<SEC-DOCUMENT>0001628280-25-006776.txt : 20250220
<SEC-HEADER>0001628280-25-006776.hdr.sgml : 20250220
<ACCEPTANCE-DATETIME>20250220163305
ACCESSION NUMBER:		0001628280-25-006776
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		164
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250220
DATE AS OF CHANGE:		20250220

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SLM Corp
		CENTRAL INDEX KEY:			0001032033
		STANDARD INDUSTRIAL CLASSIFICATION:	PERSONAL CREDIT INSTITUTIONS [6141]
		ORGANIZATION NAME:           	02 Finance
		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:		25645972

	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-20241231.htm
<DESCRIPTION>10-K
<TEXT>
<XBRL>
<?xml version='1.0' encoding='ASCII'?>
<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2025 Workiva-->
<!--r:d7bf8150-4bdd-417e-9e46-96e27e8baee9,g:88ad62bb-29b1-4f6c-af5f-5e3caa83611d,d:db53689b710946c1b3ee3e39899ac732-->
<html xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns="http://www.w3.org/1999/xhtml" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2020-02-12" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:cyd="http://xbrl.sec.gov/cyd/2024" xmlns:us-gaap="http://fasb.org/us-gaap/2024" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:dei="http://xbrl.sec.gov/dei/2024" xmlns:stpr="http://xbrl.sec.gov/stpr/2024" xmlns:exch="http://xbrl.sec.gov/exch/2024" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:srt="http://fasb.org/srt/2024" xmlns:slm="http://www.salliemae.com/20241231" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ecd="http://xbrl.sec.gov/ecd/2024" xml:lang="en-US"><head><meta http-equiv="Content-Type" content="text/html"/>


<title>slm-20241231</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="c-1" name="dei:AmendmentFlag" format="ixt:fixed-false" id="f-38">false</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="dei:DocumentFiscalYearFocus" id="f-39">2024</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="dei:DocumentFiscalPeriodFocus" id="f-40">FY</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="dei:EntityCentralIndexKey" id="f-41">0001032033</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="us-gaap:InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration" id="f-827">http://fasb.org/us-gaap/2024#DeferredIncomeTaxExpenseBenefit</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="us-gaap:InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" id="f-828">http://fasb.org/us-gaap/2024#IncomeTaxExpenseBenefit</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="us-gaap:InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration" id="f-829">http://fasb.org/us-gaap/2024#AccretionAmortizationOfDiscountsAndPremiumsInvestments</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="us-gaap:InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" id="f-830">http://fasb.org/us-gaap/2024#IncomeTaxExpenseBenefit</ix:nonNumeric><ix:nonNumeric contextRef="c-7" name="us-gaap:InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration" id="f-834">http://fasb.org/us-gaap/2024#Investments</ix:nonNumeric><ix:nonNumeric contextRef="c-131" name="slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted" id="f-897">P1M</ix:nonNumeric><ix:nonNumeric contextRef="c-133" name="slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration" id="f-908">P2Y</ix:nonNumeric><ix:nonNumeric contextRef="c-131" name="slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted" id="f-1175">P1M</ix:nonNumeric><ix:nonNumeric contextRef="c-9" name="us-gaap:ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" id="f-2010">http://www.salliemae.com/20241231#AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets</ix:nonNumeric><ix:nonNumeric contextRef="c-10" name="us-gaap:DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" id="f-2481">http://fasb.org/us-gaap/2024#GainLossOnDerivativeInstrumentsNetPretax</ix:nonNumeric><ix:nonNumeric contextRef="c-9" name="us-gaap:DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" id="f-2482">http://fasb.org/us-gaap/2024#GainLossOnDerivativeInstrumentsNetPretax</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="us-gaap:DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" id="f-2483">http://fasb.org/us-gaap/2024#GainLossOnDerivativeInstrumentsNetPretax</ix:nonNumeric><ix:nonNumeric contextRef="c-10" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" format="ixt-sec:duryear" id="f-2676">3</ix:nonNumeric><ix:nonNumeric contextRef="c-8" name="us-gaap:DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration" id="f-2695">http://fasb.org/us-gaap/2024#OtherAssets</ix:nonNumeric><ix:nonNumeric contextRef="c-7" name="us-gaap:DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration" id="f-2696">http://fasb.org/us-gaap/2024#OtherAssets</ix:nonNumeric><ix:nonNumeric contextRef="c-7" name="us-gaap:DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration" id="f-2713">http://fasb.org/us-gaap/2024#OtherLiabilities</ix:nonNumeric><ix:nonNumeric contextRef="c-8" name="us-gaap:DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration" id="f-2714">http://fasb.org/us-gaap/2024#OtherLiabilities</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList" id="f-2744">http://fasb.org/us-gaap/2024#OtherComprehensiveIncomeLossBeforeTax</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList" id="f-2781">http://fasb.org/us-gaap/2024#OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax</ix:nonNumeric><ix:nonNumeric contextRef="c-440" name="us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" id="f-2788">http://fasb.org/us-gaap/2024#InterestIncomeExpenseNet</ix:nonNumeric><ix:nonNumeric contextRef="c-442" name="us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" id="f-2791">http://fasb.org/us-gaap/2024#GainLossOnSalesOfMortgageBackedSecuritiesMBS</ix:nonNumeric><ix:nonNumeric contextRef="c-443" name="us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" id="f-2792">http://fasb.org/us-gaap/2024#GainLossOnSalesOfMortgageBackedSecuritiesMBS</ix:nonNumeric><ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt:num-dot-decimal" id="f-2889">0.05</ix:nonFraction><ix:nonFraction unitRef="number" contextRef="c-9" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt:num-dot-decimal" id="f-2890">0.05</ix:nonFraction><ix:nonNumeric contextRef="c-131" name="slm:CombinationOfSubsidiariesTaxYears" id="f-3084">P3Y</ix:nonNumeric><ix:nonNumeric contextRef="c-132" name="slm:CombinationOfSubsidiariesTaxYears" id="f-3085">P4Y</ix:nonNumeric></ix:hidden><ix:references xml:lang="en-US"><link:schemaRef xlink:type="simple" xlink:href="slm-20241231.xsd"/></ix:references><ix:resources><xbrli:unit id="usd"><xbrli:measure>iso4217:USD</xbrli:measure></xbrli:unit><xbrli:unit id="shares"><xbrli:measure>xbrli:shares</xbrli:measure></xbrli:unit><xbrli:unit id="usdPerShare"><xbrli:divide><xbrli:unitNumerator><xbrli:measure>iso4217:USD</xbrli:measure></xbrli:unitNumerator><xbrli:unitDenominator><xbrli:measure>xbrli:shares</xbrli:measure></xbrli:unitDenominator></xbrli:divide></xbrli:unit><xbrli:unit id="number"><xbrli:measure>xbrli:pure</xbrli:measure></xbrli:unit><xbrli:unit id="security"><xbrli:measure>slm:security</xbrli:measure></xbrli:unit><xbrli:unit id="payment"><xbrli:measure>slm:payment</xbrli:measure></xbrli:unit><xbrli:unit id="counterparty"><xbrli:measure>slm:counterparty</xbrli:measure></xbrli:unit><xbrli:unit id="numberofcompensationplan"><xbrli:measure>slm:numberOfCompensationPlan</xbrli:measure></xbrli:unit><xbrli:context id="c-1"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-2"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">slm:CommonStockParValue20PerShareMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-3"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">slm:FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-4"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-28</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-5"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-01-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-6"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-7"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-8"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-9"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-10"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-11"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-12"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-13"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-14"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-15"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-16"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-17"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-18"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-19"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-20"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-21"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-22"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-23"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-24"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-25"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-26"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-27"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-28"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-29"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-30"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-31"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-32"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-33"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-34"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-35"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-36"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-37"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-38"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-39"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-40"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-41"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-42"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-43"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-44"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-45"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-46"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-47"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-48"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-49"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-50"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-51"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-52"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-53"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-54"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-55"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-56"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-57"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-58"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:CollateralizedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-59"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:CollateralizedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-60"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:CollateralizedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-61"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-62"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-63"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-64"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:CreditCardMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-65"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:CreditCardsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-09-30</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-66"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:NitroCollegeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-03-04</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-67"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-07-21</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-68"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-21</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-69"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-21</xbrli:startDate><xbrli:endDate>2023-07-21</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-70"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">exch:XCME</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-71"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">slm:LondonClearingHouseMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-72"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">exch:XCME</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-73"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">slm:LondonClearingHouseMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-74"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-75"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:UtahHousingCorporationBondsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-76"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-77"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-78"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-79"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:UtahHousingCorporationBondsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-80"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-81"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-82"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-83"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">slm:UtahHousingCorporationBondsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-84"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-85"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-86"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-87"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">slm:UtahHousingCorporationBondsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-88"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-89"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-90"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2025Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-91"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2026Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-92"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2027Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-93"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2038Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-94"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2039Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-95"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2042Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-96"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2043Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-97"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2044Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-98"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2045Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-99"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2046Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-100"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2047Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-101"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2048Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-102"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2049Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-103"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2050Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-104"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2051Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-105"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2052Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-106"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2053Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-107"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2054Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-108"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2055Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-109"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2056Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-110"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2058Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-111"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-112"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2022-10-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-113"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-114"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:CreditCardsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-115"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-116"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-117"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-118"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:FixedIncomeInterestRateMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-119"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:FixedIncomeInterestRateMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-120"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:VariableIncomeInterestRateMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-121"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:VariableIncomeInterestRateMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-122"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-123"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-124"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-125"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-126"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-127"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-128"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-129"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-130"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-131"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-132"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-133"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-134"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-135"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:CA</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-136"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:CA</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-137"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NY</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-138"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NY</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-139"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:PA</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-140"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:PA</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-141"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:TX</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-142"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:TX</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-143"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NJ</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-144"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NJ</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-145"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:FL</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-146"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:FL</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-147"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-148"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-149"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-150"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-151"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-152"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-153"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-154"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-155"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-156"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-157"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-158"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-159"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:CreditCardsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-160"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-161"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-162"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:CreditCardsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-163"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:CreditCardsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-164"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:CreditCardsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-165"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-166"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-167"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-168"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-169"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-170"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-171"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-172"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-173"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-174"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-175"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-176"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-177"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-178"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-179"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-180"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-181"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-182"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-183"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-184"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-185"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-186"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-187"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-188"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-189"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-190"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-191"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-192"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">slm:FinancialAssetEqualToOrGreaterThan60DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-193"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">slm:FinancialAssetEqualToOrGreaterThan60DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-194"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">slm:LoanDefermentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-195"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">slm:LoanDefermentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-196"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-197"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-198"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-199"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-200"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-201"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-202"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-203"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-204"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:WithCosignerMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-205"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:WithoutCosignerMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-206"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:CosignerMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-207"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscorelessthan670Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-208"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore670699Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-209"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore700749Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-210"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscoregreaterthan750Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-211"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-212"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscorelessthan670Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-213"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore670699Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-214"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore700749Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-215"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscoregreaterthan750Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-216"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-217"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-218"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-219"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-220"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-221"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-222"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-223"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-224"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-225"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-226"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:WithCosignerMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-227"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:WithoutCosignerMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-228"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:CosignerMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-229"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscorelessthan670Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-230"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore670699Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-231"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore700749Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-232"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscoregreaterthan750Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-233"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-234"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscorelessthan670Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-235"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore670699Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-236"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore700749Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-237"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscoregreaterthan750Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-238"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-239"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-240"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-241"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-242"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-243"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-244"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-245"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-246"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-247"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-248"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:LoansInSchoolGraceDefermentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-249"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:LoansInForbearanceMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-250"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-251"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-252"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-253"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-254"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:LoansInSchoolGraceDefermentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-255"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:LoansInForbearanceMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-256"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-257"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-258"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-259"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-260"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:LoansInSchoolGraceDefermentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-261"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:LoansInForbearanceMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-262"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-263"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-264"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-265"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-266"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-267"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:LandAndLandImprovementsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-268"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:LandAndLandImprovementsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-269"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:BuildingAndBuildingImprovementsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-270"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:BuildingAndBuildingImprovementsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-271"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:FurnitureAndFixturesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-272"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:FurnitureAndFixturesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-273"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:SoftwareAndSoftwareDevelopmentCostsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-274"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:SoftwareAndSoftwareDevelopmentCostsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-275"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:NitroCollegeMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:TrademarksAndTradeNamesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-276"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">slm:PartnerRelationshipsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-277"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:TrademarksAndTradeNamesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-278"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:TrademarksAndTradeNamesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-279"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CustomerRelationshipsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-280"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CustomerRelationshipsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-281"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:DevelopedTechnologyRightsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-282"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:DevelopedTechnologyRightsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-283"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">slm:PartnerRelationshipsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-284"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">slm:PartnerRelationshipsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-285"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">slm:Sallie.comDomainMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-286"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">slm:Sallie.comDomainMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-287"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:NitroCollegeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-288"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-289"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:TrademarksAndTradeNamesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-290"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CustomerRelationshipsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-291"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:DevelopedTechnologyRightsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-292"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:NitroCollegeMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:TrademarksAndTradeNamesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-12-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-293"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-294"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-295"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:FixedIncomeInterestRateMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-296"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:FixedIncomeInterestRateMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-297"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:VariableIncomeInterestRateMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-298"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:VariableIncomeInterestRateMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-299"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-300"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-301"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-302"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-303"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-304"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-305"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-06-14</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-306"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-06-14</xbrli:startDate><xbrli:endDate>2024-06-14</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-307"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-308"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-309"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-310"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-311"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-312"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-313"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-314"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-315"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-316"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-317"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FixedRateBorrowingsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-318"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FixedRateBorrowingsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-319"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FixedRateBorrowingsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-320"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FixedRateBorrowingsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-321"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">slm:BrokeredDepositsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-322"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">slm:SecuredBorrowingsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-323"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueOctober292025Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2020-10-29</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-324"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueOctober292025Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-325"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueFebruaryXX2028MemberMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2025-01-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-326"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueNovember22026Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-11-01</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-327"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueNovember22026Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-11-01</xbrli:startDate><xbrli:endDate>2021-11-01</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-328"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueNovember22026Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-329"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023AMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-330"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023AMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-03-15</xbrli:startDate><xbrli:endDate>2023-03-15</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-331"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023AMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-03-01</xbrli:startDate><xbrli:endDate>2023-03-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-332"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023CMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-08-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-333"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023CMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-08-16</xbrli:startDate><xbrli:endDate>2023-08-16</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-334"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023CMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-08-01</xbrli:startDate><xbrli:endDate>2023-08-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-335"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024CMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-05-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-336"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024CMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-03-15</xbrli:startDate><xbrli:endDate>2024-03-15</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-337"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024CMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-05-01</xbrli:startDate><xbrli:endDate>2024-05-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-338"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024EMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-08-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-339"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024EMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-08-14</xbrli:startDate><xbrli:endDate>2024-08-14</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-340"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024EMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-08-01</xbrli:startDate><xbrli:endDate>2024-08-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-341"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024FMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-11-30</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-342"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024FMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-11-06</xbrli:startDate><xbrli:endDate>2024-11-06</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-343"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024FMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-11-01</xbrli:startDate><xbrli:endDate>2024-11-30</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-344"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023AMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-345"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023CMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-346"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024CMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-347"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024EMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-348"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024FMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-349"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABSTransactionsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-350"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-351"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-352"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-353"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-354"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-355"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-356"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-357"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023BMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-05-24</xbrli:startDate><xbrli:endDate>2023-05-24</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-358"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023DMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-11-07</xbrli:startDate><xbrli:endDate>2023-11-07</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-359"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024AMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-03-13</xbrli:startDate><xbrli:endDate>2024-03-13</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-360"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024R1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-09</xbrli:startDate><xbrli:endDate>2024-04-09</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-361"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024BMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-11</xbrli:startDate><xbrli:endDate>2024-04-11</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-362"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024DMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-06-28</xbrli:startDate><xbrli:endDate>2024-06-28</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-363"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-364"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-365"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-366"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-367"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-368"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-369"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-370"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-371"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-372"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-373"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-374"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-375"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-376"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-377"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-378"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-379"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DepositsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-380"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DepositsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-381"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-382"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-383"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-384"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-385"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-386"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-387"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-388"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-389"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-390"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-391"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:VariableRateAxis">slm:LondonInterbankOfferedRateLIBOR1Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-392"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:VariableRateAxis">us-gaap:SecuredOvernightFinancingRateSofrMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-393"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:VariableRateAxis">slm:ThreeMonthLIBORMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-394"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-395"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:A2020ShareRepurchaseProgramMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2020-01-22</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-396"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:A2021ShareRepurchaseProgramMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-01-27</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-397"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:A2021ShareRepurchaseProgramMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-10-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-398"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:A2021ShareRepurchaseProgramMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-10-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-399"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:A2022ShareRepurchaseProgramMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-01-26</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-400"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-01-24</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-401"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:A2022ShareRepurchaseProgramMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-402"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:Rule10b51TradingPlanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-403"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:Rule10b51TradingPlanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-404"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:Rule10b51TradingPlanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-405"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PlanNameAxis">slm:A2021OmnibusIncentivePlanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-406"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:EmployeeStockPurchasePlanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-407"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-408"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-409"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-410"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-411"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-412"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockUnitsRSUMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-413"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:PerformanceVestingStockOptionsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-414"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:RestrictedStockUnitsAndPerformanceStockUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-415"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:RestrictedStockUnitsAndPerformanceStockUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-416"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:RestrictedStockUnitsAndPerformanceStockUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-417"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:RestrictedStockUnitsAndPerformanceStockUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-418"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:RestrictedStockUnitsAndPerformanceStockUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-419"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:EmployeeStockPurchasePlanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-420"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:EmployeeStockPurchasePlanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-421"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:EmployeeStockPurchasePlanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-422"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-423"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-424"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-425"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-426"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-427"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-428"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-429"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-430"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-431"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:RetainedInterestMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-432"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-433"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:RetainedInterestMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-434"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-435"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:RetainedInterestMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-436"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-437"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:RetainedInterestMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-438"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-439"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:RetainedInterestMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-440"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:InterestIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-441"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:InterestIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-442"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:GainLossOnInvestmentsMember1</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-443"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:GainLossOnInvestmentsMember1</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-444"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-445"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputPrepaymentRateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-446"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputPrepaymentRateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-447"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputPrepaymentRateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:WeightedAverageMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-448"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputDefaultRateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-449"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputDefaultRateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-450"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputDefaultRateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:WeightedAverageMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-451"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-452"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-453"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-454"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-455"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-456"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-457"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-458"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-459"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-460"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-461"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-462"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-463"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-464"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-465"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-466"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-467"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">slm:MoneyMarketandSavingsAccountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-468"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">slm:MoneyMarketandSavingsAccountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-469"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">slm:MoneyMarketandSavingsAccountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-470"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">slm:MoneyMarketandSavingsAccountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-471"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">slm:MoneyMarketandSavingsAccountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-472"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">slm:MoneyMarketandSavingsAccountsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-473"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">us-gaap:CertificatesOfDepositMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-474"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">us-gaap:CertificatesOfDepositMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-475"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">us-gaap:CertificatesOfDepositMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-476"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">us-gaap:CertificatesOfDepositMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-477"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">us-gaap:CertificatesOfDepositMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-478"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">us-gaap:CertificatesOfDepositMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-479"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AdjustmentsForNewAccountingPronouncementsAxis">us-gaap:AccountingStandardsUpdate201613Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2020-01-01</xbrli:startDate><xbrli:endDate>2020-01-01</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-480"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AdjustmentsForNewAccountingPronouncementsAxis">us-gaap:AccountingStandardsUpdate201613Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2020-01-01</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-481"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:CumulativeEffectPeriodOfAdoptionAxis">slm:CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-482"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:CumulativeEffectPeriodOfAdoptionAxis">srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-483"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:CumulativeEffectPeriodOfAdoptionAxis">srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-484"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:CumulativeEffectPeriodOfAdoptionAxis">srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-485"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:CumulativeEffectPeriodOfAdoptionAxis">slm:CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-486"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanNameAxis">slm:SallieMae401kSavingsPlanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-487"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanNameAxis">slm:SallieMae401kSavingsPlanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-488"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanNameAxis">slm:SallieMae401kSavingsPlanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-489"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-490"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-491"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-492"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-493"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-494"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-495"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-496"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-497"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-498"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">slm:ReportableSegmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-499"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">slm:ReportableSegmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-500"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">slm:ReportableSegmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-501"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueOctober292025Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2025-02-18</xbrli:startDate><xbrli:endDate>2025-02-18</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-502"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueOctober292025Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2025-02-18</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-503"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001032033</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2025-02-06</xbrli:startDate><xbrli:endDate>2025-02-06</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div><div id="idb53689b710946c1b3ee3e39899ac732_1"></div><div style="min-height:11.25pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_4"></div><div><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:98.900%"/><td style="width:0.1%"/></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-top:1pt;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:2pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">UNITED STATES </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">SECURITIES AND EXCHANGE COMMISSION </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Washington,&#160;D.C. 20549 </span></div><div style="padding-left:222.75pt;padding-right:222.75pt;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="margin-top:3pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Form&#160;<ix:nonNumeric contextRef="c-1" name="dei:DocumentType" id="f-1">10-K</ix:nonNumeric> </span></div><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%">(Mark One) </span></div><div style="padding-left:54pt;text-indent:-33.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:DocumentAnnualReport" format="ixt:fixed-true" id="f-2">&#9745;</ix:nonNumeric>&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ANNUAL REPORT PURSUANT TO SECTION&#160;13 OR 15(d) OF THE SECURITIES EXCHANGE </span></div><div style="padding-left:54pt;text-indent:-33.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ACT OF 1934 </span></div><div style="margin-top:2pt;padding-left:56.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">For the fiscal year ended <ix:nonNumeric contextRef="c-1" name="dei:DocumentPeriodEndDate" format="ixt:date-monthname-day-year-en" id="f-4"><ix:nonNumeric contextRef="c-1" name="dei:CurrentFiscalYearEndDate" format="ixt:date-monthname-day-en" id="f-3">December&#160;31</ix:nonNumeric>, 2024</ix:nonNumeric> </span></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%">or </span></div><div style="margin-top:3pt;padding-left:54pt;text-indent:-33.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:DocumentTransitionReport" format="ixt:fixed-false" id="f-5">&#9744;</ix:nonNumeric>&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">TRANSITION REPORT PURSUANT TO SECTION&#160;13 or 15(d) OF THE SECURITIES EXCHANGE </span></div><div style="margin-top:3pt;padding-left:54pt;text-indent:-33.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ACT OF 1934 </span></div><div style="margin-top:3pt;padding-left:56.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:120%">For the transition period from &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; to</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:120%"> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </span></div><div style="margin-top:3pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Commission file number <ix:nonNumeric contextRef="c-1" name="dei:EntityFileNumber" id="f-6">001-13251</ix:nonNumeric> </span></div><div style="padding-left:222.75pt;padding-right:222.75pt;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="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:14pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:EntityRegistrantName" id="f-7">SLM Corp</ix:nonNumeric>oration </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%">(Exact Name of Registrant as Specified in Its Charter)</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 style="width:39.293%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.977%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:39.294%"/><td style="width:0.1%"/></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="c-1" name="dei:EntityIncorporationStateCountryCode" format="ixt-sec:stateprovnameen" id="f-8">Delaware</ix:nonNumeric></span></td><td colspan="6" style="padding:0 1pt"/><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="c-1" name="dei:EntityTaxIdentificationNumber" id="f-9">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 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 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="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="c-1" name="dei:EntityAddressAddressLine1" id="f-10">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="c-1" name="dei:EntityAddressCityOrTown" id="f-11">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="c-1" name="dei:EntityAddressStateOrProvince" format="ixt-sec:stateprovnameen" id="f-12">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="c-1" name="dei:EntityAddressPostalZipCode" id="f-13">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 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="c-1" name="dei:CityAreaCode" id="f-14">302</ix:nonNumeric>)&#160;<ix:nonNumeric contextRef="c-1" name="dei:LocalPhoneNumber" id="f-15">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:100.000%"><tr><td style="width:1.0%"/><td style="width:48.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.234%"/><td style="width:0.1%"/></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="c-2" name="dei:Security12bTitle" id="f-16">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="c-2" name="dei:TradingSymbol" id="f-17">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="c-2" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-18">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="c-3" name="dei:Security12bTitle" id="f-19">Floating Rate Non-Cumulative Preferred Stock, Series B, 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="c-3" name="dei:TradingSymbol" id="f-20">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="c-3" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-21">The NASDAQ Global Select Market</ix:nonNumeric></span></td></tr></table></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Securities registered pursuant to Section 12(g) of the Act: None</span></div><div style="padding-left:222.75pt;padding-right:222.75pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:2pt;font-weight:400;line-height:120%">&#160;</span></div><div style="margin-top:3pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule&#160;405 of the Securities Act.&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="c-1" name="dei:EntityWellKnownSeasonedIssuer" id="f-22">Yes</ix:nonNumeric>&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#9745;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;No</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#9744; </span></div><div style="margin-top:3pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">Indicate by check mark if the registrant is not required to file reports pursuant to Section&#160;13 or 15(d) of the Act.&#160;&#160;&#160;&#160;Yes&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#9744;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"> &#160;&#160;&#160;&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="c-1" name="dei:EntityVoluntaryFilers" id="f-23">No</ix:nonNumeric>&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#9745;</span></div><div style="margin-top:3pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant: (1)&#160;has filed all reports required to be filed by Section&#160;13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12&#160;months (or for such shorter period that the registrant was required to file such reports), and (2)&#160;has been subject to such filing requirements for the past 90&#160;days.&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="c-1" name="dei:EntityCurrentReportingStatus" id="f-24">Yes</ix:nonNumeric>&#160;&#160;&#9745;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;No&#160;&#160;&#9744;  </span></div><div style="margin-top:4.5pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule&#160;405 of Regulation&#160;S-T during the preceding 12&#160;months (or for such shorter period that the registrant was required to submit such files).</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">&#160;<ix:nonNumeric contextRef="c-1" name="dei:EntityInteractiveDataCurrent" id="f-25">Yes</ix:nonNumeric>&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#9745;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;No&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;&#9744;  </span></div><div style="margin-top:3pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company,&#8221; and &#8220;emerging growth company&#8221; in Rule&#160;12b-2 of the Exchange Act. (Check one): </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5pt;font-weight:400;line-height:120%">&#160;</span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.916%"><tr><td style="width:1.0%"/><td style="width:22.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.324%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.697%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.225%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.018%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.014%"/><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:7.5pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityFilerCategory" format="ixt-sec:entityfilercategoryen" id="f-26">Large accelerated filer</ix:nonNumeric></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:9pt;font-weight:400;line-height:100%">&#9745;</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:7.5pt;font-weight:400;line-height:100%">&#160;</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:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="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%">Accelerated&#160;filer</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:9pt;font-weight:400;line-height:100%">&#9744;</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:7.5pt;font-weight:400;line-height:100%">Non-accelerated&#160;filer</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-top:3pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#9744;</span></div></td><td colspan="6" style="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%">(Do&#160;not&#160;check&#160;if a&#160;smaller&#160;reporting&#160;company)</span></td><td colspan="3" style="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%">Smaller&#160;reporting&#160;company</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:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntitySmallBusiness" format="ixt:fixed-false" id="f-27">&#9744;</ix:nonNumeric></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:7.5pt;font-weight:400;line-height:100%">Emerging growth company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-top:3pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityEmergingGrowthCompany" format="ixt:fixed-false" id="f-28">&#9744;</ix:nonNumeric></span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="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="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="padding:2px 1pt;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-top:3pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#160;&#9744;</span></div><div style="margin-top:3pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant has filed a report on and attestation to its management&#8217;s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">. <ix:nonNumeric contextRef="c-1" name="dei:IcfrAuditorAttestationFlag" format="ixt:fixed-true" id="f-29">&#9745;</ix:nonNumeric>&#160;</span></div><div style="margin-top:3pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements.&#160;<ix:nonNumeric contextRef="c-1" name="dei:DocumentFinStmtErrorCorrectionFlag" format="ixt:fixed-false" id="f-30">&#9744;</ix:nonNumeric></span></div><div style="margin-top:3pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant's executive officers during the relevant recovery period pursuant to &#167;240.10D-1(b). &#9744;</span></div><div style="margin-top:3pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant is a shell company (as defined in Rule&#160;12b-2 of the Exchange Act).&#160;&#160;&#160;&#160;Yes&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#9744; &#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;No&#160;&#160;<ix:nonNumeric contextRef="c-1" name="dei:EntityShellCompany" format="ixt:fixed-false" id="f-31">&#9745;</ix:nonNumeric> </span></div><div style="margin-top:4.5pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">The aggregate market value of voting common stock held by non-affiliates of the Registrant as of June 28, 2024 was $<ix:nonFraction unitRef="usd" contextRef="c-4" decimals="-8" name="dei:EntityPublicFloat" scale="9" id="f-32">4.5</ix:nonFraction> billion (based on closing sale price of $20.79 per share as reported for the NASDAQ Global Select Market).</span></div><div style="margin-top:4.5pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%">As of January&#160;31, 2025, there were <ix:nonFraction unitRef="shares" contextRef="c-5" decimals="INF" name="dei:EntityCommonStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-33">210,423,462</ix:nonFraction> shares of common stock outstanding. </span></div><div style="padding-left:222.75pt;padding-right:222.75pt;text-align:center"><span><br/></span></div><div style="margin-top:3pt;text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:120%">DOCUMENTS INCORPORATED BY REFERENCE </span></div><div style="margin-top:3pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:DocumentsIncorporatedByReferenceTextBlock" id="f-34" escape="true">Portions of the definitive proxy statement on Schedule 14A relating to the Registrant&#8217;s 2025 Annual Meeting of Stockholders are incorporated by reference into Parts II and III of this Annual Report on Form 10-K.</ix:nonNumeric>    </span></div><div style="margin-top:3pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Auditor Name:&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="c-1" name="dei:AuditorName" id="f-35">KPMG LLP</ix:nonNumeric>&#160;&#160;&#160;&#160;      Auditor Location:&#160;&#160;&#160;&#160;                <ix:nonNumeric contextRef="c-1" name="dei:AuditorLocation" id="f-36">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="c-1" name="dei:AuditorFirmId" id="f-37">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:95.000%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"/></tr></table></div><div style="height:24.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_10"></div><hr style="page-break-after:always"/><div style="min-height:54pt;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:#000000;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:#000000;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 style="width:9.120%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:80.032%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.548%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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 colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><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="#idb53689b710946c1b3ee3e39899ac732_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="#idb53689b710946c1b3ee3e39899ac732_13">1</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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="#idb53689b710946c1b3ee3e39899ac732_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: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="#idb53689b710946c1b3ee3e39899ac732_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:#000000;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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="#idb53689b710946c1b3ee3e39899ac732_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="#idb53689b710946c1b3ee3e39899ac732_19">5</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="#idb53689b710946c1b3ee3e39899ac732_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="#idb53689b710946c1b3ee3e39899ac732_22">21</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="#idb53689b710946c1b3ee3e39899ac732_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="#idb53689b710946c1b3ee3e39899ac732_25">39</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 1C.</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="#idb53689b710946c1b3ee3e39899ac732_28">Cybersecurity</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="#idb53689b710946c1b3ee3e39899ac732_28">40</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="#idb53689b710946c1b3ee3e39899ac732_31">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="#idb53689b710946c1b3ee3e39899ac732_31">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="#idb53689b710946c1b3ee3e39899ac732_34">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="#idb53689b710946c1b3ee3e39899ac732_34">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="#idb53689b710946c1b3ee3e39899ac732_37">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="#idb53689b710946c1b3ee3e39899ac732_37">42</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:#000000;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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="#idb53689b710946c1b3ee3e39899ac732_40">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="#idb53689b710946c1b3ee3e39899ac732_40">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 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="#idb53689b710946c1b3ee3e39899ac732_43">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="#idb53689b710946c1b3ee3e39899ac732_43">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 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="#idb53689b710946c1b3ee3e39899ac732_46">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="#idb53689b710946c1b3ee3e39899ac732_46">45</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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="#idb53689b710946c1b3ee3e39899ac732_52">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="#idb53689b710946c1b3ee3e39899ac732_52">45</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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="#idb53689b710946c1b3ee3e39899ac732_58">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="#idb53689b710946c1b3ee3e39899ac732_58">48</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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="#idb53689b710946c1b3ee3e39899ac732_61">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="#idb53689b710946c1b3ee3e39899ac732_61">52</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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="#idb53689b710946c1b3ee3e39899ac732_64">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="#idb53689b710946c1b3ee3e39899ac732_64">69</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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="#idb53689b710946c1b3ee3e39899ac732_67">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="#idb53689b710946c1b3ee3e39899ac732_67">77</a></span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><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">Risk Management</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="#idb53689b710946c1b3ee3e39899ac732_2174">82</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="#idb53689b710946c1b3ee3e39899ac732_73">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="#idb53689b710946c1b3ee3e39899ac732_73">86</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="#idb53689b710946c1b3ee3e39899ac732_76">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="#idb53689b710946c1b3ee3e39899ac732_76">89</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="#idb53689b710946c1b3ee3e39899ac732_76">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="#idb53689b710946c1b3ee3e39899ac732_76">89</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="#idb53689b710946c1b3ee3e39899ac732_76">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="#idb53689b710946c1b3ee3e39899ac732_76">89</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="#idb53689b710946c1b3ee3e39899ac732_79">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="#idb53689b710946c1b3ee3e39899ac732_79">89</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:#000000;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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="#idb53689b710946c1b3ee3e39899ac732_82">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="#idb53689b710946c1b3ee3e39899ac732_82">90</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="#idb53689b710946c1b3ee3e39899ac732_82">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="#idb53689b710946c1b3ee3e39899ac732_82">90</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="#idb53689b710946c1b3ee3e39899ac732_82">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="#idb53689b710946c1b3ee3e39899ac732_82">90</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="#idb53689b710946c1b3ee3e39899ac732_82">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="#idb53689b710946c1b3ee3e39899ac732_82">90</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="#idb53689b710946c1b3ee3e39899ac732_82">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="#idb53689b710946c1b3ee3e39899ac732_82">90</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:#000000;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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></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="#idb53689b710946c1b3ee3e39899ac732_85">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="#idb53689b710946c1b3ee3e39899ac732_85">91</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 style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_13"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div></div><div><span style="color:#000000;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 style="margin-top:5pt;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This Annual Report on Form 10-K contains &#8220;forward-looking statements&#8221; 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 the Company&#8217;s beliefs, opinions, or expectations and statements that assume or are dependent upon future events, are forward-looking statements.  These include, but are not limited to: strategies; goals and assumptions of the Company; the Company&#8217;s expectation and ability to execute loan sales and share repurchases; the Company&#8217;s expectation and ability to pay a quarterly cash dividend on our common stock in the future, subject to the approval of our Board of Directors; the Company&#8217;s 2025 guidance; the Company&#8217;s three-year horizon outlook; the impact of acquisitions the Company has made or may make in the future; 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. </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%">Forward-looking statements are subject to risks, uncertainties, assumptions, and other factors, many of which are difficult to predict and generally beyond the control of the Company, which may cause actual results to be materially different from those reflected in such forward-looking statements. There can be no assurance that future developments affecting the Company will be the same as those anticipated by management.  The Company cautions readers that a number of important factors could cause actual results to differ materially from those expressed in, or implied or projected by, 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;); 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 or regulations; changes in laws, regulations, and supervisory expectations, especially in light of the goals of the new Trump administration; our ability to timely develop new products and services and the acceptance of those products and services by potential and existing customers; 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 the Company is a party; credit risk associated with the Company&#8217;s  exposure to third parties, including counterparties to the Company&#8217;s derivative transactions; the effectiveness of our risk management framework and quantitative models; 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; tariffs; the societal, business, and legislative/regulatory impact of pandemics, other public heath crises, and/or natural disasters; 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, or any change related thereto; 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 prepayments on the loans owned by us; 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 management to make certain estimates and assumptions, including estimates and assumptions about future events. These estimates or assumptions may prove to be incorrect. </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">2</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></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%">All forward-looking statements contained in this Annual Report on Form 10-K are expressly qualified in their entirety by the factors, risks, and uncertainties set forth in the foregoing cautionary statements, and are made only as of the date of this report. We do not undertake any obligation to update or revise any forward-looking statements to conform to actual results or changes in our expectations, nor to reflect events or circumstances that occur after the date on which such statements were made.  In light of these risks, uncertainties, and assumptions, you should not put undue reliance on any forward-looking statements discussed.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     3</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_16"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></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%">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:54pt;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%">2024 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%">4</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_19"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div></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-weight:700;line-height:120%">PART I.</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: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. As an education solutions company, our mission is to power confidence as students begin their unique journeys. We support students and families navigating to, through, and immediately after higher education. We simplify the college planning process and advance higher education access and completion by providing free tools, resources, scholarships, 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 66 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 50 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, consolidation loan, and business processing businesses. 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 executed in connection with the Spin-Off (the &#8220;Separation and Distribution Agreement&#8221;). 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%">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-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"><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%"> &#8220;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Education pays, 2023,&#8221; </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Career Outlook</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">, U.S. Bureau of Labor Statistics, August 2024.</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. The information contained on, or accessible through, the foregoing website does not constitute a part of, and is not incorporated by reference in, this Annual Report on Form 10-K.</span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     5</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><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. 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. We also strive to maintain a rigorous and predictable capital allocation and return program to create shareholder value. We are focused on driving a mission-led culture that continues to make Sallie Mae a great place to work. We also continue to strengthen our risk and compliance functions, enhance and build upon our risk management framework, and assess and monitor enterprise-wide risk. </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;). We serve more families than any other private student loan lender. We originated approximately $7.0 billion of Private Education Loans in 2024, an increase of 10 percent from the year ended December&#160;31, 2023. As of December&#160;31, 2024, we had $20.9 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%">Our Private Education Loans serve primarily to bridge the gap between the cost of higher education and the amount funded through family income and savings, scholarships and grants, and federal financial aid. 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%">Private student lending is cyclical in nature.  We typically experience peak volume of originations and commitments in the third quarter of our fiscal year, corresponding to the required timing of disbursements prior to the start of the fall semester at most higher education institutions.  There is generally also a &#8220;mini-peak&#8221; in volume of originations and commitments in the first quarter of our fiscal year, corresponding to the required timing of disbursements prior to the start of the spring semester at most higher education 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 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 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 more than half of the Private Education Loans the Bank originated during 2024. 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, and 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 reduce 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 Graduate School Loan for Health Professions, 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 longer grace periods for medical students. We also offer two non-cost of attendance loans to support bar study preparation, as well as residency and relocation expenses for medical and dental school 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. 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, 2024, our average FICO scores (representing the higher credit scores of the cosigners or borrowers) at the time of original approval were 752, and approximately 90 percent 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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">6</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><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">those loans were cosigned. In addition, for all loans other than Bar Study loans and Residency and Relocation loans, 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 more than 2,000 higher education institutions are actively managed 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="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, 2024, 3.7 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             2.5 percent&#160;of&#160; loans in repayment and forbearance. In 2024, Private Education Loan net charge-offs as a percentage of average loans in repayment were 2.19 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;), and originates Private Education Loans. At December&#160;31, 2024, the Bank had total assets of $30.0 billion, including $20.9 billion of Private Education Loans (held for investment), net, and total deposits of $21.5 billion. Previously, the Bank also owned a portfolio of loans insured or guaranteed under the previously existing Federal Family Education Loan Program (&#8220;FFELP Loans&#8221;). In the fourth quarter of 2024, the Bank sold its remaining portfolio of FFELP Loans to an unaffiliated third party. As of December 31, 2024, the Bank held no FFELP 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 ability to obtain deposit funding and offer competitive interest rates on deposits will be necessary to sustain our Private Education Loan originations and achieve other business goals. 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. During 2024, we maintained our diversified funding base by raising $2.2 billion&#160;in term funding collateralized by pools of Private Education Loans in the long-term asset-backed securities (&#8220;ABS&#8221;) market. This brought our total ABS funding outstanding at December&#160;31, 2024 to $5.4 billion, or 26 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 Item 1. &#8220;Business &#8212; Supervision and Regulation &#8212; Regulation of Sallie Mae Bank&#8221; for additional details about the Bank.</span></div><div style="margin-top:9pt;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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     7</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><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 responsible lending and encourages responsible borrowing by advising students and families to follow this three-step approach to paying for higher education:</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 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.</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 available resources and any remaining costs of higher 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%">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 (except for Bar Study loans and Residency and Relocation loans). To help applicants understand their loan and its terms, we provide multiple, customized disclosures explaining the applicant&#8217;s interest rate, whether the interest rate is fixed or variable, and the loan&#8217;s total cost under the available repayment options. Our Private Education Loans generally feature (i) no origination fees and no prepayment penalties, (ii) an interest rate reduction 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, (v) a choice of either a variable or fixed interest rate, and (vi) loan forgiveness in the case of death or permanent disability of the student borrower. </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%">Approximately 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%">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 how the accrued interest on alternative repayment programs could affect the cost of customers&#8217; 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%">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 (&#8220;GRP&#8221;) to assist borrowers with additional payment flexibility, allowing eligible 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 GRP. Generally, the 12-month interest-only payments under GRP begin upon expiration of a borrower&#8217;s grace period or election of 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%">After graduation, a student borrower 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 demonstrates an ability to assume sole responsibility for repayment of the loan. 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="margin-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 collection teams 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 potential alternative arrangements designed to reduce monthly payment </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">8</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><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">obligations. These can include extended grace periods, short-term hardship forbearances, temporary interest rate reductions, and, in some cases, permanent interest rate reductions. We offer rate and term modifications to customers experiencing more severe hardship. These arrangements are intended to address the customer&#8217;s individual circumstances and ability to make payments. When we grant forbearance or modify a loan, we counsel customers on the effect the forbearance or modification will have on their loan balance. See 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 Modifications as a Private Education Loan Collection Tool&#8221; for additional information about our credit administration practices. </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 with dedicated representatives assisting customers with various needs. 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 with customer-centric capabilities that allows self-service and empowers our servicing and collections agents, thus streamlining our processes and providing efficiencies;</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 online chat function for application support and customer service related inquiries;</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</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">expansion of customer surveys to gain feedback on areas for improvement within our originations, servicing, and collections functions.</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:115%">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 our total loan portfolio, approximately 96 percent of loans in repayment are in good standing, and, on average, fewer than 3 percent of loans default annually.</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 2022, we acquired the assets of Epic Research Education Services, LLC, which did business as Nitro College (&#8220;Nitro&#8221;). Nitro provided resources that helped students and families evaluate how to responsibly pay for college and manage their financial responsibilities after graduation. </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 acquisition of Nitro enhanced future strategic growth opportunities and expanded our digital marketing capabilities, reduced the cost to acquire customer accounts, and accelerated our progress to become a broader education solutions provider helping students to, through, and immediately after higher education. In 2024, we completed the transition of the related Nitro branding to the Sallie and Sallie Mae brands and platforms. </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 2023, we completed the acquisition of several key assets of Scholly, Inc. (&#8220;Scholly&#8221;), which was engaged in the business of operating as a scholarship publishing and servicing platform, comprised of websites and mobile application search products that offered custom recommendations for post-secondary scholarships for students, their families, and others as well as related services for scholarship providers. The addition of Scholly assets supports our mission of providing students with the confidence needed to successfully navigate the higher education journey. </span></div><div style="margin-top:9pt"><span><br/></span></div><div style="margin-top:9pt"><span><br/></span></div><div style="margin-top: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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     9</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><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 lower cost of two-year programs, federal grant and loan programs are typically sufficient for the funding needs of these students. Approximately 18&#160;percent or $1.31 billion of our 2024 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 Citizens Financial Group, Inc. and PNC Bank, as well as a number of specialty finance companies such as Sofi Technologies, Inc. and College Ave, 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="margin-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-20241231_g1.jpg" alt="21830" 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, the enrollment in four-year degree granting institutions is projected to remain relatively flat through 2031.</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><span><br/></span></div><div><span><br/></span></div><div><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: Enterval Analytics LLC 2024 Q3 Private Student Loan Report, November 2024. </span></div><div style="padding-left:9pt;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">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, Enrollment in Degree-Granting Institutions Projection Model, through 2031. These are the most recent sources available to us for this information. 2022/2023 is an estimate. </span></div><div style="padding-left:9pt;text-indent:-4.5pt"><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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">10</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><div style="margin-top:9pt;padding-left:4.5pt"><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 2.4 percent and 3.9 percent, respectively, from AYs 2020-2021 through 2024-2025. Average published tuition and fees at public and private four-year not-for-profit institutions grew 2.9 percent and 4.5 percent, respectively, between AYs 2022-2023 and 2023-2024 and 2.7 percent and 3.9 percent, respectively, between AYs 2023-2024 and 2024-2025.</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%"> </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-20241231_g2.jpg" alt="22946" 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></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 2024. &#169; 2024 The College Board. The College Board restates its data annually, which may cause previously reported results to vary.</span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     11</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><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 style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Private Education Loan originations were an estimated $11.5&#160;billion in AY 2023-2024, an increase of $0.5&#160;billion from AY 2022-2023.</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:18pt;padding-right:18pt;text-align:center"><img src="slm-20241231_g3.jpg" alt="Federal &amp; Private Student Loan Volume.jpg" style="height:312px;margin-bottom:5pt;vertical-align:text-bottom;width:636px"/></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:36pt"><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;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;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:112%"> Source: The College Board-Trends in Student Aid 2024&#169; The College Board. Enterval LLC. Funding sources in current dollars and include federal and private student loan data. 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:54pt;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%">2024 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%">12</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><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 $506 billion in AY 2023-2024, up from $465 billion in AY 2019-2020. Private Education Loan originations decreased $1 billion from the year-ago period to an estimated $13&#160;billion in AY 2023-2024, and represent just 2.6 percent of total spending on higher 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">5</span></div><div style="margin-bottom:5pt;margin-top:5pt;padding-left:18pt;padding-right:18pt;text-align:center;text-indent:24.75pt"><img src="slm-20241231_g4.jpg" alt="Education Funding Sources.jpg" style="height:325px;margin-bottom:5pt;vertical-align:text-bottom;width:603px"/></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: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">Over the AYs 2019-2024 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="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 style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:2pt"><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">5</span><span style="color:#000000;font-family:'Arial',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, Digest of Education Statistics to 2031 (NCES 2024, January 2024), The Integrated Postsecondary Education Data System (IPEDS), College Board -Trends in College Pricing and Student Aid 2024. &#169; 2024 The College Board and Company analysis. 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="margin-bottom:5pt;margin-top: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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     13</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><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 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%">Overview</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, 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 lenders and servicers. Some states have enacted legislation creating specialized offices within state government to oversee the student loan origination and servicing industry operating within those states, as well as to set minimum standards governing the practices of student loan lenders and 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 origination and 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:9pt;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 our products and services, including our origination, servicing, first-party collection, deposit taking, and education solutions 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 lenders and 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 Servicemembers Civil Relief Act, 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 Board of Governors of the Federal Reserve System, 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="height:54pt;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%">2024 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%">14</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><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="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 and California Privacy Rights Act, which govern 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: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 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. Under the Biden Administration, the CFPB  was 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 enforcement and regulatory posture of the CFPB under the Trump Administration is unclear. 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. The CFPB and the U.S. Department of Education 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: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 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><br/></span></div><div style="margin-top:6pt;padding-left:11.25pt"><span><br/></span></div><div style="margin-top:6pt;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><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     15</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><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 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;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 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 Company relies on dividends from the Bank, as necessary, to enable the Company to pay any declared dividends and other payments and consummate share repurchases, as described herein. </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%">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 Company&#8217;s share repurchase programs. The Bank declared $570&#160;million, $550 million, and $700 million in dividends for the years ended December 31, 2024, 2023, and 2022, respectively, with the proceeds primarily used to fund share repurchase programs and stock dividends. </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 has authorized share repurchase programs during prior years, the most recent of which occurred in January 2024 (for a program of up to $650&#160;million of common stock). Under the share repurchase programs, purchases take place as and when we determine in open market or private transactions made based upon the market price of our common stock, the nature of other investment opportunities or growth projects, our cash flows from operations, and general economic conditions. The share repurchase programs do not require us to acquire any specific number of shares, and may be modified, suspended, extended, or terminated by us at any </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">16</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><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">time. We repurchased 11.6 million and 22.3 million shares during the years ended December 31, 2024 and 2023, respectively. As of December 31, 2024, we had $402 million of capacity remaining under the 2024 Share Repurchase Program (as hereinafter defined). See Notes to the Consolidated Financial Statements, Note 12, &#8220;Stockholders&#8217; Equity&#8221; in this Form 10-K for additional information.</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 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.</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%">For more information on how the Bank manages its capital position, see Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8211; Regulatory Capital &#8211; Capital Management.&#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%">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 Bank is not currently subject to stress testing requirements under the Dodd-Frank Act. 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="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 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="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     17</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><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: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 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, consistent with the safe and sound operation of the institution. 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%">Data Privacy and Data Security 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%">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 unaffiliated 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 information with unaffiliated third parties, with some exceptions. Financial institutions generally may not disclose certain consumer or account information to any unaffiliated 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 adopted regulations for maintaining the security and confidentiality of consumer information, and the Bank is subject to such regulations, as well as certain federal and state laws or regulations 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 regulations enacted or adopted to protect business and personal information. These laws and regulations impose additional obligations on companies regarding the handling of personal information and provide certain individual privacy rights to persons whose personal information is stored and shared. Any failure to comply with these laws and regulations could subject us to legal and reputational risk. For example, we are subject the rules and regulations promulgated under the authority of the Federal Trade Commission, which regulates unfair or deceptive acts or practices (including with respect to data privacy and data security). At the state level, California passed the California Consumer Privacy Act (the &#8220;CCPA&#8221;), which became effective on January 1, 2020, and the California Privacy Rights Act (the &#8220;CPRA&#8221;), which expands upon the CCPA and brought additional compliance obligations with respect to certain processing of personal information of California residents once it came into effect in most material respects on January 1, 2023. The CCPA and CCRA apply to for-profit businesses that conduct business in California and meet certain revenue or data collection thresholds. The CCPA and CCRA contain 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 California statutes to apply to certain data beyond the scope of the GLBA exemption. Additionally, numerous other states have enacted or are in the process of enacting state-level data privacy and data security laws and regulations relating to the collection, storage, handling, use, disclosure, transfer, security, and other processing of personal information.</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%">Misuse of or failure to secure certain personal information could result in violation of data privacy or data security 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 or data security law is enacted, or if regulators whose authority we are subject to adopt additional or amend existing data privacy or data security regulations, 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 or regulations.</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%">State Regulation of Student Loan Lenders and 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 lenders and servicers may apply to and impact the origination and 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, access to borrower account records, the processing of disability applications and borrower requests to remove cosigners from loans, and debt collection, among 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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">18</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><div style="margin-top:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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 certain 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, 2024, $850 million notional of our derivative contracts were cleared on the CME and $71 million were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent 92.3 percent and 7.7 percent, respectively, of our total notional derivative contracts of $921 million at December 31, 2024. Our exposure on these derivative contracts 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. For any securitizations that are treated as off-balance sheet, including any loan sale transactions structured as securitizations, 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; for future off-balance securitizations, we may also comply with the Dodd-Frank risk retention rules by retaining (for a requisite period) 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="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">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 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 and territories that are the subject of comprehensive territorial sanctions designated by the U.S. Department of the Treasury&#8217;s Office of Foreign Assets Control (&#8220;OFAC&#8221;) or with persons that are the subject of sanctions administered by OFAC or other agencies. We maintain policies and procedures designed to ensure compliance with relevant U.S. laws and regulations applicable to U.S. persons, including the Bank Secrecy Act, as amended, and its implementing regulations and U.S. economic sanctions.</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%">Volcker Rule</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 &#8220;Volcker Rule&#8221; provisions of the Dodd-Frank Act are implemented by rules issued by the U.S. banking agencies, the SEC, and the U.S. Commodity Futures Trading Commission that 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.  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 </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     19</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><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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 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%">As of December 31, 2024, we had approximately 1,710 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%">We strive to create a culture of belonging &#8212; an environment that encourages and reinforces mutual trust, makes it safe to express thoughts, ideas and concerns, and connects and embraces all backgrounds and perspectives to power and fuel our mission. We are focused on providing a total compensation package that enables us to attract, motivate, and retain the best possible talent to help drive our business forward. We believe in paying competitive market wages, and 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. </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 made significant investments in learning and talent development, and 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 2024, our team members donated approximately 4,700 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:54pt;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%">2024 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%">20</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><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_22"></div><div><span style="color:#000000;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 securities. </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 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">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 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 allowance for credit losses may not be adequate to cover actual losses in all possible scenarios, 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: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">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. </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 repayment and prepayment risks, which can increase uncertainty and 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 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 trailing effects of the discontinuance of LIBOR could adversely affect our business and financial results.</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 sell loans at attractive prices to help fund share repurchase programs and other activities. An inability to effectively manage our liquidity 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">Adverse developments, and/or a continuation of recent turmoil, in the financial services industry could adversely affect our financial condition and 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">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 us.</span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     21</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><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 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">Changes in accounting standards, or incorrect estimates and assumptions by management in connection with the preparation of our consolidated financial statements, could 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">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 in all possible scenarios and, if the framework is ineffective, 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">Proposals of federal and state governments, or of various political officials or candidates, affecting the student loan industry in particular, 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 and other risks, which could damage our brand and 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">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 us and 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 may face risks from our operations related to litigation or regulatory or supervisory 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, as well as other internal 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">New lines of business and our ability to successfully make acquisitions are 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">We may have exposure to risks related to the Spin-Off, indemnification claims, and/or Navient&#8217;s 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 stockholders.</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:54pt;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%">2024 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%">22</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><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:9pt;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 securities.     </span></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">CONCENTRATION RISK</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%">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, 2024, approximately 74 percent of our total assets, and 88 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, significant adverse legislative or regulatory change, or other negative event or trend in the Private Education Loan market, the overall education loan market, or the overall economic environment, including an inflationary and rising or high interest rate environment or a recession in the U.S., could disproportionately and adversely affect our business, financial condition, and results of operations.  We face competition in the Private Education Loan market from a variety of players. We compete with banks and other consumer lending institutions, many of whom have strong consumer brand name recognition, greater financial resources, and greater diversification in their mix of assets, which can enable them to be more competitive in their products and offerings, particularly in uncertain or challenging economic times. We also compete with financial technology (&#8220;FinTech&#8221;) companies and digital asset service providers, many of whom have lower return hurdles than more traditional consumer lending institutions. The emergence, adoption, and evolution of new technologies and advances in robotic process automation and artificial intelligence could significantly affect the competition for financial services. The use of marketplace lending sites is also growing in popularity in the student loan sector.  These market channels may erode our more traditional lending channels and increase our cost to originate Private Education Loans.  Moreover, we expect that our competition will increase as various lending institutions and other competitors enter or re-enter the Private Education Loan market. 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 and/or our existing loans could be subject to consolidation or refinancing risk.</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 to competition from private industry players, the federal government, through the Federal Direct Student Loan Program and other higher education lending programs, 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, such as the Parent Plus and Graduate Plus programs, without any aggregate limits other than the difference between the cost of education and the amount of other financial aid received by a student. 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 borrowers of student loans in general, could provide a legislative vehicle for changes to student loan programs.  Possible components that could impact the Private Education Loan market and our business include changes to federal education loan limits and/or payment requirements, or private loan refinancing programs.  Other components of any legislation also could have a negative impact on our business and financial condition. See &#8220;&#8212; POLITICAL/REPUTATIONAL RISK&#8221; in this Item 1A.</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 face substantial competition for our online deposit products. We expect to compete based primarily on a combination of reputation, rate, and availability of information about our deposit products. Our competitors, many of whom have greater financial resources or lower costs than we do, may be more effective in attracting new deposits and retaining existing deposits such as by offering more competitive rates, dedicating more resources for advertising, or engaging in more effective forms of marketing. For instance, our new depositor acquisition marketing is partly dependent on search engines, as well as bank deposit information aggregators, to direct a significant </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     23</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><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">amount of traffic to our website via organic ranking and paid search advertising. Our bank competitors&#8217; paid search activities, such as pay per click marketing, may result in their sites receiving higher search results than ours, thus leading to significant increases in the cost of such depositor acquisition for us. In addition, changes to search engines and deposit information aggregators&#8217; methodologies and business practices could result in a decline in our new deposit growth or existing customer retention. 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;&#8212;LIQUIDITY RISK&#8221; in this Item 1A.</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; 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="margin-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 (which can occur, among other times, during periods of strong employment in the United States and/or when fewer employers require college degrees for their employees);</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">macroeconomic factors (including, without limitation, high unemployment) cause loan applicants or borrowers to be unable to meet our credit standards or repay credit obligations;</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;&#8212;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: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 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 FinTech 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. Increases in consolidation loans may result from competition, as there has been, and there may be continue to be, an increase in the number of lenders offering consolidation or refinancing products.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">24</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><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 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%">We bear the full credit exposure on our Private Education Loans, which are unsecured loans. If those loans were to default at rates much higher than anticipated or at speeds faster than anticipated, our business, financial condition, 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 portfolio. Many factors can have an impact on borrower delinquencies, including, without limitation, economic conditions (including inflationary, rising or high interest rate, and recessionary environments), 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, legislative, regulatory and operational changes, servicing and collections staffing challenges, other operational challenges we may encounter, the cessation by the federal government of any payment suspension programs it may implement from time to time for borrowers of federal student loans (including the suspension program initiated during the COVID-19 pandemic), the invalidation or failure of efforts to forgive or lessen the burden of federal student loan indebtedness for certain borrowers, and unforeseen events or trends. </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%">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 portfolio, as such factors may cause borrowers and cosigners to experience trouble repaying credit obligations or meeting our credit standards. The impact of these factors may be heightened in rising or high interest rate environments when interest rates rise causing payments on variable-rate loans to increase. See 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 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, or is inaccurate, and is not detected by us before completing the transaction, or changes after we collect the information, we may experience increased credit risk. Higher credit-related losses and weaker credit quality negatively affect our business, financial condition, and results of operations and limit funding options, which could also adversely impact our liquidity position. Our Private Education Loan (held for investment) delinquencies (loans greater than 30 days past due), as a percentage of Private Education Loans (held for investment) in repayment, were 3.68% at December 31, 2024.</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 in all possible scenarios, 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: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 measure our allowance for credit losses based on our estimate of all current expected credit losses over the remaining contractual term of our assets. The current expected credit loss (&#8220;CECL&#8221;) standard resulted in a significant change in how we recognize credit losses and has had 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. 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 immediately revert our forecasted economic factors to long-term historical loss conditions. Defaults can be higher than anticipated due to a variety of factors, 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 </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     25</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><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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 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: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 the creditworthiness of third parties, including various lending, securitization, 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, or the ability of our counterparties to perform their obligations becomes impaired or less certain, the obligations of our counterparties to us or our investments in any counterparties or their securities could become impaired, which 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 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, conditions in the capital markets, 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 borrowings, 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. Many of these adverse impacts can occur in an inflationary and/or rising interest rate environment. These adverse impacts 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. 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.</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 portfolio. Interest earned on our Private Education 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 fixed and variable rates, and the average term is typically shorter than the expected term of our loan 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-weight:400;line-height:120%">The different interest rate and maturity characteristics of our loan portfolio and the liabilities funding the 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="height:54pt;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%">2024 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%">26</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><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 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%">We are 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 or the forgiveness for certain borrowers of federal student loan indebtedness, 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 Private Education Loan portfolio remains subject to prepayment risk that could cause it 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. See also &#8220;&#8212; CREDIT RISK &#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; in this Item 1A.</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 trailing effects of the discontinuance of LIBOR could adversely affect our business and financial results.</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 2017, the Alternative Reference Rates Committee, a group of market participants that includes both banks and a number of non-banks, identified the Secured Overnight Financing Rate (&#8220;SOFR&#8221;), which is a rate based on overnight U.S. Treasury repurchase agreement transactions, as its recommended alternative to USD LIBOR (which was being phased out by regulatory authorities). </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%">Between 2020 and 2023, we transitioned our assets, liabilities, and off-balance sheet items to SOFR (plus the applicable spread adjustment). In some instances, we relied on safe harbors provided by federal legislation to transition obligations from LIBOR to SOFR because the obligations did not have fallback provisions for alternative reference rates.</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%">Although we relied on those safe harbors in certain instances, the safe harbors were untested. We could still be exposed to risks associated with disputes and litigation with customers, counterparties, and other market participants in connection with implementing replacement rates for LIBOR.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">  </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">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 sell loans at attractive prices to help fund share repurchase programs and other activities. 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 originations, deposit withdrawals and maturities, payment of any declared dividends on our preferred stock and common stock, payment of our debt service, and payment for any shares of common stock or preferred stock acquired under any stock repurchase program or otherwise. Our primary sources of liquidity and funding are customer deposits, </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     27</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><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">payments received on Private Education 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, and with proceeds received from loan sales. 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.  At December 31, 2024, our brokered deposits totaled $9.5 billion, which represented 45 percent of our total deposits. Brokered deposits may be more price sensitive than other types of deposits and may become less available if alternative investments offer higher returns. In addition, our ability to maintain existing balances of all deposit types or obtain additional deposits of any type 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, general economic conditions, including high unemployment and decreased savings rates, and adverse developments in the financial services industry generally. See also &#8220;&#8212;LIQUIDITY RISK &#8212; Adverse developments, and/or a continuation of recent turmoil, in the financial services industry could adversely affect our financial condition and results of operations&#8221; in this Item 1A. 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 (which could occur as a result of, among other things, general economic conditions, a government debt default, or a government shutdown) 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, or to the credit ratings of our subsidiaries or to the securities issued in our securitization transactions, 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 competitive purchasers, and there can be no guarantee that we will be able to effectuate planned or unplanned 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 desire, we may not be able to fund share repurchase programs that are authorized from time to time, originate Private Education Loans in the volumes we desire, meet other obligations, or achieve other business goals.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">28</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><div style="margin-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 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:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We 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 our regulators to demand, that higher levels of capital be maintained at significant incremental expense to the Bank.</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 subject to claims 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. If any of 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:4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Adverse developments, and/or a continuation of recent turmoil, in the financial services industry could adversely affect our 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-weight:400;line-height:120%">In the past couple of years, several financial services institutions failed or required outside liquidity support. The impact of these failures led to risk of additional stress to the financial services industry generally as a result of increased lack of confidence in the financial sector. Significant, unanticipated deposit withdrawals due to market distress or otherwise or our inability to access other sources of liquidity, whether due to capital markets dislocations or otherwise, could result in constraints on our liquidity and adversely affect our business, 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-weight:400;line-height:120%">The financial system is highly interrelated, and we have exposure to, and routinely execute transactions with, a variety of financial institutions. If any of these financial institutions or participants were to become or be perceived as unstable, or enter conservatorship, receivership, or bankruptcy, the consequences could have an adverse effect on our business, financial condition, and results of operations.              </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     29</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><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 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 adequacy 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%">If the Bank fails to satisfy regulatory risk-based or leverage capital requirements, it would be subject to serious regulatory consequences, including restrictions on the 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 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations - Regulatory Capital.&#8221; </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%">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 a systemic stress scenario. In addition, the Bank may model company-specific stress scenarios from time to time. In 2024, 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. Our regulators may also update their supervisory expectations applicable to the Bank&#8217;s stress tests, which could change how the Bank conducts stress tests or how senior management uses the results of the stress tests to inform business plans and capital targets. </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 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%">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 Financial Accounting Standards Board (the &#8220;FASB&#8221;), 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, </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">30</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><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">see 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><span><br/></span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%;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">increase 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">reclassify the types of assets we hold for regulatory capital purposes, including for risk-weightings;</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="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 (including, without limitation, practices and policies regarding the dischargeability of certain Private Education Loans in the event of a borrower&#8217;s bankruptcy); </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">enhance restrictions regarding money laundering and the financing of terrorism;</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">enhance requirements related to risk management and corporate governance; 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%">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 costs and could result in additional charge-offs. In recent years, there has been an increase in the scope of the laws and regulations and the intensity of the supervision to which we are subject, as well as an increase in regulatory enforcement and fines across the banking and financial services sector. The scope of regulation and the intensity of supervision may become higher in the future, which could increase our costs and levels of charge-offs, 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 or to increase our level of charge-offs 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. Restrictions or limitations on our operations, or other directives, imposed by our regulators may be confidential and thus, in some instances, we may not be permitted to publicly disclose the actions. </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 </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     31</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><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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, or the passage of new federal or state laws, and related regulations could also invalidate or call into question the legality of certain of our services and business practices. The impact of the Trump Administration&#8217;s policies is unclear.</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="margin-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, regulation, and supervision could increase our costs and limit our ability to pursue business opportunities. Complaints received by the CFPB regarding us 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. Various federal and state regulators, including governmental agencies, have adopted, or are considering adopting, laws and regulations regarding the use and disclosure of personal information and data privacy and security.  This patchwork of legislation and regulation may lead to conflicts or differing views of privacy rights.  As an example, certain state laws regarding personal information may be broader in scope or more stringent than federal laws or the laws of other states regarding personal information. See Item 1. &#8220;Business &#8212; Supervision and Regulation &#8212; Regulation of Sallie Mae Bank &#8212; Data Privacy and Data Security Laws and Regulations&#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%">Further, we make public statements about our use, collection, disclosure, and other processing of personal information through our privacy policies, information provided on our website, and press statements.  Although we endeavor to comply with our public statements and documentation, we may at times fail to do so or be alleged to have failed to do so.  The publication of our privacy policies and other statements that provide assurances about privacy, data protection, and data security can subject us to potential regulatory or legal action if they are found to be deceptive, unfair, or misrepresentative of our actual 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%">Violations of federal or state consumer protection, privacy, data protection, or cybersecurity laws or related regulations may expose us to litigation, administrative fines, penalties, and restitution. 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 and may 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, adversely affect the execution of strategic initiatives, or otherwise adversely affect our business.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">32</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><div style="margin-top:9pt;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 and our third-party service providers may use artificial intelligence, machine learning, data analytics, and similar tools to collect, aggregate, and analyze data in connection with our business. The impacts of, and regulatory framework for, such technology are continually evolving and remain uncertain and could affect our operations and the way in which we and our third-party service providers use such technology. Additionally, we could incur significant costs to comply with such evolving framework, which could adversely affect our business, financial condition, and results of operations.   </span><span style="color:#000000;font-family:'Aptos',san-serif;font-size:11pt;font-weight:400;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%">Our framework for managing risks, including model risk and data governance risk, may not be effective in mitigating our risk of loss in all possible scenarios 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="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 officials or candidates, affecting the student loan industry in particular, 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, and the increasing amount of student loan debt outstanding in the United States have sustained this heightened and ongoing scrutiny. This environment could lead to further proposals by federal and state legislators and regulators, and/or political officials or candidates, and to the enactment of laws, regulations, and/or executive orders applicable to, or limiting, our business. Further, the regulatory environment at the state level has shifted such that some states recently have enacted new legislation specifically restricting the conduct and practices of student loan servicers. The enactment of any proposed legislation or policies like those 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="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     33</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><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 and other risks, 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, seller, 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. In addition, the business practices, financial health, and integrity of the overall student loan market, other loan markets, or the market for online deposits, as applicable, could impact our reputation. 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 broader student loan industry or other relevant industries generally, could damage our reputation and business and adversely impact the price of our common stock or other securities.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;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%">Other matters that can impact our reputation, including, but</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%">not limited to, community impact and workforce issues, and our overall governance environment, may expose us to negative publicity based on the identity and activities of those with whom we do business and the public&#8217;s view of our approach and performance, and that of our business partners, regarding these matters. Such negative publicity could damage our relationships and reputation with our existing and prospective customers and third parties with whom we do business, have an adverse effect on our ability to attract and retain customers and employees, and have a negative impact on the demand for and market price of our securities. Stakeholders&#8217; expectations are diverse and rapidly changing, and we may not be able to align our practices with such evolving expectations within the timeframes expected by stakeholders or without incurring significant costs. </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 negative publicity, including individual posts via social media, could &#8220;go viral&#8221;, causing potentially significant harm to our brand and reputation, and our business, whether or not factually accurate.</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, as described above, proposals of political candidates, administrations, or legislators that may affect the financial industry, or the student loan industry, in particular, could impact our reputation and/or 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, sell, securitize, and retain Private Education 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 portfolio grows in both volume and differing terms and conditions, developing and maintaining our operating 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, processes, 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 or other business requirements, in each case potentially adversely affecting our ability to process these transactions adequately. 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 from time to time, 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, a failure to adequately anticipate the level of staffing or effort needed to efficiently and effectively communicate with and service our </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">34</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><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">customers or to service and collect on our loans, or another similar operational event 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 and to reduce the number of manual processes we employ. 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 continuously experience cyberattacks and other security incidents. While we continue to evolve our security controls to improve our ability to prevent, detect, and respond to the continually changing threats, 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 cyberattacks, particularly because the techniques used by attackers change frequently or are not recognized until launched, and because cyberattacks 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 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, cyberattacks 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, malware attacks, and other events that could have a security impact </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     35</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><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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. This risk may be heightened by our hybrid work environment, which may lead to unanticipated issues arising from handling personal, confidential, and other information from a work-from-home environment.</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. Cyberattacks targeted at our service providers or in other areas of our business chain may result in unauthorized interception, misuse, mishandling, access, acquisition, loss, or destruction of our or our customers&#8217; data, or 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, 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 &#8220;cloud&#8221; computing services and 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 may face risks from our operations related to litigation or regulatory or supervisory 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%">From time to time, in the ordinary course of our business, we face litigation alleging violations of consumer protection, securities, employment, and other laws. Defending against such litigation, or regulatory or supervisory 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 or supervisory actions and if the defenses we assert are ultimately unsuccessful, or if we are unable to achieve a favorable outcome, we could be liable for large damages, penalties, or other costs or charge-offs and that could have a material adverse effect on our business, results of operations, and/or financial condition. </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">36</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><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, as well as other internal 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:9pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other internal controls, including fraud detection and controls, and corporate governance procedures also are based on the assumption that they can provide only reasonable, not absolute, assurances the objectives of the controls and procedures are met.  Any failure or circumvention of controls and procedures, including as a result of human error, malfeasance of employees or third parties, or other misconduct by employees or third parties, can result in legal risk and reputational harm and have a material adverse effect on our business, financial condition, and/or results of operations. </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%">Our business operations and those of our third-party vendors may be adversely impacted by political events, terrorism, cyberattacks, public health issues (including pandemics), natural disasters, severe weather, climate change, infrastructure failure or outages, labor disputes, business interruptions, and other unpredictable catastrophic events</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%">Our business operations and those of our third-party vendors are subject to interruption by, among other things, geopolitical events, terrorism, cyberattacks, public health issues (including pandemics), natural disasters, severe weather, climate change, infrastructure failure or outages, labor disputes, and other unpredictable catastrophic events, which could make it difficult or impossible for us to deliver a satisfactory experience to our customers or could decrease demand for our products and services.</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 of the unpredictable catastrophic events discussed above could affect the stability of our deposit base, impair the ability of our borrowers and cosigners 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%">New lines of business or new products and services may subject us to additional risks. Additionally, 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%">From time to time, we may implement or acquire new lines of business or offer new products and services, or enter into new business arrangements with third-party service providers, alternative payment providers, or other industry participants. We may face compliance and regulatory risks in each of those cases. We also 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 and/or implementation of new lines of business, products, or services involve numerous risks and uncertainties, including inaccurate financial and operational assumptions, incomplete or failed due diligence, lower-than-expected performance, higher-than-expected costs, difficulties related to integration, diversion of </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     37</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><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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 or new lines of business, products, or services. 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 or implement new lines of business, products, or services.</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%">We may have exposure to risks related to the Spin-Off, indemnification claims, and/or Navient&#8217;s creditworthiness. </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 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, including a tax sharing agreement, to effect the Spin-Off and provide a framework for our relationship with Navient thereafter.  Pursuant to the terms of the Separation and Distribution Agreement, and as contemplated by the structure of the Spin-Off, Navient is legally responsible for, and 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. </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 and Navient entered into the above-referenced tax sharing agreement to govern the respective rights, responsibilities, and obligations of the parties 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.  While the statutes of limitation on the tax periods covered by the tax sharing agreement have largely run, any trailing tax liabilities associated with past periods could impact our business, 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%">The Separation and Distribution Agreement and tax sharing agreement provide specific processes and procedures pursuant to which claims for indemnification may be submitted.  Any financial liability or litigation costs resulting from an indemnification claim made against or by Navient could have a material adverse impact on our business, financial condition, and/or results of operations.  Additionally, if Navient is unable or unwilling to pay claims that we make against it, our financial condition, results of operations, and/or cash flows could be materially and adversely affected over time.  </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">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 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%">At December&#160;31, 2024, 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 stockholders.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">38</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><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%">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. Additionally, we may pause or discontinue our share repurchase programs for other reasons, such as legal or regulatory considerations, or because we decide to allocate available funds for other corporate priorities. 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="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 and subject matter experts. We depend on our senior leaders and skilled employees and subject matter experts 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 and subject matter experts, our business could be negatively affected.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_25"></div><div style="margin-top:13.5pt"><span style="color:#000000;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 style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     39</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_28"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></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:232%">Item 1C. Cybersecurity</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%">Cybersecurity Risk Management and Strategy</span></div><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock" id="f-42" continuedAt="f-42-1" escape="true"><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%"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementProcessesIntegratedTextBlock" id="f-43" escape="true">We have developed and implemented a cybersecurity risk management program intended to protect the confidentiality, integrity, and availability of our critical systems and information. Our cybersecurity risk management program includes a cybersecurity incident response standard.</ix:nonNumeric> </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:115%">We use the Cyber Risk Institute Profile (which is based on the National Institute of Standards and Technology Cybersecurity Framework), the Federal Financial Institutions Examination Council Information Technology Examination Handbook, and the Payment Card Industry Data Security Standards as guides to help us identify, assess, and manage cybersecurity risks relevant to our business and develop and implement our cybersecurity risk management program. This does not imply that we meet any particular technical standards, specifications, or requirements.</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:115%"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementProcessesIntegratedFlag" format="ixt:fixed-true" id="f-44">Our cybersecurity risk management program is integrated with our overall enterprise risk management program, and shares common methodologies, reporting channels, and governance processes that apply across the enterprise risk management program to other legal, compliance, strategic, operational, and financial risk areas.</ix:nonNumeric></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:115%">Our cybersecurity risk management program includes the following key elements:</span></div><div style="text-indent:22.5pt"><span><br/></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">risk assessments designed to help identify material cybersecurity risks to our critical systems, information, services, and our broader enterprise information technology (&#8220;IT&#8221;) environment; </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">a team comprised of IT security, IT infrastructure, and IT compliance personnel principally responsible for directing (i) our cybersecurity risk assessment processes, (ii) our security processes, and (iii) our response to cybersecurity incidents;</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 use of external cybersecurity service providers, where appropriate, to assess, test, or otherwise assist with aspects of our security processes;</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">cybersecurity awareness training of employees with access to our IT systems; </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">a cybersecurity incident response standard and Crisis Management Policy that guide our response to cybersecurity incidents; and</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: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"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementThirdPartyEngagedFlag" format="ixt:fixed-true" id="f-45">a third-party risk identification and management process for service providers.</ix:nonNumeric></span></div></ix:nonNumeric><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:115%"><ix:continuation id="f-42-1"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantFlag" format="ixt:fixed-false" id="f-46">We face certain ongoing risks from cybersecurity threats that, if realized, are reasonably likely to materially affect us, including our operations, business strategy, results of operations, and/or financial condition. See Item 1A. &#8220;Risk Factors &#8211; OPERATIONAL RISKS &#8211; 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&#8221; in this Form 10-K.</ix:nonNumeric></ix:continuation> </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%">Cybersecurity Governance</span></div><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskProcessForInformingBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock" id="f-49" continuedAt="f-49-1" escape="true"><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%"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskBoardOfDirectorsOversightTextBlock" id="f-47" escape="true"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskThirdPartyOversightAndIdentificationProcessesFlag" format="ixt:fixed-true" id="f-48">Our Board of Directors considers cybersecurity risk as critical to the enterprise and delegates the cybersecurity risk oversight function to the Operational and Compliance Risk Committee of the Board. The Operational and Compliance Risk Committee of our Board of Directors oversees management&#8217;s design, implementation, and enforcement of our cybersecurity risk management program.</ix:nonNumeric></ix:nonNumeric> </span></div><div style="text-indent:22.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock" id="f-50" 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:115%"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock" id="f-52" escape="true"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock" id="f-51" escape="true">Our <ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleFlag" format="ixt:fixed-true" id="f-53">Chief Security Officer (&#8220;CSO&#8221;)</ix:nonNumeric> reports to our Chief Operational Officer and President of the Bank and leads the Company&#8217;s overall cybersecurity function.</ix:nonNumeric>  <ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskRoleOfManagementTextBlock" id="f-54" continuedAt="f-54-1" escape="true">Our CSO provides periodic updates on our cybersecurity risk management program to the management-level Operational and Compliance Risk Committee (&#8220;OCRC&#8221;) and Executive Committee (&#8220;EC&#8221;).</ix:nonNumeric></ix:nonNumeric><ix:continuation id="f-54-1">  The Operational and Compliance Risk Committee of our <ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleReportToBoardFlag" format="ixt:fixed-true" id="f-55">Board</ix:nonNumeric> of Directors also receives periodic reports from our CSO on our cybersecurity risks, including briefings on our cyber risk management program and cybersecurity incidents.</ix:continuation></span></div></ix:nonNumeric><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:115%">Our CSO supervises efforts to prevent, detect, mitigate, and remediate cybersecurity risks and incidents through various means, which include: briefings from internal security personnel; threat intelligence and other </span></div></ix:nonNumeric><div style="height:54pt;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%">2024 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%">40</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><ix:continuation id="f-49-1"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">information obtained from governmental, public, or private sources, including external cybersecurity service providers; and alerts and reports produced by security tools deployed in the IT environment.</span></div></ix:continuation><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:115%"><ix:nonNumeric contextRef="c-1" name="cyd:CybersecurityRiskManagementExpertiseOfManagementResponsibleTextBlock" id="f-56" escape="true">Our CSO is responsible for assessing and managing our material risks from cybersecurity threats, has primary responsibility for leading our overall cybersecurity risk management program, and supervises both our internal cybersecurity personnel and our external cybersecurity service providers. Our CSO has significant executive experience in managing and leading IT and cybersecurity teams in both government and the private sector and has received industry recognition in the cybersecurity area.</ix:nonNumeric> Our CSO holds cybersecurity certifications from leading cybersecurity training and research institutes, is a Fellow at the National Security Institute, and is a member of the Board of Directors of the Financial Services Information Sharing and Analysis Center.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_31"></div><div style="padding-left:47.25pt;text-indent:-47.25pt"><span style="color:#000000;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 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, 2024:</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 style="width:32.233%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.357%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:39.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.357%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.644%"/><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%">Location</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 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 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, 2024:</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 style="width:32.233%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.357%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:39.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.357%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.644%"/><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%">Location</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 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 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 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 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 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 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 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 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 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 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%">Our headquarters is currently located in owned space, unencumbered by a mortgage, at 300 Continental Drive, Newark, Delaware, 19713.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     41</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_34"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></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:174%">Item&#160;3.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:174%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Legal Proceedings </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:107%">The information required by this Item is set forth in the &#8220;Commitments, Contingencies, and Guarantees&#8221; discussion in Note 18 of the accompanying Notes to the Consolidated Financial Statements in this Annual Report on Form 10-K, which discussion is included in Item 8 of this Report, and is incorporated herein by reference in response to this Item. </span></div><div style="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_37"></div><div style="margin-top:9pt;padding-left:47.25pt;text-indent:-47.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:174%">Item&#160;4.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:174%">&#160;&#160;&#160;&#160;</span><span style="color:#000000;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 id="idb53689b710946c1b3ee3e39899ac732_40"></div><div style="margin-top:9pt;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%">PART II. </span></div><div style="margin-top:9pt;padding-left:47.25pt;text-indent:-47.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item&#160; 5.</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: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 trades on the NASDAQ Global Select Market (&#8220;Nasdaq&#8221;) under the symbol SLM.  As of January&#160;31, 2025, there were 210,423,462 shares of our common stock outstanding and approximately 239 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 $0.11 per share for the first, second, and third quarters of 2024, respectively, and $0.13 per share for the fourth quarter of 2024. We paid quarterly cash dividends on our common stock of $0.11 per share for each quarter of 2023 and 2022.  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. See Item 1A. &#8220;Risk Factors &#8212; GENERAL RISKS&#8221; for possible limitations on the payments of our dividends.</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 information contained in the definitive proxy statement on Schedule 14A for our 2025 annual meeting of shareholders (the &#8220;2025 Proxy Statement&#8221;), including information appearing in the section titled &#8220;Equity Plan Compensation Information&#8221;, is incorporated herein by reference. </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, 2024. </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:99.269%"><tr><td style="width:1.0%"/><td style="width:31.153%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.092%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.420%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.534%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.830%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.658%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.303%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.732%"/><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, <br/>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: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 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 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 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 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 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 Under Publicly&#160;Announced 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></div><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">at December 31, 2024</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 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 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 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 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, 2024</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,582,502&#160;</span></td><td style="background-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%">22.90&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,569,378&#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 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%">$412,000</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">November 1&#160;- November&#160;30, 2024</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">433,180&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23.58&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">431,330&#160;</span></td><td style="background-color:#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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$402,000</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December&#160;1&#160;-&#160;December&#160;31, 2024</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,590&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">27.13&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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="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%">$402,000</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total fourth-quarter 2024</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,024,272&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">23.07&#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%">2,000,708&#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;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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="margin-top:3pt;padding-left:40.5pt;padding-right:27pt;text-indent:-4.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)  The total number of shares purchased includes: (i) shares purchased under the stock repurchase programs discussed herein, and (ii) 23,564 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:45pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:107%">(2)  As of December 31, 2024, we had $402 million of capacity remaining under the 2024 Share Repurchase Program. The 2024 Share Repurchase Program was announced on January 24, 2024, with an effective date of January 26, 2024, and expires on February 6, 2026. See Notes to Consolidated Financial Statements, Note 12, &#8220;Stockholders&#8217; Equity&#8221; in this Form 10-K for further discussion.</span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:27pt;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:7pt;font-weight:400;line-height:120%">(3)  In the fourth quarter of 2024, we repurchased 2.0 million common shares under our 10b5-1 trading plans. See Notes to Consolidated Financial Statements, Note 12, &#8220;Stockholders&#8217; Equity&#8221; in this Form 10-K for further discussion. </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">42</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><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 31, 2024 was $27.58.  </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 January 2020, we announced a share repurchase program of up to $600 million of common stock. This program expired in January 2022. In January 2021, we announced an additional share repurchase program of up to $1.25&#160;billion of common stock (the &#8220;2021 Share Repurchase Program&#8221;) that expired in January 2023. In October 2021, our Board of Directors approved a $250&#160;million increase in the amount of common stock that could be repurchased under the 2021 Share Repurchase Program, resulting in a total authorization of $1.5&#160;billion of common stock. In January 2022, we announced a share repurchase program of up to $1.25&#160;billion of common stock that expired in January 2024.</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 January 2024, we announced a new share repurchase program of up to $650&#160;million of common stock (the &#8220;2024 Share Repurchase Program&#8221;). The program expires in February 2026. We had $402 million of capacity remaining under the 2024 Share Repurchase Program as of December 31, 2024. </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 above share repurchase programs, repurchases could occur from time to time and through a variety of methods, including open market repurchases, repurchases effected through Rule 10b5-1 trading plans, negotiated block purchases, accelerated share repurchase programs, tender offers, or other similar transactions. The timing and volume of any repurchases are subject to market conditions, and there can be no guarantee that the Company will repurchase up to the limit of the 2024 Share Repurchase Program.</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%">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, 2019, and also assumes the reinvestment of dividends through December&#160;31, 2024.</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-20241231_g5.jpg" alt="6764" 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 style="width:37.571%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.121%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.121%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.121%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.121%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.121%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.124%"/><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: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%">12/31/19</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><td colspan="3" style="border-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%">12/31/22</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%">12/31/23</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%">12/31/24</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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$140.9&#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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$226.1&#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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$195.7&#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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$232.2&#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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$342.0&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.8&#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%">137.7&#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%">110.9&#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%">142.5&#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%">215.2&#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%">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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">91.4&#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%">129.5&#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%">124.1&#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%">123.0&#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%">143.9&#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:8pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160; Source: FactSet data and analytics</span></div><div style="margin-top: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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     43</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_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><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%">[Reserved] </span></div><div style="margin-top:9pt;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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">44</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_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><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 Part I, 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="idb53689b710946c1b3ee3e39899ac732_52"></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, 2024.</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%">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-weight:400;line-height:120%">To focus our business and increase shareholder value, we continue to advance our strategic imperatives. Our primary 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, and strive to maintain a rigorous and predictable capital allocation and return program to create shareholder value. We are focused on driving a mission-led culture that continues to make Sallie Mae a great place to work, while we continue to strengthen our risk and compliance functions, enhance and build upon our risk management framework, and assess and monitor enterprise-wide risk. </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:6pt;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 and Net Interest Margin</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%">Most of our earnings are generated from the interest income earned on assets in our education loan portfolios, net of the interest expense we pay on the funding for those loans. We report these earnings as net interest income. The majority of our interest income comes from our Private Education Loan portfolio.</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 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. As interest rates change, changes in the cost of our interest-bearing liabilities tend to lag slightly compared to changes in the yields on our interest-earning assets, which could impact our net interest margin in any given period.</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: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 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 2024, we recognized $255&#160;million in gains from the sale of approximately $3.69&#160;billion of our Private Education Loans, including $3.42&#160;billion of principal and $274&#160;million in capitalized interest, to unaffiliated third parties. </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     45</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><div style="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 additional information regarding these transactions, see Notes to Consolidated Financial Statements, Note 5, &#8220;Loans Held for Investment&#8221; and Note 10, &#8220;Borrowings - Unconsolidated Funding Vehicles&#8221; in this Form 10-K.</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 2024, we transferred our remaining FFELP Loan portfolio to loans held for sale and subsequently sold the FFELP Loan portfolio to an unaffiliated third party in the fourth quarter of 2024. We wrote down the FFELP Loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $8 million in 2024. 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:6pt;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 &#8220; &#8212; Critical Accounting Policies and Estimates &#8212; Allowance for Credit Losses&#8221; in this Item 7. 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:6pt;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. 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, servicing and collections practices, and the current economic environment. See Item 1A &#8220;Risk Factors &#8212; CREDIT RISK &#8212; Defaults on our loans could adversely affect our business, financial condition, results of operations, and/or cash flows&#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 dollar amount of charge-offs to increase. </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 the sale of our remaining FFELP Loan portfolio in the fourth quarter of 2024, our allowance for credit losses for FFELP Loans and related periodic provision expense was small because we generally bore a maximum of three&#160;percent loss exposure due to the federal guarantee on such loans. We maintained 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: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:174%">Charge-Offs and 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%">Delinquencies are another important indicator of potential future credit performance. Private Education Loans are charged off at the end of the month in which they reach 120 days delinquent or otherwise when the loans are classified as a loss by us or our regulator. 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 sell a segment of defaulted loans immediately after charge-off, and use in-house collectors and third-party collectors to collect on retained defaulted loans.</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: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. 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: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: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="height:54pt;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%">2024 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%">46</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><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:174%">Funding 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%">Though we rely primarily on deposits and loan securitizations to fund our loan originations, we also have access to a multi-lender secured borrowing facility (the &#8220;Secured Borrowing Facility&#8221;) and, from time to time, we access the debt capital markets through unsecured bond issuances. For additional information, see &#8220;&#8212;Borrowings &#8212; Long-term Borrowings&#8221; below in this Item 7.</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 original terms from three months to ten years. 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 further diversify our funding sources with deposits from Educational 529 savings plans and Health Savings plans.</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%">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. </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     47</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_58"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></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 style="width:32.546%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.208%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.507%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.895%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.507%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.507%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.208%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.568%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.582%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.568%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.834%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.568%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.208%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.573%"/><td style="width:0.1%"/></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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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 colspan="15" style="padding:0 1pt"/><td colspan="3" style="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%">2024 vs. 2023</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%">2023 vs. 2022</span></td></tr><tr style="height:21pt"><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 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 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:2px 1pt;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 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 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 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 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 style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,314&#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 style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,327&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,915&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">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:9pt;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: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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#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%">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%">243&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">214&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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 interest 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%">2,619&#160;</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%">2,592&#160;</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%">2,032&#160;</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%">26&#160;</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&#160;</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%">560&#160;</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%">28&#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%">Total 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%">1,138&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,030&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">90&#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 interest 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%">1,481&#160;</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%">1,562&#160;</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%">1,489&#160;</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%">(82)</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)</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%">73&#160;</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&#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%">Less: provisions 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%">409&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">345&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#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 interest income after 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:9pt;font-weight:400;line-height:100%">1,072&#160;</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%">1,217&#160;</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%">855&#160;</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%">(145)</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%">(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 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%">362&#160;</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%">42&#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%">Non-interest income:</span></td><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"><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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><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"><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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">328&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#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%">Gains (losses) on securities, 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%">3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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="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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">247&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">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 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%">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 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%">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 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%">(88)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">(26)</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%">Non-interest expenses:</span></td><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"><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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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"><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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">637&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">619&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">551&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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%">3&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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"/></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%">Acquired intangible assets impairment and amortization 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%">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:9pt;font-weight:400;line-height:100%">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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">725&#160;</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"/><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%">Total non-interest expenses</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%">642&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">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 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%">559&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">(6)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">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 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%">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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;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&#160;</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%">778&#160;</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%">631&#160;</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%">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: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 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%">147&#160;</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%">23&#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%">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%">190&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">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:9pt;font-weight:400;line-height:100%">162&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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;padding:2px 1pt 2px 0;text-align:right;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%">608&#160;</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%">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 colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">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"/><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%">27&#160;</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&#160;</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%">112&#160;</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%">24&#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%">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%">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%">9&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">9&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">590&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">564&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">460&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">26&#160;</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&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">104&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Basic earnings per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2.73&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.44&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">1.78&#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%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.29&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">0.66&#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 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%">37&#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 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%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.68&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2.41&#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%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.76&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">0.27&#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 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%">11&#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 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%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.65&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Declared dividends per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">0.46&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.44&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">0.44&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.02&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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 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 style="margin-top:4.5pt;padding-left:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Note: Due to rounding, amounts in this table may not sum to totals.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">48</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><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 style="margin-top:6pt"><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, 2024 Compared with Year Ended December&#160;31, 2023</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, 2024, net income was $608 million, or $2.68 diluted earnings per common share, compared with net income of $581 million, or $2.41 diluted earnings per common share, for the year ended December&#160;31, 2023. The year-over-year increase was primarily attributable to an increase in gains on sales of loans, net and other income and a decrease in total non-interest expense, which were offset by a decrease in total net interest income and an increase in provisions 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%">The primary contributors to the drivers of change in net income for the current year period compared with the year-ago period are as follows:</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Aptos',san-serif;font-size:11pt;font-weight:400;line-height:107%">&#8226;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:107%;padding-left:12.84pt">Net interest income in 2024 decreased by $82 million compared with the year-ago period primarily due to a 31-basis point decrease in our net interest margin and an $79&#160;million decrease in average Private Education Loans and FFELP Loans outstanding. Our net interest margin decreased in the current period from the year-ago period primarily because our cost of funds increased more than the yields on our interest-earning assets. As interest rates change, changes in the cost of our interest-bearing liabilities tend to lag compared to changes in the yields on our interest-earning assets. In a rising interest rate environment, as we experienced in 2022 and the first part of 2023, our variable-rate interest earning assets repriced faster than our cost of funds. As such, we saw an expansion in our net interest margin throughout most of 2023. As interest rates stabilized in the latter half of 2023 and into the first half of 2024, our cost of funds increased faster than our interest-earning assets yields and reduced our net interest margin.</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">Provision for credit losses in 2024 was $409 million, compared with $345 million in the year-ago period. During 2024, the increase in the provision for credit losses was primarily affected by new loan commitments, net of expired commitments, and changes in recovery rates. These drivers were offset by $236 million in negative provisions resulting from the approximately $3.69 billion Private Education Loan sales during 2024, an improved economic outlook, and changes in management overlays. In the year-ago period, the provision for credit losses was primarily affected by new loan commitments, net of expired commitments, slower prepayment rates, management overlays, and changes in economic outlook, which were partially offset by $205&#160;million in negative provisions recorded as a result of the approximately $3.15 billion in Private Education Loan sales during 2023 and an increase in recovery rates (as the result of a 2023 change in our defaulted loan recovery process).</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 $255 million in 2024, compared with $160 million in the year-ago period. The increase in gains on sales of loans was primarily the result of selling approximately $3.69 billion of Private Education Loans in 2024, compared with the sale of approximately $3.15 billion of Private Education Loans in the year-ago period. Additionally, we received lower sales premiums in 2023 as compared to 2024 due to movement in market interest rates in 2023. We also sold our Credit Card loan portfolio in May 2023 and recorded a $4 million loss on the sale in 2023.</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 (losses) on securities, net, were less than $1 million in gains in 2024, compared with $3 million in gains in the year-ago period. The decrease from the year-ago period was due to the change in mark-to-fair value of our trading investments. </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 was $113 million in 2024, compared with $84 million in the year-ago period. The increase in other income compared with the year-ago period was primarily the result of a $21 million increase in third-party servicing fees from the year-ago period. The increase in third-party servicing fees was primarily due to an additional approximately $3.7&#160;billion of sold loans that we continue to service on behalf of the owners of the loans. There was also a $3 million increase in early withdrawal penalty fee income in 2024 compared with the year-ago period, which was related to a health savings account provider that redeemed its deposits early and paid an early withdrawal penalty in the first quarter of 2024.</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, 2024, total operating expenses were $637 million, compared with $619&#160;million in the year-ago period. The increase in total operating expenses was primarily driven by higher personnel costs, increased marketing costs, and higher FDIC assessment fees. </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 2024, we recorded $5 million in impairment and amortization of acquired intangible assets, compared with $66&#160;million in the year-ago period. The decrease is a result of the impairment write-down of the Nitro trade name intangible asset taken in the fourth quarter of 2023. For additional information, see Notes to Consolidated Financial Statements, Note 8, &#8220;Goodwill and Acquired Intangible Assets&#8221; in this Form 10-K. </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     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><div style="margin-top:4.5pt"><span><br/></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, 2024 was $190 million, compared with $197 million in the year-ago period. The effective tax rate decreased in 2024 to 23.8 percent from 25.3 percent in the year-ago period. The decrease in the effective rate for 2024 was primarily attributable to a decrease in state income taxes.</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:174%">Year Ended December&#160;31, 2023 Compared with Year Ended December&#160;31, 2022</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, 2023, net income was $581 million, or $2.41 diluted earnings per common share, compared with net income of $469 million, or $1.76 diluted earnings per common share, for the year ended December&#160;31, 2022. The year-over-year increase was primarily attributable to less provisions for credit losses and an increase in total net interest income and other income, which were offset by decreases in gains on sales of loans, net, and higher 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 primary contributors to each of the identified drivers of change in net income for 2023 compared with 2022 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 2023 increased by $73 million compared with 2022 primarily due to a $375&#160;million increase in average Private Education Loans and FFELP Loans outstanding and a 19-basis&#160;point increase in our net interest margin. Our net interest margin increased in 2023 from 2022 because of the dramatic increase in interest rates in 2023. When interest rates rise, the yield on our interest-earning assets typically increases faster than our cost of funds. As such, as rates increased in 2023, we saw our net interest margin increase.</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">Provision for credit losses in 2023 was $345 million, compared with $633 million in 2022. During 2023, the provision for credit losses was primarily affected by new loan commitments, net of expired commitments, slower prepayment rates, management overlays, and changes in economic outlook, which were partially offset by $205&#160;million in negative provisions recorded as a result of the approximately $3.15 billion in Private Education Loan sales during 2023 and an increase in recovery rates (as the result of a change in our defaulted loan recovery process). In 2022, the provision for credit losses was primarily affected by new loan commitments made during the period, slower than expected prepayment rates, and additional management overlays, which were partially offset by negative provisions recorded related to approximately $3.34 billion in Private Education Loans sold in 2022 and the adoption of a new loss model that included a reduction in the long-term estimate of losses after the reasonable and supportable period. Management overlays increased in 2022 due to several factors, including additional provisions for our expectation of higher future loan losses related to the previously announced credit administration practices changes we implemented in 2021, &#8220;gap year&#8221; loans, a shortage and lack of tenured collections staff, and other operational challenges we experienced in 2022.</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 $160 million in 2023, compared with $328 million in 2022. The decrease in gains on sales of loans was primarily the result of selling approximately $3.15 billion of Private Education Loans in 2023, compared with the sale of approximately $3.34 billion of Private Education Loans in 2022, and lower sales premiums received in 2023 compared to 2022, which were attributable to higher interest rates in 2023. We also sold our Credit Card loan portfolio in May 2023 and recorded a $4 million loss on the sale in 2023.</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 (losses) on securities, net, were $3 million in gains in 2023, compared with a net loss of $60 million in 2022. The gains on securities, net, in 2023 were related to the changes in mark-to-fair value of our trading investments. During 2022, we determined that an investment in non-marketable equity securities was impaired. As such, we wrote down the value by $60 million in 2022 based upon an estimate of the value of these securities. </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 was $84 million in 2023, compared with $67 million in 2022. The increase in other income compared with 2022 was primarily the result of a $13 million increase in third-party servicing fees from 2022 and a $2 million increase in Private Education Loan late fees compared with 2022.</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, 2023, total operating expenses were $619 million, compared with $551&#160;million in 2022. The increase in total operating expenses was primarily driven by higher personnel costs, initiative spending, and higher FDIC assessment fees, which were partially offset by lower Credit Card portfolio expenses as a result of the sale of the 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: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 2023, we recorded $66 million in impairment and amortization of acquired intangible assets, compared with $8&#160;million in 2022. During the fourth quarter of 2023, we recorded an impairment of $56&#160;million as a result of a write-down of the value of the Nitro trade name and trademarks intangible assets. This write-down occurred because we planned to discontinue the use of the Nitro trade name and trademarks in 2024 and transition the related branding to the Sallie and Sallie Mae brands and platforms. In 2023, we recorded $10 million in amortization expense of acquired intangible assets, compared to $8 million in 2022. The increase in amortization expense was related to our acquisition of several key assets of Scholly in the third quarter of 2023. For additional </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">50</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><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%">information, see Notes to Consolidated Financial Statements, Note 8, &#8220;Goodwill and Acquired Intangible Assets&#8221; in this Form 10-K. </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, 2023 was $197 million, compared with $162 million in 2022. The effective tax rate decreased in 2023 to 25.3 percent from 25.6 percent in 2022. The decrease in the effective rate for 2023 was primarily attributable to an increase in tax credits utilized in the year.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     51</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_61"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div></div><div style="margin-top:13.5pt;padding-left:47.25pt;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:1pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline">,  </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 style="width:28.557%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.141%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.865%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.500%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.952%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.096%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.759%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.545%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.505%"/><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%">Years Ended 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:8pt;font-weight:700;line-height:100%">2024</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%">2023</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%">2022</span></td></tr><tr style="height:17pt"><td colspan="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%">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 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 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 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 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 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 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 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 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 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 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 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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,121,545&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.81&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,039,701&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.86&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">20,576,737&#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%">9.14&#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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">413,338&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.45&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">574,218&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.19&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">662,194&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.62&#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%">&#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%">11,096&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.02&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,547&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Taxable 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%">2,316,848&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,543,586&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,509,215&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.41&#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 other short-term 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%">4,700,066&#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%">5.19&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,215,164&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.09&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,284,442&#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%">1.93&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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-earning assets</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><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%">28,551,797&#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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><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%">9.17&#160;</span></td><td style="background-color:#ededee;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:#ededee;padding:0 1pt"/><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%">28,383,765&#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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><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%">9.13&#160;</span></td><td style="background-color:#ededee;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:#ededee;padding:0 1pt"/><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%">28,061,135&#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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><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%">7.24&#160;</span></td><td style="background-color:#ededee;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:#ffffff;padding:2px 1pt;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 colspan="3" 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;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;border-top:3pt double #000000;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-earning 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%">505,245&#160;</span></td><td style="background-color:#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="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">301,749&#160;</span></td><td style="background-color:#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="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">605,447&#160;</span></td><td style="background-color:#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:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #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;border-top:1pt solid #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;border-top:1pt solid #000000;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%">Total 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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,057,042&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,685,514&#160;</span></td><td style="background-color:#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 style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,666,582&#160;</span></td><td style="background-color:#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:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 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;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"/></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%">Average Liabilities and Equity</span></td><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"><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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#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%">Brokered deposits</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%">10,009,221&#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:9pt;font-weight:400;line-height:100%">3.89&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,803,802&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.29&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,871,787&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.95&#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%">Retail and other deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,142,798&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,605,215&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.40&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,109,675&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.65&#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: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:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,616,445&#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%">4.09&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,366,365&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.66&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,517,489&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.03&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 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%">26,768,464&#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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><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%">4.25&#160;</span></td><td style="background-color:#ededee;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:#ededee;padding:0 1pt"/><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%">26,775,382&#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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><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%">3.85&#160;</span></td><td style="background-color:#ededee;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:#ededee;padding:0 1pt"/><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%">26,498,951&#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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><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%">2.05&#160;</span></td><td style="background-color:#ededee;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:#ffffff;padding:2px 1pt;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 colspan="3" 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;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;border-top:3pt double #000000;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-bearing 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%">149,594&#160;</span></td><td style="background-color:#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="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">83,895&#160;</span></td><td style="background-color:#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="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">107,611&#160;</span></td><td style="background-color:#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:9pt;font-weight:400;line-height:100%">Equity</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,138,984&#160;</span></td><td style="background-color:#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%">1,826,237&#160;</span></td><td style="background-color:#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%">2,060,020&#160;</span></td><td style="background-color:#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:#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 style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,057,042&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-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%">28,685,514&#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 colspan="3" style="background-color:#ededee;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-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-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%">28,666,582&#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 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%">&#160;</span></td><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;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;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"/></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 interest margin</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="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%">5.19&#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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><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%">5.50&#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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><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%">5.31&#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;</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">52</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><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 style="width:53.694%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.778%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.365%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.207%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.148%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.797%"/><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%">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 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 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 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 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%">2024 vs. 2023</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:2px 1pt;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 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 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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,743&#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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,358&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">15,385&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">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%">108,174&#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%">108,440&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(266)</span></td><td style="background-color:#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 interest income (loss)</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(81,431)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(90,630)</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%">9,199&#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%">&#160;</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: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 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 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%">2023 vs. 2022</span></td><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"><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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">560,723&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">537,107&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,616&#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%">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%">487,291&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">481,570&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,721&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">73,432&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">56,165&#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%">17,267&#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: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"><span><br/></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:49.861%"><tr><td style="width:1.0%"/><td style="width:72.159%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.192%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.249%"/><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, 2024<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%">Total Loans<br/>Held for<br/>Investment (Private Education Loans)</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 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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,397,127&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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="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%">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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,837,881&#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%">Total, 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%">22,235,008&#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%">103,070&#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 loan 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%">(1,435,920)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 loans held for investment portfolio, 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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,902,158&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" 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 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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:162pt;padding-right:135pt;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:162pt;padding-right:135pt;text-indent:-18pt"><span><br/></span></div><div style="padding-left:162pt;padding-right:135pt;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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="padding-left:108pt;padding-right: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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     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><div style="margin-top:4.5pt;text-align:center"><span><br/></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:75.416%"><tr><td style="width:1.0%"/><td style="width:47.334%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.720%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.658%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.273%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.080%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.273%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.662%"/><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, 2023<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: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 colspan="3" style="border-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 colspan="3" style="border-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<br/>Held for<br/>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 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 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 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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,997,092&#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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">57&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,997,149&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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="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%">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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,028,752&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">537,344&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,566,096&#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, 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%">21,025,844&#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%">537,401&#160;</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%">21,563,245&#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%">81,554&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,330&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">82,884&#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%">Allowance for loan 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%">(1,335,105)</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:9pt;font-weight:400;line-height:100%">(4,667)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,339,772)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 loans held for investment portfolio, 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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,772,293&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">534,064&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">20,306,357&#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:1pt;font-weight:400;line-height:100%">&#160;</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: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 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 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:9pt;font-weight:400;line-height:100%">% of total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:67.5pt;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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="padding-left:36pt;padding-right:13.5pt"><span><br/></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:75.416%"><tr><td style="width:1.0%"/><td style="width:47.334%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.720%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.658%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.273%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.080%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.273%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.662%"/><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, 2022<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: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 colspan="3" style="border-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 colspan="3" style="border-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<br/>Held for<br/>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 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 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 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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,659,323&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">57&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,659,380&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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="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%">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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,644,365&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">608,993&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,253,358&#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, 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%">20,303,688&#160;</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%">609,050&#160;</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%">20,912,738&#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%">69,656&#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:9pt;font-weight:400;line-height:100%">1,549&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71,205&#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 loan 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%">(1,353,631)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,444)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,357,075)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 loans held for investment portfolio, 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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,019,713&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">607,155&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">19,626,868&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" 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 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 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 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:9pt;font-weight:400;line-height:100%">% of total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:67.5pt;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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="padding-left:36pt;padding-right: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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">54</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><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 style="width:41.319%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.606%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.932%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.090%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.319%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.090%"/><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:11.319%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.090%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.935%"/><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: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 colspan="3" style="border-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 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: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 colspan="3" style="border-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 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 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 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: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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">82&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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%">3,544,112&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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="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%">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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;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%">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 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: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 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%">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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">1,815&#160;</span></td><td style="background-color:#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: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%">69,525&#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 loan 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%">(4,077)</span></td><td style="background-color:#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: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%">(1,165,335)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 loans held for investment portfolio, 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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,954&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;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"/></tr><tr><td colspan="3" 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 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 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 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:9pt;font-weight:400;line-height:100%">% of total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 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: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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:54pt;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; Loans for customers still attending school and who are not yet required to make payments on the loans. </span></div><div style="padding-left:54pt;padding-right:40.5pt;text-indent:-9pt"><span><br/></span></div><div style="padding-left:54pt;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">(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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="padding-left:36pt;padding-right:22.5pt"><span><br/></span></div><div><span><br/></span></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 style="width:41.319%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.606%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.932%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.090%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.319%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.090%"/><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:11.319%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.090%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.935%"/><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, 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: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 colspan="3" style="border-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 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: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 colspan="3" style="border-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 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 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 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: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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">81&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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%">3,582,475&#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: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%">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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;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 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%">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 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: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 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%">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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">63,475&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-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 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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 loan 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%">(1,355,844)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 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: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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-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"/></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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">735,208&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;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 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%">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"/></tr><tr><td colspan="3" 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 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 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 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:9pt;font-weight:400;line-height:100%">% of total</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 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: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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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="margin-top:4.5pt;padding-left:54pt;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%">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 COVID-19 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. </span></div><div style="padding-left:22.5pt;padding-right:22.5pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:4.5pt;padding-left:54pt;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">(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.</span></div><div style="margin-top:4.5pt;padding-left:54pt;padding-right:40.5pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:4.5pt;padding-left:54pt;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">(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 (but, for purposes of the table, do not include those loans while they are in forbearance). </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     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><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 style="width:26.125%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.672%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.083%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.672%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.880%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.672%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.083%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.672%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.055%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.370%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.734%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.886%"/><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, (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%">2024</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%">2023</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%">2022</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%">21,121,545&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">98&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,039,701&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">97&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,576,737&#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 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%">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></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%">413,338&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">574,218&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">662,194&#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: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"/></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 #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,534,883&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">21,613,919&#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%">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 style="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%">21,238,931&#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%">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 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">.</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:70.000%"><tr><td style="width:1.0%"/><td style="width:40.765%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.792%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.749%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.387%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.987%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.792%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.528%"/><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, 2024<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%">&#160;Private<br/>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%">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%">Total Loans<br/>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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,772,293&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">534,064&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">20,306,357&#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%">Acquisitions and originations:</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%">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%">6,629,205&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">6,629,205&#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%">435,025&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">435,025&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 acquisitions and originations</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%">7,064,230&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">7,064,230&#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%">Capitalized interest and deferred origination cost premium amortization</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">602,825&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,796&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">619,621&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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="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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,430,920)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(3,430,920)</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%">Loan consolidations to third parties</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(806,908)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(45,467)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(852,375)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(100,815)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,667&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(96,148)</span></td><td style="background-color:#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%">Transfer to 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%">(466,168)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(466,168)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Repayments and 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%">(2,198,547)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(43,892)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,242,439)</span></td><td style="background-color:#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%">Ending balance</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,902,158&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">20,902,158&#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-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:70.000%"><tr><td style="width:1.0%"/><td style="width:40.765%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.792%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.749%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.387%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.987%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.792%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.528%"/><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, 2023<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%">&#160;Private<br/>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%">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%">Total Loans<br/>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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,019,713&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">607,155&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">19,626,868&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#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%">5,760,434&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">5,760,434&#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%">665,987&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">665,987&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 acquisitions and originations</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%">6,426,421&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">6,426,421&#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%">Capitalized interest and deferred origination cost premium amortization</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">597,480&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,584&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">620,064&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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="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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,938,616)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(2,938,616)</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%">Loan consolidations to third parties</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(975,889)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(32,855)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,008,744)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,526&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,223)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,303&#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%">Repayments and 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%">(2,375,342)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(61,597)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,436,939)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Ending balance</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,772,293&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">534,064&#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%">20,306,357&#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><br/></span></div><div><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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">56</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><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 style="width:34.421%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.641%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.893%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.146%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.852%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.641%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.852%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.641%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.613%"/><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, 2022 <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%">&#160;Private<br/>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%">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%">Credit<br/>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 Loans<br/>Held for<br/>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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">692,954&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">22,955&#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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#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%">4,189,269&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">4,189,269&#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%">1,809,301&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">82,819&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,892,120&#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%">Total acquisitions and originations</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%">5,998,570&#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 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%">82,819&#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 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%">6,081,389&#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%">Capitalized interest and deferred origination cost premium amortization</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">550,474&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,642&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(195)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">574,921&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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="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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,136,302)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(3,136,302)</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,384,950)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(61,529)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(1,446,479)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(194,654)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(191,740)</span></td><td style="background-color:#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%">Transfer to 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%">(28,905)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(28,905)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Repayments and 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%">(2,438,799)</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(49,545)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(78,955)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,567,299)</span></td><td style="background-color:#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%">Ending balance</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%">19,019,713&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">607,155&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">19,626,868&#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-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. The amount of loans in full principal and interest repayment status in our Private Education Loans held for investment portfolio at December&#160;31, 2024 increased by 3.7&#160;percent compared with December&#160;31, 2023, and now totals&#160;42 percent of our Private Education Loans held for investment portfolio at December&#160;31, 2024. The balance of loans held for investment in full principal and interest repayment status was affected in 2024 and 2023 by loan sales.</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, 2024 total 9.1 percent of our Private Education Loans held for investment portfolio in full principal and interest repayment status at December&#160;31, 2024, or 3.9&#160;percent of our total Private Education Loans held for investment portfolio at December&#160;31, 2024, compared with the year-ago period of 11.5&#160;percent of our Private Education Loan held for investment portfolio in full principal and interest repayment status, or 4.9&#160;percent of our total Private Education Loans held for investment portfolio, respectively. While interest rates began to decrease towards the end of 2024, increased interest rates for most of the year led to a decrease in consolidations compared to 2023. 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="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, 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><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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     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><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:88.888%"><tr><td style="width:1.0%"/><td style="width:28.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.581%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.431%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.581%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.150%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.206%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.431%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.050%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.150%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.518%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.431%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.518%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.153%"/><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:8.5pt;font-weight:700;line-height:100%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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 colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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 colspan="3" style="border-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%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,272,414&#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 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&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,166,442&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">1,146,365&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">19&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,331,055&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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%">2,121,112&#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%">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%">1,950,048&#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: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"/></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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,786,821&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,584,545&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,330,719&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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"/></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"/></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%">Graduate 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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">623,033&#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: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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">511,193&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">516,877&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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"/></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%">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">(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: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%">38&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">30,515&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-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:#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 Private Education Loan originations</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,013,323&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">6,383,330&#160;</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&#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%">5,974,524&#160;</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&#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 style="height:24pt"><td colspan="3" 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:#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:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">90.0&#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 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%">87.5&#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 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%">86.0&#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 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%">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">(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%">752&#160;</span></td><td style="background-color:#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="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#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="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">747&#160;</span></td><td style="background-color:#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:6pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;</span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:94.5pt;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%">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 a further discussion. </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:63pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:115%;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:115%">  For the year ended December 31, 2024, the Graduate Loan originations include $32.2 million of Smart Option Loans where the student was in a graduate status. For the year ended December 31, 2023, the Graduate Loan originations include $29.4 million of Smart Option Loans where the student was in a graduate status. For the year ended December 31, 2022, the Graduate Loan originations include $1.8&#160;million of Parent Loans and $29.1 million of Smart Option Loans where the student was in a graduate status. </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:94.5pt;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%">  In December 2021, we discontinued offering our Parent Loan product. Applications for those loans received before the offering termination date were processed, and final disbursements under those loans occurred in February 2023. </span></div><div style="margin-top:3pt;padding-left:45pt;padding-right:94.5pt;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">(4)   </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Represents the higher credit score of the cosigner or the borrower.</span></div><div style="margin-top:4.5pt;padding-left:72pt;padding-right:27pt;text-indent:-13.5pt"><span><br/></span></div><div><span><br/></span></div><div><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-style:italic;font-weight:400;line-height:120%">Private Education Loan Maturitie</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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%">The following table summarizes the remaining maturities of our Private Education Loan portfolio.</span></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"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.722%"><tr><td style="width:1.0%"/><td style="width:33.729%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.038%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.283%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.573%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.283%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.573%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.283%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.573%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.200%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.573%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.292%"/><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, 2024<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%">One year or less</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">After one year to five years</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">After five years to 15 years</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">After 15 years</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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"><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;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%">7,782&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">313,875&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">8,191,111&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,580,614&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">17,093,382&#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%">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%">20,054&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">506,104&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,349,420&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,266,048&#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:9pt;font-weight:400;line-height:100%">5,141,626&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 Private Education 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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,836&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">819,979&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,540,531&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">9,846,662&#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%">22,235,008&#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: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><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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">58</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><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 Loan 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:92.361%"><tr><td style="width:1.0%"/><td style="width:34.238%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.003%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.275%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.551%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.118%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.551%"/><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:10.478%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.003%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.674%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.551%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.772%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.551%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.335%"/><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%">Years Ended 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:7pt;font-weight:700;line-height:100%">2024</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:7pt;font-weight:700;line-height:100%">2023</span></td></tr><tr style="height:30pt"><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%">Private<br/>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: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 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:7pt;font-weight:700;line-height:100%">Total<br/>Portfolio</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%">Private<br/>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: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 colspan="3" style="border-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 style="background-color:#ededee;border-top:1pt 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%">1,335,105&#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 style="background-color:#ededee;border-top:1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">4,667&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">1,339,772&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,353,631&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">3,444&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">1,357,075&#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: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:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">311,787&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="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:7.5pt;font-weight:400;line-height:100%">311,787&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">320,237&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">320,237&#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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less:</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: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 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 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:8pt;font-weight:400;line-height:100%">Charge-offs</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%">(376,840)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(380)</span></td><td style="background-color:#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:7.5pt;font-weight:400;line-height:100%">(377,220)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(420,095)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(1,001)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(421,096)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Write-downs arising from transfer of loans to held for sale</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:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(8,297)</span></td><td style="background-color:#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:7.5pt;font-weight:400;line-height:100%">(8,297)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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"/></tr><tr><td colspan="3" 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%">Plus:</span></td><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"><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 colspan="3" 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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" 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 colspan="3" 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 colspan="3" 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 colspan="3" 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: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:7.5pt;font-weight:400;line-height:100%">44,756&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 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:7.5pt;font-weight:400;line-height:100%">44,756&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">46,368&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">46,368&#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 for loan 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="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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#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, 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:7.5pt;font-weight:400;line-height:100%">357,067&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">4,010&#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="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:7.5pt;font-weight:400;line-height:100%">361,077&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">240,347&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">2,224&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">242,571&#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:7.5pt;font-weight:400;line-height:100%">(235,955)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="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:7.5pt;font-weight:400;line-height:100%">(235,955)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(205,383)</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: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%">(205,383)</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"/><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:8pt;font-weight:400;line-height:100%">Total provisions for loan 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">(3)</span></div></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%">121,112&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">4,010&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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 colspan="2" style="background-color:#ededee;border-top:1pt 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%">125,122&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">34,964&#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 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%">2,224&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">37,188&#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: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-bottom:3pt double #000;border-top:1pt 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-bottom:3pt double #000;border-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%">1,435,920&#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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">1,435,920&#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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,335,105&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">4,667&#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:7.5pt;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:7.5pt;font-weight:400;line-height:100%">1,339,772&#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="margin-top:4.5pt;padding-left:22.5pt;padding-right:22.5pt;text-indent:-9pt"><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:91.250%"><tr><td style="width:1.0%"/><td style="width:23.405%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.865%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.250%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.561%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.966%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.561%"/><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:6.662%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.865%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.489%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.865%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.575%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.561%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.444%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.561%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.662%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.408%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.800%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="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 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%">2022</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:7pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="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 colspan="3" style="border-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 colspan="3" style="border-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 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:7pt;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:7pt;font-weight:700;line-height:100%">Total<br/>Portfolio</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%">Private<br/>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: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 colspan="3" style="border-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 colspan="3" style="border-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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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;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 style="background-color:#ededee;border-top:1pt 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%">1,158,977&#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 style="background-color:#ededee;border-top:1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">4,077&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">2,281&#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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,165,335&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">1,355,844&#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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">4,378&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">1,501&#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 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%">1,361,723&#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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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: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 colspan="2" style="background-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%">344,310&#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: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="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: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%">344,310&#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: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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:7.5pt;font-weight:400;line-height:100%">Less:</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:7.5pt;font-weight:400;line-height:100%">&#160;</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:7.5pt;font-weight:400;line-height:100%">&#160;</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="3" style="background-color:#ededee;padding:0 1pt"/><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"><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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><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:7.5pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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 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 colspan="2" style="background-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%">(427,416)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(613)</span></td><td style="background-color:#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:7.5pt;font-weight:400;line-height:100%">(3,215)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(431,244)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:7.5pt;font-weight:400;line-height:100%">Plus:</span></td><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"><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 colspan="3" 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 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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><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"><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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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 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 colspan="2" style="background-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%">41,737&#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: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="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: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%">41,742&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">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="2" style="background-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%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">29,506&#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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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 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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><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"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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 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:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">410,254&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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)</span></td><td style="background-color:#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:7.5pt;font-weight:400;line-height:100%">3,301&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">413,535&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(233,852)</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:7.5pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">1,124&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(232,708)</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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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 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:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(174,231)</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: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 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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(174,231)</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:7.5pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(66,460)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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 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%">Loans transferred (to) from 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: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"/><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:7.5pt;font-weight:400;line-height:100%">(2,372)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(2,372)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">1,887&#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: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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">1,887&#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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:7.5pt;font-weight:400;line-height:100%">Total provisions for loan losses</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">(3)</span></div></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%">236,023&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">(20)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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 colspan="2" style="background-color:#ededee;border-top:1pt 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%">929&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">236,932&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">(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 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%">20&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">1,124&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">(297,281)</span></td><td 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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:7.5pt;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-bottom:3pt double #000;border-top:1pt 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-bottom:3pt double #000;border-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%">1,353,631&#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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">3,444&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,357,075&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">1,158,977&#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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">4,077&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">2,281&#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:7.5pt;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:7.5pt;font-weight:400;line-height:100%">1,165,335&#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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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: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 Notes to Consolidated Financial Statements, Note 6, &#8220;Allowance for Credit Losses and 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%"> Represents fair value adjustments on loans transferred to held for sale. </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">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#160; See &#8220;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial Condition </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Allowance for Credit Losses </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Provision for Credit Losses&#8221; in this Item 7 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     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><div style="margin-top:4.5pt;padding-left:38.25pt;padding-right:38.25pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:71.666%"><tr><td style="width:1.0%"/><td style="width:32.039%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.156%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.303%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.303%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.303%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.575%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.303%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.575%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.307%"/><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="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><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 Ended 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: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 colspan="3" style="border-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 colspan="3" style="border-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 colspan="3" style="border-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 colspan="3" style="border-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;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 style="background-color:#ededee;border-top:1pt 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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,633&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">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"/></tr><tr><td colspan="3" 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 colspan="2" style="background-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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/></tr><tr><td colspan="3" 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 colspan="2" style="background-color:#ededee;border-top:1pt 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 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%">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 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%">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 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%">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 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%">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"/></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;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#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: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:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">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;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#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 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 colspan="2" style="background-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%">(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="2" style="background-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%">(519)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(39,079)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(119)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(245,043)</span></td><td style="background-color:#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: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">(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%">&#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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(108,534)</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 colspan="2" style="background-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%">(108,534)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Plus:</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 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 colspan="2" style="background-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%">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="2" style="background-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%">4,984&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">29,007&#160;</span></td><td style="background-color:#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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#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:7.5pt;font-weight:400;line-height:100%">Provision, 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:7.5pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">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:7.5pt;font-weight:400;line-height:100%">40,485&#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:7.5pt;font-weight:400;line-height:100%">1,328&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">190,898&#160;</span></td><td style="background-color:#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:7.5pt;font-weight:400;line-height:100%">Loan sale reduction to 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:7.5pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(42,916)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(204,709)</span></td><td style="background-color:#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:7.5pt;font-weight:400;line-height:100%">Loans transferred (to) from 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:7.5pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(205,669)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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:7.5pt;font-weight:400;line-height:100%">Total provisions for loan losses</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">(3)</span></div></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%">(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 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%">412&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">(2,431)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">1,328&#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:7.5pt;font-weight:400;line-height:100%">(219,480)</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:7.5pt;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-bottom:3pt double #000;border-top:1pt 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">4,378&#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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">1,501&#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:7.5pt;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:7.5pt;font-weight:400;line-height:100%">1,361,723&#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:4.5pt;padding-left:90pt;padding-right:72pt;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 Notes to Consolidated Financial Statements, Note 6, &#8220;Allowance for Credit Losses and 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:90pt;padding-right:72pt;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%"> Represents fair value adjustments on loans sold.</span></div><div style="margin-top:4.5pt;padding-left:90pt;padding-right:72pt;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%">&#160;See &#8220;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial Condition </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Allowance for Credit Losses </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Provision for Credit Losses&#8221; in this Item 7 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-right:3.6pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-right:3.6pt;text-indent:-9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Provision for Credit Losses </span></div><div><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%">Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:6pt;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.361%"><tr><td style="width:1.0%"/><td style="width:37.847%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.454%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.877%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.551%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.877%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.852%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.328%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.401%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.478%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.852%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.883%"/><td style="width:0.1%"/></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:7pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</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"/></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, <br/>(dollars in thousands)</span></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%">2024</span></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%">2023</span></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%">2022</span></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%">2021</span></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%">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 colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#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%">121,112&#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 style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">34,964&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">236,023&#160;</span></td><td style="background-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:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(298,425)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">283,393&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">308,275&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">396,521&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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%">404,505&#160;</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%">343,239&#160;</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%">632,544&#160;</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%">(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 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%">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><td colspan="3" 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%">Other impacts to the provisions for credit losses:</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 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:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#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%">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%">4,010&#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:7pt;font-weight:400;line-height:100%">2,224&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#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%">&#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: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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">929&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#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%">4,010&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">2,224&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">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"/><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%">1,144&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">(691)</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 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%">408,515&#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 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:7pt;font-weight:400;line-height:100%">345,463&#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 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%">633,453&#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 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%">(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"/><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:7pt;font-weight:400;line-height:100%">93,133&#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="height:54pt;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%">2024 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%">60</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><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:4.5pt;padding-left:162pt;padding-right:22.5pt;text-indent:-9pt"><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 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, 2024, 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;42 percent of our total Private Education Loans held for investment portfolio at December&#160;31, 2024, compared with 43 percent at December 31, 2023.</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; Critical Accounting Policies and Estimates &#8212; Allowance for Credit Losses&#8221; in this Item 7 and Notes to Consolidated Financial Statements, Note 5, &#8220;Loans Held for Investment &#8212; Certain Collection Tools &#8212; Private Education Loans&#8221; in this Form 10-K.  </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     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><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). </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 style="width:35.011%"/><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:11.122%"/><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:5.983%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.050%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.705%"/><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:6.538%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.050%"/><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:1.050%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.376%"/><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%">Private Education Loans Held for Investment</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%">2024</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%">2023</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%">2022</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, (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%">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%">%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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 colspan="3" style="border-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 colspan="3" style="border-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 colspan="3" style="border-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)</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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,722,827&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,291,991&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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:2px 1pt;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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,895,053&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#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"><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">(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%">405,430&#160;</span></td><td style="background-color:#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%">324,039&#160;</span></td><td style="background-color:#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"><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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">279,085&#160;</span></td><td style="background-color:#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%">Loans in repayment and percentage of each status:</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:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#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 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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,513,333&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96.3&#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%">14,809,271&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96.1&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,559,347&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96.2&#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">(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:9pt;font-weight:400;line-height:100%">310,748&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-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&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">298,751&#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%">1.9&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">287,308&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-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&#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: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">(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:9pt;font-weight:400;line-height:100%">140,735&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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%">151,017&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.0&#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%">147,505&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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: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">(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:9pt;font-weight:400;line-height:100%">141,935&#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:9pt;font-weight:400;line-height:100%">0.9&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">150,775&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.0&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">135,390&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#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 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 colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,106,751&#160;</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%">15,409,814&#160;</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%">15,129,550&#160;</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:#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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,235,008&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,025,844&#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 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:2px 1pt;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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,303,688&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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:2px 1pt;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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">103,070&#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="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%">81,554&#160;</span></td><td style="background-color:#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"><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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69,656&#160;</span></td><td style="background-color:#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"><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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,338,078&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,107,398&#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 colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,373,344&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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:2px 1pt;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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,435,920)</span></td><td style="background-color:#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%">(1,335,105)</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="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,353,631)</span></td><td style="background-color:#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"><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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,902,158&#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 colspan="3" style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,772,293&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,019,713&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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:2px 1pt;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%">Percentage of loans in repayment</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="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%">72.4&#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 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 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%">73.3&#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 colspan="3" style="background-color:#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="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%">74.5&#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:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Delinquencies as a percentage of 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: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 colspan="2" style="background-color:#ededee;border-top: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%">3.7&#160;</span></td><td style="background-color:#ededee;border-top: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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="2" style="background-color:#ededee;border-top: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%">3.9&#160;</span></td><td style="background-color:#ededee;border-top: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top: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%">3.8&#160;</span></td><td style="background-color:#ededee;border-top: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><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 in forbearance:</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;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;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;border-top:3pt double #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Percentage of loans in an extended grace period</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="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.6&#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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-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:#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"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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"><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="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Percentage of loans in hardship and other forbearances</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:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;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%">0.9&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;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;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000000;border-top: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%">1.0&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top: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 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 #000000;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%">1.1&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000000;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 style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</span></div><div style="margin-top:9pt;padding-left:20.25pt;padding-right:18pt;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:20.25pt;padding-right:18pt;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:20.25pt;padding-right:18pt;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="margin-top:9pt;padding-left:20.25pt;padding-right:18pt;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">We calculate the percentage of loans in an extended grace period as the ratio of (a) Private Education Loans in forbearance in an extended grace period numerator to (b) Private Education Loans in repayment and forbearance denominator. An extended grace period aligns with The Office of the Comptroller of the Currency definition of an additional, consecutive, one-time period during which no payment is required for up to six months after the initial grace period. We typically grant this extended grace period to customers who may be having difficulty finding employment before the full principal and interest repayment period starts or once it has begun. Loans in forbearance in an extended grace period were approximately $253 million, $168 million, and $114 million at December 31, 2024, 2023, and 2022, respectively. See &#8220;&#8212;Financial Condition &#8212; Allowance for Credit Losses &#8212; Use of Forbearance and Modifications as a Private Education Loan Collection Tool&#8221; in this Item 7 for additional details.</span></div><div style="margin-top:9pt;padding-left:20.25pt;padding-right:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.55pt;font-weight:400;line-height:112%;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:112%;padding-left:12.45pt">We calculate the percentage of loans in hardship and other forbearances as the ratio of (a) Private Education Loans in hardship and other forbearances (excluding loans in an extended grace period) numerator to (b) Private Education Loans in repayment and forbearance denominator. 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, which may include a short-term hardship forbearance. Loans in hardship and other forbearances (excluding loans in an extended grace period) were approximately $152&#160;million, $156 million, and $165 million at December 31, 2024, 2023, and 2022, respectively. See &#8220;&#8212;Financial Condition &#8212; Allowance for Credit Losses &#8212; Use of Forbearance and Modifications as a Private Education Loan Collection Tool&#8221; in this Item 7 for additional details.</span></div><div><span><br/></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 style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Delinquencies as a percentage of Private Education Loans (held for investment) in repayment decreased to 3.7&#160;percent at December&#160;31, 2024 from 3.9&#160;percent at December&#160;31, 2023. The decrease in the delinquency metric in 2024 compared with 2023 was primarily attributable to the new loan modification programs. See &#8220;&#8212;Financial Condition &#8212; Allowance for Credit Losses &#8212; Use of Forbearance and Modifications as a Private Education Loan Collection Tool&#8221; in this </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">62</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><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Item 7 for additional details.  The percentage of loans in an extended grace forbearance increased to 1.6 percent at December&#160;31, 2024 from 1.1 percent at December&#160;31, 2023. The increase was primarily due to borrowers being eligible to receive up to six months of extended grace forbearance in one increment instead of multiple instances of two-month increments, coupled with our continued efforts to better match our available program offerings to the financial needs of our borrowers. The percentage of loans in hardship and other forbearances remained relatively consistent at 0.9 percent and 1.0 percent, respectively, at December&#160;31, 2024 and December&#160;31, 2023.</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:112%">The increase in delinquencies at December 31, 2023, compared with 2022, was primarily attributable to loan modification programs initiated in the fourth quarter of 2023 that required borrowers to remain in their respective delinquency buckets until three consecutive payments were made under the modified loan terms before being brought current (if re-age eligible). The increase in the percentage of loans in an extended grace period at December&#160;31, 2023 compared with 2022 was primarily due to borrowers being eligible to receive up to six months of extended grace forbearance in one increment instead of multiple instances of two-month increments, beginning in September 2023. The percentage of loans in hardship and other forbearances remained relatively consistent at 1.0 percent and 1.1 percent, respectively at December&#160;31, 2023 and December 31, 2022.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     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><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 and the allowance for unfunded loan commitments. </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#160;</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"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.166%"><tr><td style="width:1.0%"/><td style="width:35.920%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.832%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.699%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.699%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.699%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.699%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.537%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.704%"/><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:7.5pt;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:7.5pt;font-weight:700;line-height:100%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7.5pt;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:7.5pt;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:#144f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Allowance for loan losses, beginning balance</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: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%">1,335,105&#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 style="background-color:#ededee;border-top:1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,353,631&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">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 style="background-color:#ededee;border-top:1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,355,844&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">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"/></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%">Day 1 adjustment for adoption of CECL</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;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%">Balance at January 1</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:7.5pt;font-weight:400;line-height:100%">1,335,105&#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:7.5pt;font-weight:400;line-height:100%">1,353,631&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">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="2" style="background-color:#ededee;border-top:1pt 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 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%">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"/></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%">Transfer from allowance for unfunded loan commitments</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 colspan="2" style="background-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%">311,787&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">320,237&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">344,310&#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: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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/></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:</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:7.5pt;font-weight:400;line-height:100%">Provision for 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:7.5pt;font-weight:400;line-height:100%">357,067&#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:7.5pt;font-weight:400;line-height:100%">240,347&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">410,254&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(233,852)</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:7.5pt;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"/></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%">Loan sale reduction to 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:7.5pt;font-weight:400;line-height:100%">(235,955)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(205,383)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(174,231)</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:7.5pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(161,793)</span></td><td style="background-color:#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:7.5pt;font-weight:400;line-height:100%">Loans transferred (to) from 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: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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">1,887&#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:7.5pt;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"/></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="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Total provisions</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:#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%">121,112&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">34,964&#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 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%">236,023&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">(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 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%">(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"/></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%">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 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%">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:7.5pt;font-weight:400;line-height:100%">(376,840)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(420,095)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(427,416)</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 colspan="2" style="background-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%">(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="2" style="background-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%">(205,326)</span></td><td style="background-color:#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:7.5pt;font-weight:400;line-height:100%">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:7.5pt;font-weight:400;line-height:100%">44,756&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">46,368&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">41,737&#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:7.5pt;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="2" style="background-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%">24,021&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;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%">Net charge-offs</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:7.5pt;font-weight:400;line-height:100%">(332,084)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">(373,727)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">(385,679)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">(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;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%">(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"/></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:7.5pt;font-weight:700;line-height:100%">Allowance for loan losses, ending balance</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:7.5pt;font-weight:400;line-height:100%">1,435,920&#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:7.5pt;font-weight:400;line-height:100%">1,335,105&#160;</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:7.5pt;font-weight:400;line-height:100%">1,353,631&#160;</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:7.5pt;font-weight:400;line-height:100%">1,158,977&#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 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:7.5pt;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"/></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:#144f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:700;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 colspan="2" style="background-color:#ededee;border-top:1pt 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%">112,962&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">124,924&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">72,713&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">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:7.5pt;font-weight:400;line-height:100%">2,481&#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 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%">Day 1 adjustment for adoption of CECL</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">115,758&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;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%">Balance at January 1</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:7.5pt;font-weight:400;line-height:100%">112,962&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">124,924&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">72,713&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">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:7.5pt;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"/></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%">Provision</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)(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:7.5pt;font-weight:400;line-height:100%">283,393&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">308,275&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">396,521&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">264,324&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">312,613&#160;</span></td><td style="background-color:#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:7.5pt;font-weight:400;line-height:100%">Transfer to allowance for loan 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:7.5pt;font-weight:400;line-height:100%">(311,787)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(320,237)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(344,310)</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:7.5pt;font-weight:400;line-height:100%">(301,655)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(320,808)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;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:7.5pt;font-weight:700;line-height:100%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:700;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(1)</span></div></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:7.5pt;font-weight:400;line-height:100%">84,568&#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 colspan="2" style="background-color:#ffffff;border-top:1pt 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%">112,962&#160;</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:7.5pt;font-weight:400;line-height:100%">124,924&#160;</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:7.5pt;font-weight:400;line-height:100%">72,713&#160;</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:7.5pt;font-weight:400;line-height:100%">110,044&#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;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%">Total allowance for credit losses, ending balance</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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,520,488&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">1,448,067&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,478,555&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">1,231,690&#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 style="background-color:#ededee;border-top:1pt 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%">1,465,888&#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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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;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:7.5pt;font-weight:400;line-height:100%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest receivable</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: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:7.5pt;font-weight:400;line-height:100%">5.83&#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:7.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><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:7.5pt;font-weight:400;line-height:100%">5.89&#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:7.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><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:7.5pt;font-weight:400;line-height:100%">6.30&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><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:7.5pt;font-weight:400;line-height:100%">5.20&#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:7.5pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><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:7.5pt;font-weight:400;line-height:100%">6.49&#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:7.5pt;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"/></tr><tr><td colspan="3" 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%">Allowance for loan losses 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:7.5pt;font-weight:400;line-height:100%">4.32&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">3.57&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">3.51&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">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="2" style="background-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%">7.48&#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:7.5pt;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:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;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:7.5pt;font-weight:400;line-height:100%">2.19&#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:7.5pt;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:7.5pt;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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;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:7.5pt;font-weight:400;line-height:100%">2.55&#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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;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:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;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:7.5pt;font-weight:400;line-height:100%">3.68&#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:7.5pt;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:7.5pt;font-weight:400;line-height:100%">3.90&#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:7.5pt;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:7.5pt;font-weight:400;line-height:100%">3.77&#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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;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:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;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:7.5pt;font-weight:400;line-height:100%">2.46&#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:7.5pt;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:7.5pt;font-weight:400;line-height:100%">2.06&#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:7.5pt;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:7.5pt;font-weight:400;line-height:100%">1.81&#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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;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:7.5pt;font-weight:400;line-height:100%">22,235,008&#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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">21,025,844&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;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%">20,303,688&#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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">20,716,863&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;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%">19,729,337&#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:7.5pt;font-weight:400;line-height:100%">Average loans in repayment</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">(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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">15,139,184&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">15,310,934&#160;</span></td><td style="background-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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">15,103,123&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">15,518,851&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:4.87pt;font-weight:400;line-height:100%;position:relative;top:-2.62pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">16,106,751&#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 style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">15,409,814&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;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%">15,129,550&#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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">15,511,212&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;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%">14,304,821&#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:7.5pt;font-weight:400;line-height:100%">Unfunded loan commitments</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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">2,311,660&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">2,221,077&#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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,995,808&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">1,776,976&#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 style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,673,018&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">Total accrued interest receivable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">1,549,415&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,354,565&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;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%">1,177,562&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">1,187,123&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">1,168,895&#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"/></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></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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet.  See Notes to Consolidated Financial Statements, Note 6, &#8220;Allowance for Credit Losses and 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.</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%">See &#8220;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial Condition </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Allowance for Credit Losses </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8212;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> Provision for Credit Losses&#8221; in this Item 7 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</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%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left:45pt;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">(4)  </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="margin-top:3pt;padding-left:45pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:45pt;text-indent:-9pt"><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%">As part of concluding on the adequacy of the allowance for credit losses, we review key allowance and loan metrics. The most significant of the metrics considered are the allowance coverage of net charge-offs ratio; the allowance as a percentage of ending total loans plus unfunded loan commitments and total accrued interest receivable; and delinquency and forbearance percentages. </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">64</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><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%">Charge-offs decreased in the year ended December 31, 2024 compared with the year-ago period primarily due to the new loan modification programs implemented throughout the full year 2024. Charge-offs decreased in the year ended December 31, 2023 compared with the year ended December 31, 2022 because of a combination of factors, including improved staffing levels and the impact of the new loan modification programs begun in the fourth quarter of 2023. In the fourth quarter of 2022, we charged off $13 million of delinquent loans that had received certain grants of forbearance under previous credit administration practices (which have been discontinued) and which were classified as a loss and charged off prior to their reaching 120 days delinquent.</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:400;line-height:120%">Use of Forbearance and Modifications as a Private Education Loan Collection Tool</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </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 the last few years, we have made significant changes to our credit administration practices, enhancing our loss mitigation programs through both our forbearance and loan modification offerings.</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%">We adjust the terms of loans for certain borrowers when we believe such changes will help our borrowers manage their student loan obligations and 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 or permanent interest rate reduction, a temporary or permanent interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment or interest-only 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%">Forbearance allows a borrower to not make scheduled payments for a specified period of time. Our forbearance policies and practices vary depending upon whether a borrower is current or delinquent at the time forbearance is requested, generally with stricter requirements for delinquent borrowers. 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:120%">During the first six months following a borrower&#8217;s grace period, the borrower may be eligible for extended grace forbearance, which provides temporary payment relief to give the borrower additional time to be in a position to make regular principal and interest 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%">Hardship forbearance may be granted in order to provide temporary payment relief to borrowers who are either current in their payments but demonstrate a need for relief, or who are delinquent in their payments but demonstrate an ability and willingness to repay their obligation.</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 these circumstances, a borrower&#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, for borrowers who were current when they entered forbearance, or those who were delinquent but met specific payment requirements curing their delinquency, the borrower will enter repayment status as current.</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 all instances, the borrowers are expected to begin making scheduled monthly payments at the end of their forbearance periods.</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%">This strategy is aimed at assisting borrowers while mitigating the risks of delinquency and default as well as encouraging resolution of delinquent loans.</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%">Disaster forbearance is used to assist borrowers affected by material events, typically federally-declared disasters, including hurricanes, wildfires, floods, and pandemics. 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%">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 extended grace forbearance is typically granted in one six-month increment and disaster forbearance and certain other limited instances 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 extended grace forbearances 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:120%">For borrowers experiencing more severe hardship, following evaluation of their ability and willingness to repay, we currently use modification programs tailored to the financial condition of the individual borrower.</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%">Pursuant to our modification programs, we may reduce the contractual interest rate on a loan to a rate between 2 percent and 8 percent </span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     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><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">for a temporary period of two to four years, and in some instances may also permanently extend the final maturity of the loan. For borrowers experiencing the most severe financial conditions, we may permanently reduce the contractual interest rate on a loan to 2 percent for the remaining life of the loan and also permanently extend the final maturity of the loan. Following modification, borrowers who are delinquent but meet specific payment requirements curing their delinquency will be brought current. We currently limit the granting of a permanent extension of the final maturity date of a loan to once over the life of the loan, and the number of interest rate reductions to twice over the life of the loan. </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 continually 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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Delinquency Trends by Active Repayment Status</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 percentage of loans in forbearance status generally decreases the longer the loans have been in active repayment status. At December&#160;31, 2024, 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 1.9&#160;percent. Approximately 77 percent of our Private Education Loans (held for investment) in forbearance status have been in active repayment status fewer than 25&#160;months.</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 style="width:27.578%"/><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:0.550%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.758%"/><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:0.550%"/><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:0.550%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.758%"/><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:8.960%"/><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:10.169%"/><td style="width:0.1%"/></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, 2024<br/>(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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;Aged by Number of Months in Active Repayment Status</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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 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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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"/></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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,723&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,723&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">405&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Loans in repayment&#160;- current</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,497&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,585&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,230&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,518&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,683&#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: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%">15,513&#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 in repayment&#160;- delinquent 30-59&#160;days</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">78&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">90&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">311&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Loans in repayment&#160;- delinquent 60-89&#160;days</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">141&#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 in repayment&#160;- 90&#160;days or greater past due</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">142&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,899&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,757&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,358&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">1,610&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,888&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,723&#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 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%">22,235&#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%">Deferred origination costs and unamortized premium/(discount)</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:2px 1pt;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 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 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 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 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 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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;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 loan losses</span></td><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"><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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,436)</span></td><td style="background-color:#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 Private Education Loans, net</span></td><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"><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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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"><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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 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%">20,902&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;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%">&#160;</span></td><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"><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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 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 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%">1.50&#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 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%">0.40&#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 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%">0.23&#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 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%">0.14&#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 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%">0.19&#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 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 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%">2.46&#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="height:54pt;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%">2024 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%">66</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><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 style="width:27.578%"/><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:0.550%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.758%"/><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:0.550%"/><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:0.550%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.758%"/><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:8.960%"/><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:10.169%"/><td style="width:0.1%"/></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, 2023<br/>(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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;Aged by Number of Months in Active Repayment Status</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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 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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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"/></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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,292&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,292&#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%">Loans in forbearance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">190&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">324&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Loans in repayment&#160;- current</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,129&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,529&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,183&#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%">1,472&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,496&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">14,809&#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 in repayment&#160;- delinquent 30-59&#160;days</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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%">84&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">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:#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">151&#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 in repayment&#160;- 90&#160;days or greater past due</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">151&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,482&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,697&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,306&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">1,558&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,691&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,292&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">21,026&#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%">Deferred origination costs and unamortized premium/(discount)</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:2px 1pt;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 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 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 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 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 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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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 loan losses</span></td><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"><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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,335)</span></td><td style="background-color:#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 Private Education Loans, net</span></td><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"><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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 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%">19,772&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;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%">&#160;</span></td><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"><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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 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 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%">1.21&#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 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%">0.35&#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 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%">0.19&#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 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 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%">0.18&#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 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 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%">2.06&#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="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 style="width:27.578%"/><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:0.550%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.758%"/><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:0.550%"/><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:0.550%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.758%"/><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:8.960%"/><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:10.169%"/><td style="width:0.1%"/></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, 2022<br/>(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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;Aged by Number of Months in Active Repayment Status</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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 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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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"/></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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,895&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">4,895&#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%">Loans in forbearance</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">279&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Loans in repayment&#160;- current</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,131&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,393&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,129&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-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&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,303&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">14,559&#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: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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">148&#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 in repayment&#160;- 90&#160;days or greater past due</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">136&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,460&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,551&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,239&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,684&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,475&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">4,895&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">20,304&#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%">Deferred origination costs and unamortized premium/(discount)</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:2px 1pt;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 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 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 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 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 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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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 loan losses</span></td><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"><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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-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)</span></td><td style="background-color:#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 Private Education Loans, net</span></td><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"><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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 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%">19,020&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;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%">&#160;</span></td><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"><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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 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 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%">1.07&#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 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 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%">0.17&#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 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%">0.12&#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 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%">0.17&#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 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 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%">1.81&#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><span><br/></span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     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><div><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, 2024 and 2023. </span></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"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:67.638%"><tr><td style="width:1.0%"/><td style="width:28.263%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.442%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:15.327%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.826%"/><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:13.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.826%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.175%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.826%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.331%"/><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, 2024 (dollars in thousands)</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="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: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 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: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 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%">Other</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 colspan="3" style="border-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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,273,952&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,466,915&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">365,884&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">16,106,751&#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%">$ in total</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="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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,710,266&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,067,468&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">457,274&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,235,008&#160;</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: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"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:67.638%"><tr><td style="width:1.0%"/><td style="width:28.263%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.442%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:15.327%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.826%"/><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:13.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.826%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.175%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.826%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.331%"/><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, 2023 (dollars in thousands)</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="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: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 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: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 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%">Other</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 colspan="3" style="border-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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,747,153&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,243,129&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">419,532&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">15,409,814&#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%">$ in total</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="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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,764,200&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,750,814&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">510,830&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">21,025,844&#160;</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:4.5pt;text-align:center"><span><br/></span></div><div style="margin-top:4.5pt;padding-left:108pt;padding-right:81pt;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%">Other includes our Parent Loan and Career training loan products.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </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 continued to be processed, and final disbursements under those loans occurred in February 2023. In May 2022, we discontinued offering our Career Training loan product. Applications for those loans received before the offering termination date continued to be processed, and final disbursements under those loans occurred in September 2023. </span></div><div style="margin-top:4.5pt;padding-left:108pt;padding-right:81pt;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 (but, for purposes of the table, do not include those loans while they are in forbearance).</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><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%">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. The table also discloses the amount of accrued interest on loans 90 days or 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 to the balance of the loans when the borrower exits the grace period after separation from school. The allowance for credit losses considers both the collectibility of principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. </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 style="width:37.465%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.369%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.734%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.921%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.061%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.921%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.529%"/><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: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 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%">(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%">Total Interest 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 or 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: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&#160;for</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%">Uncollectible</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</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%">December 31, 2024</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%">1,549,415&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,420&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">12,366&#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%">December 31, 2023</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,354,565&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">8,373&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,897&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">1,177,562&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,609&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,121&#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%">December 31, 2021</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,187,123&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,635&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,937&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">December 31, 2020</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">1,168,895&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,354&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:4.5pt;padding-left:126pt;padding-right:108pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)  The allowance for uncollectible interest at December 31, 2024, 2023, 2022, 2021, and 2020 represents the expected losses related to the portion of accrued interest receivable on those loans that are in repayment (at December 31, 2024, 2023, 2022, 2021, and 2020, relates to $164&#160;million, $151&#160;million, $240&#160;million, $240&#160;million, and $196&#160;million, respectively, of accrued interest receivable) that is/was not expected to be capitalized. The accrued interest receivable that is/was expected to be capitalized ($1.4 billion, $1.2 billion, $937&#160;million, $947&#160;million, and $973&#160;million, respectively, at December 31, 2024, 2023, 2022, 2021, and 2020) is/was reserved for in the allowance for credit losses. </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">68</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_64"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></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:8pt"><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 our ability to meet any outflows of our Bank deposits. To achieve these objectives, we analyze and monitor our liquidity needs, and maintain excess liquidity and access to diverse funding sources, such as deposits at the Bank, issuance of secured debt primarily through asset-backed securitizations, other financing facilities, and loan sales.</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%">At December 31, 2024 and December 31, 2023, our sources of liquidity included liquid investments with unrealized losses of $105.8 million and $128.9 million, respectively. It is our policy to manage operations so liquidity needs are fully satisfied through normal operations to avoid unplanned loan or liquid investment 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. 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. We hold a significant liquidity buffer of cash and securities, which we expect to maintain through 2025. 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:78.333%"><tr><td style="width:1.0%"/><td style="width:52.800%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.686%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.261%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.686%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.261%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.041%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.265%"/><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, <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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2022</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 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 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 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%">Unrestricted cash and liquid investments:</span></td><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"><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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 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%">Holding Company and other non-bank subsidiaries</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%">3,745&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,224&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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"><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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,696,621&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,146,614&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,617,533&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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="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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,361,431&#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%">1,988,295&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,012,901&#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 unrestricted cash and liquid investments</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,061,797&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">6,138,133&#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%">6,630,434&#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: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><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:78.611%"><tr><td style="width:1.0%"/><td style="width:52.610%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.683%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.210%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.215%"/><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2022</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 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 colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#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%">Unrestricted cash and liquid investments:</span></td><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"><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 colspan="3" style="background-color:#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%">Holding Company and other non-bank subsidiaries</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%">8,698&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,827&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,954&#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="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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,504,167&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,014,444&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,080,312&#160;</span></td><td style="background-color:#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%">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%">1,647,113&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,975,754&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,230,118&#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 unrestricted cash and liquid investments</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,159,978&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,997,025&#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%">6,318,384&#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="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><br/></span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     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><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 style="width:56.010%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.928%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.893%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.928%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.541%"/><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, <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%">2024</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:8.5pt;font-weight:700;line-height:100%">2023</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%">21,066,752&#160;</span></td><td 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%">21,651,657&#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%">1,816&#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%">1,531&#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:#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%">21,068,568&#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="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%">21,653,188&#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 $21.1 billion were comprised of $9.5 billion in brokered deposits and $11.6 billion in retail and other deposits at December 31, 2024, compared with total deposits of $21.7 billion, which were comprised of $10.3 billion in brokered deposits and $11.4 billion in retail and other deposits, at December 31, 2023.</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, 2024 and 2023 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 also include deposits from Educational 529 and Health Savings plans that diversify our funding sources and that we consider to be core. These and other large omnibus accounts, aggregating the deposits of many individual depositors, represented $7.0&#160;billion of our deposit total as of December 31, 2024, compared with $7.6&#160;billion at December 31, 2023. The omnibus accounts are structured in such a way that entitles the individual depositor pass-through deposit insurance (subject to FDIC rules and limitations), and the majority of these deposits have contractual minimum balances and maturity terms.</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 $11 million, $12 million, and $13 million in the years ended December&#160;31, 2024, 2023, and 2022, respectively. Fees paid to third-party brokers related to brokered CDs were $8 million, $8 million, and $13 million during the years ended December&#160;31, 2024, 2023, and 2022, 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%">Interest-bearing deposits at December&#160;31, 2024 and 2023 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 style="width:37.445%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.072%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.718%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.627%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.711%"/><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%">2024</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%">2023</span></td><td colspan="3" style="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: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%">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: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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 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"/></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"/><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"><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%">9,582,290&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.27&#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: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%">10,258,292&#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%">4.85&#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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%">944,034&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.02&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">945,000&#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%">4.35&#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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">10,540,428&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.20&#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%">10,448,365&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.69&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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:#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%">21,066,752&#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%">21,651,657&#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"/></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, 2024 and 2023, there were $567 million and $478 million, respectively, of deposits exceeding FDIC insurance limits. Accrued interest on deposits was $92 million and $91 million at December 31, 2024 and 2023, respectively.</span></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 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%">2024 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%">70</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><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 Federal Reserve Bank of San Francisco (the &#8220;FRB&#8221;) 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 to the counterparty 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&#160;31, 2024, $850 million notional of our derivative contracts were cleared on the CME and $71 million were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent 92.3 percent and 7.7 percent, respectively, of our total notional derivative contracts of $921 million at December&#160;31, 2024.</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&#160;31, 2024 was $(22) million and $(1) 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 to the counterparty 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, 2024 and 2023, we had a net positive exposure (derivative gain/loss positions to us, less collateral held by us and plus collateral posted with counterparties) related to derivatives of $5 million and $9 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%">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><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:120%">The table below highlights exposure related to our derivative counterparties as of December&#160;31, 2024.</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 style="width:67.132%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.365%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:29.103%"/><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, 2024 <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%">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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,839&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,839&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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 style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     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><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 position. 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"><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 2025. As of December&#160;31, 2024, 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. 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:4.5pt;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:4.5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">In July 2023, the federal banking agencies proposed a rule to implement significant changes to the U.S. Basel Ill regulatory capital requirements. The proposed changes to the regulatory capital requirements generally would amend or introduce approaches and methodologies that would apply to banking organizations with total consolidated assets of $100 billion or more or to banking organizations with significant trading activity. The proposed rule therefore would not affect the Bank's capital requirements or the calculation of its capital ratios.</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%">Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopted</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, could 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 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.  On each of January 1, 2022, 2023, and 2024, 25 percent of the adjusted transition amounts was phased in for regulatory capital purposes. On January 1, 2025, the remaining 25 percent of the adjusted transition amounts was phased in for regulatory capital purposes, with the phased-in amounts included in regulatory capital at the beginning of the 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 </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">72</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><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">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:115%">At December&#160;31, 2024, the adjusted transition amounts that were deferred and are being phased in for regulatory capital purposes are as follows: </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:97.500%"><tr><td style="width:1.0%"/><td style="width:18.415%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.797%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.572%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.797%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.711%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.797%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.711%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.512%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.857%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.369%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.862%"/><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:2px 1pt;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<br/>Transition Amounts</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Phase-In<br/>Amounts for the Year Ended</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Phase-In<br/>Amounts for the Year Ended</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Phase-In<br/>Amounts for the Year Ended</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Remaining Adjusted Transition Amounts to be Phased-In</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%">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%">December 31, 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2024</span></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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:9pt;font-weight:400;line-height:100%">Retained 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%">836,351&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(209,088)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(209,088)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(209,088)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">209,087&#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%">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%">1,038,145&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">259,537&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%">Liability for unfunded 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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26,094)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26,094)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26,095)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,094&#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%">Deferred tax asset</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(76,542)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(76,542)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(76,543)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,544&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></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 Bank&#8217;s required and actual regulatory capital amounts and ratios, including applicable capital conservation buffers, under U.S. Basel III are shown in the following table. The following capital amounts and ratios are based upon the Bank&#8217;s average assets and risk-weighted assets, as indicated. The Bank has elected to exclude accumulated other comprehensive income related to both available-for-sale investments and swap valuations from Common Equity Tier 1 Capital. At December&#160;31, 2024 and December 31, 2023, the unrealized loss on available-for-sale investments included in other comprehensive income totaled $83 million and $115&#160;million, net of tax of $27 million and $37 million, respectively. The capital ratios would remain above the well capitalized thresholds, including applicable capital conservation buffers, if the unrealized loss became fully recognized into capital.</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 style="width:47.774%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.404%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.919%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.314%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.115%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><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="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 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 colspan="3" style="border-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 colspan="3" style="border-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 colspan="3" style="border-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"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2024</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">(3)</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">:</span></div></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"/></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%">2,957,067&#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%">11.3&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,827,318&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,957,067&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,218,886&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,294,663&#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%">12.6&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,740,976&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,957,067&#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%">9.7&#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: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%">1,213,505&#160;</span></td><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: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"/><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"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2023</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">(3)</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;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"/></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%">3,019,973&#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%">12.3&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,719,621&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,019,973&#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%">12.3&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,088,111&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,334,140&#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%">13.6&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,579,432&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,019,973&#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%">10.2&#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 style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,184,213&#160;</span></td><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><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="padding-left:78.75pt;padding-right:63pt;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">             (3)        </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For December&#160;31, 2024 and 2023, the actual amounts and the actual ratios include the respective adjusted transition amounts discussed above that were phased in at the beginning of 2024 and 2023.</span></div><div><span><br/></span></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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     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><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:174%">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 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 Company relies on dividends from the Bank, as necessary, to enable the Company to pay any declared dividends and other payments and consummate share repurchases, as described herein. The Bank declared $570&#160;million, $550&#160;million, and $700&#160;million in dividends to the Company for the years ended December 31, 2024, 2023, and 2022, respectively, with the proceeds primarily used to fund share repurchase programs and stock dividends. 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. See Item 1A. &#8220;Risk Factors &#8212; GENERAL RISKS&#8221; for possible limitations on the payments of our dividends.</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%">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, 2024 and 2023. For additional information, see Notes to Consolidated Financial Statements, Note 10, &#8220;Borrowings&#8221; in this Form 10-K.</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 style="width:26.864%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.441%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.173%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.971%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.173%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.472%"/><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%">2024</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%">2023</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%">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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">995,420&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">995,420&#160;</span></td><td style="background-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%">992,200&#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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">992,200&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">995,420&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">995,420&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">992,200&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">992,200&#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%">4,617,743&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,617,743&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">3,585,254&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,585,254&#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 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%">827,182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">827,182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">650,058&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">650,058&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">5,444,925&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">5,444,925&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">4,235,312&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">4,235,312&#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%">5,444,925&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">5,444,925&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">4,235,312&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 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%">4,235,312&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,440,345&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">6,440,345&#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%">5,227,512&#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%">5,227,512&#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="margin-top:5pt"><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:5pt;text-indent:18pt"><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-bottom:3pt;margin-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 June 14, 2024, we amended our $2 billion maximum financing Secured Borrowing Facility to extend the maturity. We hold 100 percent of the residual interest in the Secured Borrowing Facility trust. The amendment extended the revolving period, during which we may borrow, repay, and reborrow funds, until June 13, 2025. The scheduled amortization period, during which amounts outstanding under the Secured Borrowing Facility must be repaid, ends on June 13, 2026 (or earlier, if certain material adverse events occur). The one-year revolving period plus the one-year amortization period results in a contractual maturity that is two years from the date of inception or renewal; 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. For the years ended December 31, 2024 and 2023, there were no outstanding short-term borrowings under the Secured Borrowing Facility. For additional information, see Notes to Consolidated Financial Statements, Note 10, &#8220;Borrowings&#8221; in this Form 10-K.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">74</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><div style="margin-bottom:3pt;margin-top:6pt"><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:5pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Unsecured Financing Transactions</span></div><div style="margin-bottom:3pt;margin-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 $500&#160;million of 4.20 percent unsecured Senior Notes due October 29, 2025. This unsecured borrowing remained classified as long-term as of December 31, 2024 in accordance with our ability and intent to refinance the debt on a long-term basis. At December 31, 2024, the outstanding balance was $499&#160;million. On February 18, 2025, we redeemed these Senior Notes. See Notes to Consolidated Financial Statements, Note 23, &#8220;Subsequent Events&#8221; in this Form 10-K for additional information.</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 $500&#160;million of 3.125 percent unsecured Senior Notes due November 2, 2026, at a price of 99.43 percent. At December 31, 2024, the outstanding balance was $496&#160;million.</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%">On January 31, 2025, we issued $500 million of 6.50 percent unsecured Senior Notes due January 31, 2030. For additional information, see Notes to Consolidated Financial Statements, Note 23, &#8220;Subsequent Events&#8221; in this Form 10-K.</span></div><div style="margin-top:5pt;text-indent:18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Secured Financing Transactions</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-weight:400;line-height:120%">The following summarizes those Private Education Loan Trust term ABS issued in 2023 and 2024 in which we retained 100 percent of the residual class certificates.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </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:94.861%"><tr><td style="width:1.0%"/><td style="width:19.397%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.859%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.880%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.880%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.880%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.566%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.593%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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%">SMB Private Education Loan Trust</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 Closed</span></td><td colspan="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%">Loans Transferred to the Trust</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%">Notes 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%">Gross<br/>Proceeds</span></td><td colspan="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">(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%">Weighted Average Life<br/>(in years) of Class A and Class B Notes </span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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"/></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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/></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"/></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:#dbdbdb;padding:2px 1pt;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-A ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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%">March 15, 2023</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">644,573&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">579,000&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">571,910&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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%">SOFR plus 1.53%</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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%">5.06</span></td><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%">2023-C ABS Transaction</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 16, 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">647,934&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">568,000&#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%">567,881&#160;</span></td><td style="background-color:#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%">SOFR plus 1.69%</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%">4.93</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#dbdbdb;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 2023</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,292,507&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,147,000&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,139,791&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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;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"/><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"/></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;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-C ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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 15, 2024</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">733,644&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">668,000&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">667,888&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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%">SOFR plus 1.19%</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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%">5.36</span></td><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%">2024-E ABS Transaction</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 14, 2024</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">944,645&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">868,000&#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%">867,743&#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="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%">SOFR plus 1.42%</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%">5.17</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;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-F ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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 6, 2024</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">732,445&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680,000&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">679,981&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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%">SOFR plus 1.08%</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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%">5.09</span></td><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%">Total 2024</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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,410,734&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,216,000&#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%">2,215,612&#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;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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"/></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="padding-left:56.25pt;padding-right:54pt;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 transfer of such loans did not qualify for sale treatment and thus remain on our consolidated balance sheet.  At December 31, 2024, the following Private Education Loan amounts remain encumbered related to these transactions:</span></div><div style="margin-top:9pt;padding-left:20.25pt;padding-right:54pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">                           </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 style="width:41.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.921%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.837%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.921%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.837%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.921%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.838%"/><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%">SMB Private Education Loan Trust</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Principal</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capitalized <br/>Interest</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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</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:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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:#dbdbdb;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%">2023-A ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">484,551&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">32,856&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">517,407&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 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%">2023-C ABS Transaction</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">516,507&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35,287&#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%">551,794&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#dbdbdb;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 2023</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,001,058&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,143&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,069,201&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024-C ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">646,550&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">52,968&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">699,518&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 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%">2024-E ABS Transaction</span></td><td colspan="3" 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:9pt;font-weight:400;line-height:100%">841,355&#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:9pt;font-weight:400;line-height:100%">69,238&#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:9pt;font-weight:400;line-height:100%">910,593&#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:#dbdbdb;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%">2024-F ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">662,361&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,131&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">717,492&#160;</span></td><td style="background-color:#dbdbdb;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:9pt;font-weight:400;line-height:100%">Total 2024</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%">2,150,266&#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 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%">177,337&#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%">2,327,603&#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:56.25pt;padding-right:54pt;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">Represents SOFR equivalent cost of funds for variable and fixed-rate bonds, excluding issuance costs.</span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     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><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-style:italic;font-weight:400;line-height:115%">Pre-2023 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 2023, we executed a total of $10.38 billion in ABS transactions that were accounted for as secured financings. At December 31, 2024, $3.74 billion of our Private Education Loans, including $3.63 billion of principal and $107 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, 2024. 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, 2024 and 2023.</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 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, 2024 and December&#160;31, 2023, the value of our pledged collateral at the FRB was $2.2 billion and $1.6 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, 2024 and 2023.</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). 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. At December&#160;31, 2024, we had $2.3 billion of outstanding contractual loan commitments which we expect to fund during the remainder of the 2024/2025 academic year. At December&#160;31, 2024, we had an $85 million reserve recorded in &#8220;Other Liabilities&#8221; to cover lifetime expected credit losses on the 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. These include 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, 2024, we had $7.8 billion of principal obligations related to Bank deposits due in the next year, and $7.7&#160;billion due thereafter. At December 31, 2024, our contractual cash obligations due in the next year for secured borrowings, unsecured debt, and lease obligations were $824 million, $500 million, and $7 million, respectively, and our contractual cash obligations due thereafter for our secured borrowings, unsecured debt, and lease obligations were $4.6&#160;billion, $500 million, and $27&#160;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%">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, 2024, 210 million&#160;shares were issued and outstanding and 33 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 12, &#8220;Stockholders&#8217; Equity&#8221; in this Form 10-K for additional details.</span></div><div style="margin-top: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 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%">2024 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%">76</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_67"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></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; in this Form 10-K 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%">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 method. This method requires us to project future principal and interest cash flows on our loans in those portfolios. </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%">To estimate the future expected cash flows, we use statistical loan-level models that consider life of loan expectations for defaults, prepayments, recoveries, and any other qualitative 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:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We estimate future default rates used in our current expected credit losses at a loan level using historical loss experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable period. At the end of the reasonable and supportable forecast period, we immediately revert our forecasted economic factors to long-term historical averages. We estimate future prepayment speeds used in our current expected credit losses at a loan level using historical prepayment experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable 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-weight:400;line-height:120%">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. 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: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 future default rates and prepayment speeds in our current expected credit losses, we use a combination of expected economic scenarios coupled with our historical experience and adjust 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%">We obtain forecasts for these 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 December 31, 2024, December 31, 2023, and December 31, 2022, we used the Baseline (50th percentile likelihood of occurring)/S1 (stronger near-term growth scenario - 10 percent likelihood of occurring)/S3 (unfavorable (or downside) scenario - 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%">In estimating recoveries, we use both estimates of what we expect to 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="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     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><div style="margin-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, which could result in management overlays (increases or decreases to the allowance for credit losses). These management overlays can encompass a broad array of factors not captured by model inputs, including, but not limited to, changes in lending policies and procedures, including changes in underwriting standards, changes in servicing policies and collection administration practices, including the loan modification program changes implemented in the fourth quarter of 2023, state law changes that could impact servicing and collection practices, charge-offs, recoveries not already included in the analysis, the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses, the performance of the model over time versus actual losses, and any other operational or regulatory changes that could affect our estimate of 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%">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 in 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; 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%">Of the model inputs outlined above, economic forecasts, weighting of economic forecasts, 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 the fourth quarter of 2022, we changed our loss model to include forecasts of college graduate unemployment, retail sales, and median family income in determining the adequacy of the allowance for credit losses. Prior to this change, we included forecasts of college graduate unemployment and the Consumer Price Index in our loss forecasting models. </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 2023, we experienced slower prepayment rates due to the rising interest rate environment.  Historically, when rates rise, loan prepayments decline due to a reduction in consolidation activity of our borrowers to third party lenders, and when rates decline, loan prepayments rise due to an increase in consolidation activity of our borrowers to third party lenders. During 2023, our estimates of future prepayment speeds reflected the then current interest rate environment and future expectations of increased prepayment speeds in line with market expectations of a decline in interest rates based on the scenarios produced by Moody's Analytics described above. Slower prepayment speeds increase the allowance for credit losses because the loss rates applied in the future periods are applied to higher loan balances. </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 the second quarter of 2024, we implemented a loan-level future default rate model that includes current portfolio characteristics and forecasts of real gross domestic product and college graduate unemployment. In the second quarter of 2024, we also implemented a future prepayment speeds model to include forecasts of real gross domestic product, retail sales, SOFR, and the U.S. 10-year treasury rate. These models reduce the reliance on certain qualitative overlays compared to the previous default rate and prepayment speeds models. Prior to these changes, our default rate and prepayment speeds models used forecasts of college graduate unemployment, retail sales, home price index, and median family income. Both the future default rate model and the future prepayment speeds model are used in determining the adequacy of the allowance for credit losses. The combined impact upon implementation of these model enhancements and the changes in the related qualitative overlays did not have a material impact on the overall level of our allowance for credit losses.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">78</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><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">To demonstrate the sensitivity of the allowance for credit losses for our Private Education Loan portfolio to a more pessimistic forecast of expected economic outcomes, we considered what our allowance for credit losses would be if we applied a 100 percent probability weighting to the S3 unfavorable (or downside/90th percentile) scenario (with a concurrent 0 percent weighting for both the Baseline and S1 stronger near-term growth scenarios) under the range of scenarios noted above. Excluding consideration of qualitative adjustments, this sensitivity analysis would result in a hypothetical increase in our allowance for credit losses as of December 31, 2024 of $177 million or 11.6 percent. In addition, we also considered a 100 percent probability weighting to the S4 unfavorable (or downside/96th percentile) scenario (with a concomitant 0 percent weighting for both the Baseline and S1 stronger near-term growth scenarios) under the range of scenarios noted above. Excluding consideration of qualitative adjustments, this sensitivity analysis would result in a hypothetical increase in our allowance for credit losses as of December 31, 2024 of $274 million or 18.0 percent. These scenarios do not reflect our current expectations as of December 31, 2024, nor do they capture other qualitative adjustments or all the potential unknown variables that could arise in the forecast periods, but they provide an approximation of possible outcomes under hypothetical pessimistic conditions. The estimated impacts were calculated for the two-year reasonable and supportable periods, but were not calculated for the remaining periods since long-term assumptions used to calculate the allowance for the remaining periods are based on longer term averages and only change when we determine there is a fundamental change that will affect the long-term 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%">Below we describe in further detail our policies and procedures for the allowance for credit losses as they relate to our Private Education Loan portfolio. During the fourth quarter of 2024, we sold our remaining FFELP Loan portfolio to an unaffiliated third party. During the third quarter of 2022, we reclassified our Credit Card loan portfolio to loans held-for-sale and subsequently sold the Credit Card portfolio to a third party in May 2023. </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="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     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><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%">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 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%">In the second quarter of 2023, we changed how we collect on defaulted loans. Previously, we used a mix of in-house collectors and sales to third parties. We continue to sell a segment of defaulted loans immediately after charge-off but no longer sell retained defaulted loans (that have been subject to internal collection attempts for six months) to third parties and instead continue our collection efforts using in-house collectors and third-party collectors. This improved our estimate of recovery rates for the year ended December 31, 2023. When we estimate the timing and amount of future recoveries on charged-off loans, we no longer include expectations of future sales on retained defaulted loans. We continue to monitor how we collect on defaulted loans and may modify the approach from time to time based on performance, industry conventions, and/or regulatory feedback.</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 December 31, 2022, 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 December 31, 2024 and 2023, 26 percent and 25 percent, respectively, 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 (forbearance) for certain borrowers requesting an extended grace period upon leaving school or experiencing temporary difficulty meeting payment obligations. </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 the metrics considered are the allowance coverage of net charge-offs ratio; the allowance as a percentage of ending total loans plus unfunded loan commitments and total accrued interest receivable; 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 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%">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="height:54pt;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%">2024 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%">80</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><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: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 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 and the allowance for credit losses described above consider both the collectability of principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. The allowance for uncollectible interest uses historical experience to estimate the uncollectible interest on loans for which payment in full of principal or interest is not expected.  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 FFELP 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-weight:400;line-height:120%">During the third quarter of 2024, we transferred our FFELP Loan portfolio to loans held for sale as we planned to sell our FFELP Loan portfolio. At that time, we wrote down this loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $8&#160;million. We subsequently sold the FFELP Loan portfolio to a third party in the fourth quarter of 2024.  </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%">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, owners receive 97 percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, owners receive 98 percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, owners receive 100 percent reimbursement. Because owners 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 were 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%">For the years ended December 31, 2023 and 2022, we used the gross loss approach when estimating the allowance for credit losses for the unguaranteed portion of our FFELP Loans. We maintained 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 used historical experience of customer default behavior. We applied the default rate projections, net of applicable risk sharing, to our FFELP Loans 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="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     81</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_2174"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div style="margin-top:9pt"><span><br/></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:6pt;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 identify, manage, and remediate risk in a timely manner is critical to our continued success. Our risk management framework is designed to assess, manage, 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:6pt;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 also have a process that is designed to escalate meaningful departures from our risk appetite statements to the Board. The Board of Directors oversees the continued development of the risk management framework.</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:6pt;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 and appropriately mitigated. 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). The &#8220;second line of defense&#8221; is our Risk Management function, which is independent from the first line of defense. The second line of defense conducts oversight and effective challenge of the risk-taking activities within 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 Standard</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 Risk Management Policy and Risk Appetite Standard 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, monitored, and reported. The Risk Management Policy, the Risk Appetite Standard, and the related policies and procedures constitute the core of the risk management 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%">Sallie Mae leverages risk appetite to outline 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 defined thresholds and limits, for each risk category. The management-level Enterprise Risk Committee provides oversight of the risk appetite standard with escalation to the Board of Directors, as appropriate. </span></div><div style="padding-left:11.25pt"><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%">Board of Directors Committee Structure</span></div><div style="margin-top:6pt;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have a Board of Directors committee structure as outlined below that facilitates oversight, effective challenge, and escalation of risk and control issues</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">.  </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">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 assists the Board of Directors in fulfilling its risk management oversight responsibilities with regard to the Company&#8217;s major financial risks, including credit risk, market risk, and liquidity risk. The Financial Risk Committee, along with the Operational and Compliance Risk Committee, provides oversight of the development, maintenance, and monitoring of the Company&#8217;s risk management framework, risk governance structure, and risk appetite statements, metrics, and associated limits and thresholds, and the promotion of our risk management culture.  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;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">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 its oversight responsibilities relating to the major non-financial risks, including compliance risks, operational risks, information and cyber security risk, and model risk. The Operational and Compliance Risk Committee, along with the Financial Risk Committee, provides oversight of the development, maintenance, and monitoring of our risk management framework, risk governance structure, and risk appetite statements, metrics, and associated limits and thresholds, and the promotion of our risk </span></div><div style="height:42.75pt;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%">2024 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%">82</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div style="margin-top:9pt"><span><br/></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%">management culture. 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;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">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 quality and integrity of our financial statements, accounting and reporting processes, the performance of the Internal Audit function, and the qualifications, hiring, performance, and independence of our independent registered public accounting firm.</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">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 recommends to the Board of Directors appropriate standards of corporate governance, and assists the Board of Directors in fulfilling its obligations with regard to oversight of the operations of the Board of Directors, the qualifications and independence of directors, nominations to the Board of Directors, and compliance with the corporate governance standards.</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">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 related to the compensation and benefits of our Chief Executive Officer (&#8220;CEO&#8221;) and the non-employee members of the Board of Directors, our incentive compensation and benefits practices for employees of all levels, and management&#8217;s succession planning.  Additionally, the Compensation Committee provides oversight of human capital management.</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">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: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%">Management-Level Committee Structure</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%">Executive Committee</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%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">(&#8220;ERC&#8221;).</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 monitoring of the risk and control environment. The ERC is jointly accountable to the Financial Risk Committee and the Operational and Compliance Risk Committee of the Board of Directors and provides for escalation accordingly.</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 and Compliance Risk Committee</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The OCRC is the oversight body for the identification, assessment, remediation, measurement, and reporting of operational and compliance 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">Policy Management Committe</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">e</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> (&#8220;PMC&#8221;)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The PMC is responsible for the effective and efficient administration of the Company&#8217;s policies, standards, 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="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%">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: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:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Internal Audit provides independent assurance to the Audit Committee of the Board of Directors as to the adequacy and effectiveness of our risk management, control, and governance processes. Internal Audit also assists management by providing objective assurance, credible challenge, and consulting services around matters involving risk management. Internal Audit regularly performs selected reviews of our risk management and compliance functions to assess the effectiveness of the overall risk management framework, 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 </span></div><div style="height:42.75pt;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-style:italic;font-weight:400;line-height:120%">2024 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     83</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div style="margin-top:9pt"><span><br/></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%">independent risk assessment to evaluate the risk of all significant components of the Company and uses the results to develop an annual, risk-based Internal Audit plan to provide the assurance services noted above.</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:115%">Risk Categories </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%">Risk categories are a foundational element of the risk management framework; they are widely used in risk</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">identification and provide the basis for risk aggregation and reporting. The Company has identified six major risk categories:</span></div><div style="margin-top:6pt;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%">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 of: adverse impacts to enterprise value, current or anticipated earnings, capital, or franchise value arising from the Company&#8217;s competitive and market position and evolving forces in the industry that can affect that position; lack of responsiveness to these conditions; strategic decisions to change the Company&#8217;s scale, market position, or operating model; or failure to appropriately consider implementation risks inherent in the Company&#8217;s strategy. </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%">The overall development of the Company&#8217;s 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="margin-top:6pt;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%">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 of adverse impacts to earnings, capital, or reputation resulting from obligors&#8217; failure, or the increased probability thereof, to meet the terms of a lending, issuer, or counterparty agreement. Credit risk is found in all activities where success depends on counterparty, issuer, or borrower 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%">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="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%">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="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%">Credit risk exposure is managed primarily through the Credit Committee, and regular reporting on credit programs and credit metrics is provided to the Financial Risk Committee of the Board of Directors.</span></div><div style="margin-top:6pt;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%">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 of adverse impacts to earnings, capital, or reputation resulting from fluctuations in market conditions such as changes in&#8239;interest rates, foreign exchange rates, commodity prices, equity prices, and other financial market factors. 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="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%">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 of adverse impacts to earnings, capital, reputation, or survival resulting from not being able to meet the Company&#8217;s financial obligations when they become due, whether due to a lack of available funding or the inability to liquidate assets in a timely and cost-effective&#8239;manner.   </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 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 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="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 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 </span></div><div style="height:42.75pt;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%">2024 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%">84</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div style="margin-top:9pt"><span><br/></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%">responsible for periodically reviewing the liquidity positions and contingency funding plan developed and administered by ALCO. </span></div><div style="margin-top:6pt;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 of adverse impacts to earnings, capital, or reputation resulting from inadequate or failed internal processes, people, and systems, or from external events. Operational risk is pervasive in that it exists in all business lines, functional units, legal entities, and geographic locations.</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%">Operational risk exposures are managed through a combination of first line of defense and control activities and second line of defense oversight. The OCRC is the management committee responsible for operational risk, and it supports the EC in its oversight duties. The OCRC 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="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%">Cybersecurity risk is one of our significant operational risks. We provide more detailed information on our cybersecurity risk management, strategy, and governance in Part I, Item 1C. of this Form 10-K. </span></div><div style="margin-top:6pt;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%">Compliance risk is the risk of adverse impacts to earnings, capital, or reputation resulting from violations of, or non-conformance with, the Code of Business Conduct and with laws, rules, regulations, and self regulatory organizations&#8217; standards.</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%">Primary ownership and responsibility for compliance risk is placed with the first line of defense to identify and manage. Our Compliance function supports these activities by providing extensive training, monitoring, and testing of the processes, policies, and procedures utilized by the first line of defense, maintaining relevant legal and regulatory requirements, and working in close coordination with our Legal department.</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%">Compliance risk metrics and regular reporting on compliance programs are provided to the Operational and Compliance Risk Committee of the Board of Directors.</span></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:42.75pt;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-style:italic;font-weight:400;line-height:120%">2024 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     85</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_73"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></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 30-day average SOFR. Therefore, 30-day average SOFR is considered a core rate in our interest rate risk analysis.  The 30-day average SOFR and other rates are shocked in parallel for shock scenarios unless otherwise indicated. 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 key rates, with the resulting changes in other indices correlated accordingly. Interest rate ramps represent a linear increase in those key rates 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 table summarizes 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, 2024 and 2023, based upon a sensitivity analysis performed by management assuming hypothetical increases in market interest rates of 100&#160;and 300&#160;basis points and a decrease of 100 and 300 basis points while credit and funding spreads remain constant. EAR analysis assumes a static balance sheet, with maturities of each product replaced with assumed issuance of new products of the same type. 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 loan sales, 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%">The EAR results for December 31, 2024 indicate a market risk profile of low sensitivity to rate changes, based on static balance sheet assumptions over the next two years. The higher mix of fixed-rate versus variable-rate loan disbursements continues, which results in our liabilities repricing more quickly than our assets over time. Planned loan sales, which are not included in the static EVE modeling, significantly reduce our EVE exposure. Management is evaluating this trend to determine if, and when, further actions are necessary to manage EVE sensitivity.</span></div><div style="margin-top:10pt;text-indent:24.75pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.807%"><tr><td style="width:1.0%"/><td style="width:16.089%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.846%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.925%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.191%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.925%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.191%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.925%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.191%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.925%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.191%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.846%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.523%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.191%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.672%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.191%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.626%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.042%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.547%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.925%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.203%"/><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%">As of December 31,</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="33" 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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="33" 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%">2023</span></td></tr><tr style="height:21pt"><td colspan="3" style="padding:0 1pt"/><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:8pt;font-weight:700;line-height:100%">+300&#160;Basis<br/>Points</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:#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 #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:#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 #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:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">&#160;-300 Basis Points</span></td><td colspan="3" style="padding:0 1pt"/><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:8pt;font-weight:700;line-height:100%">+300&#160;Basis<br/>Points</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:#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 #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:#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 #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:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">-300 Basis Points</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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%">EAR - Shock</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:9pt;font-weight:400;line-height:100%">-8.1</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 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%">-2.5</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 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:2px 1pt;text-align: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:2px 1pt;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 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%">-2.9</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 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%">-0.9</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 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%">+0.7</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 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></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 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%">-4.5</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 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%">-1.4</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 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 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%">+3.4</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 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%">-1.9</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 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%">-0.6</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 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%">+0.4</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 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%">+1.3</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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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 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%">-24.2</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 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%">-7.9</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 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%">+7.0</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 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%">+20.9</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 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%">-26.0</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 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%">-8.9</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 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%">+8.8</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 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%">+25.9</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></tr></table></div><div style="text-align:center"><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%">In the preceding tables, the interest rate sensitivity analysis reflects the balance sheet mix of fully variable SOFR and Prime-based loans, and fully variable funding, including brokered CDs that have been converted to SOFR 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.</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 </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">86</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><div style="margin-top:10pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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 style="margin-top:7.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Asset and Liability Funding Gap</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%">The table below presents our assets and liabilities (funding) arranged by underlying indices as of December&#160;31, 2024. 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:73.684%"><tr><td style="width:1.0%"/><td style="width:28.265%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.792%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.098%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.792%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.987%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.792%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.590%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.792%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.592%"/><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:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of December 31, 2024 </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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">547.9&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(547.9)</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%">SOFR Rate</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%">daily/weekly/monthly</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,323.2&#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%">4,816.6&#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%">506.6&#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%">3-month SOFR</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%">quarterly</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">251.1&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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:#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%">weekly</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">Prime</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%">monthly</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">0.3&#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><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 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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,927.5&#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:9pt;font-weight:400;line-height:100%">3,606.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,321.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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="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 colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,821.1&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,850.1&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,029.0)</span></td><td style="background-color:#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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 style="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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,072.1&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">30,072.1&#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"/></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 Fed Funds Effective Rate, SOFR rate, 3-month SOFR, Non-Discrete Reset, and Fixed-Rate categories. Changes in the Fed Funds Effective Rate, the Non-Discrete Reset, and the daily, weekly, and monthly SOFR, and 3-month SOFR categories are generally quite highly correlated, and should offset each other effectively. The funding in the fixed-rate bucket includes $1.9 billion and $0.4 billion of non-interest-bearing liabilities. We consider the overall repricing risk to be low.</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="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     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><div style="margin-top:7.5pt"><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, 2024. </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 style="width:68.774%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.892%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:26.934%"/><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, 2024<br/>(averages in years)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.57&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 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%">1.28&#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 earning assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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%">4.55&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;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%">&#160;</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><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 colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.60&#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 deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.47&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><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%">0.90&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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 #000000;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%">Borrowings</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="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%">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%">3.60&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 borrowings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><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%">3.60&#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"/></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:54pt;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%">2024 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%">88</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_76"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></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 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 Part IV, 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:12pt"><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: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:12pt"><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, 2024. Based on this evaluation, our principal executive officer and principal financial officer concluded that, as of December&#160;31, 2024, 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, 2024. 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, 2024, 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, which is the independent registered public accounting firm that audited the financial statements included in this Form 10-K, has issued an audit report on the Company&#8217;s internal control over financial reporting, which can be found under the heading &#8220;Report of Independent Registered Public Accounting Firm&#8221; in Part IV, Item 15 of this 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-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-weight:700;line-height:120%">Changes in Internal Control over Financial Reporting </span></div><div style="margin-top:12pt;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, 2024 that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.</span></div><div style="text-indent:24.75pt"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_79"></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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:107%">Insider Trading Arrangements</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 fourth quarter of 2024, no director or officer (as defined in Rule 16a-1(f) promulgated under the Securities Exchange Act of 1934, as amended) of the Company <ix:nonNumeric contextRef="c-6" name="ecd:NonRule10b51ArrAdoptedFlag" format="ixt:fixed-false" id="f-57"><ix:nonNumeric contextRef="c-6" name="ecd:Rule10b51ArrAdoptedFlag" format="ixt:fixed-false" id="f-58">adopted</ix:nonNumeric></ix:nonNumeric> or <ix:nonNumeric contextRef="c-6" name="ecd:Rule10b51ArrTrmntdFlag" format="ixt:fixed-false" id="f-59"><ix:nonNumeric contextRef="c-6" name="ecd:NonRule10b51ArrTrmntdFlag" format="ixt:fixed-false" id="f-60">terminated</ix:nonNumeric></ix:nonNumeric> a &#8220;Rule 10b5-1 trading arrangement&#8221; or &#8220;non-Rule 10b5-1 trading arrangement&#8221; for the purchase or sale of securities of the Company, each within the meaning of Item 408 of Regulation S-K.</span></div><div style="height:54pt;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-style:italic;font-weight:400;line-height:120%">2024 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     89</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_82"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></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: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 2025 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;, 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: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 2025 Proxy Statement, including information appearing in the sections titled &#8220;Executive Compensation&#8221; and &#8220;Director Compensation&#8221;, 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: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 2025 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;, 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: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 2025 Proxy Statement, including information appearing under &#8220;Corporate Governance &#8212; Related Party Transactions&#8221; and &#8220;Corporate Governance &#8212; Director Independence&#8221;, 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 style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The information contained in the 2025 Proxy Statement, including information appearing under &#8220;Independent Registered Public Accounting Firm&#8221;, is incorporated herein by reference. </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">90</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_85"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:9pt"><span><br/></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 Part II, 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 style="width:91.005%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.700%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.895%"/><td style="width:0.1%"/></tr><tr style="height:39pt"><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="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%"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_94">Report of Independent Registered Public Accounting Firm</a></span></div></td><td colspan="3" style="padding:0 1pt"/><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%">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_94">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%"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_97">Report of Independent Registered Public Accounting Firm</a></span></div></td><td colspan="3" style="padding:0 1pt"/><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%">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_97">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%"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_100">Consolidated Balance Sheets as of 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:none" href="#idb53689b710946c1b3ee3e39899ac732_100">4</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_100"> and 202</a>3</span></div></td><td colspan="3" style="padding:0 1pt"/><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%">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_100">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%"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_103">Consolidated Statements of 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:none" href="#idb53689b710946c1b3ee3e39899ac732_103">4</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_103">, 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:none" href="#idb53689b710946c1b3ee3e39899ac732_103">3</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_103">, and 202</a>2</span></div></td><td colspan="3" style="padding:0 1pt"/><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%">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_103">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%"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_106">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:none" href="#idb53689b710946c1b3ee3e39899ac732_106">4</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_106">, 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:none" href="#idb53689b710946c1b3ee3e39899ac732_106">3</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_106">, and 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:none" href="#idb53689b710946c1b3ee3e39899ac732_106">2</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_106"> </a></span></div></td><td colspan="3" style="padding:0 1pt"/><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%">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_106">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%"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_109">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:none" href="#idb53689b710946c1b3ee3e39899ac732_109">4</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_109">, 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:none" href="#idb53689b710946c1b3ee3e39899ac732_109">3</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_109">, and 202</a>2</span></div></td><td colspan="3" style="padding:0 1pt"/><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%">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_109">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%"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_112">Consolidated Statements of Cash Flows 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:none" href="#idb53689b710946c1b3ee3e39899ac732_112">4</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_112">, 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:none" href="#idb53689b710946c1b3ee3e39899ac732_112">3</a><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_112">, and 202</a>2</span></div></td><td colspan="3" style="padding:0 1pt"/><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%">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_112">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%"><a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_118">Notes to Consolidated Financial Statements</a></span></div></td><td colspan="3" style="padding:0 1pt"/><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%">F-<a style="-sec-extract:exhibit;color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_118">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:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary"><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     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><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 style="width:7.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:90.275%"/><td style="width:0.1%"/></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;2.1</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="https://www.sec.gov/Archives/edgar/data/1032033/000119312514180442/d719399dex22.htm">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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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</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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 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 colspan="3" style="padding:0 1pt"/></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="https://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 (incorporated by reference to Exhibit 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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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;4.9</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="https://www.sec.gov/Archives/edgar/data/1032033/000119312525017942/d912181dex41.htm">Fourth Supplemental Indenture dated as of January 31, 2025 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 January 31, 2025).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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;4.10</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="https://www.sec.gov/Archives/edgar/data/1032033/000119312525017942/d912181dex42.htm">Form of Senior Note due 2030 (incorporated by reference to Exhibit 4.2 of the Company&#8217;s Current Report on Form 8-K filed on January 31, 2025).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><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"/></tr><tr><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"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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: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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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: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="https://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 colspan="3" style="padding:0 1pt"/></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: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="https://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 colspan="3" style="padding:0 1pt"/></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: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="https://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 colspan="3" style="padding:0 1pt"/></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: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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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: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="https://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 colspan="3" style="padding:0 1pt"/></tr></table></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary;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%">2024 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%">92</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><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:7.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:90.275%"/><td style="width:0.1%"/></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: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="https://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 colspan="3" style="padding:0 1pt"/></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: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="https://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 colspan="3" style="padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></tr><tr><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"/></tr><tr><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"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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="https://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 colspan="3" style="padding:0 1pt"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></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="https://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 colspan="3" style="padding:0 1pt"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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</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="https://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 colspan="3" style="padding:0 1pt"/></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</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="https://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 colspan="3" style="padding:0 1pt"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></tr><tr><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"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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</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="https://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 colspan="3" style="padding:0 1pt"/></tr><tr><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"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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="https://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 colspan="3" style="padding:0 1pt"/></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: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="https://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 colspan="3" style="padding:0 1pt"/></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: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="https://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></table></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary"><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     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><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:7.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:90.275%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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: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="https://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 colspan="3" style="padding:0 1pt"/></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="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="https://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="https://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 colspan="3" style="padding:0 1pt"/></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="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="https://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 on June 9, 2021).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/1032033/000162828022010813/slm20220331ex101.htm">Form of SLM Corporation 2021 Omnibus Incentive Plan, 2022 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 27, 2022).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/1032033/000162828022010813/slm20220331ex102.htm">Form of SLM Corporation 2021 Omnibus Incentive Plan, 2022 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 27, 2022).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/1032033/000162828022019581/slm20220630ex101.htm">Form of SLM Corporation 2021 Omnibus Incentive Plan, Independent Director Restricted Stock Agreement &#8211; 2022 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 27, 2022).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/1032033/000162828022019581/slm20220630ex102.htm">Offer Letter between Kerri Palmer and the Company dated January 7, 2021 (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 27, 2022).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/1032033/000119312523043541/d396535dex101.htm">SLM Corporation Amended and Restated Executive Severance Plan for Senior Officers (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Current Report on Form 8-K filed on February 21, 2023).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/1032033/000162828023013249/slm20230331ex101.htm">Form of SLM Corporation 2021 Omnibus Incentive Plan, 2023 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 26, 2023).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/1032033/000162828023013249/slm20230331ex102.htm">Form of SLM Corporation 2021 Omnibus Incentive Plan, 2023 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 26, 2023).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/1032033/000162828023013249/slm20230331ex103.htm">Retention Agreement between Steven J. McGarry and the Company dated March 2, 2023 (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 26, 2023).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/1032033/000162828023013249/slm20230331ex104.htm">Agreement and Release between Daniel Kennedy and the Company effective March 30, 2023 (incorporated by reference to Exhibit 10.4 of the Company&#8217;s Quarterly Report on Form 10-Q filed on April 26, 2023).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/1032033/000162828023025733/slm20230630ex101.htm">Form of SLM Corporation 2021 Omnibus Incentive Plan, Independent Director Restricted Stock Agreement &#8211; 2023 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on July 26, 2023).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/1032033/000162828023035125/slm20230930ex101.htm">Offer Letter between Peter Graham and the Company dated August 25, 2023 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q filed on October 25, 2023).</a></span></div></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/1032033/000162828024017666/slm20240331ex101.htm">Form of SLM Corporation 2021 Omnibus Incentive Plan, 2024 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 24, 2024).</a></span></div></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">10.48&#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="https://www.sec.gov/Archives/edgar/data/1032033/000162828024017666/slm20240331ex102.htm">Form of SLM Corporation 2021 Omnibus Incentive Plan, 2024 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 24, 2024).</a></span></div></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex101.htm">Form of SLM Corporation 2021 Omnibus Incentive Plan, Independent Director Restricted Stock Agreement &#8211; 2024 (incorporated by reference to Exhibit 10.1 of the Company&#8217;s Quarterly Report on Form 10-Q</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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex101.htm">/A</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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex101.htm"> filed on July 2</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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex101.htm">6</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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex101.htm">, 2024).</a></span></div></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex102.htm">SLM Corporation Amended and Restated Change in Control Severance Plan for Senior Officers effective June 18, 2024 (incorporated by reference to Exhibit 10.2 of the Company&#8217;s Quarterly Report on Form 10-Q</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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex102.htm">/A</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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex102.htm"> filed on July 2</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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex102.htm">6</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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex102.htm">, 2024).</a></span></div></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex103.htm">SLM Corporation Amended and Restated Executive Severance Plan for Senior Officers effective June 18, 2024 (incorporated by reference to Exhibit 10.3 of the Company&#8217;s Quarterly Report on Form 10-Q</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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex103.htm">/A</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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex103.htm"> filed on July 2</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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex103.htm">6</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="https://www.sec.gov/Archives/edgar/data/0001032033/000162828024033081/slm20240630ex103.htm">, 2024)</a></span></div></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">19.1*</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="slmex1912024.htm"><ix:nonNumeric contextRef="c-1" name="ecd:InsiderTrdPoliciesProcAdoptedFlag" format="ixt:fixed-true" id="f-61">Securities Trading Policy.</ix:nonNumeric></a></span></div></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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="slmex21112312024.htm">List of Subsidiaries.</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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="slmex23112312024.htm">Consent of KPMG LLP.</a></span></div></td></tr><tr style="height:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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="slmex31112312024.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 colspan="3" style="padding:0 1pt"/></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="slmex31212312024.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 colspan="3" style="padding:0 1pt"/></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="slmex32112312024.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 colspan="3" style="padding:0 1pt"/></tr></table></div><div style="height:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary;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%">2024 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%">94</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><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:7.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:90.275%"/><td style="width:0.1%"/></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="slmex32212312024.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 colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="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%">97.1*</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="slmex9712024.htm">Financial Restatement Compensation Recovery Policy.</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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 colspan="3" style="padding:0 1pt"/></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 colspan="3" style="padding:0 1pt"/></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 colspan="3" style="padding:0 1pt"/></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 colspan="3" style="padding:0 1pt"/></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 colspan="3" style="padding:0 1pt"/></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 colspan="3" style="padding:0 1pt"/></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:54pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary"><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     95</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_88"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-top:9pt"><span><br/></span></div></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;20, 2025</span></div><div style="margin-top:9pt"><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 style="width:48.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:48.900%"/><td style="width:0.1%"/></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:5pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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></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 style="width:32.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:34.718%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:29.749%"/><td style="width:0.1%"/></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 colspan="3" style="padding:0 1pt"/></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:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</span></div></td></tr><tr style="height:6pt"><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="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/ PETER M. GRAHAM</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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%">Peter M. Graham</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, Chief Financial Officer and Treasurer<br/>&#160;(Principal Financial and Accounting Officer)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</span></div></td></tr><tr style="height:3pt"><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="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 colspan="3" style="padding:0 1pt"/></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:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</span></div></td></tr><tr style="height:3pt"><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="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/ JANAKI AKELLA</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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%">Janaki Akella</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:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</span></div></td></tr><tr style="height:3pt"><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="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/ R. SCOTT BLACKLEY</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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%">R. Scott Blackley</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:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</span></div></td></tr><tr style="height:3pt"><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="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/ HENRY F. GREIG</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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%">Henry F. Greig</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:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</span></div></td></tr><tr style="height:3pt"><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="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 colspan="3" style="padding:0 1pt"/></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%">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:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</span></div></td></tr><tr style="height:3pt"><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="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/ CHRISTOPHER T. LEECH</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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%">Christopher T. Leech</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:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</span></div></td></tr><tr style="height:3pt"><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="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 colspan="3" style="padding:0 1pt"/></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%">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:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</span></div></td></tr><tr style="height:3pt"><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="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 colspan="3" style="padding:0 1pt"/></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:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</span></div></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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%">96</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><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 style="width:32.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:34.718%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:29.749%"/><td style="width:0.1%"/></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 colspan="3" style="padding:0 1pt"/></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:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</span></div></td></tr><tr style="height:3pt"><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="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 colspan="3" style="padding:0 1pt"/></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:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</span></div></td></tr><tr style="height:3pt"><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="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 colspan="3" style="padding:0 1pt"/></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:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">February&#160;20, 2025</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><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 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     97</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_91"></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 style="width:92.501%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.299%"/><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: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%"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_94">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%">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_94">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%"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_97">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%">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_97">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%"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_100">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%">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_100">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%"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_103">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%">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_103">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%"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_106">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%">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_106">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%"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_109">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%">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_109">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%"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_112">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%">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_112">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%"><a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_118">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%">F-<a style="color:#144f82;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:none" href="#idb53689b710946c1b3ee3e39899ac732_118">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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-1</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_94"></div><hr style="page-break-after:always"/><div style="min-height:72pt;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><br/></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 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 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%">Opinion on the Consolidated Financial Statements</span></div><div style="margin-top:6pt"><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, 2024 and 2023, 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, 2024, 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, 2024 and 2023, and the results of its operations and its cash flows for each of the years in the three-year period ended December 31, 2024, in conformity with U.S. generally accepted accounting principles.</span></div><div style="margin-top:6pt"><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, 2024, based on criteria established in Internal Control &#8211; Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission, and our report dated February 20, 2025 expressed an unqualified opinion on the effectiveness of the Company&#8217;s internal control over financial reporting.</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%">Basis for Opinion</span></div><div style="margin-top:6pt"><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 style="margin-top:6pt"><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 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%">Critical Audit Matter</span></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 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 style="margin-top:3pt;padding-left:13.5pt"><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:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As discussed in Notes 2 and 6 to the consolidated financial statements, the Company&#8217;s total allowance for credit losses on private education loans evaluated on a collective basis (the Collective ACL) was $1,436 million as of December 31, 2024. For all loans carried at amortized cost, upon loan origination, the Company </span></div><div style="height:94.5pt;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%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">2    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;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><br/></span></div></div><div style="margin-top:6pt;padding-left:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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 applies a discounted cash flow method that requires the Company to project future principal and interest cash flows on loans in the private education loan portfolio. To estimate the future expected cash flows, the Company uses statistical loan-level models that consider life of loan expectations for defaults, prepayments, recoveries, and any other qualitative adjustments deemed necessary to determine the adequacy of the allowance for credit losses. These cash flows are discounted at the loan&#8217;s effective interest rate to calculate the present value of the cash flows. 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. Future default rates and future prepayment speeds are estimated at a loan level using historical experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable period. At the end of the reasonable and supportable forecast period, the Company immediately reverts forecasted economic factors to long-term historical averages. In estimating future default rates and prepayment speeds, the Company uses a combination of expected economic scenarios coupled with historical experience. The Company also develops an adverse and favorable economic scenario. These scenarios are weighted based upon the current economic conditions and the Company&#8217;s view of the risks of alternate outcomes. In estimating recoveries, the Company uses both estimates of what would be received from the sale of defaulted loans as well as historical borrower payment behavior to estimate the timing and amount of future recoveries of charged-off loans. The Company also takes certain qualitative factors into consideration when calculating the Collective ACL, which could result in management overlays.</span></div><div style="margin-top:6pt;padding-left:13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We identified the assessment of the Collective 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 Collective ACL methodology encompassed the evaluation of the conceptual soundness and performance of the statistical loan-level models, including their significant assumptions. Such significant assumptions included (1) forecasted economic factors and (2) default and prepayment rates derived from statistical loan-level models. The assessment also encompassed the conceptual soundness of the methods and significant assumptions used to determine certain individual management overlays. In addition, auditor judgment was required to evaluate the sufficiency of audit evidence obtained.</span></div><div style="margin-top:6pt;padding-left:13.5pt"><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 Collective ACL estimate, including controls over the:</span></div><div style="margin-top:6pt;padding-left: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:19pt">Collective ACL methodology</span></div><div style="margin-top:6pt;padding-left: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:19pt">development of the statistical loan-level models used to estimate future defaults and prepayment speeds</span></div><div style="margin-top:6pt;padding-left: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:19pt">performance monitoring of the statistical loan-level models </span></div><div style="margin-top:6pt;padding-left: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:19pt">determination and measurement of the significant assumptions used in the models</span></div><div style="margin-top:6pt;padding-left: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:19pt">development of certain individual management overlay methods and assumptions</span></div><div style="margin-top:6pt;padding-left: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:19pt">analysis of the Collective ACL results, trends, and ratios.</span></div><div style="margin-top:6pt;padding-left:13.5pt"><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 Collective ACL estimate 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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">:</span></div><div style="margin-top:6pt;padding-left:36pt;text-indent:-22.5pt"><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:19pt">evaluating the Company&#8217;s Collective ACL methodology for compliance with U.S. generally accepted accounting principles</span></div><div style="height:94.5pt;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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-3</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;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><br/></span></div></div><div style="margin-top:6pt;padding-left:36pt;text-indent:-22.5pt"><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:19pt">evaluating judgments made by the Company relative to the development and performance testing of the statistical loan-level models by comparing them to the relevant Company-specific metrics and trends</span></div><div style="margin-top:6pt;padding-left:36pt;text-indent:-22.5pt"><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:19pt">assessing the conceptual soundness and performance testing of the statistical loan-level models by inspecting the model documentation to determine whether the models are suitable for their intended use</span></div><div style="margin-top:6pt;padding-left:36pt;text-indent:-22.5pt"><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:19pt">evaluating the selection of the forecasted economic factors used to adjust future default rates and future prepayment speeds over the reasonable and supportable forecast period by comparing them to the Company&#8217;s business environment and relevant industry practices</span></div><div style="margin-top:6pt;padding-left:36pt;text-indent:-22.5pt"><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:19pt">evaluating the conceptual soundness of the methods and assumptions used to develop certain individual management overlays and their impact on the Collective ACL compared with relevant credit risk factors and consistency with credit trends and identified limitations of the underlying statistical loan-level models.</span></div><div style="margin-top:6pt;padding-left:13.5pt"><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 Collective ACL by evaluating the cumulative results of the audit procedures and potential bias in the accounting estimates.</span></div><div><span><br/></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%">/s/ KPMG LLP</span></div><div style="text-align:center"><span><br/></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%">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 20, 2025</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="padding-left:36pt"><span><br/></span></div><div><span><br/></span></div><div style="height:94.5pt;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%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">4    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_97"></div><hr style="page-break-after:always"/><div style="min-height:72pt;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><br/></span></div></div><div style="margin-bottom:20pt;margin-top:63pt;text-align:center"><span><br/></span></div><div style="margin-bottom:2pt;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="margin-bottom:20pt;text-align:center"><span><br/></span></div><div style="margin-top:18pt"><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 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%">Opinion on Internal Control Over Financial Reporting</span></div><div style="margin-top:6pt"><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, 2024, based on criteria established in Internal Control &#8211; Integrated Framework (2013) 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, 2024, based on criteria established in Internal Control &#8211; Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission.</span></div><div style="margin-top:6pt"><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, 2024 and 2023, 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, 2024, and the related notes (collectively, the consolidated financial statements), and our report dated February 20, 2025 expressed an unqualified opinion on those consolidated financial statements.</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%">Basis for Opinion</span></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 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 style="margin-top:6pt"><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 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%">Definition and Limitations of Internal Control Over Financial Reporting</span></div><div style="margin-top:6pt"><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 </span></div><div style="height:90pt;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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-5</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;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><br/></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%">unauthorized acquisition, use, or disposition of the company&#8217;s assets that could have a material effect on the financial statements.</span></div><div style="margin-top:6pt"><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 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%">/s/ KPMG LLP</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 20, 2025</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:90pt;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%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">6    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_100"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></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 style="width:64.354%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.800%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.718%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.719%"/><td style="width:0.1%"/></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 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:#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 colspan="3" style="border-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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2023</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 colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-62">4,700,366</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-63">4,149,838</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Investments:</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"><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="c-7" decimals="-3" name="us-gaap:TradingSecuritiesDebtAmortizedCost" format="ixt:num-dot-decimal" scale="3" id="f-64">41,715</ix:nonFraction> and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TradingSecuritiesDebtAmortizedCost" format="ixt:num-dot-decimal" scale="3" id="f-65">43,412</ix:nonFraction>, 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-66">53,262</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-67">54,481</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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:9pt;font-weight:400;line-height:100%">Available-for-sale investments at fair value (cost of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-68">2,042,473</ix:nonFraction> and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-69">2,563,984</ix:nonFraction>, 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-70">1,933,226</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-71">2,411,622</ix:nonFraction>&#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%">Other 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:OtherInvestments" format="ixt:num-dot-decimal" scale="3" id="f-72">112,377</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:OtherInvestments" format="ixt:num-dot-decimal" scale="3" id="f-73">91,567</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:Investments" format="ixt:num-dot-decimal" scale="3" id="f-74">2,098,865</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:Investments" format="ixt:num-dot-decimal" scale="3" id="f-75">2,557,670</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"/></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="c-7" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-76">1,435,920</ix:nonFraction> and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-77">1,339,772</ix:nonFraction>, 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-78">20,902,158</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-79">20,306,357</ix:nonFraction>&#160;</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%">Restricted cash</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="f-80">173,894</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="f-81">149,669</ix:nonFraction>&#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 interest-earning 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:OtherInterestEarningAssets" format="ixt:num-dot-decimal" scale="3" id="f-82">4,880</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:OtherInterestEarningAssets" format="ixt:num-dot-decimal" scale="3" id="f-83">9,229</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:InterestReceivable" format="ixt:num-dot-decimal" scale="3" id="f-84">1,546,590</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:InterestReceivable" format="ixt:num-dot-decimal" scale="3" id="f-85">1,379,904</ix:nonFraction>&#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%">Premises and equipment, 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentNet" format="ixt:num-dot-decimal" scale="3" id="f-86">119,354</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentNet" format="ixt:num-dot-decimal" scale="3" id="f-87">129,501</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Goodwill and acquired intangible assets, 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:IntangibleAssetsNetIncludingGoodwill" format="ixt:num-dot-decimal" scale="3" id="f-88">63,532</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:IntangibleAssetsNetIncludingGoodwill" format="ixt:num-dot-decimal" scale="3" id="f-89">68,711</ix:nonFraction>&#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 receivable, 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:IncomeTaxReceivable" format="ixt:num-dot-decimal" scale="3" id="f-90">425,625</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:IncomeTaxReceivable" format="ixt:num-dot-decimal" scale="3" id="f-91">366,247</ix:nonFraction>&#160;</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="f-92">36,846</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="f-93">52,342</ix:nonFraction>&#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:#134f82;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="f-94">30,072,110</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="f-95">29,169,468</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="3" id="f-96">21,068,568</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="3" id="f-97">21,653,188</ix:nonFraction>&#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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-98">6,440,345</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-99">5,227,512</ix:nonFraction>&#160;</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="display:none"/><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 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:OtherLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-100">403,277</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:OtherLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-101">407,971</ix:nonFraction>&#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:#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:#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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:Liabilities" format="ixt:num-dot-decimal" scale="3" id="f-102">27,912,190</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:Liabilities" format="ixt:num-dot-decimal" scale="3" id="f-103">27,288,671</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"/></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%">Commitments and contingencies</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"><ix:nonFraction unitRef="usd" contextRef="c-7" xsi:nil="true" name="us-gaap:CommitmentsAndContingencies" id="f-104"></ix:nonFraction></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"><ix:nonFraction unitRef="usd" contextRef="c-8" xsi:nil="true" name="us-gaap:CommitmentsAndContingencies" id="f-105"></ix:nonFraction></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%">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 $<ix:nonFraction unitRef="usdPerShare" contextRef="c-8" decimals="INF" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="f-106"><ix:nonFraction unitRef="usdPerShare" contextRef="c-7" decimals="INF" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="f-107">0.20</ix:nonFraction></ix:nonFraction> per share, <ix:nonFraction unitRef="shares" contextRef="c-8" decimals="-6" name="us-gaap:PreferredStockSharesAuthorized" scale="6" id="f-108"><ix:nonFraction unitRef="shares" contextRef="c-7" decimals="-6" name="us-gaap:PreferredStockSharesAuthorized" scale="6" id="f-109">20</ix:nonFraction></ix:nonFraction> 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: <ix:nonFraction unitRef="shares" contextRef="c-7" decimals="-5" name="us-gaap:PreferredStockSharesOutstanding" scale="6" id="f-110">2.5</ix:nonFraction> million and <ix:nonFraction unitRef="shares" contextRef="c-8" decimals="-5" name="us-gaap:PreferredStockSharesOutstanding" scale="6" id="f-111">2.5</ix:nonFraction> million shares issued, respectively, at stated value of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-8" decimals="INF" name="us-gaap:PreferredStockLiquidationPreference" scale="0" id="f-112"><ix:nonFraction unitRef="usdPerShare" contextRef="c-7" decimals="INF" name="us-gaap:PreferredStockLiquidationPreference" scale="0" id="f-113">100</ix:nonFraction></ix:nonFraction> 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:PreferredStockValueOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-114">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:PreferredStockValueOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-115">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 $<ix:nonFraction unitRef="usdPerShare" contextRef="c-7" decimals="INF" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="f-116"><ix:nonFraction unitRef="usdPerShare" contextRef="c-8" decimals="INF" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="f-117">0.20</ix:nonFraction></ix:nonFraction> per share, <ix:nonFraction unitRef="shares" contextRef="c-8" decimals="-6" name="us-gaap:CommonStockSharesAuthorized" scale="9" id="f-118"><ix:nonFraction unitRef="shares" contextRef="c-7" decimals="-6" name="us-gaap:CommonStockSharesAuthorized" scale="9" id="f-119">1.125</ix:nonFraction></ix:nonFraction> billion shares authorized: <ix:nonFraction unitRef="shares" contextRef="c-7" decimals="-5" name="us-gaap:CommonStockSharesIssued" scale="6" id="f-120">440.6</ix:nonFraction> million and <ix:nonFraction unitRef="shares" contextRef="c-8" decimals="-5" name="us-gaap:CommonStockSharesIssued" scale="6" id="f-121">438.2</ix:nonFraction> 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:CommonStockValue" format="ixt:num-dot-decimal" scale="3" id="f-122">88,121</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:CommonStockValue" format="ixt:num-dot-decimal" scale="3" id="f-123">87,647</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:AdditionalPaidInCapital" format="ixt:num-dot-decimal" scale="3" id="f-124">1,193,753</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:AdditionalPaidInCapital" format="ixt:num-dot-decimal" scale="3" id="f-125">1,148,689</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 $(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" sign="-" name="us-gaap:AociTaxAttributableToParent" format="ixt:num-dot-decimal" scale="3" id="f-126">21,209</ix:nonFraction>) and $(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" sign="-" name="us-gaap:AociTaxAttributableToParent" format="ixt:num-dot-decimal" scale="3" id="f-127">24,176</ix:nonFraction>), 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%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" sign="-" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-128">65,861</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" sign="-" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-129">75,104</ix:nonFraction>)</span></td><td style="background-color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="f-130">4,114,446</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="f-131">3,624,859</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock" format="ixt:num-dot-decimal" scale="3" id="f-132">5,581,529</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock" format="ixt:num-dot-decimal" scale="3" id="f-133">5,037,161</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"/></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="c-7" decimals="-5" name="us-gaap:TreasuryStockCommonShares" scale="6" id="f-134">230.2</ix:nonFraction> million and <ix:nonFraction unitRef="shares" contextRef="c-8" decimals="-5" name="us-gaap:TreasuryStockCommonShares" scale="6" id="f-135">217.9</ix:nonFraction> 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%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TreasuryStockCommonValue" format="ixt:num-dot-decimal" scale="3" id="f-136">3,421,609</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TreasuryStockCommonValue" format="ixt:num-dot-decimal" scale="3" id="f-137">3,156,364</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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:#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:#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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-138">2,159,920</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-139">1,880,797</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"/></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 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:LiabilitiesAndStockholdersEquity" format="ixt:num-dot-decimal" scale="3" id="f-140">30,072,110</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:LiabilitiesAndStockholdersEquity" format="ixt:num-dot-decimal" scale="3" id="f-141">29,169,468</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"/></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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-7</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_103"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;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:91.520%"><tr><td style="width:1.0%"/><td style="width:56.887%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.679%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.679%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.598%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.683%"/><td style="width:0.1%"/></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 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:#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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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 colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#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%">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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:InterestAndFeeIncomeLoansAndLeases" format="ixt:num-dot-decimal" scale="3" id="f-142">2,314,417</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:InterestAndFeeIncomeLoansAndLeases" format="ixt:num-dot-decimal" scale="3" id="f-143">2,327,743</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:InterestAndFeeIncomeLoansAndLeases" format="ixt:num-dot-decimal" scale="3" id="f-144">1,914,554</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:InterestIncomeDebtSecuritiesAvailableForSaleOperating" format="ixt:num-dot-decimal" scale="3" id="f-145">61,412</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:InterestIncomeDebtSecuritiesAvailableForSaleOperating" format="ixt:num-dot-decimal" scale="3" id="f-146">50,810</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:InterestIncomeDebtSecuritiesAvailableForSaleOperating" format="ixt:num-dot-decimal" scale="3" id="f-147">35,304</ix:nonFraction>&#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%">Cash and cash equivalents</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:CashAndInvestmentsInterestIncomeLoss" format="ixt:num-dot-decimal" scale="3" id="f-148">243,217</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:CashAndInvestmentsInterestIncomeLoss" format="ixt:num-dot-decimal" scale="3" id="f-149">213,750</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:CashAndInvestmentsInterestIncomeLoss" format="ixt:num-dot-decimal" scale="3" id="f-150">81,722</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:InterestAndDividendIncomeOperating" format="ixt:num-dot-decimal" scale="3" id="f-151">2,619,046</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:InterestAndDividendIncomeOperating" format="ixt:num-dot-decimal" scale="3" id="f-152">2,592,303</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:InterestAndDividendIncomeOperating" format="ixt:num-dot-decimal" scale="3" id="f-153">2,031,580</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"/></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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#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%">Deposits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:InterestExpenseDeposits" format="ixt:num-dot-decimal" scale="3" id="f-154">881,456</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:InterestExpenseDeposits" format="ixt:num-dot-decimal" scale="3" id="f-155">808,065</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:InterestExpenseDeposits" format="ixt:num-dot-decimal" scale="3" id="f-156">368,914</ix:nonFraction>&#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%">Interest expense on short-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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:InterestExpenseShortTermBorrowings" format="ixt:num-dot-decimal" scale="3" id="f-157">13,815</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:InterestExpenseShortTermBorrowings" format="ixt:num-dot-decimal" scale="3" id="f-158">13,501</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:InterestExpenseShortTermBorrowings" format="ixt:num-dot-decimal" scale="3" id="f-159">11,956</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">Interest expense on long-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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:InterestExpenseLongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-160">242,993</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:InterestExpenseLongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-161">208,524</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:InterestExpenseLongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-162">161,929</ix:nonFraction>&#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 interest expense</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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:InterestExpenseOperating" format="ixt:num-dot-decimal" scale="3" id="f-163">1,138,264</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:InterestExpenseOperating" format="ixt:num-dot-decimal" scale="3" id="f-164">1,030,090</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:InterestExpenseOperating" format="ixt:num-dot-decimal" scale="3" id="f-165">542,799</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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="f-166">1,480,782</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="f-167">1,562,213</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="f-168">1,488,781</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-169">408,515</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-170">345,463</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-171">633,453</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="3" id="f-172">1,072,267</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="3" id="f-173">1,216,750</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="3" id="f-174">855,328</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"/></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 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 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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:GainLossOnSalesOfLoansNet" format="ixt:num-dot-decimal" scale="3" id="f-175">254,928</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:GainLossOnSalesOfLoansNet" format="ixt:num-dot-decimal" scale="3" id="f-176">160,290</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:GainLossOnSalesOfLoansNet" format="ixt:num-dot-decimal" scale="3" id="f-177">327,750</ix:nonFraction>&#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%">Gains (losses) on securities, 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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS" scale="3" id="f-178">467</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS" format="ixt:num-dot-decimal" scale="3" id="f-179">2,678</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" sign="-" name="us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS" format="ixt:num-dot-decimal" scale="3" id="f-180">60,267</ix:nonFraction>)</span></td><td style="background-color:#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%">Losses on derivatives 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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" format="ixt:fixed-zero" scale="3" id="f-181">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" format="ixt:fixed-zero" scale="3" id="f-182">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" sign="-" name="us-gaap:GainLossOnDerivativeInstrumentsNetPretax" scale="3" id="f-183">5</ix:nonFraction>)</span></td><td style="background-color:#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%">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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="f-184">112,873</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="f-185">84,148</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:NoninterestIncomeOtherOperatingIncome" format="ixt:num-dot-decimal" scale="3" id="f-186">67,160</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 non-interest 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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:NoninterestIncome" format="ixt:num-dot-decimal" scale="3" id="f-187">368,268</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:NoninterestIncome" format="ixt:num-dot-decimal" scale="3" id="f-188">247,116</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:NoninterestIncome" format="ixt:num-dot-decimal" scale="3" id="f-189">334,638</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"/></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 expenses:</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"/></tr><tr><td colspan="3" style="background-color:#ededee;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:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#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%">Compensation and 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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:LaborAndRelatedExpense" format="ixt:num-dot-decimal" scale="3" id="f-190">349,387</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:LaborAndRelatedExpense" format="ixt:num-dot-decimal" scale="3" id="f-191">326,554</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:LaborAndRelatedExpense" format="ixt:num-dot-decimal" scale="3" id="f-192">270,354</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">FDIC assessment 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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FederalDepositInsuranceCorporationPremiumExpense" format="ixt:num-dot-decimal" scale="3" id="f-193">51,606</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FederalDepositInsuranceCorporationPremiumExpense" format="ixt:num-dot-decimal" scale="3" id="f-194">45,766</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:FederalDepositInsuranceCorporationPremiumExpense" format="ixt:num-dot-decimal" scale="3" id="f-195">20,939</ix:nonFraction>&#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%">Other operating 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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:OtherNoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-196">235,577</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:OtherNoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-197">246,886</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:OtherNoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-198">260,169</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:OperatingExpensesExcludingAmortizationOfIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-199">636,570</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:OperatingExpensesExcludingAmortizationOfIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-200">619,206</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:OperatingExpensesExcludingAmortizationOfIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-201">551,462</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 impairment and amortization 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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-202">5,329</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-203">66,364</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-204">7,779</ix:nonFraction>&#160;</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%">Total non-interest expenses</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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-205">641,899</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-206">685,570</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-207">559,241</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-208">798,636</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-209">778,296</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-210">630,725</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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-211">190,311</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-212">196,905</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-213">161,711</ix:nonFraction>&#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:#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:#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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-214">608,325</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-215">581,391</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-216">469,014</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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="f-217">18,296</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="f-218">17,705</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="f-219">9,029</ix:nonFraction>&#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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="f-220">590,029</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="f-221">563,686</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="f-222">459,985</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Basic earnings per common share</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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="c-1" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="f-223">2.73</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 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%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="f-224">2.44</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="f-225">1.78</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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:#ffffff;padding:0 1pt"/><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%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-3" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="3" id="f-226">216,220</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 colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><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%"><ix:nonFraction unitRef="shares" contextRef="c-9" decimals="-3" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="3" id="f-227">231,411</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 colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><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%"><ix:nonFraction unitRef="shares" contextRef="c-10" decimals="-3" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="3" id="f-228">258,439</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"/></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-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%">$</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="f-229">2.68</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="f-230">2.41</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 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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="f-231">1.76</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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:#ffffff;padding:0 1pt"/><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%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-3" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-232">219,934</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 colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><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%"><ix:nonFraction unitRef="shares" contextRef="c-9" decimals="-3" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-233">234,063</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 colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><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%"><ix:nonFraction unitRef="shares" contextRef="c-10" decimals="-3" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-234">261,503</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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="f-235">0.46</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 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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="f-236">0.44</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="f-237">0.44</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"/></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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">8    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_106"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;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><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 style="width:51.036%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.705%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.771%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.654%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.771%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.654%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.409%"/><td style="width:0.1%"/></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 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:#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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-238">608,325</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-239">581,391</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-240">469,014</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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:</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%">Unrealized gains (losses) on 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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-241">42,604</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-242">59,205</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-243">194,157</ix:nonFraction>)</span></td><td style="background-color:#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%">Unrealized gains (losses) on cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" format="ixt:num-dot-decimal" scale="3" id="f-244">30,394</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" format="ixt:num-dot-decimal" scale="3" id="f-245">34,457</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" format="ixt:num-dot-decimal" scale="3" id="f-246">93,731</ix:nonFraction>&#160;</span></td><td style="background-color:#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 unrealized gains (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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-247">12,210</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-248">24,748</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-249">100,426</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossTax" format="ixt:num-dot-decimal" scale="3" id="f-250">2,967</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossTax" format="ixt:num-dot-decimal" scale="3" id="f-251">5,982</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossTax" format="ixt:num-dot-decimal" scale="3" id="f-252">24,453</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 comprehensive income (loss), net of tax (expense) benefit</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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-253">9,243</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-254">18,766</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-255">75,973</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"/></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 style="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="c-1" decimals="-3" name="us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-256">617,568</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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-257">600,157</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-258">393,041</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"/></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><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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-9</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_109"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></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="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:18.705%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.393%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.151%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.151%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.934%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.635%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.635%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.393%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.960%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.177%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.157%"/><td style="width:0.1%"/></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 colspan="3" style="border-bottom:1pt solid #000;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="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="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: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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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%">(In thousands, except share and per share amounts)</span></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%">Preferred Stock Shares</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%">Issued</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%">Treasury</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%">Outstanding</span></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%">Preferred Stock</span></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%">Common Stock</span></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%">Additional Paid-In Capital</span></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%">Accumulated<br/>Other<br/>Comprehensive <br/>Income (Loss)</span></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%">Retained Earnings</span></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%">Treasury Stock</span></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%">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, 2021</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:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-11" decimals="INF" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-259">2,510,696</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 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%"><ix:nonFraction unitRef="shares" contextRef="c-12" decimals="INF" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-260">432,013,372</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 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%">(<ix:nonFraction unitRef="shares" contextRef="c-13" decimals="INF" name="us-gaap:TreasuryStockCommonShares" format="ixt:num-dot-decimal" scale="0" id="f-261">153,056,639</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 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%"><ix:nonFraction unitRef="shares" contextRef="c-12" decimals="INF" name="us-gaap:CommonStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-262">278,956,733</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-11" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-263">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-12" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-264">86,403</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-14" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-265">1,074,384</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-15" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-266">17,897</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-16" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-267">2,817,134</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-13" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-268">2,061,383</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-17" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-269">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"/></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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-18" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-270">469,014</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-271">469,014</ix:nonFraction>&#160;</span></td><td style="background-color:#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: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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-19" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-272">75,973</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-273">75,973</ix:nonFraction>)</span></td><td style="background-color:#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:700;line-height:100%">Total comprehensive 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: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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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="c-10" decimals="-3" name="us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-274">393,041</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"/></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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#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"><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="c-10" decimals="INF" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="f-275">0.44</ix:nonFraction> 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: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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-18" decimals="-3" name="us-gaap:DividendsCommonStockCash" format="ixt:num-dot-decimal" scale="3" id="f-276">112,961</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:DividendsCommonStockCash" format="ixt:num-dot-decimal" scale="3" id="f-277">112,961</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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: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="c-20" decimals="INF" name="us-gaap:PreferredStockDividendRatePerDollarAmount" scale="0" id="f-278">3.60</ix:nonFraction> per share)</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%">&#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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-21" decimals="-3" name="us-gaap:DividendsPreferredStockCash" format="ixt:num-dot-decimal" scale="3" id="f-279">9,029</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-20" decimals="-3" name="us-gaap:DividendsPreferredStockCash" format="ixt:num-dot-decimal" scale="3" id="f-280">9,029</ix:nonFraction>)</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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"><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:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-22" decimals="INF" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="f-281">3,107,768</ix:nonFraction>&#160;</span></td><td style="background-color:#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:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-22" decimals="INF" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="f-282">3,107,768</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-22" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" scale="3" id="f-283">622</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-23" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" scale="3" id="f-284">618</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-18" decimals="-3" sign="-" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" scale="3" id="f-285">807</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" scale="3" id="f-286">433</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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:700;line-height:100%">Stock-based compensation 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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-23" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" format="ixt:num-dot-decimal" scale="3" id="f-287">34,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-18" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" scale="3" id="f-288">289</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" format="ixt:num-dot-decimal" scale="3" id="f-289">34,359</ix:nonFraction>&#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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"><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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-24" decimals="INF" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="f-290">40,253,548</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-22" decimals="INF" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="f-291">40,253,548</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-24" decimals="-3" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="f-292">707,742</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="f-293">707,742</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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: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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-24" decimals="INF" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="f-294">1,135,509</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-22" decimals="INF" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="f-295">1,135,509</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-24" decimals="-3" name="us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="f-296">20,842</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="f-297">20,842</ix:nonFraction>)</span></td><td style="background-color:#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:7pt;font-weight:700;line-height:100%">Balance at December 31, 2022</span></td><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:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-25" decimals="INF" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-298">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 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:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-26" decimals="INF" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-299">435,121,140</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 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:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="c-27" decimals="INF" name="us-gaap:TreasuryStockCommonShares" format="ixt:num-dot-decimal" scale="0" id="f-300">194,445,696</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 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:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-26" decimals="INF" name="us-gaap:CommonStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-301">240,675,444</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 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: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="c-25" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-302">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 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:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-26" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-303">87,025</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-28" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-304">1,109,072</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 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:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-29" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-305">93,870</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-30" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-306">3,163,640</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 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:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-27" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-307">2,789,967</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-31" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-308">1,726,970</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"/></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><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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">10    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;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"><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:17.947%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.393%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.151%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.151%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.934%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.635%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.419%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.393%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.177%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.934%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.157%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom: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%">CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY</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"/><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="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="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:#144f82;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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Balance at December 31, 2022</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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-25" decimals="INF" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-309">2,510,696</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 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%"><ix:nonFraction unitRef="shares" contextRef="c-26" decimals="INF" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-310">435,121,140</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 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%">(<ix:nonFraction unitRef="shares" contextRef="c-27" decimals="INF" name="us-gaap:TreasuryStockCommonShares" format="ixt:num-dot-decimal" scale="0" id="f-311">194,445,696</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 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%"><ix:nonFraction unitRef="shares" contextRef="c-26" decimals="INF" name="us-gaap:CommonStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-312">240,675,444</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-25" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-313">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-26" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-314">87,025</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-28" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-315">1,109,072</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-29" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-316">93,870</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-30" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-317">3,163,640</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-27" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-318">2,789,967</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-319">1,726,970</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"/></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:7.5pt;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;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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-32" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-320">581,391</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-321">581,391</ix:nonFraction>&#160;</span></td><td style="background-color:#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:7.5pt;font-weight:700;line-height:100%">Other comprehensive income, net of tax</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-33" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-322">18,766</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-323">18,766</ix:nonFraction>&#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:7.5pt;font-weight:700;line-height:100%">Total comprehensive 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: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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-324">600,157</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"/></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:7.5pt;font-weight:700;line-height:100%">Cash dividends declared:</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"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#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"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Common stock (<ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="INF" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="f-325">0.44</ix:nonFraction> 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: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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-32" decimals="-3" name="us-gaap:DividendsCommonStockCash" format="ixt:num-dot-decimal" scale="3" id="f-326">101,233</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:DividendsCommonStockCash" format="ixt:num-dot-decimal" scale="3" id="f-327">101,233</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Preferred Stock, Series B ($<ix:nonFraction unitRef="usdPerShare" contextRef="c-34" decimals="INF" name="us-gaap:PreferredStockDividendRatePerDollarAmount" scale="0" id="f-328">7.05</ix:nonFraction> per share)</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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-35" decimals="-3" name="us-gaap:DividendsPreferredStockCash" format="ixt:num-dot-decimal" scale="3" id="f-329">17,705</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-34" decimals="-3" name="us-gaap:DividendsPreferredStockCash" format="ixt:num-dot-decimal" scale="3" id="f-330">17,705</ix:nonFraction>)</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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Issuance of common shares</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="shares" contextRef="c-36" decimals="INF" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="f-331">3,109,276</ix:nonFraction>&#160;</span></td><td style="background-color:#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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-36" decimals="INF" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="f-332">3,109,276</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-36" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" scale="3" id="f-333">622</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-37" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" format="ixt:num-dot-decimal" scale="3" id="f-334">3,237</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-32" decimals="-3" sign="-" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" format="ixt:num-dot-decimal" scale="3" id="f-335">1,234</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" format="ixt:num-dot-decimal" scale="3" id="f-336">2,625</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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:7.5pt;font-weight:700;line-height:100%">Stock-based compensation 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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-37" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" format="ixt:num-dot-decimal" scale="3" id="f-337">36,380</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" format="ixt:num-dot-decimal" scale="3" id="f-338">36,380</ix:nonFraction>&#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:7.5pt;font-weight:700;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: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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="shares" contextRef="c-38" decimals="INF" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="f-339">22,341,595</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="shares" contextRef="c-36" decimals="INF" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="f-340">22,341,595</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-38" decimals="-3" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="f-341">349,397</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="f-342">349,397</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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:7.5pt;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 colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="shares" contextRef="c-38" decimals="INF" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="f-343">1,099,241</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="shares" contextRef="c-36" decimals="INF" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="f-344">1,099,241</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-38" decimals="-3" name="us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="f-345">17,000</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="f-346">17,000</ix:nonFraction>)</span></td><td style="background-color:#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:7.5pt;font-weight:700;line-height:100%">Balance at December 31, 2023</span></td><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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-39" decimals="INF" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-347">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 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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-40" decimals="INF" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-348">438,230,416</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 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:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="c-41" decimals="INF" name="us-gaap:TreasuryStockCommonShares" format="ixt:num-dot-decimal" scale="0" id="f-349">217,886,532</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 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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-40" decimals="INF" name="us-gaap:CommonStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-350">220,343,884</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 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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-39" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-351">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-40" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-352">87,647</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 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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-42" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-353">1,148,689</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-43" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-354">75,104</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 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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-44" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-355">3,624,859</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-41" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-356">3,156,364</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 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:7.5pt;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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-357">1,880,797</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"/></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><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 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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-11</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;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"><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:17.947%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.393%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.151%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.151%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.934%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.635%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.419%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.393%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.558%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.177%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.934%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.341%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.157%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom: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%">CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY</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"/><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="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="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:#144f82;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 colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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 colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;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:7.5pt;font-weight:700;line-height:100%">Balance at December 31, 2023</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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-39" decimals="INF" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-358">2,510,696</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 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%"><ix:nonFraction unitRef="shares" contextRef="c-40" decimals="INF" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-359">438,230,416</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 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%">(<ix:nonFraction unitRef="shares" contextRef="c-41" decimals="INF" name="us-gaap:TreasuryStockCommonShares" format="ixt:num-dot-decimal" scale="0" id="f-360">217,886,532</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 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%"><ix:nonFraction unitRef="shares" contextRef="c-40" decimals="INF" name="us-gaap:CommonStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-361">220,343,884</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-39" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-362">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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-40" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-363">87,647</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-42" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-364">1,148,689</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-43" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-365">75,104</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-44" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-366">3,624,859</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-41" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-367">3,156,364</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-368">1,880,797</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"/></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:7.5pt;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;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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-45" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-369">608,325</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-370">608,325</ix:nonFraction>&#160;</span></td><td style="background-color:#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:7.5pt;font-weight:700;line-height:100%">Other comprehensive income, net of tax</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-46" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-371">9,243</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-372">9,243</ix:nonFraction>&#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:7.5pt;font-weight:700;line-height:100%">Total comprehensive 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: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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-373">617,568</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"/></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:7.5pt;font-weight:700;line-height:100%">Cash dividends declared:</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"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#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"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Common stock ($<ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="INF" name="us-gaap:CommonStockDividendsPerShareDeclared" scale="0" id="f-374">0.46</ix:nonFraction> 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: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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-45" decimals="-3" name="us-gaap:DividendsCommonStockCash" format="ixt:num-dot-decimal" scale="3" id="f-375">99,172</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:DividendsCommonStockCash" format="ixt:num-dot-decimal" scale="3" id="f-376">99,172</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Preferred Stock, Series B ($<ix:nonFraction unitRef="usdPerShare" contextRef="c-47" decimals="INF" name="us-gaap:PreferredStockDividendRatePerDollarAmount" scale="0" id="f-377">7.29</ix:nonFraction> per share)</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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-48" decimals="-3" name="us-gaap:DividendsPreferredStockCash" format="ixt:num-dot-decimal" scale="3" id="f-378">18,296</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-47" decimals="-3" name="us-gaap:DividendsPreferredStockCash" format="ixt:num-dot-decimal" scale="3" id="f-379">18,296</ix:nonFraction>)</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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:700;line-height:100%">Issuance of common shares</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="shares" contextRef="c-49" decimals="INF" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="f-380">2,374,379</ix:nonFraction>&#160;</span></td><td style="background-color:#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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-49" decimals="INF" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="f-381">2,374,379</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-49" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" scale="3" id="f-382">474</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-50" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" format="ixt:num-dot-decimal" scale="3" id="f-383">5,068</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-45" decimals="-3" sign="-" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" format="ixt:num-dot-decimal" scale="3" id="f-384">1,270</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" format="ixt:num-dot-decimal" scale="3" id="f-385">4,272</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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:7.5pt;font-weight:700;line-height:100%">Stock-based compensation 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: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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-50" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" format="ixt:num-dot-decimal" scale="3" id="f-386">39,996</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-45" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" format="ixt:fixed-zero" scale="3" id="f-387">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" format="ixt:num-dot-decimal" scale="3" id="f-388">39,996</ix:nonFraction>&#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:7.5pt;font-weight:700;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: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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="shares" contextRef="c-51" decimals="INF" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="f-389">11,586,103</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="shares" contextRef="c-49" decimals="INF" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="f-390">11,586,103</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-51" decimals="-3" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="f-391">250,108</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-1" decimals="-3" name="us-gaap:TreasuryStockValueAcquiredParValueMethod" format="ixt:num-dot-decimal" scale="3" id="f-392">250,108</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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:7.5pt;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 colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="shares" contextRef="c-51" decimals="INF" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="f-393">749,866</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="shares" contextRef="c-49" decimals="INF" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="f-394">749,866</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-51" decimals="-3" name="us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="f-395">15,137</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="f-396">15,137</ix:nonFraction>)</span></td><td style="background-color:#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:7.5pt;font-weight:700;line-height:100%">Balance at December 31, 2024</span></td><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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-52" decimals="INF" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-397">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 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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-53" decimals="INF" name="us-gaap:SharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-398">440,604,795</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 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:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="c-54" decimals="INF" name="us-gaap:TreasuryStockCommonShares" format="ixt:num-dot-decimal" scale="0" id="f-399">230,222,501</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 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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-53" decimals="INF" name="us-gaap:CommonStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-400">210,382,294</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 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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-52" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-401">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-53" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-402">88,121</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 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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-55" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-403">1,193,753</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-56" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-404">65,861</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 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:7.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-57" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-405">4,114,446</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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:7.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-54" decimals="-3" sign="-" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-406">3,421,609</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 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:7.5pt;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:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-407">2,159,920</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"/></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><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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">12    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_112"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></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:81.805%"><tr><td style="width:1.0%"/><td style="width:64.944%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.648%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.596%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.648%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.648%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.260%"/><td style="width:0.1%"/></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 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:#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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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 colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#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%">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: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="c-1" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-408">608,325</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-409">581,391</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-410">469,014</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Adjustments to reconcile net income to net cash provided by (used in) 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 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 colspan="2" style="background-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="c-1" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-411">408,515</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-412">345,463</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-413">633,453</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Deferred tax provision (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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="us-gaap:DeferredIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-414">34,327</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" sign="-" name="us-gaap:DeferredIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-415">23,224</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" sign="-" name="us-gaap:DeferredIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-416">93,670</ix:nonFraction>)</span></td><td style="background-color:#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%">Amortization of brokered deposit placement fee</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-1" decimals="-3" name="slm:AmortizationofBrokeredDepositPlacement" format="ixt:num-dot-decimal" scale="3" id="f-417">10,529</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="slm:AmortizationofBrokeredDepositPlacement" format="ixt:num-dot-decimal" scale="3" id="f-418">11,681</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:AmortizationofBrokeredDepositPlacement" format="ixt:num-dot-decimal" scale="3" id="f-419">12,904</ix:nonFraction>&#160;</span></td><td style="background-color:#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: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 colspan="2" style="background-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="c-1" decimals="-3" name="slm:AmortizationOfABCPUpfrontLoanFees" format="ixt:num-dot-decimal" scale="3" id="f-420">2,359</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="slm:AmortizationOfABCPUpfrontLoanFees" format="ixt:num-dot-decimal" scale="3" id="f-421">2,869</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:AmortizationOfABCPUpfrontLoanFees" format="ixt:num-dot-decimal" scale="3" id="f-422">2,634</ix:nonFraction>&#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%">Amortization of deferred loan origination costs and loan premium/(discounts), 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="us-gaap:AmortizationOfDeferredLoanOriginationFeesNet" format="ixt:num-dot-decimal" scale="3" id="f-423">12,883</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" sign="-" name="us-gaap:AmortizationOfDeferredLoanOriginationFeesNet" format="ixt:num-dot-decimal" scale="3" id="f-424">12,583</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" sign="-" name="us-gaap:AmortizationOfDeferredLoanOriginationFeesNet" format="ixt:num-dot-decimal" scale="3" id="f-425">14,804</ix:nonFraction>&#160;</span></td><td style="background-color:#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: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 colspan="2" style="background-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="c-1" decimals="-3" name="us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments" format="ixt:num-dot-decimal" scale="3" id="f-426">1,772</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments" format="ixt:num-dot-decimal" scale="3" id="f-427">2,726</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" sign="-" name="us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments" scale="3" id="f-428">103</ix:nonFraction>&#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%">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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:InterestIncomeonTaxIndemnificationReceivable" format="ixt:fixed-zero" scale="3" id="f-429">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" sign="-" name="slm:InterestIncomeonTaxIndemnificationReceivable" format="ixt:num-dot-decimal" scale="3" id="f-430">2,816</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" sign="-" name="slm:InterestIncomeonTaxIndemnificationReceivable" format="ixt:num-dot-decimal" scale="3" id="f-431">5,231</ix:nonFraction>&#160;</span></td><td style="background-color:#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: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 colspan="2" style="background-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="c-1" decimals="-3" name="us-gaap:Depreciation" format="ixt:num-dot-decimal" scale="3" id="f-432">17,652</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:Depreciation" format="ixt:num-dot-decimal" scale="3" id="f-433">17,811</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:Depreciation" format="ixt:num-dot-decimal" scale="3" id="f-434">17,331</ix:nonFraction>&#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%">Acquired intangible assets impairment and amortization 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-435">5,329</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-436">66,364</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-437">7,779</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Stock-based compensation 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:ShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="f-438">39,996</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:ShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="f-439">36,380</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:ShareBasedCompensation" format="ixt:num-dot-decimal" scale="3" id="f-440">34,461</ix:nonFraction>&#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%">Unrealized (gains) losses on derivative and hedging activities, 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="us-gaap:UnrealizedGainLossOnDerivatives" scale="3" id="f-441">65</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:UnrealizedGainLossOnDerivatives" scale="3" id="f-442">341</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" sign="-" name="us-gaap:UnrealizedGainLossOnDerivatives" scale="3" id="f-443">269</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Gains on sale of loans, 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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:GainLossOnSalesOfLoansNet" format="ixt:num-dot-decimal" scale="3" id="f-444">254,928</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:GainLossOnSalesOfLoansNet" format="ixt:num-dot-decimal" scale="3" id="f-445">160,290</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:GainLossOnSalesOfLoansNet" format="ixt:num-dot-decimal" scale="3" id="f-446">327,750</ix:nonFraction>)</span></td><td style="background-color:#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%">(Gains) losses on securities, 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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS" scale="3" id="f-447">467</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS" format="ixt:num-dot-decimal" scale="3" id="f-448">2,678</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" sign="-" name="us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS" format="ixt:num-dot-decimal" scale="3" id="f-449">60,267</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Acquisition transaction costs, 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:AmortizationOfAcquisitionCosts" format="ixt:fixed-zero" scale="3" id="f-450">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:AmortizationOfAcquisitionCosts" scale="3" id="f-451">952</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:AmortizationOfAcquisitionCosts" format="ixt:num-dot-decimal" scale="3" id="f-452">2,603</ix:nonFraction>&#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 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 colspan="2" style="background-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="c-1" decimals="-3" sign="-" name="us-gaap:OtherNoncashIncomeExpense" format="ixt:num-dot-decimal" scale="3" id="f-453">12,563</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" sign="-" name="us-gaap:OtherNoncashIncomeExpense" format="ixt:num-dot-decimal" scale="3" id="f-454">16,212</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" sign="-" name="us-gaap:OtherNoncashIncomeExpense" format="ixt:num-dot-decimal" scale="3" id="f-455">14,213</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Changes in operating assets and 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 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 colspan="2" style="background-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="c-1" decimals="-3" name="us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet" format="ixt:num-dot-decimal" scale="3" id="f-456">1,110,434</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet" format="ixt:num-dot-decimal" scale="3" id="f-457">1,054,071</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet" format="ixt:num-dot-decimal" scale="3" id="f-458">819,958</ix:nonFraction>)</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Increase in trading 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:PaymentsToAcquireTradingSecuritiesHeldForSale" format="ixt:fixed-zero" scale="3" id="f-459">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="slm:PaymentsToAcquireTradingSecuritiesHeldForSale" format="ixt:fixed-zero" scale="3" id="f-460">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:PaymentsToAcquireTradingSecuritiesHeldForSale" format="ixt:num-dot-decimal" scale="3" id="f-461">5,117</ix:nonFraction>)</span></td><td style="background-color:#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%">Increase in non-marketable 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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:IncreaseDecreaseInEquitySecuritiesFvNi" format="ixt:num-dot-decimal" scale="3" id="f-462">11,336</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:IncreaseDecreaseInEquitySecuritiesFvNi" format="ixt:num-dot-decimal" scale="3" id="f-463">1,256</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:IncreaseDecreaseInEquitySecuritiesFvNi" format="ixt:num-dot-decimal" scale="3" id="f-464">2,050</ix:nonFraction>)</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">(Increase) decrease in other interest-earning 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="us-gaap:PaymentsForProceedsFromOtherInterestEarningAssets" format="ixt:num-dot-decimal" scale="3" id="f-465">4,349</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" sign="-" name="us-gaap:PaymentsForProceedsFromOtherInterestEarningAssets" format="ixt:num-dot-decimal" scale="3" id="f-466">1,933</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:PaymentsForProceedsFromOtherInterestEarningAssets" format="ixt:num-dot-decimal" scale="3" id="f-467">1,507</ix:nonFraction>)</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 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:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-1" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" format="ixt:num-dot-decimal" scale="3" id="f-468">6,531</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" format="ixt:num-dot-decimal" scale="3" id="f-469">38,902</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" format="ixt:num-dot-decimal" scale="3" id="f-470">23,472</ix:nonFraction>)</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Increase (decrease) in income tax 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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable" format="ixt:num-dot-decimal" scale="3" id="f-471">20,408</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable" format="ixt:num-dot-decimal" scale="3" id="f-472">36,723</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable" format="ixt:num-dot-decimal" scale="3" id="f-473">15,063</ix:nonFraction>)</span></td><td style="background-color:#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%">Increase (decrease) in accrued interest payable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-1" decimals="-3" name="us-gaap:IncreaseDecreaseInInterestPayableNet" format="ixt:num-dot-decimal" scale="3" id="f-474">3,423</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:IncreaseDecreaseInInterestPayableNet" format="ixt:num-dot-decimal" scale="3" id="f-475">33,480</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:IncreaseDecreaseInInterestPayableNet" format="ixt:num-dot-decimal" scale="3" id="f-476">24,986</ix:nonFraction>&#160;</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 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 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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-477">15,180</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-478">27,807</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-479">6,473</ix:nonFraction>)</span></td><td style="background-color:#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 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 colspan="2" style="background-color:#ffffff;border-top:1pt 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="c-1" decimals="-3" sign="-" name="us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-480">937,720</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" sign="-" name="us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-481">726,028</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" sign="-" name="us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-482">464,022</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"/></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) 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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-483">329,395</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-484">144,637</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-485">4,992</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"/></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 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 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 colspan="2" style="background-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="c-1" decimals="-3" name="slm:StudentLoansacquiredandoriginated" format="ixt:num-dot-decimal" scale="3" id="f-486">7,064,230</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="slm:StudentLoansacquiredandoriginated" format="ixt:num-dot-decimal" scale="3" id="f-487">6,452,199</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:StudentLoansacquiredandoriginated" format="ixt:num-dot-decimal" scale="3" id="f-488">6,081,389</ix:nonFraction>)</span></td><td style="background-color:#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 proceeds from sales of loans held for investment and 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale" format="ixt:num-dot-decimal" scale="3" id="f-489">4,246,602</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="slm:NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale" format="ixt:num-dot-decimal" scale="3" id="f-490">3,198,502</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale" format="ixt:num-dot-decimal" scale="3" id="f-491">3,459,527</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Proceeds from FFELP Loan claim 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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:ProceedsfromClaimpayments" format="ixt:num-dot-decimal" scale="3" id="f-492">27,579</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="slm:ProceedsfromClaimpayments" format="ixt:num-dot-decimal" scale="3" id="f-493">50,145</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:ProceedsfromClaimpayments" format="ixt:num-dot-decimal" scale="3" id="f-494">33,197</ix:nonFraction>&#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 decrease in loans held for investment and loans held for sale (other than loans acquired and originated, and loan sales)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-1" decimals="-3" sign="-" name="slm:NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale" format="ixt:num-dot-decimal" scale="3" id="f-495">2,725,473</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" sign="-" name="slm:NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale" format="ixt:num-dot-decimal" scale="3" id="f-496">3,046,064</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" sign="-" name="slm:NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale" format="ixt:num-dot-decimal" scale="3" id="f-497">3,586,825</ix:nonFraction>&#160;</span></td><td style="background-color:#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: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 colspan="2" style="background-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="c-1" decimals="-3" name="us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-498">91,881</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-499">105,970</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-500">753,129</ix:nonFraction>)</span></td><td style="background-color:#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%">Proceeds from sales and maturities of available-for-sale 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" format="ixt:num-dot-decimal" scale="3" id="f-501">832,450</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" format="ixt:num-dot-decimal" scale="3" id="f-502">265,652</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" format="ixt:num-dot-decimal" scale="3" id="f-503">960,015</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Purchase of subsidiary, net of cash acquired</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-1" decimals="-3" name="us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates" format="ixt:fixed-zero" scale="3" id="f-504">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates" format="ixt:num-dot-decimal" scale="3" id="f-505">14,654</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates" format="ixt:num-dot-decimal" scale="3" id="f-506">127,654</ix:nonFraction>)</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:#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 colspan="2" style="background-color:#ffffff;border-top:1pt 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="c-1" decimals="-3" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="3" id="f-507">675,993</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="3" id="f-508">12,460</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="3" id="f-509">1,077,392</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"/></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 colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#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:8pt;font-weight:400;line-height:100%">Brokered deposit placement fee</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-1" decimals="-3" name="slm:Cashpaidforbrokereddepositplacementfee" format="ixt:num-dot-decimal" scale="3" id="f-510">7,975</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="slm:Cashpaidforbrokereddepositplacementfee" format="ixt:num-dot-decimal" scale="3" id="f-511">7,841</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:Cashpaidforbrokereddepositplacementfee" format="ixt:num-dot-decimal" scale="3" id="f-512">11,170</ix:nonFraction>)</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Net increase in 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:Netincreasedecreaseinbrokeredcertificatesofdeposit" format="ixt:num-dot-decimal" scale="3" id="f-513">88,444</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="slm:Netincreasedecreaseinbrokeredcertificatesofdeposit" format="ixt:num-dot-decimal" scale="3" id="f-514">953,412</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:Netincreasedecreaseinbrokeredcertificatesofdeposit" format="ixt:num-dot-decimal" scale="3" id="f-515">130,109</ix:nonFraction>&#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 increase (decrease) in other deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-1" decimals="-3" sign="-" name="slm:NetincreaseinMMDAdeposits" format="ixt:num-dot-decimal" scale="3" id="f-516">687,108</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" sign="-" name="slm:NetincreaseinMMDAdeposits" format="ixt:num-dot-decimal" scale="3" id="f-517">770,485</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:NetincreaseinMMDAdeposits" format="ixt:num-dot-decimal" scale="3" id="f-518">570,147</ix:nonFraction>&#160;</span></td><td style="background-color:#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: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 colspan="2" style="background-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="c-58" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:fixed-zero" scale="3" id="f-519">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-59" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" scale="3" id="f-520">15</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-60" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" scale="3" id="f-521">40</ix:nonFraction>)</span></td><td style="background-color:#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%">Borrowings collateralized by loans in securitization trusts - issued</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-1" decimals="-3" name="slm:BorrowingsCollateralizedByLoansInTrustIssued" format="ixt:num-dot-decimal" scale="3" id="f-522">2,206,704</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="slm:BorrowingsCollateralizedByLoansInTrustIssued" format="ixt:num-dot-decimal" scale="3" id="f-523">1,135,036</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:BorrowingsCollateralizedByLoansInTrustIssued" format="ixt:num-dot-decimal" scale="3" id="f-524">572,640</ix:nonFraction>&#160;</span></td><td style="background-color:#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: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 colspan="2" style="background-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="c-1" decimals="-3" name="slm:BorrowingsCollateralizedByLoansInTrustRepaid" format="ixt:num-dot-decimal" scale="3" id="f-525">1,004,117</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="slm:BorrowingsCollateralizedByLoansInTrustRepaid" format="ixt:num-dot-decimal" scale="3" id="f-526">1,154,269</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:BorrowingsCollateralizedByLoansInTrustRepaid" format="ixt:num-dot-decimal" scale="3" id="f-527">1,278,183</ix:nonFraction>)</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="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 on 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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="slm:NetIncreaseDecreaseinUpfrontLoanFees" format="ixt:num-dot-decimal" scale="3" id="f-528">2,357</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" sign="-" name="slm:NetIncreaseDecreaseinUpfrontLoanFees" format="ixt:num-dot-decimal" scale="3" id="f-529">2,868</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" sign="-" name="slm:NetIncreaseDecreaseinUpfrontLoanFees" format="ixt:num-dot-decimal" scale="3" id="f-530">2,833</ix:nonFraction>)</span></td><td style="background-color:#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: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 colspan="2" style="background-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="c-61" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:fixed-zero" scale="3" id="f-531">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-62" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:fixed-zero" scale="3" id="f-532">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-63" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" scale="3" id="f-533">375</ix:nonFraction>)</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="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 colspan="2" style="background-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="c-1" decimals="-3" name="us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock" format="ixt:num-dot-decimal" scale="3" id="f-534">18,296</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock" format="ixt:num-dot-decimal" scale="3" id="f-535">17,705</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock" format="ixt:num-dot-decimal" scale="3" id="f-536">9,029</ix:nonFraction>)</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></table></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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-13</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></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 style="width:64.944%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.648%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.596%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.648%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.648%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.260%"/><td style="width:0.1%"/></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 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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:PaymentsOfDividendsCommonStock" format="ixt:num-dot-decimal" scale="3" id="f-537">99,172</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:PaymentsOfDividendsCommonStock" format="ixt:num-dot-decimal" scale="3" id="f-538">101,233</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:PaymentsOfDividendsCommonStock" format="ixt:num-dot-decimal" scale="3" id="f-539">112,961</ix:nonFraction>)</span></td><td style="background-color:#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%">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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="3" id="f-540">247,968</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-9" decimals="-3" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="3" id="f-541">350,264</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="3" id="f-542">713,197</ix:nonFraction>)</span></td><td style="background-color:#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 cash provided by (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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="3" id="f-543">228,155</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="3" id="f-544">316,232</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="3" id="f-545">854,892</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"/></tr><tr><td colspan="3" 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%">Net increase (decrease) in cash, cash equivalents and restricted cash</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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" format="ixt:num-dot-decimal" scale="3" id="f-546">574,753</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" sign="-" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" format="ixt:num-dot-decimal" scale="3" id="f-547">473,329</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" format="ixt:num-dot-decimal" scale="3" id="f-548">227,492</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"/></tr><tr><td colspan="3" 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%">Cash, cash equivalents and restricted cash 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="f-549">4,299,507</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-31" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="f-550">4,772,836</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-17" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="f-551">4,545,344</ix:nonFraction>&#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:#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:#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="f-552">4,874,260</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="f-553">4,299,507</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="f-554">4,772,836</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash disbursements made for:</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-1" decimals="-3" name="us-gaap:InterestPaidNet" format="ixt:num-dot-decimal" scale="3" id="f-555">1,109,084</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:InterestPaidNet" format="ixt:num-dot-decimal" scale="3" id="f-556">963,260</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:InterestPaidNet" format="ixt:num-dot-decimal" scale="3" id="f-557">482,974</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Income taxes paid</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:IncomeTaxesPaid" format="ixt:num-dot-decimal" scale="3" id="f-558">243,341</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-9" decimals="-3" name="us-gaap:IncomeTaxesPaid" format="ixt:num-dot-decimal" scale="3" id="f-559">191,690</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:IncomeTaxesPaid" format="ixt:num-dot-decimal" scale="3" id="f-560">272,940</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income taxes refunded</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:ProceedsFromIncomeTaxRefunds" format="ixt:num-dot-decimal" scale="3" id="f-561">1,395</ix:nonFraction>)</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:ProceedsFromIncomeTaxRefunds" format="ixt:num-dot-decimal" scale="3" id="f-562">8,201</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:ProceedsFromIncomeTaxRefunds" format="ixt:num-dot-decimal" scale="3" id="f-563">2,043</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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: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:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#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:8pt;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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-564">4,700,366</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-565">4,149,838</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-566">4,616,117</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Restricted cash</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-7" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="f-567">173,894</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-8" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="f-568">149,669</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-31" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="f-569">156,719</ix:nonFraction>&#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:8pt;font-weight:700;line-height:100%">Total cash, cash equivalents and restricted cash</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="f-570">4,874,260</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="f-571">4,299,507</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="3" id="f-572">4,772,836</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"/></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%">Supplemental non-cash operating and investing activities:</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 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%">Accrued interest capitalized during the period</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:InterestCostsCapitalized" format="ixt:num-dot-decimal" scale="3" id="f-573">632,504</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:InterestCostsCapitalized" format="ixt:num-dot-decimal" scale="3" id="f-574">632,649</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:InterestCostsCapitalized" format="ixt:num-dot-decimal" scale="3" id="f-575">589,725</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Trading investments received in consideration for loans sold</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:TradingInvestmentReceivedInConsiderationForLoansSold" format="ixt:num-dot-decimal" scale="3" id="f-576">5,218</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:TradingInvestmentReceivedInConsiderationForLoansSold" format="ixt:num-dot-decimal" scale="3" id="f-577">5,327</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-10" decimals="-3" name="slm:TradingInvestmentReceivedInConsiderationForLoansSold" format="ixt:num-dot-decimal" scale="3" id="f-578">16,477</ix:nonFraction>&#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%">Available-for-sale investments received in consideration for loans sold</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold" format="ixt:num-dot-decimal" scale="3" id="f-579">210,371</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold" format="ixt:num-dot-decimal" scale="3" id="f-580">162,256</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold" format="ixt:num-dot-decimal" scale="3" id="f-581">222,663</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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><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: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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">14    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div></div><div style="margin-top:15pt;text-align:center"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_115"></div><div><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_118"></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><ix:nonNumeric contextRef="c-1" name="us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" id="f-582" continuedAt="f-582-1" escape="true"><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">Organization and Business </span></ix:nonNumeric></div><ix:continuation id="f-582-1" continuedAt="f-582-2"><div style="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%">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 financial brand for higher 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-weight:400;line-height:120%">While the Sallie Mae name has existed for more than 50 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, consolidation loan, and business processing businesses. 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 documents executed in connection with the Spin-Off. We sometimes refer to the company that existed prior to the Spin-Off as &#8220;pre-Spin-Off SLM.&#8221; </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="f-582-2">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 previously existing 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 style="text-indent:24.75pt"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_121"></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="c-1" name="us-gaap:SignificantAccountingPoliciesTextBlock" id="f-583" continuedAt="f-583-1" escape="true">Significant Accounting Policies </ix:nonNumeric></span></div><ix:continuation id="f-583-1" continuedAt="f-583-2"><ix:nonNumeric contextRef="c-1" name="us-gaap:UseOfEstimates" id="f-584" escape="true"><div style="margin-top:9pt;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:5pt;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="c-1" name="us-gaap:ConsolidationPolicyTextBlock" id="f-585" continuedAt="f-585-1" escape="true"><div style="margin-top:9pt;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="f-585-1">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><ix:nonNumeric contextRef="c-1" name="us-gaap:CashAndCashEquivalentsPolicyTextBlock" id="f-586" continuedAt="f-586-1" escape="true"><div style="margin-top:9pt;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></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="f-586-1">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="c-1" name="us-gaap:InvestmentPolicyTextBlock" id="f-587" continuedAt="f-587-1" escape="true"><div style="margin-top:9pt;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: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 are required to retain a <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="f-588">five</ix:nonFraction> percent vertical risk retention interest (i.e., <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="f-589">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 residual classes, which we classify as trading investments recorded at fair value with changes recorded through earnings.</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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-15</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:96.123%"/><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: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></tr></table></div></div><ix:continuation id="f-583-2" continuedAt="f-583-3"><ix:continuation id="f-587-1" continuedAt="f-587-2"><div style="margin-top:9pt;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:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our available-for-sale investments consist of mortgage-backed securities, Utah Housing Corporation bonds, U.S. government-sponsored enterprises and Treasury securities, and the vertical risk retention interests described above (other than residual classes). 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:5pt;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: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="f-587-2">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><ix:nonNumeric contextRef="c-1" name="us-gaap:SecuritiesOwnedNotReadilyMarketablePolicy" id="f-590" continuedAt="f-590-1" 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 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 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></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="f-590-1">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.</ix:continuation> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:FinanceLoansAndLeasesReceivablePolicy" id="f-591" 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%">Loans Held for Investment</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%">Loans, consisting of Private Education Loans, 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;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loan Interest Income.&#8221; Loans that are held for investment are reported net of an allowance for credit losses. During the third quarter of 2024, we transferred our FFELP Loan portfolio from loans held for investment to loans held for sale as we planned to sell the portfolio. During the fourth quarter of 2024, we sold our FFELP Loan portfolio to a third party. This transaction qualified for sale treatment and removed the balance of the loans from our balance sheet on the settlement date.</span></div></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="slm:LoansHeldForSalePolicyTextBlock" id="f-592" 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%">Loans 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%">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 that 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 that loan.</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 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><ix:nonNumeric contextRef="c-1" name="slm:RestrictedCashandInvestmentsPolicyTextBlock" id="f-593" continuedAt="f-593-1" 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%">Restricted Cash </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="f-593-1">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:continuation><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%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">16    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:96.123%"/><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: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></tr></table></div></div><ix:nonNumeric contextRef="c-1" name="us-gaap:CreditLossFinancialInstrumentPolicyTextBlock" id="f-594" continuedAt="f-594-1" escape="true"><ix:continuation id="f-583-3" continuedAt="f-583-4"><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%">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%">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 method. This method requires us to project future principal and interest cash flows on our loans in those portfolios. </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%">To estimate the future expected cash flows, we use statistical loan-level models that consider life of loan expectations for defaults, prepayments, recoveries, and any other qualitative 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:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We estimate future default rates used in our current expected credit losses at a loan level using historical loss experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable period. At the end of the reasonable and supportable forecast period, we immediately revert our forecasted economic factors to long-term historical averages. We estimate future prepayment speeds used in our current expected credit losses at a loan level using historical prepayment experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable 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-weight:400;line-height:120%">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. 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: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 future default rates and prepayment speeds in our current expected credit losses, we use a combination of expected economic scenarios coupled with our historical experience and adjust 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%">We obtain forecasts for our loss model 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 December 31, 2024, December 31, 2023, and December 31, 2022, we used the Baseline (50th percentile likelihood of occurring)/S1 (stronger near-term growth scenario - 10 percent likelihood of occurring)/S3 (unfavorable (or downside) scenario - 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%">In estimating recoveries, we use both estimates of what we expect to 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%">In addition to the above modeling approach, we also take certain qualitative factors into consideration when calculating the allowance for credit losses, which could result in management overlays (increases or decreases to the allowance for credit losses). These management overlays can encompass a broad array of factors not captured by model inputs, including, but not limited to, changes in lending policies and procedures, including changes in underwriting standards, changes in servicing policies and collection administration practices, including the loan modification program changes implemented in the fourth quarter of 2023, state law changes that could impact servicing and collection practices, charge-offs, recoveries not already included in the analysis, the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses, the performance of the model over time versus actual losses, and any other operational or regulatory changes that could affect our estimate of 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%">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 </span></div></ix:continuation></ix:nonNumeric><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-17</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:96.123%"/><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: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></tr></table></div></div><ix:continuation id="f-583-4" continuedAt="f-583-5"><ix:continuation id="f-594-1" continuedAt="f-594-2"><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">the estimate of the allowance for credit losses, the timing of when losses are recognized, and the related provision for credit losses in 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; 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%">Of the model inputs outlined above, economic forecasts, weighting of economic forecasts, 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 the fourth quarter of 2022, we changed our loss model to include forecasts of college graduate unemployment, retail sales, and median family income in determining the adequacy of the allowance for credit losses. Prior to this change, we included forecasts of college graduate unemployment and the Consumer Price Index in our loss forecasting models. </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 2023, we experienced slower prepayment rates due to the rising interest rate environment.  Historically, when rates rise, loan prepayments decline due to a reduction in consolidation activity of our borrowers to third party lenders, and when rates decline, loan prepayments rise due to an increase in consolidation activity of our borrowers to third party lenders. During 2023, our estimates of future prepayment speeds reflected the then current interest rate environment and future expectations of increased prepayment speeds in line with market expectations of a decline in interest rates based on the scenarios produced by Moody's Analytics described above. Slower prepayment speeds increase the allowance for credit losses because the loss rates applied in the future periods are applied to higher loan balances. In the second quarter of 2024, we implemented a loan-level future default rate model that includes current portfolio characteristics and forecasts of real gross domestic product and college graduate unemployment. </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 the second quarter of 2024, we also implemented a future prepayment speeds model to include forecasts of real gross domestic product, retail sales, the Secured Overnight Financing Rate (&#8220;SOFR&#8221;), and the U.S. 10-year treasury rate. These models reduce the reliance on certain qualitative overlays compared to the previous default rate and prepayment speeds models. Prior to these changes, our default rate and prepayment speeds models used forecasts of college graduate unemployment, retail sales, home price index, and median family income. Both the future default rate model and the future prepayment speeds model are used in determining the adequacy of the allowance for credit losses. The combined impact upon implementation of these model enhancements and the changes in the related qualitative overlays did not have a material impact on the overall level of our allowance for credit losses.</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="f-594-2">Below we describe in further detail our policies and procedures for the allowance for credit losses as they relate to our Private Education Loan portfolio. During the third quarter of 2024, we reclassified our FFELP Loan portfolio to loans held for sale and subsequently sold the FFELP Loan portfolio to a third party during the fourth quarter of 2024. During the third quarter of 2022, we reclassified our Credit Card loan portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023.</ix:continuation> </span></div><ix:nonNumeric contextRef="c-1" name="slm:AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock" id="f-595" continuedAt="f-595-1" 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</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><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">18    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:96.123%"/><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: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></tr></table></div></div><ix:continuation id="f-583-5" continuedAt="f-583-6"><ix:continuation id="f-595-1"><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 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%">In the second quarter of 2023, we changed how we collect on defaulted loans. Previously, we used a mix of in-house collectors and sales to third parties. We continue to sell a segment of defaulted loans immediately after charge-off but no longer sell retained defaulted loans (that have been subject to internal collection attempts for six months) to third parties and instead continue our collection efforts using in-house collectors and third-party collectors. This improved our estimate of recovery rates for the year ended December 31, 2023. When we estimate the timing and amount of future recoveries on charged-off loans, we no longer include expectations of future sales on retained defaulted loans. We continue to monitor how we collect on defaulted loans and may modify the approach from time to time based on performance, industry conventions, and/or regulatory feedback.</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 December 31, 2022, 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 December 31, 2024 and 2023, <ix:nonFraction unitRef="number" contextRef="c-7" decimals="2" name="slm:PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" format="ixt:num-dot-decimal" scale="-2" id="f-596">26</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="c-8" decimals="2" name="slm:PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" format="ixt:num-dot-decimal" scale="-2" id="f-597">25</ix:nonFraction> percent, respectively, 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 (forbearance) for certain borrowers requesting an extended grace period upon leaving school or experiencing temporary difficulty meeting payment obligations.</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 the metrics considered are the allowance coverage of net charge-offs ratio; the allowance as a percentage of ending total loans plus unfunded loan commitments and total accrued interest receivable; 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 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></ix:continuation><ix:nonNumeric contextRef="c-1" name="us-gaap:OffBalanceSheetCreditExposurePolicyPolicyTextBlock" id="f-598" continuedAt="f-598-1" 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 </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 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></ix:nonNumeric></ix:continuation><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-19</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:96.123%"/><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: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></tr></table></div></div><ix:continuation id="f-583-6" continuedAt="f-583-7"><ix:continuation id="f-598-1" continuedAt="f-598-2"><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></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="f-598-2">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="c-1" decimals="0" name="slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" scale="0" id="f-599">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 and the allowance for credit losses described above consider both the collectability of principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. The allowance for uncollectible interest uses historical experience to estimate the uncollectible interest on loans for which payment in full of principal or interest is not expected.  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="c-1" name="slm:AllowanceForCreditCardLoansPolicyTextBlock" id="f-600" continuedAt="f-600-1" 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 </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="f-600-1">At September 30, 2022, we transferred our Credit Card portfolio to loans held for sale as we planned to sell our Credit Card portfolio.  At that time, we reversed $<ix:nonFraction unitRef="usd" contextRef="c-64" decimals="-5" name="us-gaap:FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="6" id="f-601">2.4</ix:nonFraction>&#160;million through the provisions for credit losses for the allowance related to these loans. We subsequently sold the Credit Card portfolio to a third party in May 2023.</ix:continuation> </span></div><ix:nonNumeric contextRef="c-1" name="slm:AllowanceForFFELPLoanLossesPolicyPolicyTextBlock" id="f-602" 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 FFELP 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-weight:400;line-height:120%">During the third quarter of 2024, we transferred our FFELP Loan portfolio to loans held for sale as we planned to sell our FFELP Loan portfolio. At that time, we wrote down this loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $<ix:nonFraction unitRef="usd" contextRef="c-65" decimals="-6" sign="-" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="6" id="f-603">8</ix:nonFraction>&#160;million. We subsequently sold the FFELP Loan portfolio to a third party in the fourth quarter of 2024.  </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%">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, owners receive <ix:nonFraction unitRef="number" contextRef="c-7" decimals="2" name="slm:PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" scale="-2" id="f-604">97</ix:nonFraction> percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, owners receive <ix:nonFraction unitRef="number" contextRef="c-7" decimals="2" name="slm:PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" scale="-2" id="f-605">98</ix:nonFraction> percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, owners receive <ix:nonFraction unitRef="number" contextRef="c-7" decimals="2" name="slm:PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" scale="-2" id="f-606">100</ix:nonFraction> percent reimbursement. Because owners bear a maximum of <ix:nonFraction unitRef="number" contextRef="c-7" decimals="2" name="slm:PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" format="ixt-sec:numwordsen" scale="-2" id="f-607">three</ix:nonFraction> percent loss exposure due to this federal guarantee, our allowance for credit losses for FFELP Loans and related periodic provision expense were 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%">For the years ended December 31, 2023 and 2022, we used the gross loss approach when estimating the allowance for credit losses for the unguaranteed portion of our FFELP Loans. We maintained 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 used historical experience of customer default behavior. We applied the default rate projections, net of applicable risk sharing, to our FFELP Loans for the respective 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></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="us-gaap:BusinessCombinationsPolicy" id="f-608" continuedAt="f-608-1" 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:700;line-height:120%">Business Combinations </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 4, 2022, we completed the acquisition of the assets primarily used or held for use of Epic Research Education Services, LLC, which did business as Nitro College (&#8220;Nitro&#8221;). Nitro provided resources that helped students and families evaluate how to responsibly pay for college and manage their financial responsibilities after graduation. The addition of Nitro supports our mission of providing students with the confidence needed to successfully navigate the higher education journey. The acquisition of the Nitro assets, including its employees and intellectual property, expanded our digital marketing capabilities, reduced the cost to acquire customer accounts, and accelerated our progress to become a broader education solutions provider for students before, during, and immediately after college. In 2024, we completed the transition of the related Nitro branding to the Sallie and Sallie Mae brands and platforms. </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 July 21, 2023, we completed the acquisition of several key assets of Scholly, Inc. (&#8220;Scholly&#8221;). Scholly was engaged in the business of operating as a scholarship publishing and servicing platform, comprised of websites and mobile application search products that offered custom recommendations for post-secondary scholarships for students, their families, and others as well as related services for scholarship providers. The addition of Scholly assets supports our mission of providing students with the confidence needed to successfully navigate the higher education journey.</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="f-608-1" continuedAt="f-608-2">These acquisitions were accounted for as business combinations using the acquisition method of accounting in accordance with the Accounting Standard Codification 805, &#8220;Business Combinations,&#8221; of the Financial Accounting Standards Board (&#8220;FASB&#8221;), whereby as of the respective acquisition date, the acquired tangible assets and liabilities were recorded at their estimated fair values. The identifiable intangible assets were recorded at fair values as determined by an independent appraiser.</ix:continuation> The final purchase price allocation for Nitro resulted in an excess purchase price over fair value of </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">20    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:96.123%"/><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: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></tr></table></div></div><ix:continuation id="f-583-7" continuedAt="f-583-8"><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">net assets acquired, or goodwill, of $<ix:nonFraction unitRef="usd" contextRef="c-66" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet" format="ixt:num-dot-decimal" scale="6" id="f-609">51</ix:nonFraction>&#160;million. The final purchase price allocation for Scholly resulted in an excess purchase price over fair value of net assets acquired, or goodwill, of $<ix:nonFraction unitRef="usd" contextRef="c-67" decimals="-6" name="us-gaap:Goodwill" format="ixt:num-dot-decimal" scale="6" id="f-610">5</ix:nonFraction>&#160;million.</span></div><ix:continuation id="f-608-2"><div style="margin-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 results of operations of Nitro and Scholly have been included in our consolidated financial statements since the respective acquisition dates. We have not disclosed the pro forma impact of these acquisitions to the results of operations for the years ended December 31, 2023 and 2022, as the pro forma impacts were deemed immaterial. Transaction costs associated with the Nitro acquisition were approximately $<ix:nonFraction unitRef="usd" contextRef="c-66" decimals="-6" name="us-gaap:BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" format="ixt:num-dot-decimal" scale="6" id="f-611">3</ix:nonFraction>&#160;million and were expensed as incurred within &#8220;Other operating expenses&#8221; in the consolidated statements of income for the year ended December 31, 2022. Transaction costs associated with the Scholly acquisition were approximately $<ix:nonFraction unitRef="usd" contextRef="c-68" decimals="-6" name="us-gaap:BusinessCombinationAcquisitionRelatedCosts" format="ixt:num-dot-decimal" scale="6" id="f-612">1</ix:nonFraction>&#160;million and were expensed as incurred within &#8220;Other operating expenses&#8221; in the consolidated statements of income for the year ended December 31, 2023.</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%">Identifiable intangible assets at the acquisition date of Nitro included definite life intangible assets with an aggregate fair value of approximately $<ix:nonFraction unitRef="usd" contextRef="c-66" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-613">75</ix:nonFraction>&#160;million, including trade name and trademarks, customer relationships, and developed technology. In the fourth quarter of 2023, we impaired our Nitro trade name and trademarks intangible asset. See Note 8, &#8220;Goodwill and Acquired Intangible Assets&#8221; in this Form 10-K for additional details.</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%">Identifiable intangible assets at the acquisition date of Scholly included definite life intangible assets with an aggregate fair value of approximately $<ix:nonFraction unitRef="usd" contextRef="c-69" decimals="-6" name="us-gaap:FinitelivedIntangibleAssetsAcquired1" format="ixt:num-dot-decimal" scale="6" id="f-614">11</ix:nonFraction>&#160;million, including trade name and trademarks, developed technology, customer relationships, and partner relationships.</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%">See &#8220;&#8212;Goodwill and Acquired Intangible Assets&#8221; in this Note 2 and Note 8, &#8220;Goodwill and Acquired Intangible Assets&#8221; in this Form 10-K for additional details. </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock" id="f-615" 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:700;line-height:120%">Goodwill and Acquired Intangible Assets</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%">Acquisitions are accounted for under the acquisition method of accounting, which results in the Company allocating the purchase price to the fair value of the acquired assets, liabilities, and non-controlling interests, if any, with the remaining purchase price allocated to goodwill. </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%">Goodwill is not amortized but is tested periodically for impairment. We test goodwill for impairment annually in the fourth quarter of the year, or more frequently if we believe that indicators of impairment exist. We complete a goodwill impairment analysis, which may be a qualitative or a quantitative analysis depending on the facts and circumstances associated with the reporting unit. In conjunction with a qualitative impairment analysis, we assess relevant qualitative factors to determine whether it is &#8220;more-likely-than-not&#8221; that the fair value of a reporting unit is less than its carrying amount. The &#8220;more-likely-than-not&#8221; threshold is defined as having a likelihood of more than 50 percent. If, based on first assessing impairment utilizing a qualitative approach, we determine it is &#8220;more-likely-than not&#8221; that the fair value of the reporting unit is less than its carrying amount, we will also complete a quantitative impairment analysis. In conjunction with a quantitative impairment analysis, we compare the fair value of the reporting unit to the reporting unit&#8217;s carrying value, including goodwill. If the carrying value of the reporting unit exceeds the fair value, goodwill is impaired in an amount equal to the amount by which the carrying value exceeds the fair value of the reporting unit, but not to exceed the goodwill amount attributed to the reporting unit. </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%">Acquired intangible assets include trade names and trademarks, customer relationships, developed technology, and partner relationships. Our acquired intangible assets have finite lives and are amortized over their estimated useful lives in proportion to their estimated economic benefit. We review our long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of such assets may not be recoverable.</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%">See Note 8, &#8220;Goodwill and Acquired Intangible Assets&#8221; in this Form 10-K for additional details.  </span></div><ix:nonNumeric contextRef="c-1" name="slm:DepositsPolicyTextBlock" id="f-616" continuedAt="f-616-1" 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="c-1" name="slm:DepositsPeriodofNotificationforWithdrawal" format="ixt-sec:durwordsen" id="f-617">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="f-616-1">The Bank also includes brokered CDs in its funding base.&#160;Early withdrawal of brokered CDs is generally 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:continuation><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-21</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:96.123%"/><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: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></tr></table></div></div><ix:continuation id="f-583-8" continuedAt="f-583-9"><ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueOfFinancialInstrumentsPolicy" id="f-618" continuedAt="f-618-1" 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="margin-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 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:5pt;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:5pt;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="f-618-1"><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:nonNumeric contextRef="c-1" name="us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" id="f-619" continuedAt="f-619-1" 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:5pt;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 </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">22    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:96.123%"/><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: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></tr></table></div></div><ix:continuation id="f-583-9" continuedAt="f-583-10"><ix:continuation id="f-619-1" continuedAt="f-619-2"><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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 paid the U.S. Department of Education (the &#8220;DOE&#8221;) an annual <ix:nonFraction unitRef="number" contextRef="c-7" decimals="INF" name="slm:ConstantPrepaymentFeeVariableRate" scale="-4" id="f-620">105</ix:nonFraction> basis point Consolidation Loan Rebate Fee on FFELP consolidation loans, which was 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%">For loans not currently in full principal and interest repayment status or interest-only repayment status, we recognize the allowance for the portion of uncollectible interest representing amounts to be capitalized after separation from school and the expiration of the grace period to the provisions for credit losses and classify this allowance as part of our 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 allowance for the portion of uncollectible interest on loans making full interest payments estimates the additional uncollectible interest that is not captured in the allowance for credit losses and 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. However, if it is determined that an individual loan or pool of loans is high risk, they may be placed on nonaccrual status, which entails stopping the accrual of interest on those loans until such time that the borrower(s) have made a sufficient number of payments (typically six months) to return to accrual status. At December 31, 2024, we had an <ix:nonFraction unitRef="usd" contextRef="c-1" decimals="INF" name="slm:LoansinNonaccrualStatus" format="ixt:fixed-zero" scale="0" id="f-621">immaterial</ix:nonFraction> amount of loans in nonaccrual status. At December 31, 2023, we also had an <ix:nonFraction unitRef="usd" contextRef="c-9" decimals="INF" name="slm:LoansinNonaccrualStatus" format="ixt:fixed-zero" scale="0" id="f-622">immaterial</ix:nonFraction> amount of loans in nonaccrual status.</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="f-619-2">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:nonNumeric contextRef="c-1" name="us-gaap:InterestExpensePolicyTextBlock" id="f-623" continuedAt="f-623-1" 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%">Interest Expense</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="f-623-1">Interest expense is based upon contractual interest rates  and other fees, adjusted for the amortization of issuance costs, premiums, and discounts. We incur interest expense on interest-bearing deposits comprised of non-maturity savings deposits, brokered and retail CDs, brokered and retail MMDAs, as well as unsecured and secured financings. Our Private Education Loan multi-lender secured borrowing facility (the &#8220;Secured Borrowing Facility&#8221;) also incurs an unused facility fee on the amount of unfunded commitments. Interest expense is recognized when amounts are contractually due and is adjusted for net payments/receipts related to qualifying interest rate swap agreements designated as hedges of interest-bearing liabilities. &#160;Interest expense also includes the amortization of deferred gains and losses on closed qualifying hedge transactions.  Amortization of debt issuance costs, premiums, discounts, and terminated hedge-basis adjustments are recognized using the effective interest rate method.</ix:continuation> Refer to Note 9, &#8220;Deposits,&#8221; and Note 10, &#8220;Borrowings&#8221; in this Form 10-K for further details of our interest-bearing liabilities.</span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy" id="f-624" continuedAt="f-624-1" 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%">Gains on Sale of Loans, Net</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="f-624-1">We may participate and sell loans to third parties and affiliates. These sales may occur through whole loan sales or securitization transactions that qualify for sale 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><ix:nonNumeric contextRef="c-1" name="slm:OtherIncomePolicyPolicyTextBlock" id="f-625" continuedAt="f-625-1" 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:5pt;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, income for servicing private student loans for third parties, and changes to our tax indemnification receivable from Navient. Other income also included fees related to our Credit Card program. At </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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-23</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:96.123%"/><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: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></tr></table></div></div><ix:continuation id="f-583-10" continuedAt="f-583-11"><ix:continuation id="f-625-1"><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">September 30, 2022, we transferred our Credit Card portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023.</span></div></ix:continuation><ix:nonNumeric contextRef="c-1" name="us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy" id="f-626" continuedAt="f-626-1" 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:5pt;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, the transaction does not meet the criteria for sale treatment and is accounted for as an on-balance sheet secured borrowing. If a securitization qualifies as a sale, we assess whether Sallie Mae is the primary beneficiary of the securitization trust and thus required to consolidate the 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. As there is not a bright-line test for determining significance, the assessment of who has the power to significantly direct the activities of the VIE, and who has the obligation to absorb losses or receive benefits material to the VIE, can be qualitative and judgmental in nature. If we are determined to be the primary beneficiary, then no gain or loss is recognized on the 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-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="c-1" decimals="2" name="slm:VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" format="ixt:num-dot-decimal" scale="-2" id="f-627">10</ix:nonFraction> percent or less of the original pool balance.</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 2024 and 2023, 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:5pt;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. We may also be responsible for indemnities in other instances for such things as willful misfeasance or bad faith. </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="f-626-1">In 2024 and 2023, we also closed several loan sales and securitization transactions that were not consolidated on our balance sheet due to the transaction having met the criteria for sales treatment and Sallie Mae not being the primary beneficiary. In these transactions, we removed loans from our consolidated balance sheet and recognized any assets retained and liabilities assumed at fair value, and recorded 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 10, &#8220;Borrowings &#8212; Unconsolidated Funding Vehicles&#8221; in this Form 10-K.</ix:continuation> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:DerivativesPolicyTextBlock" id="f-628" continuedAt="f-628-1" 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:5pt;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 11, &#8220;Derivative Financial Instruments&#8221; in this Form 10-K), 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, 2024, $<ix:nonFraction unitRef="usd" contextRef="c-70" decimals="-6" name="us-gaap:DerivativeNotionalAmount" scale="6" id="f-629">850</ix:nonFraction> million notional of our derivative contracts were cleared on the CME and $<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="us-gaap:DerivativeNotionalAmount" scale="6" id="f-630">71</ix:nonFraction> million were cleared on the LCH. The derivative contracts cleared </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">24    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:96.123%"/><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: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></tr></table></div></div><ix:continuation id="f-583-11" continuedAt="f-583-12"><ix:continuation id="f-628-1"><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">through the CME and LCH represent <ix:nonFraction unitRef="number" contextRef="c-72" decimals="3" name="slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" format="ixt:num-dot-decimal" scale="-2" id="f-631">92.3</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="c-73" decimals="3" name="slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" format="ixt:num-dot-decimal" scale="-2" id="f-632">7.7</ix:nonFraction> percent, respectively, of our total notional derivative contracts of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DerivativeNotionalAmount" scale="6" id="f-633">921</ix:nonFraction> million at December&#160;31, 2024.</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, 2024 was $(<ix:nonFraction unitRef="usd" contextRef="c-72" decimals="-6" sign="-" name="slm:AmountOfVariationMarginIncludedAsSettlement" scale="6" id="f-634">22</ix:nonFraction>) million and $(<ix:nonFraction unitRef="usd" contextRef="c-73" decimals="-6" sign="-" name="slm:AmountOfVariationMarginIncludedAsSettlement" scale="6" id="f-635">1</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 either fair value hedges or cash flow hedges. </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%">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-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, 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:5pt;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 SOFR. 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:5pt;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 began to use alternatives to LIBOR before LIBOR was no longer published, for cash flow hedges of forecasted LIBOR based payments, we 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 assess 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 would not be replaced for the remainder of the hedging relationship when assessing hedge effectiveness.</span></div></ix:continuation><ix:nonNumeric contextRef="c-1" name="us-gaap:CompensationRelatedCostsPolicyTextBlock" id="f-636" continuedAt="f-636-1" escape="true"><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></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="f-636-1">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 shorter of the vesting period of the stock-based grant or the employee&#8217;s retirement eligible date. 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:continuation><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-25</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:0.1%"/><td style="width:2.577%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:96.123%"/><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: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></tr></table></div></div><ix:continuation id="f-583-12" continuedAt="f-583-13"><ix:nonNumeric contextRef="c-1" name="us-gaap:IncomeTaxPolicyTextBlock" id="f-637" 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:5pt;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:5pt;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:5pt;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></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock" id="f-638" continuedAt="f-638-1" 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%">Recently Adopted Accounting Pronouncements</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 November 2023, the FASB issued ASU No. 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. The ASU improves reportable segment disclosure requirements and requires enhanced disclosures about significant segment expenses. We adopted this amendment as of December 31, 2024, on a retrospective basis. See Note 22, &#8220;Segment Reporting&#8221; in this Form 10-K for additional details on the impact of adoption of the ASU. </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%">Recently Issued Accounting Pronouncements</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 December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The ASU requires entities to disclose specific categories in the effective tax rate reconciliation and provide additional information for reconciling items where the effect of those reconciling items is equal to or greater than 5 percent of the amount computed by multiplying pretax income/loss by the applicable statutory income tax rate. Additionally, entities are required to disclose the year-to-date amount of income taxes paid (net of refunds received) disaggregated by jurisdiction. The standard is effective for fiscal years beginning after December 15, 2024. We do not expect the impact of this ASU to be material to our consolidated financial statements. </span></div></ix:nonNumeric></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="f-638-1"><ix:continuation id="f-583-13">In November 2024, the FASB issued ASU No. 2024-03, Income Statement-Reporting Comprehensive Income-Expense Disaggregation Disclosure (Subtopic 220-40): Disaggregation of Income Statement Expenses. The ASU is intended to provide more detailed information about specified categories of expenses (purchases of inventory, employee compensation, depreciation and amortization) included in certain expense captions presented on the consolidated statements of income. The guidance in this standard is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted. We are currently evaluating the impact of the ASU on our consolidated financial statements.</ix:continuation></ix:continuation> </span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_124"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">3.   <ix:nonNumeric contextRef="c-1" name="us-gaap:CashAndCashEquivalentsDisclosureTextBlock" id="f-639" continuedAt="f-639-1" escape="true">Cash and Cash Equivalents</ix:nonNumeric></span></div><ix:continuation id="f-639-1"><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, 2024, cash and cash equivalents include cash due from the FRB of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-8" name="slm:CashduefromFederalReserveBank" scale="9" id="f-640">4.6</ix:nonFraction> billion and cash due from depository institutions of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:CashAndDueFromBanks" scale="6" id="f-641">57</ix:nonFraction> million. As of December&#160;31, 2023, cash and cash equivalents include cash due from the FRB of $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-8" name="slm:CashduefromFederalReserveBank" scale="9" id="f-642">4.1</ix:nonFraction> billion and cash due from depository institutions of $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:CashAndDueFromBanks" scale="6" id="f-643">41</ix:nonFraction> million. As of December&#160;31, 2024 and 2023, we had <ix:nonFraction unitRef="usd" contextRef="c-7" decimals="INF" name="us-gaap:CashEquivalentsAtCarryingValue" format="ixt:fixed-zero" scale="0" id="f-644"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="INF" name="us-gaap:CashEquivalentsAtCarryingValue" format="ixt:fixed-zero" scale="0" id="f-645">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 2024 or 2023, resulting in <ix:nonFraction unitRef="usd" contextRef="c-1" decimals="INF" name="slm:InterestincomefromTermDepositFacility" format="ixt:fixed-zero" scale="0" id="f-646"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="INF" name="slm:InterestincomefromTermDepositFacility" format="ixt:fixed-zero" scale="0" id="f-647">no</ix:nonFraction></ix:nonFraction> interest reported. As of December&#160;31, 2024 and 2023, <ix:nonFraction unitRef="usd" contextRef="c-8" decimals="INF" name="us-gaap:CertificatesOfDepositAtCarryingValue" format="ixt:fixed-zero" scale="0" id="f-648"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="INF" name="us-gaap:CertificatesOfDepositAtCarryingValue" format="ixt:fixed-zero" scale="0" id="f-649">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 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%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">26    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_127"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="text-align:center"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">4.   <ix:nonNumeric contextRef="c-1" name="us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" id="f-650" continuedAt="f-650-1" escape="true">Investments</ix:nonNumeric></span></div><ix:continuation id="f-650-1" continuedAt="f-650-2"><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%">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 are required to retain a <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="f-651">five</ix:nonFraction> percent vertical risk retention interest (i.e., <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="f-652">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 residual classes, which we classify as trading investments 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-weight:400;line-height:120%">At December 31, 2022, we had a $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="slm:PaymentsToAcquireTradingSecuritiesHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-653">5</ix:nonFraction>&#160;million investment in a convertible debt security classified as a trading investment. In March 2023, this security, and the related accrued interest, was converted into equity securities classified as 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%">At December 31, 2024 and 2023, we had $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="6" id="f-654">53</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:TradingSecuritiesDebt" scale="6" id="f-655">54</ix:nonFraction> million, respectively, classified as trading investments. </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%">Available-for-Sale Investments </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" id="f-656" continuedAt="f-656-1" escape="true"><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-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-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: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, 2024<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%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-657">516,358</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="f-658">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="3" id="f-659">205</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-660">73,235</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-661">443,328</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-75" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-662">2,849</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-75" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="f-663">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-75" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="3" id="f-664">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-75" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="3" id="f-665">490</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-75" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-666">2,359</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-76" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-667">948,009</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-76" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="f-668">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-76" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="3" id="f-669">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-76" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-670">32,265</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-76" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-671">915,744</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-77" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-672">575,257</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-77" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="f-673">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-77" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-674">8,633</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-77" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-675">12,095</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-77" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-676">571,795</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-677">2,042,473</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="f-678">&#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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-679">8,838</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-680">118,085</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-681">1,933,226</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"/></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, 2023<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%"><ix:nonFraction unitRef="usd" contextRef="c-78" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-682">468,204</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-78" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="f-683">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-78" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="3" id="f-684">703</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-78" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-685">62,480</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-78" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-686">406,427</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-79" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-687">3,408</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-79" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="f-688">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-79" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="3" id="f-689">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-79" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="3" id="f-690">279</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-79" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-691">3,129</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-80" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-692">1,645,609</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-80" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="f-693">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-80" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="3" id="f-694">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-80" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-695">66,870</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-80" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-696">1,578,739</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-81" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-697">446,763</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-81" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="f-698">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-81" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="3" id="f-699">603</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-81" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-700">24,039</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-81" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-701">423,327</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-702">2,563,984</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="f-703">&#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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-704">1,306</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-705">153,668</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-706">2,411,622</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"/></tr></table></div><div><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%">&#160;&#160;&#160;&#160;</span></div></ix:nonNumeric><div style="padding-left:81pt;padding-right:45pt;text-indent:-9pt"><ix:continuation id="f-656-1" continuedAt="f-656-2"><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="f-656-2">  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="padding-left:81pt;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><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-27   </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%">2022 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><br/></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:94.722%"><tr><td style="width:0.1%"/><td style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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: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"/></tr></table></div></div><ix:continuation id="f-650-2" continuedAt="f-650-3"><ix:nonNumeric contextRef="c-1" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock" id="f-707" 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:93.750%"><tr><td style="width:1.0%"/><td style="width:31.492%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.714%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><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:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.825%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.168%"/><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%">2024:</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%">(<ix:nonFraction unitRef="usd" contextRef="c-82" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-708">2,723</ix:nonFraction>)</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-82" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="f-709">137,585</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-82" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-710">70,512</ix:nonFraction>)</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-82" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="3" id="f-711">290,257</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-82" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-712">73,235</ix:nonFraction>)</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-82" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="f-713">427,842</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-83" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="3" id="f-714">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-83" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:fixed-zero" scale="3" id="f-715">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-83" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="3" id="f-716">490</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-83" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="3" id="f-717">2,359</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-83" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="3" id="f-718">490</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-83" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="f-719">2,359</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-84" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="3" id="f-720">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-84" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:fixed-zero" scale="3" id="f-721">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-84" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-722">32,265</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-84" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="3" id="f-723">915,744</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-84" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-724">32,265</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-84" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="f-725">915,744</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">(<ix:nonFraction unitRef="usd" contextRef="c-85" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="3" id="f-726">74</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-85" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="f-727">11,579</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-85" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-728">12,021</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-85" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="3" id="f-729">182,215</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-85" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-730">12,095</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-85" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="f-731">193,794</ix:nonFraction>&#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%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-732">2,797</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="f-733">149,164</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-734">115,288</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="3" id="f-735">1,390,575</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-736">118,085</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="f-737">1,539,739</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"/></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%">2023:</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%">(<ix:nonFraction unitRef="usd" contextRef="c-86" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="3" id="f-738">531</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-86" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="f-739">51,391</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-86" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-740">61,949</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-86" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="3" id="f-741">300,318</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-86" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-742">62,480</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-86" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="f-743">351,709</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-87" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="3" id="f-744">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-87" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:fixed-zero" scale="3" id="f-745">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-87" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="3" id="f-746">279</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-87" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="3" id="f-747">3,129</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-87" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="3" id="f-748">279</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-87" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="f-749">3,129</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="3" id="f-750">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:fixed-zero" scale="3" id="f-751">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-752">66,870</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="3" id="f-753">1,578,739</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-754">66,870</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="f-755">1,578,739</ix:nonFraction>&#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%">(<ix:nonFraction unitRef="usd" contextRef="c-89" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-756">2,221</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-89" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="f-757">90,725</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-89" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-758">21,818</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-89" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="3" id="f-759">241,253</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-89" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-760">24,039</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-89" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="f-761">331,978</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-762">2,752</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 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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="3" id="f-763">142,116</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-764">150,916</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 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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="3" id="f-765">2,123,439</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:num-dot-decimal" scale="3" id="f-766">153,668</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="3" id="f-767">2,265,555</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"/></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%">At December&#160;31, 2024 and 2023, <ix:nonFraction unitRef="security" contextRef="c-7" decimals="INF" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" scale="0" id="f-768">236</ix:nonFraction> of <ix:nonFraction unitRef="security" contextRef="c-7" decimals="INF" name="slm:DebtSecuritiesAvailableForSaleNumberOfPositions" scale="0" id="f-769">278</ix:nonFraction> and <ix:nonFraction unitRef="security" contextRef="c-8" decimals="INF" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" scale="0" id="f-770">213</ix:nonFraction> of <ix:nonFraction unitRef="security" contextRef="c-8" decimals="INF" name="slm:DebtSecuritiesAvailableForSaleNumberOfPositions" scale="0" id="f-771">248</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 are met, the security&#8217;s amortized cost basis is written down to fair value through net 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. 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="c-1" decimals="INF" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="f-772">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="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%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">28    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;text-align:center"><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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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: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"/></tr></table></div></div><ix:continuation id="f-650-3" continuedAt="f-650-4"><ix:nonNumeric contextRef="c-1" name="us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock" id="f-773" 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, 2024, 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:41.944%"><tr><td style="width:1.0%"/><td style="width:45.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.734%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:2.873%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.736%"/><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, 2024</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%">2025</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="c-90" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-774">299,816</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-90" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-775">298,648</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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="c-91" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-776">549,175</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-91" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-777">520,793</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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</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="c-92" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-778">99,018</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-92" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-779">96,303</ix:nonFraction>&#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%">2038</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="c-93" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" scale="3" id="f-780">66</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-93" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" scale="3" id="f-781">66</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">2039</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="c-94" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" scale="3" id="f-782">551</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-94" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" scale="3" id="f-783">531</ix:nonFraction>&#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%">2042</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="c-95" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-784">2,112</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-95" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-785">1,793</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">2043</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="c-96" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-786">3,761</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-96" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-787">3,299</ix:nonFraction>&#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%">2044</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="c-97" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-788">4,085</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-97" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-789">3,651</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">2045</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="c-98" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-790">4,518</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-98" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-791">3,919</ix:nonFraction>&#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%">2046</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="c-99" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-792">6,953</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-99" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-793">5,965</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">2047</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="c-100" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-794">6,704</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-100" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-795">5,781</ix:nonFraction>&#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%">2048</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="c-101" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-796">1,702</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-101" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-797">1,481</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">2049</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="c-102" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-798">14,838</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-102" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-799">12,842</ix:nonFraction>&#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%">2050</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="c-103" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-800">101,145</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-103" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-801">78,475</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">2051</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="c-104" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-802">144,694</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-104" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-803">111,058</ix:nonFraction>&#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%">2052</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="c-105" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-804">58,268</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-105" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-805">50,497</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-106" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-806">297,695</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-106" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-807">294,197</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-107" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-808">142,209</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-107" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-809">135,800</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">2055</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="c-108" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-810">71,611</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-108" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-811">70,409</ix:nonFraction>&#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%">2056</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="c-109" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-812">194,173</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-109" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-813">197,363</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">2058</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="c-110" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-814">39,379</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-110" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-815">40,355</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis" format="ixt:num-dot-decimal" scale="3" id="f-816">2,042,473</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-817">1,933,226</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"/></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="c-7" decimals="-6" name="slm:ParValueOfMortgageBackedSecuritiesPledgedToFRB" scale="6" id="f-818">610</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="slm:ParValueOfMortgageBackedSecuritiesPledgedToFRB" scale="6" id="f-819">612</ix:nonFraction> million par value of securities pledged to this borrowing facility at December&#160;31, 2024 and 2023, respectively, as discussed further in Note 10, &#8220;Borrowings&#8221; in this Form 10-K.</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%">Other Investments</span></div><div style="margin-top:9pt;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%">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, or when observable prices are not available, use market data of similar entities, in determining any changes in the value of the securities. In the third quarter of 2024, we funded a new investment in non-marketable securities of an issuer whose securities we have not previously purchased. In March 2023, our $<ix:nonFraction unitRef="usd" contextRef="c-111" decimals="-6" name="us-gaap:OtherInvestmentNotReadilyMarketableFairValue" format="ixt:num-dot-decimal" scale="6" id="f-820">5</ix:nonFraction>&#160;million investment in a convertible debt security, classified as a trading investment, and the related accrued interest were converted into equity securities and were reclassified to investments in non-marketable securities. In the fourth quarter of 2022, we determined that our investment in an issuer whose equity securities we purchased in the past was impaired. As such, we wrote down the value based upon an estimate of the value of these securities and recorded a loss of $<ix:nonFraction unitRef="usd" contextRef="c-112" decimals="-6" sign="-" name="slm:OtherInvestmentNotReadilyMarketableGainLoss" format="ixt:num-dot-decimal" scale="6" id="f-821">60</ix:nonFraction>&#160;million in &#8220;gains (losses) on securities, net&#8221; in the consolidated statements of income in 2022. At December 31, 2024 and December 31, 2023, our total investment in non-marketable securities was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:OtherInvestmentNotReadilyMarketableFairValue" format="ixt:num-dot-decimal" scale="6" id="f-822">24</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:OtherInvestmentNotReadilyMarketableFairValue" format="ixt:num-dot-decimal" scale="6" id="f-823">14</ix:nonFraction>&#160;million, 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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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:94.722%"><tr><td style="width:0.1%"/><td style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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: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"/></tr></table></div></div><ix:continuation id="f-650-4"><div style="margin-top:9pt;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%">Low Income Housing Tax Credit 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-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. These investments generate a return mostly through realization of federal tax credits and tax benefits from net operating losses on the underlying properties. We recognized $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" scale="6" id="f-824">13</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" scale="6" id="f-825">11</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" format="ixt:num-dot-decimal" scale="6" id="f-826">9</ix:nonFraction>&#160;million of <span style="-sec-ix-hidden:f-827"><span style="-sec-ix-hidden:f-828">tax credits and other tax benefits</span></span> associated with investments in affordable housing projects within income tax expense for the years ended December 31, 2024, 2023, and 2022, respectively. The amount of amortization of such investments reported in <span style="-sec-ix-hidden:f-829"><span style="-sec-ix-hidden:f-830">income tax expense</span></span> was $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" scale="6" id="f-831">10</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" format="ixt:num-dot-decimal" scale="6" id="f-832">9</ix:nonFraction>&#160;million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" scale="6" id="f-833">7</ix:nonFraction> million for the years ended December 31, 2024, 2023, and 2022, respectively. Total <span style="-sec-ix-hidden:f-834">carrying value of the LIHTC investments</span> was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments" scale="6" id="f-835">82</ix:nonFraction> million at December 31, 2024 and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments" scale="6" id="f-836">72</ix:nonFraction> million at December 31, 2023. 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="c-7" decimals="-6" name="us-gaap:QualifiedAffordableHousingProjectInvestmentsCommitment" format="ixt:num-dot-decimal" scale="6" id="f-837">30</ix:nonFraction>&#160;million at December 31, 2024 and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:QualifiedAffordableHousingProjectInvestmentsCommitment" scale="6" id="f-838">30</ix:nonFraction> million at December 31, 2023.</span></div></ix:continuation><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_130"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">5.    <ix:nonNumeric contextRef="c-1" name="us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" id="f-839" continuedAt="f-839-1" escape="true">Loans Held for Investment</ix:nonNumeric></span></div><ix:continuation id="f-839-1" continuedAt="f-839-2"><div style="margin-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 solely of Private Education Loans as of December 31, 2024. During the third quarter of 2024, we transferred our remaining FFELP Loan portfolio to loans held for sale and subsequently sold the FFELP Loan portfolio to an unaffiliated third party during the fourth quarter of 2024. We wrote down the FFELP Loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $<ix:nonFraction unitRef="usd" contextRef="c-113" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs" scale="6" id="f-840">8</ix:nonFraction> million in 2024.  </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 use &#8220;Credit Cards&#8221; to refer to the suite of Credit Card loans that we previously held. At September 30, 2022, we transferred our Credit Card portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023. We recorded a loss of $<ix:nonFraction unitRef="usd" contextRef="c-114" decimals="-6" sign="-" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="6" id="f-841">4</ix:nonFraction>&#160;million on the sale of the Credit Card portfolio in 2023.</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 SOFR, the Secured Overnight Financing Rate. As of December&#160;31, 2024 and December 31, 2023, <ix:nonFraction unitRef="number" contextRef="c-7" decimals="2" name="slm:PercentOfPrivateLoansIndexedToLIBOROrSOFR" format="ixt:num-dot-decimal" scale="-2" id="f-842">23</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="c-8" decimals="2" name="slm:PercentOfPrivateLoansIndexedToLIBOROrSOFR" format="ixt:num-dot-decimal" scale="-2" id="f-843">33</ix:nonFraction> percent, respectively, of all our Private Education Loans were indexed to 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><ix:nonNumeric contextRef="c-1" name="us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" id="f-844" continuedAt="f-844-1" 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 our Private Education Loan sales to unaffiliated third parties for the periods presented.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><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:47.007%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.672%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.535%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.672%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.904%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.675%"/><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 millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2022</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%">Loan principal</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%"><ix:nonFraction unitRef="usd" contextRef="c-115" decimals="-3" name="slm:FinancingReceivableSalePrincipal" format="ixt:num-dot-decimal" scale="3" id="f-845">3,418</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-116" decimals="-3" name="slm:FinancingReceivableSalePrincipal" format="ixt:num-dot-decimal" scale="3" id="f-846">2,927</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-3" name="slm:FinancingReceivableSalePrincipal" format="ixt:num-dot-decimal" scale="3" id="f-847">3,126</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"/></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%">Capitalized interest </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%"><ix:nonFraction unitRef="usd" contextRef="c-115" decimals="-3" name="slm:FinancingReceivableSaleCapitalizedInterest" scale="3" id="f-848">274</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-116" decimals="-3" name="slm:FinancingReceivableSaleCapitalizedInterest" scale="3" id="f-849">226</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-3" name="slm:FinancingReceivableSaleCapitalizedInterest" scale="3" id="f-850">217</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 sold</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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-115" decimals="-3" name="us-gaap:FinancingReceivableSale" format="ixt:num-dot-decimal" scale="3" id="f-851">3,692</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-116" decimals="-3" name="us-gaap:FinancingReceivableSale" format="ixt:num-dot-decimal" scale="3" id="f-852">3,153</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-3" name="us-gaap:FinancingReceivableSale" format="ixt:num-dot-decimal" scale="3" id="f-853">3,343</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gain on sale of loans, net</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-115" decimals="-3" name="us-gaap:GainLossOnSalesOfLoansNet" scale="3" id="f-854">255</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 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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-116" decimals="-3" name="us-gaap:GainLossOnSalesOfLoansNet" scale="3" id="f-855">164</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-3" name="us-gaap:GainLossOnSalesOfLoansNet" scale="3" id="f-856">328</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"/></tr></table></div></ix:nonNumeric><div style="margin-top:12pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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 Note 10, &#8220;Borrowings &#8212; Unconsolidated Funding Vehicles&#8221; in this Form 10-K.</span></div></ix:continuation><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-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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">30    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;text-align:center"><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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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: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"/></tr></table></div></div><ix:continuation id="f-839-2" continuedAt="f-839-3"><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" id="f-857" 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%">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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2023</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-118" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-858">17,093,382</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-119" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-859">13,985,791</ix:nonFraction>&#160;</span></td><td style="background-color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-120" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-860">5,141,626</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-121" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-861">7,040,053</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-122" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-862">22,235,008</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-123" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-863">21,025,844</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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-122" decimals="-3" name="us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" format="ixt:num-dot-decimal" scale="3" id="f-864">103,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-123" decimals="-3" name="us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" format="ixt:num-dot-decimal" scale="3" id="f-865">81,554</ix:nonFraction>&#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 loan 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%">(<ix:nonFraction unitRef="usd" contextRef="c-122" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-866">1,435,920</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-123" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-867">1,335,105</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-122" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-868">20,902,158</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-123" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-869">19,772,293</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"/></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"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">FFELP Loans</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)</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%"><ix:nonFraction unitRef="usd" contextRef="c-124" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="f-870">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-125" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-871">537,401</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-124" decimals="-3" name="us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" format="ixt:fixed-zero" scale="3" id="f-872">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-125" decimals="-3" name="us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" format="ixt:num-dot-decimal" scale="3" id="f-873">1,330</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 loan 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%"><ix:nonFraction unitRef="usd" contextRef="c-124" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:fixed-zero" scale="3" id="f-874">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-125" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-875">4,667</ix:nonFraction>)</span></td><td style="background-color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-124" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:fixed-zero" scale="3" id="f-876">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-125" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-877">534,064</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"/></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%">Loans held for investment, 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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-878">20,902,158</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-879">20,306,357</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"/></tr></table></div><div style="margin-top:6pt;padding-left:117pt;padding-right:94.5pt;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">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> FFELP Loans were transferred to loans held for sale during the third quarter of 2024 and subsequently sold to a third party during the fourth quarter of 2024.   </span></div><div style="margin-top:6pt;padding-left:117pt;padding-right:45pt;text-indent:-9pt"><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 estimated weighted average life of education loans in our portfolio was approximately <ix:nonNumeric contextRef="c-1" name="slm:EstimatedWeightedAverageLifeOfStudentLoans" format="ixt-sec:duryear" id="f-880">5.6</ix:nonNumeric> years and <ix:nonNumeric contextRef="c-9" name="slm:EstimatedWeightedAverageLifeOfStudentLoans" format="ixt-sec:duryear" id="f-881">5.0</ix:nonNumeric> years at December&#160;31, 2024 and 2023, 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 (net of unamortized premium/(discount)) and the respective weighted average interest rates of loans in our portfolio are summarized as follows:</span></div><div style="margin-top:6pt;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: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%">2024</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%">2023</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%">2022</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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-126" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="f-882">21,121,545</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-126" decimals="4" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="f-883">10.81</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-127" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="f-884">21,039,701</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 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%"><ix:nonFraction unitRef="number" contextRef="c-127" decimals="4" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="f-885">10.86</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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-128" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="f-886">20,576,737</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 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%"><ix:nonFraction unitRef="number" contextRef="c-128" decimals="4" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="f-887">9.14</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 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-113" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="f-888">413,338</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-113" decimals="4" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="f-889">7.45</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-129" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="f-890">574,218</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-129" decimals="4" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="f-891">7.19</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-130" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="f-892">662,194</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-130" decimals="4" name="slm:WeightedAverageInterestRateonLoans" scale="-2" id="f-893">4.62</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="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 #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="f-894">21,534,883</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;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"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="f-895">21,613,919</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" format="ixt:num-dot-decimal" scale="3" id="f-896">21,238,931</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;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></table></div></ix:nonNumeric><div style="margin-top:12pt;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:112%">Over the course of the last few years, we have made significant changes to our credit administration practices, enhancing our loss mitigation programs through both our forbearance and loan modification offerings. We adjust the terms of loans for certain borrowers when we believe such changes will help our borrowers manage their student loan obligations and 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 or permanent interest rate reduction, a temporary or permanent interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment or interest-only 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%">Forbearance allows a borrower to not make scheduled payments for a specified period of time. Our forbearance policies and practices vary depending upon whether a borrower is current or delinquent at the time forbearance is requested, generally with stricter requirements for delinquent borrowers. 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></ix:continuation><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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:94.722%"><tr><td style="width:0.1%"/><td style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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: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"/></tr></table></div></div><ix:continuation id="f-839-3" continuedAt="f-839-4"><div style="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%">During the first six months following a borrower&#8217;s grace period, the borrower may be eligible for extended grace forbearance, which provides temporary payment relief to give the borrower additional time to be in a position to make regular principal and interest 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:112%">Hardship forbearance may be granted in order to provide temporary payment relief to borrowers who are either current in their payments but demonstrate a need for relief, or who are delinquent in their payments but demonstrate an ability and willingness to repay their obligation.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In these circumstances, a borrower&#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, for borrowers who were current when they entered forbearance, or those who were delinquent but met specific payment requirements curing their delinquency, the borrower will enter repayment status as current.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In all instances, the borrowers are expected to begin making scheduled monthly payments at the end of their forbearance periods.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">This strategy is aimed at assisting borrowers while mitigating the risks of delinquency and default as well as encouraging resolution of delinquent loans.</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%">Disaster forbearance is used to assist borrowers affected by material events, typically federally-declared disasters, including hurricanes, wildfires, floods, and pandemics. 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:112%">Currently, we generally grant forbearance in increments of <span style="-sec-ix-hidden:f-897">one</span> to <ix:nonNumeric contextRef="c-132" name="slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted" format="ixt-sec:durwordsen" id="f-898">two months</ix:nonNumeric> at a time, for up to <ix:nonNumeric contextRef="c-1" name="slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" format="ixt-sec:durmonth" id="f-899">12</ix:nonNumeric> months over the life of the loan, although extended grace forbearance is typically granted in one six-month increment and disaster forbearance and certain other limited instances do not apply toward the <ix:nonNumeric contextRef="c-1" name="slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" format="ixt-sec:durwordsen" id="f-900">12-month</ix:nonNumeric> limit. We also currently require <ix:nonNumeric contextRef="c-1" name="slm:FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" format="ixt-sec:durmonth" id="f-901">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="c-1" decimals="INF" name="slm:FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants" scale="0" id="f-902">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 extended grace forbearances 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="c-1" name="slm:FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1" format="ixt-sec:durmonth" id="f-903">12</ix:nonNumeric> months and twice in <ix:nonNumeric contextRef="c-1" name="slm:FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2" format="ixt-sec:durwordsen" id="f-904">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="c-1" name="slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" format="ixt-sec:durwordsen" id="f-905">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%">For borrowers experiencing more severe hardship, following evaluation of their ability and willingness to repay, we currently use modification programs tailored to the financial condition of the individual borrower. Pursuant to our modification programs, we may reduce the contractual interest rate on a loan to a rate between <ix:nonFraction unitRef="number" contextRef="c-133" decimals="3" name="slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" format="ixt:num-dot-decimal" scale="-2" id="f-906">2</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="c-134" decimals="3" name="slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" format="ixt:num-dot-decimal" scale="-2" id="f-907">8</ix:nonFraction> percent for a temporary period of <span style="-sec-ix-hidden:f-908">two</span> to <ix:nonNumeric contextRef="c-134" name="slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration" format="ixt-sec:durwordsen" id="f-909">four years</ix:nonNumeric>, and in some instances may also permanently extend the final maturity of the loan. For borrowers experiencing the most severe financial conditions, we may permanently reduce the contractual interest rate on a loan to <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="slm:InterestRateReductionPercentage" format="ixt:num-dot-decimal" scale="-2" id="f-910">2</ix:nonFraction> percent for the remaining life of the loan and also permanently extend the final maturity of the loan.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Following modification, borrowers who are delinquent but meet specific payment requirements curing their delinquency will be brought current. We currently limit the granting of a permanent extension of the final maturity date of a loan to once over the life of the loan, and the number of interest rate reductions to twice over the life of the loan. </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 continually 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, 2024 and 2023, we had $<ix:nonFraction unitRef="usd" contextRef="c-122" decimals="-6" name="us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" scale="6" id="f-911">142</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="c-123" decimals="-6" name="us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" scale="6" id="f-912">151</ix:nonFraction> million, respectively, of Private Education Loans held for investment that were more than <ix:nonNumeric contextRef="c-9" name="slm:PeriodofLoansPastDueThatHaveAccruedInterest" format="ixt-sec:durday" id="f-913"><ix:nonNumeric contextRef="c-1" name="slm:PeriodofLoansPastDueThatHaveAccruedInterest" format="ixt-sec:durday" id="f-914">90</ix:nonNumeric></ix:nonNumeric> days delinquent and continue to accrue interest.  As of December 31, 2023, $<ix:nonFraction unitRef="usd" contextRef="c-125" decimals="-6" name="us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" scale="6" id="f-915">45</ix:nonFraction>&#160;million of FFELP Loans held for investment were more than <ix:nonNumeric contextRef="c-9" name="slm:PeriodofLoansPastDueThatHaveAccruedInterest" format="ixt-sec:durday" id="f-916"><ix:nonNumeric contextRef="c-1" name="slm:PeriodofLoansPastDueThatHaveAccruedInterest" format="ixt-sec:durday" id="f-917">90</ix:nonNumeric></ix:nonNumeric> days delinquent that continued to accrue interest. We sold the FFELP Loan portfolio to an unaffiliated third party during the fourth quarter of 2024. At December&#160;31, 2024 and December 31, 2023, we had an <ix:nonFraction unitRef="usd" contextRef="c-1" decimals="INF" name="slm:LoansinNonaccrualStatus" format="ixt:fixed-zero" scale="0" id="f-918"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="INF" name="slm:LoansinNonaccrualStatus" format="ixt:fixed-zero" scale="0" id="f-919">immaterial</ix:nonFraction></ix:nonFraction> amount of 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:8pt;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, 2024 and 2023, we had $<ix:nonFraction unitRef="usd" contextRef="c-122" decimals="-8" name="slm:LoanspledgedtoBorrowerinCustody" scale="9" id="f-920">2.3</ix:nonFraction> billion and $<ix:nonFraction unitRef="usd" contextRef="c-123" decimals="-8" name="slm:LoanspledgedtoBorrowerinCustody" scale="9" id="f-921">1.4</ix:nonFraction> billion, respectively, of Private Education Loans pledged to this borrowing facility, as discussed further in Note 10, &#8220;Borrowings&#8221; in this Form 10-K. We did not have any FFELP Loans pledged at December 31, 2024 or 2023. </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">32    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;text-align:center"><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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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: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"/></tr></table></div></div><ix:continuation id="f-839-4"><ix:nonNumeric contextRef="c-1" name="slm:LoansheldforinvestmentbyRegionTableTextBlock" id="f-922" escape="true"><div style="margin-top:8pt;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, 2024 and 2023, <ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="slm:PercentageofLoansconcentratedinmajorstates" scale="-2" id="f-923">43.8</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="slm:PercentageofLoansconcentratedinmajorstates" format="ixt:num-dot-decimal" scale="-2" id="f-924">43.5</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 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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2023</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%">California</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%"><ix:nonFraction unitRef="number" contextRef="c-135" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="f-925">10.2</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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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="c-136" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="f-926">10.1</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%">New York</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-137" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="f-927">9.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-138" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="f-928">9.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="number" contextRef="c-139" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="f-929">7.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-140" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="f-930">7.2</ix:nonFraction>&#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%">Texas</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-141" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="f-931">6.6</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-142" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="f-932">6.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">New Jersey</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-143" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="f-933">5.6</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-144" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="f-934">5.6</ix:nonFraction>&#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%">Florida</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-145" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="f-935">5.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-146" decimals="3" name="slm:PercentageofLoansheldinstate" scale="-2" id="f-936">5.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><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%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="slm:PercentageofLoansconcentratedinmajorstates" scale="-2" id="f-937">43.8</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 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="c-8" decimals="3" name="slm:PercentageofLoansconcentratedinmajorstates" scale="-2" id="f-938">43.5</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="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="c-1" decimals="2" name="slm:PercentageofAggregateOutstandingLoansHeldForInvestment" scale="-2" id="f-939">5</ix:nonFraction> percent of the aggregate outstanding education loans held for investment.</span></div></ix:continuation><div style="text-indent:22.5pt"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_136"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> 6.    <ix:nonNumeric contextRef="c-1" name="us-gaap:AllowanceForCreditLossesTextBlock" id="f-940" continuedAt="f-940-1" escape="true">Allowance for Credit Losses and Unfunded Loan Commitments</ix:nonNumeric></span></div><ix:continuation id="f-940-1" continuedAt="f-940-2"><div style="margin-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 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. </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 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. The allowance is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. When the loan is funded, we transfer that liability to the allowance for 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%">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="c-1" decimals="0" name="slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" scale="0" id="f-941">25</ix:nonFraction> monthly payment that is smaller than the interest accrued on the loan in that month. The allowance for credit losses considers the collectability of both principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. See &#8220;&#8212; Accrued Interest Receivable&#8221; in this Note 6 for further discussion.  </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 years ended December 31, 2024, 2023, and 2022, the allowance for loan losses, ending total loans, and accrued interest balances were all collectively evaluated for impairment, none of the balances were individually evaluated for 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%">See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses&#8221; for a more detailed discussion on our allowance for credit losses accounting policies. </span></div></ix:continuation><div style="text-indent:11.25pt"><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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-940-2" continuedAt="f-940-3"><ix:continuation id="f-844-1" continuedAt="f-844-2"><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 Metrics</span></div><div style="margin-top:9pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables provide a summary of the activity in the allowance for loan losses and the allowance for unfunded loan commitments during the years ended December 31, 2024, 2023, and 2022.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="padding-left:22.5pt;padding-right:22.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.750%"><tr><td style="width:1.0%"/><td style="width:58.253%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.136%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.964%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.503%"/><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:11.138%"/><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, 2024<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%">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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, beginning balance</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: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="c-147" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-942">4,667</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 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-943">1,335,105</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-8" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-944">1,339,772</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"/></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%">Transfer from allowance for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-149" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:fixed-zero" scale="3" id="f-945">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-150" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:num-dot-decimal" scale="3" id="f-946">311,787</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:num-dot-decimal" scale="3" id="f-947">311,787</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Provisions:</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"/></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%">Provision for 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-948">4,010</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-150" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-949">357,067</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-950">361,077</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">Loan sale reduction to 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" format="ixt:fixed-zero" scale="3" id="f-951">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-150" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" format="ixt:num-dot-decimal" scale="3" id="f-952">235,955</ix:nonFraction>)</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" format="ixt:num-dot-decimal" scale="3" id="f-953">235,955</ix:nonFraction>)</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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">(1)</span></div></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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" format="ixt:num-dot-decimal" scale="3" id="f-954">4,010</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" format="ixt:num-dot-decimal" scale="3" id="f-955">121,112</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 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" format="ixt:num-dot-decimal" scale="3" id="f-956">125,122</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"/></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="display:none"/><td colspan="3" style="display:none"/><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%">(<ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" scale="3" id="f-957">380</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-150" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-958">376,840</ix:nonFraction>)</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-959">377,220</ix:nonFraction>)</span></td><td style="background-color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" format="ixt:fixed-zero" scale="3" id="f-960">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-150" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" format="ixt:num-dot-decimal" scale="3" id="f-961">44,756</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" format="ixt:num-dot-decimal" scale="3" id="f-962">44,756</ix:nonFraction>&#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;border-top:1pt solid #000;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;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%">(<ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" scale="3" id="f-963">380</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="f-964">332,084</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 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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="f-965">332,464</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"/></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%">Write-downs arising from transfer of loans to held for sale</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:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-149" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale" format="ixt:num-dot-decimal" scale="3" id="f-966">8,297</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-150" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale" format="ixt:fixed-zero" scale="3" id="f-967">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale" format="ixt:num-dot-decimal" scale="3" id="f-968">8,297</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, ending balance</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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:fixed-zero" scale="3" id="f-969">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-152" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-970">1,435,920</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 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-971">1,435,920</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"/></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-147" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:fixed-zero" scale="3" id="f-972">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-973">112,962</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 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="2" style="background-color:#ededee;border-top:1pt 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="c-8" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-974">112,962</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"/></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%">Provision</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)(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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:fixed-zero" scale="3" id="f-975">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-150" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-976">283,393</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-977">283,393</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Transfer to allowance for loan 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:fixed-zero" scale="3" id="f-978">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-150" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-979">311,787</ix:nonFraction>)</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-980">311,787</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;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%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:fixed-zero" scale="3" id="f-981">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-152" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-982">84,568</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 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-983">84,568</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"/></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:8pt;font-weight:700;line-height:100%">Total allowance for credit losses, ending balance</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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-3" name="slm:AllowanceForCreditLossExcludingAccruedInterest" format="ixt:fixed-zero" scale="3" id="f-984">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-152" decimals="-3" name="slm:AllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-985">1,520,488</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 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: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="c-7" decimals="-3" name="slm:AllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-986">1,520,488</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"/></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;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: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">(5)</span></div></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: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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-149" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" format="ixt:fixed-zero" scale="-2" id="f-987">&#8212;</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"><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;border-top:3pt double #000;padding:0 1pt"/><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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-150" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="f-988">2.19</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"><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;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"/></tr><tr><td colspan="3" 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%">Allowance for loan losses 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-149" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" format="ixt:fixed-zero" scale="0" id="f-989">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-150" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="f-990">4.32</ix:nonFraction>&#160;</span></td><td style="background-color:#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="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%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-149" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" format="ixt:fixed-zero" scale="-2" id="f-991">&#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 colspan="2" style="background-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="c-150" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" scale="-2" id="f-992">5.83</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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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: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%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:fixed-zero" scale="3" id="f-993">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-152" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="f-994">22,235,008</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(5)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:fixed-zero" scale="3" id="f-995">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="f-996">15,139,184</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(5)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:fixed-zero" scale="3" id="f-997">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-152" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="f-998">16,106,751</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:fixed-zero" scale="3" id="f-999">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-152" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:num-dot-decimal" scale="3" id="f-1000">2,311,660</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accrued interest receivable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-3" name="us-gaap:InterestReceivable" format="ixt:fixed-zero" scale="3" id="f-1001">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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="c-152" decimals="-3" name="us-gaap:InterestReceivable" format="ixt:num-dot-decimal" scale="3" id="f-1002">1,549,415</ix:nonFraction>&#160;</span></td><td style="background-color:#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="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></table></div><div style="margin-top:3pt;padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:22.5pt;padding-right:13.5pt;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%">See &#8220;&#8212; Provisions for Credit Losses&#8221; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-left:22.5pt;padding-right:13.5pt;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%">Represents fair value adjustments on loans transferred to held for sale. </span></div><div style="margin-top:3pt;padding-left:22.5pt;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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. See &#8220;&#8212; Unfunded Loan Commitments&#8221; in this Note 6 for further discussion.</span></div><div style="margin-top:3pt;padding-left:22.5pt;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">(4) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left: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">(5) </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div></ix:continuation></ix:continuation><div style="margin-top:3pt;padding-left:22.5pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:9pt;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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">34    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-top:3pt;padding-left:36pt;padding-right:36pt;text-align:center;text-indent:-9pt"><span><br/></span></div><ix:continuation id="f-940-3" continuedAt="f-940-4"><ix:continuation id="f-844-2" continuedAt="f-844-3"><div style="margin-top:3pt;padding-left:36pt;padding-right:36pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.138%"><tr><td style="width:1.0%"/><td style="width:55.834%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.600%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.498%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.529%"/><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:12.481%"/><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, 2023<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%">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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, beginning balance</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: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="c-153" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1003">3,444</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 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1004">1,353,631</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-31" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1005">1,357,075</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"/></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%">Transfer from allowance for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-155" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:fixed-zero" scale="3" id="f-1006">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-156" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1007">320,237</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1008">320,237</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Provisions:</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"/></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%">Provision for 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1009">2,224</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-156" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1010">240,347</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1011">242,571</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">Loan sale reduction to 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" format="ixt:fixed-zero" scale="3" id="f-1012">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-156" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" format="ixt:num-dot-decimal" scale="3" id="f-1013">205,383</ix:nonFraction>)</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" format="ixt:num-dot-decimal" scale="3" id="f-1014">205,383</ix:nonFraction>)</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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">(1)</span></div></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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1015">2,224</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1016">34,964</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 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1017">37,188</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"/></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="display:none"/><td colspan="3" style="display:none"/><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%">(<ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1018">1,001</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-156" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1019">420,095</ix:nonFraction>)</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1020">421,096</ix:nonFraction>)</span></td><td style="background-color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" format="ixt:fixed-zero" scale="3" id="f-1021">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-156" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1022">46,368</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1023">46,368</ix:nonFraction>&#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;border-top:1pt solid #000;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;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%">(<ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1024">1,001</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1025">373,727</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 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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1026">374,728</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"/></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;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%">Allowance for loan losses, ending balance</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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-147" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1027">4,667</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1028">1,335,105</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 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="2" style="background-color:#ededee;border-top:1pt 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="c-8" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1029">1,339,772</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;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%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;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="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%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:fixed-zero" scale="3" id="f-1030">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1031">124,924</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 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1032">124,924</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"/></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%">Provision</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)(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%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:fixed-zero" scale="3" id="f-1033">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-156" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1034">308,275</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1035">308,275</ix:nonFraction>&#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%">Transfer to allowance for loan 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:fixed-zero" scale="3" id="f-1036">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-156" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1037">320,237</ix:nonFraction>)</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1038">320,237</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;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="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%"><ix:nonFraction unitRef="usd" contextRef="c-147" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:fixed-zero" scale="3" id="f-1039">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1040">112,962</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 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="2" style="background-color:#ededee;border-top:1pt 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="c-8" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1041">112,962</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"/></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:8pt;font-weight:700;line-height:100%">Total allowance for credit losses, ending balance</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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-147" decimals="-3" name="slm:AllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1042">4,667</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-3" name="slm:AllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1043">1,448,067</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 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 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="c-8" decimals="-3" name="slm:AllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1044">1,452,734</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"/></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;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: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">(4)</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: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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-155" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="f-1045">0.23</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"><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;border-top:3pt double #000;padding:0 1pt"/><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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-156" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="f-1046">2.44</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"><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;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:#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%">Allowance for loan losses 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%"><ix:nonFraction unitRef="number" contextRef="c-155" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="f-1047">4.66</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-156" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="f-1048">3.57</ix:nonFraction>&#160;</span></td><td style="background-color:#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="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%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-155" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" scale="-2" id="f-1049">0.87</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 colspan="2" style="background-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="c-156" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" scale="-2" id="f-1050">5.89</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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="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 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: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="c-147" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="f-1051">537,401</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="f-1052">21,025,844</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="f-1053">433,225</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="f-1054">15,310,934</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-147" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="f-1055">406,568</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="f-1056">15,409,814</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unfunded loan commitments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-147" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:fixed-zero" scale="3" id="f-1057">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:num-dot-decimal" scale="3" id="f-1058">2,221,077</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accrued interest receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-147" decimals="-3" name="us-gaap:InterestReceivable" format="ixt:fixed-zero" scale="3" id="f-1059">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-3" name="us-gaap:InterestReceivable" format="ixt:num-dot-decimal" scale="3" id="f-1060">1,354,565</ix:nonFraction>&#160;</span></td><td style="background-color:#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="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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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></table></div><div style="margin-top:3pt;padding-left:31.5pt;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 &#8220;&#8212; Provisions for Credit Losses&#8221; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. See &#8220;&#8212; Unfunded Loan Commitments&#8221; in this Note 6 for further discussion.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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">(4) </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div></ix:continuation></ix:continuation><div style="margin-top:3pt;padding-left:18pt;padding-right:27pt;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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-9pt"><span><br/></span></div><ix:continuation id="f-940-4" continuedAt="f-940-5"><ix:continuation id="f-844-3" continuedAt="f-844-4"><div style="padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-9pt"><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:45.748%"/><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:10.504%"/><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:13.226%"/><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:11.364%"/><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:11.366%"/><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, 2022<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="border-top:1pt solid #000;padding:2px 1pt;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 colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, beginning balance</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: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="c-157" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1061">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 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-158" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1062">1,158,977</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-159" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1063">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 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: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="c-17" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1064">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"/></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%">Transfer from allowance for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-160" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:fixed-zero" scale="3" id="f-1065">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-161" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1066">344,310</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-162" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:fixed-zero" scale="3" id="f-1067">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1068">344,310</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Provisions:</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"/></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%">Provision for 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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-160" decimals="-3" sign="-" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" scale="3" id="f-1069">20</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-161" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1070">410,254</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-162" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1071">3,301</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1072">413,535</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">Loan sale reduction to 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-160" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" format="ixt:fixed-zero" scale="3" id="f-1073">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-161" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" format="ixt:num-dot-decimal" scale="3" id="f-1074">174,231</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-162" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" format="ixt:fixed-zero" scale="3" id="f-1075">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" format="ixt:num-dot-decimal" scale="3" id="f-1076">174,231</ix:nonFraction>)</span></td><td style="background-color:#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%">Loans transferred to 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-160" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:fixed-zero" scale="3" id="f-1077">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-161" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:fixed-zero" scale="3" id="f-1078">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-162" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1079">2,372</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1080">2,372</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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="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">(1)</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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-160" decimals="-3" sign="-" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" scale="3" id="f-1081">20</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-161" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1082">236,023</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-162" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" scale="3" id="f-1083">929</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1084">236,932</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"/></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="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#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%">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:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-160" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" scale="3" id="f-1085">613</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-161" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1086">427,416</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-162" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1087">3,215</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1088">431,244</ix:nonFraction>)</span></td><td style="background-color:#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%">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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-160" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" format="ixt:fixed-zero" scale="3" id="f-1089">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-161" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1090">41,737</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-162" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" scale="3" id="f-1091">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1092">41,742</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;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;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%">(<ix:nonFraction unitRef="usd" contextRef="c-160" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" scale="3" id="f-1093">613</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-161" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1094">385,679</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-162" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1095">3,210</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1096">389,502</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"/></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;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%">Allowance for loan losses, ending balance</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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1097">3,444</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1098">1,353,631</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-163" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:fixed-zero" scale="3" id="f-1099">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1100">1,357,075</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"/></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;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="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%"><ix:nonFraction unitRef="usd" contextRef="c-157" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:fixed-zero" scale="3" id="f-1101">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-158" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1102">72,713</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-159" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:fixed-zero" scale="3" id="f-1103">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-17" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1104">72,713</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"/></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%">Provision</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)(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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-160" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:fixed-zero" scale="3" id="f-1105">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-161" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1106">396,521</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-162" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:fixed-zero" scale="3" id="f-1107">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1108">396,521</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Transfer to allowance for loan 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-160" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:fixed-zero" scale="3" id="f-1109">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-161" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1110">344,310</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-162" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:fixed-zero" scale="3" id="f-1111">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-10" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1112">344,310</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;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%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;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="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%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:fixed-zero" scale="3" id="f-1113">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1114">124,924</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-163" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:fixed-zero" scale="3" id="f-1115">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1116">124,924</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"/></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:8pt;font-weight:700;line-height:100%">Total allowance for credit losses, ending balance</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: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="c-153" decimals="-3" name="slm:AllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1117">3,444</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 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-3" name="slm:AllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1118">1,478,555</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-163" decimals="-3" name="slm:AllowanceForCreditLossExcludingAccruedInterest" format="ixt:fixed-zero" scale="3" id="f-1119">&#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 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: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="c-31" decimals="-3" name="slm:AllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1120">1,481,999</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"/></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;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: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">(4)</span></div></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: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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-160" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="f-1121">0.12</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"><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;border-top:3pt double #000;padding:0 1pt"/><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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-161" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" scale="-2" id="f-1122">2.55</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"><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;border-top:3pt double #000;padding:0 1pt"/><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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-162" decimals="4" name="slm:ChargeOffsAsPercentageOfAverageLoansInRepayment" format="ixt:fixed-zero" scale="-2" id="f-1123">&#8212;</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"><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;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:8pt;font-weight:400;line-height:100%">Allowance for loan losses 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-160" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="f-1124">5.62</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-161" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" scale="0" id="f-1125">3.51</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-162" decimals="2" name="slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" format="ixt:fixed-zero" scale="0" id="f-1126">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total 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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-160" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" scale="-2" id="f-1127">0.57</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 colspan="2" style="background-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="c-161" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" scale="-2" id="f-1128">6.30</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 colspan="2" style="background-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="c-162" decimals="4" name="slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" format="ixt:fixed-zero" scale="-2" id="f-1129">&#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 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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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: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%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="f-1130">609,050</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:num-dot-decimal" scale="3" id="f-1131">20,303,688</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-163" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoans" format="ixt:fixed-zero" scale="3" id="f-1132">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#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">(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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-160" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="f-1133">517,139</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-161" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="f-1134">15,103,123</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-162" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment" format="ixt:fixed-zero" scale="3" id="f-1135">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="f-1136">453,915</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:num-dot-decimal" scale="3" id="f-1137">15,129,550</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-163" decimals="-3" name="slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment" format="ixt:fixed-zero" scale="3" id="f-1138">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;font-weight:400;line-height:100%">Unfunded loan commitments</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:fixed-zero" scale="3" id="f-1139">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:num-dot-decimal" scale="3" id="f-1140">1,995,808</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-163" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:fixed-zero" scale="3" id="f-1141">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accrued interest receivable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-3" name="us-gaap:InterestReceivable" format="ixt:fixed-zero" scale="3" id="f-1142">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-3" name="us-gaap:InterestReceivable" format="ixt:num-dot-decimal" scale="3" id="f-1143">1,177,562</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-163" decimals="-3" name="us-gaap:InterestReceivable" format="ixt:fixed-zero" scale="3" id="f-1144">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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></table></div><div style="margin-top:3pt;padding-right:3.6pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:31.5pt;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 &#8220;&#8212; Provisions for Credit Losses&#8221; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. See &#8220;&#8212; Unfunded Loan Commitments&#8221; in this Note 6 for further discussion.</span><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></div><div style="margin-top:3pt;padding-left:31.5pt;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%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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">(4) </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div></ix:continuation></ix:continuation><div style="margin-top:3pt;padding-left:18pt;padding-right:27pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-right:3.6pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-right:3.6pt;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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">36    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-940-5" continuedAt="f-940-6"><ix:continuation id="f-844-4" continuedAt="f-844-5"><div style="margin-top:3pt;padding-right:3.6pt;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%">Provisions for Credit 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%">Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:6pt;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:76.527%"><tr><td style="width:1.0%"/><td style="width:50.624%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.070%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.689%"/><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:13.419%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.707%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.966%"/><td style="width:0.1%"/></tr><tr><td colspan="15" 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:8pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</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 style="height:5pt"><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="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,</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="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="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2024</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:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</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:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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:8pt;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"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#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:8pt;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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalNewCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1145">121,112</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalNewCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1146">34,964</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-161" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalNewCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1147">236,023</ix:nonFraction>&#160;</span></td><td style="background-color:#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:8pt;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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalExistingCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1148">283,393</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-156" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalExistingCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1149">308,275</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-161" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalExistingCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1150">396,521</ix:nonFraction>&#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%">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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1151">404,505</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1152">343,239</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-161" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1153">632,544</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"/></tr><tr><td colspan="3" 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%">Other impacts to the provisions for credit losses:</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 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts" format="ixt:num-dot-decimal" scale="3" id="f-1154">4,010</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-155" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts" format="ixt:num-dot-decimal" scale="3" id="f-1155">2,224</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-160" decimals="-3" sign="-" name="slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts" scale="3" id="f-1156">20</ix:nonFraction>)</span></td><td style="background-color:#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:8pt;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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-164" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts" format="ixt:fixed-zero" scale="3" id="f-1157">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-114" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts" format="ixt:fixed-zero" scale="3" id="f-1158">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-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="c-162" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts" scale="3" id="f-1159">929</ix:nonFraction>&#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:8pt;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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts" format="ixt:num-dot-decimal" scale="3" id="f-1160">4,010</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts" format="ixt:num-dot-decimal" scale="3" id="f-1161">2,224</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts" scale="3" id="f-1162">909</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"/></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%">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: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="c-1" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1163">408,515</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 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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1164">345,463</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1165">633,453</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"/></tr></table></div></ix:continuation><div><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%">The provision for credit losses for the year ended December 31, 2024 was $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="6" id="f-1166">409</ix:nonFraction>&#160;million, compared with $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="6" id="f-1167">345</ix:nonFraction>&#160;million in the year-ago period. During 2024, the provision for credit losses was primarily affected by new loan commitments, net of expired commitments, and changes in recovery rates, which were partially offset by $<ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" format="ixt:num-dot-decimal" scale="6" id="f-1168">236</ix:nonFraction>&#160;million in negative provisions recorded as a result of the approximately $<ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-7" name="slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold" format="ixt:num-dot-decimal" scale="9" id="f-1169">3.69</ix:nonFraction>&#160;billion in Private Education Loan sales during 2024, an improved economic outlook, and changes in 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-weight:400;line-height:120%">In 2023, the provision for credit losses was primarily affected by new loan commitments, net of expired commitments, slower prepayment rates, management overlays, and changes in economic outlook, which were partially offset by $<ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" format="ixt:num-dot-decimal" scale="6" id="f-1170">205</ix:nonFraction>&#160;million in negative provisions recorded as a result of the approximately $<ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-7" name="slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold" format="ixt:num-dot-decimal" scale="9" id="f-1171">3.15</ix:nonFraction>&#160;billion in Private Education Loan sales during 2023 and an increase in recovery rates (as the result of a change in our defaulted loan recovery process). </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 2022, the provision for credit losses was primarily affected by new loan commitments made during the period, slower than expected prepayment rates, and additional management overlays, which were partially offset by negative provisions recorded related to approximately $<ix:nonFraction unitRef="usd" contextRef="c-161" decimals="-7" name="slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold" format="ixt:num-dot-decimal" scale="9" id="f-1172">3.34</ix:nonFraction>&#160;billion in Private Education Loans sold in 2022 and the adoption of a new loss model that included a reduction in the long-term estimate of losses after the reasonable and supportable period. Management overlays increased in 2022 due to several factors, including additional provisions arising from our expectation of higher future losses related to the previously announced credit administration practices changes we implemented in 2021, &#8220;gap year&#8221; loans, a shortage and lack of tenured collections staff, and other operational challenges we experienced in 2022.  &#8220;Gap year&#8221; loans refer to loans to borrowers who took a &#8220;gap year&#8221; during the COVID-19 pandemic and entered full principal and interest repayment status starting in late 2021 and early 2022. Losses on those &#8220;gap year&#8221; loans were higher than expected and contributed to the higher provision expense recorded in 2022 to cover the higher-than-expected losses.  </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:400;line-height:120%">Private Education Loans Allowance for Credit Losses - Forecast Assumptions </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%">See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses&#8221; for a more detailed discussion on the forecast assumptions used in calculating the allowance for credit losses. </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:400;line-height:120%">Loan Modifications to Borrowers Experiencing Financial Difficulty</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 allowance for credit losses incorporates an estimate of lifetime expected credit losses and is recorded on each asset upon asset origination or acquisition. The starting point for the estimate of the allowance for credit losses is historical information, which includes losses from modifications of receivables whose borrowers are experiencing financial difficulty. We use a discounted cash flow model to determine the allowance for credit losses. An assessment of whether a borrower is experiencing financial difficulty is made on the date of a modification.</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 effect of most modifications of loans made to borrowers who are experiencing financial difficulty is already included in the allowance for credit losses because of the measurement methodologies used to estimate the allowance. The forecast of expected future cash flows is updated as the loan modifications occur.</span></div></ix:continuation><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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;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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-940-6" continuedAt="f-940-7"><div style="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, we deem loans greater than <ix:nonNumeric contextRef="c-1" name="slm:CriteriaForLoansToBeConsideredAsNonperforming" format="ixt-sec:durday" id="f-1173">90</ix:nonNumeric> days past due as nonperforming. FFELP Loans are at least <ix:nonFraction unitRef="number" contextRef="c-7" decimals="2" name="slm:TierOneofGovernmentGuarantee" format="ixt:num-dot-decimal" scale="-2" id="f-1174">97</ix:nonFraction> percent guaranteed as to their principal and accrued interest by the federal government in the event of default and, therefore, we did not deem FFELP Loans as nonperforming from a credit risk perspective at any point in their life cycle prior to claim payment and continued 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%">For additional information, see Note 2, &#8220;Significant Accounting Policies &#8212;Allowance for Credit Losses&#8221; in this Form 10-K. </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%">Under our current forbearance practices, temporary forbearance of payments is generally granted in <span style="-sec-ix-hidden:f-1175">one</span>-to-<ix:nonNumeric contextRef="c-132" name="slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted" format="ixt-sec:durwordsen" id="f-1176">two month</ix:nonNumeric> increments, for up to <ix:nonNumeric contextRef="c-1" name="slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" format="ixt-sec:durmonth" id="f-1177">12</ix:nonNumeric> months over the life of the loan, with <ix:nonFraction unitRef="payment" contextRef="c-1" decimals="INF" name="slm:FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants" scale="0" id="f-1178">12</ix:nonFraction> months of positive payment performance by a borrower required between grants (meaning the borrower must make payment in a cumulative amount equivalent to <ix:nonFraction unitRef="payment" contextRef="c-1" decimals="INF" name="slm:FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants" scale="0" id="f-1179">12</ix:nonFraction> monthly required payments under the loan). During the first six months following a borrower&#8217;s grace period, the borrower may be eligible for extended grace forbearance in one six-month increment (which would also count towards the 12-month forbearance cap). See Note 5, &#8220;Loans Held for Investment &#8212; Certain Collection Tools - Private Education Loans&#8221; in this Form 10-K. In the first quarter of 2022, we adopted ASU No. 2022-02. Under this ASU, if the debt has been previously restructured, an entity must consider the cumulative effect of past restructurings made within the 12-month period before the current restructuring when determining whether a delay in payment resulting from the current restructuring is insignificant. Due to our current forbearance practices, including the limitations on forbearances offered to borrowers, we do not believe the granting of forbearances will exceed the significance threshold and, therefore, we do not consider the forbearances as loan modifications. </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 offer certain administrative forbearances (e.g., death and disability, bankruptcy, military service, disaster forbearance, and in school assistance) that are required by law (such as by the Servicemembers Civil Relief Act), are considered separate from our active loss mitigation programs, or do not exceed the significance threshold and therefore are not considered to be loan modifications requiring disclosure under ASU No. 2022-02. In addition, we may offer on a limited basis term extensions or rate reductions or a combination of both to borrowers to reduce consolidation activities. For purposes of this disclosure, we do not consider them modifications of loans to borrowers experiencing financial difficulty and they therefore are not included in the tables 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%">For additional information on our forbearance and modification programs, see Note 5, &#8220;Loans Held for Investment &#8212;Certain Collection Tools &#8212; Private Education Loans&#8221; in this Form 10-K. </span></div><div style="margin-bottom:12pt;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%">As part of the additional modification programs that were launched in the fourth quarter of 2023, we also offered for a short period of time a permanent term extension with no interest rate reduction program. This program ended in the fourth quarter of 2023. The amortized cost of this program totaled $<ix:nonFraction unitRef="usd" contextRef="c-165" decimals="-5" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated" format="ixt:num-dot-decimal" scale="6" id="f-1180">7.3</ix:nonFraction>&#160;million as of December 31, 2024, representing <ix:nonFraction unitRef="number" contextRef="c-166" decimals="4" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" format="ixt:num-dot-decimal" scale="-2" id="f-1181">0.03</ix:nonFraction> percent of the total Private Education Loan portfolio. This program added a weighted average of <ix:nonNumeric contextRef="c-166" name="us-gaap:FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" format="ixt-sec:duryear" id="f-1182">6.7</ix:nonNumeric> years to the life of loans in the program. As of December 31, 2024, $<ix:nonFraction unitRef="usd" contextRef="c-167" decimals="-5" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated" scale="6" id="f-1183">6.0</ix:nonFraction> million of these loans were in a current or deferred status, $<ix:nonFraction unitRef="usd" contextRef="c-168" decimals="-5" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated" scale="6" id="f-1184">0.6</ix:nonFraction> million of these loans were 30-59 days past due, $<ix:nonFraction unitRef="usd" contextRef="c-169" decimals="-5" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated" scale="6" id="f-1185">0.4</ix:nonFraction> million of these loans were 60-89 days past due, and $<ix:nonFraction unitRef="usd" contextRef="c-170" decimals="-5" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated" scale="6" id="f-1186">0.3</ix:nonFraction> million of these loans were 90 days or greater past due. As of December 31, 2024, the defaulted amount and amortized cost basis of loans that received a permanent term extension and no interest rate reduction and defaulted during the year ended December 31, 2024 and were modified for borrowers experiencing financial difficulty during the twelve months prior to default were $<ix:nonFraction unitRef="usd" contextRef="c-165" decimals="-5" name="us-gaap:FinancingReceivableModificationsRecordedInvestment" scale="6" id="f-1187">2.5</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="c-171" decimals="-5" name="us-gaap:FinancingReceivableModificationsRecordedInvestment" scale="6" id="f-1188">2.0</ix:nonFraction> million, respectively. Additionally, loans that received a permanent term extension with no interest rate reduction in the fourth quarter of 2023 that were both modified and subsequently charged-off during the twelve months ended December 31, 2024 are not included in the amortized cost basis and had an amortized cost basis of $<ix:nonFraction unitRef="usd" contextRef="c-166" decimals="-5" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" scale="6" id="f-1189">0.6</ix:nonFraction> million.</span></div></ix:continuation><div style="margin-bottom:12pt;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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">38    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:nonNumeric contextRef="c-1" name="slm:FinancingReceivablesAmortizedCostBasisTableTextBlock" id="f-1190" continuedAt="f-1190-1" escape="true"><ix:continuation id="f-940-7" continuedAt="f-940-8"><div style="margin-bottom:12pt;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 show the amortized cost basis at the end of the respective reporting periods of the loans to borrowers experiencing financial difficulty that were modified during the period, disaggregated by class of financing receivable and type of modification. When we approve a Private Education Loan at the beginning of an academic year, we do not always disburse the full amount of the loan at the time of 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 consider borrowers to be in financial difficulty after they have exited school and have difficulty making their scheduled principal and interest payments. The increase in loan modifications during the year ended December 31, 2024 compared to the year-ago period is primarily due to additional modification programs implemented in the fourth quarter of 2023 and subsequent refinements to those programs.</span></div><div style="margin-bottom:12pt;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%">       </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 style="width:32.177%"/><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:14.207%"/><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:14.207%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.297%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.207%"/><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:14.212%"/><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="21" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Modifications Made to Borrowers Experiencing Financial Difficulty</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:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2024<br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" 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%">Interest Rate Reduction</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Combination - Interest Rate Reduction and Term Extension</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Type:</span></td><td colspan="3" style="border-top:1pt solid #000;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%">Amortized Cost Basis</span></td><td colspan="3" style="border-top:1pt solid #000;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%">% of Total Class of Financing 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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost Basis</span></td><td colspan="3" style="border-top:1pt solid #000;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%">% of Total Class of Financing Receivable</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%"><ix:nonFraction unitRef="usd" contextRef="c-172" decimals="-3" name="slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" format="ixt:num-dot-decimal" scale="3" id="f-1191">31,966</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 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%"><ix:nonFraction unitRef="number" contextRef="c-172" decimals="4" name="slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" scale="-2" id="f-1192">0.13</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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-173" decimals="-3" name="slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" format="ixt:num-dot-decimal" scale="3" id="f-1193">1,003,089</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-173" decimals="4" name="slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" scale="-2" id="f-1194">4.20</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-174" decimals="-3" name="slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" format="ixt:num-dot-decimal" scale="3" id="f-1195">31,966</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 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%"><ix:nonFraction unitRef="number" contextRef="c-174" decimals="4" name="slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" scale="-2" id="f-1196">0.13</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 style="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="c-175" decimals="-3" name="slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" format="ixt:num-dot-decimal" scale="3" id="f-1197">1,003,089</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 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%"><ix:nonFraction unitRef="number" contextRef="c-175" decimals="4" name="slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" scale="-2" id="f-1198">4.20</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="margin-bottom:12pt;margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-bottom:12pt;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:83.472%"><tr><td style="width:1.0%"/><td style="width:32.177%"/><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:14.207%"/><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:14.207%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.297%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.207%"/><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:14.212%"/><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="21" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Modifications Made to Borrowers Experiencing Financial Difficulty</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:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2023<br/>(dollars in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" 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%">Interest Rate Reduction</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Combination - Interest Rate Reduction and Term Extension</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Type:</span></td><td colspan="3" style="border-top:1pt solid #000;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%">Amortized Cost Basis</span></td><td colspan="3" style="border-top:1pt solid #000;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%">% of Total Class of Financing 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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost Basis</span></td><td colspan="3" style="border-top:1pt solid #000;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%">% of Total Class of Financing Receivable</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%"><ix:nonFraction unitRef="usd" contextRef="c-176" decimals="-3" name="slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" format="ixt:num-dot-decimal" scale="3" id="f-1199">48,637</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 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%"><ix:nonFraction unitRef="number" contextRef="c-176" decimals="4" name="slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" scale="-2" id="f-1200">0.22</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 style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-177" decimals="-3" name="slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" format="ixt:num-dot-decimal" scale="3" id="f-1201">331,889</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-177" decimals="4" name="slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" scale="-2" id="f-1202">1.48</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-178" decimals="-3" name="slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" format="ixt:num-dot-decimal" scale="3" id="f-1203">48,637</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 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%"><ix:nonFraction unitRef="number" contextRef="c-178" decimals="4" name="slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" scale="-2" id="f-1204">0.22</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 style="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="c-179" decimals="-3" name="slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" format="ixt:num-dot-decimal" scale="3" id="f-1205">331,889</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 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%"><ix:nonFraction unitRef="number" contextRef="c-179" decimals="4" name="slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" scale="-2" id="f-1206">1.48</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><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"/></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></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%">The following tables describe the financial effect of the modifications made to loans whose borrowers are experiencing financial difficulty: </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:6pt;text-indent:24.75pt"><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 style="width:25.000%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.558%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.634%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.558%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.572%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.558%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.120%"/><td style="width:0.1%"/></tr><tr><td colspan="21" 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%">Year Ended December 31, 2024</span></td></tr><tr><td colspan="9" style="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%">Interest Rate Reduction</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="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%">Combination - Interest Rate <br/>Reduction and Term Extension</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%">Loan Type</span></td><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"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Financial Effect</span></td><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"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Loan Type</span></td><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"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Financial Effect</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%">Private Education Loans</span></td><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:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reduced average contractual rate from <ix:nonFraction unitRef="number" contextRef="c-180" decimals="4" name="slm:FinancingReceivableChangeInContractualRate" scale="-2" id="f-1207">13.22</ix:nonFraction>% to <ix:nonFraction unitRef="number" contextRef="c-181" decimals="4" name="slm:FinancingReceivableChangeInContractualRate" scale="-2" id="f-1208">3.79</ix:nonFraction>%</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: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 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:9pt;font-weight:400;line-height:100%">Added a weighted average <ix:nonNumeric contextRef="c-173" name="slm:WeightedAverageLifeOfLoans" format="ixt-sec:duryear" id="f-1209">9.23</ix:nonNumeric> years to the life of loans</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:100%">Reduced average contractual rate from <ix:nonFraction unitRef="number" contextRef="c-182" decimals="4" name="slm:FinancingReceivableChangeInContractualRate" scale="-2" id="f-1210">12.71</ix:nonFraction>% to <ix:nonFraction unitRef="number" contextRef="c-183" decimals="4" name="slm:FinancingReceivableChangeInContractualRate" scale="-2" id="f-1211">3.66</ix:nonFraction>%</span></div></td></tr></table></div></ix:continuation></ix:nonNumeric><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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-940-8" continuedAt="f-940-9"><ix:continuation id="f-1190-1"><div style="margin-top:6pt;text-indent:24.75pt"><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 style="width:25.000%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.558%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.634%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.558%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.572%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.558%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.120%"/><td style="width:0.1%"/></tr><tr><td colspan="21" 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%">Year Ended December 31, 2023</span></td></tr><tr><td colspan="9" style="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%">Interest Rate Reduction</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="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%">Combination - Interest Rate <br/>Reduction and Term Extension</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%">Loan Type</span></td><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"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Financial Effect</span></td><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"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Loan Type</span></td><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"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Financial Effect</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%">Private Education Loans</span></td><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:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reduced average contractual rate from <ix:nonFraction unitRef="number" contextRef="c-184" decimals="4" name="slm:FinancingReceivableChangeInContractualRate" scale="-2" id="f-1212">13.37</ix:nonFraction>% to <ix:nonFraction unitRef="number" contextRef="c-185" decimals="4" name="slm:FinancingReceivableChangeInContractualRate" scale="-2" id="f-1213">4.00</ix:nonFraction>%</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: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 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:9pt;font-weight:400;line-height:100%">Added a weighted average <ix:nonNumeric contextRef="c-177" name="slm:WeightedAverageLifeOfLoans" format="ixt-sec:duryear" id="f-1214">10.20</ix:nonNumeric> years to the life of loans</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:100%">Reduced average contractual rate from <ix:nonFraction unitRef="number" contextRef="c-186" decimals="4" name="slm:FinancingReceivableChangeInContractualRate" scale="-2" id="f-1215">12.92</ix:nonFraction>% to <ix:nonFraction unitRef="number" contextRef="c-187" decimals="4" name="slm:FinancingReceivableChangeInContractualRate" scale="-2" id="f-1216">4.00</ix:nonFraction>%</span></div></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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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></ix:continuation><div style="margin-top:6pt;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:112%">Private Education Loans are charged off at the end of the month in which they reach <ix:nonNumeric contextRef="c-150" name="slm:ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" format="ixt-sec:durday" id="f-1217">120</ix:nonNumeric> days delinquent or otherwise when the loans are classified as a loss by us or our regulator. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount. See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses &#8212; Allowance for Private Education Loan Losses&#8221; and &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses &#8212;  Allowance for FFELP Loan Losses&#8221; in this Form 10-K for a more detailed discussion.</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 the periods presented, the following table presents the defaulted amount and period-end amortized cost basis, by modification category, of loans that defaulted during the period and were modified for borrowers experiencing financial difficulty during the 12 months preceding default. Solely for the purpose of the below table, starting in the quarter ended December 31, 2024, we changed our definition of payment default to be two missed consecutive post-modification payment obligations. As such, as reflected for the year ended December 31, 2024 below, defaulted amount represents the principal amount of modified loans at the time the borrower missed two consecutive post-modification payment obligations during the period. Previously, as reflected for the year ended December 31, 2023 in the table below, defaulted amount represented the principal amount of modified loans at the time they became 60 days or more past due in the relevant period. Loans that were both modified and subsequently charged-off during the twelve months ended December 31, 2024 are not included in the period-end amortized cost basis and had an amortized cost basis of $<ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-5" name="slm:FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount" scale="6" id="f-1218">40.4</ix:nonFraction> million at the time of charge-off. The increase in loan modifications during the year ended December 31, 2024 compared to the year-ago period is primarily due to the additional modification programs implemented in the fourth quarter of 2023 and subsequent refinements to those programs. <ix:nonNumeric contextRef="c-1" name="us-gaap:FinancingReceivableModifiedSubsequentDefaultTableTextBlock" id="f-1219" continuedAt="f-1219-1" escape="true">The following two tables do not include loans that received a permanent term extension with no interest rate reduction during the fourth quarter of 2023, which are described earlier in this Note 6.</ix:nonNumeric></span></div><ix:continuation id="f-1219-1"><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:82.638%"><tr><td style="width:1.0%"/><td style="width:29.824%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.866%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.866%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.144%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.866%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.976%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.870%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="display:none"/></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2024</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2023 </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:7pt;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%">Defaulted 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:8pt;font-weight:700;line-height:100%">Period-end Amortized Cost Basis</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%">Defaulted 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:8pt;font-weight:700;line-height:100%">Period-end Amortized Cost Basis</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%">Loan Type:</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%">Private Education 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"/></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%">Interest Rate Reduction</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%"><ix:nonFraction unitRef="usd" contextRef="c-188" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1220">6,460</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-188" decimals="-3" name="us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" format="ixt:num-dot-decimal" scale="3" id="f-1221">4,621</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-189" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1222">4,521</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-189" decimals="-3" name="us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" format="ixt:num-dot-decimal" scale="3" id="f-1223">4,174</ix:nonFraction>&#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%">Combination - Interest Rate Reduction and Term Extension</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-190" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1224">143,300</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-190" decimals="-3" name="us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" format="ixt:num-dot-decimal" scale="3" id="f-1225">114,307</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-191" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1226">26,341</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-191" decimals="-3" name="us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" format="ixt:num-dot-decimal" scale="3" id="f-1227">24,798</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-192" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1228">149,760</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 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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-192" decimals="-3" name="us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" format="ixt:num-dot-decimal" scale="3" id="f-1229">118,928</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-193" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1230">30,862</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-193" decimals="-3" name="us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" format="ixt:num-dot-decimal" scale="3" id="f-1231">28,972</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"/></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"/></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></table></div></ix:continuation></ix:continuation><div style="margin-top:6pt;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><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">40    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-940-9" continuedAt="f-940-10"><div style="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 closely monitor performance of the loans to borrowers experiencing financial difficulty that are modified to understand the effectiveness of the modification efforts. <ix:nonNumeric contextRef="c-1" name="us-gaap:PastDueFinancingReceivablesTableTextBlock" id="f-1232" continuedAt="f-1232-1" escape="true">The following table depicts the performance of loans that have been modified during the respective reporting periods (the twelve months ended December 31, 2024 and 2023, respectively).</ix:nonNumeric></span></div><ix:continuation id="f-1232-1" continuedAt="f-1232-2"><div style="margin-top:6pt;text-indent:24.75pt"><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 style="width:41.514%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.686%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.349%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.275%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.648%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.349%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.279%"/><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="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:8pt;font-weight:700;line-height:100%">Twelve Months Ended<br/>December 31, 2024</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:8pt;font-weight:700;line-height:100%">Twelve Months Ended<br/>December 31, 2023</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:7pt;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%">Balance</span></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:8pt;font-weight:400;line-height:100%">%</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%">Balance</span></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:8pt;font-weight:400;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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Payment Status (Amortized Cost Basis)</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)</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">:</span></div></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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loan modifications in 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">(2)</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%"><ix:nonFraction unitRef="usd" contextRef="c-194" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1233">33,645</ix:nonFraction>&#160;</span></td><td style="background-color:#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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-195" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1234">6,843</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><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%">Loan modifications 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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans current</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)(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%"><ix:nonFraction unitRef="usd" contextRef="c-196" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1235">826,007</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-196" decimals="2" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent" scale="-2" id="f-1236">83</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-197" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1237">334,967</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-197" decimals="2" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent" scale="-2" id="f-1238">90</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="padding-left:6pt"><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">(3)(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%"><ix:nonFraction unitRef="usd" contextRef="c-198" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1239">77,446</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-198" decimals="2" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent" scale="-2" id="f-1240">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: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%"><ix:nonFraction unitRef="usd" contextRef="c-199" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1241">17,205</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-199" decimals="2" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent" scale="-2" id="f-1242">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: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="padding-left:6pt"><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">(3)(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%"><ix:nonFraction unitRef="usd" contextRef="c-200" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1243">43,484</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-200" decimals="2" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent" scale="-2" id="f-1244">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: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%"><ix:nonFraction unitRef="usd" contextRef="c-201" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1245">7,689</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-201" decimals="2" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent" scale="-2" id="f-1246">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: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:6pt"><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">(3)(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%"><ix:nonFraction unitRef="usd" contextRef="c-202" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1247">54,473</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-202" decimals="2" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent" scale="-2" id="f-1248">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><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-203" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1249">13,822</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-203" decimals="2" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent" scale="-2" id="f-1250">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: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%">Total loan modifications 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:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1251">1,001,410</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 colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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="c-1" decimals="INF" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent" scale="-2" id="f-1252">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: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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1253">373,683</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 colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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="c-9" decimals="INF" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent" scale="-2" id="f-1254">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: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 Loan modifications</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%"><ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1255">1,035,055</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 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 style="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="c-156" decimals="-3" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" format="ixt:num-dot-decimal" scale="3" id="f-1256">380,526</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 colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"/></tr></table></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: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">Loans that were both modified and subsequently charged-off during the twelve months ended December 31, 2024 and 2023 are excluded from the table and had an amortized cost basis of $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-5" name="slm:FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount" format="ixt:num-dot-decimal" scale="6" id="f-1257">40.4</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-5" name="slm:FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount" format="ixt:num-dot-decimal" scale="6" id="f-1258">8.4</ix:nonFraction>&#160;million, respectively. Additionally, loans that received a permanent term extension with no interest rate reduction during the fourth quarter of 2023 are excluded from the table.</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: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">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make full principal and interest payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation). Deferment also includes loans that have entered a forbearance after the loan modification was granted.</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:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt">Represents loans in repayment, which include 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:7pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt">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: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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="text-indent:11.25pt"><span><br/></span></div><ix:continuation id="f-940-10" continuedAt="f-940-11"><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%">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="c-1" name="us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock" id="f-1259" continuedAt="f-1259-1" escape="true">The following tables highlight the gross principal balance of our Private Education Loan portfolio (held for investment), by year of origination approval/first disbursement, stratified by key credit quality indicators. </ix:nonNumeric></span></div><ix:continuation id="f-1259-1" continuedAt="f-1259-2"><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: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, 2024 <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 Approval</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%">2024</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%">2023</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%">2022</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%">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:top"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019 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%"><ix:nonFraction unitRef="usd" contextRef="c-204" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1260">4,519,952</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-204" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1261">4,707,685</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-204" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1262">2,741,871</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-204" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1263">1,759,261</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-204" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1264">1,151,751</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-204" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1265">4,642,019</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-204" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1266">19,522,539</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-204" decimals="2" name="slm:PercentOfPrivateLoans" scale="-2" id="f-1267">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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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="c-205" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1268">504,640</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-205" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1269">613,825</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-205" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1270">443,376</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-205" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1271">310,175</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-205" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1272">222,245</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-205" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1273">618,208</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-205" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1274">2,712,469</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-205" decimals="2" name="slm:PercentOfPrivateLoans" scale="-2" id="f-1275">12</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-206" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1276">5,024,592</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-206" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1277">5,321,510</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-206" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1278">3,185,247</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-206" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1279">2,069,436</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-206" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1280">1,373,996</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-206" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1281">5,260,227</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-206" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1282">22,235,008</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 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%"><ix:nonFraction unitRef="number" contextRef="c-206" decimals="INF" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="f-1283">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 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 Approval</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%"><ix:nonFraction unitRef="usd" contextRef="c-207" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1284">293,025</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-207" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1285">394,962</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-207" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1286">261,589</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-207" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1287">155,661</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-207" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1288">94,355</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-207" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1289">475,186</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-207" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1290">1,674,778</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-207" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1291">8</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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="c-208" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1292">615,617</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-208" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1293">753,548</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-208" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1294">449,214</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-208" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1295">285,181</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-208" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1296">197,205</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-208" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1297">898,535</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-208" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1298">3,199,300</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-208" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1299">14</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-209" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1300">1,525,547</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-209" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1301">1,641,641</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-209" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1302">998,834</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-209" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1303">660,373</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-209" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1304">451,695</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-209" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1305">1,782,121</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-209" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1306">7,060,211</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-209" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1307">32</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-210" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1308">2,590,403</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-210" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1309">2,531,359</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-210" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1310">1,475,610</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-210" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1311">968,221</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-210" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1312">630,741</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-210" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1313">2,104,385</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-210" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1314">10,300,719</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-210" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1315">46</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-211" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1316">5,024,592</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-211" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1317">5,321,510</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: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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-211" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1318">3,185,247</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-211" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1319">2,069,436</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-211" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1320">1,373,996</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-211" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1321">5,260,227</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-211" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1322">22,235,008</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 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%"><ix:nonFraction unitRef="number" contextRef="c-211" decimals="INF" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="f-1323">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 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%"><ix:nonFraction unitRef="usd" contextRef="c-212" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1324">453,705</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-212" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1325">666,049</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-212" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1326">467,562</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-212" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1327">301,367</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-212" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1328">194,124</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-212" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1329">831,053</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-212" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1330">2,913,860</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-212" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1331">13</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%">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%"><ix:nonFraction unitRef="usd" contextRef="c-213" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1332">633,749</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-213" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1333">710,546</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-213" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1334">409,808</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-213" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1335">248,325</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-213" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1336">138,730</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-213" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1337">578,639</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-213" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1338">2,719,797</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-213" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1339">12</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-214" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1340">1,485,771</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-214" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1341">1,512,643</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-214" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1342">879,450</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-214" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1343">563,941</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-214" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1344">362,715</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-214" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1345">1,398,737</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-214" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1346">6,203,257</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-214" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1347">28</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-215" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1348">2,451,367</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-215" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1349">2,432,272</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-215" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1350">1,428,427</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-215" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1351">955,803</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-215" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1352">678,427</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-215" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1353">2,451,798</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-215" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1354">10,398,094</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-215" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1355">47</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-216" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1356">5,024,592</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-216" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1357">5,321,510</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-216" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1358">3,185,247</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-216" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1359">2,069,436</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-216" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1360">1,373,996</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-216" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1361">5,260,227</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-216" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1362">22,235,008</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 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%"><ix:nonFraction unitRef="number" contextRef="c-216" decimals="INF" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="f-1363">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 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%"><ix:nonFraction unitRef="usd" contextRef="c-217" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1364">2,860,113</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-217" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1365">774,471</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-217" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1366">499,812</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-217" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1367">280,154</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-217" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1368">159,762</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-217" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1369">324,506</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-217" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1370">4,898,818</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-217" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" scale="-2" id="f-1371">22</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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="c-218" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1372">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-218" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1373">2,729,334</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-218" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1374">372,496</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-218" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1375">191,989</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-218" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1376">122,938</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-218" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1377">340,556</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-218" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1378">3,757,313</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-218" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" scale="-2" id="f-1379">17</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-219" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1380">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-219" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1381">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-219" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1382">1,564,157</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-219" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1383">254,068</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-219" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1384">110,952</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-219" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1385">429,127</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-219" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1386">2,358,304</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-219" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" scale="-2" id="f-1387">11</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-220" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1388">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-220" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1389">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-220" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1390">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-220" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1391">987,977</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-220" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1392">170,051</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-220" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1393">451,494</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-220" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1394">1,609,522</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-220" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" scale="-2" id="f-1395">7</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-221" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1396">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-221" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1397">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-221" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1398">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-221" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1399">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-221" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1400">625,916</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-221" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1401">3,262,308</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-221" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1402">3,888,224</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-221" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" scale="-2" id="f-1403">17</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-222" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1404">2,164,479</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-222" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1405">1,817,705</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-222" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1406">748,782</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-222" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1407">355,248</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-222" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1408">184,377</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-222" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1409">452,236</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-222" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1410">5,722,827</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-222" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" scale="-2" id="f-1411">26</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-223" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1412">5,024,592</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-223" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1413">5,321,510</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-223" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1414">3,185,247</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-223" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1415">2,069,436</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-223" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1416">1,373,996</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-223" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1417">5,260,227</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-223" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1418">22,235,008</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 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%"><ix:nonFraction unitRef="number" contextRef="c-223" decimals="INF" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="f-1419">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 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%">2024 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%">(<ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1420">1,826</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1421">29,094</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1422">68,454</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1423">53,697</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1424">37,318</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1425">186,451</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-224" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1426">376,840</ix:nonFraction>)</span></td><td style="background-color:#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%">2024 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%"><ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" scale="3" id="f-1427">117</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1428">2,191</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1429">6,487</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1430">5,771</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1431">3,840</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1432">26,350</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1433">44,756</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">2024 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1434">1,709</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1435">26,903</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1436">61,967</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1437">47,926</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1438">33,478</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1439">160,101</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1440">332,084</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 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 approval 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1441">195,291</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1442">484,531</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-225" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1443">325,962</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1444">197,504</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-225" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1445">106,565</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1446">239,562</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-225" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1447">1,549,415</ix:nonFraction>&#160;</span></td><td style="background-color:#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 2024.</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, 2024 through December 31, 2024.</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></div></ix:continuation></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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">42    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div><span><br/></span></div><ix:continuation id="f-1259-2"><ix:continuation id="f-940-11" continuedAt="f-940-12"><div style="text-align:center"><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, 2023 <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 Approval</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%">2023</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%">2022</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%">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 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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-226" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1448">3,903,676</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-226" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1449">4,428,163</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-226" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1450">2,516,380</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-226" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1451">1,535,308</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-226" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1452">1,378,699</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-226" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1453">4,529,768</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-226" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1454">18,291,994</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-226" decimals="2" name="slm:PercentOfPrivateLoans" scale="-2" id="f-1455">87</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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="c-227" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1456">586,443</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-227" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1457">660,576</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-227" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1458">421,042</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-227" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1459">283,781</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-227" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1460">253,601</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-227" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1461">528,407</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-227" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1462">2,733,850</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-227" decimals="2" name="slm:PercentOfPrivateLoans" scale="-2" id="f-1463">13</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-228" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1464">4,490,119</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-228" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1465">5,088,739</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-228" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1466">2,937,422</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-228" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1467">1,819,089</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-228" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1468">1,632,300</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: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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-228" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1469">5,058,175</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-228" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1470">21,025,844</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: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%"><ix:nonFraction unitRef="number" contextRef="c-228" decimals="INF" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="f-1471">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 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 Approval</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-229" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1472">328,199</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-229" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1473">395,526</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-229" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1474">208,696</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-229" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1475">118,935</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-229" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1476">137,494</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-229" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1477">451,613</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-229" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1478">1,640,463</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-229" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1479">8</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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="c-230" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1480">635,642</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-230" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1481">704,642</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-230" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1482">400,744</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-230" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1483">254,762</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-230" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1484">257,840</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-230" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1485">868,777</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-230" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1486">3,122,407</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-230" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1487">15</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1488">1,383,779</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1489">1,586,783</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1490">934,033</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1491">590,401</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1492">545,333</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1493">1,709,299</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-231" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1494">6,749,628</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-231" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1495">32</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-232" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1496">2,142,499</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-232" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1497">2,401,788</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-232" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1498">1,393,949</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-232" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1499">854,991</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-232" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1500">691,633</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-232" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1501">2,028,486</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-232" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1502">9,513,346</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-232" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1503">45</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-233" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1504">4,490,119</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-233" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1505">5,088,739</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-233" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1506">2,937,422</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-233" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1507">1,819,089</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-233" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1508">1,632,300</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: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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-233" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1509">5,058,175</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-233" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1510">21,025,844</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: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%"><ix:nonFraction unitRef="number" contextRef="c-233" decimals="INF" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="f-1511">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 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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-234" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1512">495,451</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-234" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1513">638,381</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-234" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1514">379,738</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-234" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1515">217,956</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-234" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1516">214,665</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-234" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1517">791,875</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-234" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1518">2,738,066</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-234" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1519">13</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%">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%"><ix:nonFraction unitRef="usd" contextRef="c-235" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1520">616,684</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-235" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1521">672,777</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-235" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1522">365,674</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-235" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1523">193,462</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-235" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1524">176,963</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-235" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1525">564,245</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-235" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1526">2,589,805</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-235" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1527">12</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-236" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1528">1,347,094</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-236" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1529">1,477,310</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-236" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1530">836,747</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-236" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1531">498,414</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-236" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1532">445,244</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-236" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1533">1,361,073</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-236" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1534">5,965,882</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-236" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1535">28</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-237" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1536">2,030,890</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-237" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1537">2,300,271</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-237" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1538">1,355,263</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-237" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1539">909,257</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-237" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1540">795,428</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-237" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1541">2,340,982</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-237" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1542">9,732,091</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-237" decimals="2" name="slm:PrivateEducationLoansAtOrigination" scale="-2" id="f-1543">47</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-238" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1544">4,490,119</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-238" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1545">5,088,739</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-238" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1546">2,937,422</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-238" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1547">1,819,089</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-238" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1548">1,632,300</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-238" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1549">5,058,175</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-238" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1550">21,025,844</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 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%"><ix:nonFraction unitRef="number" contextRef="c-238" decimals="INF" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="f-1551">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 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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-239" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1552">2,514,079</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-239" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1553">740,450</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-239" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1554">440,293</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-239" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1555">245,631</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-239" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1556">208,941</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-239" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1557">332,608</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-239" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1558">4,482,002</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-239" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" scale="-2" id="f-1559">21</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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="c-240" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1560">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-240" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1561">2,675,956</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-240" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1562">303,045</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-240" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1563">167,532</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-240" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1564">165,577</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-240" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1565">384,760</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-240" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1566">3,696,870</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-240" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" scale="-2" id="f-1567">18</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-241" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1568">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-241" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1569">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-241" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1570">1,524,834</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-241" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1571">195,091</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-241" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1572">129,571</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-241" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1573">456,448</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-241" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1574">2,305,944</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-241" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" scale="-2" id="f-1575">11</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-242" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1576">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-242" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1577">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-242" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1578">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-242" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1579">902,938</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-242" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1580">208,521</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-242" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1581">446,350</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-242" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1582">1,557,809</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-242" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" scale="-2" id="f-1583">7</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-243" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1584">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-243" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1585">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-243" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="3" id="f-1586">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-243" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" scale="3" id="f-1587">116</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-243" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1588">706,097</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-243" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1589">2,985,015</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-243" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1590">3,691,228</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-243" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" scale="-2" id="f-1591">18</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-244" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1592">1,976,040</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-244" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1593">1,672,333</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-244" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1594">669,250</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-244" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1595">307,781</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-244" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1596">213,593</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-244" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1597">452,994</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-244" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1598">5,291,991</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-244" decimals="2" name="slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" scale="-2" id="f-1599">25</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-245" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1600">4,490,119</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-245" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1601">5,088,739</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-245" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1602">2,937,422</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-245" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1603">1,819,089</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-245" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1604">1,632,300</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: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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-245" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1605">5,058,175</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-245" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1606">21,025,844</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: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%"><ix:nonFraction unitRef="number" contextRef="c-245" decimals="INF" name="slm:PrivateEducationLoansGrossPercentage" scale="-2" id="f-1607">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 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%">2023 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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1608">1,812</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1609">31,032</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1610">70,331</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1611">49,624</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1612">50,585</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1613">216,711</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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="c-246" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1614">420,095</ix:nonFraction>)</span></td><td style="background-color:#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%">2023 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%"><ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" scale="3" id="f-1615">172</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1616">2,342</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1617">6,496</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1618">4,923</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1619">5,260</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1620">27,175</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1621">46,368</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">2023 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%">(<ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1622">1,640</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1623">28,690</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1624">63,835</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1625">44,701</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1626">45,325</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1627">189,536</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" format="ixt:num-dot-decimal" scale="3" id="f-1628">373,727</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 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 approval 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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1629">177,959</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-247" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1630">408,800</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1631">269,978</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-247" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1632">152,094</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1633">116,618</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-247" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1634">229,116</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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="c-247" decimals="-3" name="slm:FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1635">1,354,565</ix:nonFraction>&#160;</span></td><td style="background-color:#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:middle"><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 2023.</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, 2023 through December 31, 2023.</span></div></td></tr></table></div></ix:continuation></ix:continuation><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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1232-2" continuedAt="f-1232-3"><ix:continuation id="f-940-12" continuedAt="f-940-13"><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 approval/first disbursement. 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). </span></div><div style="text-indent:22.5pt"><span><br/></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:95.555%"><tr><td style="width:1.0%"/><td style="width:25.062%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.202%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.962%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.202%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.962%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.202%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.962%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.056%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.962%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.056%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.962%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.638%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.962%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.229%"/><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 Approval 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, 2024<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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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 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%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1636">2,164,479</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1637">1,817,705</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-248" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1638">748,782</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1639">355,248</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-248" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1640">184,377</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1641">452,236</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-248" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1642">5,722,827</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-249" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1643">19,984</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-249" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1644">124,728</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-249" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1645">87,961</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-249" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1646">52,686</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-249" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1647">31,575</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-249" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1648">88,496</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-249" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1649">405,430</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-250" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1650">2,820,940</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-250" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1651">3,312,916</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-250" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1652">2,259,455</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-250" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1653">1,590,812</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-250" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1654">1,107,189</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-250" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1655">4,422,021</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-250" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1656">15,513,333</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1657">13,533</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1658">36,441</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1659">45,543</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1660">35,245</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1661">27,302</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1662">152,684</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1663">310,748</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-252" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1664">3,973</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-252" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1665">15,239</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-252" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1666">23,359</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-252" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1667">18,365</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-252" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1668">10,921</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-252" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1669">68,878</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-252" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1670">140,735</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-253" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1671">1,683</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-253" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1672">14,481</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-253" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1673">20,147</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-253" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1674">17,080</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-253" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1675">12,632</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-253" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1676">75,912</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-253" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1677">141,935</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansInRepaymentOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1678">2,840,129</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1679">3,379,077</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1680">2,348,504</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1681">1,661,502</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1682">1,158,044</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1683">4,719,495</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansInRepaymentBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1684">16,106,751</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"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansGrossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1685">5,024,592</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1686">5,321,510</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1687">3,185,247</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1688">2,069,436</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1689">1,373,996</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1690">5,260,227</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansGrossBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1691">22,235,008</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"/></tr><tr><td colspan="3" 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1692">47,659</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1693">25,599</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1694">10,788</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1695">6,142</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1696">4,057</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1697">8,825</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1698">103,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1699">5,072,251</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1700">5,347,109</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1701">3,196,035</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1702">2,075,578</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1703">1,378,053</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1704">5,269,052</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:LoansBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1705">22,338,078</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"/></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%">(<ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1706">258,235</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1707">326,207</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1708">234,532</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1709">150,324</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1710">90,600</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1711">376,022</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1712">1,435,920</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1713">4,814,016</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1714">5,020,902</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1715">2,961,503</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1716">1,925,254</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1717">1,287,453</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1718">4,893,030</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1719">20,902,158</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"/></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="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" scale="-2" id="f-1720">56.5</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><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="f-1721">63.5</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><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" scale="-2" id="f-1722">73.7</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" scale="-2" id="f-1723">80.3</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" scale="-2" id="f-1724">84.3</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" scale="-2" id="f-1725">89.7</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" scale="-2" id="f-1726">72.4</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></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%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" scale="-2" id="f-1727">0.7</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: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%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="f-1728">2.0</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: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%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" scale="-2" id="f-1729">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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" scale="-2" id="f-1730">4.3</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" scale="-2" id="f-1731">4.4</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" scale="-2" id="f-1732">6.3</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepayment" scale="-2" id="f-1733">3.7</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: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%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" scale="-2" id="f-1734">0.7</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="f-1735">3.6</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" scale="-2" id="f-1736">3.6</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" scale="-2" id="f-1737">3.1</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: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%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" scale="-2" id="f-1738">2.7</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" scale="-2" id="f-1739">1.8</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" scale="-2" id="f-1740">2.5</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></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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">44    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-1232-3" continuedAt="f-1232-4"><ix:continuation id="f-940-13" continuedAt="f-940-14"><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 Approval 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, 2023 <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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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 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%"><ix:nonFraction unitRef="usd" contextRef="c-254" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1741">1,976,040</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-254" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1742">1,672,333</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-254" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1743">669,250</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-254" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1744">307,781</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-254" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1745">213,593</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-254" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1746">452,994</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-254" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1747">5,291,991</ix:nonFraction>&#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">(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%"><ix:nonFraction unitRef="usd" contextRef="c-255" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1748">19,265</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-255" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1749">93,079</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-255" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1750">58,438</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-255" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1751">35,450</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-255" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1752">31,818</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-255" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1753">85,989</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-255" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1754">324,039</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1755">2,469,817</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1756">3,254,534</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1757">2,131,040</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1758">1,416,069</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1759">1,323,825</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1760">4,213,986</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1761">14,809,271</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-257" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1762">17,599</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-257" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1763">34,627</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-257" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1764">37,147</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-257" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1765">28,020</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-257" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1766">31,432</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-257" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1767">149,926</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-257" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1768">298,751</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-258" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1769">5,720</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-258" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1770">17,227</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-258" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1771">20,077</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-258" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1772">16,614</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-258" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1773">15,482</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-258" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1774">75,897</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-258" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1775">151,017</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1776">1,678</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1777">16,939</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1778">21,470</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1779">15,155</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1780">16,150</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1781">79,383</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1782">150,775</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansInRepaymentOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1783">2,494,814</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1784">3,323,327</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1785">2,209,734</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1786">1,475,858</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1787">1,386,889</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1788">4,519,192</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansInRepaymentBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1789">15,409,814</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"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansGrossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1790">4,490,119</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1791">5,088,739</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1792">2,937,422</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1793">1,819,089</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1794">1,632,300</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1795">5,058,175</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansGrossBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1796">21,025,844</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"/></tr><tr><td colspan="3" 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1797">35,616</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1798">18,556</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1799">9,465</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1800">5,809</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1801">3,556</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1802">8,552</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1803">81,554</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1804">4,525,735</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1805">5,107,295</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1806">2,946,887</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1807">1,824,898</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1808">1,635,856</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1809">5,066,727</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:LoansBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1810">21,107,398</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"/></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%">(<ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1811">269,642</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1812">335,090</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1813">194,104</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1814">118,755</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1815">100,111</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1816">317,403</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1817">1,335,105</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1818">4,256,093</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1819">4,772,205</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1820">2,752,783</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1821">1,706,143</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1822">1,535,745</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1823">4,749,324</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1824">19,772,293</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"/></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%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" scale="-2" id="f-1825">55.6</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="f-1826">65.3</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" scale="-2" id="f-1827">75.2</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" scale="-2" id="f-1828">81.1</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: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%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" scale="-2" id="f-1829">85.0</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" scale="-2" id="f-1830">89.3</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" scale="-2" id="f-1831">73.3</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><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%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" scale="-2" id="f-1832">1.0</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: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%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="f-1833">2.1</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" scale="-2" id="f-1834">3.6</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" scale="-2" id="f-1835">4.1</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" scale="-2" id="f-1836">4.5</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" scale="-2" id="f-1837">6.8</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepayment" scale="-2" id="f-1838">3.9</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: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%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" scale="-2" id="f-1839">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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="f-1840">2.7</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" scale="-2" id="f-1841">2.6</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" scale="-2" id="f-1842">2.3</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" scale="-2" id="f-1843">2.2</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" scale="-2" id="f-1844">1.9</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" scale="-2" id="f-1845">2.1</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: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">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 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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="text-align:center;text-indent:22.5pt"><span><br/></span></div><ix:continuation id="f-1232-4"><ix:continuation id="f-940-14" continuedAt="f-940-15"><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:95.416%"><tr><td style="width:1.0%"/><td style="width:25.100%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.818%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.215%"/><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:8.215%"/><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:8.215%"/><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:8.215%"/><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:8.215%"/><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:8.215%"/><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:8.808%"/><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 Approval 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, 2022 <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%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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 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%"><ix:nonFraction unitRef="usd" contextRef="c-260" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1846">1,827,649</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-260" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1847">1,433,322</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-260" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1848">578,253</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-260" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1849">380,639</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-260" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1850">219,280</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-260" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1851">455,910</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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="c-260" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1852">4,895,053</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-261" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1853">16,046</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-261" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1854">64,360</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-261" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1855">38,613</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-261" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1856">37,802</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-261" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1857">30,583</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-261" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1858">91,681</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-261" decimals="-3" name="slm:FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1859">279,085</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-262" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1860">2,411,441</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-262" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1861">2,991,839</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-262" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1862">1,907,574</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-262" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1863">1,683,986</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-262" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1864">1,301,809</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-262" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1865">4,262,698</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-262" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1866">14,559,347</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-263" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1867">14,164</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-263" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1868">30,740</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-263" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1869">30,877</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-263" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1870">35,213</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-263" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1871">31,366</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-263" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1872">144,948</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-263" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1873">287,308</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1874">5,523</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1875">15,056</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1876">14,433</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1877">18,201</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1878">16,697</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1879">77,595</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1880">147,505</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-265" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1881">1,710</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-265" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1882">11,842</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-265" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1883">14,872</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-265" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1884">16,819</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-265" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1885">16,107</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-265" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1886">74,040</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-265" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1887">135,390</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansInRepaymentOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1888">2,432,838</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1889">3,049,477</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1890">1,967,756</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1891">1,754,219</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1892">1,365,979</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1893">4,559,281</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansInRepaymentBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1894">15,129,550</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"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansGrossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1895">4,276,533</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1896">4,547,159</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1897">2,584,622</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1898">2,172,660</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1899">1,615,842</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1900">5,106,872</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansGrossBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1901">20,303,688</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"/></tr><tr><td colspan="3" 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1902">26,714</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1903">15,933</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1904">9,062</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1905">5,496</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1906">3,575</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1907">8,876</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1908">69,656</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1909">4,303,247</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1910">4,563,092</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1911">2,593,684</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansOriginatedThreeYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1912">2,178,156</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansOriginatedFourYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1913">1,619,417</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1914">5,115,748</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:LoansBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1915">20,373,344</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"/></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%">(<ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1916">304,943</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1917">323,506</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1918">181,915</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1919">141,424</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1920">101,023</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1921">300,820</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1922">1,353,631</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1923">3,998,304</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1924">4,239,586</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1925">2,411,769</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1926">2,036,732</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1927">1,518,394</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="3" id="f-1928">4,814,928</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-3" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="3" id="f-1929">19,019,713</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"/></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%"><ix:nonFraction unitRef="number" contextRef="c-31" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" scale="-2" id="f-1930">56.9</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-31" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="f-1931">67.1</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: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%"><ix:nonFraction unitRef="number" contextRef="c-31" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" scale="-2" id="f-1932">76.1</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: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%"><ix:nonFraction unitRef="number" contextRef="c-31" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" scale="-2" id="f-1933">80.7</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-31" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" scale="-2" id="f-1934">84.5</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><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-31" decimals="3" name="slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" scale="-2" id="f-1935">89.3</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-31" decimals="3" name="slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" scale="-2" id="f-1936">74.5</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-31" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" scale="-2" id="f-1937">0.9</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: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%"><ix:nonFraction unitRef="number" contextRef="c-31" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="f-1938">1.9</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: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%"><ix:nonFraction unitRef="number" contextRef="c-31" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" scale="-2" id="f-1939">3.1</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-31" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" scale="-2" id="f-1940">4.0</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: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%"><ix:nonFraction unitRef="number" contextRef="c-31" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" scale="-2" id="f-1941">4.7</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: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%"><ix:nonFraction unitRef="number" contextRef="c-31" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" scale="-2" id="f-1942">6.5</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-31" decimals="3" name="slm:DelinquenciesAsPercentageOfLoansInRepayment" scale="-2" id="f-1943">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></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%"><ix:nonFraction unitRef="number" contextRef="c-31" decimals="3" name="slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" scale="-2" id="f-1944">0.7</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-31" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" scale="-2" id="f-1945">2.1</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: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%"><ix:nonFraction unitRef="number" contextRef="c-31" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" scale="-2" id="f-1946">1.9</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-31" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" scale="-2" id="f-1947">2.1</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: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%"><ix:nonFraction unitRef="number" contextRef="c-31" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" scale="-2" id="f-1948">2.2</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-31" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" scale="-2" id="f-1949">2.0</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-31" decimals="3" name="slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" scale="-2" id="f-1950">1.8</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></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="margin-top:9pt;padding-left:20.25pt;padding-right:54pt"><span><br/></span></div><div style="margin-top:9pt;padding-left:20.25pt;padding-right:54pt"><span><br/></span></div><div style="padding-right: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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">46    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-940-15" continuedAt="f-940-16"><div style="padding-right:18pt"><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="c-1" name="slm:AccruedInterestReceivableTableTextBlock" id="f-1951" continuedAt="f-1951-1" 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="c-1" name="slm:PeriodofLoansPastDueThatHaveAccruedInterest" format="ixt-sec:durday" id="f-1952">90</ix:nonNumeric> days or 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 $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="0" name="slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" scale="0" id="f-1953">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 credit losses considers the collectibility of both principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses &#8212; Uncollectible Interest&#8221; in this Form 10-K for additional information. </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 or 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: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</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%">Uncollectible</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</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: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, 2024</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:AccruedInterestReceivableOnPrivateEducationLoans" format="ixt:num-dot-decimal" scale="3" id="f-1954">1,549,415</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:GreaterThanNinetyDaysPastDueAccruedInterestReceivable" format="ixt:num-dot-decimal" scale="3" id="f-1955">6,420</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:AllowanceForUncollectibleAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1956">12,366</ix:nonFraction>&#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, 2023</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:AccruedInterestReceivableOnPrivateEducationLoans" format="ixt:num-dot-decimal" scale="3" id="f-1957">1,354,565</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:GreaterThanNinetyDaysPastDueAccruedInterestReceivable" format="ixt:num-dot-decimal" scale="3" id="f-1958">8,373</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:AllowanceForUncollectibleAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-1959">9,897</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="margin-top:4.5pt;padding-left:126pt;padding-right:108pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"><ix:continuation id="f-1951-1">(1)  At December 31, 2024 and 2023, $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="slm:AccruedInterestReceivableNotExpectedToBeCapitalized" format="ixt:num-dot-decimal" scale="6" id="f-1960">164</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="slm:AccruedInterestReceivableNotExpectedToBeCapitalized" format="ixt:num-dot-decimal" scale="6" id="f-1961">151</ix:nonFraction>&#160;million, respectively, of accrued interest receivable was not expected to be capitalized and $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="slm:AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses" format="ixt:num-dot-decimal" scale="9" id="f-1962">1.4</ix:nonFraction>&#160;billion and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="slm:AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses" format="ixt:num-dot-decimal" scale="9" id="f-1963">1.2</ix:nonFraction>&#160;billion of accrued interest receivable was expected to be capitalized.</ix:continuation> </span></div><div style="margin-top:4.5pt;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%">Unfunded Loan Commitments </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 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; Off-Balance Sheet Exposure for Contractual Loan Commitments&#8221; in this Form 10-K 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, 2024, we had $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-8" name="us-gaap:ContractualObligation" scale="9" id="f-1964">2.3</ix:nonFraction> billion of outstanding contractual loan commitments that we expect to fund during the remainder of the 2024/2025 academic year. <ix:continuation id="f-844-5" continuedAt="f-844-6">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="f-844-6"><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:502.50pt"><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:1.00pt"/><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:1.00pt"/><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:1.00pt"/><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"/><td colspan="3" style="display:none"/></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%">2024</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%">2023</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%">2022</span></td><td colspan="3" style="display:none"/></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><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="display:none"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1965">112,962</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:num-dot-decimal" scale="3" id="f-1966">2,221,077</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1967">124,924</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:num-dot-decimal" scale="3" id="f-1968">1,995,808</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-17" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1969">72,713</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-17" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:num-dot-decimal" scale="3" id="f-1970">1,776,976</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></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="c-1" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1971">283,393</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1972">7,103,832</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1973">308,275</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1974">6,602,803</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" format="ixt:num-dot-decimal" scale="3" id="f-1975">396,521</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" format="ixt:num-dot-decimal" scale="3" id="f-1976">6,180,805</ix:nonFraction>&#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"/></tr><tr style="height:15pt"><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%">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:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1977">311,787</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" format="ixt:num-dot-decimal" scale="3" id="f-1978">7,013,249</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1979">320,237</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" format="ixt:num-dot-decimal" scale="3" id="f-1980">6,377,534</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:OffBalanceSheetCreditLossLiabilityWriteoff" format="ixt:num-dot-decimal" scale="3" id="f-1981">344,310</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" format="ixt:num-dot-decimal" scale="3" id="f-1982">5,961,973</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr style="height:15pt"><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 style="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="c-7" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1983">84,568</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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:num-dot-decimal" scale="3" id="f-1984">2,311,660</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1985">112,962</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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:num-dot-decimal" scale="3" id="f-1986">2,221,077</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-1987">124,924</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability" format="ixt:num-dot-decimal" scale="3" id="f-1988">1,995,808</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 colspan="3" style="display:none"/></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. Also includes incremental provision for new commitments and changes to provision for existing commitments.</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. </span></div></ix:continuation><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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 style="width:2.732%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:95.234%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.534%"/><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:10pt;font-weight:700;line-height:100%">6.</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 and Unfunded Loan Commitments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-940-16"><div style="margin-top:9pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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="margin-top:9pt;text-indent:24.75pt"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_142"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">      7.  <ix:nonNumeric contextRef="c-1" name="us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock" id="f-1989" continuedAt="f-1989-1" escape="true">Premises and Equipment, net </ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-1989-1" continuedAt="f-1989-2"><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="c-1" name="us-gaap:PropertyPlantAndEquipmentTextBlock" id="f-1990" continuedAt="f-1990-1" escape="true">The following is a summary of our premises and equipment.</ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-1990-1"><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.027%"><tr><td style="width:1.0%"/><td style="width:55.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:1.984%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.666%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.627%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.668%"/><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-267" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" format="ixt:num-dot-decimal" scale="3" id="f-1991">12,356</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-268" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" format="ixt:num-dot-decimal" scale="3" id="f-1992">12,356</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-269" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" format="ixt:num-dot-decimal" scale="3" id="f-1993">124,568</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-270" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" format="ixt:num-dot-decimal" scale="3" id="f-1994">122,301</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-271" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" format="ixt:num-dot-decimal" scale="3" id="f-1995">35,519</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-272" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" format="ixt:num-dot-decimal" scale="3" id="f-1996">34,068</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-273" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" format="ixt:num-dot-decimal" scale="3" id="f-1997">115,132</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-274" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" format="ixt:num-dot-decimal" scale="3" id="f-1998">106,422</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" format="ixt:num-dot-decimal" scale="3" id="f-1999">287,575</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentGross" format="ixt:num-dot-decimal" scale="3" id="f-2000">275,147</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="3" id="f-2001">168,221</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="3" id="f-2002">145,646</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentNet" format="ixt:num-dot-decimal" scale="3" id="f-2003">119,354</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:PropertyPlantAndEquipmentNet" format="ixt:num-dot-decimal" scale="3" id="f-2004">129,501</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"/></tr></table></div></ix:continuation></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="f-1989-2">&#160;&#160;&#160;&#160;Depreciation expense for premises and equipment was $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:Depreciation" scale="6" id="f-2005">18</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:Depreciation" scale="6" id="f-2006">18</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:Depreciation" scale="6" id="f-2007">17</ix:nonFraction> million for the years ended December 31, 2024, 2023, and 2022, respectively.</ix:continuation> </span></div><div><span><br/></span></div><div><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_145"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">       8.  <ix:nonNumeric contextRef="c-1" name="us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock" id="f-2008" continuedAt="f-2008-1" escape="true">Goodwill and Acquired Intangible Assets </ix:nonNumeric></span></div><ix:continuation id="f-2008-1" continuedAt="f-2008-2"><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%">Goodwill</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 recorded as goodwill the excess of the purchase price over the estimated fair values of identifiable assets and liabilities acquired as part of the Nitro acquisition in the first quarter of 2022 and the Scholly acquisition in the third quarter of 2023. At December 31, 2024, we had $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:Goodwill" format="ixt:num-dot-decimal" scale="6" id="f-2009">56</ix:nonFraction>&#160;million in total goodwill. See Note 2, &#8220;Significant Accounting Policies &#8212; Business Combinations&#8221; in this Form 10-K for additional details on our acquisitions of Nitro and Scholly.</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%">Goodwill is not amortized but is tested periodically for impairment. We test goodwill for impairment annually in the fourth quarter of the year, or more frequently if we believe that indicators of impairment exist. As a part of the 2024 annual impairment testing, we conducted a quantitative impairment test of goodwill associated with our education services business. We utilized the income approach to estimate the fair value of the reporting unit. The income approach measures the value of the reporting unit&#8217;s future economic benefit determined by its discounted cash flows derived from our reporting unit&#8217;s internal forecast. Based on the quantitative analysis, we determined that the fair value of the reporting unit exceeded its carrying value. Thus, no impairment charges were recorded during the year ended December 31, 2024.</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%">Acquired Intangible 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%">Our intangible assets include acquired trade name and trademarks, customer relationships, developed technology, and partner relationships. We review our long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of such assets may not be recoverable. </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 fourth quarter of 2023, we determined that it was more likely than not that the Nitro trade name and trademark assets would not be used as originally intended due to changes in business strategy and, therefore, no longer held value. As a result, the Company performed an impairment review and wrote down the Nitro trade name and trademark to zero, which resulted in the recognition of a <span style="-sec-ix-hidden:f-2010">non-cash pre-tax impairment loss</span> of $<ix:nonFraction unitRef="usd" contextRef="c-275" decimals="-6" name="us-gaap:ImpairmentOfIntangibleAssetsFinitelived" format="ixt:num-dot-decimal" scale="6" id="f-2011">56</ix:nonFraction>&#160;million. That impairment loss was recorded to acquired intangible assets impairment and amortization 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%">In the fourth quarter of 2024, we determined that it was more likely than not that the Scholly partner relationships  asset no longer held value. As a result, the Company performed an impairment review and wrote down the Scholly partner relationships asset to zero, which resulted in the recognition of a non-cash pre-tax impairment loss of less than $<ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:ImpairmentOfIntangibleAssetsFinitelived" format="ixt:num-dot-decimal" scale="6" id="f-2012">1</ix:nonFraction>&#160;million. That impairment loss was recorded to acquired intangible assets impairment and amortization expense.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">48    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></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="text-align:center"><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:2.957%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.117%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.526%"/><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:10pt;font-weight:700;line-height:100%">8.</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%">Goodwill and Acquired Intangibles Assets (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-2008-2"><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" id="f-2013" continuedAt="f-2013-1" 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%">Acquired intangible assets include the following:</span></div><div style="margin-top:5pt;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:100.000%"><tr><td style="width:1.0%"/><td style="width:25.355%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.461%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.894%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.329%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.894%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.461%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.878%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.461%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.894%"/><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:8.026%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.461%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.937%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.461%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.298%"/><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:#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: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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2024</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%">2023</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><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:8pt;font-weight:700;line-height:100%">Useful Life</span></div><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(in years)</span><span style="color:#144f82;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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cost Basis</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accumulated Amortization</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cost Basis</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accumulated Amortization</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">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"><div style="padding-left:0.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Trade name and trademarks</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;border-top:1pt solid #000;padding:0 1pt"/><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%"><ix:nonNumeric contextRef="c-277" name="us-gaap:FiniteLivedIntangibleAssetUsefulLife" format="ixt-sec:duryear" id="f-2014">4.0</ix:nonNumeric></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%"><ix:nonFraction unitRef="usd" contextRef="c-277" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsGross" format="ixt:num-dot-decimal" scale="3" id="f-2015">6,040</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-277" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" format="ixt:num-dot-decimal" scale="3" id="f-2016">2,139</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-277" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsNet" format="ixt:num-dot-decimal" scale="3" id="f-2017">3,901</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-278" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsGross" format="ixt:num-dot-decimal" scale="3" id="f-2018">6,040</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-278" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" scale="3" id="f-2019">629</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-278" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsNet" format="ixt:num-dot-decimal" scale="3" id="f-2020">5,411</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Customer relationships</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="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="c-279" name="us-gaap:FiniteLivedIntangibleAssetUsefulLife" format="ixt-sec:duryear" id="f-2021">4.6</ix:nonNumeric></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-279" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsGross" format="ixt:num-dot-decimal" scale="3" id="f-2022">8,920</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-279" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" format="ixt:num-dot-decimal" scale="3" id="f-2023">6,465</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-279" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsNet" format="ixt:num-dot-decimal" scale="3" id="f-2024">2,455</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-280" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsGross" format="ixt:num-dot-decimal" scale="3" id="f-2025">8,920</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-280" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" format="ixt:num-dot-decimal" scale="3" id="f-2026">4,013</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-280" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsNet" format="ixt:num-dot-decimal" scale="3" id="f-2027">4,907</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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:0.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Developed technology</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 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="c-281" name="us-gaap:FiniteLivedIntangibleAssetUsefulLife" format="ixt-sec:duryear" id="f-2028">3.5</ix:nonNumeric></span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-281" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsGross" format="ixt:num-dot-decimal" scale="3" id="f-2029">2,590</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-281" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" format="ixt:num-dot-decimal" scale="3" id="f-2030">1,661</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-281" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsNet" scale="3" id="f-2031">929</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-282" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsGross" format="ixt:num-dot-decimal" scale="3" id="f-2032">2,590</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-282" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" scale="3" id="f-2033">908</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-282" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsNet" format="ixt:num-dot-decimal" scale="3" id="f-2034">1,682</ix:nonFraction>&#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:0.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Partner relationships</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="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%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-283" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsGross" format="ixt:fixed-zero" scale="3" id="f-2035">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-283" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" format="ixt:fixed-zero" scale="3" id="f-2036">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-283" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsNet" format="ixt:fixed-zero" scale="3" id="f-2037">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-284" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsGross" scale="3" id="f-2038">730</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-284" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" scale="3" id="f-2039">122</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-284" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsNet" scale="3" id="f-2040">608</ix:nonFraction>&#160;</span></td><td style="background-color:#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 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%">Sallie.com domain</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%"><ix:nonNumeric contextRef="c-285" name="us-gaap:FiniteLivedIntangibleAssetUsefulLife" format="ixt-sec:duryear" id="f-2041">4.0</ix:nonNumeric></span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-285" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsGross" scale="3" id="f-2042">150</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-285" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" scale="3" id="f-2043">6</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-285" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsNet" scale="3" id="f-2044">144</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-286" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsGross" format="ixt:fixed-zero" scale="3" id="f-2045">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-286" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" format="ixt:fixed-zero" scale="3" id="f-2046">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-286" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsNet" format="ixt:fixed-zero" scale="3" id="f-2047">&#8212;</ix:nonFraction>&#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 acquired intangible assets</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: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="c-7" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsGross" format="ixt:num-dot-decimal" scale="3" id="f-2048">17,700</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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" format="ixt:num-dot-decimal" scale="3" id="f-2049">10,271</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsNet" format="ixt:num-dot-decimal" scale="3" id="f-2050">7,429</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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsGross" format="ixt:num-dot-decimal" scale="3" id="f-2051">18,280</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" format="ixt:num-dot-decimal" scale="3" id="f-2052">5,672</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:FiniteLivedIntangibleAssetsNet" format="ixt:num-dot-decimal" scale="3" id="f-2053">12,608</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"/></tr></table></div><div style="margin-bottom:3pt;margin-top:9pt;padding-left:9pt;padding-right:9pt;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:8pt;font-weight:400;line-height:120%">The weighted average useful life of acquired intangible assets related to the Nitro acquisition is <ix:nonNumeric contextRef="c-287" name="us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" format="ixt-sec:duryear" id="f-2054">4.6</ix:nonNumeric> years and the weighted average useful life of the acquired intangible assets related to the Scholly acquisition is <ix:nonNumeric contextRef="c-288" name="us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" format="ixt-sec:duryear" id="f-2055">4.0</ix:nonNumeric> years.</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:9pt;padding-right:9pt;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%"> Trade name and trademarks, customer relationships, and developed technology at December 31, 2024 include $<ix:nonFraction unitRef="usd" contextRef="c-289" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-2056">4</ix:nonFraction>&#160;million, $<ix:nonFraction unitRef="usd" contextRef="c-290" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-2057">1</ix:nonFraction>&#160;million, and $<ix:nonFraction unitRef="usd" contextRef="c-291" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsNet" format="ixt:num-dot-decimal" scale="6" id="f-2058">1</ix:nonFraction>&#160;million, respectively, related to the Scholly acquisition.</span></div><div style="margin-bottom:3pt;padding-left:9pt;padding-right:9pt;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%"> In 2023, we fully impaired the Nitro trade name and trademarks asset for $<ix:nonFraction unitRef="usd" contextRef="c-292" decimals="-6" name="us-gaap:ImpairmentOfIntangibleAssetsFinitelived" format="ixt:num-dot-decimal" scale="6" id="f-2059">56</ix:nonFraction>&#160;million.</span></div></ix:nonNumeric><div style="margin-bottom:3pt;margin-top:3pt;padding-left:9pt;padding-right:9pt;text-indent:-9pt"><ix:continuation id="f-2013-1" continuedAt="f-2013-2"><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></ix:continuation><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:continuation id="f-2013-2"> In 2024, we fully impaired the Scholly partner relationships asset for less than $<ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:ImpairmentOfIntangibleAssetsFinitelived" format="ixt:num-dot-decimal" scale="6" id="f-2060">1</ix:nonFraction>&#160;million.</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%">We recorded amortization of acquired intangible assets totaling approximately $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:AmortizationOfIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-2061">5</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:AmortizationOfIntangibleAssets" format="ixt:num-dot-decimal" scale="6" id="f-2062">10</ix:nonFraction>&#160;million in the years ended December 31, 2024 and 2023, respectively. We will continue to amortize our intangible assets with definite useful lives over their remaining estimated useful lives. We estimate amortization expense associated with these intangible assets will be approximately $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" format="ixt:num-dot-decimal" scale="6" id="f-2063">4</ix:nonFraction>&#160;million, $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" format="ixt:num-dot-decimal" scale="6" id="f-2064">3</ix:nonFraction>&#160;million, and $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" format="ixt:num-dot-decimal" scale="6" id="f-2065">1</ix:nonFraction>&#160;million in 2025, 2026, and 2027.</span></div></ix:continuation><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-49</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_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><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">9.    <ix:nonNumeric contextRef="c-1" name="us-gaap:DepositLiabilitiesDisclosuresTextBlock" id="f-2066" continuedAt="f-2066-1" escape="true">Deposits</ix:nonNumeric></span></div><ix:continuation id="f-2066-1" continuedAt="f-2066-2"><ix:nonNumeric contextRef="c-1" name="slm:ScheduleofDepositsTableTextBlock" id="f-2067" 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 summarizes total deposits at December 31, 2024 and 2023.</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%">2024</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%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:InterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-2068">21,066,752</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:InterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-2069">21,651,657</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:NoninterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-2070">1,816</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:NoninterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-2071">1,531</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="3" id="f-2072">21,068,568</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="3" id="f-2073">21,653,188</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"/></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="c-7" decimals="-8" name="us-gaap:Deposits" scale="9" id="f-2074">21.1</ix:nonFraction> billion were comprised of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-8" name="slm:BrokeredDeposits" scale="9" id="f-2075">9.5</ix:nonFraction> billion in brokered deposits and $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-8" name="slm:RetailandOtherDeposits" scale="9" id="f-2076">11.6</ix:nonFraction> billion in retail and other deposits at December 31, 2024, compared with total deposits of $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-8" name="us-gaap:Deposits" scale="9" id="f-2077">21.7</ix:nonFraction> billion, which were comprised of $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-8" name="slm:BrokeredDeposits" scale="9" id="f-2078">10.3</ix:nonFraction> billion in brokered deposits and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-8" name="slm:RetailandOtherDeposits" scale="9" id="f-2079">11.4</ix:nonFraction> billion in retail and other deposits, at December 31, 2023.</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, 2024 and 2023 consisted of retail and brokered non-maturity savings deposits, retail and brokered non-maturity MMDAs, and retail and brokered CDs. Interest-bearing deposits also include deposits from Educational 529 and Health Savings plans that diversify our funding sources and that we consider to be core. These and other large omnibus accounts, aggregating the deposits of many individual depositors, represented $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-8" name="slm:StableInterestbearingDepositsTotal" format="ixt:num-dot-decimal" scale="9" id="f-2080">7.0</ix:nonFraction>&#160;billion of our deposit total as of December 31, 2024, compared with $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-8" name="slm:StableInterestbearingDepositsTotal" scale="9" id="f-2081">7.6</ix:nonFraction> billion at December 31, 2023. The omnibus accounts are structured in such a way that entitles the individual depositor pass-through deposit insurance (subject to FDIC rules and limitations), and the majority of these deposits have contractual minimum balances and maturity terms.</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="c-1" decimals="-6" name="slm:BrokeredDepositPlacementFee" scale="6" id="f-2082">11</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="slm:BrokeredDepositPlacementFee" scale="6" id="f-2083">12</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="slm:BrokeredDepositPlacementFee" scale="6" id="f-2084">13</ix:nonFraction> million in the years ended December 31, 2024, 2023, and 2022, respectively. Fees paid to third-party brokers related to brokered CDs were $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="slm:ThirdPartyBrokerFeesPaid" scale="6" id="f-2085">8</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="slm:ThirdPartyBrokerFeesPaid" scale="6" id="f-2086">8</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="slm:ThirdPartyBrokerFeesPaid" scale="6" id="f-2087">13</ix:nonFraction> million during the years ended December 31, 2024, 2023, and 2022, respectively. </span></div><ix:nonNumeric contextRef="c-1" name="slm:InterestBearingDepositsTableTextBlock" id="f-2088" continuedAt="f-2088-1" escape="true"><div style="margin-top:12pt;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, 2024 and 2023 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:76.111%"><tr><td style="width:1.0%"/><td style="width:37.586%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.077%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.498%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.712%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.951%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.712%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.498%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.712%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.954%"/><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%">2024</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%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:InterestBearingDomesticDepositMoneyMarket" format="ixt:num-dot-decimal" scale="3" id="f-2089">9,582,290</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositMoneyMarket" scale="-2" id="f-2090">4.27</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: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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:InterestBearingDomesticDepositMoneyMarket" format="ixt:num-dot-decimal" scale="3" id="f-2091">10,258,292</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositMoneyMarket" scale="-2" id="f-2092">4.85</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:InterestBearingDomesticDepositSavings" format="ixt:num-dot-decimal" scale="3" id="f-2093">944,034</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositSavings" scale="-2" id="f-2094">4.02</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:InterestBearingDomesticDepositSavings" format="ixt:num-dot-decimal" scale="3" id="f-2095">945,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositSavings" scale="-2" id="f-2096">4.35</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:InterestBearingDomesticDepositTimeDeposits" format="ixt:num-dot-decimal" scale="3" id="f-2097">10,540,428</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-7" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositTimeDeposits" scale="-2" id="f-2098">4.20</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:InterestBearingDomesticDepositTimeDeposits" format="ixt:num-dot-decimal" scale="3" id="f-2099">10,448,365</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-8" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositTimeDeposits" scale="-2" id="f-2100">3.69</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:InterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-2101">21,066,752</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 colspan="3" style="background-color:#ffffff;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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:InterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-2102">21,651,657</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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr></table></div></ix:nonNumeric><div style="margin-top:9pt;padding-left:20.25pt"><ix:continuation id="f-2088-1" continuedAt="f-2088-2"><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="f-2088-2">  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="c-1" name="slm:ScheduleofMaturitiesofTimeDepositsTableTextBlock" id="f-2103" escape="true"><div><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearOne" format="ixt:num-dot-decimal" scale="3" id="f-2104">6,569,872</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearOne" format="ixt:num-dot-decimal" scale="3" id="f-2105">3,937,766</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearTwo" format="ixt:num-dot-decimal" scale="3" id="f-2106">2,074,849</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearTwo" format="ixt:num-dot-decimal" scale="3" id="f-2107">4,112,902</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearThree" format="ixt:num-dot-decimal" scale="3" id="f-2108">986,262</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearThree" format="ixt:num-dot-decimal" scale="3" id="f-2109">1,881,371</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearFour" format="ixt:num-dot-decimal" scale="3" id="f-2110">189,421</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearFour" format="ixt:num-dot-decimal" scale="3" id="f-2111">327,295</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearFive" format="ixt:num-dot-decimal" scale="3" id="f-2112">720,005</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TimeDepositMaturitiesYearFive" format="ixt:num-dot-decimal" scale="3" id="f-2113">188,802</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TimeDepositMaturitiesAfterYearFive" scale="3" id="f-2114">19</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TimeDepositMaturitiesAfterYearFive" scale="3" id="f-2115">229</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TimeDeposits" format="ixt:num-dot-decimal" scale="3" id="f-2116">10,540,428</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TimeDeposits" format="ixt:num-dot-decimal" scale="3" id="f-2117">10,448,365</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"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="margin-top: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-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%">2022 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><br/></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:95.277%"><tr><td style="width:1.0%"/><td style="width:3.127%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.673%"/><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:10pt;font-weight:700;line-height:100%">9.</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><ix:continuation id="f-2066-2"><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, 2024 and 2023, there were $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:CashUninsuredAmount" scale="6" id="f-2118">567</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:CashUninsuredAmount" scale="6" id="f-2119">478</ix:nonFraction> million, respectively, of deposits exceeding FDIC insurance limits. Accrued interest on deposits was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:InterestPayableCurrent" scale="6" id="f-2120">92</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:InterestPayableCurrent" scale="6" id="f-2121">91</ix:nonFraction> million at December 31, 2024 and 2023, respectively.</span></div></ix:continuation><div style="text-indent:22.5pt"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_151"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">     10.   <ix:nonNumeric contextRef="c-1" name="us-gaap:DebtDisclosureTextBlock" id="f-2122" continuedAt="f-2122-1" escape="true">Borrowings </ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-2122-1" continuedAt="f-2122-2"><div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Outstanding borrowings consist of unsecured debt and secured borrowings issued through our term asset-backed securities (&#8220;ABS&#8221;) program and our Secured Borrowing Facility. The issuing entities for those secured borrowings are VIEs and are consolidated for accounting purposes. <ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfDebtTableTextBlock" id="f-2123" continuedAt="f-2123-1" escape="true">The following table summarizes our secured borrowings at December 31, 2024 and 2023. </ix:nonNumeric></span></div><ix:continuation id="f-2123-1"><div style="margin-top:10.5pt;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%">2024</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%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2124">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2125">995,420</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2126">995,420</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-294" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2127">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-294" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2128">992,200</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-294" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2129">992,200</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2130">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2131">995,420</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2132">995,420</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-294" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2133">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-294" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2134">992,200</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-294" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2135">992,200</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"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-295" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2136">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-295" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2137">4,617,743</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-295" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2138">4,617,743</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-296" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2139">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-296" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2140">3,585,254</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-296" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2141">3,585,254</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-297" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2142">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-297" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2143">827,182</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-297" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2144">827,182</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-298" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2145">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-298" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2146">650,058</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-298" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2147">650,058</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-299" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2148">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-299" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2149">5,444,925</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-299" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2150">5,444,925</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-300" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2151">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-300" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2152">4,235,312</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-300" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2153">4,235,312</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-301" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2154">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-301" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:fixed-zero" scale="3" id="f-2155">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-301" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:fixed-zero" scale="3" id="f-2156">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2157">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:fixed-zero" scale="3" id="f-2158">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:fixed-zero" scale="3" id="f-2159">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2160">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2161">5,444,925</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2162">5,444,925</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-304" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2163">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-304" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2164">4,235,312</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-304" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2165">4,235,312</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"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2166">&#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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2167">6,440,345</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2168">6,440,345</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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2169">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2170">5,227,512</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2171">5,227,512</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"/></tr></table></div></ix:continuation><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:6pt"><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: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 June 14, 2024, we amended our $<ix:nonFraction unitRef="usd" contextRef="c-305" decimals="INF" name="us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity" scale="9" id="f-2172">2</ix:nonFraction> billion maximum Secured Borrowing Facility to extend the maturity. We hold <ix:nonFraction unitRef="number" contextRef="c-305" decimals="INF" name="slm:ResidualInterestPercentageOfFacilityTrust" format="ixt:num-dot-decimal" scale="-2" id="f-2173">100</ix:nonFraction> percent of the residual interest in the Secured Borrowing Facility trust.&#160;The amendment extended the revolving period, during which we may borrow, repay, and reborrow funds, until June 13, 2025.&#160;The scheduled amortization period, during which amounts outstanding under the Secured Borrowing Facility must be repaid, ends on June 13, 2026 (or earlier, if certain material adverse events occur). The one-year revolving period plus the one-year amortization period results in a contractual maturity that is <ix:nonNumeric contextRef="c-306" name="us-gaap:LineOfCreditFacilityExpirationPeriod" format="ixt-sec:durwordsen" id="f-2174">two years</ix:nonNumeric> from the date of inception or renewal; 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. For the years ended December 31, 2024 and December 31, 2023, there were <ix:nonFraction unitRef="usd" contextRef="c-307" decimals="-6" name="us-gaap:LinesOfCreditCurrent" format="ixt:fixed-zero" scale="6" id="f-2175"><ix:nonFraction unitRef="usd" contextRef="c-308" decimals="-6" name="us-gaap:LinesOfCreditCurrent" format="ixt:fixed-zero" scale="6" id="f-2176">no</ix:nonFraction></ix:nonFraction> outstanding short-term borrowings 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%">With the Secured Borrowing Facility, we incur financing costs on the unused borrowing capacity and on any outstanding advances. The non-use fee is based upon the Facility&#8217;s maximum borrowing limit of $<ix:nonFraction unitRef="usd" contextRef="c-309" decimals="INF" name="us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity" format="ixt:num-dot-decimal" scale="9" id="f-2177"><ix:nonFraction unitRef="usd" contextRef="c-310" decimals="INF" name="us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity" format="ixt:num-dot-decimal" scale="9" id="f-2178">2</ix:nonFraction></ix:nonFraction>&#160;billion, for both 2024 and 2023, and is applied to the unfunded balance. The Facility non-use fee was <ix:nonFraction unitRef="number" contextRef="c-311" decimals="INF" name="us-gaap:LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage" scale="-4" id="f-2179"><ix:nonFraction unitRef="number" contextRef="c-312" decimals="INF" name="us-gaap:LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage" scale="-4" id="f-2180">55</ix:nonFraction></ix:nonFraction> basis points in both 2024 and 2023. </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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-51</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="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:3.127%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.673%"/><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: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%">Borrowings (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><ix:continuation id="f-2122-2" continuedAt="f-2122-3"><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%">Long-term Borrowings</span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfDebtInstrumentsTextBlock" id="f-2181" escape="true"><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-weight:400;line-height:115%">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 2056.</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, 2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2024</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, 2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2023</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%">Long-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"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#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%">Floating-rate 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%"><ix:nonFraction unitRef="usd" contextRef="c-313" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2182">827,182</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-313" decimals="4" name="us-gaap:LongtermDebtWeightedAverageInterestRate" scale="-2" id="f-2183">5.71</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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-314" decimals="-3" name="slm:LongTermDebtWeightedAverageOutstandingBalance" format="ixt:num-dot-decimal" scale="3" id="f-2184">724,761</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-315" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2185">650,058</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-315" decimals="4" name="us-gaap:LongtermDebtWeightedAverageInterestRate" scale="-2" id="f-2186">6.51</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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-316" decimals="-3" name="slm:LongTermDebtWeightedAverageOutstandingBalance" format="ixt:num-dot-decimal" scale="3" id="f-2187">715,409</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Fixed-rate 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%"><ix:nonFraction unitRef="usd" contextRef="c-317" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2188">5,613,163</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-317" decimals="4" name="us-gaap:LongtermDebtWeightedAverageInterestRate" scale="-2" id="f-2189">4.09</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-318" decimals="-3" name="slm:LongTermDebtWeightedAverageOutstandingBalance" format="ixt:num-dot-decimal" scale="3" id="f-2190">4,864,359</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-319" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2191">4,577,454</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-319" decimals="4" name="us-gaap:LongtermDebtWeightedAverageInterestRate" scale="-2" id="f-2192">3.52</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-320" decimals="-3" name="slm:LongTermDebtWeightedAverageOutstandingBalance" format="ixt:num-dot-decimal" scale="3" id="f-2193">4,605,806</ix:nonFraction>&#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 long-term borrowings</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2194">6,440,345</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 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%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:LongtermDebtWeightedAverageInterestRate" scale="-2" id="f-2195">4.30</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 style="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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="slm:LongTermDebtWeightedAverageOutstandingBalance" format="ixt:num-dot-decimal" scale="3" id="f-2196">5,589,120</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2197">5,227,512</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 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%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="4" name="us-gaap:LongtermDebtWeightedAverageInterestRate" scale="-2" id="f-2198">3.89</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 style="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="c-9" decimals="-3" name="slm:LongTermDebtWeightedAverageOutstandingBalance" format="ixt:num-dot-decimal" scale="3" id="f-2199">5,321,215</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"/></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><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" id="f-2200" continuedAt="f-2200-1" escape="true"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2024, the maturities of our brokered CDs and borrowings are summarized below. </span></ix:nonNumeric></div><div><span><br/></span></div><ix:continuation id="f-2200-1"><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:63.750%"><tr><td style="width:1.0%"/><td style="width:31.361%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.368%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.889%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.496%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.889%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.675%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.889%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.333%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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="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, 2024<br/>(dollars in thousands)</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%">Brokered CDs</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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<br/>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: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%">Secured Borrowings</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%">Total</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:15pt"><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt 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="display:none"/><td colspan="3" style="display:none"/><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%">2025</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%"><ix:nonFraction unitRef="usd" contextRef="c-321" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" format="ixt:num-dot-decimal" scale="3" id="f-2201">2,763,401</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" format="ixt:num-dot-decimal" scale="3" id="f-2202">498,897</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-322" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" format="ixt:num-dot-decimal" scale="3" id="f-2203">823,843</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" format="ixt:num-dot-decimal" scale="3" id="f-2204">4,086,141</ix:nonFraction>&#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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%">2026</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="c-321" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" format="ixt:num-dot-decimal" scale="3" id="f-2205">1,824,607</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" format="ixt:num-dot-decimal" scale="3" id="f-2206">496,523</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-322" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" format="ixt:num-dot-decimal" scale="3" id="f-2207">840,927</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" format="ixt:num-dot-decimal" scale="3" id="f-2208">3,162,057</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%">2027</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="c-321" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" format="ixt:num-dot-decimal" scale="3" id="f-2209">783,061</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" format="ixt:fixed-zero" scale="3" id="f-2210">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-322" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" format="ixt:num-dot-decimal" scale="3" id="f-2211">823,320</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" format="ixt:num-dot-decimal" scale="3" id="f-2212">1,606,381</ix:nonFraction>&#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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%">2028</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="c-321" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" format="ixt:num-dot-decimal" scale="3" id="f-2213">146,282</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" format="ixt:fixed-zero" scale="3" id="f-2214">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-322" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" format="ixt:num-dot-decimal" scale="3" id="f-2215">642,798</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" format="ixt:num-dot-decimal" scale="3" id="f-2216">789,080</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%">2029</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="c-321" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" format="ixt:num-dot-decimal" scale="3" id="f-2217">683,748</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" format="ixt:fixed-zero" scale="3" id="f-2218">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-322" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" format="ixt:num-dot-decimal" scale="3" id="f-2219">568,779</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" format="ixt:num-dot-decimal" scale="3" id="f-2220">1,252,527</ix:nonFraction>&#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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%">2030 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%"><ix:nonFraction unitRef="usd" contextRef="c-321" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" format="ixt:fixed-zero" scale="3" id="f-2221">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" format="ixt:fixed-zero" scale="3" id="f-2222">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-322" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" format="ixt:num-dot-decimal" scale="3" id="f-2223">1,764,900</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" format="ixt:num-dot-decimal" scale="3" id="f-2224">1,764,900</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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: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%"><ix:nonFraction unitRef="usd" contextRef="c-321" decimals="-3" name="slm:DebtInstrumentFaceAmountMaturityToCallDate" format="ixt:num-dot-decimal" scale="3" id="f-2225">6,201,099</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="slm:DebtInstrumentFaceAmountMaturityToCallDate" format="ixt:num-dot-decimal" scale="3" id="f-2226">995,420</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-322" decimals="-3" name="slm:DebtInstrumentFaceAmountMaturityToCallDate" format="ixt:num-dot-decimal" scale="3" id="f-2227">5,464,567</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:DebtInstrumentFaceAmountMaturityToCallDate" format="ixt:num-dot-decimal" scale="3" id="f-2228">12,661,086</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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%">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="c-321" decimals="-3" sign="-" name="slm:HedgeAccountingAdjustment" scale="3" id="f-2229">241</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="slm:HedgeAccountingAdjustment" format="ixt:fixed-zero" scale="3" id="f-2230">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-322" decimals="-3" name="slm:HedgeAccountingAdjustment" format="ixt:fixed-zero" scale="3" id="f-2231">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" sign="-" name="slm:HedgeAccountingAdjustment" scale="3" id="f-2232">241</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%">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="c-321" decimals="-3" name="slm:DebtInstrumentFaceAmountAfterAdjustments" format="ixt:num-dot-decimal" scale="3" id="f-2233">6,200,858</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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-3" name="slm:DebtInstrumentFaceAmountAfterAdjustments" format="ixt:num-dot-decimal" scale="3" id="f-2234">995,420</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-322" decimals="-3" name="slm:DebtInstrumentFaceAmountAfterAdjustments" format="ixt:num-dot-decimal" scale="3" id="f-2235">5,464,567</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:DebtInstrumentFaceAmountAfterAdjustments" format="ixt:num-dot-decimal" scale="3" id="f-2236">12,660,845</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 colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:9pt;padding-left:126pt;padding-right:108pt;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 secured borrowings as long-term based on the contractual maturity dates ranging from 2032 to 2056. However, the actual maturity of our secured borrowings depends on the prepayment speeds of the underlying collateralized loans. To disclose how we expect this debt to pay down over time, the maturities for our secured borrowings are based on the projected bond principal paydowns using the current estimated loan prepayment speeds.</span></div></ix:continuation><div style="margin-top:9pt;padding-left:18pt;text-indent:-4.5pt"><span><br/></span></div><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Unsecured Financing Transactions</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:112%">On October 29, 2020, we issued $<ix:nonFraction unitRef="usd" contextRef="c-323" decimals="INF" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="6" id="f-2237">500</ix:nonFraction>&#160;million of <ix:nonFraction unitRef="number" contextRef="c-323" decimals="INF" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" format="ixt:num-dot-decimal" scale="-2" id="f-2238">4.20</ix:nonFraction> percent unsecured Senior Notes due October 29, 2025. At December 31, 2024, the outstanding balance was $<ix:nonFraction unitRef="usd" contextRef="c-324" decimals="INF" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="6" id="f-2239">499</ix:nonFraction>&#160;million. This unsecured borrowing remained classified as long-term as of December 31, 2024 in accordance with our ability and intent to refinance the debt on a long-term basis. On February 18, 2025, we redeemed these Senior Notes with proceeds from $<ix:nonFraction unitRef="usd" contextRef="c-325" decimals="-6" name="us-gaap:DebtInstrumentFaceAmount" scale="6" id="f-2240">500</ix:nonFraction> million of <ix:nonFraction unitRef="number" contextRef="c-325" decimals="5" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" format="ixt:num-dot-decimal" scale="-2" id="f-2241">6.50</ix:nonFraction> percent unsecured Senior Notes issued on January 31, 2025 and due January 31, 2030. See Note 23, &#8220;Subsequent Events&#8221; in this Form 10-K for additional information.</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 $<ix:nonFraction unitRef="usd" contextRef="c-326" decimals="INF" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="6" id="f-2242">500</ix:nonFraction>&#160;million of  <ix:nonFraction unitRef="number" contextRef="c-326" decimals="INF" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" format="ixt:num-dot-decimal" scale="-2" id="f-2243">3.125</ix:nonFraction> percent unsecured Senior Notes due November 2, 2026, at a price of <ix:nonFraction unitRef="number" contextRef="c-327" decimals="4" name="slm:DebtInstrumentIssuancePricePercentage" format="ixt:num-dot-decimal" scale="-2" id="f-2244">99.43</ix:nonFraction> percent. At December 31, 2024, the outstanding balance was $<ix:nonFraction unitRef="usd" contextRef="c-328" decimals="INF" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="6" id="f-2245">496</ix:nonFraction>&#160;million.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">52    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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="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:3.127%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.673%"/><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: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%">Borrowings (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><ix:continuation id="f-2122-3" continuedAt="f-2122-4"><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfSecuritiesFinancingTransactionsTextBlock" id="f-2246" continuedAt="f-2246-1" 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 Financing Transactions</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 summarizes our term funding collateralized by pools of Private Education Loans in the long-term ABS market issued in 2023 and 2024 in which we retained 100 percent of the residual class certificates. </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%">               </span><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:19.072%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.520%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.191%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.520%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.706%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.520%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.706%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.376%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.706%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.520%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.317%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.520%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.426%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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%">SMB Private Education Loan Trust</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 Closed</span></td><td colspan="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%">Loans Transferred to the Trust</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%">Notes<br/>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%">Gross<br/>Proceeds</span></td><td colspan="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">(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%">Weighted Average Life of Class A and Class B Notes<br/>(in years)</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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"/></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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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"/></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"/></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:#dbdbdb;padding:2px 1pt;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-A ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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%">March 15, 2023</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-329" decimals="-3" name="slm:DebtInstrumentLoansTransferred" format="ixt:num-dot-decimal" scale="3" id="f-2247">644,573</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-329" decimals="-3" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="f-2248">579,000</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-330" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfDebt" format="ixt:num-dot-decimal" scale="3" id="f-2249">571,910</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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%">SOFR plus <ix:nonFraction unitRef="number" contextRef="c-329" decimals="4" name="us-gaap:DerivativeBasisSpreadOnVariableRate" scale="-2" id="f-2250">1.53</ix:nonFraction>%</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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="c-331" name="slm:DebtInstrumentWeightedAverageLife" format="ixt-sec:duryear" id="f-2251">5.06</ix:nonNumeric></span></td><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%">2023-C ABS Transaction</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 16, 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-332" decimals="-3" name="slm:DebtInstrumentLoansTransferred" format="ixt:num-dot-decimal" scale="3" id="f-2252">647,934</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-332" decimals="-3" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="f-2253">568,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-333" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfDebt" format="ixt:num-dot-decimal" scale="3" id="f-2254">567,881</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">SOFR plus <ix:nonFraction unitRef="number" contextRef="c-332" decimals="4" name="us-gaap:DerivativeBasisSpreadOnVariableRate" scale="-2" id="f-2255">1.69</ix:nonFraction>%</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%"><ix:nonNumeric contextRef="c-334" name="slm:DebtInstrumentWeightedAverageLife" format="ixt-sec:duryear" id="f-2256">4.93</ix:nonNumeric></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#dbdbdb;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 2023</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:DebtInstrumentLoansTransferred" format="ixt:num-dot-decimal" scale="3" id="f-2257">1,292,507</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="f-2258">1,147,000</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfDebt" format="ixt:num-dot-decimal" scale="3" id="f-2259">1,139,791</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></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;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"/><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"/></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;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-C ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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 15, 2024</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-335" decimals="-3" name="slm:DebtInstrumentLoansTransferred" format="ixt:num-dot-decimal" scale="3" id="f-2260">733,644</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-335" decimals="-3" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="f-2261">668,000</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-336" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfDebt" format="ixt:num-dot-decimal" scale="3" id="f-2262">667,888</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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%">SOFR plus <ix:nonFraction unitRef="number" contextRef="c-335" decimals="4" name="us-gaap:DerivativeBasisSpreadOnVariableRate" scale="-2" id="f-2263">1.19</ix:nonFraction>%</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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="c-337" name="slm:DebtInstrumentWeightedAverageLife" format="ixt-sec:duryear" id="f-2264">5.36</ix:nonNumeric></span></td><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%">2024-E ABS Transaction</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 14, 2024</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-338" decimals="-3" name="slm:DebtInstrumentLoansTransferred" format="ixt:num-dot-decimal" scale="3" id="f-2265">944,645</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-338" decimals="-3" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="f-2266">868,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-339" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfDebt" format="ixt:num-dot-decimal" scale="3" id="f-2267">867,743</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">SOFR plus <ix:nonFraction unitRef="number" contextRef="c-338" decimals="4" name="us-gaap:DerivativeBasisSpreadOnVariableRate" scale="-2" id="f-2268">1.42</ix:nonFraction>%</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%"><ix:nonNumeric contextRef="c-340" name="slm:DebtInstrumentWeightedAverageLife" format="ixt-sec:duryear" id="f-2269">5.17</ix:nonNumeric></span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;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-F ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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 6, 2024</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-341" decimals="-3" name="slm:DebtInstrumentLoansTransferred" format="ixt:num-dot-decimal" scale="3" id="f-2270">732,445</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-341" decimals="-3" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="f-2271">680,000</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-342" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfDebt" format="ixt:num-dot-decimal" scale="3" id="f-2272">679,981</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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%">SOFR plus <ix:nonFraction unitRef="number" contextRef="c-341" decimals="4" name="us-gaap:DerivativeBasisSpreadOnVariableRate" scale="-2" id="f-2273">1.08</ix:nonFraction>%</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;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="c-343" name="slm:DebtInstrumentWeightedAverageLife" format="ixt-sec:duryear" id="f-2274">5.09</ix:nonNumeric></span></td><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%">Total 2024</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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:DebtInstrumentLoansTransferred" format="ixt:num-dot-decimal" scale="3" id="f-2275">2,410,734</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DebtInstrumentFaceAmount" format="ixt:num-dot-decimal" scale="3" id="f-2276">2,216,000</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:ProceedsFromIssuanceOfDebt" format="ixt:num-dot-decimal" scale="3" id="f-2277">2,215,612</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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><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"/></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="padding-left:56.25pt;padding-right:54pt;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 transfer of such loans did not qualify for sale treatment and thus remain on our consolidated balance sheet.  At December 31, 2024, the following Private Education Loan amounts remain encumbered related to these transactions:</span></div><div style="margin-top:9pt;padding-left:20.25pt;padding-right:54pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">                           </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 style="width:41.725%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.921%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.837%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.921%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.837%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.921%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.838%"/><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%">SMB Private Education Loan Trust</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Principal</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capitalized <br/>Interest</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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</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:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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:#dbdbdb;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%">2023-A ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-344" decimals="-3" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2278">484,551</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-344" decimals="-3" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="3" id="f-2279">32,856</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-344" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="f-2280">517,407</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 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%">2023-C ABS Transaction</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-345" decimals="-3" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2281">516,507</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-345" decimals="-3" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="3" id="f-2282">35,287</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-345" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="f-2283">551,794</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#dbdbdb;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 2023</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2284">1,001,058</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="3" id="f-2285">68,143</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="f-2286">1,069,201</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024-C ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-346" decimals="-3" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2287">646,550</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-346" decimals="-3" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="3" id="f-2288">52,968</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-346" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="f-2289">699,518</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 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%">2024-E ABS Transaction</span></td><td colspan="3" 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:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-347" decimals="-3" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2290">841,355</ix:nonFraction>&#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:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-347" decimals="-3" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="3" id="f-2291">69,238</ix:nonFraction>&#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:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-347" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="f-2292">910,593</ix:nonFraction>&#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:#dbdbdb;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%">2024-F ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-348" decimals="-3" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2293">662,361</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-348" decimals="-3" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="3" id="f-2294">55,131</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-348" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="f-2295">717,492</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;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:9pt;font-weight:400;line-height:100%">Total 2024</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:LoansPledgedAsCollateralPrincipalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2296">2,150,266</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:LoansPledgedAsCollateralCapitalizedInterest" format="ixt:num-dot-decimal" scale="3" id="f-2297">177,337</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:NotesReceivableGross" format="ixt:num-dot-decimal" scale="3" id="f-2298">2,327,603</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"/></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: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">Represents SOFR equivalent cost of funds for variable and fixed-rate bonds, excluding issuance costs.</span></div></ix:nonNumeric><div style="margin-top:9pt;padding-left:20.25pt;padding-right:54pt"><span><br/></span></div><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Pre-2023 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 2023, we executed a total of $<ix:nonFraction unitRef="usd" contextRef="c-349" decimals="-7" name="us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" scale="9" id="f-2299">10.38</ix:nonFraction> billion in ABS transactions that were accounted for as secured financings. At December 31, 2024, $<ix:nonFraction unitRef="usd" contextRef="c-350" decimals="-7" name="us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" scale="9" id="f-2300">3.74</ix:nonFraction> billion of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="c-350" decimals="-7" name="slm:LoansPledgedAsCollateralPrincipalAmount" scale="9" id="f-2301">3.63</ix:nonFraction> billion of principal and $<ix:nonFraction unitRef="usd" contextRef="c-350" decimals="-6" name="slm:LoansPledgedAsCollateralCapitalizedInterest" scale="6" id="f-2302">107</ix:nonFraction> million in capitalized interest, were encumbered as a result of these transactions.  </span></div></ix:continuation><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><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:3.127%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.673%"/><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: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%">Borrowings (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><ix:continuation id="f-2122-4" continuedAt="f-2122-5"><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><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfVariableInterestEntitiesTextBlock" id="f-2303" continuedAt="f-2303-1" escape="true"><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></ix:nonNumeric></div><div><span><br/></span></div><ix:continuation id="f-2303-1" continuedAt="f-2303-2"><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, 2024<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 Net 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, Net</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%"><ix:nonFraction unitRef="usd" contextRef="c-351" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2304">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-351" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2305">5,444,925</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-351" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2306">5,444,925</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-351" decimals="-3" name="slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans" format="ixt:num-dot-decimal" scale="3" id="f-2307">6,786,390</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-351" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="f-2308">173,892</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-351" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="f-2309">418,705</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-351" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="f-2310">7,378,987</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-352" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2311">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-352" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:fixed-zero" scale="3" id="f-2312">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-352" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:fixed-zero" scale="3" id="f-2313">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-352" decimals="-3" name="slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans" format="ixt:fixed-zero" scale="3" id="f-2314">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-352" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:fixed-zero" scale="3" id="f-2315">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-352" decimals="-3" name="us-gaap:OtherAssets" scale="3" id="f-2316">98</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-352" decimals="-3" name="us-gaap:Assets" scale="3" id="f-2317">98</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-353" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2318">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-353" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2319">5,444,925</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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-353" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2320">5,444,925</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-353" decimals="-3" name="slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans" format="ixt:num-dot-decimal" scale="3" id="f-2321">6,786,390</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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-353" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="f-2322">173,892</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-353" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="f-2323">418,803</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-353" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="f-2324">7,379,085</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"/></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, 2023<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 Net 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, Net</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%"><ix:nonFraction unitRef="usd" contextRef="c-354" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2325">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-354" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2326">4,235,312</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-354" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2327">4,235,312</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-354" decimals="-3" name="slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans" format="ixt:num-dot-decimal" scale="3" id="f-2328">5,539,964</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-354" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="f-2329">149,412</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-354" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="f-2330">303,653</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-354" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="f-2331">5,993,029</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-355" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2332">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-355" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:fixed-zero" scale="3" id="f-2333">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-355" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:fixed-zero" scale="3" id="f-2334">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-355" decimals="-3" name="slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans" format="ixt:fixed-zero" scale="3" id="f-2335">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-355" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:fixed-zero" scale="3" id="f-2336">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-355" decimals="-3" name="us-gaap:OtherAssets" scale="3" id="f-2337">100</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-355" decimals="-3" name="us-gaap:Assets" scale="3" id="f-2338">100</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-356" decimals="-3" name="us-gaap:ShortTermBorrowings" format="ixt:fixed-zero" scale="3" id="f-2339">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-356" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-2340">4,235,312</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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-356" decimals="-3" name="us-gaap:DebtLongtermAndShorttermCombinedAmount" format="ixt:num-dot-decimal" scale="3" id="f-2341">4,235,312</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-356" decimals="-3" name="slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans" format="ixt:num-dot-decimal" scale="3" id="f-2342">5,539,964</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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-356" decimals="-3" name="us-gaap:RestrictedCashAndInvestments" format="ixt:num-dot-decimal" scale="3" id="f-2343">149,412</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-356" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="f-2344">303,753</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-356" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="f-2345">5,993,129</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"/></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, net primarily represents accrued interest receivable and payable.</span></div></ix:continuation></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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">54    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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="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:3.127%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.673%"/><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: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%">Borrowings (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><div><span><br/></span></div><ix:continuation id="f-2122-5" continuedAt="f-2122-6"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Unconsolidated Funding Vehicles</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. 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="c-1" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="f-2346">five</ix:nonFraction> percent of the securities issued by the trusts to meet risk retention requirements. We were not required to consolidate these entities because the fees we receive as the servicer/administrator are commensurate with our responsibility, so the fees are not considered a variable interest. Additionally, the <ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="slm:VerticalRiskRetentionPercentage" format="ixt-sec:numwordsen" scale="-2" id="f-2347">five</ix:nonFraction> percent vertical interest we maintain does not absorb more than an insignificant amount of the VIE&#8217;s expected losses, nor do we receive more than an insignificant amount of the VIE&#8217;s expected residual returns. We classified those vertical risk retention interests related to the securitization transactions listed below as available-for-sale investments, except for the interest in the residual class, which we classified as trading investments recorded at fair value with changes recorded through earnings.<ix:continuation id="f-2246-1" continuedAt="f-2246-2"> The following summarizes our Private Education Loan ABS transactions closed in 2023 and 2024 where the respective VIEs were not consolidated.</ix:continuation></span></div><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="f-2246-2"><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"/><td style="width:25.186%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.841%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.251%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.536%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.112%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.474%"/><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%">SMB Private Education Loan Trust</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%">Date Closed</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%">Loans Transferred to the Trust by Third-Party Seller</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%">Date Third-Party Seller Previously Purchased Loans from the Bank</span></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%">Additional Loans the Bank Transferred to the Trust</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:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gain on Sale for Additional Loans Transferred by Bank</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:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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:#dbdbdb;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%">2023-B ABS transaction</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:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">May 24, 2023</span></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-357" decimals="-3" name="us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2348">1,988,277</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#dbdbdb;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%">May 3, 2023</span></td><td style="background-color:#dbdbdb;padding:2px 0 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%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-357" decimals="-3" name="slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" format="ixt:num-dot-decimal" scale="3" id="f-2349">104,743</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-357" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedGain" format="ixt:num-dot-decimal" scale="3" id="f-2350">5,391</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2023-D ABS transaction</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:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">November 7, 2023</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-358" decimals="-3" name="us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2351">995,184</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;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%">October 13, 2023</span></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:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-358" decimals="-3" name="slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" format="ixt:num-dot-decimal" scale="3" id="f-2352">52,572</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-358" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedGain" format="ixt:num-dot-decimal" scale="3" id="f-2353">1,570</ix:nonFraction>&#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:#dbdbdb;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%">2024-A ABS transaction</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:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">March 13, 2024</span></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-359" decimals="-3" name="us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2354">1,988,248</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#dbdbdb;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 1, 2024</span></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-359" decimals="-3" name="slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" format="ixt:num-dot-decimal" scale="3" id="f-2355">104,748</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-359" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedGain" format="ixt:num-dot-decimal" scale="3" id="f-2356">6,685</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024-R1 ABS transaction</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:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">April 9, 2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-360" decimals="-3" name="us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2357">68,896</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;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%">n/a</span></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:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-360" decimals="-3" name="slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" format="ixt:fixed-zero" scale="3" id="f-2358">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-360" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedGain" format="ixt:fixed-zero" scale="3" id="f-2359">&#8212;</ix:nonFraction>&#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:#dbdbdb;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%">2024-B ABS transaction</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:#dbdbdb;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%">April 11, 2024</span></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-3" name="us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2360">191,445</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#dbdbdb;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%">March&#160;6, 2020 and</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">November&#160;17, 2021</span></div></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-3" name="slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" format="ixt:num-dot-decimal" scale="3" id="f-2361">10,132</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedGain" scale="3" id="f-2362">35</ix:nonFraction>&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024-D ABS transaction</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:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">June 28, 2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-362" decimals="-3" name="us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2363">1,494,953</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">May 23, 2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-362" decimals="-3" name="slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" format="ixt:num-dot-decimal" scale="3" id="f-2364">78,782</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-362" decimals="-3" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedGain" format="ixt:num-dot-decimal" scale="3" id="f-2365">6,051</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></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: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 transfer of such additional loans qualified for sale treatment and removed these loans from our balance sheet on the settlement date of the transaction.</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: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">Sallie Mae Bank sponsored the transaction and is the servicer and administrator.</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: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">An unaffiliated third party sold to the Trust approximately $<ix:nonFraction unitRef="usd" contextRef="c-360" decimals="-6" name="us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" scale="6" id="f-2366">69</ix:nonFraction> million of Private Education Loan residual flows from our 2020-PTA and 2020-PTB transactions through a re-securitization. Sallie Mae Bank sponsored the 2024-R1 transaction and is the administrator of the Trust.</span></div></ix:continuation><div style="margin-top:5pt;padding-left:20.25pt;padding-right:54pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="f-2303-2" continuedAt="f-2303-3"><div style="margin-bottom:6pt;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%">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%">2024</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%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-363" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-2367">571,795</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-363" decimals="-3" name="us-gaap:TradingSecurities" format="ixt:num-dot-decimal" scale="3" id="f-2368">53,262</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-363" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-2369">625,057</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-364" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-2370">423,327</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-364" decimals="-3" name="us-gaap:TradingSecurities" format="ixt:num-dot-decimal" scale="3" id="f-2371">54,481</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-364" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-2372">477,808</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"/></tr></table></div><div style="margin-top:6pt;padding-left:72pt"><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%"> Vertical risk retention interest classified as available-for-sale investment.</span></div></ix:continuation><div style="padding-left:72pt"><ix:continuation id="f-2303-3" continuedAt="f-2303-4"><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></ix:continuation><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"><ix:continuation id="f-2303-4"> Vertical risk retention interest classified as trading investment.</ix:continuation> </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 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="c-8" decimals="-6" name="slm:UncommittedFederalFunds" scale="6" id="f-2373">125</ix:nonFraction> million at December 31, 2023. 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, 2024 and 2023.</span></div></ix:continuation><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><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:3.127%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.673%"/><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: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%">Borrowings (Continued)</span></td></tr></table></div><div><span><br/></span></div></div><ix:continuation id="f-2122-6"><div style="margin-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 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, 2024 and December 31, 2023, the value of our pledged collateral at the FRB totaled $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-8" name="slm:Lendablevalueofcollateral" scale="9" id="f-2374">2.2</ix:nonFraction> billion and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-8" name="slm:Lendablevalueofcollateral" scale="9" id="f-2375">1.6</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, 2024 and 2023.</span></div></ix:continuation><div style="margin-top:5pt;text-indent:24.75pt"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_154"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">11.    <ix:nonNumeric contextRef="c-1" name="us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" id="f-2376" continuedAt="f-2376-1" escape="true">Derivative Financial Instruments</ix:nonNumeric></span></div><ix:continuation id="f-2376-1" continuedAt="f-2376-2"><div style="margin-top:9pt;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: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 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="counterparty" contextRef="c-7" decimals="INF" name="slm:NumberOfCounterparties" format="ixt-sec:numwordsen" scale="0" id="f-2377">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, 2024, $<ix:nonFraction unitRef="usd" contextRef="c-70" decimals="-6" name="us-gaap:DerivativeNotionalAmount" scale="6" id="f-2378">850</ix:nonFraction> million notional of our derivative contracts were cleared on the CME and $<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="us-gaap:DerivativeNotionalAmount" scale="6" id="f-2379">71</ix:nonFraction> million were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent <ix:nonFraction unitRef="number" contextRef="c-72" decimals="3" name="slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" format="ixt:num-dot-decimal" scale="-2" id="f-2380">92.3</ix:nonFraction> percent&#160;and <ix:nonFraction unitRef="number" contextRef="c-73" decimals="3" name="slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" format="ixt:num-dot-decimal" scale="-2" id="f-2381">7.7</ix:nonFraction> percent, respectively, of our total notional derivative contracts of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DerivativeNotionalAmount" scale="6" id="f-2382">921</ix:nonFraction> million at December 31, 2024.</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, 2024 was $(<ix:nonFraction unitRef="usd" contextRef="c-72" decimals="-6" sign="-" name="slm:AmountOfVariationMarginIncludedAsSettlement" scale="6" id="f-2383">22</ix:nonFraction>) million and $(<ix:nonFraction unitRef="usd" contextRef="c-73" decimals="-6" sign="-" name="slm:AmountOfVariationMarginIncludedAsSettlement" scale="6" id="f-2384">1</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 to the counterparty 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, 2024 and 2023, we had a net positive exposure (derivative gain/loss positions to us, less collateral held by us and plus collateral posted with counterparties) related to derivatives of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DerivativeFairValueAmountOffsetAgainstCollateralNet" scale="6" id="f-2385">5</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DerivativeFairValueAmountOffsetAgainstCollateralNet" scale="6" id="f-2386">9</ix:nonFraction>&#160;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 either fair value hedges or cash flow hedges. </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">56    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.972%"><tr><td style="width:1.0%"/><td style="width:3.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:93.979%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><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: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%">Derivative Financial Instruments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-2376-2" continuedAt="f-2376-3"><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: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="c-1" name="us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" id="f-2387" continuedAt="f-2387-1" 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, 2024 and 2023, and their impact on earnings and other comprehensive income for the years ended December&#160;31, 2024, 2023, and 2022. </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:700;line-height:120%">    Impact of Derivatives on the Consolidated Balance Sheets</span></div><div style="text-align:center"><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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-365" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2388">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-366" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2389">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-367" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2390">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-368" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2391">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-369" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2392">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-370" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2393">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-371" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2394">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-372" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2395">&#8212;</ix:nonFraction>&#160;</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"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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><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:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#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 colspan="2" style="background-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="c-365" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2396">19</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-366" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2397">339</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-367" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2398">21</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-368" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2399">31</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-369" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="f-2400">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-370" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="f-2401">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-371" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2402">40</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-372" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2403">370</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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:8.5pt;font-weight:700;line-height:100%">Total net derivatives</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 style="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:8.5pt;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:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-373" decimals="-3" sign="-" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" scale="3" id="f-2404">19</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 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:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-374" decimals="-3" sign="-" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" scale="3" id="f-2405">339</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-375" decimals="-3" sign="-" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" scale="3" id="f-2406">21</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 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:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-376" decimals="-3" sign="-" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" scale="3" id="f-2407">31</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-377" decimals="-3" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" format="ixt:fixed-zero" scale="3" id="f-2408">&#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 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:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-378" decimals="-3" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" format="ixt:fixed-zero" scale="3" id="f-2409">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" sign="-" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" scale="3" id="f-2410">40</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 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:8.5pt;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:8.5pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" sign="-" name="us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet" scale="3" id="f-2411">370</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"/></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><ix:nonNumeric contextRef="c-1" name="us-gaap:OffsettingLiabilitiesTableTextBlock" id="f-2413" continuedAt="f-2413-1" escape="true"><ix:nonNumeric contextRef="c-1" name="us-gaap:OffsettingAssetsTableTextBlock" id="f-2412" continuedAt="f-2412-1" escape="true"><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></ix:nonNumeric></ix:nonNumeric></div><div><span><br/></span></div><ix:continuation id="f-2413-1" continuedAt="f-2413-2"><ix:continuation id="f-2412-1" continuedAt="f-2412-2"><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%">2024</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%">2023</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%">2024</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%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeAsset" format="ixt:fixed-zero" scale="3" id="f-2414">&#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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeAsset" format="ixt:fixed-zero" scale="3" id="f-2415">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="3" id="f-2416">40</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="3" id="f-2417">370</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"/></tr><tr><td colspan="3" 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DerivativeAssetFairValueGrossLiability" format="ixt:fixed-zero" scale="3" id="f-2418">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-8" decimals="-3" name="us-gaap:DerivativeAssetFairValueGrossLiability" format="ixt:fixed-zero" scale="3" id="f-2419">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-7" decimals="-3" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" format="ixt:fixed-zero" scale="3" id="f-2420">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-8" decimals="-3" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" format="ixt:fixed-zero" scale="3" id="f-2421">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2422">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2423">&#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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2424">40</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2425">370</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"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset" format="ixt:num-dot-decimal" scale="3" id="f-2426">4,879</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-8" decimals="-3" name="slm:DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset" format="ixt:num-dot-decimal" scale="3" id="f-2427">9,228</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-7" decimals="-3" name="us-gaap:DerivativeCollateralRightToReclaimCash" format="ixt:fixed-zero" scale="3" id="f-2428">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-8" decimals="-3" name="us-gaap:DerivativeCollateralRightToReclaimCash" format="ixt:fixed-zero" scale="3" id="f-2429">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" format="ixt:num-dot-decimal" scale="3" id="f-2430">4,879</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 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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" format="ixt:num-dot-decimal" scale="3" id="f-2431">9,228</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" scale="3" id="f-2432">40</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" scale="3" id="f-2433">370</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"/></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></ix:continuation></ix:continuation></ix:nonNumeric><div style="padding-left:49.5pt;text-indent:-9pt"><ix:continuation id="f-2413-2" continuedAt="f-2413-3"><ix:continuation id="f-2412-2" continuedAt="f-2412-3"><ix:continuation id="f-2387-1" continuedAt="f-2387-2"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></ix:continuation></ix:continuation></ix:continuation><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:0.45pt"><ix:continuation id="f-2413-3"><ix:continuation id="f-2412-3"><ix:continuation id="f-2387-2">   Cash collateral pledged excludes amounts that represent legal settlement of the derivative contracts.</ix:continuation></ix:continuation></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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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:95.972%"><tr><td style="width:1.0%"/><td style="width:3.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:93.979%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><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: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%">Derivative Financial Instruments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-2376-3" continuedAt="f-2376-4"><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock" id="f-2434" escape="true"><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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-365" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2435">639,097</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-366" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2436">1,203,783</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-367" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2437">281,520</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-368" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2438">702,309</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-369" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:fixed-zero" scale="3" id="f-2439">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-370" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:fixed-zero" scale="3" id="f-2440">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="c-371" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2441">920,617</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-372" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2442">1,906,092</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net total notional</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-373" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2443">639,097</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 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-374" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2444">1,203,783</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-375" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2445">281,520</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 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-376" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2446">702,309</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-377" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:fixed-zero" scale="3" id="f-2447">&#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 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-378" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:fixed-zero" scale="3" id="f-2448">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2449">920,617</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 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:8pt;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:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="3" id="f-2450">1,906,092</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"/></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></ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" id="f-2451" 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, 2024 and 2023, 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%">2024</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%">2023</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%">2024</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%">2023</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%">(<ix:nonFraction unitRef="usd" contextRef="c-379" decimals="-3" name="us-gaap:HedgedLiabilityFairValueHedge" format="ixt:num-dot-decimal" scale="3" id="f-2452">279,908</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-380" decimals="-3" name="us-gaap:HedgedLiabilityFairValueHedge" format="ixt:num-dot-decimal" scale="3" id="f-2453">689,137</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-379" decimals="-3" name="us-gaap:HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" format="ixt:num-dot-decimal" scale="3" id="f-2454">1,420</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-380" decimals="-3" name="us-gaap:HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" format="ixt:num-dot-decimal" scale="3" id="f-2455">12,910</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><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%">  <ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" id="f-2456" continuedAt="f-2456-1" escape="true">Impact of Derivatives on the Consolidated Statements of Income</ix:nonNumeric></span></div><ix:continuation id="f-2456-1"><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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%">(<ix:nonFraction unitRef="usd" contextRef="c-381" decimals="-3" sign="-" name="us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings" format="ixt:num-dot-decimal" scale="3" id="f-2457">15,278</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-382" decimals="-3" sign="-" name="us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings" format="ixt:num-dot-decimal" scale="3" id="f-2458">26,054</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-383" decimals="-3" name="us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings" format="ixt:num-dot-decimal" scale="3" id="f-2459">16,308</ix:nonFraction>&#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%">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%">(<ix:nonFraction unitRef="usd" contextRef="c-381" decimals="-3" sign="-" name="us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" format="ixt:num-dot-decimal" scale="3" id="f-2460">11,490</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-382" decimals="-3" sign="-" name="us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" format="ixt:num-dot-decimal" scale="3" id="f-2461">18,350</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-383" decimals="-3" name="us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" format="ixt:num-dot-decimal" scale="3" id="f-2462">82,043</ix:nonFraction>&#160;</span></td><td style="background-color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-381" decimals="-3" name="us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" format="ixt:num-dot-decimal" scale="3" id="f-2463">11,554</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-382" decimals="-3" name="us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" format="ixt:num-dot-decimal" scale="3" id="f-2464">18,487</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-383" decimals="-3" sign="-" name="us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" format="ixt:num-dot-decimal" scale="3" id="f-2465">82,063</ix:nonFraction>)</span></td><td style="background-color:#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-381" decimals="-3" sign="-" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="f-2466">15,214</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-382" decimals="-3" sign="-" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="f-2467">25,917</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-383" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="f-2468">16,288</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"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-384" decimals="-3" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-2469">41,221</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-385" decimals="-3" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-2470">47,810</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-386" decimals="-3" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-2471">3,658</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-384" decimals="-3" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-2472">41,221</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-385" decimals="-3" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-2473">47,810</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-386" decimals="-3" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-2474">3,658</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"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-387" decimals="-3" name="slm:DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" format="ixt:fixed-zero" scale="3" id="f-2475">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-388" decimals="-3" name="slm:DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" format="ixt:fixed-zero" scale="3" id="f-2476">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-389" decimals="-3" sign="-" name="slm:DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" scale="3" id="f-2477">248</ix:nonFraction>)</span></td><td style="background-color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-387" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:fixed-zero" scale="3" id="f-2478">&#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 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%"><ix:nonFraction unitRef="usd" contextRef="c-388" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:fixed-zero" scale="3" id="f-2479">&#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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-389" decimals="-3" sign="-" name="us-gaap:DerivativeGainLossOnDerivativeNet" scale="3" id="f-2480">248</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"/></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%"><span style="-sec-ix-hidden:f-2481"><span style="-sec-ix-hidden:f-2482"><span style="-sec-ix-hidden:f-2483">Total</span></span></span></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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="f-2484">26,007</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="f-2485">21,893</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:DerivativeGainLossOnDerivativeNet" format="ixt:num-dot-decimal" scale="3" id="f-2486">19,698</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"/></tr></table></div></ix:continuation></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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">58    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.972%"><tr><td style="width:1.0%"/><td style="width:3.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:93.979%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.525%"/><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: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%">Derivative Financial Instruments (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-2376-4"><div style="margin-top:6pt;padding-left:36pt"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">  <ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" id="f-2487" continuedAt="f-2487-1" escape="true">Impact of Derivatives on the Statements of Changes in Stockholders&#8217; Equity</ix:nonNumeric></span></div><ix:continuation id="f-2487-1"><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" format="ixt:num-dot-decimal" scale="3" id="f-2488">10,827</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" format="ixt:num-dot-decimal" scale="3" id="f-2489">13,353</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" format="ixt:num-dot-decimal" scale="3" id="f-2490">97,389</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-2491">41,221</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-2492">47,810</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" format="ixt:num-dot-decimal" scale="3" id="f-2493">3,658</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="slm:ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-2494">30,394</ix:nonFraction>)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" sign="-" name="slm:ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-2495">34,457</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="slm:ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-2496">93,731</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"/></tr></table></div></ix:continuation><div style="margin-top:12pt;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 $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" scale="6" id="f-2497">21</ix:nonFraction> million will be reclassified as a decrease to interest expense. </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%">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, 2024, cash collateral held and pledged excludes amounts that represent legal settlement of the derivative contracts held with the CME and LCH. There was <ix:nonFraction unitRef="usd" contextRef="c-7" decimals="INF" name="slm:DerivativeCashCollateralHeldRelativetoDerivativeExposureNet" format="ixt:fixed-zero" scale="6" id="f-2498"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="INF" name="slm:DerivativeCashCollateralHeldRelativetoDerivativeExposureNet" format="ixt:fixed-zero" scale="6" id="f-2499">no</ix:nonFraction></ix:nonFraction> cash collateral held by us related to derivative exposure between us and our derivatives counterparties at December 31, 2024 and 2023, respectively. Collateral held is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheets. Cash collateral pledged by us related to derivative exposure between us and our derivatives counterparties was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DerivativeAssetCollateralObligationToReturnCashOffset" scale="6" id="f-2500">5</ix:nonFraction> million&#160;and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DerivativeAssetCollateralObligationToReturnCashOffset" scale="6" id="f-2501">9</ix:nonFraction> million at December 31, 2024 and 2023, respectively. Collateral pledged is recorded in &#8220;Other interest-earning assets&#8221; on the consolidated balance sheets.</span></div></ix:continuation><div id="idb53689b710946c1b3ee3e39899ac732_157"></div><div style="margin-top:14pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">    12.   <ix:nonNumeric contextRef="c-1" name="us-gaap:StockholdersEquityNoteDisclosureTextBlock" id="f-2502" continuedAt="f-2502-1" escape="true">Stockholders&#8217; Equity</ix:nonNumeric></span></div><ix:continuation id="f-2502-1" continuedAt="f-2502-2"><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: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&#160;31, 2024, we had <ix:nonFraction unitRef="shares" contextRef="c-390" decimals="-5" name="us-gaap:PreferredStockSharesOutstanding" scale="6" id="f-2503">2.5</ix:nonFraction> million&#160;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 were entitled to receive quarterly dividends based on 3-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="c-391" decimals="4" name="us-gaap:PreferredStockDividendRatePercentage" scale="-4" id="f-2504">170</ix:nonFraction> basis points per annum in arrears, until the transition to SOFR in the third quarter of 2023. The first dividends on our Series B Preferred Stock that were based on a SOFR rate were declared dividends paid on December 15, 2023, which were based on the adjusted 3-month CME Term SOFR plus <ix:nonFraction unitRef="number" contextRef="c-392" decimals="4" name="us-gaap:PreferredStockDividendRatePercentage" scale="-4" id="f-2505">170</ix:nonFraction> basis points per annum in arrears, where the adjusted 3-month CME Term SOFR includes the LIBOR Benchmark Replacement Adjustment of <ix:nonFraction unitRef="number" contextRef="c-393" decimals="7" name="us-gaap:PreferredStockDividendRatePercentage" scale="-4" id="f-2506">26.161</ix:nonFraction> basis points. Upon liquidation or dissolution of the Company, holders of the Series B Preferred Stock are entitled to receive $<ix:nonFraction unitRef="usdPerShare" contextRef="c-390" decimals="0" name="us-gaap:PreferredStockLiquidationPreference" scale="0" id="f-2507">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: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%">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="c-394" decimals="-6" name="us-gaap:CommonStockSharesAuthorized" scale="9" id="f-2508">1.125</ix:nonFraction> billion shares of common stock (par value of $0<ix:nonFraction unitRef="usdPerShare" contextRef="c-394" decimals="2" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="f-2509">.20</ix:nonFraction>). At December&#160;31, 2024, <ix:nonFraction unitRef="shares" contextRef="c-394" decimals="-6" name="us-gaap:CommonStockSharesIssued" scale="6" id="f-2510"><ix:nonFraction unitRef="shares" contextRef="c-394" decimals="-6" name="us-gaap:CommonStockSharesOutstanding" scale="6" id="f-2511">210</ix:nonFraction></ix:nonFraction> million shares were issued and outstanding and <ix:nonFraction unitRef="shares" contextRef="c-394" decimals="-6" name="slm:CommonSharesUnissuedButEncumbered" scale="6" id="f-2512">33</ix:nonFraction> 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: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%">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, 2024, we paid a total common stock dividend of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" name="us-gaap:CommonStockDividendsPerShareCashPaid" scale="0" id="f-2513">0.46</ix:nonFraction> per common share. In both the years ended December 31, 2023 and 2022, we paid a total common stock dividend of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:CommonStockDividendsPerShareCashPaid" scale="0" id="f-2514"><ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="us-gaap:CommonStockDividendsPerShareCashPaid" scale="0" id="f-2515">0.44</ix:nonFraction></ix:nonFraction> per common share. 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 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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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:95.000%"><tr><td style="width:1.0%"/><td style="width:2.847%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.221%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><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: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%">Stockholders&#8217; Equity (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-2502-2" continuedAt="f-2502-3"><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%">In January 2020, we announced a share repurchase program of up to $<ix:nonFraction unitRef="usd" contextRef="c-395" decimals="-6" name="srt:StockRepurchaseProgramAuthorizedAmount1" scale="6" id="f-2516">600</ix:nonFraction> million of common stock. This program expired in January 2022. In January 2021, we announced an additional share repurchase program of up to $<ix:nonFraction unitRef="usd" contextRef="c-396" decimals="-7" name="srt:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="9" id="f-2517">1.25</ix:nonFraction>&#160;billion of common stock (the &#8220;2021 Share Repurchase Program&#8221;) that expired in January 2023. In October 2021, our Board of Directors approved a $<ix:nonFraction unitRef="usd" contextRef="c-397" decimals="-6" name="slm:StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased" format="ixt:num-dot-decimal" scale="6" id="f-2518">250</ix:nonFraction>&#160;million increase in the amount of common stock that could be repurchased under the 2021 Share Repurchase Program, resulting in a total authorization of $<ix:nonFraction unitRef="usd" contextRef="c-398" decimals="-8" name="srt:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="9" id="f-2519">1.5</ix:nonFraction>&#160;billion of common stock. In January 2022, we announced a share repurchase program of up to $<ix:nonFraction unitRef="usd" contextRef="c-399" decimals="-7" name="srt:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="9" id="f-2520">1.25</ix:nonFraction>&#160;billion of common stock that expired in January 2024.</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%">In January 2024, we announced a new share repurchase program of up to $<ix:nonFraction unitRef="usd" contextRef="c-400" decimals="-6" name="srt:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="6" id="f-2521">650</ix:nonFraction>&#160;million of common stock (the &#8220;2024 Share Repurchase Program&#8221;). The program expires in February 2026. We had $<ix:nonFraction unitRef="usd" contextRef="c-401" decimals="-6" name="us-gaap:StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1" scale="6" id="f-2522">402</ix:nonFraction> million of capacity remaining under the 2024 Share Repurchase Program at December 31, 2024. </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 above share repurchase programs, repurchases could occur from time to time and through a variety of methods, including open market repurchases, repurchases effected through Rule 10b5-1 trading plans, negotiated block purchases, accelerated share repurchase programs, tender offers, or other similar transactions. The timing and volume of any repurchases are subject to market conditions, and there can be no guarantee that the Company will repurchase up to the limit of the 2024 Share Repurchase 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-style:italic;font-weight:400;line-height:107%">Share Repurchases under our Rule 10b5-1 Trading Plans</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%">During the years ended December 31, 2024, 2023, and 2022, we repurchased <ix:nonFraction unitRef="shares" contextRef="c-402" decimals="-6" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="f-2523">12</ix:nonFraction>&#160;million, <ix:nonFraction unitRef="shares" contextRef="c-403" decimals="-6" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="f-2524">22</ix:nonFraction>&#160;million, and <ix:nonFraction unitRef="shares" contextRef="c-404" decimals="-6" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="f-2525">40</ix:nonFraction>&#160;million shares, respectively, of our common stock at a total cost of $<ix:nonFraction unitRef="usd" contextRef="c-402" decimals="-6" name="us-gaap:TreasuryStockValueAcquiredCostMethod" format="ixt:num-dot-decimal" scale="6" id="f-2526">250</ix:nonFraction>&#160;million, $<ix:nonFraction unitRef="usd" contextRef="c-403" decimals="-6" name="us-gaap:TreasuryStockValueAcquiredCostMethod" format="ixt:num-dot-decimal" scale="6" id="f-2527">349</ix:nonFraction>&#160;million, and $<ix:nonFraction unitRef="usd" contextRef="c-404" decimals="-6" name="us-gaap:TreasuryStockValueAcquiredCostMethod" format="ixt:num-dot-decimal" scale="6" id="f-2528">708</ix:nonFraction>&#160;million, respectively, under Rule 10b5-1 trading plans authorized under our share repurchase programs. </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfTreasuryStockByClassTextBlock" id="f-2529" continuedAt="f-2529-1" 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 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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-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%">2022</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)</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%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="INF" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="f-2530">11,586,103</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 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%"><ix:nonFraction unitRef="shares" contextRef="c-9" decimals="INF" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="f-2531">22,341,595</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 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%"><ix:nonFraction unitRef="shares" contextRef="c-10" decimals="INF" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="0" id="f-2532">40,253,548</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"/></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">(2)</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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" name="slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" scale="0" id="f-2533">21.59</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" scale="0" id="f-2534">15.64</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" scale="0" id="f-2535">17.58</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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">(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:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="INF" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="f-2536">749,866</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-9" decimals="INF" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="f-2537">1,099,241</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-10" decimals="INF" name="us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation" format="ixt:num-dot-decimal" scale="0" id="f-2538">1,135,509</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" name="us-gaap:TreasuryStockAcquiredAverageCostPerShare" scale="0" id="f-2539">20.19</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:TreasuryStockAcquiredAverageCostPerShare" scale="0" id="f-2540">15.46</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="us-gaap:TreasuryStockAcquiredAverageCostPerShare" scale="0" id="f-2541">18.36</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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">(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%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="INF" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="f-2542">2,374,379</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-9" decimals="INF" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="f-2543">3,109,276</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-10" decimals="INF" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="f-2544">3,107,768</ix:nonFraction>&#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 $<ix:nonFraction unitRef="usd" contextRef="c-401" decimals="-6" name="us-gaap:StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1" scale="6" id="f-2545">402</ix:nonFraction> million of capacity remaining under the 2024 Share Repurchase Program at December 31, 2024. </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; Average purchase price per share includes purchase commission costs and excise taxes. </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; </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 the vesting of restricted stock, restricted stock units, performance stock units, and dividend equivalent units for employees&#8217; tax withholding obligations and shares tendered by employees to satisfy option exercise costs. </span></div></ix:nonNumeric><div style="margin-top:4.5pt;padding-left:78.75pt;padding-right:36pt;text-indent:-15.75pt"><ix:continuation id="f-2529-1" continuedAt="f-2529-2"><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; </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="f-2529-2">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="f-2502-3">The closing price of our common stock on the NASDAQ Global Select Market on December&#160;31, 2024 was $<ix:nonFraction unitRef="usdPerShare" contextRef="c-394" decimals="2" name="us-gaap:SharePrice" scale="0" id="f-2546">27.58</ix:nonFraction>.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">60    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_160"></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><br/></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%">13.    <ix:nonNumeric contextRef="c-1" name="us-gaap:EarningsPerShareTextBlock" id="f-2547" continuedAt="f-2547-1" 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="f-2547-1" continuedAt="f-2547-2"><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. <ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" id="f-2548" continuedAt="f-2548-1" escape="true">A reconciliation of the numerators and denominators of the basic and diluted EPS calculations follows.</ix:nonNumeric></span></div><div style="margin-top:4.5pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="f-2548-1" continuedAt="f-2548-2"><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:93.055%"><tr><td style="width:1.0%"/><td style="width:57.258%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.989%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.482%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.633%"/><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, (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:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:NetIncomeLoss" format="ixt:num-dot-decimal" scale="3" id="f-2549">608,325</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:NetIncomeLoss" format="ixt:num-dot-decimal" scale="3" id="f-2550">581,391</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:NetIncomeLoss" format="ixt:num-dot-decimal" scale="3" id="f-2551">469,014</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="f-2552">18,296</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="f-2553">17,705</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="f-2554">9,029</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="f-2555"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" format="ixt:num-dot-decimal" scale="3" id="f-2556">590,029</ix:nonFraction></ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="f-2557"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" format="ixt:num-dot-decimal" scale="3" id="f-2558">563,686</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" format="ixt:num-dot-decimal" scale="3" id="f-2559"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="f-2560">459,985</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"/></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%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-3" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="3" id="f-2561">216,220</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-9" decimals="-3" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="3" id="f-2562">231,411</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-10" decimals="-3" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="3" id="f-2563">258,439</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-3" name="us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" format="ixt:num-dot-decimal" scale="3" id="f-2564">3,714</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-9" decimals="-3" name="us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" format="ixt:num-dot-decimal" scale="3" id="f-2565">2,652</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-10" decimals="-3" name="us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" format="ixt:num-dot-decimal" scale="3" id="f-2566">3,064</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-3" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-2567">219,934</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 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%"><ix:nonFraction unitRef="shares" contextRef="c-9" decimals="-3" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-2568">234,063</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 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%"><ix:nonFraction unitRef="shares" contextRef="c-10" decimals="-3" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-2569">261,503</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"/></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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="f-2570">2.73</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="f-2571">2.44</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;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="c-10" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="f-2572">1.78</ix:nonFraction>&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="f-2573">2.68</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="f-2574">2.41</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 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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="f-2575">1.76</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"/></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="f-2548-2" continuedAt="f-2548-3"><ix:continuation id="f-2547-2" continuedAt="f-2547-3"><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="f-2548-3"><ix:continuation id="f-2547-3">For the years ended December&#160;31, 2024, 2023, and 2022, securities covering approximately less than <ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-6" name="us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" scale="6" id="f-2576">1</ix:nonFraction> million shares, <ix:nonFraction unitRef="shares" contextRef="c-9" decimals="-6" name="us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" scale="6" id="f-2577">1</ix:nonFraction> million shares, and <ix:nonFraction unitRef="shares" contextRef="c-10" decimals="-6" name="us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" scale="6" id="f-2578">1</ix:nonFraction> million shares, respectively, were 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="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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-61</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_163"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="margin-top:6pt"><span><br/></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%">14.    <ix:nonNumeric contextRef="c-1" name="us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" id="f-2579" continuedAt="f-2579-1" escape="true">Stock-Based Compensation Plans and Arrangements</ix:nonNumeric></span></div><ix:continuation id="f-2579-1" continuedAt="f-2579-2"><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, 2024, we had <ix:nonFraction unitRef="numberofcompensationplan" contextRef="c-1" decimals="INF" name="slm:NumberofCompensationPlans" format="ixt-sec:numwordsen" scale="0" id="f-2580">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, 2024, <ix:nonFraction unitRef="shares" contextRef="c-405" decimals="-6" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" format="ixt:num-dot-decimal" scale="6" id="f-2581">14</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, 2024 was <ix:nonFraction unitRef="shares" contextRef="c-406" decimals="-6" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" scale="6" id="f-2582">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, 2024, 2023, and 2022 was $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ShareBasedCompensation" scale="6" id="f-2583">40</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ShareBasedCompensation" scale="6" id="f-2584">36</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ShareBasedCompensation" scale="6" id="f-2585">34</ix:nonFraction> million, respectively. As of December&#160;31, 2024, there was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" scale="6" id="f-2586">23</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="c-1" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" format="ixt-sec:duryear" id="f-2587">1.5</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="c-10" decimals="INF" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" format="ixt:num-dot-decimal" scale="0" id="f-2588">86,536</ix:nonFraction> time-vested options granted in the year ended December 31, 2022. The options were granted to team members of an acquisition that took place in the first half of the year in 2022. The exercise price of the options is equal to <ix:nonFraction unitRef="number" contextRef="c-10" decimals="2" name="slm:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent" format="ixt:num-dot-decimal" scale="-2" id="f-2589">100</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="c-10" decimals="2" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage" format="ixt:num-dot-decimal" scale="-2" id="f-2590">100</ix:nonFraction> percent on the third anniversary of the respective grant date and expire <ix:nonNumeric contextRef="c-10" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" format="ixt-sec:durwordsen" id="f-2591">ten years</ix:nonNumeric> after the respective grant date. The fair value of each stock option grant was estimated on the date of grant using a Black-Scholes option 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 style="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="c-9" decimals="INF" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" format="ixt:fixed-zero" scale="0" id="f-2592">no</ix:nonFraction> stock options granted in the years ended December 31, 2023 and 2024.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">62    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;text-align:center"><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:3.578%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:93.490%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><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:10pt;font-weight:700;line-height:100%">14.</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"/></tr></table></div></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><ix:continuation id="f-2579-2" continuedAt="f-2579-3"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;<ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" id="f-2593" continuedAt="f-2593-1" escape="true">The following table summarizes stock option activity for the year ended December&#160;31, 2024.</ix:nonNumeric></span></div><ix:continuation id="f-2593-1"><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, 2023</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="c-8" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" format="ixt:num-dot-decimal" scale="0" id="f-2594">1,066,197</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 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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-8" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" scale="0" id="f-2595">17.59</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 colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#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%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" format="ixt:fixed-zero" scale="0" id="f-2596">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-1" decimals="2" name="us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" format="ixt:fixed-zero" scale="0" id="f-2597">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">(<ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised" format="ixt:num-dot-decimal" scale="0" id="f-2598">65,668</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-1" decimals="2" name="us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" scale="0" id="f-2599">17.65</ix:nonFraction>&#160;</span></td><td style="background-color:#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%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" format="ixt:fixed-zero" scale="0" id="f-2600">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-1" decimals="2" name="us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" format="ixt:fixed-zero" scale="0" id="f-2601">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#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, 2024</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="c-7" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" format="ixt:num-dot-decimal" scale="0" id="f-2602">1,000,529</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-7" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" scale="0" id="f-2603">17.59</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" format="ixt-sec:duryear" id="f-2604">6.2</ix:nonNumeric> years</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" format="ixt:num-dot-decimal" scale="3" id="f-2605">9,997</ix:nonFraction>&#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, 2024</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="c-7" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" format="ixt:num-dot-decimal" scale="0" id="f-2606">933,223</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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-7" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" scale="0" id="f-2607">17.65</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" format="ixt-sec:duryear" id="f-2608">6.1</ix:nonNumeric> years</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" format="ixt:num-dot-decimal" scale="3" id="f-2609">9,267</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"/></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, 2024 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, 2024.</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 the options exercised was $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="INF" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" scale="6" id="f-2610">0.3</ix:nonFraction> million for the year ended December 31, 2024. <ix:nonFraction unitRef="usd" contextRef="c-9" decimals="INF" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" format="ixt:fixed-zero" scale="6" id="f-2611"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="INF" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" format="ixt:fixed-zero" scale="6" id="f-2612">No</ix:nonFraction></ix:nonFraction> options were exercised in the years ended December 31, 2023 and 2022.</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">Cash of $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ProceedsFromStockOptionsExercised" scale="6" id="f-2613">1</ix:nonFraction> million was received from option exercises for the year ended December 31, 2024. The actual tax benefit realized for the tax deductions from option exercises totaled less than $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions" scale="6" id="f-2614">1</ix:nonFraction> million for the year ended December 31, 2024.</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></ix:continuation><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 <ix:nonNumeric contextRef="c-407" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" format="ixt-sec:durwordsen" id="f-2615">one year</ix:nonNumeric>. 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="c-1" name="us-gaap:ScheduleOfNonvestedShareActivityTableTextBlock" id="f-2616" 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, 2024. </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, 2023</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="c-408" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" format="ixt:num-dot-decimal" scale="0" id="f-2617">83,479</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 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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-408" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" scale="0" id="f-2618">16.47</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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="c-407" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" format="ixt:num-dot-decimal" scale="0" id="f-2619">77,759</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-407" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2620">20.51</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">(<ix:nonFraction unitRef="shares" contextRef="c-407" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" format="ixt:num-dot-decimal" scale="0" id="f-2621">83,479</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-407" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2622">16.47</ix:nonFraction>&#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%">(<ix:nonFraction unitRef="shares" contextRef="c-407" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" format="ixt:num-dot-decimal" scale="0" id="f-2623">7,069</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-407" decimals="2" name="slm:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2624">20.51</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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, 2024</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="c-409" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" format="ixt:num-dot-decimal" scale="0" id="f-2625">70,690</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 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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-409" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" scale="0" id="f-2626">20.51</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"/></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, 2024, 2023, and 2022 was $<ix:nonFraction unitRef="usd" contextRef="c-407" decimals="-6" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" scale="6" id="f-2627">1</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-410" decimals="-6" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" scale="6" id="f-2628">1</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="c-411" decimals="-6" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" scale="6" id="f-2629">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, 2024, there was $<ix:nonFraction unitRef="usd" contextRef="c-409" decimals="-5" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" scale="6" id="f-2630">0.7</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="c-407" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" format="ixt-sec:duryear" id="f-2631">0.5</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 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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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:95.000%"><tr><td style="width:1.0%"/><td style="width:3.578%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:93.490%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><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:10pt;font-weight:700;line-height:100%">14.</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"/></tr></table></div></div><ix:continuation id="f-2579-3" continuedAt="f-2579-4"><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="c-412" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" format="ixt-sec:durwordsen" id="f-2632">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="c-413" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" format="ixt-sec:durwordsen" id="f-2633">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. The fair value of each PSU grant was estimated on the date of grant using the Monte Carlo simulation-pricing model.</span></div><ix:nonNumeric contextRef="c-1" name="slm:ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" id="f-2634" 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, 2024.</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, 2023</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="c-414" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" format="ixt:num-dot-decimal" scale="0" id="f-2635">4,346,994</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 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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-414" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" scale="0" id="f-2636">16.39</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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="c-415" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" format="ixt:num-dot-decimal" scale="0" id="f-2637">2,061,763</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-415" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2638">20.22</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">(<ix:nonFraction unitRef="shares" contextRef="c-415" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" format="ixt:num-dot-decimal" scale="0" id="f-2639">1,932,557</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-415" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2640">16.39</ix:nonFraction>&#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%">(<ix:nonFraction unitRef="shares" contextRef="c-415" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" format="ixt:num-dot-decimal" scale="0" id="f-2641">38,019</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-415" decimals="2" name="slm:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2642">18.25</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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, 2024</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="c-416" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" format="ixt:num-dot-decimal" scale="0" id="f-2643">4,438,181</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 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%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-416" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" scale="0" id="f-2644">18.16</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"/></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, 2024, 2023, and 2022 was $<ix:nonFraction unitRef="usd" contextRef="c-415" decimals="-6" name="slm:FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" scale="6" id="f-2645">32</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-417" decimals="-6" name="slm:FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" format="ixt:num-dot-decimal" scale="6" id="f-2646">35</ix:nonFraction>&#160;million, and $<ix:nonFraction unitRef="usd" contextRef="c-418" decimals="-6" name="slm:FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" scale="6" id="f-2647">34</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, 2024, there was $<ix:nonFraction unitRef="usd" contextRef="c-416" decimals="-6" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" scale="6" id="f-2648">22</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="c-415" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" format="ixt-sec:duryear" id="f-2649">1.5</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;</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%">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="c-1" name="slm:OfferingPeriodOfEmployeeStockPurchasePlan" format="ixt-sec:durmonth" id="f-2650">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="c-419" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate" format="ixt:num-dot-decimal" scale="-2" id="f-2651">15</ix:nonFraction> percent, up to a maximum purchase price of $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="0" name="slm:MaximumContributionAmountPerEmployeeToEspp" format="ixt:num-dot-decimal" scale="0" id="f-2652">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="c-1" name="us-gaap:ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock" id="f-2653" 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:79.444%"><tr><td style="width:1.0%"/><td style="width:51.522%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.109%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.674%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.109%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.674%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.112%"/><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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="c-419" decimals="4" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" scale="-2" id="f-2654">4.56</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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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="c-420" decimals="4" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" scale="-2" id="f-2655">5.31</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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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="c-421" decimals="4" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" scale="-2" id="f-2656">3.02</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%">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="c-419" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" scale="-2" id="f-2657">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: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%"><ix:nonFraction unitRef="number" contextRef="c-420" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" scale="-2" id="f-2658">38</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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-421" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" scale="-2" id="f-2659">39</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="c-419" decimals="4" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" scale="-2" id="f-2660">1.99</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-420" decimals="4" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" scale="-2" id="f-2661">2.73</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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-421" decimals="4" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" scale="-2" id="f-2662">2.78</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="c-419" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" format="ixt-sec:duryear" id="f-2663">1</ix:nonNumeric> 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%"><ix:nonNumeric contextRef="c-420" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" format="ixt-sec:duryear" id="f-2664">1</ix:nonNumeric> 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%"><ix:nonNumeric contextRef="c-421" name="us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" format="ixt-sec:duryear" id="f-2665">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="c-419" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2666">5.07</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-420" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2667">4.14</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;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="c-421" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2668">4.17</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></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="c-419" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1" format="ixt-sec:durwordsen" id="f-2669">one-year</ix:nonNumeric> vesting period. As of December&#160;31, 2024, there was less than $<ix:nonFraction unitRef="usd" contextRef="c-406" decimals="-6" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" scale="6" id="f-2670">1</ix:nonFraction> million of unrecognized compensation cost related to the ESPP, which is expected to be recognized by July 2025.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">64    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;text-align:center"><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:3.578%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:93.490%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><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:10pt;font-weight:700;line-height:100%">14.</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"/></tr></table></div></div><div style="margin-top:9pt;text-indent:24.75pt"><ix:continuation id="f-2579-4"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the years ended December 31, 2023 and 2024, plan participants purchased approximately <ix:nonFraction unitRef="shares" contextRef="c-420" decimals="-3" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" format="ixt:num-dot-decimal" scale="0" id="f-2671"><ix:nonFraction unitRef="shares" contextRef="c-420" decimals="-3" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" format="ixt:num-dot-decimal" scale="0" id="f-2672"><ix:nonFraction unitRef="shares" contextRef="c-420" decimals="-3" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" format="ixt:num-dot-decimal" scale="0" id="f-2673">195,000</ix:nonFraction></ix:nonFraction></ix:nonFraction> shares and <ix:nonFraction unitRef="shares" contextRef="c-419" decimals="-3" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" format="ixt:num-dot-decimal" scale="0" id="f-2674">227,000</ix:nonFraction> shares, respectively, of our common stock. <ix:nonFraction unitRef="shares" contextRef="c-421" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" format="ixt:fixed-zero" scale="0" id="f-2675">No</ix:nonFraction> shares were purchased for the year ended December 31, 2022, as our stock price on July 31, 2022 was less than the offering price for the ESPP plan.</span></ix:continuation><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><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_169"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">      15.    <ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueDisclosuresTextBlock" id="f-2677" continuedAt="f-2677-1" escape="true">Fair Value Measurements</ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-2677-1" continuedAt="f-2677-2"><div style="margin-bottom:6pt;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="margin-bottom:6pt;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 hierarchical 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; in this Form 10-K. </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" id="f-2678" escape="true"><div style="margin-bottom:6pt;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:95.972%"><tr><td style="width:1.0%"/><td style="width:19.884%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.280%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.464%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.004%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.464%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.280%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.464%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.004%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.472%"/><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%">2024</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%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-422" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:fixed-zero" scale="3" id="f-2679">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-423" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:fixed-zero" scale="3" id="f-2680">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-424" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2681">53,262</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-425" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2682">53,262</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-426" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:fixed-zero" scale="3" id="f-2683">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-427" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:fixed-zero" scale="3" id="f-2684">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-428" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2685">54,481</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-429" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2686">54,481</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-422" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:fixed-zero" scale="3" id="f-2687">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-423" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-2688">1,930,537</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-424" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-2689">2,689</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-425" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-2690">1,933,226</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-426" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:fixed-zero" scale="3" id="f-2691">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-427" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-2692">2,411,622</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-428" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:fixed-zero" scale="3" id="f-2693">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-429" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-2694">2,411,622</ix:nonFraction>&#160;</span></td><td style="background-color:#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%"><span style="-sec-ix-hidden:f-2695"><span style="-sec-ix-hidden:f-2696">Derivative instruments</span></span></span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-422" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2697">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-423" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2698">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-424" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2699">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-425" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2700">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-426" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2701">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-427" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2702">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-428" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2703">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-429" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2704">&#8212;</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-422" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:fixed-zero" scale="3" id="f-2705">&#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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-423" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2706">1,930,537</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-424" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2707">55,951</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-425" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2708">1,986,488</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-426" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:fixed-zero" scale="3" id="f-2709">&#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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-427" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2710">2,411,622</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-428" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2711">54,481</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-429" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2712">2,466,103</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"/></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%"><span style="-sec-ix-hidden:f-2713"><span style="-sec-ix-hidden:f-2714">Derivative instruments</span></span></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%"><ix:nonFraction unitRef="usd" contextRef="c-422" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="f-2715">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-423" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2716">40</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-424" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="f-2717">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-425" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2718">40</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-426" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="f-2719">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-427" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2720">370</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-428" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="f-2721">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-429" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2722">370</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-422" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="f-2723">&#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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-423" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2724">40</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-424" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="f-2725">&#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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-425" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2726">40</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-426" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="f-2727">&#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 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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-427" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2728">370</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-428" decimals="-3" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="3" id="f-2729">&#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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-429" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2730">370</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"/></tr></table></div></ix:nonNumeric></ix:continuation><div><span><br/></span></div><div><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 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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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:95.000%"><tr><td style="width:1.0%"/><td style="width:3.578%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:93.490%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><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: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%">Fair Value Measurements (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><span><br/></span></div></div><ix:continuation id="f-2677-2" continuedAt="f-2677-3"><ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" id="f-2731" 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 table summarizes the change in balance sheet carrying value associated with level 3 financial instruments carried at fair value on a recurring basis. </span></div><div style="text-indent:22.5pt"><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:120%">  </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.777%"><tr><td style="width:1.0%"/><td style="width:38.246%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.510%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.127%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.510%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.417%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.510%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.422%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.510%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.127%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.510%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.417%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.368%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.426%"/><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-bottom:1pt solid #000;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:8.5pt;font-weight:700;line-height:100%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-bottom:1pt solid #000;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:8.5pt;font-weight:700;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="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:8.5pt;font-weight:700;line-height:100%">Investments</span></td><td colspan="3" style="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:8.5pt;font-weight:700;line-height:100%">Investments</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:8.5pt;font-weight:700;line-height:100%">Years ended 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:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Available For Sale - <br/>Debt Securities</span></td><td colspan="3" style="border-top:1pt solid #000;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:8.5pt;font-weight:700;line-height:100%">Trading - Residual Interests</span></td><td colspan="3" style="border-top:1pt solid #000;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:8.5pt;font-weight:700;line-height:100%">Total</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:8.5pt;font-weight:700;line-height:100%">Available For Sale -<br/>Debt Securities</span></td><td colspan="3" style="border-top:1pt solid #000;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:8.5pt;font-weight:700;line-height:100%">Trading - Residual Interests</span></td><td colspan="3" style="border-top:1pt solid #000;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:8.5pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededed;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%">Balance, beginning of period</span></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-430" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:fixed-zero" scale="3" id="f-2732">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-431" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="3" id="f-2733">54,481</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="3" id="f-2734">54,481</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-432" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:fixed-zero" scale="3" id="f-2735">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-433" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="3" id="f-2736">50,786</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="3" id="f-2737">50,786</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;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:9pt;font-weight:400;line-height:100%">Total gains/(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"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#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:#ededed;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:9pt;font-weight:400;line-height:100%">Included in earnings (or changes in net assets)</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:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-434" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" scale="3" id="f-2738">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-435" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" scale="3" id="f-2739">478</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" scale="3" id="f-2740">498</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-436" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" format="ixt:fixed-zero" scale="3" id="f-2741">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-437" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" format="ixt:num-dot-decimal" scale="3" id="f-2742">2,721</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" format="ixt:num-dot-decimal" scale="3" id="f-2743">2,721</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;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%"><span style="-sec-ix-hidden:f-2744">Included in other comprehensive income</span></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-434" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" scale="3" id="f-2745">80</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-435" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" format="ixt:fixed-zero" scale="3" id="f-2746">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" scale="3" id="f-2747">80</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-436" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" format="ixt:fixed-zero" scale="3" id="f-2748">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-437" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" format="ixt:fixed-zero" scale="3" id="f-2749">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" format="ixt:fixed-zero" scale="3" id="f-2750">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededed;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%">Settlements</span></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-434" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" format="ixt:num-dot-decimal" scale="3" id="f-2751">2,589</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-435" decimals="-3" sign="-" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" format="ixt:num-dot-decimal" scale="3" id="f-2752">1,697</ix:nonFraction>)</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" scale="3" id="f-2753">892</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-436" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" format="ixt:fixed-zero" scale="3" id="f-2754">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-437" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" scale="3" id="f-2755">974</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" scale="3" id="f-2756">974</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 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%">Transfers into level 3</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-434" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" format="ixt:fixed-zero" scale="3" id="f-2757">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-435" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" format="ixt:fixed-zero" scale="3" id="f-2758">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" format="ixt:fixed-zero" scale="3" id="f-2759">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-436" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" format="ixt:fixed-zero" scale="3" id="f-2760">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-437" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" format="ixt:fixed-zero" scale="3" id="f-2761">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" format="ixt:fixed-zero" scale="3" id="f-2762">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededed;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%">Transfers out of level 3</span></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-434" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" format="ixt:fixed-zero" scale="3" id="f-2763">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-435" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" format="ixt:fixed-zero" scale="3" id="f-2764">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" format="ixt:fixed-zero" scale="3" id="f-2765">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-436" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" format="ixt:fixed-zero" scale="3" id="f-2766">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-437" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" format="ixt:fixed-zero" scale="3" id="f-2767">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" format="ixt:fixed-zero" scale="3" id="f-2768">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 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%">Balance, end of period</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%"><ix:nonFraction unitRef="usd" contextRef="c-438" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="3" id="f-2769">2,689</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-439" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="3" id="f-2770">53,262</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="3" id="f-2771">55,951</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-430" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:fixed-zero" scale="3" id="f-2772">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-431" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="3" id="f-2773">54,481</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="3" id="f-2774">54,481</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"/></tr><tr style="height:9pt"><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededed;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:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period</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%"><ix:nonFraction unitRef="usd" contextRef="c-434" decimals="-3" name="us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" scale="3" id="f-2775">80</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-435" decimals="-3" name="us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" format="ixt:fixed-zero" scale="3" id="f-2776">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" scale="3" id="f-2777">80</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-436" decimals="-3" name="us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" format="ixt:fixed-zero" scale="3" id="f-2778">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-437" decimals="-3" name="us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" format="ixt:fixed-zero" scale="3" id="f-2779">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" format="ixt:fixed-zero" scale="3" id="f-2780">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededed;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="-sec-ix-hidden:f-2781"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized gains (losses) for the period included in earnings (or changes in net assets) for assets held at the end of the reporting period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></span></div></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-434" decimals="-3" name="us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" format="ixt:fixed-zero" scale="3" id="f-2782">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-435" decimals="-3" name="us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" scale="3" id="f-2783">478</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" scale="3" id="f-2784">478</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-436" decimals="-3" name="us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" format="ixt:fixed-zero" scale="3" id="f-2785">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-437" decimals="-3" name="us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" format="ixt:num-dot-decimal" scale="3" id="f-2786">2,721</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" format="ixt:num-dot-decimal" scale="3" id="f-2787">2,721</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:22.5pt;text-indent:-13.5pt"><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%">Included in earnings (or changes in net assets) is comprised of the amounts recorded in the specified line item in the consolidated statements of income:</span></div><div style="padding-left:40.5pt;padding-right:22.5pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.444%"><tr><td style="width:1.0%"/><td style="width:43.797%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.175%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.075%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.178%"/><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%">Years Ended 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:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><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%">2024</span></td><td colspan="3" style="padding:0 1pt"/><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%">2023</span></td></tr><tr><td colspan="3" style="background-color:#ededed;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:8pt;font-weight:400;line-height:100%"><span style="-sec-ix-hidden:f-2788">Interest Income - Investments</span></span></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededed;border-top:1pt 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:#ededed;border-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="c-440" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" scale="3" id="f-2789">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededed;border-top:1pt 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:#ededed;border-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="c-441" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" format="ixt:fixed-zero" scale="3" id="f-2790">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;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:8pt;font-weight:400;line-height:100%"><span style="-sec-ix-hidden:f-2791"><span style="-sec-ix-hidden:f-2792">Gains (losses) on securities, net</span></span></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-443" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" scale="3" id="f-2793">478</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-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="c-442" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" format="ixt:num-dot-decimal" scale="3" id="f-2794">2,721</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ededed;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</span></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"/><td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt 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:#ededed;border-bottom:3pt double #000;border-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="c-1" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" scale="3" id="f-2795">498</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;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:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt 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:#ededed;border-bottom:3pt double #000;border-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="c-9" decimals="-3" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" format="ixt:num-dot-decimal" scale="3" id="f-2796">2,721</ix:nonFraction>&#160;</span></td><td style="background-color:#ededed;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:22.5pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:42.75pt;padding-right:22.5pt;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%">    Recorded in "gains (losses) on securities, net" in the consolidated statements of income.</span></div></ix:nonNumeric><div style="padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"><span><br/></span></div><div style="padding-left:126pt;padding-right:72pt;text-indent:-18pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" id="f-2797" 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 presents the significant unobservable inputs used in the recurring valuations of the level 3 financial instruments detailed above. </span></div><div style="text-indent: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:534.75pt"><tr><td style="width:1.0pt"/><td style="width:110.50pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:67.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:4.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:91.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:132.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:1.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:105.25pt"/><td style="width:1.0pt"/></tr><tr style="height:23pt"><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:8.5pt;font-weight:700;line-height:100%">As of December 31, 2024<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:8.5pt;font-weight:700;line-height:100%">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:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Valuation Technique</span></td><td colspan="3" style="border-top:1pt solid #000;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:8.5pt;font-weight:700;line-height:100%">Unobservable Input</span></td><td colspan="3" style="border-top:1pt solid #000;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:8.5pt;font-weight:700;line-height:100%">Range (Average)</span></td></tr><tr style="height:15pt"><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%">Debt Securities</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%"><ix:nonFraction unitRef="usd" contextRef="c-444" decimals="-3" name="us-gaap:AvailableForSaleSecuritiesDebtSecurities" format="ixt:num-dot-decimal" scale="3" id="f-2798">2,689</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 colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><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%">Discounted cash flow</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: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%">Constant Prepayment Rate</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: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%"><ix:nonFraction unitRef="number" contextRef="c-445" decimals="3" name="us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput" scale="-2" id="f-2799">6.9</ix:nonFraction>%-<ix:nonFraction unitRef="number" contextRef="c-446" decimals="3" name="us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput" scale="-2" id="f-2800">11.0</ix:nonFraction>% (<ix:nonFraction unitRef="number" contextRef="c-447" decimals="4" name="us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput" scale="-2" id="f-2801">8.3</ix:nonFraction>%) </span></div></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: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%">Probability of default</span></td><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%"><ix:nonFraction unitRef="number" contextRef="c-448" decimals="3" name="us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput" scale="-2" id="f-2802">4.0</ix:nonFraction>%-<ix:nonFraction unitRef="number" contextRef="c-449" decimals="3" name="us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput" scale="-2" id="f-2803">17.0</ix:nonFraction>% (<ix:nonFraction unitRef="number" contextRef="c-450" decimals="4" name="us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput" scale="-2" id="f-2804">11.5</ix:nonFraction>%) </span></div></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%">Residual Interests</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-444" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2805">53,262</ix:nonFraction>&#160;</span></td><td style="background-color:#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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Discounted cash flow</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%">Constant Prepayment Rate</span></td><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%"><ix:nonFraction unitRef="number" contextRef="c-445" decimals="3" name="us-gaap:DebtSecuritiesTradingMeasurementInput" scale="-2" id="f-2806">6.9</ix:nonFraction>%-<ix:nonFraction unitRef="number" contextRef="c-446" decimals="3" name="us-gaap:DebtSecuritiesTradingMeasurementInput" scale="-2" id="f-2807">11.0</ix:nonFraction>% (<ix:nonFraction unitRef="number" contextRef="c-447" decimals="4" name="us-gaap:DebtSecuritiesTradingMeasurementInput" scale="-2" id="f-2808">8.3</ix:nonFraction>%) </span></div></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: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%">Probability of default</span></td><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%"><ix:nonFraction unitRef="number" contextRef="c-448" decimals="3" name="us-gaap:DebtSecuritiesTradingMeasurementInput" scale="-2" id="f-2809">4.0</ix:nonFraction>%-<ix:nonFraction unitRef="number" contextRef="c-449" decimals="3" name="us-gaap:DebtSecuritiesTradingMeasurementInput" scale="-2" id="f-2810">17.0</ix:nonFraction>% (<ix:nonFraction unitRef="number" contextRef="c-450" decimals="4" name="us-gaap:DebtSecuritiesTradingMeasurementInput" scale="-2" id="f-2811">11.5</ix:nonFraction>%) </span></div></td></tr><tr style="height:15pt"><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%">Total</span></td><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%"><ix:nonFraction unitRef="usd" contextRef="c-444" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2812">55,951</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 colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#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></table></div></ix:nonNumeric><div style="margin-top:6pt;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The significant inputs detailed in the above table would be expected to have the following impacts to the valuations: </span></div><div style="margin-top:6pt;padding-left:36pt;text-indent:-9pt"><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:5.5pt">A decrease in CPR would result in a longer weighted average life of the trust, resulting in a decrease to the valuation due to the delay in residual cash flows with the increased term. The opposite is true for an increase in the CPR.  </span></div><div style="margin-top:6pt;padding-left:36pt;text-indent:-9pt"><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:5.5pt">A decrease in the probability of defaults means increased principal receipts, resulting in an increase to the valuation due to the increase in residual cash flow. </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">66    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;text-align:center"><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:3.578%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:93.490%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><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: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%">Fair Value Measurements (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><span><br/></span></div></div><ix:continuation id="f-2677-3" continuedAt="f-2677-4"><div style="margin-top:6pt;padding-left:36pt;text-indent:-9pt"><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:5.5pt">Conversely, an increase in the probability of defaults means decreased principal receipts, resulting in a decrease to the valuation due to the decrease in residual cash flow.</span></div><div style="margin-top:6pt;text-indent:9pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueByBalanceSheetGroupingTextBlock" id="f-2813" 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 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:96.111%"><tr><td style="width:1.0%"/><td style="width:27.801%"/><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: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:9.449%"/><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: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:9.454%"/><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%">2024</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%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-451" decimals="-3" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2814">24,110,381</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-452" decimals="-3" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2815">20,902,158</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-453" decimals="-3" name="slm:LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2816">3,208,223</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-454" decimals="-3" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2817">22,229,045</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-455" decimals="-3" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2818">19,772,293</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-456" decimals="-3" name="slm:LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2819">2,456,752</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-457" decimals="-3" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:fixed-zero" scale="3" id="f-2820">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-458" decimals="-3" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:fixed-zero" scale="3" id="f-2821">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-459" decimals="-3" name="slm:LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" format="ixt:fixed-zero" scale="3" id="f-2822">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-460" decimals="-3" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2823">542,775</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-461" decimals="-3" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2824">534,064</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-462" decimals="-3" name="slm:LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2825">8,711</ix:nonFraction>&#160;</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"/><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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-3" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2826">4,700,366</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-3" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2827">4,700,366</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-3" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2828">4,149,838</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-3" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2829">4,149,838</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2830">53,262</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2831">53,262</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2832">54,481</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-3" name="us-gaap:TradingSecuritiesDebt" format="ixt:num-dot-decimal" scale="3" id="f-2833">54,481</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-3" name="us-gaap:InvestmentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2834">1,933,226</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-3" name="us-gaap:InvestmentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2835">1,933,226</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-3" name="us-gaap:InvestmentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2836">2,411,622</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-3" name="us-gaap:InvestmentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2837">2,411,622</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-3" name="slm:AccruedInterestReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2838">1,663,474</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-3" name="slm:AccruedInterestReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2839">1,546,590</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:AccruedInterestReceivableFairValueDisclosureDifference" format="ixt:num-dot-decimal" scale="3" id="f-2840">116,884</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-3" name="slm:AccruedInterestReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2841">1,448,766</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-3" name="slm:AccruedInterestReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2842">1,379,904</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:AccruedInterestReceivableFairValueDisclosureDifference" format="ixt:num-dot-decimal" scale="3" id="f-2843">68,862</ix:nonFraction>&#160;</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"/><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%">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%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2844">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2845">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2846">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-3" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="3" id="f-2847">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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 earning 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%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2848">32,460,709</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2849">29,135,602</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2850">3,325,107</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2851">30,836,527</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-3" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2852">28,302,202</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2853">2,534,325</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"/></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%">Interest-bearing 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"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#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%">Money-market and savings accounts</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%"><ix:nonFraction unitRef="usd" contextRef="c-467" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2854">10,503,731</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-468" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2855">10,526,324</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-469" decimals="-3" name="slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2856">22,593</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-470" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2857">11,134,883</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-471" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2858">11,203,292</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-472" decimals="-3" name="slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2859">68,409</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-473" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2860">10,593,666</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-474" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2861">10,540,428</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-475" decimals="-3" sign="-" name="slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2862">53,238</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-476" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2863">10,380,684</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-477" decimals="-3" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2864">10,448,365</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-478" decimals="-3" name="slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2865">67,681</ix:nonFraction>&#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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-3" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2866">6,323,384</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-3" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2867">6,440,345</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2868">116,961</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-3" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2869">4,873,690</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-3" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2870">5,227,512</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2871">353,822</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-3" name="us-gaap:AccruedLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2872">108,488</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-3" name="us-gaap:AccruedLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2873">108,488</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-3" name="us-gaap:AccruedLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2874">105,066</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-3" name="us-gaap:AccruedLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2875">105,066</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2876">40</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2877">40</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2878">370</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-3" name="us-gaap:DerivativeLiabilities" scale="3" id="f-2879">370</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-3" name="us-gaap:FinancialLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2880">27,529,309</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-3" name="us-gaap:FinancialLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2881">27,615,625</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2882">86,316</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-3" name="us-gaap:FinancialLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2883">26,494,693</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-3" name="us-gaap:FinancialLiabilitiesFairValueDisclosure" format="ixt:num-dot-decimal" scale="3" id="f-2884">26,984,605</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" format="ixt:num-dot-decimal" scale="3" id="f-2885">489,912</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"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:ExcessOfNetAssetFairValueOverCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-2886">3,411,423</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 colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="3" style="background-color:#ededee;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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:ExcessOfNetAssetFairValueOverCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-2887">3,024,237</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"/></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><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><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%">Investments classified as trading are carried at fair value in the consolidated financial statements. Investments in residual class interests are valued using observable inputs in the cash flow modeling where available, but many significant inputs are unobservable. Residual interests are not exchange traded nor do they have quoted market prices, as they are unique and do not actively trade. 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. The fair value of most of our non-residual vertical risk retention investments is estimated using pricing indications obtained from the investment bankers who participate in the asset-backed securities market. As such, these </span></div></ix:continuation><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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:95.000%"><tr><td style="width:1.0%"/><td style="width:3.578%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:93.490%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><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: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%">Fair Value Measurements (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><span><br/></span></div></div><ix:continuation id="f-2677-4" continuedAt="f-2677-5"><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">are level 2 valuations. Where we are unable to obtain pricing indications for our non-residual vertical risk retention investments, we classify them as level 3 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</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 third quarter of 2024, we transferred our FFELP Loan portfolio to loans held for sale as we planned to sell our FFELP Loan portfolio. At that time, we wrote down this loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $<ix:nonFraction unitRef="usd" contextRef="c-65" decimals="-6" sign="-" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:num-dot-decimal" scale="6" id="f-2888">8</ix:nonFraction>&#160;million. We subsequently sold the FFELP Loan portfolio to a third party during the fourth quarter of 2024. </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, 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%">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 secured borrowings is estimated using pricing indications obtained from the investment bankers who participate in the asset-backed securities market. The fair value of our long-term unsecured borrowings is sourced from a third-party pricing service.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%">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></ix:continuation><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%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">68    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;text-align:center"><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:3.578%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:93.490%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><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: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%">Fair Value Measurements (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><span><br/></span></div></div><ix:continuation id="f-2677-5" continuedAt="f-2677-6"><div style="margin-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 SOFR 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="f-2677-6">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 (SOFR). 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="idb53689b710946c1b3ee3e39899ac732_178"></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">16.    <ix:nonNumeric contextRef="c-1" name="us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" id="f-2891" continuedAt="f-2891-1" escape="true">Regulatory Capital</ix:nonNumeric></span></div><ix:continuation id="f-2891-1" continuedAt="f-2891-2"><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="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%">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:6pt;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:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">In July 2023, the federal banking agencies proposed a rule to implement significant changes to the U.S. Basel III regulatory capital requirements. The proposed changes to the regulatory capital requirements generally would amend or introduce approaches and methodologies that would apply to banking organizations with total consolidated assets of $100&#160;billion or more or to banking organizations with significant trading activity. The proposed rule therefore would not affect the Bank&#8217;s capital requirements or the calculation of its capital ratios. </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%">Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopted</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, could elect to delay for <ix:nonNumeric contextRef="c-479" name="slm:PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" format="ixt-sec:durwordsen" id="f-2892">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 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="c-480" decimals="INF" name="slm:AdoptionOfNewAccountingPronouncementsPercentDeferred" scale="-2" id="f-2893">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="c-479" name="slm:PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" format="ixt-sec:durwordsen" id="f-2894">two-year</ix:nonNumeric> period ending January 1, 2022. On each of January 1 of 2022, 2023 and 2024, <ix:nonFraction unitRef="number" contextRef="c-480" decimals="INF" name="slm:AdoptionOfNewAccountingPronouncementsPercentDeferred" format="ixt:num-dot-decimal" scale="-2" id="f-2895">25</ix:nonFraction> percent of the adjusted transition amounts was phased in for regulatory capital purposes. On January 1, 2025, the remaining <ix:nonFraction unitRef="number" contextRef="c-480" decimals="INF" name="slm:AdoptionOfNewAccountingPronouncementsPercentDeferred" scale="-2" id="f-2896">25</ix:nonFraction> percent of the adjusted transition amounts was phased in for regulatory capital purposes, with the phased-in amounts included in regulatory capital at the beginning of the year. The Bank&#8217;s January 1, 2020 CECL transition amounts increased our allowance for credit losses by $<ix:nonFraction unitRef="usd" contextRef="c-480" decimals="-8" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="9" id="f-2897">1.1</ix:nonFraction>&#160;billion, increased the liability representing our off-balance sheet exposure for unfunded commitments by $<ix:nonFraction unitRef="usd" contextRef="c-480" decimals="-6" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="6" id="f-2898">116</ix:nonFraction>&#160;million, and increased our deferred tax asset by $<ix:nonFraction unitRef="usd" contextRef="c-480" decimals="-6" name="us-gaap:DeferredTaxAssetsLiabilitiesNet" format="ixt:num-dot-decimal" scale="6" id="f-2899">306</ix:nonFraction>&#160;million, resulting in a cumulative effect adjustment that reduced retained earnings by $<ix:nonFraction unitRef="usd" contextRef="c-479" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod" format="ixt:num-dot-decimal" scale="6" id="f-2900">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: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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-69</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;text-align:center"><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:2.847%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.221%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><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: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%">Regulatory Capital (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><ix:continuation id="f-2891-2" continuedAt="f-2891-3"><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" id="f-2901" continuedAt="f-2901-1" 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:115%">At December 31, 2024, the adjusted transition amounts that were deferred and are being phased in for regulatory capital purposes are as follows: </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:97.916%"><tr><td style="width:1.0%"/><td style="width:18.332%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.792%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.509%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.509%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.644%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.509%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.644%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.509%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.644%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.509%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.799%"/><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:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Phase-In <br/>Amounts for the Year Ended</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Phase-In <br/>Amounts for the Year Ended</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Phase-In <br/>Amounts for the Year Ended</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Remaining Adjusted Transition Amounts to be Phased-In</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%">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%">December 31, 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2024</span></td></tr><tr style="height:14pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><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:9pt;font-weight:400;line-height:100%">Retained 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%"><ix:nonFraction unitRef="usd" contextRef="c-481" decimals="-3" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="f-2902">836,351</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-482" decimals="-3" sign="-" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="f-2903">209,088</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-483" decimals="-3" sign="-" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="f-2904">209,088</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-484" decimals="-3" sign="-" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="f-2905">209,088</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-485" decimals="-3" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="f-2906">209,087</ix:nonFraction>&#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%">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%"><ix:nonFraction unitRef="usd" contextRef="c-481" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-2907">1,038,145</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-482" decimals="-3" sign="-" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-2908">259,536</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-483" decimals="-3" sign="-" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-2909">259,536</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-484" decimals="-3" sign="-" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-2910">259,536</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-485" decimals="-3" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="3" id="f-2911">259,537</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 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%">Liability for unfunded 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:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-481" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-2912">104,377</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-482" decimals="-3" sign="-" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-2913">26,094</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-483" decimals="-3" sign="-" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-2914">26,094</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-484" decimals="-3" sign="-" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-2915">26,095</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-485" decimals="-3" name="us-gaap:OffBalanceSheetCreditLossLiability" format="ixt:num-dot-decimal" scale="3" id="f-2916">26,094</ix:nonFraction>&#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%">Deferred tax asset</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-481" decimals="-3" name="us-gaap:DeferredTaxAssetsLiabilitiesNet" format="ixt:num-dot-decimal" scale="3" id="f-2917">306,171</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-482" decimals="-3" sign="-" name="us-gaap:DeferredTaxAssetsLiabilitiesNet" format="ixt:num-dot-decimal" scale="3" id="f-2918">76,542</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-483" decimals="-3" sign="-" name="us-gaap:DeferredTaxAssetsLiabilitiesNet" format="ixt:num-dot-decimal" scale="3" id="f-2919">76,542</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-484" decimals="-3" sign="-" name="us-gaap:DeferredTaxAssetsLiabilitiesNet" format="ixt:num-dot-decimal" scale="3" id="f-2920">76,543</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-485" decimals="-3" name="us-gaap:DeferredTaxAssetsLiabilitiesNet" format="ixt:num-dot-decimal" scale="3" id="f-2921">76,544</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><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 Bank&#8217;s required and actual regulatory capital amounts and ratios, including applicable capital conservation buffers, under U.S. Basel III are shown in the following table. <ix:continuation id="f-2901-1" continuedAt="f-2901-2">The following capital amounts and ratios are based upon the Bank&#8217;s average assets and risk-weighted assets, as indicated. The Bank has elected to exclude accumulated other comprehensive income related to both available-for-sale investments and swap valuations from Common Equity Tier 1 Capital. At December 31, 2024 and December 31, 2023, the unrealized loss on available-for-sale investments included in other comprehensive income totaled $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedGainLoss" format="ixt:num-dot-decimal" scale="6" id="f-2922">83</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedGainLoss" format="ixt:num-dot-decimal" scale="6" id="f-2923">115</ix:nonFraction>&#160;million, net of tax of $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" format="ixt:num-dot-decimal" scale="6" id="f-2924">27</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" format="ixt:num-dot-decimal" scale="6" id="f-2925">37</ix:nonFraction>&#160;million, respectively. The capital ratios would remain above the well capitalized thresholds, including applicable capital conservation buffers, if the unrealized loss became fully recognized into capital.</ix:continuation></span></div><div style="text-indent:22.5pt"><span><br/></span></div><ix:continuation id="f-2901-2" continuedAt="f-2901-3"><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"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2024</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">(3)</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">:</span></div></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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:CommonEquityTierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="3" id="f-2926">2,957,067</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="slm:TierOneCommonEquityCapitaltoRiskWeightedAssets" scale="-2" id="f-2927">11.3</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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" format="ixt:num-dot-decimal" scale="3" id="f-2928">1,827,318</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="slm:TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" scale="-2" id="f-2929">7.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="3" id="f-2930">2,957,067</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-2931">11.3</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: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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized" format="ixt:num-dot-decimal" scale="3" id="f-2932">2,218,886</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" scale="-2" id="f-2933">8.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:Capital" format="ixt:num-dot-decimal" scale="3" id="f-2934">3,294,663</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="us-gaap:CapitalToRiskWeightedAssets" scale="-2" id="f-2935">12.6</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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:CapitalRequiredToBeWellCapitalized" format="ixt:num-dot-decimal" scale="3" id="f-2936">2,740,976</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" scale="-2" id="f-2937">10.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TierOneLeverageCapital" format="ixt:num-dot-decimal" scale="3" id="f-2938">2,957,067</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="us-gaap:TierOneLeverageCapitalToAverageAssets" scale="-2" id="f-2939">9.7</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: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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized" format="ixt:num-dot-decimal" scale="3" id="f-2940">1,213,505</ix:nonFraction>&#160;</span></td><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%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" scale="-2" id="f-2941">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 colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#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"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2023</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">(3)</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;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"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:CommonEquityTierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="3" id="f-2942">3,019,973</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="slm:TierOneCommonEquityCapitaltoRiskWeightedAssets" scale="-2" id="f-2943">12.3</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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" format="ixt:num-dot-decimal" scale="3" id="f-2944">1,719,621</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="slm:TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" scale="-2" id="f-2945">7.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="3" id="f-2946">3,019,973</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-2947">12.3</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: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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized" format="ixt:num-dot-decimal" scale="3" id="f-2948">2,088,111</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" scale="-2" id="f-2949">8.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:Capital" format="ixt:num-dot-decimal" scale="3" id="f-2950">3,334,140</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="us-gaap:CapitalToRiskWeightedAssets" scale="-2" id="f-2951">13.6</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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:CapitalRequiredToBeWellCapitalized" format="ixt:num-dot-decimal" scale="3" id="f-2952">2,579,432</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" scale="-2" id="f-2953">10.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TierOneLeverageCapital" format="ixt:num-dot-decimal" scale="3" id="f-2954">3,019,973</ix:nonFraction>&#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%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="us-gaap:TierOneLeverageCapitalToAverageAssets" scale="-2" id="f-2955">10.2</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 style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized" format="ixt:num-dot-decimal" scale="3" id="f-2956">1,184,213</ix:nonFraction>&#160;</span></td><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%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" scale="-2" id="f-2957">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="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"><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:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">        &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div><div style="padding-left:63pt;padding-right:54pt;text-indent:-13.5pt"><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:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline">Reflects the U.S. Basel III minimum required ratio plus the applicable capital conservation buffer. </span></div><div style="padding-left:63pt;padding-right:54pt;text-indent:-13.5pt"><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:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline">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:continuation><div style="padding-left:63pt;padding-right:54pt;text-indent:-13.5pt"><ix:continuation id="f-2901-3" continuedAt="f-2901-4"><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></ix:continuation><span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline"><ix:continuation id="f-2901-4">For both December 31, 2024 and 2023, the actual amounts and the actual ratios include the respective adjusted transition amounts discussed above that were phased in at the beginning of 2024 and 2023.</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:400;line-height:120%">Bank Dividends</span></div><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%">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 Company </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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">70    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;text-align:center"><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:2.847%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.221%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><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: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%">Regulatory Capital (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-2891-3">relies on dividends from the Bank, as necessary, to enable the Company to pay any declared dividends and other payments and consummate share repurchases, as described herein. The Bank declared $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:Dividends" format="ixt:num-dot-decimal" scale="6" id="f-2958">570</ix:nonFraction>&#160;million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:Dividends" scale="6" id="f-2959">550</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:Dividends" format="ixt:num-dot-decimal" scale="6" id="f-2960">700</ix:nonFraction>&#160;million in dividends to the Company for the years ended December 31, 2024, 2023, and 2022, respectively, with the proceeds primarily used to fund 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 id="idb53689b710946c1b3ee3e39899ac732_181"></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">      17.   <ix:nonNumeric contextRef="c-1" name="us-gaap:CompensationAndEmployeeBenefitPlansTextBlock" id="f-2961" continuedAt="f-2961-1" escape="true">Defined Contribution Plans</ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-2961-1"><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 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="c-486" decimals="INF" name="us-gaap:DefinedContributionPlanEmployerMatchingContributionPercent" format="ixt:num-dot-decimal" scale="-2" id="f-2962">100</ix:nonFraction> percent of the first <ix:nonFraction unitRef="number" contextRef="c-486" decimals="2" name="slm:Type1ofDefinedContributionPlan" format="ixt-sec:numwordsen" scale="-2" id="f-2963">five</ix:nonFraction> percent of contributions for eligible employees. For the years ended December 31, 2024, 2023, and 2022, we contributed $<ix:nonFraction unitRef="usd" contextRef="c-486" decimals="-6" name="us-gaap:DefinedContributionPlanEmployerDiscretionaryContributionAmount" scale="6" id="f-2964">10</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-487" decimals="-6" name="us-gaap:DefinedContributionPlanEmployerDiscretionaryContributionAmount" scale="6" id="f-2965">8</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="c-488" decimals="-6" name="us-gaap:DefinedContributionPlanEmployerDiscretionaryContributionAmount" scale="6" id="f-2966">7</ix:nonFraction> million, respectively, to this plan.</span></div></ix:continuation><div style="text-indent:22.5pt"><span><br/></span></div><div id="idb53689b710946c1b3ee3e39899ac732_184"></div><div style="margin-top:5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">      18.   <ix:nonNumeric contextRef="c-1" name="us-gaap:CommitmentsAndContingenciesDisclosureTextBlock" id="f-2967" continuedAt="f-2967-1" escape="true">Commitments, Contingencies, and Guarantees</ix:nonNumeric></span></div><ix:continuation id="f-2967-1"><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:5pt;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 that we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by us. At December 31, 2024, we had $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-8" name="us-gaap:ContractualObligation" scale="9" id="f-2968">2.3</ix:nonFraction> billion of outstanding contractual loan commitments which we expect to fund during the remainder of the 2024/2025 academic year. At December 31, 2024, we had an $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="slm:OtherLiabilitiesReserve" scale="6" id="f-2969">85</ix:nonFraction> million reserve recorded in &#8220;Other Liabilities&#8221; to cover lifetime expected credit losses on the unfunded commitments. See Note 2,&#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses &#8212; Off-Balance Sheet Exposure for Contractual Loan Commitments&#8221; and Note 6, &#8220;Allowance for Credit Losses and Unfunded Loan Commitments &#8212; Unfunded Loan Commitments&#8221; in this Form 10-K for additional information.</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%">Contingencies</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 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:5pt;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: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 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></ix:continuation><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-71</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_187"></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><br/></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">19.    <ix:nonNumeric contextRef="c-1" name="us-gaap:IncomeTaxDisclosureTextBlock" id="f-2970" continuedAt="f-2970-1" escape="true">Income Taxes</ix:nonNumeric></span></div><ix:continuation id="f-2970-1" continuedAt="f-2970-2"><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" id="f-2971" 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 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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2022</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%"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" scale="-2" id="f-2972">21.0</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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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="c-9" decimals="2" name="us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" scale="-2" id="f-2973">21.0</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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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="c-10" decimals="2" name="us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" scale="-2" id="f-2974">21.0</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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" scale="-2" id="f-2975">2.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-9" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" scale="-2" id="f-2976">3.8</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-10" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" scale="-2" id="f-2977">4.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 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%">(<ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationTaxCredits" scale="-2" id="f-2978">2.0</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-9" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationTaxCredits" scale="-2" id="f-2979">1.3</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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="c-10" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationTaxCredits" scale="-2" id="f-2980">1.5</ix:nonFraction>)</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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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%"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments" scale="-2" id="f-2981">2.5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-9" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments" scale="-2" id="f-2982">1.8</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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="c-10" decimals="3" name="us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments" scale="-2" id="f-2983">2.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="us-gaap:EffectiveIncomeTaxRateContinuingOperations" scale="-2" id="f-2984">23.8</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 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="c-9" decimals="3" name="us-gaap:EffectiveIncomeTaxRateContinuingOperations" scale="-2" id="f-2985">25.3</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><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%"><ix:nonFraction unitRef="number" contextRef="c-10" decimals="3" name="us-gaap:EffectiveIncomeTaxRateContinuingOperations" scale="-2" id="f-2986">25.6</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:14pt;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="c-10" decimals="2" name="us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" format="ixt:num-dot-decimal" scale="-2" id="f-2987"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" format="ixt:num-dot-decimal" scale="-2" id="f-2988"><ix:nonFraction unitRef="number" contextRef="c-9" decimals="2" name="us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" format="ixt:num-dot-decimal" scale="-2" id="f-2989">21</ix:nonFraction></ix:nonFraction></ix:nonFraction> percent primarily due to business tax credits and the impact of state taxes, net of federal benefit, for the years ended December 31, 2024, 2023, and 2022.</span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" id="f-2990" 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-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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2022</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%">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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:CurrentFederalTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-2991">181,132</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:CurrentFederalTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-2992">175,977</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:CurrentFederalTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-2993">205,954</ix:nonFraction>&#160;</span></td><td style="background-color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:CurrentStateAndLocalTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-2994">43,506</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:CurrentStateAndLocalTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-2995">44,152</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:CurrentStateAndLocalTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-2996">49,427</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:CurrentIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-2997">224,638</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:CurrentIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-2998">220,129</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:CurrentIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-2999">255,381</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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="us-gaap:DeferredFederalIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3000">19,032</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" sign="-" name="us-gaap:DeferredFederalIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3001">20,687</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" sign="-" name="us-gaap:DeferredFederalIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3002">75,978</ix:nonFraction>)</span></td><td style="background-color:#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%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3003">15,295</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" sign="-" name="us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3004">2,537</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" sign="-" name="us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3005">17,692</ix:nonFraction>)</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%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" sign="-" name="us-gaap:DeferredIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3006">34,327</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" sign="-" name="us-gaap:DeferredIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3007">23,224</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" sign="-" name="us-gaap:DeferredIncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3008">93,670</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"/></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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3009">190,311</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3010">196,905</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3011">161,711</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"/></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><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">72    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </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;text-align:center"><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:2.847%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.221%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><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:10pt;font-weight:700;line-height:100%">19.</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"/></tr></table></div></div><ix:continuation id="f-2970-2" continuedAt="f-2970-3"><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="c-1" name="us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" id="f-3012" 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 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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" format="ixt:num-dot-decimal" scale="3" id="f-3013">376,029</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" format="ixt:num-dot-decimal" scale="3" id="f-3014">354,412</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredTaxAssetsUnrealizedLossesOnTradingSecurities" format="ixt:num-dot-decimal" scale="3" id="f-3015">21,209</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredTaxAssetsUnrealizedLossesOnTradingSecurities" format="ixt:num-dot-decimal" scale="3" id="f-3016">24,176</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-3017">19,841</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-3018">16,297</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Unrecorded tax benefits</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="f-3019">12,008</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="f-3020">11,568</ix:nonFraction>&#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%">Research and development costs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredTaxAssetsInProcessResearchAndDevelopment" format="ixt:num-dot-decimal" scale="3" id="f-3021">38,119</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredTaxAssetsInProcessResearchAndDevelopment" format="ixt:num-dot-decimal" scale="3" id="f-3022">26,519</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" format="ixt:num-dot-decimal" scale="3" id="f-3023">12,885</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" format="ixt:num-dot-decimal" scale="3" id="f-3024">10,847</ix:nonFraction>&#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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredTaxAssetsGoodwillAndIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-3025">16,394</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredTaxAssetsGoodwillAndIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-3026">14,536</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredTaxAssetsOperatingLossCarryforwards" format="ixt:fixed-zero" scale="3" id="f-3027">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredTaxAssetsOperatingLossCarryforwards" scale="3" id="f-3028">26</ix:nonFraction>&#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"/></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:#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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:DeferredTaxAssetsOtherIncludingValuationAllowance" format="ixt:num-dot-decimal" scale="3" id="f-3029">1,785</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:DeferredTaxAssetsOtherIncludingValuationAllowance" format="ixt:num-dot-decimal" scale="3" id="f-3030">1,426</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 assets</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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredTaxAssetsNet" format="ixt:num-dot-decimal" scale="3" id="f-3031">498,270</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredTaxAssetsNet" format="ixt:num-dot-decimal" scale="3" id="f-3032">459,807</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"/></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%">Deferred tax 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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" format="ixt:num-dot-decimal" scale="3" id="f-3033">22,873</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" format="ixt:num-dot-decimal" scale="3" id="f-3034">15,908</ix:nonFraction>&#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%">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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="3" id="f-3035">7,708</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment" format="ixt:num-dot-decimal" scale="3" id="f-3036">8,533</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Federal deferred for state 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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="slm:DeferredTaxLiabilitiesFederalDeferredforStateReceivable" format="ixt:num-dot-decimal" scale="3" id="f-3037">1,908</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="slm:DeferredTaxLiabilitiesFederalDeferredforStateReceivable" format="ixt:num-dot-decimal" scale="3" id="f-3038">1,171</ix:nonFraction>&#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"/></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:#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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredTaxLiabilitiesOther" scale="3" id="f-3039">402</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredTaxLiabilitiesOther" scale="3" id="f-3040">614</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredIncomeTaxLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-3041">32,891</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredIncomeTaxLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-3042">26,226</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"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredTaxAssetsLiabilitiesNet" format="ixt:num-dot-decimal" scale="3" id="f-3043">465,379</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredTaxAssetsLiabilitiesNet" format="ixt:num-dot-decimal" scale="3" id="f-3044">433,581</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"/></tr></table></div></ix:nonNumeric><div style="margin-top:12pt;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="c-7" decimals="-6" name="us-gaap:OperatingLossCarryforwardsValuationAllowance" scale="6" id="f-3045">234</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:OperatingLossCarryforwardsValuationAllowance" scale="6" id="f-3046">223</ix:nonFraction> million as of December 31, 2024 and 2023, respectively. The Company has recorded a valuation allowance against these net operating losses of $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ValuationAllowanceDeferredTaxAssetChangeInAmount" format="ixt:num-dot-decimal" scale="6" id="f-3047">234</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ValuationAllowanceDeferredTaxAssetChangeInAmount" format="ixt:num-dot-decimal" scale="6" id="f-3048">223</ix:nonFraction>&#160;million, respectively. Also included in operating loss carryovers is a capital loss of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="slm:OperatingLossCarryforwardsCapitalLoss" format="ixt:num-dot-decimal" scale="6" id="f-3049">23</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="slm:OperatingLossCarryforwardsCapitalLoss" format="ixt:num-dot-decimal" scale="6" id="f-3050">18</ix:nonFraction>&#160;million as of December 31, 2024 and 2023, 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 are more likely than not to expire prior to being realized. Included in net unrealized losses is a valuation allowance of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="slm:CapitalLossValuationAllowance" format="ixt:num-dot-decimal" scale="6" id="f-3051">5</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="slm:CapitalLossValuationAllowance" format="ixt:num-dot-decimal" scale="6" id="f-3052">4</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-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, net unrealized losses 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, 2024, the state net operating loss carryforwards will begin to expire in 2029 and the capital losses will begin to expire 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 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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></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:95.000%"><tr><td style="width:1.0%"/><td style="width:2.847%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:94.221%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><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:10pt;font-weight:700;line-height:100%">19.</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"/></tr></table></div></div><div style="margin-top:14pt;text-indent:11.25pt"><span><br/></span></div><ix:continuation id="f-2970-3" continuedAt="f-2970-4"><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="c-1" name="us-gaap:ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock" id="f-3053" 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 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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2022</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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:UnrecognizedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="f-3054">68,123</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:UnrecognizedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="f-3055">79,366</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-17" decimals="-3" name="us-gaap:UnrecognizedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="f-3056">75,328</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" format="ixt:num-dot-decimal" scale="3" id="f-3057">1,232</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" format="ixt:num-dot-decimal" scale="3" id="f-3058">1,204</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" format="ixt:num-dot-decimal" scale="3" id="f-3059">6,049</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" format="ixt:num-dot-decimal" scale="3" id="f-3060">1,890</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" scale="3" id="f-3061">250</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" format="ixt:num-dot-decimal" scale="3" id="f-3062">1,327</ix:nonFraction>)</span></td><td style="background-color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" format="ixt:num-dot-decimal" scale="3" id="f-3063">3,218</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" format="ixt:num-dot-decimal" scale="3" id="f-3064">2,711</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" format="ixt:num-dot-decimal" scale="3" id="f-3065">11,032</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" format="ixt:num-dot-decimal" scale="3" id="f-3066">18,349</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" format="ixt:num-dot-decimal" scale="3" id="f-3067">10,089</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" format="ixt:num-dot-decimal" scale="3" id="f-3068">4,666</ix:nonFraction>)</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%">Reductions related to the lapse of statute of limitations</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" format="ixt:num-dot-decimal" scale="3" id="f-3069">3,927</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" format="ixt:num-dot-decimal" scale="3" id="f-3070">4,819</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" format="ixt:num-dot-decimal" scale="3" id="f-3071">7,050</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Unrecognized tax benefits at end of year</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:UnrecognizedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="f-3072">48,407</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:UnrecognizedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="f-3073">68,123</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-3" name="us-gaap:UnrecognizedTaxBenefits" format="ixt:num-dot-decimal" scale="3" id="f-3074">79,366</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"/></tr></table></div></ix:nonNumeric><div style="margin-top:12pt;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, 2024, the gross unrecognized tax benefits are $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:UnrecognizedTaxBenefits" scale="6" id="f-3075">48</ix:nonFraction> million. Included in the $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:UnrecognizedTaxBenefits" scale="6" id="f-3076">48</ix:nonFraction> million are $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" format="ixt:num-dot-decimal" scale="6" id="f-3077">39</ix:nonFraction>&#160;million of unrecognized tax benefits that, if recognized, would favorably impact the effective tax rate.</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, 2024, 2023, and 2022, 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="c-7" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued" scale="6" id="f-3078">11</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued" scale="6" id="f-3079">8</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued" scale="6" id="f-3080">8</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, 2024, 2023, and 2022, 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="c-1" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense" scale="6" id="f-3081">3</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense" scale="6" id="f-3082">2</ix:nonFraction> million, and $(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense" format="ixt:num-dot-decimal" scale="6" id="f-3083">2</ix:nonFraction>)&#160;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 2020 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:f-3084">three</span> to <span style="-sec-ix-hidden:f-3085">four</span> prior years). 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="f-2970-4">It is reasonably possible that the uncertain tax position reserve may decrease by as much as $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible" scale="6" id="f-3086">11</ix:nonFraction> million during the next 12 months due to the expiration of statutes of limitations. The reduction in the uncertain tax position reserve would be reflected as a tax benefit.</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><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">74    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_190"></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><br/></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%">20.    <ix:nonNumeric contextRef="c-1" name="us-gaap:ConcentrationRiskDisclosureTextBlock" id="f-3087" continuedAt="f-3087-1" escape="true">Concentrations of Risk </ix:nonNumeric></span><ix:continuation id="f-3087-1" continuedAt="f-3087-2"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></ix:continuation></div><ix:continuation id="f-3087-2" continuedAt="f-3087-3"><div style="margin-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 a number of risks, including, but not limited 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><div style="margin-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 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></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 Associated with Deposit Products</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 achieve our business goals, including funding our Private Education Loans, is heavily reliant on our ability to obtain deposits. We expect to compete for deposits based primarily on a combination of reputation, rate, and availability  of information about our deposit products. Our competitors, many of whom have greater financial resources or lower costs than we do, may be more effective in attracting new deposits and retaining existing deposits such as by offering more competitive rates, dedicating more resources for advertising, or engaging in more effective forms of marketing. </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="f-3087-3">At December 31, 2024, our brokered deposits represented <ix:nonFraction unitRef="number" contextRef="c-7" decimals="2" name="slm:BrokeredDepositPercent" format="ixt:num-dot-decimal" scale="-2" id="f-3088">45</ix:nonFraction> percent of our total deposits. Brokered deposits may be more price sensitive than other types of deposits and may become less available if alternative investments offer higher returns. In addition, our ability to maintain existing balances of all deposit types or obtain additional deposits of any type 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, general economic conditions, including high unemployment and decreased savings rates, and adverse developments in the financial services industry generally. 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.</ix:continuation> </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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-75</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_193"></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><br/></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">21.    <ix:nonNumeric contextRef="c-1" name="us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" id="f-3089" continuedAt="f-3089-1" escape="true">Parent Only Statements</ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-3089-1" continuedAt="f-3089-2"><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><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedBalanceSheetTableTextBlock" id="f-3090" escape="true"><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:81.250%"><tr><td style="width:1.0%"/><td style="width:69.156%"/><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:12.575%"/><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:12.577%"/><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, except share and per share amounts)</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2023</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%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-3091">391,481</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-3092">237,857</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="slm:InvestmentinSubsidiary" format="ixt:num-dot-decimal" scale="3" id="f-3093">2,773,211</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="slm:InvestmentinSubsidiary" format="ixt:num-dot-decimal" scale="3" id="f-3094">2,628,838</ix:nonFraction>&#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"/></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:#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%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="slm:DuefromSubsidiaresNet" format="ixt:num-dot-decimal" scale="3" id="f-3095">43,556</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="slm:DuefromSubsidiaresNet" format="ixt:num-dot-decimal" scale="3" id="f-3096">63,679</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="f-3097">2,165</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="3" id="f-3098">2,270</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="f-3099">3,210,413</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="3" id="f-3100">2,932,644</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"/></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="display:none"/><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%">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%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-3101">995,420</ix:nonFraction>&#160;</span></td><td style="background-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%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="3" id="f-3102">992,200</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:TaxesPayableCurrentAndNoncurrent" format="ixt:num-dot-decimal" scale="3" id="f-3103">22,440</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:TaxesPayableCurrentAndNoncurrent" format="ixt:num-dot-decimal" scale="3" id="f-3104">26,701</ix:nonFraction>&#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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:OtherLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-3105">32,633</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:OtherLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-3106">32,946</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 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%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:Liabilities" format="ixt:num-dot-decimal" scale="3" id="f-3107">1,050,493</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:Liabilities" format="ixt:num-dot-decimal" scale="3" id="f-3108">1,051,847</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"/></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"/></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%">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"/></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="c-489" decimals="2" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="f-3109"><ix:nonFraction unitRef="usdPerShare" contextRef="c-490" decimals="2" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="f-3110">0.20</ix:nonFraction></ix:nonFraction> per share, <ix:nonFraction unitRef="shares" contextRef="c-489" decimals="-6" name="us-gaap:PreferredStockSharesAuthorized" scale="6" id="f-3111"><ix:nonFraction unitRef="shares" contextRef="c-490" decimals="-6" name="us-gaap:PreferredStockSharesAuthorized" scale="6" id="f-3112">20</ix:nonFraction></ix:nonFraction> million shares authorized:</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"/></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="c-491" decimals="-5" name="us-gaap:PreferredStockSharesIssued" scale="6" id="f-3113">2.5</ix:nonFraction> million and <ix:nonFraction unitRef="shares" contextRef="c-492" decimals="-5" name="us-gaap:PreferredStockSharesIssued" scale="6" id="f-3114">2.5</ix:nonFraction> million shares issued, respectively, at stated value of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-491" decimals="INF" name="us-gaap:PreferredStockLiquidationPreference" scale="0" id="f-3115"><ix:nonFraction unitRef="usdPerShare" contextRef="c-492" decimals="INF" name="us-gaap:PreferredStockLiquidationPreference" scale="0" id="f-3116">100</ix:nonFraction></ix:nonFraction> per share</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%"><ix:nonFraction unitRef="usd" contextRef="c-491" decimals="-3" name="us-gaap:PreferredStockValue" format="ixt:num-dot-decimal" scale="3" id="f-3117">251,070</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-492" decimals="-3" name="us-gaap:PreferredStockValue" format="ixt:num-dot-decimal" scale="3" id="f-3118">251,070</ix:nonFraction>&#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:9pt;font-weight:400;line-height:100%">Common stock, par value $<ix:nonFraction unitRef="usdPerShare" contextRef="c-489" decimals="2" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="f-3119"><ix:nonFraction unitRef="usdPerShare" contextRef="c-490" decimals="2" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="f-3120">0.20</ix:nonFraction></ix:nonFraction> per share, <ix:nonFraction unitRef="shares" contextRef="c-489" decimals="-6" name="us-gaap:CommonStockSharesAuthorized" scale="9" id="f-3121"><ix:nonFraction unitRef="shares" contextRef="c-490" decimals="-6" name="us-gaap:CommonStockSharesAuthorized" scale="9" id="f-3122">1.125</ix:nonFraction></ix:nonFraction> billion shares authorized: <ix:nonFraction unitRef="shares" contextRef="c-489" decimals="-5" name="us-gaap:CommonStockSharesIssued" scale="6" id="f-3123">440.6</ix:nonFraction> million and <ix:nonFraction unitRef="shares" contextRef="c-490" decimals="-5" name="us-gaap:CommonStockSharesIssued" scale="6" id="f-3124">438.2</ix:nonFraction> million shares issued, 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%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:CommonStockValue" format="ixt:num-dot-decimal" scale="3" id="f-3125">88,121</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:CommonStockValue" format="ixt:num-dot-decimal" scale="3" id="f-3126">87,647</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Additional paid-in capital</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:AdditionalPaidInCapital" format="ixt:num-dot-decimal" scale="3" id="f-3127">1,193,753</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:AdditionalPaidInCapital" format="ixt:num-dot-decimal" scale="3" id="f-3128">1,148,689</ix:nonFraction>&#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:9pt;font-weight:400;line-height:100%">Accumulated other comprehensive loss (net of tax benefit of $(<ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" sign="-" name="us-gaap:AociTaxAttributableToParent" format="ixt:num-dot-decimal" scale="3" id="f-3129">21,209</ix:nonFraction>) and $(<ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:AociTaxAttributableToParent" format="ixt:num-dot-decimal" scale="3" id="f-3130">24,176</ix:nonFraction>), 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%">(<ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" sign="-" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-3131">65,861</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" sign="-" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-3132">75,104</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Retained earnings</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="f-3133">4,114,446</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="3" id="f-3134">3,624,859</ix:nonFraction>&#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 SLM Corporation stockholders&#8217; equity before treasury stock</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%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock" format="ixt:num-dot-decimal" scale="3" id="f-3135">5,581,529</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock" format="ixt:num-dot-decimal" scale="3" id="f-3136">5,037,161</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"/></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="c-489" decimals="-5" name="us-gaap:TreasuryStockCommonShares" scale="6" id="f-3137">230.2</ix:nonFraction> million and <ix:nonFraction unitRef="shares" contextRef="c-490" decimals="-5" name="us-gaap:TreasuryStockCommonShares" scale="6" id="f-3138">217.9</ix:nonFraction> million shares, 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%">(<ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:TreasuryStockCommonValue" format="ixt:num-dot-decimal" scale="3" id="f-3139">3,421,609</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:TreasuryStockCommonValue" format="ixt:num-dot-decimal" scale="3" id="f-3140">3,156,364</ix:nonFraction>)</span></td><td style="background-color:#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 equity</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%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-3141">2,159,920</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" format="ixt:num-dot-decimal" scale="3" id="f-3142">1,880,797</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"/></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 style="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="c-489" decimals="-3" name="us-gaap:LiabilitiesAndStockholdersEquity" format="ixt:num-dot-decimal" scale="3" id="f-3143">3,210,413</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:LiabilitiesAndStockholdersEquity" format="ixt:num-dot-decimal" scale="3" id="f-3144">2,932,644</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"/></tr></table></div></ix:nonNumeric></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="margin-top:6pt;text-align:center"><span><br/></span></div><div style="margin-top:6pt;text-align:center"><span><br/></span></div><div style="margin-top:6pt;text-align:center"><span><br/></span></div><div style="margin-top:6pt;text-align:center"><span><br/></span></div><div style="margin-top:6pt;text-align:center"><span><br/></span></div><div style="margin-top:6pt;text-align:center;text-indent:22.5pt"><span><br/></span></div><div style="margin-top:6pt;text-align:center;text-indent:22.5pt"><span><br/></span></div><div style="margin-top:6pt;text-align:center;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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">76    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div><div><span><br/></span></div><div><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 style="width:3.438%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:93.629%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.533%"/><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: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%">Parent Only Statements (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="margin-top:6pt;text-align:center;text-indent:22.5pt"><span><br/></span></div><ix:continuation id="f-3089-2" continuedAt="f-3089-3"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:14pt;font-weight:400;line-height:120%">&#160;</span><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedIncomeStatementTableTextBlock" id="f-3145" escape="true"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:74.027%"><tr><td style="width:1.0%"/><td style="width:49.931%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.113%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.113%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.909%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.113%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.912%"/><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: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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2022</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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:InterestAndDividendIncomeOperating" format="ixt:num-dot-decimal" scale="3" id="f-3146">11,660</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 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:InterestAndDividendIncomeOperating" format="ixt:num-dot-decimal" scale="3" id="f-3147">9,334</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:InterestAndDividendIncomeOperating" format="ixt:num-dot-decimal" scale="3" id="f-3148">4,084</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:InterestExpenseOperating" format="ixt:num-dot-decimal" scale="3" id="f-3149">39,855</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:InterestExpenseOperating" format="ixt:num-dot-decimal" scale="3" id="f-3150">39,850</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:InterestExpenseOperating" format="ixt:num-dot-decimal" scale="3" id="f-3151">39,860</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">(<ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" sign="-" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="f-3152">28,195</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" sign="-" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="f-3153">30,516</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="3" id="f-3154">35,776</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"/></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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="slm:NonInterestIncomeLoss" scale="3" id="f-3155">114</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" sign="-" name="slm:NonInterestIncomeLoss" format="ixt:num-dot-decimal" scale="3" id="f-3156">2,701</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="slm:NonInterestIncomeLoss" format="ixt:num-dot-decimal" scale="3" id="f-3157">5,117</ix:nonFraction>)</span></td><td style="background-color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-3158">62,696</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-3159">61,958</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-3160">55,466</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Loss before income tax benefit and equity in net income from subsidiaries</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%">(<ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" sign="-" name="slm:IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" format="ixt:num-dot-decimal" scale="3" id="f-3161">90,777</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" sign="-" name="slm:IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" format="ixt:num-dot-decimal" scale="3" id="f-3162">95,175</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="slm:IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" format="ixt:num-dot-decimal" scale="3" id="f-3163">96,359</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" sign="-" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3164">7,117</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" sign="-" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3165">6,942</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:num-dot-decimal" scale="3" id="f-3166">10,351</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Equity in net income from 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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:IncomeLossFromSubsidiariesNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-3167">691,985</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:IncomeLossFromSubsidiariesNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-3168">669,624</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:IncomeLossFromSubsidiariesNetOfTax" format="ixt:num-dot-decimal" scale="3" id="f-3169">555,022</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-3170">608,325</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-3171">581,391</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-3172">469,014</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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="f-3173">18,296</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="f-3174">17,705</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" format="ixt:num-dot-decimal" scale="3" id="f-3175">9,029</ix:nonFraction>&#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 attributable to SLM Corporation common stock</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="f-3176">590,029</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="f-3177">563,686</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" format="ixt:num-dot-decimal" scale="3" id="f-3178">459,985</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"/></tr></table></ix:nonNumeric></div></ix:continuation><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 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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">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><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.861%"><tr><td style="width:1.0%"/><td style="width:3.438%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:93.629%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.533%"/><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: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%">Parent Only Statements (Continued)</span></td><td colspan="3" style="padding:0 1pt"/></tr></table></div></div><div style="text-align:center;text-indent:22.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedCashFlowStatementTableTextBlock" id="f-3179" escape="true"><ix:continuation id="f-3089-3"><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: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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2022</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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-3180">608,325</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-3181">581,391</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:ProfitLoss" format="ixt:num-dot-decimal" scale="3" id="f-3182">469,014</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="slm:Undistributedearningsofsubsidiaries" format="ixt:num-dot-decimal" scale="3" id="f-3183">691,985</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="slm:Undistributedearningsofsubsidiaries" format="ixt:num-dot-decimal" scale="3" id="f-3184">669,624</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="slm:Undistributedearningsofsubsidiaries" format="ixt:num-dot-decimal" scale="3" id="f-3185">555,022</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:ProceedsFromDividendsReceived" format="ixt:num-dot-decimal" scale="3" id="f-3186">569,500</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:ProceedsFromDividendsReceived" format="ixt:num-dot-decimal" scale="3" id="f-3187">550,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:ProceedsFromDividendsReceived" format="ixt:num-dot-decimal" scale="3" id="f-3188">699,500</ix:nonFraction>&#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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="slm:InterestIncomeonTaxIndemnificationReceivable" format="ixt:fixed-zero" scale="3" id="f-3189">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" sign="-" name="slm:InterestIncomeonTaxIndemnificationReceivable" format="ixt:num-dot-decimal" scale="3" id="f-3190">2,816</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="slm:InterestIncomeonTaxIndemnificationReceivable" format="ixt:num-dot-decimal" scale="3" id="f-3191">5,231</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="slm:AmortizationOfABCPUpfrontLoanFees" format="ixt:num-dot-decimal" scale="3" id="f-3192">2,647</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="slm:AmortizationOfABCPUpfrontLoanFees" format="ixt:num-dot-decimal" scale="3" id="f-3193">2,643</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="slm:AmortizationOfABCPUpfrontLoanFees" format="ixt:num-dot-decimal" scale="3" id="f-3194">2,651</ix:nonFraction>&#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%">Amortization of discount on unsecured 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%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:AmortizationOfDebtDiscountPremium" scale="3" id="f-3195">573</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:AmortizationOfDebtDiscountPremium" scale="3" id="f-3196">571</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:AmortizationOfDebtDiscountPremium" scale="3" id="f-3197">571</ix:nonFraction>&#160;</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%">Acquisition related costs</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:BusinessCombinationAcquisitionRelatedCosts" format="ixt:fixed-zero" scale="3" id="f-3198">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:BusinessCombinationAcquisitionRelatedCosts" scale="3" id="f-3199">952</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:BusinessCombinationAcquisitionRelatedCosts" format="ixt:num-dot-decimal" scale="3" id="f-3200">2,603</ix:nonFraction>&#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%">(Increase) 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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="slm:DecreaseIncreaseInInvestmentsInSubsidiariesNet" format="ixt:num-dot-decimal" scale="3" id="f-3201">27,350</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="slm:DecreaseIncreaseInInvestmentsInSubsidiariesNet" format="ixt:num-dot-decimal" scale="3" id="f-3202">35,654</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="slm:DecreaseIncreaseInInvestmentsInSubsidiariesNet" format="ixt:num-dot-decimal" scale="3" id="f-3203">9,179</ix:nonFraction>)</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%">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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" sign="-" name="slm:IncreaseDecreaseinDuefromSubsidiariesNet" format="ixt:num-dot-decimal" scale="3" id="f-3204">20,123</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" sign="-" name="slm:IncreaseDecreaseinDuefromSubsidiariesNet" format="ixt:num-dot-decimal" scale="3" id="f-3205">36,864</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="slm:IncreaseDecreaseinDuefromSubsidiariesNet" format="ixt:num-dot-decimal" scale="3" id="f-3206">5,124</ix:nonFraction>&#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%">(<ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" format="ixt:num-dot-decimal" scale="3" id="f-3207">14,265</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" format="ixt:num-dot-decimal" scale="3" id="f-3208">13,422</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" format="ixt:num-dot-decimal" scale="3" id="f-3209">20,533</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">(<ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" sign="-" name="slm:IncreaseDecreaseinincometaxpayabletorelatedparty" format="ixt:num-dot-decimal" scale="3" id="f-3210">4,261</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="slm:IncreaseDecreaseinincometaxpayabletorelatedparty" scale="3" id="f-3211">490</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="slm:IncreaseDecreaseinincometaxpayabletorelatedparty" format="ixt:num-dot-decimal" scale="3" id="f-3212">8,713</ix:nonFraction>)</span></td><td style="background-color:#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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:IncreaseDecreaseInDueToRelatedParties" format="ixt:fixed-zero" scale="3" id="f-3213">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:IncreaseDecreaseInDueToRelatedParties" format="ixt:fixed-zero" scale="3" id="f-3214">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInDueToRelatedParties" scale="3" id="f-3215">101</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-3216">1,053</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-3217">3,442</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" format="ixt:num-dot-decimal" scale="3" id="f-3218">1,836</ix:nonFraction>)</span></td><td style="background-color:#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%">(<ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" sign="-" name="us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-3219">89,265</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" sign="-" name="us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-3220">56,498</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-3221">120,296</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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-3222">519,060</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-3223">524,893</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-3224">589,310</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"/></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%">Purchase of subsidiary, net of cash acquired</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-3" name="us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates" format="ixt:fixed-zero" scale="3" id="f-3225">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-3" name="us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates" format="ixt:num-dot-decimal" scale="3" id="f-3226">14,654</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-3" name="us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates" format="ixt:num-dot-decimal" scale="3" id="f-3227">127,654</ix:nonFraction>)</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%">Net cash used in 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:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:fixed-zero" scale="3" id="f-3228">&#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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="3" id="f-3229">14,654</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="3" id="f-3230">127,654</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"/></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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:fixed-zero" scale="3" id="f-3231">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" format="ixt:fixed-zero" scale="3" id="f-3232">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:PaymentsOfDebtIssuanceCosts" scale="3" id="f-3233">375</ix:nonFraction>)</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="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><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:#ededee;padding:2px 1pt;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:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:PaymentsOfDividendsCommonStock" format="ixt:num-dot-decimal" scale="3" id="f-3234">99,172</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:PaymentsOfDividendsCommonStock" format="ixt:num-dot-decimal" scale="3" id="f-3235">101,233</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:PaymentsOfDividendsCommonStock" format="ixt:num-dot-decimal" scale="3" id="f-3236">112,961</ix:nonFraction>)</span></td><td style="background-color:#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%">Preferred 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%">(<ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:PaymentsOfDividends" format="ixt:num-dot-decimal" scale="3" id="f-3237">18,296</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:PaymentsOfDividends" format="ixt:num-dot-decimal" scale="3" id="f-3238">17,705</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:PaymentsOfDividends" format="ixt:num-dot-decimal" scale="3" id="f-3239">9,029</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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%">Common stock repurchased</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="3" id="f-3240">247,968</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="3" id="f-3241">350,264</ix:nonFraction>)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:num-dot-decimal" scale="3" id="f-3242">713,197</ix:nonFraction>)</span></td><td style="background-color:#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 cash used in financing activities</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%">(<ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="3" id="f-3243">365,436</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="3" id="f-3244">469,202</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="3" id="f-3245">835,562</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"/></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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:#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%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" format="ixt:num-dot-decimal" scale="3" id="f-3246">153,624</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-3" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" format="ixt:num-dot-decimal" scale="3" id="f-3247">41,037</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 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%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-3" sign="-" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" format="ixt:num-dot-decimal" scale="3" id="f-3248">373,906</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-3249">237,857</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-496" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-3250">196,820</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-497" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-3251">570,726</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 end of year</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-3252">391,481</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-3253">237,857</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-496" decimals="-3" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="3" id="f-3254">196,820</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"/></tr></table></div></ix:continuation></ix:nonNumeric><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><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">78    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_1649267443690"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></span></div></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:700;line-height:120%">22.    <ix:nonNumeric contextRef="c-1" name="us-gaap:SegmentReportingDisclosureTextBlock" id="f-3255" continuedAt="f-3255-1" escape="true">Segment Reporting</ix:nonNumeric></span></div><ix:continuation id="f-3255-1"><div style="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 Company is managed as a single line of business with a single reportable segment originating and servicing high-quality Private Education Loans and providing other education-related services to customers. Our consolidated financial results are regularly reviewed by the Company&#8217;s Chief Executive Officer (the &#8220;CEO&#8221;) to allocate resources and evaluate financial 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%">The CEO evaluates the performance of the Company and decides how to allocate resources based on net income and total consolidated assets. The CEO uses net income to assess financial performance and to decide whether to re-invest profits into the Company or to return capital to shareholders in the form of dividends or the repurchase of common stock. Net income is also used to compare budget versus actual results, and the budget versus actual analysis is part of the segment financial performance review. </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock" id="f-3256" 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 illustrates the significant expense categories and amounts regularly provided to the CEO.</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:89.166%"><tr><td style="width:1.0%"/><td style="width:54.974%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.890%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.451%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.890%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.451%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.890%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.454%"/><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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;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%">2022</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%">Non-interest expenses:</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 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%">Compensation and benefits</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%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-3" name="us-gaap:LaborAndRelatedExpense" format="ixt:num-dot-decimal" scale="3" id="f-3257">349,387</ix:nonFraction>&#160;</span></td><td style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-3" name="us-gaap:LaborAndRelatedExpense" format="ixt:num-dot-decimal" scale="3" id="f-3258">326,554</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-3" name="us-gaap:LaborAndRelatedExpense" format="ixt:num-dot-decimal" scale="3" id="f-3259">270,354</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">Professional 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%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-3" name="us-gaap:ProfessionalFees" format="ixt:num-dot-decimal" scale="3" id="f-3260">129,472</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-3" name="us-gaap:ProfessionalFees" format="ixt:num-dot-decimal" scale="3" id="f-3261">145,062</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-3" name="us-gaap:ProfessionalFees" format="ixt:num-dot-decimal" scale="3" id="f-3262">164,226</ix:nonFraction>&#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%">Technology 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%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-3" name="us-gaap:InformationTechnologyAndDataProcessing" format="ixt:num-dot-decimal" scale="3" id="f-3263">57,431</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-3" name="us-gaap:InformationTechnologyAndDataProcessing" format="ixt:num-dot-decimal" scale="3" id="f-3264">54,942</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-3" name="us-gaap:InformationTechnologyAndDataProcessing" format="ixt:num-dot-decimal" scale="3" id="f-3265">48,561</ix:nonFraction>&#160;</span></td><td style="background-color:#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%">FDIC assessment 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%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-3" name="us-gaap:FederalDepositInsuranceCorporationPremiumExpense" format="ixt:num-dot-decimal" scale="3" id="f-3266">51,606</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-3" name="us-gaap:FederalDepositInsuranceCorporationPremiumExpense" format="ixt:num-dot-decimal" scale="3" id="f-3267">45,766</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;padding:0 1pt"/><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-3" name="us-gaap:FederalDepositInsuranceCorporationPremiumExpense" format="ixt:num-dot-decimal" scale="3" id="f-3268">20,939</ix:nonFraction>&#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%">Other operating 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%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-3" name="us-gaap:OtherExpenses" format="ixt:num-dot-decimal" scale="3" id="f-3269">48,674</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-3" name="us-gaap:OtherExpenses" format="ixt:num-dot-decimal" scale="3" id="f-3270">46,882</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-3" name="us-gaap:OtherExpenses" format="ixt:num-dot-decimal" scale="3" id="f-3271">47,382</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-3" name="us-gaap:OperatingExpenses" format="ixt:num-dot-decimal" scale="3" id="f-3272">636,570</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-3" name="us-gaap:OperatingExpenses" format="ixt:num-dot-decimal" scale="3" id="f-3273">619,206</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-3" name="us-gaap:OperatingExpenses" format="ixt:num-dot-decimal" scale="3" id="f-3274">551,462</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"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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 impairment and amortization 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%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-3" name="slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-3275">5,329</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-3" name="slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-3276">66,364</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-3" name="slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" format="ixt:num-dot-decimal" scale="3" id="f-3277">7,779</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;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 non-interest expenses</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-3278">641,899</ix:nonFraction>&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-3279">685,570</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 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%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-3" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="3" id="f-3280">559,241</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"/></tr></table></div></ix:nonNumeric></ix:continuation><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%">2024 Form 10-K &#8212;</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:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-79</span></div></div></div><div id="idb53689b710946c1b3ee3e39899ac732_199"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div><span><br/></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="c-1" name="us-gaap:SubsequentEventsTextBlock" id="f-3281" continuedAt="f-3281-1" escape="true">Subsequent Events</ix:nonNumeric></span></div><ix:continuation id="f-3281-1"><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%">Unsecured Debt</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%">On January 31, 2025, we issued $<ix:nonFraction unitRef="usd" contextRef="c-325" decimals="-6" name="us-gaap:DebtInstrumentFaceAmount" scale="6" id="f-3282">500</ix:nonFraction> million of <ix:nonFraction unitRef="number" contextRef="c-325" decimals="5" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" format="ixt:num-dot-decimal" scale="-2" id="f-3283">6.50</ix:nonFraction> percent unsecured Senior Notes due January 31, 2030.</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%">On February 18, 2025, we redeemed $<ix:nonFraction unitRef="usd" contextRef="c-501" decimals="-6" name="us-gaap:RepaymentsOfLongTermDebt" scale="6" id="f-3284">500</ix:nonFraction> million of the <ix:nonFraction unitRef="number" contextRef="c-502" decimals="5" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" format="ixt:num-dot-decimal" scale="-2" id="f-3285">4.20</ix:nonFraction> percent unsecured Senior Notes due October 29, 2025. The Senior Notes were redeemed at <ix:nonFraction unitRef="number" contextRef="c-501" decimals="5" name="us-gaap:DebtInstrumentRedemptionPricePercentage" format="ixt:num-dot-decimal" scale="-2" id="f-3286">100</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 will recognize a loss of approximately $<ix:nonFraction unitRef="usd" contextRef="c-501" decimals="-6" sign="-" name="us-gaap:GainsLossesOnExtinguishmentOfDebt" scale="6" id="f-3287">1</ix:nonFraction> million on the transaction in the first-quarter 2025 consolidated statements of income. </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%">2025 Loan Sales</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%">On February 6, 2025, we sold approximately $<ix:nonFraction unitRef="usd" contextRef="c-503" decimals="-8" name="us-gaap:FinancingReceivableSale" format="ixt:num-dot-decimal" scale="9" id="f-3288">2.0</ix:nonFraction>&#160;billion of our Private Education Loans, including $<ix:nonFraction unitRef="usd" contextRef="c-503" decimals="-8" name="slm:FinancingReceivableSalePrincipal" format="ixt:num-dot-decimal" scale="9" id="f-3289">1.8</ix:nonFraction>&#160;billion in principal, $<ix:nonFraction unitRef="usd" contextRef="c-503" decimals="-6" name="slm:FinancingReceivableSaleCapitalizedInterest" format="ixt:num-dot-decimal" scale="6" id="f-3290">163</ix:nonFraction>&#160;million in capitalized interest and $<ix:nonFraction unitRef="usd" contextRef="c-503" decimals="-6" name="slm:FinancingReceivableSaleAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-3291">10</ix:nonFraction>&#160;million in accrued interest, to an unaffiliated third party. The gain on sale of loans sold expressed as a percentage was in the high single-digits and will be recognized in the first-quarter 2025 consolidated statements of income. The transaction qualified for sale treatment and removed the balance of the loans from our balance sheet on the settlement date. We will continue to service these loans pursuant to the terms of the applicable transaction documents.</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:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">F-</span><span style="color:#144f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">80    </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-style:italic;font-weight:400;line-height:120%">&#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:#000000;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">2024 Form 10-K</span><span style="color:#134f82;font-family:'Arial Narrow',sans-serif;font-size:11pt;font-weight:700;line-height:120%">    </span></div></div></div></body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-19.1
<SEQUENCE>2
<FILENAME>slmex1912024.htm
<DESCRIPTION>EX-19.1
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2025 Workiva -->
<title>Document</title></head><body><div id="i7c1c76198e2544afb00d6144f22861a2_1"></div><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">EXHIBIT 19.1</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">SECURITIES TRADING POLICY</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">1.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">PURPOSE</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">This document describes the policy of SLM Corporation and its subsidiaries (collectively, the &#8220;Company&#8221;) regarding trading, and causing the trading of, the Company's securities or securities of certain other companies while in possession of confidential information, including, but not limited to, the manner and window in which the Company, Board members, senior management, and other persons who have frequent access to material nonpublic information may trade the Company&#8217;s stock or other securities, including debt securities.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">This Securities Trading Policy (this &#8220;Policy&#8221;) is divided into two parts.  The first part prohibits trading in certain circumstances and applies to all directors, officers, and employees of the Company, and their respective immediate family members, as well as the Company itself.  The first part also imposes special additional trading restrictions on Insiders and Covered Persons (both as hereinafter defined).  The second part relates to various administrative and procedural matters.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Under this Policy, each of the following is a &#8220;Covered Person&#8221;&#58; (i) members of the Board of Directors of the Company&#59; (ii) members of the Company&#8217;s Executive Committee&#59; (iii) officers of the Company and&#47;or Sallie Mae Bank at the level of Senior Vice President and above&#59; and (iv) other officers and employees in the Investor Relations, Legal, Controllers, Audit, Risk, Corporate Finance, and other Departments who have responsibilities that give them access to material nonpublic information.  Members of the Board of Directors of the Company, together with all officers at the level of Executive Vice President and above, and officers designated as &#8220;officer&#8221; pursuant to Section 16 of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), are each referred to in this Policy as an &#8220;Insider.&#8221;  All individuals who are Covered Persons and&#47;or Insiders are notified of such designation by the Corporate Secretary&#8217;s office, which maintains the list of Covered Persons and Insiders.  </font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">2.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">BACKGROUND</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">One of the principal purposes of the federal securities laws is to prohibit so-called &#8220;insider trading.&#8221; Simply stated, insider trading occurs when a person, in breach of a fiduciary duty or other relationship of trust and confidence, uses material nonpublic information to make decisions to purchase, sell, give away, or otherwise transact in the company's securities or the securities of certain other companies, either in the open market or in private transactions, or to provide that information to others. </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 1 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The prohibitions against insider trading apply to trades, tips, and recommendations - either by revealing material nonpublic information concerning a company, its customers, suppliers, partners, competitors, or other companies with which the company has contractual relationships or may be negotiating transactions to others who may use it in trading, or by giving others recommendations to buy or sell based upon such information - by virtually any person, including all persons associated with a company, if the information involved is &#8220;material&#8221; and &#8220;nonpublic.&#8221;  These terms are discussed in this Policy under Part I, Section 2.0 and defined in Part II, Section 3.0 below.  It should be noted that the federal securities laws also prohibit the receiver of tips, the &#8220;tippee,&#8221; from acting on that corporate information.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Violations of insider trading laws can result in severe consequences, including civil and criminal penalties, and disciplinary action by a company up to and including termination of employment or board service.  See Part I, Section 7.0 for more information regarding the repercussions of such violations by persons subject to this Policy.</font></div><div><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><td colspan="3" style="padding:2px 2.38pt;text-align:center;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:100%">PART I</font></td></tr></table></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">1.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt"> APPLICABILITY</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">This Policy applies to all trading or other transactions in (i) the Company's securities, including common stock, preferred stock, options, and any other securities that the Company may issue, such as notes, bonds, and convertible securities, as well as derivative securities relating to any of the Company's securities, whether or not issued by the Company (collectively, &#8220;Company securities&#8221;), and (ii) the securities of certain other companies, including common stock, options, and other securities issued by those companies, as well as derivative securities relating to any of those companies' securities, where the information obtained while working for the Company could be considered material nonpublic information with respect to those other companies.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">This Policy applies to the Company itself and to all employees and officers of the Company, all members of the Company's Board of Directors, and the respective immediate family members (as described in Part II, Section 3.0 below) of the above.  It also applies to certain partnerships in which the employees, officers, or Board members are partners, certain trusts of which the employees, officers, or Board members are trustees, and certain estates for which the employees, officers, or Board members serve as executors (the &#8220;Controlled Entities&#8221;).</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 2 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">2.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">GENERAL POLICY</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:5.8pt;text-decoration:underline">No Trading Or Causing Trading While In Possession Of Material Nonpublic Information.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.69pt">Neither the Company, nor any director, officer, or employee of the Company, nor any of their immediate family members or Controlled Entities, may purchase,  sell, or gift, or offer to purchase, sell, or gift, on their own behalf, on behalf of the Company, or on behalf of someone else, any Company security, whether or not issued by the Company, while in possession of material nonpublic information about the Company.  Information is regarded as &#8220;material&#8221; if there is a substantial likelihood that a reasonable investor would consider it important in making an investment decision.  Regarding &#8220;public&#8221; versus &#8220;nonpublic&#8221; information, the fact that information has been disclosed to a few members of the public does not make it public for insider trading purposes. To be &#8220;public&#8221; the information must have been disseminated in a manner designed to reach investors generally, and the investors must be given the opportunity to absorb the information. Even after public disclosure of information about the Company, Covered Persons must wait until the trading window (as discussed in Part I, Section 3.0 below) has been opened in accordance with this Policy before they can treat the information as public for trading purposes.  See Part II, Section 3.0 below for more detailed definitions of &#8220;material&#8221; and &#8220;nonpublic.&#8221;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.36pt">No director, officer, or employee of the Company, nor any of their immediate family members, who knows of any material nonpublic information about the Company may communicate that information to &#8220;tip&#8221; any other person, including family members and friends, or otherwise disclose such information without the Company&#8217;s authorization.</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(iii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:0.03pt">No director, officer, or employee of the Company, nor any of their immediate family members or Controlled Entities, may purchase, sell, or gift, on their own behalf, on behalf of the Company, or on behalf of someone else, any security of any other company while in possession of material nonpublic information about the other company that was obtained in the course of the director, officer, or employee&#8217;s involvement with the Company. No director, officer, or employee of the Company, nor any of their immediate family members, who knows of any such material nonpublic information about the other company may communicate that information to, or tip, any other person, including family members and friends, or otherwise disclose such information without the Company's authorization.</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(iv)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:0.69pt">For compliance purposes, persons subject to this Policy should never trade, tip, gift, or recommend securities (or otherwise cause the purchase or sale of securities) while in possession of information that they have reason to believe may be material and nonpublic </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 3 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">unless he or she first consults with, and obtains the advance approval of, the Company&#8217;s Chief Legal, Government Affairs and Communications Officer (the &#8220;General Counsel&#8221;) and&#47;or any member of the Legal Department designated by the General Counsel who is knowledgeable about Securities and Exchange Commission (&#8220;SEC&#8221;) rules and regulations (a &#8220;GC Designee&#8221;).  If there is any doubt whether information is material and nonpublic, persons subject to this Policy should contact the General Counsel or a GC Designee or the information should be treated as material.</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(v)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">Insiders must &#8220;pre-clear&#8221; all trading in securities of the Company in accordance with the procedures set forth in Part I, Section 4.0 below.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:5.18pt;text-decoration:underline">Post-Exit Transactions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">  If a person is aware of material nonpublic information when he or she terminates service to the Company (whether as a Company Board member, officer, or other employee), the person may not trade in Company securities until that information has become public or is no longer material.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:5.8pt;text-decoration:underline">Exceptions.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The trading restrictions of this Policy do not apply to the following (except as noted)&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.69pt;text-decoration:underline">401(k) Plan.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> Automatically invested 401(k) plan contributions in a Company stock fund, if applicable, in accordance with the terms of the Company's 401(k) plan. However, any enrollment in and&#47;or changes in a 401(k) plan investment election regarding the Company&#8217;s stock are subject to trading restrictions under this Policy.</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.36pt;text-decoration:underline">Dividend Reinvestment.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> Purchasing Company stock through periodic, automatic dividend reinvestments under a dividend reinvestment plan. However, electing to enroll in a dividend reinvestment plan, making any changes in elections under the dividend reinvestment plan, and selling any Company stock acquired under the dividend reinvestment plan are subject to trading restrictions under this Policy.</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(iii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:0.03pt;text-decoration:underline">ESPP.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> Enrolling in and purchasing Company stock through periodic, automatic payroll contributions to the Company's Employee Stock Purchase Plan (&#8220;ESPP&#8221;). However, any changes in ESPP elections are subject to the restrictions of this Policy (e.g., Covered Persons may not make changes to their ESPP elections during a blackout period, and no ESPP participants are permitted to make changes while in possession of material nonpublic information).</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(iv)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:0.69pt;text-decoration:underline">Options and PSUs&#47;RSUs&#47;RSAs.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> The exercise of stock options (by paying cash) that were granted under an employee benefit plan of the Company, or the issuance of Company stock upon the vesting of performance stock units (&#8220;PSUs&#8221;), restricted stock units (&#8220;RSUs&#8221;), and restricted stock awards (&#8220;RSAs&#8221;). However, the sale by an individual of </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 4 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">any shares issued on the vesting of PSUs, RSUs, or RSAs and the cashless exercise of Company-granted stock options are subject to trading restrictions under this Policy.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">3.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">TRADING WINDOW</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Covered Persons, as well as any Covered Person&#8217;s spouse, minor children and other persons living in such Covered Person's household, and Controlled Entities over which such Covered Person exercises control, may only trade in Company securities (other than pursuant to a Rule 10b5-1 Plan (as hereinafter defined) adopted in accordance with this Policy) or, as applicable, adopt or modify Rule 10b5-1 Plans or gift Company securities, during an open trading window when no blackout period (as hereinafter defined) is in effect, or as otherwise permitted by this Policy.  </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Generally, the Company&#8217;s trading window is open four times a year commencing at the beginning of the third trading day after public disclosure of the Company&#8217;s quarterly or annual financial results, as the case may be, and closing at the close of business on the 45th calendar day following the trading window opening (or if the 45</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline">th</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> calendar day is not a business day, at the close of business on the nearest preceding business day) but in no event later than the 15th day of the calendar month in which the quarter ends.  Covered Persons will receive a notice each time the trading window opens indicating the exact date of anticipated closure.  </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Persons subject to this Policy also should keep in mind that a trading window may be temporarily or prematurely closed for, or opened later due to, blackout periods instituted in accordance with Part I, Section 6.0(a).</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Trading in Company securities or adopting, modifying, or terminating a Rule 10b5-1 Plan during an open trading window does not protect individuals from insider trading violations if they do so while in possession of material nonpublic information. Even during an open trading window, a Covered Person who is in possession of any material nonpublic information should not trade in the Company's securities. The Company advises all persons subject to this Policy to use good judgment at all times.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">4.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt"> PRE-CLEARANCE OF SECURITIES TRANSACTIONS</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:5.8pt">Because Insiders are likely to obtain material nonpublic information on a regular basis, the Company requires all Insiders to refrain from trading, even during an open trading window under Part I, Section 3.0 above, without first pre-clearing such trades in the Company's securities, as described in subsection (b) below.  For standard open market trades, it is recommended that pre-clearance should be sought at least two business days in advance of the trade.  For bona fide gifts and adoption or modification of Rule 10b5-1 Plans, pre-</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 5 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">clearance should be sought as far in advance as possible and, at a minimum, at least one week before the anticipated execution date.  </font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:5.18pt">Subject to the exception described in subsection (d) below, no Insider may, directly or indirectly, purchase or sell (or otherwise make any transfer, gift, or loan of) any Company security at any time without first obtaining prior approval from the General Counsel or a GC Designee. These procedures also apply to transactions by such Insider&#8217;s spouse, minor children and other persons living in such Insider&#8217;s household, and to transactions by Controlled Entities over which such Insider exercises control. </font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:5.8pt">The General Counsel or a GC Designee shall record the date each request for pre-clearance is received, the date each request is approved or disapproved, and the date such pre-clearance expires.  If a pre-cleared transaction does not occur prior to expiration of the pre-clearance period, the transaction may not be executed unless an extension is granted by the General Counsel or a GC Designee. The General Counsel or a GC Designee is under no obligation to approve a transaction submitted for pre-clearance and may determine not to permit the transaction. If a person seeks pre-clearance and permission to engage in the transaction is denied, then he or she must refrain from initiating any transaction in the Company&#8217;s securities and should not inform any other person of the restriction.  </font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:5.18pt">Pre-clearance is required prior to adoption or modification of a Rule 10b5-1 Plan by an Insider, the Insider&#8217;s spouse, minor children and other persons living in such Insider&#8217;s household, and any Controlled Entities over which such Insider exercises control.  When seeking pre-clearance, an Insider must deliver a draft of the Rule 10b5-1 Plan or modification to the General Counsel or a GC Designee. A copy of the Rule 10b5-1 Plan will be shared with the Human Resources Department in light of that Department&#8217;s equity administration practices.  Any Rule 10b5-1 Plan adopted or modified pursuant to this Policy must meet the requirements described in Section 5.0 of Part I of this Policy.  After receiving pre-clearance from the General Counsel or a GC Designee, an Insider must deliver a complete copy of the final, fully executed Rule 10b5-1 Plan or modification, as the case may be, to the General Counsel or a GC Designee within one business day after execution of such document. A copy of the fully executed document will be shared with the Human Resources Department.</font></div><div style="margin-bottom:12pt;padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">It is noted that once an Insider&#8217;s Rule 10b5-1 Plan has been pre-cleared, additional pre-clearance is not required for purchases and sales of securities under that Rule 10b5-1 Plan upon the expiration of the applicable cooling-off period (as hereinafter defined).  No trades may be made under a Rule 10b5-1 Plan until expiration of the applicable cooling-off period. With respect to any purchase or sale under a Rule 10b5-1 Plan, the third party effecting transactions on behalf of the Insider should be instructed to send duplicate confirmations of all such transactions to the General Counsel or a GC Designee.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 6 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">5.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">RULE 10B5-1 PLAN CONDITIONS AND REQUIREMENTS FOR INDIVIDUALS</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Insiders are encouraged to consider whether it is advisable to trade in Company securities pursuant to a written plan, contract, instruction, or arrangement under Rule 10b5-1 of the Exchange Act (a &#8220;Rule 10b5-1 Plan&#8221;).  All Insiders who use a Rule 10b5-1 Plan must pre-clear any adoption or modification of such Rule 10b5-1 Plan, regardless of time of implementation or type, in the manner described in Section 4.0 of Part I of this Policy.  While other persons subject to this Policy also are not required to use Rule 10b5-1 Plans to effectuate trades in Company securities, they are encouraged to consider whether it is advisable to do so, given their particular circumstances and access to information at the Company. A Rule 10b5-1 Plan must meet the requirements of SEC rules, as they may be in effect from time to time.  The conditions and requirements set forth below reflect SEC rules and their interpretation as of the date of this Policy.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:4.7pt;text-decoration:underline">Conditions</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Any Rule 10b5-1 Plan for an individual must&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.69pt">Either (A) specify the amount of Company stock or other Company security to be purchased or sold and the price at which and the date on which the Company stock or other Company security, as the case may be, is to be purchased or sold&#59; or (B) include a written formula or algorithm for determining the amount of Company stock or other Company security to be purchased or sold and the price at which and the date on which the Company stock or other Company security, as the case may be, is to be purchased or sold&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.36pt">Not permit the person establishing the Rule 10b5-1 Plan to exercise any subsequent influence over how, when, or whether to effect purchases or sales&#59; and</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(iii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:0.03pt">Be entered into in good faith and the person establishing the Rule 10b5-1 Plan must act in good faith with respect to the plan through the duration of the plan.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:4.02pt;text-decoration:underline">Additional Requirements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:700;line-height:120%;text-decoration:underline"> </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.69pt">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;text-decoration:underline">Cooling-Off Period</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8221; - Before trading can commence under a Rule 10b5-1 Plan, Insiders must comply with a minimum &#8220;cooling-off period&#8221; (subject to a maximum of 120 days), which is </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:700;line-height:120%">the later of</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">90 days after the adoption or modification of the Rule 10b5-1 Plan&#59; or </font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Two business days following the Company&#8217;s filing of its Form 10-Q or Form 10-K for the fiscal quarter in which the Rule 10b5-1 Plan was adopted.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 7 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Any employee of the Company who is not an Insider is subject to a minimum &#8220;cooling-off period&#8221; of 30 days after adoption or modification of a Rule 10b5-1 Plan.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Modification of one or more key terms of a Rule 10b5-1 Plan, including the amount, price, or timing of transactions under the Rule 10b5-1 Plan, constitutes a termination of the Rule 10b5-1 Plan and the adoption of a new Rule 10b5-1 Plan.  Trading cannot resume after such a modification until the expiration of another cooling-off period of the applicable length described above (because the modification results in a new Rule 10b5-1 Plan being adopted).</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.36pt;text-decoration:underline">Restriction on Multiple Overlapping Plans.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> Insiders and other employees who use Rule 10b5-1 Plans generally may not enter into multiple overlapping Rule 10b5-1 Plans (i.e., where trades commence under a successor plan before completion or expiration of a predecessor plan).  </font></div><div style="margin-bottom:12pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Exceptions to this restriction on multiple overlapping plans include the following&#58;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">The exceptions to this Policy noted above in Part I, Sections 2.0 (c)(ii) and (iii) (i.e., dividend reinvestment plans opted-in during an open window period and automatic purchases under the Company&#8217;s ESPP)&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Sell-to-cover arrangements (solely related to satisfying tax withholding obligations arising from the vesting of a compensatory award and over which the Insider or other employee, as applicable, does not otherwise exercise control as to the timing of such sales)&#59;</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">A series of separate arrangements with different broker-dealers to execute trades pursuant to a single Rule 10b5-1 Plan&#59; provided that the arrangements, when taken together as a whole, meet the requirements of a Rule 10b5-1 Plan&#59; and</font></div><div style="margin-bottom:12pt;padding-left:54pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">An Insider or other employee using a Rule 10b5-1 Plan may enter into two separate Rule 10b5-1 Plans for open market purchases or sales of Company stock or other Company securities if trading under the later-commencing plan is not authorized to begin until after all trades under the earlier commencing plan are completed or expire without execution.  (If the first plan is terminated early, the first trade under the later-commencing plan must not be scheduled to occur until after the applicable &#8220;cooling-off period&#8221; following the termination of the first plan.)</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(iii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:0.03pt;text-decoration:underline">Restriction on &#8220;Single-Trade&#8221; Plans.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> Insiders and other employees who use Rule 10b5-1 Plans may only enter into one single-trade Rule 10b5-1 Plan during any consecutive 12-month period except for sell-to-cover arrangements (solely related to satisfying tax withholding obligations arising from the vesting of a compensatory award and over </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 8 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">which the Insider or other employee, as applicable, does not otherwise exercise control as to the timing of such sales).  </font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:4.7pt;text-decoration:underline">Required Notifications under Rule 10b5-1 Plans Adopted by Insiders.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Any Rule 10b5-1 Plan entered into by an Insider also must provide that&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.69pt">The General Counsel or a GC Designee will be notified within one trading day of any modification or termination of the Rule 10b5-1 Plan&#59; and</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.36pt">The General Counsel or a GC Designee will be notified by e-mail of any transaction under the plan no later than one trading day after the transaction.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:4.02pt;text-decoration:underline">Certification.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">An Insider or other employee, as applicable, will be required to include in the Rule 10b5-1 Plan written representations certifying that he or she (i) is not aware of material nonpublic information about the Company or its securities and (ii) is adopting or modifying the plan in good faith and not as part of a plan or scheme to evade the prohibitions of Exchange Act Rule 10b-5.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(e)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:4.7pt;text-decoration:underline">Inquiries.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">For more information regarding these restrictions, please contact the General Counsel or a GC Designee.  An individual should consult his or her own legal and tax advisors before entering into, or modifying or terminating, a Rule 10b5-1 Plan. An Insider entering into a trading plan, contract, instruction, or arrangement without the prior review and approval of the General Counsel or a GC Designee as described above is a violation of this Policy.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">6.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">FURTHER RESTRICTIONS AND PROHIBITED TRANSACTIONS FOR INSIDERS AND COVERED PERSONS</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:5.8pt;text-decoration:underline">Blackout Periods.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">All Covered Persons, and the Covered Person&#8217;s spouse, minor children and other persons living in such Covered Person&#8217;s household, and Controlled Entities over which such Covered Person exercises control, are prohibited from trading in the Company's securities during blackout periods as defined below.  Covered Persons will receive a notice at the beginning and end of each blackout period applicable to them.  </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.69pt;text-decoration:underline">Quarterly Blackout Periods.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> Trading in the Company's securities by such persons (except pursuant to an effective Rule 10b5-1 Plan) is prohibited during the period </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">beginning</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> at the close of the market on the last day the trading window is open (as calculated in accordance with the provisions set forth in Section 3.0 of this Part I), but in no event later than the 15th day of the calendar month in which the quarter ends, and </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-style:italic;font-weight:400;line-height:120%">ending</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> no earlier than the open of business on the third trading day following the date the Company's quarterly or annual financial results, as the case may be, are publicly disclosed.  During these periods, Covered Persons generally possess or are presumed to possess material </font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 9 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">nonpublic information about the Company's financial results (or investors may still be absorbing the disclosure of previously nonpublic information, as the case may be).  </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.36pt;text-decoration:underline">Other Blackout Periods.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> From time to time, other types of material nonpublic information regarding the Company (such as negotiation of mergers, acquisitions or dispositions, investigation and assessment of cybersecurity incidents, or new product developments) may be pending and not be publicly disclosed. While such material nonpublic information is pending, the Company may impose special blackout periods during which Covered Persons, and such Covered Person&#8217;s spouse, minor children and other persons living in such Covered Person&#8217;s household, and Controlled Entities over which such Covered Person exercises control, are prohibited from trading in the Company's securities. If the Company imposes a special blackout period, it will notify the Covered Persons affected.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:5.18pt;text-decoration:underline">Short Swing Trading.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> Insiders who transact in Company securities may not engage in an opposite-way transaction in any Company securities of the same class for a profit within six months.  For example, if an Insider purchases Company common stock on June 1, 2024, the Insider may not sell Company common stock at a higher price per share until after December 1, 2024.  Similarly, if an Insider sells Company common stock on June 1, 2024, the Insider may not purchase Company common stock at a lower price per share until after December 1, 2024.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:5.8pt;text-decoration:underline">Standing and Limit Orders.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Standing or limit orders are orders placed with a broker to sell or purchase stock or other securities at a specified price.  A buy order can only be executed at the limit price or lower, and a sell order can only be executed at the limit price or higher.  Standing and limit orders create heightened risks for insider trading violations because purchases or sales can result from standing instructions to a broker on a person&#8217;s behalf when the person may be in possession of material nonpublic information.  As a result, this Policy prohibits Insiders from placing standing or limit orders on Company securities (such as &#8220;good until cancelled&#8221; orders) that remain effective after the pre-clearance period established under Part I, Section 4.0 concludes, other than pursuant to a Rule 10b5-1 Plan adopted in accordance with this Policy.  Non-Insider Covered Persons who choose to use standing or limit orders should do so only for short durations that expire during the open trading window period in which the order is placed.  In the event a trading window is closed early, if a person otherwise believes he or she has come into possession of material nonpublic information, the person should strongly consider terminating or suspending any outstanding orders.</font></div><div style="padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:5.18pt;text-decoration:underline">Other Generally Prohibited Transactions for Covered Persons.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Covered Persons, as well as any such person's spouse, minor children and other persons living in such person's household, and Controlled Entities over which such person exercises control, are prohibited from engaging in the following transactions in the Company's securities&#58;</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 10 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.69pt">Selling the Company's securities short, i.e., engaging in short sales&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.36pt">Buying or selling puts or calls or other derivative securities on the Company's securities&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(iii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:0.03pt">Holding</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Company securities in a margin account or pledging Company securities as collateral for a loan&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(iv)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:0.69pt">Entering into hedging or monetization transactions or similar arrangements that have the effect of hedging the economic value of any direct or indirect interest in Company securities. This prohibition includes hedging the individual&#8217;s participation in the Company&#8217;s long-term stock ownership plans&#59; and</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(v)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:4.02pt">Conducting any other open market transactions pertaining to Company securities while the individual has a Rule 10b5-1 Plan in place with respect to Company securities.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">7.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">VIOLATIONS OF INSIDER TRADING LAWS</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Penalties for trading on or communicating material nonpublic information can be severe, both for individuals involved in such unlawful conduct and their employers and supervisors, and may include jail terms, criminal fines, civil penalties, and civil enforcement injunctions. </font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:4.7pt;text-decoration:underline">SEC and Civil Penalties.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.69pt">A person who violates insider trading laws by engaging in transactions in a company's securities when he or she has material nonpublic information can be sentenced to a substantial jail term and required to pay a criminal penalty of several times the amount of profits gained or losses avoided. </font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.36pt">In addition, a person who tips others may also be liable for transactions by the tippees to whom he or she has disclosed material nonpublic information. Tippers can be subject to the same penalties and sanctions as the tippees, and the SEC has imposed large penalties even when the tipper did not profit from the transaction.</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(iii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:0.03pt">The SEC can also seek substantial civil penalties from any person who, at the time of an insider trading violation, directly or indirectly controlled the person who committed such violation, which would apply to the Company and&#47;or management and supervisory personnel. These control persons may be held liable for up to the greater of three times the amount of the profits gained or losses avoided or an amount set by the government</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7.8pt;font-weight:400;line-height:120%;position:relative;top:-4.2pt;vertical-align:baseline">1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">. Even for violations that result in a small or no profit, the SEC can seek penalties from a company and&#47;or its management and supervisory personnel as control persons.</font></div><div style="border-bottom:0.54pt solid #000000;margin-bottom:5pt;margin-top:10pt;opacity:1;width:144pt"></div><div style="margin-bottom:10pt;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Amount as of July 2024 is $2,559,636 (to be adjusted for inflation annually).</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 11 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:4.02pt;text-decoration:underline">Company-Imposed Penalties.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> Employees who violate this Policy may be subject to disciplinary action by the Company, including dismissal for cause. Any exceptions to the Policy, if permitted, may only be granted by the General Counsel or a GC Designee.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">8.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">SECURITIES REPURCHASES AND RULE 10B5-1 PLAN CONDITIONS AND REQUIREMENTS FOR THE COMPANY</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:4.7pt;text-decoration:underline">Share Repurchases.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">  The Company shall adhere to all legal and regulatory requirements in connection with securities repurchases, including, without limitation, any and all applicable securities trading laws&#47;regulations and requirements related to capital management.  Any repurchase of shares of common stock shall be subject to the preferences and rights of any then-outstanding preferred stock, as set forth in the applicable certificate of designation for such preferred stock.  The Board of Directors, and, if applicable, its designee(s), shall have ultimate authority and oversight responsibility for securities repurchases by the Company.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:4.02pt;text-decoration:underline">Company Trading Plan Adopted Pursuant to Rule 10b5-1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">  To the extent the Company intends to repurchase shares of common stock or preferred stock during a blackout period (as described in Section 6.0(a) above), such repurchase must be done in accordance with an effective Rule 10b5-1 Plan adopted by the Company pursuant to Rule 10b5-1 of the Exchange Act, as such rule applies to issuers.  For purposes of clarity, while rules with respect to &#8220;cooling off&#8221; periods, multiple&#47;overlapping plans, and &#8220;single-trade plans&#8221; under Rule 10b5-1 apply to individuals, such rules are not applicable to issuers and therefore shall not apply to any Rule 10b5-1 Plan adopted by the Company.  Any Company adopted Rule 10b5-1 Plan must&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:6.69pt">Either (A) specify the amount of Company stock or other Company security to be purchased or sold and the price at which and the date on which the Company stock or other Company security, as the case may be, is to be purchased or sold&#59; or (B) include a written formula or algorithm for determining the amount of Company stock or other Company security to be purchased or sold and the price at which and the date on which the Company stock or other Company security, as the case may be, is to be purchased or sold&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(ii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:3.36pt">Not permit the Company to exercise any subsequent influence over how, when, or whether to effect purchases or sales&#59; and</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">(iii)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:0.03pt">Be entered into in good faith.</font></div><div style="margin-bottom:12pt;padding-left:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">The Company must act in good faith with respect to the plan through the duration of the plan.</font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 12 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt"><font><br></font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">PART II</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:100%">1.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:3pt">ACKNOWLEDGMENT AND CERTIFICATION</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">All directors, officers, and employees of the Company are required to certify their understanding of and intent to comply with this Policy.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:100%">2.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:3pt">CONDUCT RISK </font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">In accordance with the Company&#8217;s Conduct Risk Program Standard, any potential violations of Conduct Risk under this Conduct Risk tenet should be sent to the Company&#8217;s Conduct Risk Advisory Group for review and investigation.</font></div><div style="margin-bottom:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:100%">3.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:100%;padding-left:3pt">DEFINITIONS</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">For the purposes of this Policy, the following definitions apply&#58;</font></div><div><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:18.785%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:79.015%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:133%">Word&#47;Phrase</font></div></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:133%">Definition</font></div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Blackout Period</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 6.0(a).</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Company</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">SLM Corporation and its subsidiaries.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Company securities</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 1.0.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Controlled Entities</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 1.0.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Cooling off period</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 5.0(b).</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Covered Person</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to the &#8220;Purpose&#8221; section at the beginning of this Policy.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">ESPP</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 2.0(c)(iii).</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Exchange Act</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to the &#8220;Purpose&#8221; section at the beginning of this Policy.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">General Counsel</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 2.0(a)(iv). </font></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">GC Designee</font></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 2.0(a)(iv). </font></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 13 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:134.64pt;width:100%"><div><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:104px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div><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:18.785%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:79.015%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Immediate family member</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Any child, stepchild, grandchild, parent, stepparent, grandparent, spouse, sibling, mother-in-law, father-in-law, son-in-law, daughter-in-law, brother-in-law, sister-in-law, and includes adoptive relationships.  </font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Insider</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to the &#8220;Purpose&#8221; section at the beginning of this Policy.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Insider Trading</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to the Background section.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Material</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Information is regarded as &#8220;material&#8221; if there is a substantial likelihood that a reasonable investor would consider it important in making an investment decision.</font></div><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Information dealing with the following subjects is reasonably likely to be found material in particular situations&#58;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Financial performance, especially loan origination numbers, quarterly and year-end earnings, expectations or guidance for future periods, significant changes in financial performance, liquidity, expectations, or guidance, extraordinary borrowings, and&#47;or unusual gains or losses in major operations&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Significant accounting matters, including impairments or changes in asset values, significant write-downs in assets or increases in reserves, and&#47;or major changes in accounting methods or policies&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Potential mergers, acquisitions, tender offers, recapitalizations, strategic alliances, licenses, and&#47;or the sale of significant Company assets or subsidiaries&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">New major contracts, customers, or finance sources, or the loss thereof&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Significant changes or developments in products or product lines, or significant pricing changes&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Stock splits, public or private securities&#47;debt offerings or repurchases, changes in Company dividend policies or amounts, and other events regarding the Company&#8217;s securities (e.g., defaults on senior securities, calls of securities for redemption, and changes to the rights of security-holders, or information related to additional funding)&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Changes in control of the Company or significant changes in senior management or the Board of Directors&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Actual or threatened major litigation or regulatory actions or the resolution of such litigation, regulatory actions or investigations, or changes in law or significant enforcement actions against the Company and any analysis of the impact of such matters on the Company&#8217;s business or business model&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Actual or threatened cybersecurity incidents or cyber-attacks and other failures, breaches, or vulnerabilities of the Company&#8217;s operating systems or infrastructure, including those of third-party vendors who handle or are otherwise in possession of any of the Company&#8217;s customer or other confidential information&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Any analysis or conclusions related to the actual or expected impact on the Company&#8217;s business or business model resulting from actual or threatened pandemics or other widespread catastrophes or disasters&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Possible proxy fights&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Possible changes in the Company&#8217;s credit and&#47;or debt ratings by a rating agency&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">The contents of forthcoming publications that may affect the market price of Company securities, including statements by stock market analysts regarding the Company and&#47;or its securities&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Changes in auditors or auditor notifications that the Company may no longer rely on an audit report&#59;</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Significant changes in corporate objectives or prospects&#59; and</font></div><div style="margin-bottom:12pt;padding-left:43.22pt;padding-right:3.12pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Bankruptcy, corporate restructuring, or receivership.</font></div><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Material information is not limited to historical facts but may also include projections and forecasts. With respect to a future event, such as a merger, acquisition, or introduction of a new product, the point at which negotiations or product development are determined to be material is determined by balancing the probability that the event will occur against the magnitude of the effect the event would have on a company's operations or stock price should it occur. Thus, information concerning an event that would have a large effect on stock price, such as a merger, may be material even if the possibility that the event will occur is relatively small. </font></div><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt"><font><br></font></div><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">It is difficult to provide a precise definition of material information, since there are many gray areas and varying circumstances.  Individuals who believe they might be in possession of material information are advised to consult the General Counsel or a GC Designee.</font></div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Nonpublic</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Insider trading prohibitions come into play only when a person possesses information that is material </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">and</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> &#8220;nonpublic.&#8221; The fact that information has been disclosed to a few members of the public does not make it public for insider trading purposes. To be &#8220;public&#8221; the information must have been disseminated in a manner designed to reach investors generally, and the investors must be given the opportunity to absorb the information.  Even after public disclosure of information about the Company, Covered Persons must wait until the trading window (as discussed in Part I, Section 3.0) has been opened in accordance with this Policy before they can treat the information as public for trading purposes.</font></div><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">Nonpublic information may include&#58;</font></div><div style="margin-bottom:12pt;padding-left:39.12pt;padding-right:3.12pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Information available to a select group of analysts or brokers or institutional investors&#59;</font></div><div style="margin-bottom:12pt;padding-left:39.12pt;padding-right:3.12pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Undisclosed facts that are the subject of rumors, even if the rumors are widely circulated&#59; and</font></div><div style="margin-bottom:12pt;padding-left:39.12pt;padding-right:3.12pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%;padding-left:13.8pt">Information that has been entrusted to the Company on a confidential basis until a public announcement of the information has been made and enough time has elapsed for the market to respond to a public announcement of the information.</font></div><div style="margin-bottom:12pt;padding-left:39.12pt;padding-right:3.12pt"><font><br></font></div><div style="margin-bottom:12pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">As with questions of materiality, if a person subject to this Policy is not sure whether information is considered public, he or she should either consult with the General Counsel or a GC Designee, or assume that the information is nonpublic and treat it as confidential.</font></div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Policy</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">This Securities Trading Policy.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">PSUs</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 2.0(c)(iv).</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">RSAs</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 2.0(c)(iv).</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">RSUs</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 2.0(c)(iv).</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Rule 10b5-1 Plan</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 5.0.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">SEC</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 2.0(a)(iv). </font></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Tip</font></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Refer to Part I, Section 2.0(a)(ii).</font></td></tr></table></div><div><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="padding-right:-13.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 14 </font></div><div style="padding-right:-13.5pt"><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>3
<FILENAME>slmex21112312024.htm
<DESCRIPTION>EX-21.1
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2025 Workiva -->
<title>Document</title></head><body><div id="ic25a5d267dee434ea7fb60e25fafc790_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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">* 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></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>4
<FILENAME>slmex23112312024.htm
<DESCRIPTION>EX-23.1
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2025 Workiva -->
<title>Document</title></head><body><div id="id94685f44bc647ecbb2bdd6dd1e38f96_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;margin-top:10.5pt;text-align:justify"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10.19pt;font-weight:400;line-height:120%">We consent to the incorporation by reference in the registration statements (No. 333-281147) on Form S-3 and (No. 333-140285, 333-125317, 333-33575, 333-44425, 333-53631, 333-68634, 333-80921, 333-92132, 333-109319, 333-159447, 333-116136, 333-181646, and 333-256937) on Form S-8 of our reports dated February 20, 2025, with respect to the consolidated financial statements of SLM Corporation and the effectiveness of internal control over financial reporting.</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 20, 2025</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>5
<FILENAME>slmex31112312024.htm
<DESCRIPTION>EX-31.1
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2025 Workiva -->
<title>Document</title></head><body><div id="i83f4042d46344864a612e1b8f8f96206_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: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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">February 20, 2025</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>6
<FILENAME>slmex31212312024.htm
<DESCRIPTION>EX-31.2
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2025 Workiva -->
<title>Document</title></head><body><div id="i0f562169e910446197f941e0a60c34e0_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: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:'Arial',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:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">I, Peter M. Graham, 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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#47;s&#47; PETER M. GRAHAM</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:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Peter M. Graham</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%">Executive Vice President, Chief Financial Officer and Treasurer</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%">(Principal Financial and Accounting Officer)</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%">February 20, 2025</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>7
<FILENAME>slmex32112312024.htm
<DESCRIPTION>EX-32.1
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2025 Workiva -->
<title>Document</title></head><body><div id="i65cc65c0944742fea291b70f1dd564a0_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: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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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, 2024, 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:'Arial',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, as amended&#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:'Arial',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 results 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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">February 20, 2025</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>8
<FILENAME>slmex32212312024.htm
<DESCRIPTION>EX-32.2
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2025 Workiva -->
<title>Document</title></head><body><div id="ib40cafc825894cb6a2b3ccdc52b48d03_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: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:'Arial',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:'Arial',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:'Arial',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:'Arial',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:'Arial',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, 2024, as filed with the Securities and Exchange Commission on the date hereof (the &#8220;Report&#8221;), I, Peter M. Graham, Executive Vice President, Chief Financial Officer and Treasurer 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:'Arial',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, as amended&#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:'Arial',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 results 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:'Arial',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:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#47;s&#47; PETER M. GRAHAM</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:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Peter M. Graham</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%">Executive Vice President, Chief Financial Officer and Treasurer</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%">(Principal Financial and Accounting Officer)</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><font style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:100%">February&#160;20, 2025</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-97.1
<SEQUENCE>9
<FILENAME>slmex9712024.htm
<DESCRIPTION>EX-97.1
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2025 Workiva -->
<title>Document</title></head><body><div id="i720f1932337e49ef936597cadb436275_1"></div><div style="min-height:128.88pt;width:100%"><div style="margin-bottom:4pt;margin-top:4pt"><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0.jpg" src="image_0.jpg" style="height:106px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:4pt;margin-top:4pt;text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EXHIBIT 97.1</font></div><div style="margin-bottom:4pt;margin-top:4pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Financial Restatement Compensation Recovery Policy</font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">1.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">PURPOSE</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The purpose of this Financial Restatement Compensation Recovery Policy is to articulate requirements related to the recovery of certain executive compensation in the event of an accounting restatement resulting from material noncompliance with the financial reporting requirements under U.S. federal securities laws in accordance with the terms and conditions set forth herein. This Policy is intended to comply with the requirements of Section 10D of the Exchange Act and the Listing Rules. In the event that Section 10D of the Exchange Act, the Listing Rules or any rule or regulation thereunder prescribe additional requirements or permissions for the Company, Section 10D of the Exchange Act and&#47;or the Listing Rules control and this Policy shall be read to include such requirements and&#47;or permissions.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Definitions used in this Policy shall have the meanings set forth in Section 11.</font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">2.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">APPLICABILITY</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Policy applies to an Executive Officer&#8217;s Incentive-based Compensation in the event of a Financial Restatement.</font></div><div style="margin-bottom:12pt;margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">3.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">POLICY STATEMENT</font></div><div style="margin-top:12pt;padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">3.1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:4.25pt;text-decoration:underline">Recovery of Erroneously Awarded Compensation</font></div><div style="margin-bottom:12pt;padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This Policy sets forth circumstances and conditions that will trigger a recovery of Incentive-based Compensation.</font></div><div style="margin-top:12pt;padding-left:63.35pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">3.1.1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:6.65pt;text-decoration:underline">Amount to be Recovered </font></div><div style="padding-left:45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the event of a Financial Restatement, the Company shall reasonably promptly recover from Executive Officers an amount equal to the Erroneously Awarded Compensation.  For the avoidance of doubt, except as set forth in Section 3.1.3, in no event may the Company accept an amount that is less than the amount of the Erroneously Awarded Compensation.<br><br>If (i) the applicable Financial Reporting Measure applicable to the relevant Erroneously Awarded Compensation is a stock price or total shareholder return measure, and (ii) the amount of such Erroneously Awarded Compensation is not subject to mathematical recalculation directly from the information in the Financial Restatement, then the amount of the Erroneously Awarded Compensation shall be determined based on the Company&#8217;s reasonable estimate of the effect of the Financial Restatement on the Company&#8217;s stock price or total shareholder return upon which such Recoverable Compensation was received. In the event that an Executive Officer has received any Incentive-based Compensation from a compensation &#8220;pool&#8221; under which the amount of the pool was determined based on Financial Reporting Measures (regardless of whether the amount actually received by the Executive Officer was determined based on Financial Reporting Measures), the percentage difference in the value of the pool will be treated as Erroneously Awarded Compensation, and such percentage difference in the pool shall be applied to any such Incentive-based Compensation received by the Executive Officer from the pool.<br><br>The amount of Erroneously Awarded Compensation shall be calculated on a pre-tax basis</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">.</font></div><div style="margin-top:12pt;padding-left:63.35pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">3.1.2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:6.65pt;text-decoration:underline">Obligation to Recover </font></div><div style="margin-bottom:12pt;padding-left:45.35pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s obligation to recover Erroneously Awarded Compensation is not dependent on (i) if or when the restated financial statements are filed&#59; or (ii) any fault of the Executive Officer for the accounting errors or other actions leading to a Financial Restatement.</font></div><div style="margin-top:12pt;padding-left:63.35pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">3.1.3</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:6.65pt;text-decoration:underline">Exceptions to Obligation to Recover</font></div><div style="margin-bottom:12pt;padding-left:45.35pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding anything to the contrary in Sections 3.1.1 through 3.1.2 hereof, the Company shall not be required to recover any Erroneously Awarded Compensation in the event that (x) the conditions set forth in either of clauses </font></div><div style="height:59.04pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1</font></div></div></div><hr style="page-break-after:always"><div style="min-height:128.88pt;width:100%"><div style="margin-bottom:4pt;margin-top:4pt"><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0.jpg" src="image_0.jpg" style="height:106px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt;padding-left:45.35pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">3.1.3.1 or 3.1.3.2 are satisfied and (y) the Committee (or a majority of the independent directors serving on the Board) has made a determination that recovery of the Erroneously Awarded Compensation would be impracticable&#58;</font></div><div style="margin-top:12pt;padding-left:81pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">3.1.3.1.  </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">the direct expense paid to a third party to assist in enforcing the recovery of the Erroneously Awarded Compensation under the Policy would exceed the amount of such Erroneously Awarded Compensation to be recovered&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> that, before concluding that it would be impracticable to recover any amount of Erroneously Awarded Compensation pursuant to this Section 3.1.3.1, the Company shall have first made a reasonable attempt to recover such Erroneously Awarded Compensation, document such reasonable attempt(s) to make such recovery, and provide the applicable required documentation to Nasdaq&#59; or </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><br></font></div><div style="margin-bottom:12pt;padding-left:81pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">3.1.3.2. </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">recovery of the Erroneously Awarded Compensation would likely cause an otherwise tax-qualified retirement plan, under which benefits are broadly available to employees of the Company, to fail to meet the requirements of Sections 401(a)(13) or 411(a) of the Code. </font></div><div style="margin-top:12pt;padding-left:63.35pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">3.1.4</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:6.65pt;text-decoration:underline">Discretion as to Method of Recovery</font></div><div style="padding-left:45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Committee shall determine, in its sole discretion, the manner and timing in which any Erroneously Awarded Compensation shall be recovered from an Executive Officer in accordance with applicable law, including, without limitation, by (i) requiring reimbursement of Recoverable Compensation previously paid in cash&#59; (ii) seeking recovery of any gain realized on the vesting, exercise, settlement, sale, transfer, or other disposition of any equity or equity-based awards&#59; (iii) offsetting the Erroneously Awarded Compensation amount from any compensation otherwise owed by the Company or any of its affiliates to the Executive Officer&#59; (iv) cancelling outstanding vested or unvested equity or equity-based awards (including exempt compensation, including time-vesting equity awards)&#59; (v) seeking recovery of any equity received in connection with the vesting, exercise, settlement, sale, transfer or other disposition of any equity or equity-based awards&#59; and&#47;or (vi) taking any other remedial and recovery action permitted by applicable law&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> that, to the extent necessary to avoid any adverse tax consequences to the Executive Officer pursuant to Section 409A of the Code, any offsets against amounts under any nonqualified deferred compensation plans (as defined under Section 409A of Code) shall be made in compliance with Section 409A of the Code.</font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">4.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">ADMINISTRATION</font></div><div style="margin-top:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Except with respect to the Chief Executive Officer, this Policy shall be administered by the Committee.  All decisions of the Committee shall be final, conclusive and binding upon all parties, including the Company and the Executive Officers except with respect to the Chief Executive Officer. The Committee shall have full power and authority to (i) administer and interpret this Policy, (ii) correct any defect, supply any omission, and reconcile any inconsistency in the Policy and (iii) make any other determination and take any other action that the Committee deems necessary or desirable for the administration of the Policy and to comply with applicable law (including Section 10D of the Exchange Act) and applicable stock market or exchange rules and regulations. Notwithstanding anything to the contrary contained herein, the Board may, in its sole discretion, at any time and from time to time, administer the Policy&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> that, for the Chief Executive Officer of the Company, the Policy shall be administered solely by the Independent Members of the Board, and any reference herein to the Committee in relation to the administration of this Policy as to the Chief Executive Officer shall be a reference to the Independent Members of the Board, and all decisions of the Independent Members of the Board shall be final, conclusive and binding upon the Chief Executive Officer&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">further</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, that the Committee may oversee any investigation and provide such recommendations to the Board as determined by the Board in its discretion.</font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">5.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">AMENDMENT&#47;TERMINATION</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Subject to Section 10D of the Exchange Act and the Listing Rules, this Policy may be amended or terminated by the Committee at any time. To the extent that any applicable law, or stock market or exchange rules or regulations require recovery of Erroneously Awarded Compensation in circumstances in addition to those specified herein, nothing in this Policy shall be deemed to limit or restrict the right or obligation of the Company to recover Erroneously Awarded Compensation to the fullest extent required by </font></div><div style="height:59.04pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2</font></div></div></div><hr style="page-break-after:always"><div style="min-height:128.88pt;width:100%"><div style="margin-bottom:4pt;margin-top:4pt"><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0.jpg" src="image_0.jpg" style="height:106px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">such applicable law, stock market or exchange rules and regulations. Unless otherwise required by applicable law, this Policy shall no longer be effective from and after the date that the Company no longer has a class of securities publicly listed on Nasdaq.</font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">6.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">INTERPRETATION</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding anything to the contrary herein, this Policy is intended to comply with the requirements of Section 10D of the Exchange Act and the Listing Rules, and the provisions of this Policy shall be interpreted in a manner that satisfies such requirements, and the Policy shall be operated accordingly. If any provision of this Policy would otherwise frustrate or conflict with this intent, the provision shall be interpreted and deemed amended so as to avoid this conflict.</font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">7.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">OTHER COMPENSATION&#47;CLAWBACK RECOVERY RIGHTS</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any right of recovery under this Policy is in addition to, and not in lieu of, any other remedies, rights, or requirements with respect to the clawback or recovery of any compensation that may be available to the Company pursuant to the terms of any other recoupment or clawback policy of the Company (or any of its affiliates) that may be in effect from time to time, any provisions in any employment agreement, offer letter, equity plan, equity award agreement or similar plan or agreement and any other legal remedies available to the Company, as well as applicable law, stock market or exchange rules, listing standards or regulations&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">however</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, that any amounts recovered or clawed back under any other policy that would be recoverable under this Policy shall count toward any required clawback or recovery under this Policy and vice versa&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">provided, further</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, that in no event shall any such action under this Policy result in the duplication in the adjustment, recoupment or clawback of Incentive-based Compensation under any other such policy.</font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">8.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">EXEMPT COMPENSATION</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has no obligation to seek recovery of amounts paid to an Executive Officer which are granted, vested or earned based solely upon the occurrence or non-occurrence of nonfinancial events. Such exempt compensation includes, without limitation, base salary, time-vesting equity awards, compensation awarded on the basis of the achievement of nonfinancial performance metrics or compensation awarded solely at the discretion of the Committee or the Board&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">provided </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">that</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">such amounts are in no way contingent on, and were not in any way granted on the basis of, the achievement of any financial measure. </font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">9.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:3pt">MISCELLANEOUS</font></div><div style="margin-top:12pt;padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">9.1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:5.5pt">Any applicable award agreement or other document setting forth the terms and conditions of any compensation covered by this Policy shall be deemed to include the restrictions imposed herein and incorporate this Policy by reference and, in the event of any inconsistency, the terms of this Policy will govern. For the avoidance of doubt, this Policy applies to all compensation that is received on or after the Effective Date, regardless of the date on which the award agreement or other document setting forth the terms and conditions of the Executive Officer&#8217;s compensation became effective.<br></font></div><div style="margin-bottom:12pt;padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">9.2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:5.5pt">This Policy shall be binding and enforceable against all Executive Officers and their beneficiaries, heirs, executors, administrators or other legal representatives.</font></div><div style="margin-bottom:12pt;padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">9.3</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:5.5pt">All issues concerning the construction, validity, enforcement and interpretation of this Policy and all related documents, including, without limitation, any employment agreement, offer letter, equity award agreement or similar agreement, shall be governed by, and construed in accordance with, the laws of the State of Delaware, without giving effect to any choice of law or conflict of law rules or provisions (whether of the State of Delaware or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the State of Delaware.</font></div><div style="height:59.04pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">3</font></div></div></div><hr style="page-break-after:always"><div style="min-height:128.88pt;width:100%"><div style="margin-bottom:4pt;margin-top:4pt"><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0.jpg" src="image_0.jpg" style="height:106px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-top:12pt;padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">9.4</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:5.5pt">In the event of any claims, disputes or controversies arising under, out of or in connection with this Policy, including with respect to the recoupment or clawback of any Incentive-based Compensation by the Company, by and between the Executive Officers and the Company, the Company shall engage in good faith negotiations with the Executive Officers.  In the event such negotiations fail to resolve such claims, disputes or controversies, to ensure the timely and economical resolution of disputes that arise in connection with this Policy, any and all disputes, claims, or causes of action arising from or relating to the enforcement, performance or interpretation of this Policy shall first be submitted to Judicial Arbitration and Mediation Services, Inc. (&#8220;JAMS&#8221;) for mediation under the JAMS International Mediation. Either the Company or the applicable Executive Officer may commence mediation by providing a written request for mediation to JAMS and, if initiated by the Company, with notice to the applicable Executive Officer, and if initiated by the Executive Officer, with notice to the Company. Such written request shall set forth the subject matter of the dispute and the relief requested. If the dispute has not been settled within forty-five (45) days following the filing of a Request for Mediation or within such other time period as the parties may agree in writing, any such dispute must be resolved to the fullest extent permitted by law by final, binding arbitration, by a single neutral arbitrator, in New Castle County, Delaware, conducted by JAMS in accordance with its employment dispute resolution rules. All parties, including Executives Officers, their beneficiaries, executors, administrators, or any other legal representative, and the Company, waive the right to resolve any such dispute through a trial by jury or judge or administrative proceeding. The arbitrator shall issue a written arbitration decision and a statement of the award. The arbitrator shall be authorized to award any or all remedies that any party would be entitled to seek in a court of law.  For the avoidance of doubt this Section 9.4 supersedes the forum provisions contained in Article VII Section 6 of SLM Corporation&#8217;s Amended and Restated Bylaws.</font></div><div style="margin-top:12pt;padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">9.5</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:5.5pt">If any provision of this Policy is determined to be unenforceable or invalid under any applicable law, such provision will be applied to the maximum extent permitted by applicable law, and shall automatically be deemed amended in a manner consistent with its objectives to the extent necessary to conform to any limitations required under applicable law.</font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">10.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">NO INDEMNIFICATION</font></div><div style="margin-bottom:3pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding any employment or equity award agreement between any Executive Officer and the Company containing a provision contrary to this Clawback Policy and for valid and sufficient consideration (including continuing participation in the Company&#8217;s incentive compensation programs)&#58; </font></div><div style="margin-bottom:3pt;padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">10.1. </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Executive Officers are bound by this Policy&#59;</font></div><div style="margin-bottom:3pt;padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">10.2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Company shall not indemnify any Executive Officer, directly or indirectly, for any losses that such Executive Officer may incur in connection with the recovery of Erroneously Awarded Compensation pursuant to this Policy, including through the payment of insurance premiums or gross-up payments.</font></div><div style="margin-bottom:3pt;padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">10.3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> No Executive Officer shall be entitled to (and each Executive Officer waives any right to) any indemnification or advancement of expenses from the Company under applicable law, any certificate of incorporation or bylaw or other governing document of the Company or under any indemnification agreement between the Company or any of its subsidiaries for any expenses (including attorney&#8217;s fees), liabilities or losses (including judgments, fines, taxes, penalties or amounts paid in settlement) incurred by the Executive Officer as a result of, or in connection with, any action taken or proceeding commenced by the Company to enforce the Policy&#59; and</font></div><div style="margin-bottom:3pt;padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">10.4</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> This Policy, including this Section 10, shall continue to apply to the Executive Officers after he or she has ceased to be an employee of the Company.</font></div><div style="margin-top:12pt;padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">11.0</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%;padding-left:15pt">DEFINITIONS</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the purposes of this specific policy only, the following definitions apply&#58;</font></div><div style="margin-bottom:4pt;margin-top:4pt"><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:27.670%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:70.130%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Word&#47;Phrase</font></td><td colspan="3" style="background-color:#d9d9d9;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Definition</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Board</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The Board of Directors of SLM Corporation.</font></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Code</font></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The U.S. Internal Revenue Code of 1986, as amended.</font></td></tr></table></div><div style="height:59.04pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">4</font></div></div></div><hr style="page-break-after:always"><div style="min-height:128.88pt;width:100%"><div style="margin-bottom:4pt;margin-top:4pt"><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0.jpg" src="image_0.jpg" style="height:106px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:4pt;margin-top:4pt"><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:27.670%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:70.130%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Committee</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The Compensation Committee or such other committee as designated by the Board or, if so designated by this Policy or by the Board, the Board.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Company</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">SLM Corporation, Sallie Mae Bank and any of their subsidiaries.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Compensation Committee</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The Compensation Committee of the Board.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Dodd-Frank Act</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The Dodd-Frank Wall Street Reform and Consumer Protection Act, as amended.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Effective Date</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The date on which Section 5608 of the Listing Rules, or such other listing standards implementing Section 10D of the Exchange Act, become effective.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Erroneously Awarded Compensation</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The amount of any Recoverable Compensation received by an Executive Officer which exceeds the amount of such compensation that would have otherwise been received by such Executive Officer if calculated based on the Financial Restatement.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Exchange Act</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The Securities Exchange Act of 1934, as amended.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Executive Committee</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The Executive Committee includes the CEO and others as appointed by the CEO of SLM Corporation, consisting of Executive Officers and such other officers as maybe determined by the CEO.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Executive Committee Member</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Any member of the Executive Committee.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Executive Officer</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Any current or former &#8220;officer&#8221; as defined under Section 16 of the Exchange Act, any other individual who is required to be covered by this Policy pursuant to Section 10D of the Exchange Act and the Listing Rules, and any other Executive Committee Member of the Company</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Financial Reporting Measure</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Any (i) measure that is determined and presented in accordance with the accounting principles used in preparing the Company&#8217;s financial statements (and any measures that are derived wholly or in part from any such measure), (ii) stock price measure or (iii) total shareholder return measure.  For the avoidance of doubt, a Financial Reporting Measure does not need to be presented within the Company&#8217;s financial statements or included in a filing with the U.S. Securities and Exchange Commission.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Financial Restatement </font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:3pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A restatement of the Company&#8217;s financial statements due to the material noncompliance of the Company with any financial reporting requirement under U.S. federal securities laws that is required in order to correct (i) an error in previously issued financial statements that is material to the previously issued financial statements&#59; or (ii) an error that would result in a material misstatement if the error (A) were corrected in the current period or (B) left uncorrected in the current period.<br><br>For purposes of this Policy, a Financial Restatement shall not be deemed to occur in the event of (x) a revision of the Company&#8217;s financial statements due to an out-of-period adjustment (i.e., when the error is immaterial to the previously issued financial statements and the correction of the error is also immaterial to the current period) or (y) a retrospective (1) application of a change in accounting principles&#59; (2) revision to reportable segment information due to a change in the structure of the Company&#8217;s internal organization&#59; (3) reclassification due to a discontinued operation&#59; (4) application of a change in reporting entity, such as from a reorganization of entities under common control&#59; or (5) revision for stock splits, reverse stock splits, stock dividends, or other changes in capital structure.</font></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Financial Restatement Preparation Date</font></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The earlier of (i) the date that the Board (or a committee thereof, or the officer(s) of the Company authorized to take such action if Board action is not required) concludes, or reasonably should have concluded, that the Company is required to prepare a Financial Restatement, and (ii) the date on which a court, regulator or other legally authorized body directs the Company to prepare a Financial Restatement.</font></td></tr></table></div><div style="height:59.04pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">5</font></div></div></div><hr style="page-break-after:always"><div style="min-height:128.88pt;width:100%"><div style="margin-bottom:4pt;margin-top:4pt"><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><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:2.77pt;padding-right:2.77pt"><img alt="image_0.jpg" src="image_0.jpg" style="height:106px;margin-bottom:5pt;vertical-align:text-bottom;width:72px"><font style="color:#365f91;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Policy</font></div></td></tr></table></div><div><font><br></font></div></div><div style="margin-bottom:4pt;margin-top:4pt"><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:27.670%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:70.130%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Incentive-based Compensation</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:3pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any compensation (including, for the avoidance of doubt, any cash or equity or equity-based compensation, regardless of source other than as set forth herein) that is granted, earned and&#47;or vested based wholly or in part upon the achievement of a Financial Reporting Measure, even if the grant or payment of the incentive-based compensation occurs after the end of that period.</font></div><div style="margin-bottom:3pt;padding-left:3.12pt;padding-right:3.12pt"><font><br></font></div><div style="margin-bottom:3pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For purposes of this Policy, &#8220;Incentive-based Compensation&#8221; shall also be deemed to include any amounts which were determined based on (or were otherwise calculated by reference to) Incentive-based Compensation (including, without limitation, any amounts under any long-term disability, life insurance or supplemental retirement or severance plan or agreement or any notional account that is based on Incentive-based Compensation, as well as any earnings accrued thereon).</font></div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Listing Rules</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">Section 5608 of the Nasdaq Listing Rules and any other listing rules promulgated by Nasdaq (and any applicable regulations, administrative interpretations or stock market or exchange rules and regulations adopted in connection therewith).</font></div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Nasdaq</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:133%">The NASDAQ Global Select Market, or any successor thereof.</font></div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The SLM Corporation Financial Restatement Compensation Recovery Policy, as amended from time to time.</font></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Recoverable Compensation</font></td><td colspan="3" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:3pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any Incentive-based Compensation &#8220;received&#8221; by an Executive Officer during the applicable Recovery Period&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">provided</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> that&#58; (i) such Recoverable Compensation was received by such Executive Officer (A) after the Effective Date, (B) after he or she commenced service as an Executive Officer and (C) while the Company had a class of securities publicly listed on Nasdaq (as defined below)&#59; and (ii) such Executive Officer served as an Executive Officer at any time during the performance period in respect of such Incentive-based Compensation.<br><br>For purposes of this Policy, Incentive-based &#160;&#160;&#160;&#160;Compensation is &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">received</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; by an Executive Officer during the fiscal period in which the Financial Reporting Measure applicable to such Incentive-based Compensation (or portion thereof) is attained, even if the payment or grant of such Incentive-based Compensation occurs thereafter.</font></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:middle"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Recovery Period</font></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:3pt;padding-left:3.12pt;padding-right:3.12pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The three fiscal years completed immediately preceding the date of any applicable Financial Restatement Preparation Date. Notwithstanding the foregoing, the Recovery Period additionally includes any transition period (that results from a change in the Company&#8217;s fiscal year) within or immediately following those three completed fiscal years&#59; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">provided </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">that a transition period between the last day of the Company&#8217;s previous fiscal year end and the first day of its new fiscal year that comprises a period of nine (9) to twelve (12) months would be deemed a completed fiscal year.</font></div></td></tr></table></div><div style="margin-bottom:3pt;padding-left:36pt"><font><br></font></div><div style="height:59.04pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">6</font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>10
<FILENAME>slm-20241231.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2025 Workiva-->
<!--r:d7bf8150-4bdd-417e-9e46-96e27e8baee9,g:88ad62bb-29b1-4f6c-af5f-5e3caa83611d-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:slm="http://www.salliemae.com/20241231" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types1="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.salliemae.com/20241231">
  <xs:import namespace="http://fasb.org/srt/2024" schemaLocation="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2024" schemaLocation="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/cyd-af-sub/2024" schemaLocation="https://xbrl.sec.gov/cyd/2024/cyd-af-sub-2024.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2024" schemaLocation="https://xbrl.sec.gov/dei/2024/dei-2024.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2024" schemaLocation="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/exch/2024" schemaLocation="https://xbrl.sec.gov/exch/2024/exch-2024.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/stpr/2024" schemaLocation="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="slm-20241231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="slm-20241231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="slm-20241231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="slm-20241231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="CoverPage" roleURI="http://www.salliemae.com/role/CoverPage">
        <link:definition>0000001 - Document - Cover Page</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AuditInformation" roleURI="http://www.salliemae.com/role/AuditInformation">
        <link:definition>0000002 - Document - Audit Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDBALANCESHEETS" roleURI="http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS">
        <link:definition>9952151 - Statement - CONSOLIDATED BALANCE SHEETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDBALANCESHEETSParenthetical" roleURI="http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical">
        <link:definition>9952152 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFINCOME" roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME">
        <link:definition>9952153 - Statement - CONSOLIDATED STATEMENTS OF INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME" roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME">
        <link:definition>9952154 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY" roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY">
        <link:definition>9952155 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical" roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical">
        <link:definition>9952156 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCASHFLOWS" roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS">
        <link:definition>9952157 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="OrganizationandBusiness" roleURI="http://www.salliemae.com/role/OrganizationandBusiness">
        <link:definition>9952158 - Disclosure - Organization and Business</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SignificantAccountingPolicies" roleURI="http://www.salliemae.com/role/SignificantAccountingPolicies">
        <link:definition>9952159 - Disclosure - Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CashandCashEquivalents" roleURI="http://www.salliemae.com/role/CashandCashEquivalents">
        <link:definition>9952160 - Disclosure - Cash and Cash Equivalents</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Investments" roleURI="http://www.salliemae.com/role/Investments">
        <link:definition>9952161 - Disclosure - Investments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestment" roleURI="http://www.salliemae.com/role/LoansHeldforInvestment">
        <link:definition>9952162 - Disclosure - Loans Held for Investment</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesandUnfundedLoanCommitments" roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitments">
        <link:definition>9952163 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PremisesandEquipmentNet" roleURI="http://www.salliemae.com/role/PremisesandEquipmentNet">
        <link:definition>9952164 - Disclosure - Premises and Equipment, Net</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GoodwillandAcquiredIntangibleAssets" roleURI="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssets">
        <link:definition>9952165 - Disclosure - Goodwill and Acquired Intangible Assets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Deposits" roleURI="http://www.salliemae.com/role/Deposits">
        <link:definition>9952166 - Disclosure - Deposits</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Borrowings" roleURI="http://www.salliemae.com/role/Borrowings">
        <link:definition>9952167 - Disclosure - Borrowings</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstruments" roleURI="http://www.salliemae.com/role/DerivativeFinancialInstruments">
        <link:definition>9952168 - Disclosure - Derivative Financial Instruments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquity" roleURI="http://www.salliemae.com/role/StockholdersEquity">
        <link:definition>9952169 - Disclosure - Stockholders' Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerCommonShare" roleURI="http://www.salliemae.com/role/EarningsPerCommonShare">
        <link:definition>9952170 - Disclosure - Earnings Per Common Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockBasedCompensationPlansandArrangements" roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangements">
        <link:definition>9952171 - Disclosure - Stock-Based Compensation Plans and Arrangements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurements" roleURI="http://www.salliemae.com/role/FairValueMeasurements">
        <link:definition>9952172 - Disclosure - Fair Value Measurements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RegulatoryCapital" roleURI="http://www.salliemae.com/role/RegulatoryCapital">
        <link:definition>9952173 - Disclosure - Regulatory Capital</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DefinedContributionPlans" roleURI="http://www.salliemae.com/role/DefinedContributionPlans">
        <link:definition>9952174 - Disclosure - Defined Contribution Plans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsContingenciesandGuarantees" roleURI="http://www.salliemae.com/role/CommitmentsContingenciesandGuarantees">
        <link:definition>9952175 - Disclosure - Commitments, Contingencies and Guarantees</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxes" roleURI="http://www.salliemae.com/role/IncomeTaxes">
        <link:definition>9952176 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConcentrationsofRisk" roleURI="http://www.salliemae.com/role/ConcentrationsofRisk">
        <link:definition>9952177 - Disclosure - Concentrations of Risk</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ParentOnlyStatements" roleURI="http://www.salliemae.com/role/ParentOnlyStatements">
        <link:definition>9952178 - Disclosure - Parent Only Statements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentReporting" roleURI="http://www.salliemae.com/role/SegmentReporting">
        <link:definition>9952179 - Disclosure - Segment Reporting</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEvents" roleURI="http://www.salliemae.com/role/SubsequentEvents">
        <link:definition>9952180 - Disclosure - Subsequent Events</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SignificantAccountingPoliciesPolicies" roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies">
        <link:definition>9955511 - Disclosure - Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsTables" roleURI="http://www.salliemae.com/role/InvestmentsTables">
        <link:definition>9955512 - Disclosure - Investments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentTables" roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentTables">
        <link:definition>9955513 - Disclosure - Loans Held for Investment (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesandUnfundedLoanCommitmentsTables" roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsTables">
        <link:definition>9955514 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PremisesandEquipmentNetTables" roleURI="http://www.salliemae.com/role/PremisesandEquipmentNetTables">
        <link:definition>9955515 - Disclosure - Premises and Equipment, Net (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GoodwillandAcquiredIntangibleAssetsTables" roleURI="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsTables">
        <link:definition>9955516 - Disclosure - Goodwill and Acquired Intangible Assets (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DepositsTables" roleURI="http://www.salliemae.com/role/DepositsTables">
        <link:definition>9955517 - Disclosure - Deposits (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowingsTables" roleURI="http://www.salliemae.com/role/BorrowingsTables">
        <link:definition>9955518 - Disclosure - Borrowings (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsTables" roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsTables">
        <link:definition>9955519 - Disclosure - Derivative Financial Instruments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquityTables" roleURI="http://www.salliemae.com/role/StockholdersEquityTables">
        <link:definition>9955520 - Disclosure - Stockholders' Equity (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerCommonShareTables" roleURI="http://www.salliemae.com/role/EarningsPerCommonShareTables">
        <link:definition>9955521 - Disclosure - Earnings Per Common Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockBasedCompensationPlansandArrangementsTables" roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsTables">
        <link:definition>9955522 - Disclosure - Stock-Based Compensation Plans and Arrangements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsTables" roleURI="http://www.salliemae.com/role/FairValueMeasurementsTables">
        <link:definition>9955523 - Disclosure - Fair Value Measurements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RegulatoryCapitalTables" roleURI="http://www.salliemae.com/role/RegulatoryCapitalTables">
        <link:definition>9955524 - Disclosure - Regulatory Capital (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesTables" roleURI="http://www.salliemae.com/role/IncomeTaxesTables">
        <link:definition>9955525 - Disclosure - Income Taxes (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ParentOnlyStatementsTables" roleURI="http://www.salliemae.com/role/ParentOnlyStatementsTables">
        <link:definition>9955526 - Disclosure - Parent Only Statements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentReportingTables" roleURI="http://www.salliemae.com/role/SegmentReportingTables">
        <link:definition>9955527 - Disclosure - Segment Reporting (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SignificantAccountingPoliciesTradingInvestmentsNarrativeDetails" roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesTradingInvestmentsNarrativeDetails">
        <link:definition>9955528 - Disclosure - Significant Accounting Policies - Trading Investments Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails" roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails">
        <link:definition>9955529 - Disclosure - Significant Accounting Policies - Allowance for FFELP Loans and Loan Interest Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SignificantAccountingPoliciesBusinessCombinationDetails" roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails">
        <link:definition>9955530 - Disclosure - Significant Accounting Policies - Business Combination (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SignificantAccountingPoliciesDepositsDetails" roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesDepositsDetails">
        <link:definition>9955531 - Disclosure - Significant Accounting Policies - Deposits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SignificantAccountingPoliciesSecuritizationAccountingDetails" roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesSecuritizationAccountingDetails">
        <link:definition>9955532 - Disclosure - Significant Accounting Policies - Securitization Accounting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SignificantAccountingPoliciesDerivativeAccountingDetails" roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails">
        <link:definition>9955533 - Disclosure - Significant Accounting Policies - Derivative Accounting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CashandCashEquivalentsDetails" roleURI="http://www.salliemae.com/role/CashandCashEquivalentsDetails">
        <link:definition>9955534 - Disclosure - Cash and Cash Equivalents (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsNarrativeDetails" roleURI="http://www.salliemae.com/role/InvestmentsNarrativeDetails">
        <link:definition>9955535 - Disclosure - Investments - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails" roleURI="http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails">
        <link:definition>9955536 - Disclosure - Investments - Amortized Cost and Fair Value of Securities Available for Sale (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails" roleURI="http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails">
        <link:definition>9955537 - Disclosure - Investments - Gross Unrealized Losses and Fair Value for Mortgage-Backed in Unrealized Loss Position (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentsMaturityTableDetails" roleURI="http://www.salliemae.com/role/InvestmentsMaturityTableDetails">
        <link:definition>9955538 - Disclosure - Investments - Maturity Table (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentNarrativeDetails" roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails">
        <link:definition>9955539 - Disclosure - Loans Held for Investment -Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails" roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails">
        <link:definition>9955540 - Disclosure - Loans Held for Investment - Schedule of Allowance for Credit Losses and Recorded Investments in Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails" roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails">
        <link:definition>9955541 - Disclosure - Loans Held for Investment - Student Loan Portfolio by Program (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails" roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails">
        <link:definition>9955542 - Disclosure - Loans Held for Investment - Student Loan Portfolio Average Balances (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentByRegionDetails" roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails">
        <link:definition>9955543 - Disclosure - Loans Held for Investment - By Region (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails" roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails">
        <link:definition>9955544 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Allowance and Recorded Investments in Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails" roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails">
        <link:definition>9955545 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails" roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails">
        <link:definition>9955546 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Amortized Cost Basis of Financing Receivables with Loan Modifications (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails" roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails">
        <link:definition>9955547 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Financing Receivable, Modified, Subsequent Default (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails" roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails">
        <link:definition>9955548 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Payment Status (Amortized Cost Basis) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails" roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails">
        <link:definition>9955549 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Age Analysis of Past Due Loans Delinquencies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails" roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails">
        <link:definition>9955550 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Loan Portfolio Stratified by Key Credit Quality Indicators (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesandUnfundedLoanCommitmentsAccruedInterestReceivableDetail" roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAccruedInterestReceivableDetail">
        <link:definition>9955551 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Accrued Interest Receivable (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails" roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails">
        <link:definition>9955552 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Schedule of Allowance for Credit Losses and Recorded Investments in Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails" roleURI="http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails">
        <link:definition>9955553 - Disclosure - Premises and Equipment, Net - Schedule of Premises and Equipment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PremisesandEquipmentNetNarrativeDetails" roleURI="http://www.salliemae.com/role/PremisesandEquipmentNetNarrativeDetails">
        <link:definition>9955554 - Disclosure - Premises and Equipment, Net -Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GoodwillandAcquiredIntangibleAssetsNarrativeDetails" roleURI="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails">
        <link:definition>9955555 - Disclosure - Goodwill and Acquired Intangible Assets - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails" roleURI="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails">
        <link:definition>9955556 - Disclosure - Goodwill and Acquired Intangible Assets - Schedule of Acquired Intangible Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DepositsSummaryofTotalDepositsDetails" roleURI="http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails">
        <link:definition>9955557 - Disclosure - Deposits - Summary of Total Deposits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DepositsNarrativeDetails" roleURI="http://www.salliemae.com/role/DepositsNarrativeDetails">
        <link:definition>9955558 - Disclosure - Deposits -Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DepositsInterestBearingDepositsDetails" roleURI="http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails">
        <link:definition>9955559 - Disclosure - Deposits - Interest Bearing Deposits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DepositsCertificatesofDepositsMaturitiesDetails" roleURI="http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails">
        <link:definition>9955560 - Disclosure - Deposits - Certificates of Deposits Maturities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowingsCompanyBorrowingsDetails" roleURI="http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails">
        <link:definition>9955561 - Disclosure - Borrowings - Company Borrowings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowingsShorttermBorrowingsNarrativeDetails" roleURI="http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails">
        <link:definition>9955562 - Disclosure - Borrowings - Short-term Borrowings Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowingsLongTermBorrowingsNarrativeDetails" roleURI="http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails">
        <link:definition>9955563 - Disclosure - Borrowings - Long Term Borrowings Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowingsSummaryofOutstandingBorrowingsDetails" roleURI="http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails">
        <link:definition>9955564 - Disclosure - Borrowings - Summary of Outstanding Borrowings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowingsStatedMaturityandMaturitytoCallDateDetails" roleURI="http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails">
        <link:definition>9955565 - Disclosure - Borrowings - Stated Maturity and Maturity to Call Date (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowingsSecuredFinancingDetails" roleURI="http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails">
        <link:definition>9955566 - Disclosure - Borrowings - Secured Financing (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowingsFinancingVIEsDetails" roleURI="http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails">
        <link:definition>9955567 - Disclosure - Borrowings - Financing VIEs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowingsUnconsolidatedVIEsNarrativeDetails" roleURI="http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails">
        <link:definition>9955568 - Disclosure - Borrowings - Unconsolidated VIEs Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowingsSecuritiesFinancingTransactionsDetails" roleURI="http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails">
        <link:definition>9955569 - Disclosure - Borrowings - Securities Financing Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails" roleURI="http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails">
        <link:definition>9955570 - Disclosure - Borrowings - Summary of Exposure Related to Unconsolidated VIEs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowingsOtherBorrowingSourcesNarrativeDetails" roleURI="http://www.salliemae.com/role/BorrowingsOtherBorrowingSourcesNarrativeDetails">
        <link:definition>9955571 - Disclosure - Borrowings - Other Borrowing Sources Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsNarrativeDetails" roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails">
        <link:definition>9955572 - Disclosure - Derivative Financial Instruments - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails" roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails">
        <link:definition>9955573 - Disclosure - Derivative Financial Instruments - Impact of Derivatives on Consolidated Balance Sheet (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails" roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails">
        <link:definition>9955574 - Disclosure - Derivative Financial Instruments - Offsetting Assets and Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsNotionalValuesDetails" roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails">
        <link:definition>9955575 - Disclosure - Derivative Financial Instruments - Notional Values (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails" roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails">
        <link:definition>9955576 - Disclosure - Derivative Financial Instruments - Schedule of Hedged Items Recorded in Statement of Financial Position (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails" roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails">
        <link:definition>9955577 - Disclosure - Derivative Financial Instruments - Impact of Derivatives on Consolidated Statements of Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails" roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails">
        <link:definition>9955578 - Disclosure - Derivative Financial Instruments - Impact of Derivatives on Consolidated Statement of Changes in Stockholders' Equity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquityPreferredStockDetails" roleURI="http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails">
        <link:definition>9955579 - Disclosure - Stockholders' Equity - Preferred Stock (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquityCommonStockDetails" roleURI="http://www.salliemae.com/role/StockholdersEquityCommonStockDetails">
        <link:definition>9955580 - Disclosure - Stockholders' Equity - Common Stock (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquityCommonStockDividendsDetails" roleURI="http://www.salliemae.com/role/StockholdersEquityCommonStockDividendsDetails">
        <link:definition>9955581 - Disclosure - Stockholders' Equity - Common Stock Dividends (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquityShareRepurchasesDetails" roleURI="http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails">
        <link:definition>9955582 - Disclosure - Stockholders' Equity - Share Repurchases (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockholdersEquityScheduleofCommonShareRepurchasesDetails" roleURI="http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails">
        <link:definition>9955583 - Disclosure - Stockholders' Equity - Schedule of Common Share Repurchases (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EarningsPerCommonShareDetails" roleURI="http://www.salliemae.com/role/EarningsPerCommonShareDetails">
        <link:definition>9955584 - Disclosure - Earnings Per Common Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockBasedCompensationPlansandArrangementsNarrativeDetails" roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails">
        <link:definition>9955585 - Disclosure - Stock-Based Compensation Plans and Arrangements - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockBasedCompensationPlansandArrangementsStockOptionActivityDetails" roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails">
        <link:definition>9955586 - Disclosure - Stock-Based Compensation Plans and Arrangements - Stock Option Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails" roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails">
        <link:definition>9955587 - Disclosure - Stock-Based Compensation Plans and Arrangements - Restricted Stock and Performance Stock Unit Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails" roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails">
        <link:definition>9955588 - Disclosure - Stock-Based Compensation Plans and Arrangements - Employee Stock Purchase Plan (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail" roleURI="http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail">
        <link:definition>9955589 - Disclosure - Fair Value Measurements - Valuation of Financial Instruments that are Marked-to-Market on Recurring Basis (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails" roleURI="http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails">
        <link:definition>9955590 - Disclosure - Fair Value Measurements - Fair Value Measurement Inputs and Valuation Techniques (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails" roleURI="http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails">
        <link:definition>9955591 - Disclosure - Fair Value Measurements - Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail" roleURI="http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail">
        <link:definition>9955592 - Disclosure - Fair Value Measurements - Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsNarrativeDetails" roleURI="http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails">
        <link:definition>9955593 - Disclosure - Fair Value Measurements - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RegulatoryCapitalNarrativeDetails" roleURI="http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails">
        <link:definition>9955594 - Disclosure - Regulatory Capital - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RegulatoryCapitalAdjustedTransitionAmountsDetails" roleURI="http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails">
        <link:definition>9955595 - Disclosure - Regulatory Capital - Adjusted Transition Amounts (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails" roleURI="http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails">
        <link:definition>9955596 - Disclosure - Regulatory Capital - U.S. Basel III Regulatory Requirements (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DefinedContributionPlansDetails" roleURI="http://www.salliemae.com/role/DefinedContributionPlansDetails">
        <link:definition>9955597 - Disclosure - Defined Contribution Plans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsContingenciesandGuaranteesDetails" roleURI="http://www.salliemae.com/role/CommitmentsContingenciesandGuaranteesDetails">
        <link:definition>9955598 - Disclosure - Commitments, Contingencies and Guarantees (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails" roleURI="http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails">
        <link:definition>9955599 - Disclosure - Income Taxes - Reconciliations of Statutory U.S. Federal Income Tax Rates to Our Effective Tax Rate for Continuing Operations (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesNarrativeDetails" roleURI="http://www.salliemae.com/role/IncomeTaxesNarrativeDetails">
        <link:definition>9955600 - Disclosure - Income Taxes - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails" roleURI="http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails">
        <link:definition>9955601 - Disclosure - Income Taxes - Components of Provision for Income Tax Expense (Benefit) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails" roleURI="http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails">
        <link:definition>9955602 - Disclosure - Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails" roleURI="http://www.salliemae.com/role/IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails">
        <link:definition>9955603 - Disclosure - Income Taxes - Summary of Changes in Unrecognized Tax Benefits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConcentrationsofRiskDetails" roleURI="http://www.salliemae.com/role/ConcentrationsofRiskDetails">
        <link:definition>9955604 - Disclosure - Concentrations of Risk (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ParentOnlyStatementsBalanceSheetsDetails" roleURI="http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails">
        <link:definition>9955605 - Disclosure - Parent Only Statements - Balance Sheets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ParentOnlyStatementsStatementsofIncomeDetails" roleURI="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails">
        <link:definition>9955606 - Disclosure - Parent Only Statements - Statements of Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ParentOnlyStatementsStatementsofCashFlowsDetails" roleURI="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails">
        <link:definition>9955607 - Disclosure - Parent Only Statements - Statements of Cash Flows (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentReportingDetails" roleURI="http://www.salliemae.com/role/SegmentReportingDetails">
        <link:definition>9955608 - Disclosure - Segment Reporting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEventsDetails" roleURI="http://www.salliemae.com/role/SubsequentEventsDetails">
        <link:definition>9955609 - Disclosure - Subsequent Events (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="slm_CommonStockParValue20PerShareMember" abstract="true" name="CommonStockParValue20PerShareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember" abstract="true" name="FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_StockholdersEquityAttributabletoParentExcludingTreasuryStock" abstract="false" name="StockholdersEquityAttributabletoParentExcludingTreasuryStock" 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_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" abstract="false" name="FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" nillable="true" xbrli:periodType="duration" 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_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" abstract="false" name="AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" nillable="true" xbrli:periodType="duration" 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_AmortizationOfABCPUpfrontLoanFees" abstract="false" name="AmortizationOfABCPUpfrontLoanFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_InterestIncomeonTaxIndemnificationReceivable" abstract="false" name="InterestIncomeonTaxIndemnificationReceivable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PaymentsToAcquireTradingSecuritiesHeldForSale" abstract="false" name="PaymentsToAcquireTradingSecuritiesHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale" abstract="false" name="NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_ProceedsfromClaimpayments" abstract="false" name="ProceedsfromClaimpayments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale" abstract="false" name="NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale" nillable="true" xbrli:periodType="duration" 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_Netincreasedecreaseinbrokeredcertificatesofdeposit" abstract="false" name="Netincreasedecreaseinbrokeredcertificatesofdeposit" nillable="true" xbrli:periodType="duration" 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_BorrowingsCollateralizedByLoansInTrustIssued" abstract="false" name="BorrowingsCollateralizedByLoansInTrustIssued" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_BorrowingsCollateralizedByLoansInTrustRepaid" abstract="false" name="BorrowingsCollateralizedByLoansInTrustRepaid" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_NetIncreaseDecreaseinUpfrontLoanFees" abstract="false" name="NetIncreaseDecreaseinUpfrontLoanFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_TradingInvestmentReceivedInConsiderationForLoansSold" abstract="false" name="TradingInvestmentReceivedInConsiderationForLoansSold" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold" abstract="false" name="AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansHeldForSalePolicyTextBlock" abstract="false" name="LoansHeldForSalePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_RestrictedCashandInvestmentsPolicyTextBlock" abstract="false" name="RestrictedCashandInvestmentsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock" abstract="false" name="AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_AllowanceForCreditCardLoansPolicyTextBlock" abstract="false" name="AllowanceForCreditCardLoansPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock" abstract="false" name="AllowanceForFFELPLoanLossesPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_DepositsPolicyTextBlock" abstract="false" name="DepositsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_OtherIncomePolicyPolicyTextBlock" abstract="false" name="OtherIncomePolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_LoansheldforinvestmentbyRegionTableTextBlock" abstract="false" name="LoansheldforinvestmentbyRegionTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_FinancingReceivablesAmortizedCostBasisTableTextBlock" abstract="false" name="FinancingReceivablesAmortizedCostBasisTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_AccruedInterestReceivableTableTextBlock" abstract="false" name="AccruedInterestReceivableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_ScheduleofDepositsTableTextBlock" abstract="false" name="ScheduleofDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_InterestBearingDepositsTableTextBlock" abstract="false" name="InterestBearingDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock" abstract="false" name="ScheduleofMaturitiesofTimeDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" abstract="false" name="ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="slm_VerticalRiskRetentionPercentage" abstract="false" name="VerticalRiskRetentionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_CreditCardsMember" abstract="true" name="CreditCardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" abstract="false" name="PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" abstract="false" name="PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" abstract="false" name="PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" abstract="false" name="PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_ConstantPrepaymentFeeVariableRate" abstract="false" name="ConstantPrepaymentFeeVariableRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <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_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" abstract="false" name="PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_NitroCollegeMember" abstract="true" name="NitroCollegeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SchollyIncMember" abstract="true" name="SchollyIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_DepositsPeriodofNotificationforWithdrawal" abstract="false" name="DepositsPeriodofNotificationforWithdrawal" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" abstract="false" name="VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_LondonClearingHouseMember" abstract="true" name="LondonClearingHouseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" abstract="false" name="DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <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_CashduefromFederalReserveBank" abstract="false" name="CashduefromFederalReserveBank" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_InterestincomefromTermDepositFacility" abstract="false" name="InterestincomefromTermDepositFacility" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DebtSecuritiesAvailableForSaleNumberOfPositions" abstract="false" name="DebtSecuritiesAvailableForSaleNumberOfPositions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_OtherInvestmentNotReadilyMarketableGainLoss" abstract="false" name="OtherInvestmentNotReadilyMarketableGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_UtahHousingCorporationBondsMember" abstract="true" name="UtahHousingCorporationBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_Maturity2025Member" abstract="true" name="Maturity2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2026Member" abstract="true" name="Maturity2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2027Member" abstract="true" name="Maturity2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2038Member" abstract="true" name="Maturity2038Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2039Member" abstract="true" name="Maturity2039Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2042Member" abstract="true" name="Maturity2042Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2043Member" abstract="true" name="Maturity2043Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2044Member" abstract="true" name="Maturity2044Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2045Member" abstract="true" name="Maturity2045Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2046Member" abstract="true" name="Maturity2046Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2047Member" abstract="true" name="Maturity2047Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2048Member" abstract="true" name="Maturity2048Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2049Member" abstract="true" name="Maturity2049Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2050Member" abstract="true" name="Maturity2050Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2051Member" abstract="true" name="Maturity2051Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2052Member" abstract="true" name="Maturity2052Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2053Member" abstract="true" name="Maturity2053Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2054Member" abstract="true" name="Maturity2054Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2055Member" abstract="true" name="Maturity2055Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Maturity2056Member" abstract="true" name="Maturity2056Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2058Member" abstract="true" name="Maturity2058Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_PrivateEducationLoansMember" abstract="true" name="PrivateEducationLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_PercentOfPrivateLoansIndexedToLIBOROrSOFR" abstract="false" name="PercentOfPrivateLoansIndexedToLIBOROrSOFR" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_EstimatedWeightedAverageLifeOfStudentLoans" abstract="false" name="EstimatedWeightedAverageLifeOfStudentLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted" abstract="false" name="FinancingReceivableIncrementsInWhichForbearanceIsGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" abstract="false" name="FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" abstract="false" name="FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants" abstract="false" name="FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1" abstract="false" name="FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2" abstract="false" name="FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" abstract="false" name="FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration" abstract="false" name="FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_InterestRateReductionPercentage" abstract="false" name="InterestRateReductionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PeriodofLoansPastDueThatHaveAccruedInterest" abstract="false" name="PeriodofLoansPastDueThatHaveAccruedInterest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_PercentageofLoansconcentratedinmajorstates" abstract="false" name="PercentageofLoansconcentratedinmajorstates" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PercentageofAggregateOutstandingLoansHeldForInvestment" abstract="false" name="PercentageofAggregateOutstandingLoansHeldForInvestment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_FinancingReceivableSalePrincipal" abstract="false" name="FinancingReceivableSalePrincipal" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableSaleCapitalizedInterest" abstract="false" name="FinancingReceivableSaleCapitalizedInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_WeightedAverageInterestRateonLoans" abstract="false" name="WeightedAverageInterestRateonLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_LoansheldforinvestmentbyRegionTable" abstract="true" name="LoansheldforinvestmentbyRegionTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="slm_LoansheldforinvestmentbyRegionLineItems" abstract="true" name="LoansheldforinvestmentbyRegionLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_PercentageofLoansheldinstate" abstract="false" name="PercentageofLoansheldinstate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_AllowanceForCreditLossesAbstract" abstract="true" name="AllowanceForCreditLossesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AllowanceAbstract" abstract="true" name="AllowanceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_AllowanceForCreditLossExcludingAccruedInterest" abstract="false" name="AllowanceForCreditLossExcludingAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AccruedInterestToBeCapitalizedAbstract" abstract="true" name="AccruedInterestToBeCapitalizedAbstract" 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-types1:percentItemType"/>
  <xs:element id="slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" abstract="false" name="AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" abstract="false" name="AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <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_AllowanceCoverageOfChargeOffsAverageLoansInRepayment" abstract="false" name="AllowanceCoverageOfChargeOffsAverageLoansInRepayment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableCreditLossExpenseReversalNewCommitments" abstract="false" name="FinancingReceivableCreditLossExpenseReversalNewCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments" abstract="false" name="FinancingReceivableCreditLossExpenseReversalExistingCommitments" nillable="true" xbrli:periodType="duration" 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_FinancingReceivableCreditLossExpenseReversalOtherImpacts" abstract="false" name="FinancingReceivableCreditLossExpenseReversalOtherImpacts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable" abstract="true" name="ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems" abstract="true" name="ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" abstract="false" name="FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold" abstract="false" name="FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_TierOneofGovernmentGuarantee" abstract="false" name="TierOneofGovernmentGuarantee" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants" abstract="false" name="FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount" abstract="false" name="FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" abstract="false" name="ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_InterestRateReductionAndTermExtensionMember" abstract="true" name="InterestRateReductionAndTermExtensionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" abstract="false" name="LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_FinancingReceivableChangeInContractualRate" abstract="false" name="FinancingReceivableChangeInContractualRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_WeightedAverageLifeOfLoans" abstract="false" name="WeightedAverageLifeOfLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" abstract="true" name="FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_LoanDefermentMember" abstract="true" name="LoanDefermentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_CreditQualityIndicatorsAxis" abstract="true" name="CreditQualityIndicatorsAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="slm_CreditQualityIndicatorsDomain" abstract="true" name="CreditQualityIndicatorsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_LoansInSchoolGraceDefermentMember" abstract="true" name="LoansInSchoolGraceDefermentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_LoansInForbearanceMember" abstract="true" name="LoansInForbearanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" 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_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_LoansInRepaymentOriginatedInCurrentFiscalYear" abstract="false" name="LoansInRepaymentOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" 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_LoansInRepaymentBeforeAllowanceForCreditLoss" abstract="false" name="LoansInRepaymentBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" abstract="false" name="LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" abstract="false" name="LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" abstract="false" name="NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" abstract="false" name="NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" abstract="false" name="NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" 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_LoansOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="LoansOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_LoansOriginatedThreeYearsBeforeLatestFiscalYear" abstract="false" name="LoansOriginatedThreeYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_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_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" 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_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" 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_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" 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_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" abstract="false" name="PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepayment" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepayment" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" abstract="false" name="LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_CosignerMember" abstract="true" name="CosignerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_WithCosignerMember" abstract="true" name="WithCosignerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_WithoutCosignerMember" abstract="true" name="WithoutCosignerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SchoolFicoMember" abstract="true" name="SchoolFicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SchoolFICORefreshedAmountsMember" abstract="true" name="SchoolFICORefreshedAmountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_RepaymentsMember" abstract="true" name="RepaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_FICOscorelessthan670Member" abstract="true" name="FICOscorelessthan670Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_FICOscore670699Member" abstract="true" name="FICOscore670699Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_FICOscore700749Member" abstract="true" name="FICOscore700749Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_FICOscoregreaterthan750Member" abstract="true" name="FICOscoregreaterthan750Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember" abstract="true" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_PercentOfBalanceAbstract" abstract="true" name="PercentOfBalanceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_PercentOfPrivateLoans" abstract="false" name="PercentOfPrivateLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PrivateEducationLoansAtOrigination" abstract="false" name="PrivateEducationLoansAtOrigination" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" abstract="false" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" abstract="false" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" abstract="false" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" abstract="false" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" abstract="false" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" abstract="false" name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_PrivateEducationLoansGrossPercentage" abstract="false" name="PrivateEducationLoansGrossPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" abstract="false" name="FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_GreaterThanNinetyDaysPastDueAccruedInterestReceivable" abstract="false" name="GreaterThanNinetyDaysPastDueAccruedInterestReceivable" 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_AccruedInterestReceivableNotExpectedToBeCapitalized" abstract="false" name="AccruedInterestReceivableNotExpectedToBeCapitalized" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses" abstract="false" name="AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_UnfundedCommitmentsAbstract" abstract="true" name="UnfundedCommitmentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" abstract="false" name="FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PartnerRelationshipsMember" abstract="true" name="PartnerRelationshipsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Sallie.comDomainMember" abstract="true" name="Sallie.comDomainMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_RetailandOtherDeposits" abstract="false" name="RetailandOtherDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_BrokeredDepositPlacementFee" abstract="false" name="BrokeredDepositPlacementFee" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_PrivateEducationLoanSecuritizationMember" abstract="true" name="PrivateEducationLoanSecuritizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_ABCPBorrowingsMember" abstract="true" name="ABCPBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_FloatingRateBorrowingsMember" abstract="true" name="FloatingRateBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_ResidualInterestPercentageOfFacilityTrust" abstract="false" name="ResidualInterestPercentageOfFacilityTrust" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_SeniorUnsecuredNotesDueOctober292025Member" abstract="true" name="SeniorUnsecuredNotesDueOctober292025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SeniorUnsecuredNotesDueNovember22026Member" abstract="true" name="SeniorUnsecuredNotesDueNovember22026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SMBPrivateEducationLoanTrust2024CMember" abstract="true" name="SMBPrivateEducationLoanTrust2024CMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_SMBPrivateEducationLoanTrust2024EMember" abstract="true" name="SMBPrivateEducationLoanTrust2024EMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_SMBPrivateEducationLoanTrust2024FMember" abstract="true" name="SMBPrivateEducationLoanTrust2024FMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_SMBPrivateEducationLoanTrust2023AMember" abstract="true" name="SMBPrivateEducationLoanTrust2023AMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SMBPrivateEducationLoanTrust2023CMember" abstract="true" name="SMBPrivateEducationLoanTrust2023CMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_ABSTransactionsMember" abstract="true" name="ABSTransactionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember" abstract="true" name="SeniorUnsecuredNotesDueFebruaryXX2028MemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_DebtInstrumentIssuancePricePercentage" abstract="false" name="DebtInstrumentIssuancePricePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <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_LoansPledgedAsCollateralCapitalizedInterest" abstract="false" name="LoansPledgedAsCollateralCapitalizedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FixedRateBorrowingsMember" abstract="true" name="FixedRateBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_LongTermDebtWeightedAverageOutstandingBalance" abstract="false" name="LongTermDebtWeightedAverageOutstandingBalance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_BrokeredDepositsMember" abstract="true" name="BrokeredDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SecuredBorrowingsMember" abstract="true" name="SecuredBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_HedgeAccountingAdjustment" abstract="false" name="HedgeAccountingAdjustment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DebtInstrumentFaceAmountAfterAdjustments" abstract="false" name="DebtInstrumentFaceAmountAfterAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DebtInstrumentLoansTransferred" abstract="false" name="DebtInstrumentLoansTransferred" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_CarryingAmountOfAssetsSecuringDebtOutstandingLoans" abstract="false" name="CarryingAmountOfAssetsSecuringDebtOutstandingLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_SMBPrivateEducationLoanTrust2024R1Member" abstract="true" name="SMBPrivateEducationLoanTrust2024R1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_SMBPrivateEducationLoanTrust2024BMember" abstract="true" name="SMBPrivateEducationLoanTrust2024BMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_SMBPrivateEducationLoanTrust2024DMember" abstract="true" name="SMBPrivateEducationLoanTrust2024DMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_SMBPrivateEducationLoanTrust2023BMember" abstract="true" name="SMBPrivateEducationLoanTrust2023BMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_SMBPrivateEducationLoanTrust2023DMember" abstract="true" name="SMBPrivateEducationLoanTrust2023DMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_SMBPrivateEducationLoanTrust2024AMember" abstract="true" name="SMBPrivateEducationLoanTrust2024AMember" 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_Lendablevalueofcollateral" abstract="false" name="Lendablevalueofcollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet" abstract="false" name="DerivativeCashCollateralHeldRelativetoDerivativeExposureNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset" abstract="false" name="DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" abstract="false" name="ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_LondonInterbankOfferedRateLIBOR1Member" abstract="true" name="LondonInterbankOfferedRateLIBOR1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_ThreeMonthLIBORMember" abstract="true" name="ThreeMonthLIBORMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_CommonSharesUnissuedButEncumbered" abstract="false" name="CommonSharesUnissuedButEncumbered" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="slm_A2020ShareRepurchaseProgramMember" abstract="true" name="A2020ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_A2021ShareRepurchaseProgramMember" abstract="true" name="A2021ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_A2022ShareRepurchaseProgramMember" abstract="true" name="A2022ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Rule10b51TradingPlanMember" abstract="true" name="Rule10b51TradingPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased" abstract="false" name="StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" abstract="false" name="TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="slm_NumeratorAbstract" abstract="true" name="NumeratorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_DenominatorAbstract" abstract="true" name="DenominatorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_A2021OmnibusIncentivePlanMember" abstract="true" name="A2021OmnibusIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_EmployeeStockPurchasePlanMember" abstract="true" name="EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_PerformanceVestingStockOptionsMember" abstract="true" name="PerformanceVestingStockOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_NumberofCompensationPlans" abstract="false" name="NumberofCompensationPlans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_OfferingPeriodOfEmployeeStockPurchasePlan" abstract="false" name="OfferingPeriodOfEmployeeStockPurchasePlan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_RestrictedStockUnitsAndPerformanceStockUnitsMember" abstract="true" name="RestrictedStockUnitsAndPerformanceStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <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_MoneyMarketandSavingsAccountsMember" abstract="true" name="MoneyMarketandSavingsAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_AccruedInterestReceivableFairValueDisclosure" abstract="false" name="AccruedInterestReceivableFairValueDisclosure" 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_AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" abstract="false" name="AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue" abstract="false" name="LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ExcessOfNetAssetFairValueOverCarryingValue" abstract="false" name="ExcessOfNetAssetFairValueOverCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" abstract="false" name="PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="slm_AdoptionOfNewAccountingPronouncementsPercentDeferred" abstract="false" name="AdoptionOfNewAccountingPronouncementsPercentDeferred" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember" abstract="true" name="CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_TierOneCommonEquityCapitaltoRiskWeightedAssets" abstract="false" name="TierOneCommonEquityCapitaltoRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <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_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" abstract="false" name="TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="slm_SallieMae401kSavingsPlanMember" abstract="true" name="SallieMae401kSavingsPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="slm_Type1ofDefinedContributionPlan" abstract="false" name="Type1ofDefinedContributionPlan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <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_OperatingLossCarryforwardsCapitalLoss" abstract="false" name="OperatingLossCarryforwardsCapitalLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_CapitalLossValuationAllowance" abstract="false" name="CapitalLossValuationAllowance" 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"/>
  <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_DeferredTaxAssetsOtherIncludingValuationAllowance" abstract="false" name="DeferredTaxAssetsOtherIncludingValuationAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DeferredTaxLiabilitiesFederalDeferredforStateReceivable" abstract="false" name="DeferredTaxLiabilitiesFederalDeferredforStateReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_BrokeredDepositPercent" abstract="false" name="BrokeredDepositPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_DuefromSubsidiaresNet" abstract="false" name="DuefromSubsidiaresNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_NonInterestIncomeLoss" abstract="false" name="NonInterestIncomeLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" abstract="false" name="IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_Undistributedearningsofsubsidiaries" abstract="false" name="Undistributedearningsofsubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet" abstract="false" name="DecreaseIncreaseInInvestmentsInSubsidiariesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_IncreaseDecreaseinDuefromSubsidiariesNet" abstract="false" name="IncreaseDecreaseinDuefromSubsidiariesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ReportableSegmentMember" abstract="true" name="ReportableSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FinancingReceivableSaleAccruedInterest" abstract="false" name="FinancingReceivableSaleAccruedInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>11
<FILENAME>slm-20241231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2025 Workiva-->
<!--r:d7bf8150-4bdd-417e-9e46-96e27e8baee9,g:88ad62bb-29b1-4f6c-af5f-5e3caa83611d-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDBALANCESHEETS"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_c274d199-bed0-4a83-869d-95bbe5f8ef49" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_2f0a46fb-7498-4928-a28f-60ea75512635" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c274d199-bed0-4a83-869d-95bbe5f8ef49" xlink:to="loc_us-gaap_OtherLiabilities_2f0a46fb-7498-4928-a28f-60ea75512635" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_ba00ab37-7c4d-4fa4-b6da-e9c74a5346df" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c274d199-bed0-4a83-869d-95bbe5f8ef49" xlink:to="loc_us-gaap_LongTermDebt_ba00ab37-7c4d-4fa4-b6da-e9c74a5346df" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_7fd1cc22-5a36-49c5-92af-7f3f1e9f187d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Deposits"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c274d199-bed0-4a83-869d-95bbe5f8ef49" xlink:to="loc_us-gaap_Deposits_7fd1cc22-5a36-49c5-92af-7f3f1e9f187d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_4903b1f1-fc59-40c9-86d4-cde8c68f31d2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Investments"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_f9bec8e4-61d0-4ad9-a9f1-768e301d17d4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_4903b1f1-fc59-40c9-86d4-cde8c68f31d2" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_f9bec8e4-61d0-4ad9-a9f1-768e301d17d4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_0e0a5c34-1e28-4913-b610-55df9c939620" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_4903b1f1-fc59-40c9-86d4-cde8c68f31d2" xlink:to="loc_us-gaap_TradingSecuritiesDebt_0e0a5c34-1e28-4913-b610-55df9c939620" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInvestments_c69ec7b6-cb07-4bc3-968b-6d3e55b00cc0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherInvestments"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_4903b1f1-fc59-40c9-86d4-cde8c68f31d2" xlink:to="loc_us-gaap_OtherInvestments_c69ec7b6-cb07-4bc3-968b-6d3e55b00cc0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_4676332c-d58c-4761-9202-99cb1bd83dbc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_bde53a77-a562-4608-8b5f-ff41f11d8aa9" xlink:href="slm-20241231.xsd#slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_4676332c-d58c-4761-9202-99cb1bd83dbc" xlink:to="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_bde53a77-a562-4608-8b5f-ff41f11d8aa9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_71494bfc-21da-4b7f-b3c2-be9f904f0fc2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_4676332c-d58c-4761-9202-99cb1bd83dbc" xlink:to="loc_us-gaap_TreasuryStockCommonValue_71494bfc-21da-4b7f-b3c2-be9f904f0fc2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_b85de658-ab9d-45f6-a41f-40a51410920b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_33dcc8f5-684c-4019-97b6-806f5221d397" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_b85de658-ab9d-45f6-a41f-40a51410920b" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_33dcc8f5-684c-4019-97b6-806f5221d397" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_f468d967-9211-4a3f-bb33-581d3086fc52" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_b85de658-ab9d-45f6-a41f-40a51410920b" xlink:to="loc_us-gaap_OtherAssets_f468d967-9211-4a3f-bb33-581d3086fc52" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndInvestments_2682ac3f-1c57-4d0b-8c0c-cc332f256a49" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAndInvestments"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_b85de658-ab9d-45f6-a41f-40a51410920b" xlink:to="loc_us-gaap_RestrictedCashAndInvestments_2682ac3f-1c57-4d0b-8c0c-cc332f256a49" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_66dff245-384e-43c0-bb67-95356b5cddcc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_b85de658-ab9d-45f6-a41f-40a51410920b" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_66dff245-384e-43c0-bb67-95356b5cddcc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_cfd0dc3a-857b-459d-9944-6aa94837d73f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_b85de658-ab9d-45f6-a41f-40a51410920b" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_cfd0dc3a-857b-459d-9944-6aa94837d73f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_ed804cb7-4d97-4f6e-8749-614ac89d1304" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Investments"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_b85de658-ab9d-45f6-a41f-40a51410920b" xlink:to="loc_us-gaap_Investments_ed804cb7-4d97-4f6e-8749-614ac89d1304" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_22217efb-1905-47dc-9cf1-727d431cb089" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestReceivable"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_b85de658-ab9d-45f6-a41f-40a51410920b" xlink:to="loc_us-gaap_InterestReceivable_22217efb-1905-47dc-9cf1-727d431cb089" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInterestEarningAssets_602e2de1-4524-4889-a635-9b9f72540215" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherInterestEarningAssets"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_b85de658-ab9d-45f6-a41f-40a51410920b" xlink:to="loc_us-gaap_OtherInterestEarningAssets_602e2de1-4524-4889-a635-9b9f72540215" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReceivable_b96a9b23-6cdd-4baf-975e-3c5ca094e988" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxReceivable"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_b85de658-ab9d-45f6-a41f-40a51410920b" xlink:to="loc_us-gaap_IncomeTaxReceivable_b96a9b23-6cdd-4baf-975e-3c5ca094e988" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_f2907411-a0b0-459f-a342-2f52aea87469" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_b85de658-ab9d-45f6-a41f-40a51410920b" xlink:to="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_f2907411-a0b0-459f-a342-2f52aea87469" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_7be9071b-845b-49dd-9d98-ce37729b67b7" xlink:href="slm-20241231.xsd#slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_3e24d5d3-3bec-4579-b1f0-0b02fdbcc318" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_7be9071b-845b-49dd-9d98-ce37729b67b7" xlink:to="loc_us-gaap_CommonStockValue_3e24d5d3-3bec-4579-b1f0-0b02fdbcc318" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_676ade63-d37c-4189-b6f8-4463a9b542c9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_7be9071b-845b-49dd-9d98-ce37729b67b7" xlink:to="loc_us-gaap_AdditionalPaidInCapital_676ade63-d37c-4189-b6f8-4463a9b542c9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_c71408b6-9329-42e6-8377-26ac0c5d62a2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_7be9071b-845b-49dd-9d98-ce37729b67b7" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_c71408b6-9329-42e6-8377-26ac0c5d62a2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_19bcc94c-2885-4993-adad-542df69809f1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_7be9071b-845b-49dd-9d98-ce37729b67b7" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_19bcc94c-2885-4993-adad-542df69809f1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValueOutstanding_3d9b7964-1ca5-4927-b9ff-1c382b17734f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockValueOutstanding"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_7be9071b-845b-49dd-9d98-ce37729b67b7" xlink:to="loc_us-gaap_PreferredStockValueOutstanding_3d9b7964-1ca5-4927-b9ff-1c382b17734f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_b608c1a4-45c1-4605-9981-8a131d2f34b3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_1b9d1daf-f964-46ac-9d6f-ccb7b4dadc28" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_b608c1a4-45c1-4605-9981-8a131d2f34b3" xlink:to="loc_us-gaap_Liabilities_1b9d1daf-f964-46ac-9d6f-ccb7b4dadc28" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_b45e8aeb-9aad-45b2-9b19-a288185ca37d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_b608c1a4-45c1-4605-9981-8a131d2f34b3" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_b45e8aeb-9aad-45b2-9b19-a288185ca37d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_7651526d-d08a-4139-8a25-b9a4c91906d7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_b608c1a4-45c1-4605-9981-8a131d2f34b3" xlink:to="loc_us-gaap_CommitmentsAndContingencies_7651526d-d08a-4139-8a25-b9a4c91906d7" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDSTATEMENTSOFINCOME"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_6826a03a-1b8c-48d2-8af9-9ce520c0035f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits_eb2e34df-f4e8-4483-9fc4-1fe20b9491ef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_6826a03a-1b8c-48d2-8af9-9ce520c0035f" xlink:to="loc_us-gaap_InterestExpenseDeposits_eb2e34df-f4e8-4483-9fc4-1fe20b9491ef" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseShortTermBorrowings_24bb28bc-c0dc-414a-9364-8c2978ec3f87" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseShortTermBorrowings"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_6826a03a-1b8c-48d2-8af9-9ce520c0035f" xlink:to="loc_us-gaap_InterestExpenseShortTermBorrowings_24bb28bc-c0dc-414a-9364-8c2978ec3f87" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseLongTermDebt_6f9cdfb4-f6c3-43e0-9691-e51aea850d22" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseLongTermDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_6826a03a-1b8c-48d2-8af9-9ce520c0035f" xlink:to="loc_us-gaap_InterestExpenseLongTermDebt_6f9cdfb4-f6c3-43e0-9691-e51aea850d22" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_bdccd7b6-1a71-4737-9fb8-5ab2d627e9a0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_9f1caaa8-8941-479b-8ea7-eb28b72e06d5" xlink:href="slm-20241231.xsd#slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_bdccd7b6-1a71-4737-9fb8-5ab2d627e9a0" xlink:to="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_9f1caaa8-8941-479b-8ea7-eb28b72e06d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets_e759170b-d6ef-4100-b152-6c56378ed604" xlink:href="slm-20241231.xsd#slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_bdccd7b6-1a71-4737-9fb8-5ab2d627e9a0" xlink:to="loc_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets_e759170b-d6ef-4100-b152-6c56378ed604" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_309e1a0a-a4a0-48bc-a0d0-4c903eefbdee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_7d2900f1-df0b-45df-a581-422b58f790af" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_309e1a0a-a4a0-48bc-a0d0-4c903eefbdee" xlink:to="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_7d2900f1-df0b-45df-a581-422b58f790af" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_2af27a83-461b-4672-abc6-1da6d90763a2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_309e1a0a-a4a0-48bc-a0d0-4c903eefbdee" xlink:to="loc_us-gaap_NoninterestIncome_2af27a83-461b-4672-abc6-1da6d90763a2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_2206a1e0-93ed-4fe3-a1fe-84d13461843f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestExpense"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_309e1a0a-a4a0-48bc-a0d0-4c903eefbdee" xlink:to="loc_us-gaap_NoninterestExpense_2206a1e0-93ed-4fe3-a1fe-84d13461843f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets_d0950aee-8717-48ef-aa3e-f48f0c38cbab" xlink:href="slm-20241231.xsd#slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_fb57ce90-1833-4ce2-bce1-4f2fae77360b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets_d0950aee-8717-48ef-aa3e-f48f0c38cbab" xlink:to="loc_us-gaap_LaborAndRelatedExpense_fb57ce90-1833-4ce2-bce1-4f2fae77360b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoninterestExpense_733fd1f4-a5f1-4ba5-9606-b20fa241055c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherNoninterestExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets_d0950aee-8717-48ef-aa3e-f48f0c38cbab" xlink:to="loc_us-gaap_OtherNoninterestExpense_733fd1f4-a5f1-4ba5-9606-b20fa241055c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_365c9f7c-9211-4a08-9998-146a3fc78c09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets_d0950aee-8717-48ef-aa3e-f48f0c38cbab" xlink:to="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_365c9f7c-9211-4a08-9998-146a3fc78c09" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_d92dd3b7-4a84-4343-ae27-0ebdc80a60a4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_60fc6867-ee02-45be-99e6-6ec83032dbe4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_d92dd3b7-4a84-4343-ae27-0ebdc80a60a4" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_60fc6867-ee02-45be-99e6-6ec83032dbe4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating_a98a0a59-8f78-41d6-8307-44f24a324e1b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_d92dd3b7-4a84-4343-ae27-0ebdc80a60a4" xlink:to="loc_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating_a98a0a59-8f78-41d6-8307-44f24a324e1b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CashAndInvestmentsInterestIncomeLoss_6fca8f1e-d380-4aff-a3b6-0cf463a16fc4" xlink:href="slm-20241231.xsd#slm_CashAndInvestmentsInterestIncomeLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_d92dd3b7-4a84-4343-ae27-0ebdc80a60a4" xlink:to="loc_slm_CashAndInvestmentsInterestIncomeLoss_6fca8f1e-d380-4aff-a3b6-0cf463a16fc4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_cac61184-d8b0-4e0c-8dc7-e5a8853f0646" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_00f68568-0c5a-4de3-bcbb-93269a87e8f3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_cac61184-d8b0-4e0c-8dc7-e5a8853f0646" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_00f68568-0c5a-4de3-bcbb-93269a87e8f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_76cd2d10-65e9-47b0-bde7-d4ab6a3b1652" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseOperating"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_cac61184-d8b0-4e0c-8dc7-e5a8853f0646" xlink:to="loc_us-gaap_InterestExpenseOperating_76cd2d10-65e9-47b0-bde7-d4ab6a3b1652" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_7bae02cf-2997-45ff-a4c5-0d097a2b591b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_7b07918f-2a4d-4984-9c13-b4e63268e2d1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_7bae02cf-2997-45ff-a4c5-0d097a2b591b" xlink:to="loc_us-gaap_ProfitLoss_7b07918f-2a4d-4984-9c13-b4e63268e2d1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_52ac1689-fce4-46fd-b67b-cafbb9d7e77b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_7bae02cf-2997-45ff-a4c5-0d097a2b591b" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_52ac1689-fce4-46fd-b67b-cafbb9d7e77b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_e8c7a25e-4277-453f-9808-9c0b019b25e6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_30e61811-45a8-4cd9-8285-45f124230796" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_e8c7a25e-4277-453f-9808-9c0b019b25e6" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_30e61811-45a8-4cd9-8285-45f124230796" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_b97fc08b-6b14-40f5-82a5-ee829b66a051" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_e8c7a25e-4277-453f-9808-9c0b019b25e6" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_b97fc08b-6b14-40f5-82a5-ee829b66a051" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_681f09c2-8596-48dc-be7c-027cc64c26ec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_eec62107-146e-498c-b030-b94667411f53" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_681f09c2-8596-48dc-be7c-027cc64c26ec" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_eec62107-146e-498c-b030-b94667411f53" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnDerivativeInstrumentsNetPretax_cedc747e-7a49-47ab-944a-baec03f57a03" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnDerivativeInstrumentsNetPretax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_681f09c2-8596-48dc-be7c-027cc64c26ec" xlink:to="loc_us-gaap_GainLossOnDerivativeInstrumentsNetPretax_cedc747e-7a49-47ab-944a-baec03f57a03" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_bb98d53f-d722-4518-940e-fbc07e2fa70c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_681f09c2-8596-48dc-be7c-027cc64c26ec" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_bb98d53f-d722-4518-940e-fbc07e2fa70c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_363628c7-ea37-41fa-a43e-89b5dabf3790" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_681f09c2-8596-48dc-be7c-027cc64c26ec" xlink:to="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_363628c7-ea37-41fa-a43e-89b5dabf3790" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_dd4f1a58-4142-4b86-8b69-d4077c06620d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_a1a00863-aca1-401b-b66e-a9a8fa5f31cc" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_dd4f1a58-4142-4b86-8b69-d4077c06620d" xlink:to="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_a1a00863-aca1-401b-b66e-a9a8fa5f31cc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_ba033bd4-49d2-43ec-98ea-157dbb0362b4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_dd4f1a58-4142-4b86-8b69-d4077c06620d" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_ba033bd4-49d2-43ec-98ea-157dbb0362b4" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_64442e04-39df-4e69-a536-b56fb4cca3cb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_29527577-9ac2-4a9b-b3b5-bf862ecf8d06" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_64442e04-39df-4e69-a536-b56fb4cca3cb" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_29527577-9ac2-4a9b-b3b5-bf862ecf8d06" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTax_ec2d61f4-5ed9-48f2-bc0c-f0fe2d8763a6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_64442e04-39df-4e69-a536-b56fb4cca3cb" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTax_ec2d61f4-5ed9-48f2-bc0c-f0fe2d8763a6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_5615b8e7-2370-403f-9d2f-8d7c83d5fa7c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_5e53faf9-fcd0-40aa-9833-b020bd8490d7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_5615b8e7-2370-403f-9d2f-8d7c83d5fa7c" xlink:to="loc_us-gaap_ProfitLoss_5e53faf9-fcd0-40aa-9833-b020bd8490d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_84f738d7-5536-44e6-b787-75a421c7b032" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_5615b8e7-2370-403f-9d2f-8d7c83d5fa7c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_84f738d7-5536-44e6-b787-75a421c7b032" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_f2b81e35-331e-4f6f-99b8-1e19db648003" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_dca2dc98-edca-466e-9471-b61a25a3c783" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_f2b81e35-331e-4f6f-99b8-1e19db648003" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_dca2dc98-edca-466e-9471-b61a25a3c783" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_216bdc6f-1c24-4571-9944-ba082c38f78e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_f2b81e35-331e-4f6f-99b8-1e19db648003" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_216bdc6f-1c24-4571-9944-ba082c38f78e" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDSTATEMENTSOFCASHFLOWS"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_4dffdf2d-d370-42fb-8116-ddf2408ec83b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale_71178bca-7e28-4ada-b6fd-e600daf7b334" xlink:href="slm-20241231.xsd#slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_4dffdf2d-d370-42fb-8116-ddf2408ec83b" xlink:to="loc_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale_71178bca-7e28-4ada-b6fd-e600daf7b334" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_b849f128-f35e-47c2-9c79-dcf6840abe58" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_4dffdf2d-d370-42fb-8116-ddf2408ec83b" xlink:to="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_b849f128-f35e-47c2-9c79-dcf6840abe58" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_6d6ef60e-b4d0-4a05-89c4-472909446bc7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_4dffdf2d-d370-42fb-8116-ddf2408ec83b" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_6d6ef60e-b4d0-4a05-89c4-472909446bc7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale_fdb99c3b-c7ba-4c93-879f-fe55a3cbe7ee" xlink:href="slm-20241231.xsd#slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_4dffdf2d-d370-42fb-8116-ddf2408ec83b" xlink:to="loc_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale_fdb99c3b-c7ba-4c93-879f-fe55a3cbe7ee" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_bea08dcf-fae2-4ed4-ad6f-db3f94878858" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_4dffdf2d-d370-42fb-8116-ddf2408ec83b" xlink:to="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_bea08dcf-fae2-4ed4-ad6f-db3f94878858" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ProceedsfromClaimpayments_8f1d7bf5-907f-4f49-b9c7-525dcc0b9a0d" xlink:href="slm-20241231.xsd#slm_ProceedsfromClaimpayments"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_4dffdf2d-d370-42fb-8116-ddf2408ec83b" xlink:to="loc_slm_ProceedsfromClaimpayments_8f1d7bf5-907f-4f49-b9c7-525dcc0b9a0d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StudentLoansacquiredandoriginated_c79203d5-3317-4044-8046-22519297ea17" xlink:href="slm-20241231.xsd#slm_StudentLoansacquiredandoriginated"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_4dffdf2d-d370-42fb-8116-ddf2408ec83b" xlink:to="loc_slm_StudentLoansacquiredandoriginated_c79203d5-3317-4044-8046-22519297ea17" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_a1aa473c-ce28-48e1-9b89-3d6a5ff88a8c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_73729ce5-d9cb-4362-99fb-4ed0bd149d79" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_a1aa473c-ce28-48e1-9b89-3d6a5ff88a8c" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_73729ce5-d9cb-4362-99fb-4ed0bd149d79" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndInvestments_dd530bc5-81b3-4bc4-8d40-5d1ea22b4e29" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAndInvestments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_a1aa473c-ce28-48e1-9b89-3d6a5ff88a8c" xlink:to="loc_us-gaap_RestrictedCashAndInvestments_dd530bc5-81b3-4bc4-8d40-5d1ea22b4e29" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_8efd03a8-dfea-44e7-86ff-ca1ae56b94e0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_4e98b00a-8ee2-4f35-b089-c6f6cf0ed8bd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_8efd03a8-dfea-44e7-86ff-ca1ae56b94e0" xlink:to="loc_us-gaap_ProfitLoss_4e98b00a-8ee2-4f35-b089-c6f6cf0ed8bd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_cd6efd76-fb7d-4b32-93e6-1a5285bbdcd9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_8efd03a8-dfea-44e7-86ff-ca1ae56b94e0" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_cd6efd76-fb7d-4b32-93e6-1a5285bbdcd9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4bc7f542-1f14-4364-893a-8cb1258da18b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_02960c96-674c-4758-a535-e17c4b5d2d7a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4bc7f542-1f14-4364-893a-8cb1258da18b" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_02960c96-674c-4758-a535-e17c4b5d2d7a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1950f25f-f683-4af5-8f7f-adedf745d783" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4bc7f542-1f14-4364-893a-8cb1258da18b" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1950f25f-f683-4af5-8f7f-adedf745d783" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_4ab3abc2-5685-4680-9fce-416aeeed51d0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4bc7f542-1f14-4364-893a-8cb1258da18b" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_4ab3abc2-5685-4680-9fce-416aeeed51d0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_1a0dc721-c4fe-4bbc-9cc3-8749ac3dabd3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_1a0dc721-c4fe-4bbc-9cc3-8749ac3dabd3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationofBrokeredDepositPlacement_4636bdb5-0af0-4bb4-9b40-11d1a89aa67f" xlink:href="slm-20241231.xsd#slm_AmortizationofBrokeredDepositPlacement"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_slm_AmortizationofBrokeredDepositPlacement_4636bdb5-0af0-4bb4-9b40-11d1a89aa67f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_9e373835-97ec-4d84-91c6-ff1854bbef75" xlink:href="slm-20241231.xsd#slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_9e373835-97ec-4d84-91c6-ff1854bbef75" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_2f3636b1-a303-4b7b-a8f4-84a698e6bcfe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Depreciation"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_Depreciation_2f3636b1-a303-4b7b-a8f4-84a698e6bcfe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets_c77f4db8-35f6-4923-842d-36fe77e14596" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets_c77f4db8-35f6-4923-842d-36fe77e14596" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfABCPUpfrontLoanFees_3311d3e3-1593-43bd-b38a-5ba2b70f1ca6" xlink:href="slm-20241231.xsd#slm_AmortizationOfABCPUpfrontLoanFees"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_slm_AmortizationOfABCPUpfrontLoanFees_3311d3e3-1593-43bd-b38a-5ba2b70f1ca6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_3772e95a-812e-4a33-b04a-df82448ae1d1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_3772e95a-812e-4a33-b04a-df82448ae1d1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_c4f10fa7-aa53-49fc-93b7-2add2751252a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_c4f10fa7-aa53-49fc-93b7-2add2751252a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_8f035be6-4b6c-46b5-9be7-c245c482ec37" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_8f035be6-4b6c-46b5-9be7-c245c482ec37" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfAcquisitionCosts_69e784d0-c9fc-4982-98be-dfe295d2e816" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfAcquisitionCosts"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_AmortizationOfAcquisitionCosts_69e784d0-c9fc-4982-98be-dfe295d2e816" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_bcdb75f8-8257-4112-ad9e-68bc84a5020d" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_bcdb75f8-8257-4112-ad9e-68bc84a5020d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_361275b9-938a-4aeb-833b-5f26ff7da80a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_361275b9-938a-4aeb-833b-5f26ff7da80a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnDerivatives_999e255e-4d56-416c-a73b-75f52fd9ffed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrealizedGainLossOnDerivatives"/>
    <link:calculationArc order="13" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_UnrealizedGainLossOnDerivatives_999e255e-4d56-416c-a73b-75f52fd9ffed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_5af807a6-363f-44f4-9b58-ee449c3b1a9b" xlink:href="slm-20241231.xsd#slm_PaymentsToAcquireTradingSecuritiesHeldForSale"/>
    <link:calculationArc order="14" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_5af807a6-363f-44f4-9b58-ee449c3b1a9b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_a886dba1-a423-4127-9fd2-a2b4c1f6afab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="15" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_a886dba1-a423-4127-9fd2-a2b4c1f6afab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi_09ea0c4a-675e-4d6d-85c9-eb9bf116f81f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi"/>
    <link:calculationArc order="16" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi_09ea0c4a-675e-4d6d-85c9-eb9bf116f81f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestIncomeonTaxIndemnificationReceivable_50bd8efd-feb8-44f1-9f88-4b78623ff667" xlink:href="slm-20241231.xsd#slm_InterestIncomeonTaxIndemnificationReceivable"/>
    <link:calculationArc order="17" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_slm_InterestIncomeonTaxIndemnificationReceivable_50bd8efd-feb8-44f1-9f88-4b78623ff667" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_83af22a5-42f5-4cd1-8351-6e977883c66f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet"/>
    <link:calculationArc order="18" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_83af22a5-42f5-4cd1-8351-6e977883c66f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_730edd04-e302-4965-910b-c75a613b6d48" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="19" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_ShareBasedCompensation_730edd04-e302-4965-910b-c75a613b6d48" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_941127d5-24d7-4796-b4db-2bbf10a5cb45" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:calculationArc order="20" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_941127d5-24d7-4796-b4db-2bbf10a5cb45" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_0f6b96e6-b7b2-4950-87bc-7f3dab9a83f2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:calculationArc order="21" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_0f6b96e6-b7b2-4950-87bc-7f3dab9a83f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_c81293f8-7770-4d7e-9477-259ba2f4c48a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="22" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_c81293f8-7770-4d7e-9477-259ba2f4c48a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_7c2c557a-c815-4054-8f02-a4225ee84472" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:calculationArc order="23" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_1b4ea959-7c98-4c31-ba41-af8f4627f7d1" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_7c2c557a-c815-4054-8f02-a4225ee84472" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_ac538d6b-ff4e-43c1-b301-3cd87ad59ed5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_607f0224-5326-4faf-99ef-6084c44947a5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_ac538d6b-ff4e-43c1-b301-3cd87ad59ed5" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_607f0224-5326-4faf-99ef-6084c44947a5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Cashpaidforbrokereddepositplacementfee_1c0263f9-0277-4a98-b941-4745a4d4f301" xlink:href="slm-20241231.xsd#slm_Cashpaidforbrokereddepositplacementfee"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_ac538d6b-ff4e-43c1-b301-3cd87ad59ed5" xlink:to="loc_slm_Cashpaidforbrokereddepositplacementfee_1c0263f9-0277-4a98-b941-4745a4d4f301" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit_83a372d0-2650-4301-85af-a31909f1b731" xlink:href="slm-20241231.xsd#slm_Netincreasedecreaseinbrokeredcertificatesofdeposit"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_ac538d6b-ff4e-43c1-b301-3cd87ad59ed5" xlink:to="loc_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit_83a372d0-2650-4301-85af-a31909f1b731" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetincreaseinMMDAdeposits_26bd4c08-b1c5-4442-afd0-9da7f0fa802d" xlink:href="slm-20241231.xsd#slm_NetincreaseinMMDAdeposits"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_ac538d6b-ff4e-43c1-b301-3cd87ad59ed5" xlink:to="loc_slm_NetincreaseinMMDAdeposits_26bd4c08-b1c5-4442-afd0-9da7f0fa802d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BorrowingsCollateralizedByLoansInTrustIssued_cae290a0-f253-4797-97cb-b8ea2a6a447f" xlink:href="slm-20241231.xsd#slm_BorrowingsCollateralizedByLoansInTrustIssued"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_ac538d6b-ff4e-43c1-b301-3cd87ad59ed5" xlink:to="loc_slm_BorrowingsCollateralizedByLoansInTrustIssued_cae290a0-f253-4797-97cb-b8ea2a6a447f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BorrowingsCollateralizedByLoansInTrustRepaid_bf233dd7-a975-42ad-be0b-9f4d598f25c1" xlink:href="slm-20241231.xsd#slm_BorrowingsCollateralizedByLoansInTrustRepaid"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_ac538d6b-ff4e-43c1-b301-3cd87ad59ed5" xlink:to="loc_slm_BorrowingsCollateralizedByLoansInTrustRepaid_bf233dd7-a975-42ad-be0b-9f4d598f25c1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetIncreaseDecreaseinUpfrontLoanFees_c5c5c06d-547c-4e1d-a549-bb11494e9916" xlink:href="slm-20241231.xsd#slm_NetIncreaseDecreaseinUpfrontLoanFees"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_ac538d6b-ff4e-43c1-b301-3cd87ad59ed5" xlink:to="loc_slm_NetIncreaseDecreaseinUpfrontLoanFees_c5c5c06d-547c-4e1d-a549-bb11494e9916" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_bb8f3e48-0ced-4751-a5e3-fe94c07cb5ea" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_ac538d6b-ff4e-43c1-b301-3cd87ad59ed5" xlink:to="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_bb8f3e48-0ced-4751-a5e3-fe94c07cb5ea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_32bfc88a-d033-4242-91a7-ec5f42bda956" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_ac538d6b-ff4e-43c1-b301-3cd87ad59ed5" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_32bfc88a-d033-4242-91a7-ec5f42bda956" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_cc18389c-db25-4d18-b2e8-a1033da193ef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_ac538d6b-ff4e-43c1-b301-3cd87ad59ed5" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_cc18389c-db25-4d18-b2e8-a1033da193ef" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_a333a1cb-034f-4c09-85ca-a794a95a76c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_cc174dea-d263-4925-80a3-f2f5aa3f09e9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_a333a1cb-034f-4c09-85ca-a794a95a76c3" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_cc174dea-d263-4925-80a3-f2f5aa3f09e9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_d756ea33-31d9-45f3-b24a-404a84ab1963" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_a333a1cb-034f-4c09-85ca-a794a95a76c3" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_d756ea33-31d9-45f3-b24a-404a84ab1963" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_09529095-66d0-4c5b-b241-063cb80affbb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_74f81c12-869e-4998-be86-2c1ee1bc353c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_09529095-66d0-4c5b-b241-063cb80affbb" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_74f81c12-869e-4998-be86-2c1ee1bc353c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_0a9e9ae8-fb5c-4357-90c1-35db006b9e81" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_09529095-66d0-4c5b-b241-063cb80affbb" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_0a9e9ae8-fb5c-4357-90c1-35db006b9e81" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableSale_266b2d5e-4302-4b0a-9174-a71577be9e20" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableSale"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSaleCapitalizedInterest_15ab7daf-c02d-478c-b425-dfd3a0f0630a" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSaleCapitalizedInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableSale_266b2d5e-4302-4b0a-9174-a71577be9e20" xlink:to="loc_slm_FinancingReceivableSaleCapitalizedInterest_15ab7daf-c02d-478c-b425-dfd3a0f0630a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSalePrincipal_fc0c4d96-a2a5-4957-923a-c4892d0efca9" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSalePrincipal"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableSale_266b2d5e-4302-4b0a-9174-a71577be9e20" xlink:to="loc_slm_FinancingReceivableSalePrincipal_fc0c4d96-a2a5-4957-923a-c4892d0efca9" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentByRegionDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofLoansconcentratedinmajorstates_4fb9a0ae-41e1-4ce0-b865-1e63a5f0e476" xlink:href="slm-20241231.xsd#slm_PercentageofLoansconcentratedinmajorstates"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofLoansheldinstate_3663eed4-e5ad-4dda-b528-91dcac9130f2" xlink:href="slm-20241231.xsd#slm_PercentageofLoansheldinstate"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_PercentageofLoansconcentratedinmajorstates_4fb9a0ae-41e1-4ce0-b865-1e63a5f0e476" xlink:to="loc_slm_PercentageofLoansheldinstate_3663eed4-e5ad-4dda-b528-91dcac9130f2" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalCommitments_851c2f73-aebe-47cb-91d5-350c590ef0e7" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalCommitments"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments_3d827b6d-359f-46ff-aefa-faf833b78d28" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalNewCommitments"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableCreditLossExpenseReversalCommitments_851c2f73-aebe-47cb-91d5-350c590ef0e7" xlink:to="loc_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments_3d827b6d-359f-46ff-aefa-faf833b78d28" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments_aeb5199a-a50f-465f-a83f-cf2f73598266" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableCreditLossExpenseReversalCommitments_851c2f73-aebe-47cb-91d5-350c590ef0e7" xlink:to="loc_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments_aeb5199a-a50f-465f-a83f-cf2f73598266" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_cfd28476-7c3f-48d5-8842-fa9dcd6a72c2" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts_19cc2a9c-89df-47d0-b41c-3d6e41cb5a0e" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_cfd28476-7c3f-48d5-8842-fa9dcd6a72c2" xlink:to="loc_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts_19cc2a9c-89df-47d0-b41c-3d6e41cb5a0e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalCommitments_54986e89-7be5-438a-a09f-3bfa9a69d645" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalCommitments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_cfd28476-7c3f-48d5-8842-fa9dcd6a72c2" xlink:to="loc_slm_FinancingReceivableCreditLossExpenseReversalCommitments_54986e89-7be5-438a-a09f-3bfa9a69d645" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_7000ec60-b29c-4c4b-806b-d725a2f8ff64" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear_b4764cfd-7ee2-453d-a387-adead4a5edc3" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_7000ec60-b29c-4c4b-806b-d725a2f8ff64" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear_b4764cfd-7ee2-453d-a387-adead4a5edc3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_0d2e70fe-539a-42f1-9578-45db0c2156c0" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_7000ec60-b29c-4c4b-806b-d725a2f8ff64" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_0d2e70fe-539a-42f1-9578-45db0c2156c0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear_e71ee772-b148-4b46-8cac-0fc38b9f1f66" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_7000ec60-b29c-4c4b-806b-d725a2f8ff64" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear_e71ee772-b148-4b46-8cac-0fc38b9f1f66" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_05b5d0cf-8687-472c-856c-a4aadde4ab1b" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_7000ec60-b29c-4c4b-806b-d725a2f8ff64" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_05b5d0cf-8687-472c-856c-a4aadde4ab1b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_18551a68-cac8-4dd4-bf8b-4035040148e9" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_7000ec60-b29c-4c4b-806b-d725a2f8ff64" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_18551a68-cac8-4dd4-bf8b-4035040148e9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_13f9c120-0703-4230-92a4-4484e8afc376" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_7000ec60-b29c-4c4b-806b-d725a2f8ff64" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_13f9c120-0703-4230-92a4-4484e8afc376" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansBeforeAllowanceForCreditLoss_34a49fab-4d18-49ba-943e-f9c8545264d2" xlink:href="slm-20241231.xsd#slm_LoansBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear_2889f5ee-bc91-4395-89a5-e74b90f0d1f2" xlink:href="slm-20241231.xsd#slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansBeforeAllowanceForCreditLoss_34a49fab-4d18-49ba-943e-f9c8545264d2" xlink:to="loc_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear_2889f5ee-bc91-4395-89a5-e74b90f0d1f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_7ae95868-c5bb-45d1-9464-5a08b9850adf" xlink:href="slm-20241231.xsd#slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansBeforeAllowanceForCreditLoss_34a49fab-4d18-49ba-943e-f9c8545264d2" xlink:to="loc_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_7ae95868-c5bb-45d1-9464-5a08b9850adf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear_77e08851-df6e-4228-95bf-eaf37c370ffe" xlink:href="slm-20241231.xsd#slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansBeforeAllowanceForCreditLoss_34a49fab-4d18-49ba-943e-f9c8545264d2" xlink:to="loc_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear_77e08851-df6e-4228-95bf-eaf37c370ffe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear_870cacbd-a30b-4fbc-8b61-c144636a89fa" xlink:href="slm-20241231.xsd#slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansBeforeAllowanceForCreditLoss_34a49fab-4d18-49ba-943e-f9c8545264d2" xlink:to="loc_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear_870cacbd-a30b-4fbc-8b61-c144636a89fa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear_6b945323-8333-452a-a86c-cac31b9ed0a3" xlink:href="slm-20241231.xsd#slm_LoansOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansBeforeAllowanceForCreditLoss_34a49fab-4d18-49ba-943e-f9c8545264d2" xlink:to="loc_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear_6b945323-8333-452a-a86c-cac31b9ed0a3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedInCurrentFiscalYear_3ed08139-cc25-4e2e-be34-655112a45b8b" xlink:href="slm-20241231.xsd#slm_LoansOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansBeforeAllowanceForCreditLoss_34a49fab-4d18-49ba-943e-f9c8545264d2" xlink:to="loc_slm_LoansOriginatedInCurrentFiscalYear_3ed08139-cc25-4e2e-be34-655112a45b8b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_e5697c79-a4b3-4939-87c9-777b1964eb86" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_1c471e11-aef6-46b8-8b39-ba5f7a37c63e" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_e5697c79-a4b3-4939-87c9-777b1964eb86" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_1c471e11-aef6-46b8-8b39-ba5f7a37c63e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_3052a03c-7e6b-48a8-a12e-1528df9b4904" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_e5697c79-a4b3-4939-87c9-777b1964eb86" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_3052a03c-7e6b-48a8-a12e-1528df9b4904" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_7f09e5ef-222d-4b16-9eaf-1539b2f836f5" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_e5697c79-a4b3-4939-87c9-777b1964eb86" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_7f09e5ef-222d-4b16-9eaf-1539b2f836f5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_5ceb37a4-6cda-4ff9-b349-b75f46fe988f" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_e5697c79-a4b3-4939-87c9-777b1964eb86" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_5ceb37a4-6cda-4ff9-b349-b75f46fe988f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear_18d56d63-255c-46c6-bea2-be25e4dd21b0" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_e5697c79-a4b3-4939-87c9-777b1964eb86" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear_18d56d63-255c-46c6-bea2-be25e4dd21b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear_39879456-c86f-458a-b7b5-00986968e31d" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_e5697c79-a4b3-4939-87c9-777b1964eb86" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear_39879456-c86f-458a-b7b5-00986968e31d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_8e65f8d2-fbb0-4586-b264-ea0851a6e17f" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_51b38264-4813-4571-94d6-7a44084c9084" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_8e65f8d2-fbb0-4586-b264-ea0851a6e17f" xlink:to="loc_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_51b38264-4813-4571-94d6-7a44084c9084" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_a790cea2-a8e4-4312-8f9f-757a6e74f4cd" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_8e65f8d2-fbb0-4586-b264-ea0851a6e17f" xlink:to="loc_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_a790cea2-a8e4-4312-8f9f-757a6e74f4cd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedInCurrentFiscalYear_9aa19995-05b1-4003-adc8-679ded584970" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_8e65f8d2-fbb0-4586-b264-ea0851a6e17f" xlink:to="loc_slm_LoansInRepaymentOriginatedInCurrentFiscalYear_9aa19995-05b1-4003-adc8-679ded584970" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_074692c7-45c7-4009-9c2d-cb69a4ef0b63" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_8e65f8d2-fbb0-4586-b264-ea0851a6e17f" xlink:to="loc_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_074692c7-45c7-4009-9c2d-cb69a4ef0b63" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_e6c05ec1-caab-42a3-bf3c-a6b0adca6389" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_8e65f8d2-fbb0-4586-b264-ea0851a6e17f" xlink:to="loc_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_e6c05ec1-caab-42a3-bf3c-a6b0adca6389" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_9daeb019-01ae-4758-b602-4c8aa5ba4bd3" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_8e65f8d2-fbb0-4586-b264-ea0851a6e17f" xlink:to="loc_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_9daeb019-01ae-4758-b602-4c8aa5ba4bd3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossBeforeAllowanceForCreditLoss_8e6703fc-3bb6-4cb5-9b54-48bffc4225c5" xlink:href="slm-20241231.xsd#slm_LoansGrossBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear_3b3b9e15-e057-4edd-bd5e-38a18651a1d1" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansGrossBeforeAllowanceForCreditLoss_8e6703fc-3bb6-4cb5-9b54-48bffc4225c5" xlink:to="loc_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear_3b3b9e15-e057-4edd-bd5e-38a18651a1d1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear_aab42da6-1c8e-44e3-928f-3d424aca03b9" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansGrossBeforeAllowanceForCreditLoss_8e6703fc-3bb6-4cb5-9b54-48bffc4225c5" xlink:to="loc_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear_aab42da6-1c8e-44e3-928f-3d424aca03b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedInCurrentFiscalYear_5ce16cb2-6d0c-42e5-bb2a-9bfacbe03058" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansGrossBeforeAllowanceForCreditLoss_8e6703fc-3bb6-4cb5-9b54-48bffc4225c5" xlink:to="loc_slm_LoansGrossOriginatedInCurrentFiscalYear_5ce16cb2-6d0c-42e5-bb2a-9bfacbe03058" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear_201f241a-9bee-485d-a97f-ca6087bc1208" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansGrossBeforeAllowanceForCreditLoss_8e6703fc-3bb6-4cb5-9b54-48bffc4225c5" xlink:to="loc_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear_201f241a-9bee-485d-a97f-ca6087bc1208" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear_96bb7258-8420-494f-8780-5557afed6238" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansGrossBeforeAllowanceForCreditLoss_8e6703fc-3bb6-4cb5-9b54-48bffc4225c5" xlink:to="loc_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear_96bb7258-8420-494f-8780-5557afed6238" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear_4529720d-0c09-4645-be19-28c53efce224" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_LoansGrossBeforeAllowanceForCreditLoss_8e6703fc-3bb6-4cb5-9b54-48bffc4225c5" xlink:to="loc_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear_4529720d-0c09-4645-be19-28c53efce224" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_7d069875-bec0-450b-a8f1-1b81cc2c51f1" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear_c91c0d69-3599-4b48-bf30-5eb6d34a1cfa" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_7d069875-bec0-450b-a8f1-1b81cc2c51f1" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear_c91c0d69-3599-4b48-bf30-5eb6d34a1cfa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_cb23ba0f-17b4-4ad7-b26b-8bcbef50ba31" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_7d069875-bec0-450b-a8f1-1b81cc2c51f1" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_cb23ba0f-17b4-4ad7-b26b-8bcbef50ba31" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear_004f751c-0366-416b-b2e0-6d349fb11baf" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_7d069875-bec0-450b-a8f1-1b81cc2c51f1" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear_004f751c-0366-416b-b2e0-6d349fb11baf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear_c3ec242a-4e6b-4458-8d08-6fc98a6886d0" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_7d069875-bec0-450b-a8f1-1b81cc2c51f1" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear_c3ec242a-4e6b-4458-8d08-6fc98a6886d0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear_adc47ec0-d85b-42c9-a8e8-3c538707b237" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_7d069875-bec0-450b-a8f1-1b81cc2c51f1" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear_adc47ec0-d85b-42c9-a8e8-3c538707b237" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear_86d0e69d-9d30-4c6a-ba02-c07d15bbfec4" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_7d069875-bec0-450b-a8f1-1b81cc2c51f1" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear_86d0e69d-9d30-4c6a-ba02-c07d15bbfec4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_a1438634-672c-4364-918e-0d4cc8d4f13a" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_c26e941d-18f6-4b13-87bb-b9469806ed37" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_a1438634-672c-4364-918e-0d4cc8d4f13a" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_c26e941d-18f6-4b13-87bb-b9469806ed37" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_30482363-2eb5-45ca-8096-f65c27947910" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_a1438634-672c-4364-918e-0d4cc8d4f13a" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_30482363-2eb5-45ca-8096-f65c27947910" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear_1b448d4e-0c95-4f6d-9f77-7881e9ca2afe" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_a1438634-672c-4364-918e-0d4cc8d4f13a" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear_1b448d4e-0c95-4f6d-9f77-7881e9ca2afe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_6320c7b5-25da-48e1-a2ac-2eaf30a536e6" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_a1438634-672c-4364-918e-0d4cc8d4f13a" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_6320c7b5-25da-48e1-a2ac-2eaf30a536e6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_7e0ef720-ce21-4bbf-b5b3-2b1545daa35f" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_a1438634-672c-4364-918e-0d4cc8d4f13a" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_7e0ef720-ce21-4bbf-b5b3-2b1545daa35f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear_f602b661-ba6f-460e-81e5-f9dc6754207b" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_a1438634-672c-4364-918e-0d4cc8d4f13a" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear_f602b661-ba6f-460e-81e5-f9dc6754207b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_c73692ee-c4a8-40fc-b3f9-b4bae5c64898" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_37bc4a45-de1c-4c95-a879-a1dcf443ca49" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_c73692ee-c4a8-40fc-b3f9-b4bae5c64898" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_37bc4a45-de1c-4c95-a879-a1dcf443ca49" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_350b35bc-b05c-439e-9c61-29ff9b26f833" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_c73692ee-c4a8-40fc-b3f9-b4bae5c64898" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_350b35bc-b05c-439e-9c61-29ff9b26f833" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear_2b1af6cd-8b3a-487a-843f-3b0d76ca9aa4" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_c73692ee-c4a8-40fc-b3f9-b4bae5c64898" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear_2b1af6cd-8b3a-487a-843f-3b0d76ca9aa4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_9f64025e-3749-471e-ace9-0ccdfc4c4ce2" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_c73692ee-c4a8-40fc-b3f9-b4bae5c64898" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_9f64025e-3749-471e-ace9-0ccdfc4c4ce2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_d3d919d0-c00b-4d0e-b973-f6348611311c" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_c73692ee-c4a8-40fc-b3f9-b4bae5c64898" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_d3d919d0-c00b-4d0e-b973-f6348611311c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_fa7db8f8-24b0-46d7-8d89-4a67262d0022" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_c73692ee-c4a8-40fc-b3f9-b4bae5c64898" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_fa7db8f8-24b0-46d7-8d89-4a67262d0022" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_09a9ae32-0e88-40c1-8449-5416b3582e2e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_61a040b9-7261-4d9e-b7ac-dc24b795f116" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_09a9ae32-0e88-40c1-8449-5416b3582e2e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_61a040b9-7261-4d9e-b7ac-dc24b795f116" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_ca71d1a1-db0b-412a-a271-d66a7d684c37" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_09a9ae32-0e88-40c1-8449-5416b3582e2e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_ca71d1a1-db0b-412a-a271-d66a7d684c37" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_79edeff4-6a6a-4af5-81de-23aafc03a3b3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_09a9ae32-0e88-40c1-8449-5416b3582e2e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_79edeff4-6a6a-4af5-81de-23aafc03a3b3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_fcbfe15e-b509-425d-b65e-954eade92524" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_09a9ae32-0e88-40c1-8449-5416b3582e2e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_fcbfe15e-b509-425d-b65e-954eade92524" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_0fade326-a563-450b-9230-5ae6f29926e6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_09a9ae32-0e88-40c1-8449-5416b3582e2e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_0fade326-a563-450b-9230-5ae6f29926e6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_847ce954-c305-42fe-8c33-7eb40266c320" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_09a9ae32-0e88-40c1-8449-5416b3582e2e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_847ce954-c305-42fe-8c33-7eb40266c320" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_6d647edd-5f33-47c7-88d7-9c0911527633" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear_ae00d697-b208-47bf-b2d1-27d7c518f044" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_6d647edd-5f33-47c7-88d7-9c0911527633" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear_ae00d697-b208-47bf-b2d1-27d7c518f044" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear_a7555bd6-77f4-4109-b4d4-14ca6b48440f" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_6d647edd-5f33-47c7-88d7-9c0911527633" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear_a7555bd6-77f4-4109-b4d4-14ca6b48440f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear_7f9120bd-333b-4bd0-8f6a-2c25f6d4afcf" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_6d647edd-5f33-47c7-88d7-9c0911527633" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear_7f9120bd-333b-4bd0-8f6a-2c25f6d4afcf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear_19fcd4ad-c94d-4f63-b840-894d57599020" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_6d647edd-5f33-47c7-88d7-9c0911527633" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear_19fcd4ad-c94d-4f63-b840-894d57599020" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_c864b04d-6c13-462f-bb84-d54e9c48c5f3" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_6d647edd-5f33-47c7-88d7-9c0911527633" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_c864b04d-6c13-462f-bb84-d54e9c48c5f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear_253bf5eb-1a81-406a-b186-f3eb20c3a4a0" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_6d647edd-5f33-47c7-88d7-9c0911527633" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear_253bf5eb-1a81-406a-b186-f3eb20c3a4a0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_073bd9b0-a536-4288-beb9-ceb72b52cdce" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear_958f3720-ff81-449c-ac4e-e488a0e6d550" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_073bd9b0-a536-4288-beb9-ceb72b52cdce" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear_958f3720-ff81-449c-ac4e-e488a0e6d550" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear_a5ec6a2b-21b5-4f00-a921-7044e36e8311" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_073bd9b0-a536-4288-beb9-ceb72b52cdce" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear_a5ec6a2b-21b5-4f00-a921-7044e36e8311" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear_d249bedf-d495-452a-a137-b1b35e950611" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_073bd9b0-a536-4288-beb9-ceb72b52cdce" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear_d249bedf-d495-452a-a137-b1b35e950611" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear_e721f72c-03e1-4dd0-97c4-0dbdf8f68ee8" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_073bd9b0-a536-4288-beb9-ceb72b52cdce" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear_e721f72c-03e1-4dd0-97c4-0dbdf8f68ee8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_abc472e3-ce05-4dff-b39e-7675392ce2e8" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_073bd9b0-a536-4288-beb9-ceb72b52cdce" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_abc472e3-ce05-4dff-b39e-7675392ce2e8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear_56184085-0365-4a7e-928c-8a33a8cdda62" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_073bd9b0-a536-4288-beb9-ceb72b52cdce" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear_56184085-0365-4a7e-928c-8a33a8cdda62" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansGrossPercentage_3241a063-fe37-4ea3-ba49-4adb91f5d657" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansGrossPercentage"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent_8845c1d7-12a8-4d02-aa5e-20de49a12711" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_PrivateEducationLoansGrossPercentage_3241a063-fe37-4ea3-ba49-4adb91f5d657" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent_8845c1d7-12a8-4d02-aa5e-20de49a12711" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent_7b6e5a96-c30b-4406-9564-f61c403d4375" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_PrivateEducationLoansGrossPercentage_3241a063-fe37-4ea3-ba49-4adb91f5d657" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent_7b6e5a96-c30b-4406-9564-f61c403d4375" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent_34ba2807-5b23-48f0-825c-30e2bf85bc99" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_PrivateEducationLoansGrossPercentage_3241a063-fe37-4ea3-ba49-4adb91f5d657" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent_34ba2807-5b23-48f0-825c-30e2bf85bc99" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent_3e5d3444-c8cd-4e02-bbfd-67bd591eb24d" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_PrivateEducationLoansGrossPercentage_3241a063-fe37-4ea3-ba49-4adb91f5d657" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent_3e5d3444-c8cd-4e02-bbfd-67bd591eb24d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent_c25beacf-74a0-43e5-8d0a-80440469e213" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_PrivateEducationLoansGrossPercentage_3241a063-fe37-4ea3-ba49-4adb91f5d657" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent_c25beacf-74a0-43e5-8d0a-80440469e213" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent_112a4f73-c2bb-4df5-bd47-a3f7e18c6053" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_PrivateEducationLoansGrossPercentage_3241a063-fe37-4ea3-ba49-4adb91f5d657" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent_112a4f73-c2bb-4df5-bd47-a3f7e18c6053" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_be8f9322-e101-443c-b9e5-3217adecfc2c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_09017eed-d640-44da-ad5c-df168bd28424" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_be8f9322-e101-443c-b9e5-3217adecfc2c" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_09017eed-d640-44da-ad5c-df168bd28424" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_a4c49317-18b7-4d6d-bfba-c85bc797d4f4" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_be8f9322-e101-443c-b9e5-3217adecfc2c" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_a4c49317-18b7-4d6d-bfba-c85bc797d4f4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_5dc7eb8d-9b2a-405f-b2ff-d054db433198" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_be8f9322-e101-443c-b9e5-3217adecfc2c" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_5dc7eb8d-9b2a-405f-b2ff-d054db433198" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_b517577e-d110-48da-b634-bc74c3acba1a" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_be8f9322-e101-443c-b9e5-3217adecfc2c" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_b517577e-d110-48da-b634-bc74c3acba1a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_4a9574d8-4315-467d-a6ec-a1d98751e525" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_be8f9322-e101-443c-b9e5-3217adecfc2c" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_4a9574d8-4315-467d-a6ec-a1d98751e525" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear_8a965c86-f870-422f-b84f-70b02596dd9e" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_be8f9322-e101-443c-b9e5-3217adecfc2c" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear_8a965c86-f870-422f-b84f-70b02596dd9e" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_badc9645-acfd-4ab1-8128-27848cdee079" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross_02cfd2da-775d-4043-8d1f-b419f742da2c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet_badc9645-acfd-4ab1-8128-27848cdee079" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentGross_02cfd2da-775d-4043-8d1f-b419f742da2c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_cbd076bf-ca11-48bb-8ac7-516667e801d7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet_badc9645-acfd-4ab1-8128-27848cdee079" xlink:to="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_cbd076bf-ca11-48bb-8ac7-516667e801d7" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_9c1de357-1555-4d39-866b-a1450c6992e4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_befcb3b0-0ee4-40fa-8307-bf0ae237ca49" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_9c1de357-1555-4d39-866b-a1450c6992e4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_befcb3b0-0ee4-40fa-8307-bf0ae237ca49" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_7ff630f7-ef7a-41a0-bef7-8d08a40e61c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_9c1de357-1555-4d39-866b-a1450c6992e4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_7ff630f7-ef7a-41a0-bef7-8d08a40e61c2" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DepositsSummaryofTotalDepositsDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_18eebc1f-50e6-417a-a7be-79d28a18fbbd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Deposits"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities_25fe3660-478f-45d0-b4f0-0a551de0a6da" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDepositLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_18eebc1f-50e6-417a-a7be-79d28a18fbbd" xlink:to="loc_us-gaap_InterestBearingDepositLiabilities_25fe3660-478f-45d0-b4f0-0a551de0a6da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities_b940bd81-5923-426d-8576-54d8c9e38b72" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_18eebc1f-50e6-417a-a7be-79d28a18fbbd" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilities_b940bd81-5923-426d-8576-54d8c9e38b72" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DepositsInterestBearingDepositsDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities_a39fca29-d050-4b0e-b1d5-02e0185304a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDepositLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositMoneyMarket_6593ff7a-90f6-4441-8b1f-7f1300b691dd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDomesticDepositMoneyMarket"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestBearingDepositLiabilities_a39fca29-d050-4b0e-b1d5-02e0185304a8" xlink:to="loc_us-gaap_InterestBearingDomesticDepositMoneyMarket_6593ff7a-90f6-4441-8b1f-7f1300b691dd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositSavings_2b4de48f-1e90-48db-aeb0-5c6804664b60" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDomesticDepositSavings"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestBearingDepositLiabilities_a39fca29-d050-4b0e-b1d5-02e0185304a8" xlink:to="loc_us-gaap_InterestBearingDomesticDepositSavings_2b4de48f-1e90-48db-aeb0-5c6804664b60" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositTimeDeposits_a3b4ee91-3b42-48a9-a316-3dde7d1c9c76" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDomesticDepositTimeDeposits"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestBearingDepositLiabilities_a39fca29-d050-4b0e-b1d5-02e0185304a8" xlink:to="loc_us-gaap_InterestBearingDomesticDepositTimeDeposits_a3b4ee91-3b42-48a9-a316-3dde7d1c9c76" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DepositsCertificatesofDepositsMaturitiesDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits_3f3503a3-1817-4813-8ec8-4e7b868e74dd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDeposits"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearOne_8e8f9324-4f2b-437c-9bbd-0ee379d3519e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesYearOne"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_TimeDeposits_3f3503a3-1817-4813-8ec8-4e7b868e74dd" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearOne_8e8f9324-4f2b-437c-9bbd-0ee379d3519e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearTwo_060a7f11-aeab-4e42-8b65-ae16b243ebb0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesYearTwo"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_TimeDeposits_3f3503a3-1817-4813-8ec8-4e7b868e74dd" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearTwo_060a7f11-aeab-4e42-8b65-ae16b243ebb0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearThree_1ad47eed-9785-45ee-a704-344ee782d3f1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesYearThree"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_TimeDeposits_3f3503a3-1817-4813-8ec8-4e7b868e74dd" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearThree_1ad47eed-9785-45ee-a704-344ee782d3f1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFour_1cfde8ba-4138-4f6d-88c0-40d81d2694bd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesYearFour"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_TimeDeposits_3f3503a3-1817-4813-8ec8-4e7b868e74dd" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFour_1cfde8ba-4138-4f6d-88c0-40d81d2694bd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFive_ca857931-28b8-4b7d-bbdb-b40b36de7744" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesYearFive"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_TimeDeposits_3f3503a3-1817-4813-8ec8-4e7b868e74dd" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFive_ca857931-28b8-4b7d-bbdb-b40b36de7744" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_582c0070-f814-405a-916c-f76971d41e9d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_TimeDeposits_3f3503a3-1817-4813-8ec8-4e7b868e74dd" xlink:to="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_582c0070-f814-405a-916c-f76971d41e9d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsCompanyBorrowingsDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_1af90390-dbac-4630-85e7-a7fb4ebfacb6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_5305aa76-8eac-4b27-b454-292386dfff56" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermBorrowings"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_1af90390-dbac-4630-85e7-a7fb4ebfacb6" xlink:to="loc_us-gaap_ShortTermBorrowings_5305aa76-8eac-4b27-b454-292386dfff56" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_9eaf416c-245a-4dfd-a3de-5475757a4827" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_1af90390-dbac-4630-85e7-a7fb4ebfacb6" xlink:to="loc_us-gaap_LongTermDebt_9eaf416c-245a-4dfd-a3de-5475757a4827" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsStatedMaturityandMaturitytoCallDateDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentFaceAmountAfterAdjustments_42ad1a28-b00c-44c0-9578-8714896e4c1d" xlink:href="slm-20241231.xsd#slm_DebtInstrumentFaceAmountAfterAdjustments"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_HedgeAccountingAdjustment_5a054460-f8f5-404b-9b90-08c80f27ba61" xlink:href="slm-20241231.xsd#slm_HedgeAccountingAdjustment"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_DebtInstrumentFaceAmountAfterAdjustments_42ad1a28-b00c-44c0-9578-8714896e4c1d" xlink:to="loc_slm_HedgeAccountingAdjustment_5a054460-f8f5-404b-9b90-08c80f27ba61" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_977ac2ed-f887-45da-b7f8-775d86ea9cf2" xlink:href="slm-20241231.xsd#slm_DebtInstrumentFaceAmountMaturityToCallDate"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_DebtInstrumentFaceAmountAfterAdjustments_42ad1a28-b00c-44c0-9578-8714896e4c1d" xlink:to="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_977ac2ed-f887-45da-b7f8-775d86ea9cf2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_97daacf1-f659-49e2-854e-3572a4980c85" xlink:href="slm-20241231.xsd#slm_DebtInstrumentFaceAmountMaturityToCallDate"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_7a53a765-6288-4880-9c84-70390de4492a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_97daacf1-f659-49e2-854e-3572a4980c85" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_7a53a765-6288-4880-9c84-70390de4492a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_7abedf33-d987-4e52-bcfc-6f7a634a7a62" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_97daacf1-f659-49e2-854e-3572a4980c85" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_7abedf33-d987-4e52-bcfc-6f7a634a7a62" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_f3fa30d4-a860-448e-9665-5643421371d2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_97daacf1-f659-49e2-854e-3572a4980c85" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_f3fa30d4-a860-448e-9665-5643421371d2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_6680ffcc-b0dc-43d4-a9c7-2f0bf4b00dc6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_97daacf1-f659-49e2-854e-3572a4980c85" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_6680ffcc-b0dc-43d4-a9c7-2f0bf4b00dc6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_e561920f-ae94-4bad-8e54-464460e39de2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_97daacf1-f659-49e2-854e-3572a4980c85" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_e561920f-ae94-4bad-8e54-464460e39de2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_f5296d41-48b2-49e4-ba2b-b85b1d467370" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_97daacf1-f659-49e2-854e-3572a4980c85" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_f5296d41-48b2-49e4-ba2b-b85b1d467370" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_9596a3a4-b037-422c-a9f9-c0b947b00e2e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_f2a01287-adc9-4d9a-8b3e-cc5b6656c3d2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_9596a3a4-b037-422c-a9f9-c0b947b00e2e" xlink:to="loc_us-gaap_DerivativeAssets_f2a01287-adc9-4d9a-8b3e-cc5b6656c3d2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_cdc6b0ba-b958-4ac6-b42e-27c054dbb7ea" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_9596a3a4-b037-422c-a9f9-c0b947b00e2e" xlink:to="loc_us-gaap_DerivativeLiabilities_cdc6b0ba-b958-4ac6-b42e-27c054dbb7ea" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_6e76b4f2-ba13-4483-b0ce-7600b99bd1e3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_44e707f5-a9db-4fd7-bc14-7b6f9b2fa276" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_6e76b4f2-ba13-4483-b0ce-7600b99bd1e3" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_44e707f5-a9db-4fd7-bc14-7b6f9b2fa276" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability_c2be9107-d531-4b8e-ac30-16b63bab6a66" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_6e76b4f2-ba13-4483-b0ce-7600b99bd1e3" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiability_c2be9107-d531-4b8e-ac30-16b63bab6a66" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_8a0bf352-ab61-4fb8-92c0-3398e5061a42" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_4193871b-3c9a-44c1-828d-5a1c8de17837" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_8a0bf352-ab61-4fb8-92c0-3398e5061a42" xlink:to="loc_us-gaap_DerivativeAssets_4193871b-3c9a-44c1-828d-5a1c8de17837" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset_8e90defc-9221-48e8-a692-bc2e3a3c5c5d" xlink:href="slm-20241231.xsd#slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_8a0bf352-ab61-4fb8-92c0-3398e5061a42" xlink:to="loc_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset_8e90defc-9221-48e8-a692-bc2e3a3c5c5d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_f748e72e-703c-4c4c-8623-a194db151bd6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_febb1d66-54aa-4426-8a27-584c5d8ba2c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_f748e72e-703c-4c4c-8623-a194db151bd6" xlink:to="loc_us-gaap_DerivativeLiabilities_febb1d66-54aa-4426-8a27-584c5d8ba2c2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_cfd7e157-ea65-48e3-b10c-7b519391065f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_f748e72e-703c-4c4c-8623-a194db151bd6" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_cfd7e157-ea65-48e3-b10c-7b519391065f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_195631db-78f6-4ed2-ba76-c0375d9800d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_18b85613-87ce-48de-924c-d7a989568054" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_195631db-78f6-4ed2-ba76-c0375d9800d6" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_18b85613-87ce-48de-924c-d7a989568054" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_77c1f471-a305-4955-aeab-666099fb58c0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_195631db-78f6-4ed2-ba76-c0375d9800d6" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_77c1f471-a305-4955-aeab-666099fb58c0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet_5a865909-f808-4b14-9c84-7e3fe9fe06a3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings_26227cd6-b7c5-4156-b94d-956c74756ab3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeGainLossOnDerivativeNet_5a865909-f808-4b14-9c84-7e3fe9fe06a3" xlink:to="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings_26227cd6-b7c5-4156-b94d-956c74756ab3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_d5e2d8fd-dd0c-4267-a9cd-d6dbbb50addd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeGainLossOnDerivativeNet_5a865909-f808-4b14-9c84-7e3fe9fe06a3" xlink:to="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_d5e2d8fd-dd0c-4267-a9cd-d6dbbb50addd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_a1adda3c-fe83-4e12-948e-a6bdb1f85d79" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeGainLossOnDerivativeNet_5a865909-f808-4b14-9c84-7e3fe9fe06a3" xlink:to="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_a1adda3c-fe83-4e12-948e-a6bdb1f85d79" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings_675d8602-8fd2-4665-8ebd-aecfa0590ee0" xlink:href="slm-20241231.xsd#slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeGainLossOnDerivativeNet_5a865909-f808-4b14-9c84-7e3fe9fe06a3" xlink:to="loc_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings_675d8602-8fd2-4665-8ebd-aecfa0590ee0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_1e1bc863-4d79-4751-9a05-8fe673829905" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpense"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeGainLossOnDerivativeNet_5a865909-f808-4b14-9c84-7e3fe9fe06a3" xlink:to="loc_us-gaap_InterestExpense_1e1bc863-4d79-4751-9a05-8fe673829905" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit_b02598a3-354c-43b8-932e-389c253456e9" xlink:href="slm-20241231.xsd#slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_fbb62393-c6dc-4596-896c-d48bf237827d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit_b02598a3-354c-43b8-932e-389c253456e9" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_fbb62393-c6dc-4596-896c-d48bf237827d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_972cc8e7-fde6-422e-a810-a70b6521a7f0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit_b02598a3-354c-43b8-932e-389c253456e9" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_972cc8e7-fde6-422e-a810-a70b6521a7f0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/EarningsPerCommonShareDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#EarningsPerCommonShareDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/EarningsPerCommonShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_5f3f5cd9-fb9d-4a82-8fb1-014caa9bbc76" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_a73d9b5a-35c4-4ebe-b88c-8d3bea9fbd00" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_5f3f5cd9-fb9d-4a82-8fb1-014caa9bbc76" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_a73d9b5a-35c4-4ebe-b88c-8d3bea9fbd00" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_4946e6ff-0a0e-4a63-9d5c-75d88d2a07af" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_5f3f5cd9-fb9d-4a82-8fb1-014caa9bbc76" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_4946e6ff-0a0e-4a63-9d5c-75d88d2a07af" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_13f909c5-044b-47ce-a4ac-06768bb16679" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_4a677285-a884-443b-9d79-3623e1ea774a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_13f909c5-044b-47ce-a4ac-06768bb16679" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_4a677285-a884-443b-9d79-3623e1ea774a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_7d759919-7d4f-4b26-89d1-d2edaadc28ea" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_13f909c5-044b-47ce-a4ac-06768bb16679" xlink:to="loc_us-gaap_DerivativeAssets_7d759919-7d4f-4b26-89d1-d2edaadc28ea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_60ad468e-26d6-433f-b85a-1212d7bd6c23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_13f909c5-044b-47ce-a4ac-06768bb16679" xlink:to="loc_us-gaap_TradingSecuritiesDebt_60ad468e-26d6-433f-b85a-1212d7bd6c23" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_ff717edb-1b99-4c14-87a9-59661fad120a" xlink:href="slm-20241231.xsd#slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue_700ed8b8-0b80-4d47-a66f-21027da0ea1d" xlink:href="slm-20241231.xsd#slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_ff717edb-1b99-4c14-87a9-59661fad120a" xlink:to="loc_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue_700ed8b8-0b80-4d47-a66f-21027da0ea1d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_8388fa67-aa15-4eff-bd8f-a6fe70001d1d" xlink:href="slm-20241231.xsd#slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_ff717edb-1b99-4c14-87a9-59661fad120a" xlink:to="loc_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_8388fa67-aa15-4eff-bd8f-a6fe70001d1d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_2688cd18-dbd4-45ba-ab23-b03cde84459a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_5944b4ac-e6b3-43de-8a1c-39ce78d52d68" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_2688cd18-dbd4-45ba-ab23-b03cde84459a" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_5944b4ac-e6b3-43de-8a1c-39ce78d52d68" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_36e4e2c8-e2fc-4198-aa25-1ffc29534694" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_2688cd18-dbd4-45ba-ab23-b03cde84459a" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_36e4e2c8-e2fc-4198-aa25-1ffc29534694" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_43d0ee4c-9406-4da0-8521-9e21592689e1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_2688cd18-dbd4-45ba-ab23-b03cde84459a" xlink:to="loc_us-gaap_TradingSecuritiesDebt_43d0ee4c-9406-4da0-8521-9e21592689e1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableFairValueDisclosure_7b4be88a-cff3-4a82-960c-e8aacd8e0d94" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableFairValueDisclosure"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_2688cd18-dbd4-45ba-ab23-b03cde84459a" xlink:to="loc_slm_AccruedInterestReceivableFairValueDisclosure_7b4be88a-cff3-4a82-960c-e8aacd8e0d94" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_2b69a3a1-0f22-4d1a-97f0-7d356817fa88" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_2688cd18-dbd4-45ba-ab23-b03cde84459a" xlink:to="loc_us-gaap_DerivativeAssets_2b69a3a1-0f22-4d1a-97f0-7d356817fa88" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsFairValueDisclosure_e3a66a2c-9938-418b-b8f6-35c4ea076ba1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsFairValueDisclosure"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_2688cd18-dbd4-45ba-ab23-b03cde84459a" xlink:to="loc_us-gaap_InvestmentsFairValueDisclosure_e3a66a2c-9938-418b-b8f6-35c4ea076ba1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_b6554519-a13b-4030-9386-871a830d6308" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialLiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsFairValueDisclosure_dcf38774-a1d1-463a-81c2-cc22d14119ae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_b6554519-a13b-4030-9386-871a830d6308" xlink:to="loc_us-gaap_DepositsFairValueDisclosure_dcf38774-a1d1-463a-81c2-cc22d14119ae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue_994918c6-daee-4d78-b5ed-750a067d9357" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_b6554519-a13b-4030-9386-871a830d6308" xlink:to="loc_us-gaap_LongTermDebtFairValue_994918c6-daee-4d78-b5ed-750a067d9357" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesFairValueDisclosure_275bb8e3-2b5b-4392-aacf-e33dbf9dccb7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedLiabilitiesFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_b6554519-a13b-4030-9386-871a830d6308" xlink:to="loc_us-gaap_AccruedLiabilitiesFairValueDisclosure_275bb8e3-2b5b-4392-aacf-e33dbf9dccb7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_c9d4057c-8a8b-4132-a833-819bb339018f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_b6554519-a13b-4030-9386-871a830d6308" xlink:to="loc_us-gaap_DerivativeLiabilities_c9d4057c-8a8b-4132-a833-819bb339018f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_d52083cc-be5d-4cd2-b835-d3921b9317cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_5b62a719-49f0-45a4-bb94-9f248b002921" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_d52083cc-be5d-4cd2-b835-d3921b9317cd" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_5b62a719-49f0-45a4-bb94-9f248b002921" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_754131f3-66fd-4d46-8aaf-ef3700cf8155" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_d52083cc-be5d-4cd2-b835-d3921b9317cd" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_754131f3-66fd-4d46-8aaf-ef3700cf8155" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_85ca47bf-8b15-4c62-a222-6012786701bc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_d52083cc-be5d-4cd2-b835-d3921b9317cd" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_85ca47bf-8b15-4c62-a222-6012786701bc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits_ee7e7412-b6e0-4f6a-aba1-8d888422c516" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_d52083cc-be5d-4cd2-b835-d3921b9317cd" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits_ee7e7412-b6e0-4f6a-aba1-8d888422c516" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_57a2d3cb-16ae-43e6-87b7-6f0eff4e6157" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_b404b474-d6ff-41ed-8cc2-3700f9f7e930" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_57a2d3cb-16ae-43e6-87b7-6f0eff4e6157" xlink:to="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_b404b474-d6ff-41ed-8cc2-3700f9f7e930" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_00bcf4ae-62fa-40b2-83ee-b1172932c530" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_57a2d3cb-16ae-43e6-87b7-6f0eff4e6157" xlink:to="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_00bcf4ae-62fa-40b2-83ee-b1172932c530" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_443eef35-8a5c-48c9-9842-0e20fcd51908" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_c7429708-1cbf-4bea-a3d7-ec29a9235afc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_443eef35-8a5c-48c9-9842-0e20fcd51908" xlink:to="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_c7429708-1cbf-4bea-a3d7-ec29a9235afc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_6a61745e-b37a-45e4-89e6-356bd342c27a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_443eef35-8a5c-48c9-9842-0e20fcd51908" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_6a61745e-b37a-45e4-89e6-356bd342c27a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_b4b27779-72a8-4f74-9f74-1ebb01be83f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalTaxExpenseBenefit_70b1be1d-ed56-41d1-bd92-0873c0211a49" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CurrentFederalTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_b4b27779-72a8-4f74-9f74-1ebb01be83f9" xlink:to="loc_us-gaap_CurrentFederalTaxExpenseBenefit_70b1be1d-ed56-41d1-bd92-0873c0211a49" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_b91e3c62-845b-486b-958f-f6c8f9f378fc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_b4b27779-72a8-4f74-9f74-1ebb01be83f9" xlink:to="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_b91e3c62-845b-486b-958f-f6c8f9f378fc" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_da311da7-5564-4260-abbd-da8fb7df2dfc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities_9ce86917-c5b8-49b6-b632-f31fe0343f2a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxLiabilities"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_da311da7-5564-4260-abbd-da8fb7df2dfc" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilities_9ce86917-c5b8-49b6-b632-f31fe0343f2a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsNet_e92dc82c-abff-429b-8ffc-3421f983b82a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_da311da7-5564-4260-abbd-da8fb7df2dfc" xlink:to="loc_us-gaap_DeferredTaxAssetsNet_e92dc82c-abff-429b-8ffc-3421f983b82a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsNet_b0e6ff88-4331-4363-b4ab-4d4318636a4d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost_de852e60-47a8-48f8-9f18-6b27ed562e85" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_b0e6ff88-4331-4363-b4ab-4d4318636a4d" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost_de852e60-47a8-48f8-9f18-6b27ed562e85" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxAssetsOtherIncludingValuationAllowance_7cb1f578-0a31-4d3b-b2e9-84cfb62bf4b3" xlink:href="slm-20241231.xsd#slm_DeferredTaxAssetsOtherIncludingValuationAllowance"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_b0e6ff88-4331-4363-b4ab-4d4318636a4d" xlink:to="loc_slm_DeferredTaxAssetsOtherIncludingValuationAllowance_7cb1f578-0a31-4d3b-b2e9-84cfb62bf4b3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment_2e2509b8-5f8c-4878-a9d0-e3d263c6e628" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_b0e6ff88-4331-4363-b4ab-4d4318636a4d" xlink:to="loc_us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment_2e2509b8-5f8c-4878-a9d0-e3d263c6e628" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_fc06ae90-ec2c-4fd4-9887-436f3e7cde1e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_b0e6ff88-4331-4363-b4ab-4d4318636a4d" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_fc06ae90-ec2c-4fd4-9887-436f3e7cde1e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities_860c2ef1-6b1b-41fd-941f-914040583a02" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_b0e6ff88-4331-4363-b4ab-4d4318636a4d" xlink:to="loc_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities_860c2ef1-6b1b-41fd-941f-914040583a02" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_1e88f871-88cf-4c50-a6c3-535afed9ccdd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_b0e6ff88-4331-4363-b4ab-4d4318636a4d" xlink:to="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_1e88f871-88cf-4c50-a6c3-535afed9ccdd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_f8d514a6-b52f-42cb-a44e-9eef1e91d87f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_b0e6ff88-4331-4363-b4ab-4d4318636a4d" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_f8d514a6-b52f-42cb-a44e-9eef1e91d87f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets_8e059027-d5de-4ad3-9d08-743b1a5ebc84" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_b0e6ff88-4331-4363-b4ab-4d4318636a4d" xlink:to="loc_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets_8e059027-d5de-4ad3-9d08-743b1a5ebc84" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits_81507435-eecc-43a2-8d5b-0cc6807181c7" xlink:href="slm-20241231.xsd#slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_b0e6ff88-4331-4363-b4ab-4d4318636a4d" xlink:to="loc_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits_81507435-eecc-43a2-8d5b-0cc6807181c7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities_c908714f-969b-4419-997e-cafd54cfe2ad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable_52f47390-14f4-455b-b559-00ad83d76e4b" xlink:href="slm-20241231.xsd#slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_c908714f-969b-4419-997e-cafd54cfe2ad" xlink:to="loc_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable_52f47390-14f4-455b-b559-00ad83d76e4b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_283705d1-0fa7-47d1-b154-350206ffccb1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_c908714f-969b-4419-997e-cafd54cfe2ad" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_283705d1-0fa7-47d1-b154-350206ffccb1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesOther_c144327e-9adf-4baf-b1a1-d86282038e6c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxLiabilitiesOther"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_c908714f-969b-4419-997e-cafd54cfe2ad" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesOther_c144327e-9adf-4baf-b1a1-d86282038e6c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet_22840532-298c-42fd-90de-808dd98b7580" xlink:href="slm-20241231.xsd#slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_c908714f-969b-4419-997e-cafd54cfe2ad" xlink:to="loc_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet_22840532-298c-42fd-90de-808dd98b7580" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#ParentOnlyStatementsBalanceSheetsDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_89505d78-4bf0-43e5-9f1d-0406360d0085" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_4f29045a-c835-48b1-a65c-f50ba1fac3b8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_89505d78-4bf0-43e5-9f1d-0406360d0085" xlink:to="loc_us-gaap_LongTermDebt_4f29045a-c835-48b1-a65c-f50ba1fac3b8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_3483b66f-e221-442b-9ccc-fa52d87a6266" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_89505d78-4bf0-43e5-9f1d-0406360d0085" xlink:to="loc_us-gaap_OtherLiabilities_3483b66f-e221-442b-9ccc-fa52d87a6266" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TaxesPayableCurrentAndNoncurrent_661decf6-3207-4cf4-9c75-2e70f3a73d09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TaxesPayableCurrentAndNoncurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_89505d78-4bf0-43e5-9f1d-0406360d0085" xlink:to="loc_us-gaap_TaxesPayableCurrentAndNoncurrent_661decf6-3207-4cf4-9c75-2e70f3a73d09" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_44beef14-535f-463d-ae25-74673f0a12a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_4deff18e-9636-4529-8eb9-9ab2d4f6155f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_44beef14-535f-463d-ae25-74673f0a12a8" xlink:to="loc_us-gaap_OtherAssets_4deff18e-9636-4529-8eb9-9ab2d4f6155f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DuefromSubsidiaresNet_7d5943b1-528f-49ce-803d-ccb02b204775" xlink:href="slm-20241231.xsd#slm_DuefromSubsidiaresNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_44beef14-535f-463d-ae25-74673f0a12a8" xlink:to="loc_slm_DuefromSubsidiaresNet_7d5943b1-528f-49ce-803d-ccb02b204775" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_82141392-e39a-4f8d-909f-cbabe966c6aa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_44beef14-535f-463d-ae25-74673f0a12a8" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_82141392-e39a-4f8d-909f-cbabe966c6aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InvestmentinSubsidiary_2d3bf37c-b74f-46ee-9a42-4b9468975656" xlink:href="slm-20241231.xsd#slm_InvestmentinSubsidiary"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_44beef14-535f-463d-ae25-74673f0a12a8" xlink:to="loc_slm_InvestmentinSubsidiary_2d3bf37c-b74f-46ee-9a42-4b9468975656" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#ParentOnlyStatementsStatementsofIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_a61e37ae-274b-4266-bead-c311f34bed04" xlink:href="slm-20241231.xsd#slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_11059dff-865d-48c0-96e6-b2b2b52c93e9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_a61e37ae-274b-4266-bead-c311f34bed04" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_11059dff-865d-48c0-96e6-b2b2b52c93e9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NonInterestIncomeLoss_c0f79b99-e01e-4580-9b4c-0ef0f0163f06" xlink:href="slm-20241231.xsd#slm_NonInterestIncomeLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_a61e37ae-274b-4266-bead-c311f34bed04" xlink:to="loc_slm_NonInterestIncomeLoss_c0f79b99-e01e-4580-9b4c-0ef0f0163f06" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_668e53ae-e4f8-4b38-bfaa-ac1a529ff728" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestExpense"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_a61e37ae-274b-4266-bead-c311f34bed04" xlink:to="loc_us-gaap_NoninterestExpense_668e53ae-e4f8-4b38-bfaa-ac1a529ff728" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_c701a56e-ed93-491d-a0bd-b914e724190a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_c47c49d3-798e-4c42-9f62-5928d1ac29e1" xlink:href="slm-20241231.xsd#slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_c701a56e-ed93-491d-a0bd-b914e724190a" xlink:to="loc_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_c47c49d3-798e-4c42-9f62-5928d1ac29e1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_f3cf29ed-437b-4a10-8564-0d3091852ad6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_c701a56e-ed93-491d-a0bd-b914e724190a" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_f3cf29ed-437b-4a10-8564-0d3091852ad6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_e267a0dc-d715-4f26-8be1-3f36daf96d15" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_c701a56e-ed93-491d-a0bd-b914e724190a" xlink:to="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_e267a0dc-d715-4f26-8be1-3f36daf96d15" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#ParentOnlyStatementsStatementsofCashFlowsDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_e9d4b3c4-c844-44e9-9ba5-09ac7b85d469" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_371d93d9-2226-48d9-860a-92f2a5b465b2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_e9d4b3c4-c844-44e9-9ba5-09ac7b85d469" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_371d93d9-2226-48d9-860a-92f2a5b465b2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividends_f0aa4ce5-5a67-498d-8a4a-c9d0a8bbed5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividends"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_e9d4b3c4-c844-44e9-9ba5-09ac7b85d469" xlink:to="loc_us-gaap_PaymentsOfDividends_f0aa4ce5-5a67-498d-8a4a-c9d0a8bbed5e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_5c7bebdf-a7b8-4979-8475-7aaa4a50f728" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_e9d4b3c4-c844-44e9-9ba5-09ac7b85d469" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_5c7bebdf-a7b8-4979-8475-7aaa4a50f728" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_705777d5-0b8f-47fd-ac49-c79ca3ab4988" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_e9d4b3c4-c844-44e9-9ba5-09ac7b85d469" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_705777d5-0b8f-47fd-ac49-c79ca3ab4988" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromDividendsReceived_f28438b8-4aff-44d6-bc38-08f1a0efeb2e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromDividendsReceived"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:to="loc_us-gaap_ProceedsFromDividendsReceived_f28438b8-4aff-44d6-bc38-08f1a0efeb2e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_677a684d-6e2e-4b9b-ab47-d64f3cd419c9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_677a684d-6e2e-4b9b-ab47-d64f3cd419c9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDebtDiscountPremium_53486223-cd84-4ea0-8b60-c569edd79bc9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfDebtDiscountPremium"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:to="loc_us-gaap_AmortizationOfDebtDiscountPremium_53486223-cd84-4ea0-8b60-c569edd79bc9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncreaseDecreaseinincometaxpayabletorelatedparty_c637c445-00fd-4292-a575-7be5250b75cd" xlink:href="slm-20241231.xsd#slm_IncreaseDecreaseinincometaxpayabletorelatedparty"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:to="loc_slm_IncreaseDecreaseinincometaxpayabletorelatedparty_c637c445-00fd-4292-a575-7be5250b75cd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDueToRelatedParties_8ab2f7a2-ab9f-4020-90a5-0e84ac5af516" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInDueToRelatedParties"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:to="loc_us-gaap_IncreaseDecreaseInDueToRelatedParties_8ab2f7a2-ab9f-4020-90a5-0e84ac5af516" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet_eef93169-6c85-4e10-a47f-e3e99f74c17d" xlink:href="slm-20241231.xsd#slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:to="loc_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet_eef93169-6c85-4e10-a47f-e3e99f74c17d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Undistributedearningsofsubsidiaries_bb28181a-971f-4cd5-bd5f-fbfa7758316f" xlink:href="slm-20241231.xsd#slm_Undistributedearningsofsubsidiaries"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:to="loc_slm_Undistributedearningsofsubsidiaries_bb28181a-971f-4cd5-bd5f-fbfa7758316f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfABCPUpfrontLoanFees_21ec23c5-add1-456b-98c5-f0716f6db5e7" xlink:href="slm-20241231.xsd#slm_AmortizationOfABCPUpfrontLoanFees"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:to="loc_slm_AmortizationOfABCPUpfrontLoanFees_21ec23c5-add1-456b-98c5-f0716f6db5e7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestIncomeonTaxIndemnificationReceivable_7e4f3af0-b6d3-4764-95ae-613639458474" xlink:href="slm-20241231.xsd#slm_InterestIncomeonTaxIndemnificationReceivable"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:to="loc_slm_InterestIncomeonTaxIndemnificationReceivable_7e4f3af0-b6d3-4764-95ae-613639458474" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_d2b4955e-4c0e-492f-a645-7b1c22777392" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_d2b4955e-4c0e-492f-a645-7b1c22777392" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncreaseDecreaseinDuefromSubsidiariesNet_dc0aaa0f-73c9-481c-a674-3db5d6535f08" xlink:href="slm-20241231.xsd#slm_IncreaseDecreaseinDuefromSubsidiariesNet"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:to="loc_slm_IncreaseDecreaseinDuefromSubsidiariesNet_dc0aaa0f-73c9-481c-a674-3db5d6535f08" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_270bf758-4c0d-490e-af89-fb18eaebc814" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4c55bc4c-5c0f-4dc2-b06e-a60a5255c4fa" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_270bf758-4c0d-490e-af89-fb18eaebc814" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SegmentReportingDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SegmentReportingDetails"/>
  <link:calculationLink xlink:role="http://www.salliemae.com/role/SegmentReportingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_050b82c3-5957-4f45-97eb-b9c1e8a4b8e4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_4e648342-1191-4584-aa55-b082f815cfe5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfessionalFees"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_050b82c3-5957-4f45-97eb-b9c1e8a4b8e4" xlink:to="loc_us-gaap_ProfessionalFees_4e648342-1191-4584-aa55-b082f815cfe5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_384d97a1-4a70-4da4-b67e-a5873060acdd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_050b82c3-5957-4f45-97eb-b9c1e8a4b8e4" xlink:to="loc_us-gaap_LaborAndRelatedExpense_384d97a1-4a70-4da4-b67e-a5873060acdd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InformationTechnologyAndDataProcessing_adaacbcf-3ee6-4779-bd27-d2655bd48a5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InformationTechnologyAndDataProcessing"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_050b82c3-5957-4f45-97eb-b9c1e8a4b8e4" xlink:to="loc_us-gaap_InformationTechnologyAndDataProcessing_adaacbcf-3ee6-4779-bd27-d2655bd48a5e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherExpenses_7dd2768b-3036-4415-b37a-d34055136770" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherExpenses"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_050b82c3-5957-4f45-97eb-b9c1e8a4b8e4" xlink:to="loc_us-gaap_OtherExpenses_7dd2768b-3036-4415-b37a-d34055136770" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_5aeaf14e-53d8-41ca-9503-1ea0d1e2a351" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_050b82c3-5957-4f45-97eb-b9c1e8a4b8e4" xlink:to="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_5aeaf14e-53d8-41ca-9503-1ea0d1e2a351" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_9289919c-3962-4c9c-902c-58124fda1915" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_4dff3930-41ba-4ab5-945a-421ae3ff1828" xlink:href="slm-20241231.xsd#slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_9289919c-3962-4c9c-902c-58124fda1915" xlink:to="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_4dff3930-41ba-4ab5-945a-421ae3ff1828" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_ee697498-6863-47b4-bcb3-ccea9529ad09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingExpenses"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_9289919c-3962-4c9c-902c-58124fda1915" xlink:to="loc_us-gaap_OperatingExpenses_ee697498-6863-47b4-bcb3-ccea9529ad09" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>12
<FILENAME>slm-20241231_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2025 Workiva-->
<!--r:d7bf8150-4bdd-417e-9e46-96e27e8baee9,g:88ad62bb-29b1-4f6c-af5f-5e3caa83611d-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
  <link:roleRef roleURI="http://www.salliemae.com/role/CoverPage" xlink:type="simple" xlink:href="slm-20241231.xsd#CoverPage"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/CoverPage" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentInformationLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable_8be2c9bb-e9e9-499b-8c2d-bfa4f1ba8a13" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentInformationTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentInformationTable_8be2c9bb-e9e9-499b-8c2d-bfa4f1ba8a13" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_578c530e-1882-47c6-9c2a-68d71de2fdea" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_dei_DocumentInformationTable_8be2c9bb-e9e9-499b-8c2d-bfa4f1ba8a13" xlink:to="loc_us-gaap_StatementClassOfStockAxis_578c530e-1882-47c6-9c2a-68d71de2fdea" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_578c530e-1882-47c6-9c2a-68d71de2fdea_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_578c530e-1882-47c6-9c2a-68d71de2fdea" xlink:to="loc_us-gaap_ClassOfStockDomain_578c530e-1882-47c6-9c2a-68d71de2fdea_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_ea51864c-94fd-43b1-92e7-ec71363259bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_578c530e-1882-47c6-9c2a-68d71de2fdea" xlink:to="loc_us-gaap_ClassOfStockDomain_ea51864c-94fd-43b1-92e7-ec71363259bf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CommonStockParValue20PerShareMember_9be54930-5460-4d57-8f40-20e4afc5ed8e" xlink:href="slm-20241231.xsd#slm_CommonStockParValue20PerShareMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_ea51864c-94fd-43b1-92e7-ec71363259bf" xlink:to="loc_slm_CommonStockParValue20PerShareMember_9be54930-5460-4d57-8f40-20e4afc5ed8e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember_429f85be-3d69-4064-b93a-b53b1672c891" xlink:href="slm-20241231.xsd#slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_ea51864c-94fd-43b1-92e7-ec71363259bf" xlink:to="loc_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember_429f85be-3d69-4064-b93a-b53b1672c891" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_4f676766-64bf-4d10-a102-65bee0694f4c" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentType"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentType_4f676766-64bf-4d10-a102-65bee0694f4c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentAnnualReport_312ab6d5-297e-46bc-9000-f642a6031277" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentAnnualReport"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentAnnualReport_312ab6d5-297e-46bc-9000-f642a6031277" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_9f3cda03-215e-431f-a6d5-7f1de88ed3d3" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentPeriodEndDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentPeriodEndDate_9f3cda03-215e-431f-a6d5-7f1de88ed3d3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_0ac85a99-e340-4671-a0cb-dbaf490c3dd3" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_CurrentFiscalYearEndDate_0ac85a99-e340-4671-a0cb-dbaf490c3dd3" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_e5d670e0-8b14-4ffa-9beb-252296ff2c95" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentTransitionReport"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentTransitionReport_e5d670e0-8b14-4ffa-9beb-252296ff2c95" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_a1b592d8-e0e7-42f4-98f0-868aaf40b727" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFileNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityFileNumber_a1b592d8-e0e7-42f4-98f0-868aaf40b727" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_19588fd0-1b40-4331-8eb6-fd53f8362380" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityRegistrantName"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityRegistrantName_19588fd0-1b40-4331-8eb6-fd53f8362380" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_0f97572b-fba8-47ab-932b-4b23dbeea394" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityIncorporationStateCountryCode_0f97572b-fba8-47ab-932b-4b23dbeea394" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_06c6b555-1683-4234-9a67-ec5f007b434b" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityTaxIdentificationNumber_06c6b555-1683-4234-9a67-ec5f007b434b" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_f9d7d490-4ba8-4a17-baa5-bb6687caa762" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityAddressAddressLine1_f9d7d490-4ba8-4a17-baa5-bb6687caa762" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_20069509-10a2-457e-b7c1-fb9a1334ee95" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCityOrTown"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityAddressCityOrTown_20069509-10a2-457e-b7c1-fb9a1334ee95" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_748ade70-9cd8-4beb-949e-38709b973db8" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressStateOrProvince"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityAddressStateOrProvince_748ade70-9cd8-4beb-949e-38709b973db8" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_c96ec8fa-5cfd-4c60-8b95-8cb2bb06c1e1" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressPostalZipCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityAddressPostalZipCode_c96ec8fa-5cfd-4c60-8b95-8cb2bb06c1e1" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_b0edbacb-bb6f-4822-8e15-83deebe1e343" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CityAreaCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_CityAreaCode_b0edbacb-bb6f-4822-8e15-83deebe1e343" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_61a4c47a-46d8-42b6-ac5a-537e714457f0" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_LocalPhoneNumber_61a4c47a-46d8-42b6-ac5a-537e714457f0" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_05288186-433e-41ab-8656-0cbd71c33d3d" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_Security12bTitle"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_Security12bTitle_05288186-433e-41ab-8656-0cbd71c33d3d" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_0eeaef1a-3069-4d8a-a7c8-d1033ce8a9e2" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_TradingSymbol"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_TradingSymbol_0eeaef1a-3069-4d8a-a7c8-d1033ce8a9e2" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_c44cb0cd-fa93-4dd4-a41f-8dac4b92ba6f" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_SecurityExchangeName_c44cb0cd-fa93-4dd4-a41f-8dac4b92ba6f" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityWellKnownSeasonedIssuer_95f3c4b9-8571-4821-a4a1-46756ff5cbaf" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityWellKnownSeasonedIssuer"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityWellKnownSeasonedIssuer_95f3c4b9-8571-4821-a4a1-46756ff5cbaf" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityVoluntaryFilers_dc24f153-2fa4-4c79-bb44-0608ef0b663e" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityVoluntaryFilers"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityVoluntaryFilers_dc24f153-2fa4-4c79-bb44-0608ef0b663e" xlink:type="arc" order="19"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_38448225-6af1-465b-a65a-4d107f5635e9" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCurrentReportingStatus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityCurrentReportingStatus_38448225-6af1-465b-a65a-4d107f5635e9" xlink:type="arc" order="20"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_32946d81-5286-4d03-b20f-17814dba7eef" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityInteractiveDataCurrent_32946d81-5286-4d03-b20f-17814dba7eef" xlink:type="arc" order="21"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_1571171e-73eb-4807-9177-59385ea55b88" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFilerCategory"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityFilerCategory_1571171e-73eb-4807-9177-59385ea55b88" xlink:type="arc" order="22"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_349b7ede-4127-4321-add8-b82bf2c63896" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntitySmallBusiness"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntitySmallBusiness_349b7ede-4127-4321-add8-b82bf2c63896" xlink:type="arc" order="23"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_19f03d0f-8ef9-46d2-adb4-261ae583aeb7" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityEmergingGrowthCompany_19f03d0f-8ef9-46d2-adb4-261ae583aeb7" xlink:type="arc" order="24"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_IcfrAuditorAttestationFlag_79258c5b-0f7e-4fc0-a50e-9cd6ff8f7015" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_IcfrAuditorAttestationFlag"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_IcfrAuditorAttestationFlag_79258c5b-0f7e-4fc0-a50e-9cd6ff8f7015" xlink:type="arc" order="25"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFinStmtErrorCorrectionFlag_82673d31-5b59-4b96-bd86-67a2661c21bc" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFinStmtErrorCorrectionFlag"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentFinStmtErrorCorrectionFlag_82673d31-5b59-4b96-bd86-67a2661c21bc" xlink:type="arc" order="26"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_3edfaad9-1006-4074-b242-014b28571bb0" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityShellCompany"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityShellCompany_3edfaad9-1006-4074-b242-014b28571bb0" xlink:type="arc" order="27"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityPublicFloat_cd8e3e2e-5214-4567-958c-4773c77c9f71" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityPublicFloat"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityPublicFloat_cd8e3e2e-5214-4567-958c-4773c77c9f71" xlink:type="arc" order="28"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_e07e1d7d-07a4-4760-8787-9b4a921a304f" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_e07e1d7d-07a4-4760-8787-9b4a921a304f" xlink:type="arc" order="29"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentsIncorporatedByReferenceTextBlock_361162c5-2df9-4416-81a7-076204df5883" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentsIncorporatedByReferenceTextBlock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentsIncorporatedByReferenceTextBlock_361162c5-2df9-4416-81a7-076204df5883" xlink:type="arc" order="30"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorName_69c76171-203c-4719-9bb5-95eef5fd806d" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AuditorName"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_AuditorName_69c76171-203c-4719-9bb5-95eef5fd806d" xlink:type="arc" order="31"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorLocation_4ff0af0d-b84f-4edb-9baf-3873778e7c40" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AuditorLocation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_AuditorLocation_4ff0af0d-b84f-4edb-9baf-3873778e7c40" xlink:type="arc" order="32"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorFirmId_9ff96f86-2f86-4279-abd2-ff5880e150af" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AuditorFirmId"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_AuditorFirmId_9ff96f86-2f86-4279-abd2-ff5880e150af" xlink:type="arc" order="33"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_e0f0a854-5c34-4a7b-a98b-d81e1f07e70c" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AmendmentFlag"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_AmendmentFlag_e0f0a854-5c34-4a7b-a98b-d81e1f07e70c" xlink:type="arc" order="34"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_2b8a8ecc-8347-4200-beed-6b34bad557db" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalYearFocus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentFiscalYearFocus_2b8a8ecc-8347-4200-beed-6b34bad557db" xlink:type="arc" order="35"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_535b7634-92ea-44fa-9d1b-fbfeff0bd821" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentFiscalPeriodFocus_535b7634-92ea-44fa-9d1b-fbfeff0bd821" xlink:type="arc" order="36"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_ac4a725f-00bd-430c-8e3d-5dc87d7c1703" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCentralIndexKey"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityCentralIndexKey_ac4a725f-00bd-430c-8e3d-5dc87d7c1703" xlink:type="arc" order="37"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_4a1c8a99-0ee4-45fe-adf0-ee8f561ebc58" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_a20f6249-18ae-4563-a974-e6c2f78d20b0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_4a1c8a99-0ee4-45fe-adf0-ee8f561ebc58" xlink:to="loc_us-gaap_StatementTable_a20f6249-18ae-4563-a974-e6c2f78d20b0" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_27f90410-561b-485b-9406-ab1dd2ac5922" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_a20f6249-18ae-4563-a974-e6c2f78d20b0" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_27f90410-561b-485b-9406-ab1dd2ac5922" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_27f90410-561b-485b-9406-ab1dd2ac5922_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_27f90410-561b-485b-9406-ab1dd2ac5922" xlink:to="loc_us-gaap_EquityComponentDomain_27f90410-561b-485b-9406-ab1dd2ac5922_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_27f90410-561b-485b-9406-ab1dd2ac5922" xlink:to="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_e22fb629-80c2-4fd2-943d-fff490311d0a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:to="loc_us-gaap_PreferredStockMember_e22fb629-80c2-4fd2-943d-fff490311d0a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_c83f960d-4a5d-4da9-87fe-979ab764bcc9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:to="loc_us-gaap_CommonStockMember_c83f960d-4a5d-4da9-87fe-979ab764bcc9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonMember_4ab5fe04-7d0b-46c0-b3c9-1ca65ce41815" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:to="loc_us-gaap_TreasuryStockCommonMember_4ab5fe04-7d0b-46c0-b3c9-1ca65ce41815" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_b683c47d-884d-4c96-a987-ff7338a9d070" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_b683c47d-884d-4c96-a987-ff7338a9d070" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_1971ef40-3acc-42bf-b197-a59f888f1f75" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_1971ef40-3acc-42bf-b197-a59f888f1f75" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_74a0904f-648b-4fa9-8b26-bc06cb217ca2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:to="loc_us-gaap_RetainedEarningsMember_74a0904f-648b-4fa9-8b26-bc06cb217ca2" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_63c8b632-d5e4-4fdb-8bc3-d128826e5e85" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_a20f6249-18ae-4563-a974-e6c2f78d20b0" xlink:to="loc_us-gaap_StatementClassOfStockAxis_63c8b632-d5e4-4fdb-8bc3-d128826e5e85" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_63c8b632-d5e4-4fdb-8bc3-d128826e5e85_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_63c8b632-d5e4-4fdb-8bc3-d128826e5e85" xlink:to="loc_us-gaap_ClassOfStockDomain_63c8b632-d5e4-4fdb-8bc3-d128826e5e85_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_e9b683b7-4085-4fe4-9009-e87fb89ef7da" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_63c8b632-d5e4-4fdb-8bc3-d128826e5e85" xlink:to="loc_us-gaap_ClassOfStockDomain_e9b683b7-4085-4fe4-9009-e87fb89ef7da" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember_4b9e4a95-cd03-4777-a45c-393244ea17ea" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_e9b683b7-4085-4fe4-9009-e87fb89ef7da" xlink:to="loc_us-gaap_SeriesBPreferredStockMember_4b9e4a95-cd03-4777-a45c-393244ea17ea" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_4a1c8a99-0ee4-45fe-adf0-ee8f561ebc58" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesIssued_af1c2be7-fe90-4cb4-a76f-239056171045" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharesIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_SharesIssued_af1c2be7-fe90-4cb4-a76f-239056171045" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_10dedd28-fdc1-4337-b992-d3cd65067fc6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_TreasuryStockCommonShares_10dedd28-fdc1-4337-b992-d3cd65067fc6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_00a97133-fdab-471c-8480-4c4e63c66daf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_00a97133-fdab-471c-8480-4c4e63c66daf" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_1c064dea-f8db-453c-a562-9204d61124a1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_1c064dea-f8db-453c-a562-9204d61124a1" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_5c9af1af-9590-4d29-93a3-d126486e7532" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_ProfitLoss_5c9af1af-9590-4d29-93a3-d126486e7532" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_88aacc81-e413-493d-8b0b-eedcfb0a7c93" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_88aacc81-e413-493d-8b0b-eedcfb0a7c93" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_ea62f8ee-33c5-411c-a2f2-d401ce260d9c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_ea62f8ee-33c5-411c-a2f2-d401ce260d9c" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCashAbstract_0980fa64-178b-4d9e-8907-a2e581fe9359" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DividendsCashAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_DividendsCashAbstract_0980fa64-178b-4d9e-8907-a2e581fe9359" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStockCash_1a864174-244c-4d57-b067-a24395bad298" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DividendsCommonStockCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DividendsCashAbstract_0980fa64-178b-4d9e-8907-a2e581fe9359" xlink:to="loc_us-gaap_DividendsCommonStockCash_1a864174-244c-4d57-b067-a24395bad298" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStockCash_3bd34d25-8e16-42c8-ba20-42555c983b89" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DividendsPreferredStockCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DividendsCashAbstract_0980fa64-178b-4d9e-8907-a2e581fe9359" xlink:to="loc_us-gaap_DividendsPreferredStockCash_3bd34d25-8e16-42c8-ba20-42555c983b89" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_bf9ad6b4-7d0c-433a-a81b-8713a2a3e2c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_bf9ad6b4-7d0c-433a-a81b-8713a2a3e2c5" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_01c11a78-73ea-4d72-8220-4b0b133a8949" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_01c11a78-73ea-4d72-8220-4b0b133a8949" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_2aa0606c-1a63-4370-8e49-8a568930b7d8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_2aa0606c-1a63-4370-8e49-8a568930b7d8" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_4bf30c75-afc5-416c-bdca-7067a8f2cba9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_4bf30c75-afc5-416c-bdca-7067a8f2cba9" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredParValueMethod_40ecb026-cd0a-467e-ab3d-1e608012d9eb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockValueAcquiredParValueMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredParValueMethod_40ecb026-cd0a-467e-ab3d-1e608012d9eb" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_f9e643a8-2eb1-4d09-8e02-9ad6bf9c3a8a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_f9e643a8-2eb1-4d09-8e02-9ad6bf9c3a8a" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_659764ea-82de-4af6-a1dc-06c995e9cd82" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_659764ea-82de-4af6-a1dc-06c995e9cd82" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesIssued_de6b9540-39bc-4284-b6c9-8ebae9f8d0c7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharesIssued"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_065de1dc-26c1-466c-a6eb-b70ff61cdfbc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_b076609b-f1c7-44fe-98cb-badce6e6e212" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_9a2a40a9-e197-4223-bc7a-6623d6dcbc68" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_ac08dd12-ecc8-466f-9fdd-ba77673a874e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_db1b8870-885c-48ea-8b56-66d80f10db7f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_ac08dd12-ecc8-466f-9fdd-ba77673a874e" xlink:to="loc_us-gaap_StatementTable_db1b8870-885c-48ea-8b56-66d80f10db7f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_e1de3e9a-a57b-4bd8-8964-b057ac8769ca" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_db1b8870-885c-48ea-8b56-66d80f10db7f" xlink:to="loc_us-gaap_StatementClassOfStockAxis_e1de3e9a-a57b-4bd8-8964-b057ac8769ca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_e1de3e9a-a57b-4bd8-8964-b057ac8769ca_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_e1de3e9a-a57b-4bd8-8964-b057ac8769ca" xlink:to="loc_us-gaap_ClassOfStockDomain_e1de3e9a-a57b-4bd8-8964-b057ac8769ca_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_71c5eb56-e8e3-46ca-942f-6f196efc7944" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_e1de3e9a-a57b-4bd8-8964-b057ac8769ca" xlink:to="loc_us-gaap_ClassOfStockDomain_71c5eb56-e8e3-46ca-942f-6f196efc7944" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember_ef603c9b-f350-48af-aab2-dcab4ab3038b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_71c5eb56-e8e3-46ca-942f-6f196efc7944" xlink:to="loc_us-gaap_SeriesBPreferredStockMember_ef603c9b-f350-48af-aab2-dcab4ab3038b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared_aa59304c-8331-4385-b806-03dcfb7f622a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_ac08dd12-ecc8-466f-9fdd-ba77673a874e" xlink:to="loc_us-gaap_CommonStockDividendsPerShareDeclared_aa59304c-8331-4385-b806-03dcfb7f622a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePerDollarAmount_3b137da4-2c76-4a59-8efa-652c36d86382" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendRatePerDollarAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_ac08dd12-ecc8-466f-9fdd-ba77673a874e" xlink:to="loc_us-gaap_PreferredStockDividendRatePerDollarAmount_3b137da4-2c76-4a59-8efa-652c36d86382" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDSTATEMENTSOFCASHFLOWS"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_7ffadf8e-af58-4645-9278-56f57d519880" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_StatementTable_7ffadf8e-af58-4645-9278-56f57d519880" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_ce527de9-1ba4-4a78-9f99-883a775490a6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_7ffadf8e-af58-4645-9278-56f57d519880" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_ce527de9-1ba4-4a78-9f99-883a775490a6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_ce527de9-1ba4-4a78-9f99-883a775490a6_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_ce527de9-1ba4-4a78-9f99-883a775490a6" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_ce527de9-1ba4-4a78-9f99-883a775490a6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_b45dd03f-24d8-4feb-b1e3-1373dfdd0b09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_ce527de9-1ba4-4a78-9f99-883a775490a6" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_b45dd03f-24d8-4feb-b1e3-1373dfdd0b09" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedSecuritiesMember_3130f278-7a34-4831-9533-84c54872814b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CollateralizedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_b45dd03f-24d8-4feb-b1e3-1373dfdd0b09" xlink:to="loc_us-gaap_CollateralizedSecuritiesMember_3130f278-7a34-4831-9533-84c54872814b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_43a011dc-44ea-4dce-89d7-dc815ad09333" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_b45dd03f-24d8-4feb-b1e3-1373dfdd0b09" xlink:to="loc_us-gaap_UnsecuredDebtMember_43a011dc-44ea-4dce-89d7-dc815ad09333" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_4c240cf7-c644-4ffd-96a5-0ba99a8a0b42" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_4c240cf7-c644-4ffd-96a5-0ba99a8a0b42" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_f8d061ce-0da3-4cb9-8617-aa61b935594f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_4c240cf7-c644-4ffd-96a5-0ba99a8a0b42" xlink:to="loc_us-gaap_ProfitLoss_f8d061ce-0da3-4cb9-8617-aa61b935594f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_4c240cf7-c644-4ffd-96a5-0ba99a8a0b42" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_42c77e1e-7813-47c7-8a3a-e6ea259ead99" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_42c77e1e-7813-47c7-8a3a-e6ea259ead99" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_4c617c72-b12f-44d9-82dd-8dbf9c0b01a1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_4c617c72-b12f-44d9-82dd-8dbf9c0b01a1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationofBrokeredDepositPlacement_7aa18edc-130d-49de-86ae-7368a27c5f56" xlink:href="slm-20241231.xsd#slm_AmortizationofBrokeredDepositPlacement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_slm_AmortizationofBrokeredDepositPlacement_7aa18edc-130d-49de-86ae-7368a27c5f56" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfABCPUpfrontLoanFees_a5453e1c-1438-4ab5-9f8e-f60665bebcb9" xlink:href="slm-20241231.xsd#slm_AmortizationOfABCPUpfrontLoanFees"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_slm_AmortizationOfABCPUpfrontLoanFees_a5453e1c-1438-4ab5-9f8e-f60665bebcb9" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_d7ca7463-96a9-4987-bdd0-0d786dfe51f1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_d7ca7463-96a9-4987-bdd0-0d786dfe51f1" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_a8bc6b38-3387-40e1-9faf-7eb62e05f24c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_a8bc6b38-3387-40e1-9faf-7eb62e05f24c" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestIncomeonTaxIndemnificationReceivable_b69d849d-e9b1-4c9c-82de-65875b3f4ca6" xlink:href="slm-20241231.xsd#slm_InterestIncomeonTaxIndemnificationReceivable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_slm_InterestIncomeonTaxIndemnificationReceivable_b69d849d-e9b1-4c9c-82de-65875b3f4ca6" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_b54c369c-a181-49e1-b5bd-70cf75cc6c6e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Depreciation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_Depreciation_b54c369c-a181-49e1-b5bd-70cf75cc6c6e" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_40e25e7c-d005-440b-a2c0-35532dc7b2ca" xlink:href="slm-20241231.xsd#slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_40e25e7c-d005-440b-a2c0-35532dc7b2ca" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_262363f7-fded-428a-996a-5c507606209a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_ShareBasedCompensation_262363f7-fded-428a-996a-5c507606209a" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnDerivatives_ec1f219e-80ad-4f63-bd5e-48ff31ef27ce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrealizedGainLossOnDerivatives"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_UnrealizedGainLossOnDerivatives_ec1f219e-80ad-4f63-bd5e-48ff31ef27ce" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_ea4cd3ca-365e-4bc9-bcbd-8aef6ca71e2f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_ea4cd3ca-365e-4bc9-bcbd-8aef6ca71e2f" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_4b4f107d-4233-4506-b0e3-5e760ad63ec4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_4b4f107d-4233-4506-b0e3-5e760ad63ec4" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfAcquisitionCosts_f36ab736-76cb-4d26-ac02-4139990f37bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfAcquisitionCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_AmortizationOfAcquisitionCosts_f36ab736-76cb-4d26-ac02-4139990f37bb" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_fe9b49f0-fb57-4e25-8cb5-8a661cde0233" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_fe9b49f0-fb57-4e25-8cb5-8a661cde0233" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOperatingAssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_34986356-2a68-44ff-8b1a-53f9d1ed2c75" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_34986356-2a68-44ff-8b1a-53f9d1ed2c75" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_3ff4e5d9-182c-4f8b-9c41-c6078f03b313" xlink:href="slm-20241231.xsd#slm_PaymentsToAcquireTradingSecuritiesHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_3ff4e5d9-182c-4f8b-9c41-c6078f03b313" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi_7afa3e92-400a-4930-ac5f-9acc2e3989de" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi_7afa3e92-400a-4930-ac5f-9acc2e3989de" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets_ced814c5-784a-471d-829e-351fd9669858" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets_ced814c5-784a-471d-829e-351fd9669858" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_80c53e44-b550-4e23-a7bb-be891609ec45" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_80c53e44-b550-4e23-a7bb-be891609ec45" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_d53ba636-0895-4991-ae74-0c38a14cf8e5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_d53ba636-0895-4991-ae74-0c38a14cf8e5" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_487ac212-d318-470c-9eee-5d4dcecf47a5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_487ac212-d318-470c-9eee-5d4dcecf47a5" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_560c5bc7-908b-4e83-9dc1-0fca146ecdf1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_560c5bc7-908b-4e83-9dc1-0fca146ecdf1" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_ccbe979d-8a6d-4557-a593-635d6fcf4ee9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_ccbe979d-8a6d-4557-a593-635d6fcf4ee9" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ba2052aa-cb5a-4a9f-b09f-3db1d95290a9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_4c240cf7-c644-4ffd-96a5-0ba99a8a0b42" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ba2052aa-cb5a-4a9f-b09f-3db1d95290a9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StudentLoansacquiredandoriginated_7a1099a4-1ad8-4a10-aa45-5150f0e845ec" xlink:href="slm-20241231.xsd#slm_StudentLoansacquiredandoriginated"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_slm_StudentLoansacquiredandoriginated_7a1099a4-1ad8-4a10-aa45-5150f0e845ec" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale_257323b4-5f8e-4f93-9b65-e756049ece9f" xlink:href="slm-20241231.xsd#slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale_257323b4-5f8e-4f93-9b65-e756049ece9f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ProceedsfromClaimpayments_40d4d5e1-985b-4c46-9713-72abb108c702" xlink:href="slm-20241231.xsd#slm_ProceedsfromClaimpayments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_slm_ProceedsfromClaimpayments_40d4d5e1-985b-4c46-9713-72abb108c702" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale_4d9a60fa-8289-4d6b-9c06-4b74b9730417" xlink:href="slm-20241231.xsd#slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale_4d9a60fa-8289-4d6b-9c06-4b74b9730417" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_ad3b5a54-a49b-4303-8117-b8c482338c70" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_ad3b5a54-a49b-4303-8117-b8c482338c70" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_4501edd9-2da4-426e-8871-194acc344f24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_4501edd9-2da4-426e-8871-194acc344f24" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_1a6e678c-bb9e-4cc4-a696-aae8e7d78e08" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_1a6e678c-bb9e-4cc4-a696-aae8e7d78e08" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_9dc74761-0eaf-45c6-9219-9c7274fc396d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_9dc74761-0eaf-45c6-9219-9c7274fc396d" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Cashpaidforbrokereddepositplacementfee_e6708a48-e70c-48d3-b137-7d010f9c49ea" xlink:href="slm-20241231.xsd#slm_Cashpaidforbrokereddepositplacementfee"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_slm_Cashpaidforbrokereddepositplacementfee_e6708a48-e70c-48d3-b137-7d010f9c49ea" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit_fd3184fc-4d8f-471d-8c10-71edec2d3868" xlink:href="slm-20241231.xsd#slm_Netincreasedecreaseinbrokeredcertificatesofdeposit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit_fd3184fc-4d8f-471d-8c10-71edec2d3868" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetincreaseinMMDAdeposits_f3536bdb-1ccd-41e9-bfb7-10b8b5c4c310" xlink:href="slm-20241231.xsd#slm_NetincreaseinMMDAdeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_slm_NetincreaseinMMDAdeposits_f3536bdb-1ccd-41e9-bfb7-10b8b5c4c310" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_1976ba3d-5b2d-4935-a5bf-7367aeb17321" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_1976ba3d-5b2d-4935-a5bf-7367aeb17321" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BorrowingsCollateralizedByLoansInTrustIssued_5b670cd9-c6c7-4f5c-9320-a1011919e9f6" xlink:href="slm-20241231.xsd#slm_BorrowingsCollateralizedByLoansInTrustIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_slm_BorrowingsCollateralizedByLoansInTrustIssued_5b670cd9-c6c7-4f5c-9320-a1011919e9f6" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BorrowingsCollateralizedByLoansInTrustRepaid_af7b96d1-42d8-42e7-8040-86d91b476057" xlink:href="slm-20241231.xsd#slm_BorrowingsCollateralizedByLoansInTrustRepaid"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_slm_BorrowingsCollateralizedByLoansInTrustRepaid_af7b96d1-42d8-42e7-8040-86d91b476057" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetIncreaseDecreaseinUpfrontLoanFees_6693e0b4-4c60-4d79-9cfb-bf7c0f18339d" xlink:href="slm-20241231.xsd#slm_NetIncreaseDecreaseinUpfrontLoanFees"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_slm_NetIncreaseDecreaseinUpfrontLoanFees_6693e0b4-4c60-4d79-9cfb-bf7c0f18339d" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_d2d0d865-754c-4b71-8cde-7fe394e456f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_d2d0d865-754c-4b71-8cde-7fe394e456f9" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_25426028-e778-4fe6-8d91-1c85b4c06603" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_25426028-e778-4fe6-8d91-1c85b4c06603" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_1934565f-2b1d-425d-88b8-211a0d43f559" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_1934565f-2b1d-425d-88b8-211a0d43f559" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_709e936e-8bae-4d0d-b9c7-b110c83d1e1f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_709e936e-8bae-4d0d-b9c7-b110c83d1e1f" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_b6f29174-a732-43f7-8325-b11b3048a740" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_b6f29174-a732-43f7-8325-b11b3048a740" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_2aa40618-dc89-4947-8bbe-7941e1446d8c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_2aa40618-dc89-4947-8bbe-7941e1446d8c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_664230b8-c8e3-4881-94df-23c5ef9b3f3a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract_b3cc995c-ef3d-4ab7-b48c-edc0d07a4cd8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_SupplementalCashFlowInformationAbstract_b3cc995c-ef3d-4ab7-b48c-edc0d07a4cd8" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet_db47f2da-f0d1-4537-bb7a-3558dadd1362" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestPaidNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_b3cc995c-ef3d-4ab7-b48c-edc0d07a4cd8" xlink:to="loc_us-gaap_InterestPaidNet_db47f2da-f0d1-4537-bb7a-3558dadd1362" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaid_d8b1bac9-0dc4-4840-9588-cc892c29d09e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxesPaid"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_b3cc995c-ef3d-4ab7-b48c-edc0d07a4cd8" xlink:to="loc_us-gaap_IncomeTaxesPaid_d8b1bac9-0dc4-4840-9588-cc892c29d09e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIncomeTaxRefunds_4e15156e-b1e5-490d-a7f2-070313c0385d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromIncomeTaxRefunds"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_b3cc995c-ef3d-4ab7-b48c-edc0d07a4cd8" xlink:to="loc_us-gaap_ProceedsFromIncomeTaxRefunds_4e15156e-b1e5-490d-a7f2-070313c0385d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_dc58a9ac-4818-43a0-b14d-d193ac2b5a24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_dc58a9ac-4818-43a0-b14d-d193ac2b5a24" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_45d7a0f9-dffa-45a4-89cd-332fdaac89cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_dc58a9ac-4818-43a0-b14d-d193ac2b5a24" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_45d7a0f9-dffa-45a4-89cd-332fdaac89cd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndInvestments_f6b6b875-14be-420f-840d-42d476dc8850" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAndInvestments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_dc58a9ac-4818-43a0-b14d-d193ac2b5a24" xlink:to="loc_us-gaap_RestrictedCashAndInvestments_f6b6b875-14be-420f-840d-42d476dc8850" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_e8ce0e99-0829-485b-8627-4f84466413ae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_7d641dc6-6007-46c9-8e88-d6a3c5e2306b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoncashInvestingAndFinancingItemsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_7d641dc6-6007-46c9-8e88-d6a3c5e2306b" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestCostsCapitalized_9ee9f619-49d0-4f3f-8e25-bba338b0a834" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestCostsCapitalized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_7d641dc6-6007-46c9-8e88-d6a3c5e2306b" xlink:to="loc_us-gaap_InterestCostsCapitalized_9ee9f619-49d0-4f3f-8e25-bba338b0a834" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TradingInvestmentReceivedInConsiderationForLoansSold_c9735076-4ac5-4aff-9461-be53d8be1392" xlink:href="slm-20241231.xsd#slm_TradingInvestmentReceivedInConsiderationForLoansSold"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_7d641dc6-6007-46c9-8e88-d6a3c5e2306b" xlink:to="loc_slm_TradingInvestmentReceivedInConsiderationForLoansSold_c9735076-4ac5-4aff-9461-be53d8be1392" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold_71b27434-a471-4636-89b3-0b12586918c1" xlink:href="slm-20241231.xsd#slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_7d641dc6-6007-46c9-8e88-d6a3c5e2306b" xlink:to="loc_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold_71b27434-a471-4636-89b3-0b12586918c1" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_8baa9275-8681-4b3d-b562-8293d8016995" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_8baa9275-8681-4b3d-b562-8293d8016995" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_fe9abb02-4ec9-4b2a-b8ed-a1e10176e716" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_8baa9275-8681-4b3d-b562-8293d8016995" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_fe9abb02-4ec9-4b2a-b8ed-a1e10176e716" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_fe9abb02-4ec9-4b2a-b8ed-a1e10176e716_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_fe9abb02-4ec9-4b2a-b8ed-a1e10176e716" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_fe9abb02-4ec9-4b2a-b8ed-a1e10176e716_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_ac6e1e9c-5910-422d-8dd6-94199e2aefcb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_fe9abb02-4ec9-4b2a-b8ed-a1e10176e716" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_ac6e1e9c-5910-422d-8dd6-94199e2aefcb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditCardsMember_64300e51-86ba-41d4-921b-bb0014e72c1f" xlink:href="slm-20241231.xsd#slm_CreditCardsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_ac6e1e9c-5910-422d-8dd6-94199e2aefcb" xlink:to="loc_slm_CreditCardsMember_64300e51-86ba-41d4-921b-bb0014e72c1f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditCardMember_e12499b0-8421-4922-abe4-58fa9f863b39" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditCardMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_ac6e1e9c-5910-422d-8dd6-94199e2aefcb" xlink:to="loc_us-gaap_CreditCardMember_e12499b0-8421-4922-abe4-58fa9f863b39" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_2f501ca6-3471-4d26-905c-f51f005cce7d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_2f501ca6-3471-4d26-905c-f51f005cce7d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable_429cf87f-88c7-4c8b-990d-62e162213f7a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_us-gaap_GainLossOnSaleOfNotesReceivable_429cf87f-88c7-4c8b-990d-62e162213f7a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo_9ec7d8d9-7619-4492-873d-710616cf96fb" xlink:href="slm-20241231.xsd#slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo_9ec7d8d9-7619-4492-873d-710616cf96fb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne_84561952-4a42-4e54-ab6a-c29b4d9e297b" xlink:href="slm-20241231.xsd#slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne_84561952-4a42-4e54-ab6a-c29b4d9e297b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree_4b1b17cd-1382-4c30-9579-db3094d8b90a" xlink:href="slm-20241231.xsd#slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree_4b1b17cd-1382-4c30-9579-db3094d8b90a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure_7b643fe8-3f76-4072-9135-7e1c125e1787" xlink:href="slm-20241231.xsd#slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure_7b643fe8-3f76-4072-9135-7e1c125e1787" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ConstantPrepaymentFeeVariableRate_60f6b345-d627-4532-b9a8-234b4cb63f8a" xlink:href="slm-20241231.xsd#slm_ConstantPrepaymentFeeVariableRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_ConstantPrepaymentFeeVariableRate_60f6b345-d627-4532-b9a8-234b4cb63f8a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansinNonaccrualStatus_5cab7c9d-832c-45e1-a27b-1984ccbcf05a" xlink:href="slm-20241231.xsd#slm_LoansinNonaccrualStatus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_LoansinNonaccrualStatus_5cab7c9d-832c-45e1-a27b-1984ccbcf05a" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment_33b7ecfd-2855-4929-950c-e68d20ff4019" xlink:href="slm-20241231.xsd#slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment_33b7ecfd-2855-4929-950c-e68d20ff4019" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SignificantAccountingPoliciesBusinessCombinationDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_dfeb02df-2459-451c-9900-3d1c7f5fd528" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_dfeb02df-2459-451c-9900-3d1c7f5fd528" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_fc37d5be-227f-4cf8-a56b-1c461b73ddfb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_dfeb02df-2459-451c-9900-3d1c7f5fd528" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_fc37d5be-227f-4cf8-a56b-1c461b73ddfb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_fc37d5be-227f-4cf8-a56b-1c461b73ddfb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_fc37d5be-227f-4cf8-a56b-1c461b73ddfb" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_fc37d5be-227f-4cf8-a56b-1c461b73ddfb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_facdc47e-7278-4eba-8e95-2a1a7d1c862f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_fc37d5be-227f-4cf8-a56b-1c461b73ddfb" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_facdc47e-7278-4eba-8e95-2a1a7d1c862f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NitroCollegeMember_ed8e5e09-8974-4f1f-8960-eb56c410c19f" xlink:href="slm-20241231.xsd#slm_NitroCollegeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_facdc47e-7278-4eba-8e95-2a1a7d1c862f" xlink:to="loc_slm_NitroCollegeMember_ed8e5e09-8974-4f1f-8960-eb56c410c19f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchollyIncMember_a01fd397-c518-4161-9206-841edd9a0925" xlink:href="slm-20241231.xsd#slm_SchollyIncMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_facdc47e-7278-4eba-8e95-2a1a7d1c862f" xlink:to="loc_slm_SchollyIncMember_a01fd397-c518-4161-9206-841edd9a0925" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_372f34fa-11be-48e6-8904-65525f936bb2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_372f34fa-11be-48e6-8904-65525f936bb2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_64ac2f5f-f138-433c-9c68-eb56a521698c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Goodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_Goodwill_64ac2f5f-f138-433c-9c68-eb56a521698c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts_cd60f075-370a-4fb6-aabf-e8e64d7b5a29" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts_cd60f075-370a-4fb6-aabf-e8e64d7b5a29" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_ca95856a-72e6-4f64-8f46-cf3219b9368c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_ca95856a-72e6-4f64-8f46-cf3219b9368c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_13513979-81cc-4506-b6d9-519444ddbb94" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_13513979-81cc-4506-b6d9-519444ddbb94" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinitelivedIntangibleAssetsAcquired1_03866706-1a4b-46c3-92ac-4ac222676eda" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinitelivedIntangibleAssetsAcquired1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_FinitelivedIntangibleAssetsAcquired1_03866706-1a4b-46c3-92ac-4ac222676eda" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SignificantAccountingPoliciesDerivativeAccountingDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_29f87bd2-7f0e-428b-96fa-67cd13910aef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_f502648a-2d2d-424e-8ce9-1261a70bc2bc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_29f87bd2-7f0e-428b-96fa-67cd13910aef" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_f502648a-2d2d-424e-8ce9-1261a70bc2bc" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_3517ddc2-552d-4b85-a897-add6fe1fee41" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_f502648a-2d2d-424e-8ce9-1261a70bc2bc" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_3517ddc2-552d-4b85-a897-add6fe1fee41" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_3517ddc2-552d-4b85-a897-add6fe1fee41_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_3517ddc2-552d-4b85-a897-add6fe1fee41" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_3517ddc2-552d-4b85-a897-add6fe1fee41_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_78d678ec-09e9-4a5a-b0ac-0f201c6d0c17" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_3517ddc2-552d-4b85-a897-add6fe1fee41" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_78d678ec-09e9-4a5a-b0ac-0f201c6d0c17" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_exch_XCME_8f2d2b30-0757-43cb-99f0-4a5c29619fed" xlink:href="https://xbrl.sec.gov/exch/2024/exch-2024.xsd#exch_XCME"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_78d678ec-09e9-4a5a-b0ac-0f201c6d0c17" xlink:to="loc_exch_XCME_8f2d2b30-0757-43cb-99f0-4a5c29619fed" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LondonClearingHouseMember_5dc29ca0-0dac-4fc0-864d-cf621d2f98db" xlink:href="slm-20241231.xsd#slm_LondonClearingHouseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_78d678ec-09e9-4a5a-b0ac-0f201c6d0c17" xlink:to="loc_slm_LondonClearingHouseMember_5dc29ca0-0dac-4fc0-864d-cf621d2f98db" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_e87198b1-aa56-4aa8-8caa-f5351549da6e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_29f87bd2-7f0e-428b-96fa-67cd13910aef" xlink:to="loc_us-gaap_DerivativeNotionalAmount_e87198b1-aa56-4aa8-8caa-f5351549da6e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts_f0b37a3b-781d-471d-aa09-ae1e5504de5f" xlink:href="slm-20241231.xsd#slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_29f87bd2-7f0e-428b-96fa-67cd13910aef" xlink:to="loc_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts_f0b37a3b-781d-471d-aa09-ae1e5504de5f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmountOfVariationMarginIncludedAsSettlement_a45b2bc7-dba2-4315-96f1-250fab8540a3" xlink:href="slm-20241231.xsd#slm_AmountOfVariationMarginIncludedAsSettlement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_29f87bd2-7f0e-428b-96fa-67cd13910aef" xlink:to="loc_slm_AmountOfVariationMarginIncludedAsSettlement_a45b2bc7-dba2-4315-96f1-250fab8540a3" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/InvestmentsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#InvestmentsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/InvestmentsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_6ede9e27-a01e-46e9-810c-c8825153f254" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_6ede9e27-a01e-46e9-810c-c8825153f254" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_6fbc40a4-753a-4d8a-80be-0988b78bfb1b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_6ede9e27-a01e-46e9-810c-c8825153f254" xlink:to="loc_us-gaap_FinancialInstrumentAxis_6fbc40a4-753a-4d8a-80be-0988b78bfb1b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6fbc40a4-753a-4d8a-80be-0988b78bfb1b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_6fbc40a4-753a-4d8a-80be-0988b78bfb1b" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6fbc40a4-753a-4d8a-80be-0988b78bfb1b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6e1b75af-89e7-4ef6-a936-28ec057c10ff" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_6fbc40a4-753a-4d8a-80be-0988b78bfb1b" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6e1b75af-89e7-4ef6-a936-28ec057c10ff" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesMember_e63ec413-4747-4536-9621-34ca9dedfaa5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquitySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6e1b75af-89e7-4ef6-a936-28ec057c10ff" xlink:to="loc_us-gaap_EquitySecuritiesMember_e63ec413-4747-4536-9621-34ca9dedfaa5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_VerticalRiskRetentionPercentage_7444c141-13cb-4a4e-b231-7df0ad0e8ca0" xlink:href="slm-20241231.xsd#slm_VerticalRiskRetentionPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_slm_VerticalRiskRetentionPercentage_7444c141-13cb-4a4e-b231-7df0ad0e8ca0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_86371f33-132d-4d8d-ab5f-e3b5310cf537" xlink:href="slm-20241231.xsd#slm_PaymentsToAcquireTradingSecuritiesHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_86371f33-132d-4d8d-ab5f-e3b5310cf537" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_5ac855dd-25d7-490f-b7df-3e0e62e547f4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_TradingSecuritiesDebt_5ac855dd-25d7-490f-b7df-3e0e62e547f4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_0a4bf135-c14d-4b19-8a73-01506f0ce8ef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_0a4bf135-c14d-4b19-8a73-01506f0ce8ef" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtSecuritiesAvailableForSaleNumberOfPositions_2654a6f5-624f-4766-a34f-203db99bb92a" xlink:href="slm-20241231.xsd#slm_DebtSecuritiesAvailableForSaleNumberOfPositions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_slm_DebtSecuritiesAvailableForSaleNumberOfPositions_2654a6f5-624f-4766-a34f-203db99bb92a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB_23c93f8c-18ce-4afe-9538-3880064b594e" xlink:href="slm-20241231.xsd#slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB_23c93f8c-18ce-4afe-9538-3880064b594e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInvestmentNotReadilyMarketableFairValue_dc632a81-0244-4328-8976-b30faae35c50" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherInvestmentNotReadilyMarketableFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_OtherInvestmentNotReadilyMarketableFairValue_dc632a81-0244-4328-8976-b30faae35c50" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OtherInvestmentNotReadilyMarketableGainLoss_8cf9197a-3ce4-4d9f-8a7e-18bee9667a75" xlink:href="slm-20241231.xsd#slm_OtherInvestmentNotReadilyMarketableGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_slm_OtherInvestmentNotReadilyMarketableGainLoss_8cf9197a-3ce4-4d9f-8a7e-18bee9667a75" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_f71142ba-4834-466b-87b1-333a74bcd288" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_f71142ba-4834-466b-87b1-333a74bcd288" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_f8cd1d19-fd08-446d-9497-f7abc06c4851" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_f8cd1d19-fd08-446d-9497-f7abc06c4851" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments_4dd4f1fe-ba04-43f8-af39-f70214fec66d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments_4dd4f1fe-ba04-43f8-af39-f70214fec66d" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment_49e3ed91-728d-428c-992b-47d61a25acfb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment_49e3ed91-728d-428c-992b-47d61a25acfb" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration_766a15d8-6de1-42ae-ad4f-ed8aeeedffa8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration_766a15d8-6de1-42ae-ad4f-ed8aeeedffa8" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_b982257f-f3a1-4baa-8caa-d94327d0424b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_b982257f-f3a1-4baa-8caa-d94327d0424b" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_f2c631c8-ba22-4077-b8c0-d06a6ae91d47" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_f2c631c8-ba22-4077-b8c0-d06a6ae91d47" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration_ab573a88-f507-4255-aeb1-1bcfd767d643" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration_ab573a88-f507-4255-aeb1-1bcfd767d643" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration_bc702f91-ad66-4697-8f60-f89d1a57065e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration_bc702f91-ad66-4697-8f60-f89d1a57065e" xlink:type="arc" order="16"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e186d8db-dc3a-4c0a-9565-f76035c6d401" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e186d8db-dc3a-4c0a-9565-f76035c6d401" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_145264c3-103d-476b-9a61-024164449b1f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e186d8db-dc3a-4c0a-9565-f76035c6d401" xlink:to="loc_us-gaap_FinancialInstrumentAxis_145264c3-103d-476b-9a61-024164449b1f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_145264c3-103d-476b-9a61-024164449b1f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_145264c3-103d-476b-9a61-024164449b1f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_145264c3-103d-476b-9a61-024164449b1f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6f99e1da-005b-4208-8d35-439f4f33b435" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_145264c3-103d-476b-9a61-024164449b1f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6f99e1da-005b-4208-8d35-439f4f33b435" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_9885af4a-ebd8-44d4-8e81-15c9041e484e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6f99e1da-005b-4208-8d35-439f4f33b435" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_9885af4a-ebd8-44d4-8e81-15c9041e484e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_UtahHousingCorporationBondsMember_858e6540-efa4-4f0b-b885-39e780971095" xlink:href="slm-20241231.xsd#slm_UtahHousingCorporationBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6f99e1da-005b-4208-8d35-439f4f33b435" xlink:to="loc_slm_UtahHousingCorporationBondsMember_858e6540-efa4-4f0b-b885-39e780971095" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_126461d6-1d49-489c-a54d-fd95f8fb8cfe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6f99e1da-005b-4208-8d35-439f4f33b435" xlink:to="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_126461d6-1d49-489c-a54d-fd95f8fb8cfe" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_b5ddde28-67ef-436c-be11-7732774f094b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6f99e1da-005b-4208-8d35-439f4f33b435" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_b5ddde28-67ef-436c-be11-7732774f094b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_e7246692-b296-4265-a664-e8b610368b69" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_e7246692-b296-4265-a664-e8b610368b69" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_daca7db9-e1b4-497d-bd4f-95dff3e21e41" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_daca7db9-e1b4-497d-bd4f-95dff3e21e41" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_95762b96-1613-4815-a7f8-1388f7726273" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_95762b96-1613-4815-a7f8-1388f7726273" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_d56e5921-2167-418f-b434-1613970b00fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_d56e5921-2167-418f-b434-1613970b00fa" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_500ae707-0f11-41cd-9552-72923ba44899" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_500ae707-0f11-41cd-9552-72923ba44899" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d69e6359-fcd1-4a17-a2f7-596004430150" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_7ee95bcb-2ca9-495d-bc14-6cf760ddd275" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d69e6359-fcd1-4a17-a2f7-596004430150" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_7ee95bcb-2ca9-495d-bc14-6cf760ddd275" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_a290044b-513c-408f-80ba-f99ea3ebd79a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_7ee95bcb-2ca9-495d-bc14-6cf760ddd275" xlink:to="loc_us-gaap_InvestmentTypeAxis_a290044b-513c-408f-80ba-f99ea3ebd79a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_a290044b-513c-408f-80ba-f99ea3ebd79a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InvestmentTypeAxis_a290044b-513c-408f-80ba-f99ea3ebd79a" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_a290044b-513c-408f-80ba-f99ea3ebd79a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_b1b8048a-e31b-4756-b4ef-978c478fff10" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InvestmentTypeAxis_a290044b-513c-408f-80ba-f99ea3ebd79a" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_b1b8048a-e31b-4756-b4ef-978c478fff10" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_7438bb3e-a270-4ed5-b373-70584878c618" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_b1b8048a-e31b-4756-b4ef-978c478fff10" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_7438bb3e-a270-4ed5-b373-70584878c618" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_UtahHousingCorporationBondsMember_804063f2-34b4-4b69-9f54-8f6c0793b34a" xlink:href="slm-20241231.xsd#slm_UtahHousingCorporationBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_b1b8048a-e31b-4756-b4ef-978c478fff10" xlink:to="loc_slm_UtahHousingCorporationBondsMember_804063f2-34b4-4b69-9f54-8f6c0793b34a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_7932d795-c1b1-4437-ae8d-d08591c6577d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_b1b8048a-e31b-4756-b4ef-978c478fff10" xlink:to="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_7932d795-c1b1-4437-ae8d-d08591c6577d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_da16e0a4-a9a2-4b21-89d1-05166d95f71f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_b1b8048a-e31b-4756-b4ef-978c478fff10" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_da16e0a4-a9a2-4b21-89d1-05166d95f71f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_9f452454-e026-44ca-af67-2c14f86deb73" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d69e6359-fcd1-4a17-a2f7-596004430150" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_9f452454-e026-44ca-af67-2c14f86deb73" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_65da1716-d9a1-44d4-a145-1cb6f7f3a475" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_9f452454-e026-44ca-af67-2c14f86deb73" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_65da1716-d9a1-44d4-a145-1cb6f7f3a475" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_134414c9-d023-4494-8615-8cd1c2eb4eb0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_9f452454-e026-44ca-af67-2c14f86deb73" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_134414c9-d023-4494-8615-8cd1c2eb4eb0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_d62a5574-9e2d-4a98-9655-811283eacda8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d69e6359-fcd1-4a17-a2f7-596004430150" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_d62a5574-9e2d-4a98-9655-811283eacda8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_2dfef77c-365e-458c-8488-7a70e09038aa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_d62a5574-9e2d-4a98-9655-811283eacda8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_2dfef77c-365e-458c-8488-7a70e09038aa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_1632acf8-49c6-41c1-a993-968de28f783d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_d62a5574-9e2d-4a98-9655-811283eacda8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_1632acf8-49c6-41c1-a993-968de28f783d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract_46ab9cd8-847a-4c67-900f-3e083da5ba2c" xlink:href="slm-20241231.xsd#slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d69e6359-fcd1-4a17-a2f7-596004430150" xlink:to="loc_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract_46ab9cd8-847a-4c67-900f-3e083da5ba2c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_2030f4f8-603d-485d-9e6d-d11dbae07b7c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract_46ab9cd8-847a-4c67-900f-3e083da5ba2c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_2030f4f8-603d-485d-9e6d-d11dbae07b7c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_4c7eecae-5abe-491b-809f-f0c123d10f8e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract_46ab9cd8-847a-4c67-900f-3e083da5ba2c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_4c7eecae-5abe-491b-809f-f0c123d10f8e" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/InvestmentsMaturityTableDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#InvestmentsMaturityTableDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/InvestmentsMaturityTableDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_88c5f5c7-8bb4-4a51-8836-07b268e62b5f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e7a5d5dc-b746-445c-adaf-e2fcf14c9319" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_88c5f5c7-8bb4-4a51-8836-07b268e62b5f" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e7a5d5dc-b746-445c-adaf-e2fcf14c9319" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_3bbf3a9a-6b1b-4255-8e61-739c5191c92e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e7a5d5dc-b746-445c-adaf-e2fcf14c9319" xlink:to="loc_us-gaap_FinancialInstrumentAxis_3bbf3a9a-6b1b-4255-8e61-739c5191c92e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3bbf3a9a-6b1b-4255-8e61-739c5191c92e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_3bbf3a9a-6b1b-4255-8e61-739c5191c92e" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3bbf3a9a-6b1b-4255-8e61-739c5191c92e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_3bbf3a9a-6b1b-4255-8e61-739c5191c92e" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2025Member_a5bf5400-c44e-4655-9e81-051523c75864" xlink:href="slm-20241231.xsd#slm_Maturity2025Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2025Member_a5bf5400-c44e-4655-9e81-051523c75864" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2026Member_3814d8c1-e396-4b9a-8ef3-56fa5e0206cf" xlink:href="slm-20241231.xsd#slm_Maturity2026Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2026Member_3814d8c1-e396-4b9a-8ef3-56fa5e0206cf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2027Member_f46a9052-b845-490a-92e8-9526d7e915fe" xlink:href="slm-20241231.xsd#slm_Maturity2027Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2027Member_f46a9052-b845-490a-92e8-9526d7e915fe" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2038Member_7bec704e-49c5-4e91-a2db-a27a33a0307f" xlink:href="slm-20241231.xsd#slm_Maturity2038Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2038Member_7bec704e-49c5-4e91-a2db-a27a33a0307f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2039Member_8ed5894d-46f1-4c99-8d10-8a968ae7e6ef" xlink:href="slm-20241231.xsd#slm_Maturity2039Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2039Member_8ed5894d-46f1-4c99-8d10-8a968ae7e6ef" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2042Member_8227d637-f1e5-4978-83d4-8deb30edb924" xlink:href="slm-20241231.xsd#slm_Maturity2042Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2042Member_8227d637-f1e5-4978-83d4-8deb30edb924" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2043Member_be5f5b01-52ed-4d4e-840b-f021615bce4d" xlink:href="slm-20241231.xsd#slm_Maturity2043Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2043Member_be5f5b01-52ed-4d4e-840b-f021615bce4d" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2044Member_9b96d7a3-424a-4f0f-80e4-b32893da939d" xlink:href="slm-20241231.xsd#slm_Maturity2044Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2044Member_9b96d7a3-424a-4f0f-80e4-b32893da939d" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2045Member_98eb09bf-87c5-46ab-96f3-2ef709113d1d" xlink:href="slm-20241231.xsd#slm_Maturity2045Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2045Member_98eb09bf-87c5-46ab-96f3-2ef709113d1d" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2046Member_c096ac7d-2066-439b-a256-7769c6863a56" xlink:href="slm-20241231.xsd#slm_Maturity2046Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2046Member_c096ac7d-2066-439b-a256-7769c6863a56" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2047Member_7b53847d-8a75-4288-96da-6ad921956bec" xlink:href="slm-20241231.xsd#slm_Maturity2047Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2047Member_7b53847d-8a75-4288-96da-6ad921956bec" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2048Member_154c9aa2-09ab-42d3-bd01-aa86c2bc216b" xlink:href="slm-20241231.xsd#slm_Maturity2048Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2048Member_154c9aa2-09ab-42d3-bd01-aa86c2bc216b" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2049Member_2c6e1b73-edeb-4326-a20e-1772b4a5f8da" xlink:href="slm-20241231.xsd#slm_Maturity2049Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2049Member_2c6e1b73-edeb-4326-a20e-1772b4a5f8da" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2050Member_e53bf292-27fb-40ba-bd75-6d013bfd28ec" xlink:href="slm-20241231.xsd#slm_Maturity2050Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2050Member_e53bf292-27fb-40ba-bd75-6d013bfd28ec" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2051Member_9df9e46f-b1ec-4099-b53d-ce40f82e4efd" xlink:href="slm-20241231.xsd#slm_Maturity2051Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2051Member_9df9e46f-b1ec-4099-b53d-ce40f82e4efd" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2052Member_e074b540-ac7a-4d88-8d4d-e5cb0e3cedde" xlink:href="slm-20241231.xsd#slm_Maturity2052Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2052Member_e074b540-ac7a-4d88-8d4d-e5cb0e3cedde" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2053Member_58946e10-1421-455b-81c0-82a29a87c41f" xlink:href="slm-20241231.xsd#slm_Maturity2053Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2053Member_58946e10-1421-455b-81c0-82a29a87c41f" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2054Member_e0849e2c-156f-4a0a-a1ed-481b3ffd84e7" xlink:href="slm-20241231.xsd#slm_Maturity2054Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2054Member_e0849e2c-156f-4a0a-a1ed-481b3ffd84e7" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2055Member_2b716241-0898-4ca5-aa05-810bc1e1320b" xlink:href="slm-20241231.xsd#slm_Maturity2055Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2055Member_2b716241-0898-4ca5-aa05-810bc1e1320b" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2056Member_aea6101e-1a82-4091-98e7-aeba7defe75e" xlink:href="slm-20241231.xsd#slm_Maturity2056Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2056Member_aea6101e-1a82-4091-98e7-aeba7defe75e" xlink:type="arc" order="19"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2058Member_c2977ddc-a416-48e3-b3ec-dca4f2d53bba" xlink:href="slm-20241231.xsd#slm_Maturity2058Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2058Member_c2977ddc-a416-48e3-b3ec-dca4f2d53bba" xlink:type="arc" order="20"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_71cc82b7-e45a-4314-8333-5cd31fae9e4e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_88c5f5c7-8bb4-4a51-8836-07b268e62b5f" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_71cc82b7-e45a-4314-8333-5cd31fae9e4e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_6f49aef7-d64a-4f4d-9c53-d4a468ca1e5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_88c5f5c7-8bb4-4a51-8836-07b268e62b5f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_6f49aef7-d64a-4f4d-9c53-d4a468ca1e5e" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:href="slm-20241231.xsd#slm_FinanceReceivableTransferredToHeldForSaleLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_5b0dd3f4-814e-459d-a49a-364501176225" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_5b0dd3f4-814e-459d-a49a-364501176225" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_4c0ea648-d799-4f69-a8ee-be99958dea8c" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_5b0dd3f4-814e-459d-a49a-364501176225" xlink:to="loc_srt_RangeAxis_4c0ea648-d799-4f69-a8ee-be99958dea8c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_4c0ea648-d799-4f69-a8ee-be99958dea8c_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_4c0ea648-d799-4f69-a8ee-be99958dea8c" xlink:to="loc_srt_RangeMember_4c0ea648-d799-4f69-a8ee-be99958dea8c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_3c6ec92e-588e-4531-ba8c-c7d25852ca86" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_4c0ea648-d799-4f69-a8ee-be99958dea8c" xlink:to="loc_srt_RangeMember_3c6ec92e-588e-4531-ba8c-c7d25852ca86" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_5940a5bc-31de-4e9c-b7bb-53c4fd164b7f" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_3c6ec92e-588e-4531-ba8c-c7d25852ca86" xlink:to="loc_srt_MaximumMember_5940a5bc-31de-4e9c-b7bb-53c4fd164b7f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_da192be3-3946-46a5-8a30-66be44a5da48" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_3c6ec92e-588e-4531-ba8c-c7d25852ca86" xlink:to="loc_srt_MinimumMember_da192be3-3946-46a5-8a30-66be44a5da48" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_dbe5256e-fa8f-4bec-86ac-82fe1a7a3f89" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_5b0dd3f4-814e-459d-a49a-364501176225" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_dbe5256e-fa8f-4bec-86ac-82fe1a7a3f89" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_dbe5256e-fa8f-4bec-86ac-82fe1a7a3f89_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_dbe5256e-fa8f-4bec-86ac-82fe1a7a3f89" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_dbe5256e-fa8f-4bec-86ac-82fe1a7a3f89_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f9311989-753c-4a0d-9e23-73b380409e05" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_dbe5256e-fa8f-4bec-86ac-82fe1a7a3f89" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f9311989-753c-4a0d-9e23-73b380409e05" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_a32410e3-3893-4008-a4e2-3a648dc743a8" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f9311989-753c-4a0d-9e23-73b380409e05" xlink:to="loc_slm_PrivateEducationLoansMember_a32410e3-3893-4008-a4e2-3a648dc743a8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_24901a6c-d8be-4aca-9848-559ce182e723" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f9311989-753c-4a0d-9e23-73b380409e05" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_24901a6c-d8be-4aca-9848-559ce182e723" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_2212bf33-9792-4d6d-a405-45f0f44491f0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_5b0dd3f4-814e-459d-a49a-364501176225" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_2212bf33-9792-4d6d-a405-45f0f44491f0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_2212bf33-9792-4d6d-a405-45f0f44491f0_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_2212bf33-9792-4d6d-a405-45f0f44491f0" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_2212bf33-9792-4d6d-a405-45f0f44491f0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_ff607634-e1ec-47c6-9908-04698d21bd94" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_2212bf33-9792-4d6d-a405-45f0f44491f0" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_ff607634-e1ec-47c6-9908-04698d21bd94" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditCardsMember_5c1c2f76-889d-43f1-932a-51b247cdf7b2" xlink:href="slm-20241231.xsd#slm_CreditCardsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_ff607634-e1ec-47c6-9908-04698d21bd94" xlink:to="loc_slm_CreditCardsMember_5c1c2f76-889d-43f1-932a-51b247cdf7b2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_fbf70c7a-5bad-442d-88a8-29d7e1a2f551" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_fbf70c7a-5bad-442d-88a8-29d7e1a2f551" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable_76f9e13e-1450-4390-bec9-956ae114c72a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_us-gaap_GainLossOnSaleOfNotesReceivable_76f9e13e-1450-4390-bec9-956ae114c72a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR_f149dba5-bf58-4680-a946-4a942baf600e" xlink:href="slm-20241231.xsd#slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR_f149dba5-bf58-4680-a946-4a942baf600e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_EstimatedWeightedAverageLifeOfStudentLoans_5dbdd759-b622-4c15-abca-075226dcdd91" xlink:href="slm-20241231.xsd#slm_EstimatedWeightedAverageLifeOfStudentLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_EstimatedWeightedAverageLifeOfStudentLoans_5dbdd759-b622-4c15-abca-075226dcdd91" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted_a45f2c7d-7be0-46aa-be24-ea9b4601c272" xlink:href="slm-20241231.xsd#slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted_a45f2c7d-7be0-46aa-be24-ea9b4601c272" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan_15a2131d-c707-4d93-a8f3-2545ae0589f4" xlink:href="slm-20241231.xsd#slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan_15a2131d-c707-4d93-a8f3-2545ae0589f4" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants_63fa62ed-b0f2-4ad4-a593-610c7465a193" xlink:href="slm-20241231.xsd#slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants_63fa62ed-b0f2-4ad4-a593-610c7465a193" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants_ce7c98b4-a9d4-4d7e-9e13-fa3291da16f5" xlink:href="slm-20241231.xsd#slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants_ce7c98b4-a9d4-4d7e-9e13-fa3291da16f5" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1_441069ff-54ca-4011-9485-d4b769d4925d" xlink:href="slm-20241231.xsd#slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1_441069ff-54ca-4011-9485-d4b769d4925d" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2_c6386040-4981-4227-97f7-c41a42611c51" xlink:href="slm-20241231.xsd#slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2_c6386040-4981-4227-97f7-c41a42611c51" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus_52daa2e7-74f1-4e21-a2b9-ba1772b92fe6" xlink:href="slm-20241231.xsd#slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus_52daa2e7-74f1-4e21-a2b9-ba1772b92fe6" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration_9622a1a9-1d2f-46cd-9a6d-891f59c275dd" xlink:href="slm-20241231.xsd#slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration_9622a1a9-1d2f-46cd-9a6d-891f59c275dd" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestRateReductionPercentage_f3218c5d-0305-4810-854c-e90ff30bc6f8" xlink:href="slm-20241231.xsd#slm_InterestRateReductionPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_InterestRateReductionPercentage_f3218c5d-0305-4810-854c-e90ff30bc6f8" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_b8e03de0-89bd-4e78-bcce-de127bde3ba7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_b8e03de0-89bd-4e78-bcce-de127bde3ba7" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PeriodofLoansPastDueThatHaveAccruedInterest_7cbb1b08-3bcb-42ba-9e10-deacb929f3fb" xlink:href="slm-20241231.xsd#slm_PeriodofLoansPastDueThatHaveAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_PeriodofLoansPastDueThatHaveAccruedInterest_7cbb1b08-3bcb-42ba-9e10-deacb929f3fb" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansinNonaccrualStatus_348f58cb-b766-44dd-a795-44d376104a90" xlink:href="slm-20241231.xsd#slm_LoansinNonaccrualStatus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_LoansinNonaccrualStatus_348f58cb-b766-44dd-a795-44d376104a90" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoanspledgedtoBorrowerinCustody_e7bb4f49-4ebb-4ce0-b305-3d75f62ccf34" xlink:href="slm-20241231.xsd#slm_LoanspledgedtoBorrowerinCustody"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_LoanspledgedtoBorrowerinCustody_e7bb4f49-4ebb-4ce0-b305-3d75f62ccf34" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofLoansconcentratedinmajorstates_ebf7ae13-b6f4-4143-a178-a209bd1f698b" xlink:href="slm-20241231.xsd#slm_PercentageofLoansconcentratedinmajorstates"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_PercentageofLoansconcentratedinmajorstates_ebf7ae13-b6f4-4143-a178-a209bd1f698b" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofAggregateOutstandingLoansHeldForInvestment_a19165a2-7440-406e-8878-9fe3bd8f37d5" xlink:href="slm-20241231.xsd#slm_PercentageofAggregateOutstandingLoansHeldForInvestment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_PercentageofAggregateOutstandingLoansHeldForInvestment_a19165a2-7440-406e-8878-9fe3bd8f37d5" xlink:type="arc" order="18"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2159e335-71f3-4fdd-9dc3-c7a539081116" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_72d8352c-7b79-4558-b27d-d28a1fd40bae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2159e335-71f3-4fdd-9dc3-c7a539081116" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_72d8352c-7b79-4558-b27d-d28a1fd40bae" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_9453fdee-6111-43a6-af29-a89005b12373" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_72d8352c-7b79-4558-b27d-d28a1fd40bae" xlink:to="loc_us-gaap_DebtInstrumentAxis_9453fdee-6111-43a6-af29-a89005b12373" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_9453fdee-6111-43a6-af29-a89005b12373_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_9453fdee-6111-43a6-af29-a89005b12373" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_9453fdee-6111-43a6-af29-a89005b12373_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_c5d1d5b7-95e4-4d30-a258-e5349a9c3b55" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_9453fdee-6111-43a6-af29-a89005b12373" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_c5d1d5b7-95e4-4d30-a258-e5349a9c3b55" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_cb5076a2-2234-4a76-9217-02cc2f0df695" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c5d1d5b7-95e4-4d30-a258-e5349a9c3b55" xlink:to="loc_slm_PrivateEducationLoansMember_cb5076a2-2234-4a76-9217-02cc2f0df695" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSalePrincipal_d6f076ab-6ce9-43c6-89f6-588cfba7adec" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSalePrincipal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2159e335-71f3-4fdd-9dc3-c7a539081116" xlink:to="loc_slm_FinancingReceivableSalePrincipal_d6f076ab-6ce9-43c6-89f6-588cfba7adec" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSaleCapitalizedInterest_c7987766-eb98-4f18-bec8-fae1e8ddadbc" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSaleCapitalizedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2159e335-71f3-4fdd-9dc3-c7a539081116" xlink:to="loc_slm_FinancingReceivableSaleCapitalizedInterest_c7987766-eb98-4f18-bec8-fae1e8ddadbc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableSale_360f61fe-4591-493e-a454-c3bb611d0de8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2159e335-71f3-4fdd-9dc3-c7a539081116" xlink:to="loc_us-gaap_FinancingReceivableSale_360f61fe-4591-493e-a454-c3bb611d0de8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_7e4d34fa-62b7-4186-8300-5befdef7d506" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2159e335-71f3-4fdd-9dc3-c7a539081116" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_7e4d34fa-62b7-4186-8300-5befdef7d506" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2ea48dd2-c786-4c41-90fc-2e3248f6ff3c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_3800e9e2-9158-44e1-9370-365c78cf33ac" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2ea48dd2-c786-4c41-90fc-2e3248f6ff3c" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_3800e9e2-9158-44e1-9370-365c78cf33ac" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_1372dfe5-350e-437f-a95c-6bc3a99df375" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_3800e9e2-9158-44e1-9370-365c78cf33ac" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_1372dfe5-350e-437f-a95c-6bc3a99df375" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_1372dfe5-350e-437f-a95c-6bc3a99df375_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_1372dfe5-350e-437f-a95c-6bc3a99df375" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_1372dfe5-350e-437f-a95c-6bc3a99df375_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_32f7d939-c787-44e5-a734-392c907a27cf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_1372dfe5-350e-437f-a95c-6bc3a99df375" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_32f7d939-c787-44e5-a734-392c907a27cf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_9ad5ea9a-61f3-4c2d-b576-d71515cd44eb" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_32f7d939-c787-44e5-a734-392c907a27cf" xlink:to="loc_slm_PrivateEducationLoansMember_9ad5ea9a-61f3-4c2d-b576-d71515cd44eb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_d1b8da6c-5817-47dd-9c5d-5f6c589f14e1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_32f7d939-c787-44e5-a734-392c907a27cf" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_d1b8da6c-5817-47dd-9c5d-5f6c589f14e1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeAxis_45109c8b-3a7e-4849-b45b-d042f4367d6e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingActivityByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_3800e9e2-9158-44e1-9370-365c78cf33ac" xlink:to="loc_us-gaap_TradingActivityByTypeAxis_45109c8b-3a7e-4849-b45b-d042f4367d6e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_45109c8b-3a7e-4849-b45b-d042f4367d6e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_45109c8b-3a7e-4849-b45b-d042f4367d6e" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_45109c8b-3a7e-4849-b45b-d042f4367d6e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_1acfc611-e9af-4dad-9dc0-c5e2e0618326" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_45109c8b-3a7e-4849-b45b-d042f4367d6e" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_1acfc611-e9af-4dad-9dc0-c5e2e0618326" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInterestRateMember_24f57b9c-d1c2-427a-b820-87ae3a651657" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FixedIncomeInterestRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_1acfc611-e9af-4dad-9dc0-c5e2e0618326" xlink:to="loc_us-gaap_FixedIncomeInterestRateMember_24f57b9c-d1c2-427a-b820-87ae3a651657" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableIncomeInterestRateMember_51c07ca4-63f0-424e-95a6-cd54c4c717fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableIncomeInterestRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_1acfc611-e9af-4dad-9dc0-c5e2e0618326" xlink:to="loc_us-gaap_VariableIncomeInterestRateMember_51c07ca4-63f0-424e-95a6-cd54c4c717fa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_e5f0a1c3-d2fa-403d-9322-7373ce275310" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2ea48dd2-c786-4c41-90fc-2e3248f6ff3c" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_e5f0a1c3-d2fa-403d-9322-7373ce275310" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_036752ad-d4b6-4dc0-8a0b-6ec1a5bdd2d4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2ea48dd2-c786-4c41-90fc-2e3248f6ff3c" xlink:to="loc_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_036752ad-d4b6-4dc0-8a0b-6ec1a5bdd2d4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_07472a28-a793-4de2-ac76-2ff208814aeb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2ea48dd2-c786-4c41-90fc-2e3248f6ff3c" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_07472a28-a793-4de2-ac76-2ff208814aeb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_cfe3e212-9096-4903-8aae-ded425086752" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2ea48dd2-c786-4c41-90fc-2e3248f6ff3c" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_cfe3e212-9096-4903-8aae-ded425086752" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_6527391f-9a63-47a1-b278-7eac1e0015be" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_a6f318f8-aaca-49b8-bc6d-842634c444a0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_6527391f-9a63-47a1-b278-7eac1e0015be" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_a6f318f8-aaca-49b8-bc6d-842634c444a0" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_17d99305-97c4-40a5-88e0-4300afcc74ec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_a6f318f8-aaca-49b8-bc6d-842634c444a0" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_17d99305-97c4-40a5-88e0-4300afcc74ec" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_17d99305-97c4-40a5-88e0-4300afcc74ec_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_17d99305-97c4-40a5-88e0-4300afcc74ec" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_17d99305-97c4-40a5-88e0-4300afcc74ec_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_eb66da31-4932-4435-8789-14ba0226fe2b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_17d99305-97c4-40a5-88e0-4300afcc74ec" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_eb66da31-4932-4435-8789-14ba0226fe2b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_c2c6e005-d3ed-43f4-861f-392a16825310" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_eb66da31-4932-4435-8789-14ba0226fe2b" xlink:to="loc_slm_PrivateEducationLoansMember_c2c6e005-d3ed-43f4-861f-392a16825310" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_2153805d-8461-49f9-bccc-65d43afba5d4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_eb66da31-4932-4435-8789-14ba0226fe2b" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_2153805d-8461-49f9-bccc-65d43afba5d4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance_9494a56a-84be-461e-8e0b-3f7db5dd27ee" xlink:href="slm-20241231.xsd#slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_6527391f-9a63-47a1-b278-7eac1e0015be" xlink:to="loc_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance_9494a56a-84be-461e-8e0b-3f7db5dd27ee" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_WeightedAverageInterestRateonLoans_2c5875ac-2d8c-4925-a9de-856338ba85ff" xlink:href="slm-20241231.xsd#slm_WeightedAverageInterestRateonLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_6527391f-9a63-47a1-b278-7eac1e0015be" xlink:to="loc_slm_WeightedAverageInterestRateonLoans_2c5875ac-2d8c-4925-a9de-856338ba85ff" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentByRegionDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansheldforinvestmentbyRegionLineItems_2dd74c9a-f686-46da-a4b4-8ae972a48c81" xlink:href="slm-20241231.xsd#slm_LoansheldforinvestmentbyRegionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansheldforinvestmentbyRegionTable_4fe78712-6932-4ce8-ba66-ad55fb6f29fe" xlink:href="slm-20241231.xsd#slm_LoansheldforinvestmentbyRegionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_slm_LoansheldforinvestmentbyRegionLineItems_2dd74c9a-f686-46da-a4b4-8ae972a48c81" xlink:to="loc_slm_LoansheldforinvestmentbyRegionTable_4fe78712-6932-4ce8-ba66-ad55fb6f29fe" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_24b9b1d6-9748-47c4-ad94-99823ffd8d4b" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_StatementGeographicalAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_slm_LoansheldforinvestmentbyRegionTable_4fe78712-6932-4ce8-ba66-ad55fb6f29fe" xlink:to="loc_srt_StatementGeographicalAxis_24b9b1d6-9748-47c4-ad94-99823ffd8d4b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_24b9b1d6-9748-47c4-ad94-99823ffd8d4b_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_SegmentGeographicalDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_StatementGeographicalAxis_24b9b1d6-9748-47c4-ad94-99823ffd8d4b" xlink:to="loc_srt_SegmentGeographicalDomain_24b9b1d6-9748-47c4-ad94-99823ffd8d4b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_SegmentGeographicalDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_StatementGeographicalAxis_24b9b1d6-9748-47c4-ad94-99823ffd8d4b" xlink:to="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CA_c750774f-e443-4695-b735-3073878a9138" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_CA"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:to="loc_stpr_CA_c750774f-e443-4695-b735-3073878a9138" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NY_653c258b-716a-415c-94f7-211917875b7c" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_NY"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:to="loc_stpr_NY_653c258b-716a-415c-94f7-211917875b7c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_PA_80edfe91-09ec-4c9d-a914-0cbf0b9fd9fb" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_PA"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:to="loc_stpr_PA_80edfe91-09ec-4c9d-a914-0cbf0b9fd9fb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_TX_99307c82-ea16-4ce1-9267-11b2c2e02186" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_TX"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:to="loc_stpr_TX_99307c82-ea16-4ce1-9267-11b2c2e02186" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NJ_162cb5f3-75a8-4a04-8851-a09dca753401" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_NJ"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:to="loc_stpr_NJ_162cb5f3-75a8-4a04-8851-a09dca753401" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_FL_9eab72c5-67cb-4bc2-9acc-c2c1429e4b52" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_FL"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:to="loc_stpr_FL_9eab72c5-67cb-4bc2-9acc-c2c1429e4b52" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofLoansheldinstate_51916855-cc72-4939-abc2-7cf5a6b50436" xlink:href="slm-20241231.xsd#slm_PercentageofLoansheldinstate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_LoansheldforinvestmentbyRegionLineItems_2dd74c9a-f686-46da-a4b4-8ae972a48c81" xlink:to="loc_slm_PercentageofLoansheldinstate_51916855-cc72-4939-abc2-7cf5a6b50436" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofLoansconcentratedinmajorstates_deb4a047-16e3-415f-bd60-bc14005859e5" xlink:href="slm-20241231.xsd#slm_PercentageofLoansconcentratedinmajorstates"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_LoansheldforinvestmentbyRegionLineItems_2dd74c9a-f686-46da-a4b4-8ae972a48c81" xlink:to="loc_slm_PercentageofLoansconcentratedinmajorstates_deb4a047-16e3-415f-bd60-bc14005859e5" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2c711f48-7809-4b0b-a2bb-e0c2182548be" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2c711f48-7809-4b0b-a2bb-e0c2182548be" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_312022fc-a845-4122-85d1-15bcce1e40bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2c711f48-7809-4b0b-a2bb-e0c2182548be" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_312022fc-a845-4122-85d1-15bcce1e40bb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_312022fc-a845-4122-85d1-15bcce1e40bb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_312022fc-a845-4122-85d1-15bcce1e40bb" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_312022fc-a845-4122-85d1-15bcce1e40bb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_a99d9b1d-f2be-45ab-aacc-27a4be780b60" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_312022fc-a845-4122-85d1-15bcce1e40bb" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_a99d9b1d-f2be-45ab-aacc-27a4be780b60" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_2766694e-a84e-43a4-9961-878f1dad2643" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_a99d9b1d-f2be-45ab-aacc-27a4be780b60" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_2766694e-a84e-43a4-9961-878f1dad2643" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_ed968e5c-2431-4346-9a5d-e27f72ec9f5c" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_a99d9b1d-f2be-45ab-aacc-27a4be780b60" xlink:to="loc_slm_PrivateEducationLoansMember_ed968e5c-2431-4346-9a5d-e27f72ec9f5c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditCardsMember_1a1c6d4a-b0e1-442d-bc1a-f46cf7220ef3" xlink:href="slm-20241231.xsd#slm_CreditCardsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_a99d9b1d-f2be-45ab-aacc-27a4be780b60" xlink:to="loc_slm_CreditCardsMember_1a1c6d4a-b0e1-442d-bc1a-f46cf7220ef3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:href="slm-20241231.xsd#slm_AllowanceForCreditLossesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_bb1e1f4e-ea4a-4ea6-a97a-ddb076aefd19" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_bb1e1f4e-ea4a-4ea6-a97a-ddb076aefd19" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments_3c68b1b3-23bc-44f1-8c2e-73da540d51e9" xlink:href="slm-20241231.xsd#slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments_3c68b1b3-23bc-44f1-8c2e-73da540d51e9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_1890a29b-2da1-46f3-be9e-952ae1790434" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_1890a29b-2da1-46f3-be9e-952ae1790434" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold_de85a35e-de0a-443b-9f55-299b7d0f4c79" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold_de85a35e-de0a-443b-9f55-299b7d0f4c79" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_6ceebfcd-f051-4ffa-8cd8-5a148b98fa6a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_6ceebfcd-f051-4ffa-8cd8-5a148b98fa6a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery_37923a20-b48b-43ef-b24a-179bd8185831" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery_37923a20-b48b-43ef-b24a-179bd8185831" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_235fbc4c-7f13-47d4-9e3e-b0241c487c28" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_235fbc4c-7f13-47d4-9e3e-b0241c487c28" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_aeb6a884-4cee-4920-9da4-350980a60b03" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_235fbc4c-7f13-47d4-9e3e-b0241c487c28" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_aeb6a884-4cee-4920-9da4-350980a60b03" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_16084852-4a2d-47c6-b3d8-cd8cfaf592ae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_235fbc4c-7f13-47d4-9e3e-b0241c487c28" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_16084852-4a2d-47c6-b3d8-cd8cfaf592ae" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_d5754e41-9a95-41e4-a072-c0b1b7cbbb32" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_235fbc4c-7f13-47d4-9e3e-b0241c487c28" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_d5754e41-9a95-41e4-a072-c0b1b7cbbb32" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale_1bde2fe4-57cf-496e-8b48-2ad7ba2e7649" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_235fbc4c-7f13-47d4-9e3e-b0241c487c28" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale_1bde2fe4-57cf-496e-8b48-2ad7ba2e7649" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_24c22bda-e9a8-4797-a10c-6d1a4de570ca" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceAbstract_d7a1f6c2-bbd1-42ba-88a0-009805fd949b" xlink:href="slm-20241231.xsd#slm_AllowanceAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_AllowanceAbstract_d7a1f6c2-bbd1-42ba-88a0-009805fd949b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_9f6707d8-316a-4d40-8b04-678e6ba432cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AllowanceAbstract_d7a1f6c2-bbd1-42ba-88a0-009805fd949b" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_9f6707d8-316a-4d40-8b04-678e6ba432cd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_a7eea0b9-ae87-4dc5-b990-7c48efbb4dce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AllowanceAbstract_d7a1f6c2-bbd1-42ba-88a0-009805fd949b" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_a7eea0b9-ae87-4dc5-b990-7c48efbb4dce" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OffBalanceSheetCreditLossLiabilityWriteoff_295b5db1-6c47-44a4-a7e3-207d3b4529d8" xlink:href="slm-20241231.xsd#slm_OffBalanceSheetCreditLossLiabilityWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AllowanceAbstract_d7a1f6c2-bbd1-42ba-88a0-009805fd949b" xlink:to="loc_slm_OffBalanceSheetCreditLossLiabilityWriteoff_295b5db1-6c47-44a4-a7e3-207d3b4529d8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_fcb86a10-81bf-4900-a9b0-30589ab49e8a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForCreditLossExcludingAccruedInterest_eaf4feff-ef87-4954-8f7e-d83a21a2d812" xlink:href="slm-20241231.xsd#slm_AllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_AllowanceForCreditLossExcludingAccruedInterest_eaf4feff-ef87-4954-8f7e-d83a21a2d812" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:href="slm-20241231.xsd#slm_AccruedInterestToBeCapitalizedAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment_8d248ae6-9be4-47db-b7fd-44a09d86388e" xlink:href="slm-20241231.xsd#slm_ChargeOffsAsPercentageOfAverageLoansInRepayment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment_8d248ae6-9be4-47db-b7fd-44a09d86388e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs_cd5ce9b6-f1e2-4f89-8c9a-4b2f490b91c0" xlink:href="slm-20241231.xsd#slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs_cd5ce9b6-f1e2-4f89-8c9a-4b2f490b91c0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest_2c983caf-423a-4aa3-920b-427b6c410dec" xlink:href="slm-20241231.xsd#slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest_2c983caf-423a-4aa3-920b-427b6c410dec" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceCoverageOfChargeOffsEndingLoans_91b545a9-0b0c-48b6-a265-add655276570" xlink:href="slm-20241231.xsd#slm_AllowanceCoverageOfChargeOffsEndingLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_slm_AllowanceCoverageOfChargeOffsEndingLoans_91b545a9-0b0c-48b6-a265-add655276570" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment_0b5b5eb0-730d-4eb3-a784-32c2325a2259" xlink:href="slm-20241231.xsd#slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment_0b5b5eb0-730d-4eb3-a784-32c2325a2259" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment_0b377438-75bf-4cbe-8437-f8d85d273dfa" xlink:href="slm-20241231.xsd#slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment_0b377438-75bf-4cbe-8437-f8d85d273dfa" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_e933f721-966c-4050-a9fc-24ab09eb068a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_e933f721-966c-4050-a9fc-24ab09eb068a" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_a781f579-653e-4e29-841c-2a96112a5008" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestReceivable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_us-gaap_InterestReceivable_a781f579-653e-4e29-841c-2a96112a5008" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments_174bd663-d0fa-4aa2-80f4-5b1741e83662" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalNewCommitments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments_174bd663-d0fa-4aa2-80f4-5b1741e83662" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments_2d1c84d5-2e9b-434f-8bd5-8e103f720442" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments_2d1c84d5-2e9b-434f-8bd5-8e103f720442" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalCommitments_f5671db8-404d-42c4-b576-f4cb62d35a56" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalCommitments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_FinancingReceivableCreditLossExpenseReversalCommitments_f5671db8-404d-42c4-b576-f4cb62d35a56" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts_6dffa6a5-c377-49b7-84ac-9254e7605f0a" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts_6dffa6a5-c377-49b7-84ac-9254e7605f0a" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_2831830f-463f-49a3-9e17-fadaaecd9ac7" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_2831830f-463f-49a3-9e17-fadaaecd9ac7" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:href="slm-20241231.xsd#slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:href="slm-20241231.xsd#slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_8c2c7e3b-9c0c-4cd8-9bb4-2195b568dc77" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:to="loc_srt_RangeAxis_8c2c7e3b-9c0c-4cd8-9bb4-2195b568dc77" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_8c2c7e3b-9c0c-4cd8-9bb4-2195b568dc77_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_8c2c7e3b-9c0c-4cd8-9bb4-2195b568dc77" xlink:to="loc_srt_RangeMember_8c2c7e3b-9c0c-4cd8-9bb4-2195b568dc77_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_9f1fe18a-572b-412c-99b3-ace79e9afd2e" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_8c2c7e3b-9c0c-4cd8-9bb4-2195b568dc77" xlink:to="loc_srt_RangeMember_9f1fe18a-572b-412c-99b3-ace79e9afd2e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_f9ed9168-8198-471c-9aad-e2e549f177fc" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_9f1fe18a-572b-412c-99b3-ace79e9afd2e" xlink:to="loc_srt_MaximumMember_f9ed9168-8198-471c-9aad-e2e549f177fc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_17be341a-0f2c-4192-9ca6-cb784fa95c6e" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_9f1fe18a-572b-412c-99b3-ace79e9afd2e" xlink:to="loc_srt_MinimumMember_17be341a-0f2c-4192-9ca6-cb784fa95c6e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_9e4ada06-4527-41ff-8402-0686ad6638a6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_9e4ada06-4527-41ff-8402-0686ad6638a6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_9e4ada06-4527-41ff-8402-0686ad6638a6_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_9e4ada06-4527-41ff-8402-0686ad6638a6" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_9e4ada06-4527-41ff-8402-0686ad6638a6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_7fc418ed-d5c1-4304-96cf-7d22d9984522" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_9e4ada06-4527-41ff-8402-0686ad6638a6" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_7fc418ed-d5c1-4304-96cf-7d22d9984522" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_07c5d9b2-88a6-47ca-a4db-db5dd504a837" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_7fc418ed-d5c1-4304-96cf-7d22d9984522" xlink:to="loc_slm_PrivateEducationLoansMember_07c5d9b2-88a6-47ca-a4db-db5dd504a837" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_fa99c4a2-b6a3-4340-83da-d8a2160f0f0f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_7fc418ed-d5c1-4304-96cf-7d22d9984522" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_fa99c4a2-b6a3-4340-83da-d8a2160f0f0f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9677dfdf-5fbc-43df-aa26-85c18eab50c9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9677dfdf-5fbc-43df-aa26-85c18eab50c9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9677dfdf-5fbc-43df-aa26-85c18eab50c9_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9677dfdf-5fbc-43df-aa26-85c18eab50c9" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9677dfdf-5fbc-43df-aa26-85c18eab50c9_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_143ea1fc-0183-48a4-b0df-2c2830783e62" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9677dfdf-5fbc-43df-aa26-85c18eab50c9" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_143ea1fc-0183-48a4-b0df-2c2830783e62" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_540cf519-ad03-4d88-8ddc-ab5bbf1d25a9" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_143ea1fc-0183-48a4-b0df-2c2830783e62" xlink:to="loc_slm_PrivateEducationLoansMember_540cf519-ad03-4d88-8ddc-ab5bbf1d25a9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_4ac5f079-605c-499a-9615-f362a4d0a564" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_4ac5f079-605c-499a-9615-f362a4d0a564" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_4ac5f079-605c-499a-9615-f362a4d0a564_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_4ac5f079-605c-499a-9615-f362a4d0a564" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_4ac5f079-605c-499a-9615-f362a4d0a564_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_dfd41d87-e3a8-47e1-ba1b-725bd3a3d005" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_4ac5f079-605c-499a-9615-f362a4d0a564" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_dfd41d87-e3a8-47e1-ba1b-725bd3a3d005" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember_5f5a649d-3a0c-422d-afdd-723440364feb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_dfd41d87-e3a8-47e1-ba1b-725bd3a3d005" xlink:to="loc_us-gaap_ExtendedMaturityMember_5f5a649d-3a0c-422d-afdd-723440364feb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_d2c2ce9a-fdbe-4980-b954-d7733a8dc9c6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_d2c2ce9a-fdbe-4980-b954-d7733a8dc9c6" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_d2c2ce9a-fdbe-4980-b954-d7733a8dc9c6_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_d2c2ce9a-fdbe-4980-b954-d7733a8dc9c6" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_d2c2ce9a-fdbe-4980-b954-d7733a8dc9c6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_9f6a0bcd-14f7-4e58-a96e-b182cf4bfb19" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_d2c2ce9a-fdbe-4980-b954-d7733a8dc9c6" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_9f6a0bcd-14f7-4e58-a96e-b182cf4bfb19" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_fc7ec6d8-3e2b-4b5b-a0a6-1363661d2b3c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_9f6a0bcd-14f7-4e58-a96e-b182cf4bfb19" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_fc7ec6d8-3e2b-4b5b-a0a6-1363661d2b3c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_b72bb9a0-4223-4568-bbf0-15b34a295db3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_9f6a0bcd-14f7-4e58-a96e-b182cf4bfb19" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_b72bb9a0-4223-4568-bbf0-15b34a295db3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_e206003c-3425-4808-9551-1086786e1008" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_9f6a0bcd-14f7-4e58-a96e-b182cf4bfb19" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_e206003c-3425-4808-9551-1086786e1008" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_211ada20-fde8-4bb2-9e73-2f5ab6da8110" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_9f6a0bcd-14f7-4e58-a96e-b182cf4bfb19" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_211ada20-fde8-4bb2-9e73-2f5ab6da8110" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal_884e6d5c-de70-4a91-87df-be150a7298fe" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal_884e6d5c-de70-4a91-87df-be150a7298fe" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold_3473f551-279a-4e32-94e9-36c4d801bf63" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold_3473f551-279a-4e32-94e9-36c4d801bf63" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold_a98bfb7f-e94e-42ad-b2b8-eb3d32ad5919" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold_a98bfb7f-e94e-42ad-b2b8-eb3d32ad5919" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CriteriaForLoansToBeConsideredAsNonperforming_2ce5ab0f-9cf6-441e-9029-7477c52711ae" xlink:href="slm-20241231.xsd#slm_CriteriaForLoansToBeConsideredAsNonperforming"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_CriteriaForLoansToBeConsideredAsNonperforming_2ce5ab0f-9cf6-441e-9029-7477c52711ae" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TierOneofGovernmentGuarantee_da85ad46-97d9-48ac-9779-b4116723b30c" xlink:href="slm-20241231.xsd#slm_TierOneofGovernmentGuarantee"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_TierOneofGovernmentGuarantee_da85ad46-97d9-48ac-9779-b4116723b30c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted_11dbbccb-1ff9-473c-971e-2b7c90d08fcd" xlink:href="slm-20241231.xsd#slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted_11dbbccb-1ff9-473c-971e-2b7c90d08fcd" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan_dc8189d9-36b5-4d97-beab-fdcba96a37ea" xlink:href="slm-20241231.xsd#slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan_dc8189d9-36b5-4d97-beab-fdcba96a37ea" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants_6b43a85c-9c3b-4c3f-94bb-d23dbefe43cd" xlink:href="slm-20241231.xsd#slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants_6b43a85c-9c3b-4c3f-94bb-d23dbefe43cd" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated_8786bb42-4418-443c-b5a0-d7ef246fefe7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated_8786bb42-4418-443c-b5a0-d7ef246fefe7" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_9b19bc06-2ea5-425b-9908-8a2cd18feba7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_9b19bc06-2ea5-425b-9908-8a2cd18feba7" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_ada59d58-0743-40e0-ae50-1377cb3afbd5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_ada59d58-0743-40e0-ae50-1377cb3afbd5" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsRecordedInvestment_e366e5db-8b5d-4c4b-80f4-3e73b5d3ed31" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_us-gaap_FinancingReceivableModificationsRecordedInvestment_e366e5db-8b5d-4c4b-80f4-3e73b5d3ed31" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_baba16b2-b502-4e9a-9557-cef70876325f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_baba16b2-b502-4e9a-9557-cef70876325f" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount_cd5094ab-5360-4d62-a840-42e99ec9a569" xlink:href="slm-20241231.xsd#slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount_cd5094ab-5360-4d62-a840-42e99ec9a569" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable_f1d558a0-ea66-4c25-a715-416f0d60fe44" xlink:href="slm-20241231.xsd#slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable_f1d558a0-ea66-4c25-a715-416f0d60fe44" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PeriodofLoansPastDueThatHaveAccruedInterest_44d02ecb-94b9-4404-b5c1-255aeb715549" xlink:href="slm-20241231.xsd#slm_PeriodofLoansPastDueThatHaveAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_PeriodofLoansPastDueThatHaveAccruedInterest_44d02ecb-94b9-4404-b5c1-255aeb715549" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest_50c56068-5689-49c3-909c-4fff48a5fe88" xlink:href="slm-20241231.xsd#slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest_50c56068-5689-49c3-909c-4fff48a5fe88" xlink:type="arc" order="16"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_3fa55c7e-1c12-4964-9dc1-88c649b4c43b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_9227de75-9921-4fa4-8a36-81f6e822023f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_3fa55c7e-1c12-4964-9dc1-88c649b4c43b" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_9227de75-9921-4fa4-8a36-81f6e822023f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_b0be96f6-6702-42e3-9d82-a6ae4ece77bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_9227de75-9921-4fa4-8a36-81f6e822023f" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_b0be96f6-6702-42e3-9d82-a6ae4ece77bb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_b0be96f6-6702-42e3-9d82-a6ae4ece77bb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_b0be96f6-6702-42e3-9d82-a6ae4ece77bb" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_b0be96f6-6702-42e3-9d82-a6ae4ece77bb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_4cefb273-e144-4bc9-957a-5b5a761a278b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_b0be96f6-6702-42e3-9d82-a6ae4ece77bb" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_4cefb273-e144-4bc9-957a-5b5a761a278b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_46a6eb8a-166f-4083-af7a-2fc8cab70aee" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_4cefb273-e144-4bc9-957a-5b5a761a278b" xlink:to="loc_slm_PrivateEducationLoansMember_46a6eb8a-166f-4083-af7a-2fc8cab70aee" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_e8ac9acb-35ef-419e-b296-cb55c1dcf86c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_9227de75-9921-4fa4-8a36-81f6e822023f" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_e8ac9acb-35ef-419e-b296-cb55c1dcf86c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_e8ac9acb-35ef-419e-b296-cb55c1dcf86c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_e8ac9acb-35ef-419e-b296-cb55c1dcf86c" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_e8ac9acb-35ef-419e-b296-cb55c1dcf86c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_618304ed-d85d-4e30-a028-b59ac5c2ad1e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_e8ac9acb-35ef-419e-b296-cb55c1dcf86c" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_618304ed-d85d-4e30-a028-b59ac5c2ad1e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateBelowMarketReductionMember_b5401e44-1bfa-4a61-91b3-d81a542ef4bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestRateBelowMarketReductionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_618304ed-d85d-4e30-a028-b59ac5c2ad1e" xlink:to="loc_us-gaap_InterestRateBelowMarketReductionMember_b5401e44-1bfa-4a61-91b3-d81a542ef4bf" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestRateReductionAndTermExtensionMember_d9b013ef-6b2b-440f-8f67-c644ce5ca0d1" xlink:href="slm-20241231.xsd#slm_InterestRateReductionAndTermExtensionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_618304ed-d85d-4e30-a028-b59ac5c2ad1e" xlink:to="loc_slm_InterestRateReductionAndTermExtensionMember_d9b013ef-6b2b-440f-8f67-c644ce5ca0d1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_f0edbd09-5273-4d44-8891-04ab59609daf" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_9227de75-9921-4fa4-8a36-81f6e822023f" xlink:to="loc_srt_RangeAxis_f0edbd09-5273-4d44-8891-04ab59609daf" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_f0edbd09-5273-4d44-8891-04ab59609daf_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_f0edbd09-5273-4d44-8891-04ab59609daf" xlink:to="loc_srt_RangeMember_f0edbd09-5273-4d44-8891-04ab59609daf_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_2af3825f-0fc1-4069-8a9c-8c2c54485747" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_f0edbd09-5273-4d44-8891-04ab59609daf" xlink:to="loc_srt_RangeMember_2af3825f-0fc1-4069-8a9c-8c2c54485747" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_3bec60ab-01a4-42ce-8a43-f590bc190186" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_2af3825f-0fc1-4069-8a9c-8c2c54485747" xlink:to="loc_srt_MinimumMember_3bec60ab-01a4-42ce-8a43-f590bc190186" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_ec87e742-0a6e-4640-8a78-d6eaaad2e733" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_2af3825f-0fc1-4069-8a9c-8c2c54485747" xlink:to="loc_srt_MaximumMember_ec87e742-0a6e-4640-8a78-d6eaaad2e733" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost_b2497ed6-46b1-48d8-ba11-a479a5a239be" xlink:href="slm-20241231.xsd#slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_3fa55c7e-1c12-4964-9dc1-88c649b4c43b" xlink:to="loc_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost_b2497ed6-46b1-48d8-ba11-a479a5a239be" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage_469e8b9b-2afc-4223-b097-2af50e250c31" xlink:href="slm-20241231.xsd#slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_3fa55c7e-1c12-4964-9dc1-88c649b4c43b" xlink:to="loc_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage_469e8b9b-2afc-4223-b097-2af50e250c31" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableChangeInContractualRate_3319c722-c1b0-4add-b855-be982cf342a7" xlink:href="slm-20241231.xsd#slm_FinancingReceivableChangeInContractualRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_3fa55c7e-1c12-4964-9dc1-88c649b4c43b" xlink:to="loc_slm_FinancingReceivableChangeInContractualRate_3319c722-c1b0-4add-b855-be982cf342a7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_WeightedAverageLifeOfLoans_0719d613-a44a-440a-bef2-639415865184" xlink:href="slm-20241231.xsd#slm_WeightedAverageLifeOfLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_3fa55c7e-1c12-4964-9dc1-88c649b4c43b" xlink:to="loc_slm_WeightedAverageLifeOfLoans_0719d613-a44a-440a-bef2-639415865184" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2c69a17e-256d-41e8-94a7-9b2a903a4515" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_6110b962-3188-406d-b5b8-e7f87454ad23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2c69a17e-256d-41e8-94a7-9b2a903a4515" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_6110b962-3188-406d-b5b8-e7f87454ad23" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_ed41d1e7-d860-4bb2-a025-7a2dbf45eb06" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_6110b962-3188-406d-b5b8-e7f87454ad23" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_ed41d1e7-d860-4bb2-a025-7a2dbf45eb06" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_ed41d1e7-d860-4bb2-a025-7a2dbf45eb06_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_ed41d1e7-d860-4bb2-a025-7a2dbf45eb06" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_ed41d1e7-d860-4bb2-a025-7a2dbf45eb06_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_8ecd8c3e-78f0-499a-b530-a426415dcfbc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_ed41d1e7-d860-4bb2-a025-7a2dbf45eb06" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_8ecd8c3e-78f0-499a-b530-a426415dcfbc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_86d13742-e092-471c-8bbb-461b8b39fee0" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_8ecd8c3e-78f0-499a-b530-a426415dcfbc" xlink:to="loc_slm_PrivateEducationLoansMember_86d13742-e092-471c-8bbb-461b8b39fee0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_1caca061-cb52-498b-8444-d7951727e1c0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_6110b962-3188-406d-b5b8-e7f87454ad23" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_1caca061-cb52-498b-8444-d7951727e1c0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_1caca061-cb52-498b-8444-d7951727e1c0_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_1caca061-cb52-498b-8444-d7951727e1c0" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_1caca061-cb52-498b-8444-d7951727e1c0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_6c76d25b-2b19-4283-93a6-c4db4e342fc4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_1caca061-cb52-498b-8444-d7951727e1c0" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_6c76d25b-2b19-4283-93a6-c4db4e342fc4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualInterestRateReductionMember_8dea05c9-36bc-428f-a89d-3968f3f0976c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ContractualInterestRateReductionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_6c76d25b-2b19-4283-93a6-c4db4e342fc4" xlink:to="loc_us-gaap_ContractualInterestRateReductionMember_8dea05c9-36bc-428f-a89d-3968f3f0976c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_8940fd88-8abe-44b4-906c-bd47eb1ba6c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ExtendedMaturityAndInterestRateReductionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_6c76d25b-2b19-4283-93a6-c4db4e342fc4" xlink:to="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_8940fd88-8abe-44b4-906c-bd47eb1ba6c2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_6606b694-1151-486a-96c3-a6338a88cbd3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_6110b962-3188-406d-b5b8-e7f87454ad23" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_6606b694-1151-486a-96c3-a6338a88cbd3" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_6606b694-1151-486a-96c3-a6338a88cbd3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_6606b694-1151-486a-96c3-a6338a88cbd3" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_6606b694-1151-486a-96c3-a6338a88cbd3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_a4375b96-1549-4f89-9e57-2ade06f31e2c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_6606b694-1151-486a-96c3-a6338a88cbd3" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_a4375b96-1549-4f89-9e57-2ade06f31e2c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember_6089f6a6-f9a1-4176-af6d-6a78c8f5d0cf" xlink:href="slm-20241231.xsd#slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_a4375b96-1549-4f89-9e57-2ade06f31e2c" xlink:to="loc_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember_6089f6a6-f9a1-4176-af6d-6a78c8f5d0cf" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_d4753cab-21cf-4f90-9212-1e3d8310d2f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2c69a17e-256d-41e8-94a7-9b2a903a4515" xlink:to="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_d4753cab-21cf-4f90-9212-1e3d8310d2f9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_cea590aa-f450-462f-b418-c1eb205a11f2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2c69a17e-256d-41e8-94a7-9b2a903a4515" xlink:to="loc_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_cea590aa-f450-462f-b418-c1eb205a11f2" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4ac16fdf-e00e-4d70-8ee8-3d622e7a21d0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b8446dd7-46c2-420c-ad7b-990d100daf05" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4ac16fdf-e00e-4d70-8ee8-3d622e7a21d0" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b8446dd7-46c2-420c-ad7b-990d100daf05" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_8ca71f47-eabb-4881-8986-315eb8f5d2ad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b8446dd7-46c2-420c-ad7b-990d100daf05" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_8ca71f47-eabb-4881-8986-315eb8f5d2ad" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_8ca71f47-eabb-4881-8986-315eb8f5d2ad_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_8ca71f47-eabb-4881-8986-315eb8f5d2ad" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_8ca71f47-eabb-4881-8986-315eb8f5d2ad_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_13dfdf21-89e4-4fc8-9509-2b8648b5ad24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_8ca71f47-eabb-4881-8986-315eb8f5d2ad" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_13dfdf21-89e4-4fc8-9509-2b8648b5ad24" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_638e6a1c-0264-492a-86fe-dcd50ca6a2bb" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_13dfdf21-89e4-4fc8-9509-2b8648b5ad24" xlink:to="loc_slm_PrivateEducationLoansMember_638e6a1c-0264-492a-86fe-dcd50ca6a2bb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e45f6a19-7841-4e23-867e-3bce33e9b69f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b8446dd7-46c2-420c-ad7b-990d100daf05" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e45f6a19-7841-4e23-867e-3bce33e9b69f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_e45f6a19-7841-4e23-867e-3bce33e9b69f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e45f6a19-7841-4e23-867e-3bce33e9b69f" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_e45f6a19-7841-4e23-867e-3bce33e9b69f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e45f6a19-7841-4e23-867e-3bce33e9b69f" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoanDefermentMember_9dbe31cb-6e47-4d27-82fb-25b2fc164c34" xlink:href="slm-20241231.xsd#slm_LoanDefermentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:to="loc_slm_LoanDefermentMember_9dbe31cb-6e47-4d27-82fb-25b2fc164c34" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_83c993b0-a5a6-4a40-80dd-f0841315b509" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_83c993b0-a5a6-4a40-80dd-f0841315b509" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_c4abc91e-1cc5-42b6-ac8b-e1f413584d3d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_c4abc91e-1cc5-42b6-ac8b-e1f413584d3d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_22cc45fa-20cf-43a1-a130-8f825abb9482" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_22cc45fa-20cf-43a1-a130-8f825abb9482" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_9129b9c9-80ef-40a5-8fc1-79edfe05bf23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_9129b9c9-80ef-40a5-8fc1-79edfe05bf23" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_489bcfb7-98ae-4002-ad4f-ec6130f95577" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4ac16fdf-e00e-4d70-8ee8-3d622e7a21d0" xlink:to="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_489bcfb7-98ae-4002-ad4f-ec6130f95577" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent_a3d9c138-f545-44d6-8be9-c9e8f3b3e09e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4ac16fdf-e00e-4d70-8ee8-3d622e7a21d0" xlink:to="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent_a3d9c138-f545-44d6-8be9-c9e8f3b3e09e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount_f958d255-8ec3-4110-bc0a-b6dfa8088cf9" xlink:href="slm-20241231.xsd#slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4ac16fdf-e00e-4d70-8ee8-3d622e7a21d0" xlink:to="loc_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount_f958d255-8ec3-4110-bc0a-b6dfa8088cf9" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_c63f6fe8-1d58-4250-bcec-09370fd1ffd4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_c63f6fe8-1d58-4250-bcec-09370fd1ffd4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c63f6fe8-1d58-4250-bcec-09370fd1ffd4_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_c63f6fe8-1d58-4250-bcec-09370fd1ffd4" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c63f6fe8-1d58-4250-bcec-09370fd1ffd4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_1da3f381-d349-4eab-bce9-8d7277c28588" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_c63f6fe8-1d58-4250-bcec-09370fd1ffd4" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_1da3f381-d349-4eab-bce9-8d7277c28588" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StudentLoanMember_427f89fa-e16a-4266-9482-691cecd0b1e5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StudentLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_1da3f381-d349-4eab-bce9-8d7277c28588" xlink:to="loc_us-gaap_StudentLoanMember_427f89fa-e16a-4266-9482-691cecd0b1e5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsAxis_fa7f97db-3b61-457d-95a3-9642e70d21bc" xlink:href="slm-20241231.xsd#slm_CreditQualityIndicatorsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:to="loc_slm_CreditQualityIndicatorsAxis_fa7f97db-3b61-457d-95a3-9642e70d21bc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsDomain_fa7f97db-3b61-457d-95a3-9642e70d21bc_default" xlink:href="slm-20241231.xsd#slm_CreditQualityIndicatorsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_slm_CreditQualityIndicatorsAxis_fa7f97db-3b61-457d-95a3-9642e70d21bc" xlink:to="loc_slm_CreditQualityIndicatorsDomain_fa7f97db-3b61-457d-95a3-9642e70d21bc_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsDomain_f8253b56-eeed-488d-9e8a-e272de07e03b" xlink:href="slm-20241231.xsd#slm_CreditQualityIndicatorsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_slm_CreditQualityIndicatorsAxis_fa7f97db-3b61-457d-95a3-9642e70d21bc" xlink:to="loc_slm_CreditQualityIndicatorsDomain_f8253b56-eeed-488d-9e8a-e272de07e03b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInSchoolGraceDefermentMember_95046d1e-17b9-4384-9006-dea690700752" xlink:href="slm-20241231.xsd#slm_LoansInSchoolGraceDefermentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_CreditQualityIndicatorsDomain_f8253b56-eeed-488d-9e8a-e272de07e03b" xlink:to="loc_slm_LoansInSchoolGraceDefermentMember_95046d1e-17b9-4384-9006-dea690700752" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceMember_0bff9951-f20b-4a38-be8a-ee4f7669c992" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_CreditQualityIndicatorsDomain_f8253b56-eeed-488d-9e8a-e272de07e03b" xlink:to="loc_slm_LoansInForbearanceMember_0bff9951-f20b-4a38-be8a-ee4f7669c992" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9b72473e-28f9-4dac-9dc7-84d7ef0be5d1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9b72473e-28f9-4dac-9dc7-84d7ef0be5d1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_9b72473e-28f9-4dac-9dc7-84d7ef0be5d1_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9b72473e-28f9-4dac-9dc7-84d7ef0be5d1" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_9b72473e-28f9-4dac-9dc7-84d7ef0be5d1_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_42581fc2-6fd6-4e36-9bc9-62c56f8a2a57" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9b72473e-28f9-4dac-9dc7-84d7ef0be5d1" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_42581fc2-6fd6-4e36-9bc9-62c56f8a2a57" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_7e3135e2-cf77-4af0-931b-291c59d57afa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_42581fc2-6fd6-4e36-9bc9-62c56f8a2a57" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_7e3135e2-cf77-4af0-931b-291c59d57afa" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_407d1c0b-9aea-4c8e-861b-b2bfa89f3778" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_407d1c0b-9aea-4c8e-861b-b2bfa89f3778" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_407d1c0b-9aea-4c8e-861b-b2bfa89f3778_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_407d1c0b-9aea-4c8e-861b-b2bfa89f3778" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_407d1c0b-9aea-4c8e-861b-b2bfa89f3778_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_407d1c0b-9aea-4c8e-861b-b2bfa89f3778" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInSchoolGraceDefermentMember_25f5cde3-89f2-475e-9ce8-58ec8c2d1ab6" xlink:href="slm-20241231.xsd#slm_LoansInSchoolGraceDefermentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:to="loc_slm_LoansInSchoolGraceDefermentMember_25f5cde3-89f2-475e-9ce8-58ec8c2d1ab6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_5e75d9e1-b265-4826-8143-83ba5db170c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_5e75d9e1-b265-4826-8143-83ba5db170c2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_0dcf70f7-afd1-4517-aae8-b308c6e57f51" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_0dcf70f7-afd1-4517-aae8-b308c6e57f51" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_86c718a9-8871-4fbb-811f-6b171a583d1c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_86c718a9-8871-4fbb-811f-6b171a583d1c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_8e6448f2-73c5-4b8c-9c6d-a300e010c9e5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_8e6448f2-73c5-4b8c-9c6d-a300e010c9e5" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_0010d448-8eff-4963-afd8-794b84806175" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_0010d448-8eff-4963-afd8-794b84806175" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_a76bd39b-3084-472d-88e8-82208112a7e6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_a76bd39b-3084-472d-88e8-82208112a7e6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_6fc70a66-da02-4b30-a709-d0a21bd54432" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_6fc70a66-da02-4b30-a709-d0a21bd54432" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_0958fda5-7f70-4be4-a04e-e9479c41811d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_0958fda5-7f70-4be4-a04e-e9479c41811d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_e43fe6a0-029f-431a-86bc-bceaf3ca35f0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_e43fe6a0-029f-431a-86bc-bceaf3ca35f0" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_34ceff79-7c51-4935-bc65-e6c9332262c6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_34ceff79-7c51-4935-bc65-e6c9332262c6" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_5bd6221b-b7a9-472c-b76a-4b778d0f9978" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_5bd6221b-b7a9-472c-b76a-4b778d0f9978" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear_4c882bd3-f070-4aa8-be39-f4728952d706" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear_4c882bd3-f070-4aa8-be39-f4728952d706" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_deb4de34-ed01-4eb1-880e-9e2e527f085e" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_deb4de34-ed01-4eb1-880e-9e2e527f085e" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_07b4ce24-b2d9-4cc3-a8ee-d7b412cef895" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_07b4ce24-b2d9-4cc3-a8ee-d7b412cef895" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_fb2e706d-b97c-4640-a82b-1febba50438c" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_fb2e706d-b97c-4640-a82b-1febba50438c" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_c980a6ad-d5c3-46f1-aff5-2fe86320c061" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_c980a6ad-d5c3-46f1-aff5-2fe86320c061" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear_8ccbda6a-6a56-4d87-8661-3ac5c0a40ca2" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear_8ccbda6a-6a56-4d87-8661-3ac5c0a40ca2" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_ddc786e7-9474-4dc4-8280-e1e2727b8a73" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_ddc786e7-9474-4dc4-8280-e1e2727b8a73" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedInCurrentFiscalYear_33c2f8c9-c60e-4ca4-9f42-e91751fe309d" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentOriginatedInCurrentFiscalYear_33c2f8c9-c60e-4ca4-9f42-e91751fe309d" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_8d8e45c4-2eca-4fe1-b221-3c2a80ac25fc" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_8d8e45c4-2eca-4fe1-b221-3c2a80ac25fc" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_85e229c0-f091-41ed-b627-251208e4b613" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_85e229c0-f091-41ed-b627-251208e4b613" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_0d5823d0-a442-4383-86d8-d17b92fd768d" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_0d5823d0-a442-4383-86d8-d17b92fd768d" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_2fa0a9a2-9180-4f66-b384-c41dd088e126" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_2fa0a9a2-9180-4f66-b384-c41dd088e126" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_ea579774-bc92-4d41-b8fd-345f0af80c0d" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_ea579774-bc92-4d41-b8fd-345f0af80c0d" xlink:type="arc" order="19"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_1b1363b7-b1f4-498e-b56e-f08f073b3ba1" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_1b1363b7-b1f4-498e-b56e-f08f073b3ba1" xlink:type="arc" order="20"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedInCurrentFiscalYear_4a1f610f-08b8-4175-813f-b1597d5d775a" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossOriginatedInCurrentFiscalYear_4a1f610f-08b8-4175-813f-b1597d5d775a" xlink:type="arc" order="21"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear_cf740aa9-ea00-4551-ac81-f4bdee3ea707" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear_cf740aa9-ea00-4551-ac81-f4bdee3ea707" xlink:type="arc" order="22"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear_561e0649-360a-47c4-a977-25a9ed01f4cd" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear_561e0649-360a-47c4-a977-25a9ed01f4cd" xlink:type="arc" order="23"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear_525a930c-07e9-43b9-b889-b58497a8d559" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear_525a930c-07e9-43b9-b889-b58497a8d559" xlink:type="arc" order="24"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear_e26c58b4-6ea9-4d6d-95cd-95395055d7a5" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear_e26c58b4-6ea9-4d6d-95cd-95395055d7a5" xlink:type="arc" order="25"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear_7dfbc237-91c9-49d0-bee4-97a36bd82162" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear_7dfbc237-91c9-49d0-bee4-97a36bd82162" xlink:type="arc" order="26"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossBeforeAllowanceForCreditLoss_ec3678f0-98b8-4094-bd99-ebd281117dc3" xlink:href="slm-20241231.xsd#slm_LoansGrossBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossBeforeAllowanceForCreditLoss_ec3678f0-98b8-4094-bd99-ebd281117dc3" xlink:type="arc" order="27"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear_ac9761c1-6ee0-4395-95f0-ee0b76e749d5" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear_ac9761c1-6ee0-4395-95f0-ee0b76e749d5" xlink:type="arc" order="28"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear_3fdb714e-7b8b-405d-9781-f57b042d980b" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear_3fdb714e-7b8b-405d-9781-f57b042d980b" xlink:type="arc" order="29"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear_2bb2016b-119a-4934-9b71-530a97314612" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear_2bb2016b-119a-4934-9b71-530a97314612" xlink:type="arc" order="30"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear_d5675eef-4323-4441-9fef-b362913bb28b" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear_d5675eef-4323-4441-9fef-b362913bb28b" xlink:type="arc" order="31"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear_c924720d-cadc-4f38-b1fa-052367ec23a5" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear_c924720d-cadc-4f38-b1fa-052367ec23a5" xlink:type="arc" order="32"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_bd4c2297-df10-4502-a282-90d86fd208af" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_bd4c2297-df10-4502-a282-90d86fd208af" xlink:type="arc" order="33"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_a8ecbc65-c06a-45c0-a688-1a518b7dd5b3" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_a8ecbc65-c06a-45c0-a688-1a518b7dd5b3" xlink:type="arc" order="34"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedInCurrentFiscalYear_3dd2bdc7-2128-43ed-bb84-23187551c45b" xlink:href="slm-20241231.xsd#slm_LoansOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansOriginatedInCurrentFiscalYear_3dd2bdc7-2128-43ed-bb84-23187551c45b" xlink:type="arc" order="35"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear_4900ec3a-2b69-4cf5-a4fe-1c2169222027" xlink:href="slm-20241231.xsd#slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear_4900ec3a-2b69-4cf5-a4fe-1c2169222027" xlink:type="arc" order="36"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear_91d4966f-c90e-42c1-93b7-1b84709d4d48" xlink:href="slm-20241231.xsd#slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear_91d4966f-c90e-42c1-93b7-1b84709d4d48" xlink:type="arc" order="37"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear_380fa19e-7bbc-4cfd-a32e-b7e97d4c00cf" xlink:href="slm-20241231.xsd#slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear_380fa19e-7bbc-4cfd-a32e-b7e97d4c00cf" xlink:type="arc" order="38"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear_05a23f2b-d55e-4441-94a6-79c4d2d82b65" xlink:href="slm-20241231.xsd#slm_LoansOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear_05a23f2b-d55e-4441-94a6-79c4d2d82b65" xlink:type="arc" order="39"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_1f3e1ffd-0be2-4fba-9977-8a4926d58276" xlink:href="slm-20241231.xsd#slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_1f3e1ffd-0be2-4fba-9977-8a4926d58276" xlink:type="arc" order="40"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansBeforeAllowanceForCreditLoss_aefb2a2b-cc63-41e2-ac8b-ec670e9ecbe5" xlink:href="slm-20241231.xsd#slm_LoansBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansBeforeAllowanceForCreditLoss_aefb2a2b-cc63-41e2-ac8b-ec670e9ecbe5" xlink:type="arc" order="41"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear_5c111bfd-6be4-4ac5-b9c8-c6b0f29ee8bf" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear_5c111bfd-6be4-4ac5-b9c8-c6b0f29ee8bf" xlink:type="arc" order="42"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear_6a26610c-7b75-43a6-9dc1-13c0bae5411e" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear_6a26610c-7b75-43a6-9dc1-13c0bae5411e" xlink:type="arc" order="43"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_8a20b85d-debb-4a8a-8f7a-b15ef1472e43" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_8a20b85d-debb-4a8a-8f7a-b15ef1472e43" xlink:type="arc" order="44"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_ac3a6310-09b2-42de-ad98-2d03850d1bfe" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_ac3a6310-09b2-42de-ad98-2d03850d1bfe" xlink:type="arc" order="45"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_ae7ea137-4a59-40ca-8207-26e6bba1a0b1" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_ae7ea137-4a59-40ca-8207-26e6bba1a0b1" xlink:type="arc" order="46"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_04aa9ff9-3d36-4d90-a6cf-274e6713bd35" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_04aa9ff9-3d36-4d90-a6cf-274e6713bd35" xlink:type="arc" order="47"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_99484418-4837-49ac-aaef-601f97a79e01" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_99484418-4837-49ac-aaef-601f97a79e01" xlink:type="arc" order="48"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear_45ed5e4a-0ece-48ae-a7f6-2a4e7b811cb7" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear_45ed5e4a-0ece-48ae-a7f6-2a4e7b811cb7" xlink:type="arc" order="49"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear_0c57ffc8-5368-463d-864b-51669cef93ab" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear_0c57ffc8-5368-463d-864b-51669cef93ab" xlink:type="arc" order="50"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_fc9471b6-baf0-4b3b-9a54-7902f9318b53" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_fc9471b6-baf0-4b3b-9a54-7902f9318b53" xlink:type="arc" order="51"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_2d204e12-9210-404b-befa-69b67cd9ff4b" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_2d204e12-9210-404b-befa-69b67cd9ff4b" xlink:type="arc" order="52"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_055ef419-7c33-4164-9e95-9ad5cc0a02bd" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_055ef419-7c33-4164-9e95-9ad5cc0a02bd" xlink:type="arc" order="53"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_f94a9971-241d-4385-8db0-dfdc1282db05" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_f94a9971-241d-4385-8db0-dfdc1282db05" xlink:type="arc" order="54"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_78bd4416-972f-420f-a0a2-976e438c4086" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_78bd4416-972f-420f-a0a2-976e438c4086" xlink:type="arc" order="55"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_27e717c7-2ddd-4f78-84e2-26f943bca547" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_27e717c7-2ddd-4f78-84e2-26f943bca547" xlink:type="arc" order="56"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_3667958d-5446-432b-ba0c-40ce3e65533c" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_3667958d-5446-432b-ba0c-40ce3e65533c" xlink:type="arc" order="57"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear_dad3458c-8962-4feb-b14b-2105a6e016af" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear_dad3458c-8962-4feb-b14b-2105a6e016af" xlink:type="arc" order="58"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear_091ce399-961c-4979-868b-8f8360bba291" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear_091ce399-961c-4979-868b-8f8360bba291" xlink:type="arc" order="59"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear_f58aba34-9f5d-4aa2-8aba-6860b3e83b07" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear_f58aba34-9f5d-4aa2-8aba-6860b3e83b07" xlink:type="arc" order="60"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_c7679e9a-9825-4e4f-9269-808afd2c93d9" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_c7679e9a-9825-4e4f-9269-808afd2c93d9" xlink:type="arc" order="61"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss_36b21015-19d4-4d46-8bf2-5959dffe375a" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss_36b21015-19d4-4d46-8bf2-5959dffe375a" xlink:type="arc" order="62"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_31ad0a82-832d-4cf2-85b6-d9e4ebaffd58" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_31ad0a82-832d-4cf2-85b6-d9e4ebaffd58" xlink:type="arc" order="63"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_199c1f58-137d-49e7-a2e3-e2c897181eb6" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_199c1f58-137d-49e7-a2e3-e2c897181eb6" xlink:type="arc" order="64"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_ae653f8a-e3ce-4b2a-9b3c-e7ca5f104368" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_ae653f8a-e3ce-4b2a-9b3c-e7ca5f104368" xlink:type="arc" order="65"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_c2fa72a9-735d-430b-8f84-338da22869b5" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_c2fa72a9-735d-430b-8f84-338da22869b5" xlink:type="arc" order="66"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_7d82887c-8fea-406f-b163-b5acb62c0125" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_7d82887c-8fea-406f-b163-b5acb62c0125" xlink:type="arc" order="67"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear_64293ba8-efcd-4af8-b71f-5c87cae3af7f" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear_64293ba8-efcd-4af8-b71f-5c87cae3af7f" xlink:type="arc" order="68"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepayment_6c6e191d-a536-495e-82e1-b48512a6d31f" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepayment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepayment_6c6e191d-a536-495e-82e1-b48512a6d31f" xlink:type="arc" order="69"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance_a150a56c-7da2-41e0-8db8-0fa8f3ff066f" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance_a150a56c-7da2-41e0-8db8-0fa8f3ff066f" xlink:type="arc" order="70"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear_43c8515f-d8f4-4e1b-bed2-b00addd5ada5" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear_43c8515f-d8f4-4e1b-bed2-b00addd5ada5" xlink:type="arc" order="71"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear_721e231c-0592-4655-a9d8-89d82289391d" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear_721e231c-0592-4655-a9d8-89d82289391d" xlink:type="arc" order="72"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear_cfacd896-3a7c-4638-81c9-27fdddda1733" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear_cfacd896-3a7c-4638-81c9-27fdddda1733" xlink:type="arc" order="73"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear_9f7a25c1-84b6-4665-95a1-7b131d19c728" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear_9f7a25c1-84b6-4665-95a1-7b131d19c728" xlink:type="arc" order="74"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_18edeaef-6b16-4ae9-9463-25d66160e21f" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_18edeaef-6b16-4ae9-9463-25d66160e21f" xlink:type="arc" order="75"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance_d5545bc0-432c-48a2-bf99-84b5d85ccd3c" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance_d5545bc0-432c-48a2-bf99-84b5d85ccd3c" xlink:type="arc" order="76"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9e4c8d7a-36aa-4486-b0ae-36c75ceb537d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9e4c8d7a-36aa-4486-b0ae-36c75ceb537d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_9e4c8d7a-36aa-4486-b0ae-36c75ceb537d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9e4c8d7a-36aa-4486-b0ae-36c75ceb537d" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_9e4c8d7a-36aa-4486-b0ae-36c75ceb537d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_90914e8f-ec17-40d2-8559-d4524722ef43" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9e4c8d7a-36aa-4486-b0ae-36c75ceb537d" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_90914e8f-ec17-40d2-8559-d4524722ef43" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_46a9080d-b76a-43d0-a70a-3d552b15cd4a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_90914e8f-ec17-40d2-8559-d4524722ef43" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_46a9080d-b76a-43d0-a70a-3d552b15cd4a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f75af976-7e77-4f17-aa36-3e889637ebfd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f75af976-7e77-4f17-aa36-3e889637ebfd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f75af976-7e77-4f17-aa36-3e889637ebfd_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f75af976-7e77-4f17-aa36-3e889637ebfd" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f75af976-7e77-4f17-aa36-3e889637ebfd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9139b801-1d89-4ff7-9797-7b6966f24986" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f75af976-7e77-4f17-aa36-3e889637ebfd" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9139b801-1d89-4ff7-9797-7b6966f24986" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StudentLoanMember_eaacf197-1b27-4d19-8aa9-c8aad3a97085" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StudentLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9139b801-1d89-4ff7-9797-7b6966f24986" xlink:to="loc_us-gaap_StudentLoanMember_eaacf197-1b27-4d19-8aa9-c8aad3a97085" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsAxis_1f0d8c5b-bf95-42ca-8d1d-1c7beebed2bb" xlink:href="slm-20241231.xsd#slm_CreditQualityIndicatorsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_slm_CreditQualityIndicatorsAxis_1f0d8c5b-bf95-42ca-8d1d-1c7beebed2bb" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsDomain_1f0d8c5b-bf95-42ca-8d1d-1c7beebed2bb_default" xlink:href="slm-20241231.xsd#slm_CreditQualityIndicatorsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_slm_CreditQualityIndicatorsAxis_1f0d8c5b-bf95-42ca-8d1d-1c7beebed2bb" xlink:to="loc_slm_CreditQualityIndicatorsDomain_1f0d8c5b-bf95-42ca-8d1d-1c7beebed2bb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsDomain_be9df428-3177-4ed4-b6b4-5ed35900777d" xlink:href="slm-20241231.xsd#slm_CreditQualityIndicatorsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_slm_CreditQualityIndicatorsAxis_1f0d8c5b-bf95-42ca-8d1d-1c7beebed2bb" xlink:to="loc_slm_CreditQualityIndicatorsDomain_be9df428-3177-4ed4-b6b4-5ed35900777d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CosignerMember_b7284c02-2931-4fa0-a479-a7dfae7ffc33" xlink:href="slm-20241231.xsd#slm_CosignerMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_CreditQualityIndicatorsDomain_be9df428-3177-4ed4-b6b4-5ed35900777d" xlink:to="loc_slm_CosignerMember_b7284c02-2931-4fa0-a479-a7dfae7ffc33" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_WithCosignerMember_efc31f70-4f85-48b1-9119-c05dff746694" xlink:href="slm-20241231.xsd#slm_WithCosignerMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_CosignerMember_b7284c02-2931-4fa0-a479-a7dfae7ffc33" xlink:to="loc_slm_WithCosignerMember_efc31f70-4f85-48b1-9119-c05dff746694" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_WithoutCosignerMember_37f30585-bc81-426c-86ee-cc18a3e374c9" xlink:href="slm-20241231.xsd#slm_WithoutCosignerMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_CosignerMember_b7284c02-2931-4fa0-a479-a7dfae7ffc33" xlink:to="loc_slm_WithoutCosignerMember_37f30585-bc81-426c-86ee-cc18a3e374c9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchoolFicoMember_fef19588-b111-4804-b9fe-fb6f4e2b2735" xlink:href="slm-20241231.xsd#slm_SchoolFicoMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_CreditQualityIndicatorsDomain_be9df428-3177-4ed4-b6b4-5ed35900777d" xlink:to="loc_slm_SchoolFicoMember_fef19588-b111-4804-b9fe-fb6f4e2b2735" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchoolFICORefreshedAmountsMember_36c7e094-b0ca-4b4a-8608-32ab5fa3ed54" xlink:href="slm-20241231.xsd#slm_SchoolFICORefreshedAmountsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_CreditQualityIndicatorsDomain_be9df428-3177-4ed4-b6b4-5ed35900777d" xlink:to="loc_slm_SchoolFICORefreshedAmountsMember_36c7e094-b0ca-4b4a-8608-32ab5fa3ed54" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_RepaymentsMember_d42bfbc9-b1f9-4861-b2a5-7b0458cab76b" xlink:href="slm-20241231.xsd#slm_RepaymentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_CreditQualityIndicatorsDomain_be9df428-3177-4ed4-b6b4-5ed35900777d" xlink:to="loc_slm_RepaymentsMember_d42bfbc9-b1f9-4861-b2a5-7b0458cab76b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoAxis_10a9aaaa-c3ae-4f00-9e93-76bdb7ada1bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditScoreFicoAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_us-gaap_CreditScoreFicoAxis_10a9aaaa-c3ae-4f00-9e93-76bdb7ada1bb" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoDomain_10a9aaaa-c3ae-4f00-9e93-76bdb7ada1bb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditScoreFicoDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CreditScoreFicoAxis_10a9aaaa-c3ae-4f00-9e93-76bdb7ada1bb" xlink:to="loc_us-gaap_CreditScoreFicoDomain_10a9aaaa-c3ae-4f00-9e93-76bdb7ada1bb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoDomain_b538c6d3-e10d-4262-a98d-ef4af7703aed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditScoreFicoDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CreditScoreFicoAxis_10a9aaaa-c3ae-4f00-9e93-76bdb7ada1bb" xlink:to="loc_us-gaap_CreditScoreFicoDomain_b538c6d3-e10d-4262-a98d-ef4af7703aed" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscorelessthan670Member_4a58f889-2b1d-4286-a996-88e08973d2cc" xlink:href="slm-20241231.xsd#slm_FICOscorelessthan670Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_b538c6d3-e10d-4262-a98d-ef4af7703aed" xlink:to="loc_slm_FICOscorelessthan670Member_4a58f889-2b1d-4286-a996-88e08973d2cc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscore670699Member_219daaea-b498-47fa-a88a-ac1fe9099fca" xlink:href="slm-20241231.xsd#slm_FICOscore670699Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_b538c6d3-e10d-4262-a98d-ef4af7703aed" xlink:to="loc_slm_FICOscore670699Member_219daaea-b498-47fa-a88a-ac1fe9099fca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscore700749Member_bff3f91e-38de-4060-9e4f-5898c5f31e63" xlink:href="slm-20241231.xsd#slm_FICOscore700749Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_b538c6d3-e10d-4262-a98d-ef4af7703aed" xlink:to="loc_slm_FICOscore700749Member_bff3f91e-38de-4060-9e4f-5898c5f31e63" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscoregreaterthan750Member_7bd07ec7-d672-4ddb-9cf6-f16c2064579d" xlink:href="slm-20241231.xsd#slm_FICOscoregreaterthan750Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_b538c6d3-e10d-4262-a98d-ef4af7703aed" xlink:to="loc_slm_FICOscoregreaterthan750Member_7bd07ec7-d672-4ddb-9cf6-f16c2064579d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis_a38d789d-8d1f-410a-a6ce-5bae10cd21c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CollateralAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_us-gaap_CollateralAxis_a38d789d-8d1f-410a-a6ce-5bae10cd21c3" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_a38d789d-8d1f-410a-a6ce-5bae10cd21c3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CollateralDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CollateralAxis_a38d789d-8d1f-410a-a6ce-5bae10cd21c3" xlink:to="loc_us-gaap_CollateralDomain_a38d789d-8d1f-410a-a6ce-5bae10cd21c3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CollateralDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CollateralAxis_a38d789d-8d1f-410a-a6ce-5bae10cd21c3" xlink:to="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember_78f05a37-bb3e-4ba2-8a73-8e8274a4d6e4" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember_78f05a37-bb3e-4ba2-8a73-8e8274a4d6e4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember_9f5d732e-72ba-4359-89a6-62c7df72e253" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember_9f5d732e-72ba-4359-89a6-62c7df72e253" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember_c0cfcfac-b545-4202-b55d-3661b9207cc5" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember_c0cfcfac-b545-4202-b55d-3661b9207cc5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember_b902876d-6522-491d-bb37-ec0ef4a9415b" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember_b902876d-6522-491d-bb37-ec0ef4a9415b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember_a19482e7-c9d5-4d7b-a45e-6f733dbe52d0" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember_a19482e7-c9d5-4d7b-a45e-6f733dbe52d0" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember_0e39a236-0b3b-4a85-9b9f-1c63f7783e33" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember_0e39a236-0b3b-4a85-9b9f-1c63f7783e33" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_92e88b71-fc6e-46d4-bd6d-48375a3a5950" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_92e88b71-fc6e-46d4-bd6d-48375a3a5950" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_92e88b71-fc6e-46d4-bd6d-48375a3a5950_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_92e88b71-fc6e-46d4-bd6d-48375a3a5950" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_92e88b71-fc6e-46d4-bd6d-48375a3a5950_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_37c99fec-94e3-41d6-bde6-f77a7361f21a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_92e88b71-fc6e-46d4-bd6d-48375a3a5950" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_37c99fec-94e3-41d6-bde6-f77a7361f21a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_c2be8e08-c938-4d36-8301-21f54cfc6745" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_37c99fec-94e3-41d6-bde6-f77a7361f21a" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_c2be8e08-c938-4d36-8301-21f54cfc6745" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_e9e5a915-2713-4f59-99c0-4d4294daf04c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_37c99fec-94e3-41d6-bde6-f77a7361f21a" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_e9e5a915-2713-4f59-99c0-4d4294daf04c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_420f6bf0-479c-464b-b0da-38d540a55480" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_37c99fec-94e3-41d6-bde6-f77a7361f21a" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_420f6bf0-479c-464b-b0da-38d540a55480" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_70c79f0b-854b-48b1-a0b3-75d7b8d5e649" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_37c99fec-94e3-41d6-bde6-f77a7361f21a" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_70c79f0b-854b-48b1-a0b3-75d7b8d5e649" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_9331c855-3179-4fd1-b4f6-cd7dc720f86e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_9331c855-3179-4fd1-b4f6-cd7dc720f86e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_5986457c-baa7-446e-adc8-424b45425ed1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_5986457c-baa7-446e-adc8-424b45425ed1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_14f0fceb-42d1-4844-af11-a51c762dc6c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_14f0fceb-42d1-4844-af11-a51c762dc6c3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_dda032e9-a120-491c-97cc-01bfac69f876" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_dda032e9-a120-491c-97cc-01bfac69f876" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_ab9cad25-d931-4f59-9ce6-f23486db8405" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_ab9cad25-d931-4f59-9ce6-f23486db8405" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_549c4c9f-1ce6-4034-947c-8c16a980503a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_549c4c9f-1ce6-4034-947c-8c16a980503a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_a668b795-aa24-4e80-9c90-3f6f61b02eec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_a668b795-aa24-4e80-9c90-3f6f61b02eec" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:href="slm-20241231.xsd#slm_PercentOfBalanceAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentOfPrivateLoans_92b0335d-c209-4e0b-94d6-028261fc6757" xlink:href="slm-20241231.xsd#slm_PercentOfPrivateLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_PercentOfPrivateLoans_92b0335d-c209-4e0b-94d6-028261fc6757" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansAtOrigination_2862fa56-3c21-4547-94ec-cfab206ddc9d" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansAtOrigination"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_PrivateEducationLoansAtOrigination_2862fa56-3c21-4547-94ec-cfab206ddc9d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent_ba2205ce-385c-4309-89f2-e933719c3f76" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent_ba2205ce-385c-4309-89f2-e933719c3f76" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent_337bba0d-9d00-4728-8b0a-e9708be09195" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent_337bba0d-9d00-4728-8b0a-e9708be09195" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent_884a120b-f4ad-4fe4-8cee-0744889c800c" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent_884a120b-f4ad-4fe4-8cee-0744889c800c" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent_7a928318-b74f-493d-b1ee-b19c19fe5358" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent_7a928318-b74f-493d-b1ee-b19c19fe5358" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent_c0da36e7-0b2b-4e9e-92a7-f9d6bd771191" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent_c0da36e7-0b2b-4e9e-92a7-f9d6bd771191" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent_f34c9fad-be00-4a1b-9f53-4a1ec598caaa" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent_f34c9fad-be00-4a1b-9f53-4a1ec598caaa" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansGrossPercentage_33f1a51e-9e08-4659-8b7e-26a1aafb6834" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansGrossPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_PrivateEducationLoansGrossPercentage_33f1a51e-9e08-4659-8b7e-26a1aafb6834" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear_cbee0fd4-60bd-4f55-8209-dbc20050bb6d" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear_cbee0fd4-60bd-4f55-8209-dbc20050bb6d" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear_d4432040-ff49-4111-adcf-cabf43827fe7" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear_d4432040-ff49-4111-adcf-cabf43827fe7" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear_da4c4c5a-7466-4aea-a435-5a0512c84a18" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear_da4c4c5a-7466-4aea-a435-5a0512c84a18" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear_2bca5e6d-3ca8-4ae2-8408-0536dbe383fa" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear_2bca5e6d-3ca8-4ae2-8408-0536dbe383fa" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear_fd7d45c9-d365-4dbc-844f-cbe3dee90b11" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear_fd7d45c9-d365-4dbc-844f-cbe3dee90b11" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_d7d9aa91-de64-4203-ac9d-eee6be027967" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_d7d9aa91-de64-4203-ac9d-eee6be027967" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_4fefb200-91f8-4dda-8e3e-36f14a868b35" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_4fefb200-91f8-4dda-8e3e-36f14a868b35" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear_95599981-4f73-436a-8f04-c4686c2f69cd" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear_95599981-4f73-436a-8f04-c4686c2f69cd" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_1d18d85d-3cbc-4fd7-bc9c-d27dac73c4fd" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_1d18d85d-3cbc-4fd7-bc9c-d27dac73c4fd" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_4ca593fc-f3b8-4e04-a04c-746b72f54108" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_4ca593fc-f3b8-4e04-a04c-746b72f54108" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_10c00ed3-68f2-48e3-b108-dd26a999163f" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_10c00ed3-68f2-48e3-b108-dd26a999163f" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_0da4b1e8-b575-469b-b05a-d9bfbf4a69c6" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_0da4b1e8-b575-469b-b05a-d9bfbf4a69c6" xlink:type="arc" order="19"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_421c3fa5-15a7-4ead-9b4c-3a6499872927" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_421c3fa5-15a7-4ead-9b4c-3a6499872927" xlink:type="arc" order="20"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_e3488881-508e-48c9-969c-51c5e84ca617" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_e3488881-508e-48c9-969c-51c5e84ca617" xlink:type="arc" order="21"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear_cc68b7c3-3e02-419a-a5f0-b7b6dee28d8e" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear_cc68b7c3-3e02-419a-a5f0-b7b6dee28d8e" xlink:type="arc" order="22"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_9e173420-b90e-4fc0-9dda-5eb29180b457" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_9e173420-b90e-4fc0-9dda-5eb29180b457" xlink:type="arc" order="23"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_22a860ad-caef-4a3e-9816-6a4f144940aa" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_22a860ad-caef-4a3e-9816-6a4f144940aa" xlink:type="arc" order="24"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_658d51ce-cf5e-4c25-847c-0116fc080633" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_658d51ce-cf5e-4c25-847c-0116fc080633" xlink:type="arc" order="25"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_5dd0f4d8-becd-423c-bb0b-94a7b3855053" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_5dd0f4d8-becd-423c-bb0b-94a7b3855053" xlink:type="arc" order="26"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_e2ea3eb6-0268-4993-8d5b-9de83ebf490d" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_e2ea3eb6-0268-4993-8d5b-9de83ebf490d" xlink:type="arc" order="27"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_c3d5cb21-9a27-4334-acf5-5762786bfe65" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_c3d5cb21-9a27-4334-acf5-5762786bfe65" xlink:type="arc" order="28"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear_9e6b4816-1bc3-423a-9558-272af7775037" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear_9e6b4816-1bc3-423a-9558-272af7775037" xlink:type="arc" order="29"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear_0ec2acec-2f74-4b3c-a028-e94ac23c5e45" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear_0ec2acec-2f74-4b3c-a028-e94ac23c5e45" xlink:type="arc" order="30"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear_2f169aa3-80b9-4be0-99ff-83b8a4b21231" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear_2f169aa3-80b9-4be0-99ff-83b8a4b21231" xlink:type="arc" order="31"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear_8e8ac258-18b5-467f-934e-d48c32b5ab59" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear_8e8ac258-18b5-467f-934e-d48c32b5ab59" xlink:type="arc" order="32"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear_0312781b-4930-4f75-83be-c6c39d652748" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear_0312781b-4930-4f75-83be-c6c39d652748" xlink:type="arc" order="33"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_4effba45-ed4d-4574-9913-d19d638566d0" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_4effba45-ed4d-4574-9913-d19d638566d0" xlink:type="arc" order="34"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_bc555ebc-99eb-441c-8aaf-d3f1bc963fe4" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_bc555ebc-99eb-441c-8aaf-d3f1bc963fe4" xlink:type="arc" order="35"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems_29426086-ca7d-40b8-ae4c-c9e0097d3840" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_9cee56e1-671c-48aa-b609-151713644e56" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_29426086-ca7d-40b8-ae4c-c9e0097d3840" xlink:to="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_9cee56e1-671c-48aa-b609-151713644e56" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_1828b8f2-cd13-4f77-af20-5af976696583" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_9cee56e1-671c-48aa-b609-151713644e56" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_1828b8f2-cd13-4f77-af20-5af976696583" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1828b8f2-cd13-4f77-af20-5af976696583_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_1828b8f2-cd13-4f77-af20-5af976696583" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1828b8f2-cd13-4f77-af20-5af976696583_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_839bb0a1-096e-4eca-909b-ee1bf58dd4f2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_1828b8f2-cd13-4f77-af20-5af976696583" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_839bb0a1-096e-4eca-909b-ee1bf58dd4f2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LandAndLandImprovementsMember_cb8e0479-4e38-431a-ac24-bad2bf013b3b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LandAndLandImprovementsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_839bb0a1-096e-4eca-909b-ee1bf58dd4f2" xlink:to="loc_us-gaap_LandAndLandImprovementsMember_cb8e0479-4e38-431a-ac24-bad2bf013b3b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BuildingAndBuildingImprovementsMember_943f6ce1-dc70-4fac-997b-0fcc75355257" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BuildingAndBuildingImprovementsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_839bb0a1-096e-4eca-909b-ee1bf58dd4f2" xlink:to="loc_us-gaap_BuildingAndBuildingImprovementsMember_943f6ce1-dc70-4fac-997b-0fcc75355257" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FurnitureAndFixturesMember_21495a49-90dc-46b1-b861-2a1d40c04f61" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FurnitureAndFixturesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_839bb0a1-096e-4eca-909b-ee1bf58dd4f2" xlink:to="loc_us-gaap_FurnitureAndFixturesMember_21495a49-90dc-46b1-b861-2a1d40c04f61" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_10c3851b-7960-4147-ab3a-b4e722dafd34" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SoftwareAndSoftwareDevelopmentCostsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_839bb0a1-096e-4eca-909b-ee1bf58dd4f2" xlink:to="loc_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_10c3851b-7960-4147-ab3a-b4e722dafd34" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross_db10453c-7e59-4d92-8e0e-99e349b02bf2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_29426086-ca7d-40b8-ae4c-c9e0097d3840" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentGross_db10453c-7e59-4d92-8e0e-99e349b02bf2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_cc937b00-a155-491d-9965-78c7e81ca7f4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_29426086-ca7d-40b8-ae4c-c9e0097d3840" xlink:to="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_cc937b00-a155-491d-9965-78c7e81ca7f4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_59777f73-0ba9-439e-822b-cfb7114352d4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_29426086-ca7d-40b8-ae4c-c9e0097d3840" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_59777f73-0ba9-439e-822b-cfb7114352d4" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#GoodwillandAcquiredIntangibleAssetsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ef717375-670f-4879-b5fb-d755f3ba06ab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ef717375-670f-4879-b5fb-d755f3ba06ab" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_25c78393-42e2-4a93-a850-b29be97a1a34" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ef717375-670f-4879-b5fb-d755f3ba06ab" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_25c78393-42e2-4a93-a850-b29be97a1a34" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_25c78393-42e2-4a93-a850-b29be97a1a34_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_25c78393-42e2-4a93-a850-b29be97a1a34" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_25c78393-42e2-4a93-a850-b29be97a1a34_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_b54732de-a5f7-469e-932a-79d1eca095ce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_25c78393-42e2-4a93-a850-b29be97a1a34" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_b54732de-a5f7-469e-932a-79d1eca095ce" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NitroCollegeMember_abf50894-dbb7-467a-90e9-8f2ae0f17dab" xlink:href="slm-20241231.xsd#slm_NitroCollegeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_b54732de-a5f7-469e-932a-79d1eca095ce" xlink:to="loc_slm_NitroCollegeMember_abf50894-dbb7-467a-90e9-8f2ae0f17dab" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchollyIncMember_4906edfd-3a63-452f-a44b-712dbb1364f9" xlink:href="slm-20241231.xsd#slm_SchollyIncMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_b54732de-a5f7-469e-932a-79d1eca095ce" xlink:to="loc_slm_SchollyIncMember_4906edfd-3a63-452f-a44b-712dbb1364f9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_53900654-aa05-44de-bde0-6c24a33fedd4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ef717375-670f-4879-b5fb-d755f3ba06ab" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_53900654-aa05-44de-bde0-6c24a33fedd4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_53900654-aa05-44de-bde0-6c24a33fedd4_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_53900654-aa05-44de-bde0-6c24a33fedd4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_53900654-aa05-44de-bde0-6c24a33fedd4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_0b96a994-17ba-49cc-b14c-157c190237fe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_53900654-aa05-44de-bde0-6c24a33fedd4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_0b96a994-17ba-49cc-b14c-157c190237fe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrademarksAndTradeNamesMember_76388035-930c-4938-b3a1-b200952cf556" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TrademarksAndTradeNamesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_0b96a994-17ba-49cc-b14c-157c190237fe" xlink:to="loc_us-gaap_TrademarksAndTradeNamesMember_76388035-930c-4938-b3a1-b200952cf556" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PartnerRelationshipsMember_518c86a8-6a47-42bb-9e28-77a4ba7f079c" xlink:href="slm-20241231.xsd#slm_PartnerRelationshipsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_0b96a994-17ba-49cc-b14c-157c190237fe" xlink:to="loc_slm_PartnerRelationshipsMember_518c86a8-6a47-42bb-9e28-77a4ba7f079c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_a6015988-0845-434e-b8c0-d9a40d43f0e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Goodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_Goodwill_a6015988-0845-434e-b8c0-d9a40d43f0e2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfIntangibleAssetsFinitelived_40acb21e-294a-448f-a9bd-4a00cc082af5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ImpairmentOfIntangibleAssetsFinitelived"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_ImpairmentOfIntangibleAssetsFinitelived_40acb21e-294a-448f-a9bd-4a00cc082af5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_f3136b3e-d894-457a-9209-292000bc6daf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_f3136b3e-d894-457a-9209-292000bc6daf" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_95aa88a6-d2c7-4005-9cb6-05c7497325e5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_95aa88a6-d2c7-4005-9cb6-05c7497325e5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_dfbf1975-821e-4a8d-bb9f-55a531b7648a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_dfbf1975-821e-4a8d-bb9f-55a531b7648a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_93d58483-48e5-431e-b59b-20d521554ff8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_93d58483-48e5-431e-b59b-20d521554ff8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_1320601c-84ae-4bb4-a9e4-409d70ba5f71" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_1320601c-84ae-4bb4-a9e4-409d70ba5f71" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ce82a168-e5c9-4b54-bddb-5d21962bec1d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ce82a168-e5c9-4b54-bddb-5d21962bec1d" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_f2e8819f-ad0b-42fe-ac21-95e7aeb3bd8f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ce82a168-e5c9-4b54-bddb-5d21962bec1d" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_f2e8819f-ad0b-42fe-ac21-95e7aeb3bd8f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_f2e8819f-ad0b-42fe-ac21-95e7aeb3bd8f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_f2e8819f-ad0b-42fe-ac21-95e7aeb3bd8f" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_f2e8819f-ad0b-42fe-ac21-95e7aeb3bd8f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_f2e8819f-ad0b-42fe-ac21-95e7aeb3bd8f" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrademarksAndTradeNamesMember_2c5ee46c-804e-4d38-a689-0882529fa841" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TrademarksAndTradeNamesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:to="loc_us-gaap_TrademarksAndTradeNamesMember_2c5ee46c-804e-4d38-a689-0882529fa841" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerRelationshipsMember_6a517d20-5c07-4ff0-b46e-1b756fded86b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CustomerRelationshipsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:to="loc_us-gaap_CustomerRelationshipsMember_6a517d20-5c07-4ff0-b46e-1b756fded86b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DevelopedTechnologyRightsMember_8321d03e-e24f-4242-8426-e68d2c068f02" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DevelopedTechnologyRightsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:to="loc_us-gaap_DevelopedTechnologyRightsMember_8321d03e-e24f-4242-8426-e68d2c068f02" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PartnerRelationshipsMember_53faa1b5-7cc6-46c2-9a69-50fde21dd898" xlink:href="slm-20241231.xsd#slm_PartnerRelationshipsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:to="loc_slm_PartnerRelationshipsMember_53faa1b5-7cc6-46c2-9a69-50fde21dd898" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Sallie.comDomainMember_b6196915-cc4c-49ff-9ac5-b98df2e1a164" xlink:href="slm-20241231.xsd#slm_Sallie.comDomainMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:to="loc_slm_Sallie.comDomainMember_b6196915-cc4c-49ff-9ac5-b98df2e1a164" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_3030ba88-f3b4-4601-841a-c3f9230ef119" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ce82a168-e5c9-4b54-bddb-5d21962bec1d" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_3030ba88-f3b4-4601-841a-c3f9230ef119" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_3030ba88-f3b4-4601-841a-c3f9230ef119_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_3030ba88-f3b4-4601-841a-c3f9230ef119" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_3030ba88-f3b4-4601-841a-c3f9230ef119_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_ecf443cd-4e87-4ddf-8153-f3a8b8e90149" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_3030ba88-f3b4-4601-841a-c3f9230ef119" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_ecf443cd-4e87-4ddf-8153-f3a8b8e90149" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NitroCollegeMember_7ea552b7-9569-432e-9d42-8714cd796e44" xlink:href="slm-20241231.xsd#slm_NitroCollegeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_ecf443cd-4e87-4ddf-8153-f3a8b8e90149" xlink:to="loc_slm_NitroCollegeMember_7ea552b7-9569-432e-9d42-8714cd796e44" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchollyIncMember_baccde6c-38e8-4666-a1ef-1a8481754337" xlink:href="slm-20241231.xsd#slm_SchollyIncMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_ecf443cd-4e87-4ddf-8153-f3a8b8e90149" xlink:to="loc_slm_SchollyIncMember_baccde6c-38e8-4666-a1ef-1a8481754337" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetUsefulLife_779d02dc-6b0c-49d4-9298-7696d2e44942" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetUsefulLife"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetUsefulLife_779d02dc-6b0c-49d4-9298-7696d2e44942" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_71dd5c3c-c568-4ffd-a466-070fe8bac88a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_71dd5c3c-c568-4ffd-a466-070fe8bac88a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_f2b76a37-5d64-44fd-a58c-042aa9b76d51" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_f2b76a37-5d64-44fd-a58c-042aa9b76d51" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_438eec2c-1b20-4be1-b2f3-32d8b1cb676f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_438eec2c-1b20-4be1-b2f3-32d8b1cb676f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_175baca0-9c09-4cff-9ad5-f0a7c080f0ef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_175baca0-9c09-4cff-9ad5-f0a7c080f0ef" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfIntangibleAssetsFinitelived_c7c0347b-b21e-46f3-a6f8-951a255e0fd9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ImpairmentOfIntangibleAssetsFinitelived"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_ImpairmentOfIntangibleAssetsFinitelived_c7c0347b-b21e-46f3-a6f8-951a255e0fd9" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsCompanyBorrowingsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityLineItems_9a5b016f-69cb-462d-b400-be52a5e2c288" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityTable_3758d026-9317-4c4a-8d35-1dff8cae6101" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_9a5b016f-69cb-462d-b400-be52a5e2c288" xlink:to="loc_us-gaap_LineOfCreditFacilityTable_3758d026-9317-4c4a-8d35-1dff8cae6101" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_cb50e848-89f9-4c9f-b85c-77a915160db8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_3758d026-9317-4c4a-8d35-1dff8cae6101" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_cb50e848-89f9-4c9f-b85c-77a915160db8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_cb50e848-89f9-4c9f-b85c-77a915160db8_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_cb50e848-89f9-4c9f-b85c-77a915160db8" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_cb50e848-89f9-4c9f-b85c-77a915160db8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_efb11866-8106-46b9-9fdb-27b57b80a864" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_cb50e848-89f9-4c9f-b85c-77a915160db8" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_efb11866-8106-46b9-9fdb-27b57b80a864" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_7e3c7e34-6e9c-42ab-9309-01e2152e880c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_efb11866-8106-46b9-9fdb-27b57b80a864" xlink:to="loc_us-gaap_UnsecuredDebtMember_7e3c7e34-6e9c-42ab-9309-01e2152e880c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebtMember_9869a7d0-6259-49cf-964d-1daddf06ebee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SecuredDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_efb11866-8106-46b9-9fdb-27b57b80a864" xlink:to="loc_us-gaap_SecuredDebtMember_9869a7d0-6259-49cf-964d-1daddf06ebee" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeAxis_d306c579-db4b-4ea0-b018-4cf3d87ad810" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingActivityByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_3758d026-9317-4c4a-8d35-1dff8cae6101" xlink:to="loc_us-gaap_TradingActivityByTypeAxis_d306c579-db4b-4ea0-b018-4cf3d87ad810" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_d306c579-db4b-4ea0-b018-4cf3d87ad810_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_d306c579-db4b-4ea0-b018-4cf3d87ad810" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_d306c579-db4b-4ea0-b018-4cf3d87ad810_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_3f2d2189-ce70-4346-810e-54975d087b70" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_d306c579-db4b-4ea0-b018-4cf3d87ad810" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_3f2d2189-ce70-4346-810e-54975d087b70" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInterestRateMember_3f9455d6-7ba3-4958-a7cf-6888ac0b0dba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FixedIncomeInterestRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_3f2d2189-ce70-4346-810e-54975d087b70" xlink:to="loc_us-gaap_FixedIncomeInterestRateMember_3f9455d6-7ba3-4958-a7cf-6888ac0b0dba" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableIncomeInterestRateMember_d2e4a590-bc01-4993-98fc-6be2ef58ea6e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableIncomeInterestRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_3f2d2189-ce70-4346-810e-54975d087b70" xlink:to="loc_us-gaap_VariableIncomeInterestRateMember_d2e4a590-bc01-4993-98fc-6be2ef58ea6e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_de07fced-c05c-40de-8d59-2c5a939e0cc3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_3758d026-9317-4c4a-8d35-1dff8cae6101" xlink:to="loc_us-gaap_DebtInstrumentAxis_de07fced-c05c-40de-8d59-2c5a939e0cc3" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_de07fced-c05c-40de-8d59-2c5a939e0cc3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_de07fced-c05c-40de-8d59-2c5a939e0cc3" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_de07fced-c05c-40de-8d59-2c5a939e0cc3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_15743bea-8a08-41ef-bcad-e3ab2b435b76" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_de07fced-c05c-40de-8d59-2c5a939e0cc3" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_15743bea-8a08-41ef-bcad-e3ab2b435b76" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoanSecuritizationMember_571d5eb8-ae7f-4f9f-966e-538b8b004583" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoanSecuritizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_15743bea-8a08-41ef-bcad-e3ab2b435b76" xlink:to="loc_slm_PrivateEducationLoanSecuritizationMember_571d5eb8-ae7f-4f9f-966e-538b8b004583" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ABCPBorrowingsMember_2f309ad3-8c10-47f8-8a6c-a6ae71ce063e" xlink:href="slm-20241231.xsd#slm_ABCPBorrowingsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_15743bea-8a08-41ef-bcad-e3ab2b435b76" xlink:to="loc_slm_ABCPBorrowingsMember_2f309ad3-8c10-47f8-8a6c-a6ae71ce063e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityAbstract_3aafe0da-8d90-4611-b506-69c350b1dcd8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_9a5b016f-69cb-462d-b400-be52a5e2c288" xlink:to="loc_us-gaap_LineOfCreditFacilityAbstract_3aafe0da-8d90-4611-b506-69c350b1dcd8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_5159a210-21be-4156-b44a-b036ba4960fe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityAbstract_3aafe0da-8d90-4611-b506-69c350b1dcd8" xlink:to="loc_us-gaap_ShortTermBorrowings_5159a210-21be-4156-b44a-b036ba4960fe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_010f93d8-88d8-42a9-a930-f42d81a71605" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityAbstract_3aafe0da-8d90-4611-b506-69c350b1dcd8" xlink:to="loc_us-gaap_LongTermDebt_010f93d8-88d8-42a9-a930-f42d81a71605" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_7751b8d1-7764-48fa-9d22-7f5d172ae1dc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityAbstract_3aafe0da-8d90-4611-b506-69c350b1dcd8" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_7751b8d1-7764-48fa-9d22-7f5d172ae1dc" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsShorttermBorrowingsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermDebtLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShortTermDebtTable_377bf078-9d8f-4ecb-8fdc-b61c64ea83c4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShortTermDebtTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:to="loc_us-gaap_ScheduleOfShortTermDebtTable_377bf078-9d8f-4ecb-8fdc-b61c64ea83c4" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_9bbe4a92-ed03-4a33-916d-77f22ebcdc35" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable_377bf078-9d8f-4ecb-8fdc-b61c64ea83c4" xlink:to="loc_us-gaap_DebtInstrumentAxis_9bbe4a92-ed03-4a33-916d-77f22ebcdc35" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_9bbe4a92-ed03-4a33-916d-77f22ebcdc35_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_9bbe4a92-ed03-4a33-916d-77f22ebcdc35" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_9bbe4a92-ed03-4a33-916d-77f22ebcdc35_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_85e3ed7e-8822-430e-9034-db511d0169d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_9bbe4a92-ed03-4a33-916d-77f22ebcdc35" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_85e3ed7e-8822-430e-9034-db511d0169d6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ABCPBorrowingsMember_a479ea0c-405f-474c-a742-c48d57210e56" xlink:href="slm-20241231.xsd#slm_ABCPBorrowingsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_85e3ed7e-8822-430e-9034-db511d0169d6" xlink:to="loc_slm_ABCPBorrowingsMember_a479ea0c-405f-474c-a742-c48d57210e56" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FloatingRateBorrowingsMember_8281e559-534b-451f-8a46-c2b95481acae" xlink:href="slm-20241231.xsd#slm_FloatingRateBorrowingsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_85e3ed7e-8822-430e-9034-db511d0169d6" xlink:to="loc_slm_FloatingRateBorrowingsMember_8281e559-534b-451f-8a46-c2b95481acae" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeAxis_103ba981-13c5-4305-953d-d14a9f780e41" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable_377bf078-9d8f-4ecb-8fdc-b61c64ea83c4" xlink:to="loc_us-gaap_ShortTermDebtTypeAxis_103ba981-13c5-4305-953d-d14a9f780e41" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_103ba981-13c5-4305-953d-d14a9f780e41_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_103ba981-13c5-4305-953d-d14a9f780e41" xlink:to="loc_us-gaap_ShortTermDebtTypeDomain_103ba981-13c5-4305-953d-d14a9f780e41_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_39f16d4b-ac43-4eb4-a1c0-bca2c3a18dec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_103ba981-13c5-4305-953d-d14a9f780e41" xlink:to="loc_us-gaap_ShortTermDebtTypeDomain_39f16d4b-ac43-4eb4-a1c0-bca2c3a18dec" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebtMember_449d592d-da51-4ebb-ba9e-6b50aa360dcb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SecuredDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain_39f16d4b-ac43-4eb4-a1c0-bca2c3a18dec" xlink:to="loc_us-gaap_SecuredDebtMember_449d592d-da51-4ebb-ba9e-6b50aa360dcb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_009dc7dc-8f45-4cfa-8345-4c6b935c4d7b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_009dc7dc-8f45-4cfa-8345-4c6b935c4d7b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ResidualInterestPercentageOfFacilityTrust_e578e1b6-812a-47a6-b49e-a6dd59c6ea0f" xlink:href="slm-20241231.xsd#slm_ResidualInterestPercentageOfFacilityTrust"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:to="loc_slm_ResidualInterestPercentageOfFacilityTrust_e578e1b6-812a-47a6-b49e-a6dd59c6ea0f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityExpirationPeriod_6fba733d-73fe-4f73-b4ab-569c0395bb31" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityExpirationPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:to="loc_us-gaap_LineOfCreditFacilityExpirationPeriod_6fba733d-73fe-4f73-b4ab-569c0395bb31" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LinesOfCreditCurrent_c9d91f6e-494f-4115-819f-ee9e9c50acd3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LinesOfCreditCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:to="loc_us-gaap_LinesOfCreditCurrent_c9d91f6e-494f-4115-819f-ee9e9c50acd3" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_f9feeb95-8e42-4e47-889c-8e786f44f7df" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:to="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_f9feeb95-8e42-4e47-889c-8e786f44f7df" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsLongTermBorrowingsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_6900b83c-5e0a-469e-a37c-593db8ce0024" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_us-gaap_DebtInstrumentTable_6900b83c-5e0a-469e-a37c-593db8ce0024" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_823b2aec-98c4-4436-89d9-91141f8abc7b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_6900b83c-5e0a-469e-a37c-593db8ce0024" xlink:to="loc_us-gaap_DebtInstrumentAxis_823b2aec-98c4-4436-89d9-91141f8abc7b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_823b2aec-98c4-4436-89d9-91141f8abc7b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_823b2aec-98c4-4436-89d9-91141f8abc7b" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_823b2aec-98c4-4436-89d9-91141f8abc7b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_823b2aec-98c4-4436-89d9-91141f8abc7b" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueOctober292025Member_0fccd703-8ce4-4065-949b-ce0db46cd37c" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueOctober292025Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SeniorUnsecuredNotesDueOctober292025Member_0fccd703-8ce4-4065-949b-ce0db46cd37c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueNovember22026Member_e2244b88-a8ab-43f0-9ae4-bb32b72cb9dd" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueNovember22026Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SeniorUnsecuredNotesDueNovember22026Member_e2244b88-a8ab-43f0-9ae4-bb32b72cb9dd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024CMember_b0a3720d-36b2-4c7d-95df-9aa4f8e77537" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024CMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024CMember_b0a3720d-36b2-4c7d-95df-9aa4f8e77537" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024EMember_c8a67e94-8f91-447b-b569-996881a5c29c" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024EMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024EMember_c8a67e94-8f91-447b-b569-996881a5c29c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024FMember_d385eabe-1cad-4c57-91b5-aa56f9c9ed04" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024FMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024FMember_d385eabe-1cad-4c57-91b5-aa56f9c9ed04" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023AMember_af86cfbe-9be3-4649-8314-8ed98567b15f" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023AMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023AMember_af86cfbe-9be3-4649-8314-8ed98567b15f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023CMember_9472e403-f1d3-4a5a-b27f-cbd335276d4b" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023CMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023CMember_9472e403-f1d3-4a5a-b27f-cbd335276d4b" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ABSTransactionsMember_878953e1-881b-463e-8de0-ca6a0d483a7a" xlink:href="slm-20241231.xsd#slm_ABSTransactionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_ABSTransactionsMember_878953e1-881b-463e-8de0-ca6a0d483a7a" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_da0a3e43-da64-42a2-8a16-16759c497b20" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_PrivateEducationLoansMember_da0a3e43-da64-42a2-8a16-16759c497b20" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember_29dc1f0f-e568-46e1-b5ed-9901ac41325a" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember_29dc1f0f-e568-46e1-b5ed-9901ac41325a" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_ea3aa8dc-72c7-4048-b872-364f5b36bdcd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_6900b83c-5e0a-469e-a37c-593db8ce0024" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_ea3aa8dc-72c7-4048-b872-364f5b36bdcd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_ea3aa8dc-72c7-4048-b872-364f5b36bdcd_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_ea3aa8dc-72c7-4048-b872-364f5b36bdcd" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_ea3aa8dc-72c7-4048-b872-364f5b36bdcd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_3b1f8321-93c4-4041-a049-21c0c27c6b08" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_ea3aa8dc-72c7-4048-b872-364f5b36bdcd" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_3b1f8321-93c4-4041-a049-21c0c27c6b08" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_944e17e3-bbcc-417f-a3f8-c8e9fe7abf99" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_3b1f8321-93c4-4041-a049-21c0c27c6b08" xlink:to="loc_us-gaap_UnsecuredDebtMember_944e17e3-bbcc-417f-a3f8-c8e9fe7abf99" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_5f6a71cd-a42e-481a-9224-66659fe3d9a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_6900b83c-5e0a-469e-a37c-593db8ce0024" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_5f6a71cd-a42e-481a-9224-66659fe3d9a8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_5f6a71cd-a42e-481a-9224-66659fe3d9a8_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_5f6a71cd-a42e-481a-9224-66659fe3d9a8" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_5f6a71cd-a42e-481a-9224-66659fe3d9a8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_81497793-cf79-4c36-ad41-bfcd93e758f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_5f6a71cd-a42e-481a-9224-66659fe3d9a8" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_81497793-cf79-4c36-ad41-bfcd93e758f9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_6fea9a75-b635-4f1d-b030-5227ddea8a7a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_81497793-cf79-4c36-ad41-bfcd93e758f9" xlink:to="loc_us-gaap_SubsequentEventMember_6fea9a75-b635-4f1d-b030-5227ddea8a7a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_1167bb6c-ac4e-49b8-987d-24f6c5d2a460" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_1167bb6c-ac4e-49b8-987d-24f6c5d2a460" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_579ecb67-1158-4c69-96f6-a9790a42e63d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_579ecb67-1158-4c69-96f6-a9790a42e63d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentIssuancePricePercentage_dd8b68ff-3513-4542-aa72-66a738e44eb3" xlink:href="slm-20241231.xsd#slm_DebtInstrumentIssuancePricePercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_slm_DebtInstrumentIssuancePricePercentage_dd8b68ff-3513-4542-aa72-66a738e44eb3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization_700f615b-cce2-4287-b003-e4bc9b42d2d7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization_700f615b-cce2-4287-b003-e4bc9b42d2d7" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansPledgedAsCollateralPrincipalAmount_10f79a2c-7ac6-4845-a2c6-9a34643d986f" xlink:href="slm-20241231.xsd#slm_LoansPledgedAsCollateralPrincipalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_slm_LoansPledgedAsCollateralPrincipalAmount_10f79a2c-7ac6-4845-a2c6-9a34643d986f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansPledgedAsCollateralCapitalizedInterest_9456d380-ce2d-476c-bb19-d3485aae5305" xlink:href="slm-20241231.xsd#slm_LoansPledgedAsCollateralCapitalizedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_slm_LoansPledgedAsCollateralCapitalizedInterest_9456d380-ce2d-476c-bb19-d3485aae5305" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_EstimatedWeightedAverageLifeOfStudentLoans_8b35e197-4d59-48fb-b561-682594425138" xlink:href="slm-20241231.xsd#slm_EstimatedWeightedAverageLifeOfStudentLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_slm_EstimatedWeightedAverageLifeOfStudentLoans_8b35e197-4d59-48fb-b561-682594425138" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsSummaryofOutstandingBorrowingsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_82213a5d-f055-4ea6-9890-a18e6042a765" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_b16c22c2-3a5d-45ff-9d65-a69859572c3a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_82213a5d-f055-4ea6-9890-a18e6042a765" xlink:to="loc_us-gaap_DebtInstrumentTable_b16c22c2-3a5d-45ff-9d65-a69859572c3a" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_31566738-eb48-4a01-bc66-23c9615df220" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_b16c22c2-3a5d-45ff-9d65-a69859572c3a" xlink:to="loc_us-gaap_DebtInstrumentAxis_31566738-eb48-4a01-bc66-23c9615df220" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_31566738-eb48-4a01-bc66-23c9615df220_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_31566738-eb48-4a01-bc66-23c9615df220" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_31566738-eb48-4a01-bc66-23c9615df220_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_150bb323-441a-424a-8b35-933f52f6c46b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_31566738-eb48-4a01-bc66-23c9615df220" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_150bb323-441a-424a-8b35-933f52f6c46b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FloatingRateBorrowingsMember_6af5e0b1-7503-488b-a194-00af11f9dd70" xlink:href="slm-20241231.xsd#slm_FloatingRateBorrowingsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_150bb323-441a-424a-8b35-933f52f6c46b" xlink:to="loc_slm_FloatingRateBorrowingsMember_6af5e0b1-7503-488b-a194-00af11f9dd70" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FixedRateBorrowingsMember_bc407c84-1cab-49e7-af6e-18fd2cdec1e6" xlink:href="slm-20241231.xsd#slm_FixedRateBorrowingsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_150bb323-441a-424a-8b35-933f52f6c46b" xlink:to="loc_slm_FixedRateBorrowingsMember_bc407c84-1cab-49e7-af6e-18fd2cdec1e6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_02d32117-7d63-4ef0-a9ed-fb0934e6d574" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_82213a5d-f055-4ea6-9890-a18e6042a765" xlink:to="loc_us-gaap_LongTermDebt_02d32117-7d63-4ef0-a9ed-fb0934e6d574" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtWeightedAverageInterestRate_785799c9-6390-4367-a8b0-6f5989f7f5b0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtWeightedAverageInterestRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_82213a5d-f055-4ea6-9890-a18e6042a765" xlink:to="loc_us-gaap_LongtermDebtWeightedAverageInterestRate_785799c9-6390-4367-a8b0-6f5989f7f5b0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LongTermDebtWeightedAverageOutstandingBalance_e99ba41b-61ce-436f-9b66-0fd50ada4baf" xlink:href="slm-20241231.xsd#slm_LongTermDebtWeightedAverageOutstandingBalance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_82213a5d-f055-4ea6-9890-a18e6042a765" xlink:to="loc_slm_LongTermDebtWeightedAverageOutstandingBalance_e99ba41b-61ce-436f-9b66-0fd50ada4baf" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsStatedMaturityandMaturitytoCallDateDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_cfe76fd4-4e62-4b42-a516-4e3520526ec2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_DebtInstrumentTable_cfe76fd4-4e62-4b42-a516-4e3520526ec2" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_79a8487d-85d7-4293-b71f-15d882d4a511" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_cfe76fd4-4e62-4b42-a516-4e3520526ec2" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_79a8487d-85d7-4293-b71f-15d882d4a511" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_79a8487d-85d7-4293-b71f-15d882d4a511_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_79a8487d-85d7-4293-b71f-15d882d4a511" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_79a8487d-85d7-4293-b71f-15d882d4a511_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_a64d7ac3-95b3-4d41-9795-775505f0d302" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_79a8487d-85d7-4293-b71f-15d882d4a511" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_a64d7ac3-95b3-4d41-9795-775505f0d302" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BrokeredDepositsMember_5c4c33f7-ec3c-4cd4-b479-1bb6296381fd" xlink:href="slm-20241231.xsd#slm_BrokeredDepositsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_a64d7ac3-95b3-4d41-9795-775505f0d302" xlink:to="loc_slm_BrokeredDepositsMember_5c4c33f7-ec3c-4cd4-b479-1bb6296381fd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_99b9a8a5-3db2-4a9b-bdab-3358e7659a21" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_a64d7ac3-95b3-4d41-9795-775505f0d302" xlink:to="loc_us-gaap_UnsecuredDebtMember_99b9a8a5-3db2-4a9b-bdab-3358e7659a21" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SecuredBorrowingsMember_a6a47e45-2645-4771-b30b-785285dbfd93" xlink:href="slm-20241231.xsd#slm_SecuredBorrowingsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_a64d7ac3-95b3-4d41-9795-775505f0d302" xlink:to="loc_slm_SecuredBorrowingsMember_a6a47e45-2645-4771-b30b-785285dbfd93" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_6003dfc5-84dd-45ad-93b5-d8878723cd8c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_6003dfc5-84dd-45ad-93b5-d8878723cd8c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_d50f59c6-9c17-45f1-afa4-51953feff8e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_d50f59c6-9c17-45f1-afa4-51953feff8e2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_4e769d57-1da0-4200-99f1-e76cec4b4ae0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_4e769d57-1da0-4200-99f1-e76cec4b4ae0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_34437336-45d5-4dc4-9a51-599c2aaf17b8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_34437336-45d5-4dc4-9a51-599c2aaf17b8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_4c0adb3b-0b27-40d2-8c7b-6e0997efe088" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_4c0adb3b-0b27-40d2-8c7b-6e0997efe088" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_35813c45-ce57-425a-8506-9a8e7c1a9e7e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_35813c45-ce57-425a-8506-9a8e7c1a9e7e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_fc6086f8-1a7c-4f0c-9116-a83a6973a9b6" xlink:href="slm-20241231.xsd#slm_DebtInstrumentFaceAmountMaturityToCallDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_fc6086f8-1a7c-4f0c-9116-a83a6973a9b6" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_HedgeAccountingAdjustment_954e6d70-f77b-4306-a805-af146cd6146b" xlink:href="slm-20241231.xsd#slm_HedgeAccountingAdjustment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_slm_HedgeAccountingAdjustment_954e6d70-f77b-4306-a805-af146cd6146b" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentFaceAmountAfterAdjustments_ae83099d-652e-4df2-98dc-3f8c2462cc7e" xlink:href="slm-20241231.xsd#slm_DebtInstrumentFaceAmountAfterAdjustments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_slm_DebtInstrumentFaceAmountAfterAdjustments_ae83099d-652e-4df2-98dc-3f8c2462cc7e" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsSecuredFinancingDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_6a8c3f5b-700c-4f03-b011-4574d849387f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_us-gaap_DebtInstrumentTable_6a8c3f5b-700c-4f03-b011-4574d849387f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_62c1dd04-930a-455a-8ee4-6448ced7c767" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_6a8c3f5b-700c-4f03-b011-4574d849387f" xlink:to="loc_us-gaap_DebtInstrumentAxis_62c1dd04-930a-455a-8ee4-6448ced7c767" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_62c1dd04-930a-455a-8ee4-6448ced7c767_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_62c1dd04-930a-455a-8ee4-6448ced7c767" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_62c1dd04-930a-455a-8ee4-6448ced7c767_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_62c1dd04-930a-455a-8ee4-6448ced7c767" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023AMember_0dc24887-ae9a-433f-a1b1-1536c5772d79" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023AMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023AMember_0dc24887-ae9a-433f-a1b1-1536c5772d79" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023CMember_c353c148-9ec5-4565-b691-93af5da15aab" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023CMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023CMember_c353c148-9ec5-4565-b691-93af5da15aab" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024CMember_96272bc0-0b2a-4839-b65b-c48c3f5c1909" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024CMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024CMember_96272bc0-0b2a-4839-b65b-c48c3f5c1909" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024EMember_c384ab00-8867-4aaf-a69b-c71cec8d0ef1" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024EMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024EMember_c384ab00-8867-4aaf-a69b-c71cec8d0ef1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024FMember_b7c132e3-d4ba-4a0a-a636-1130ef99e7f6" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024FMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024FMember_b7c132e3-d4ba-4a0a-a636-1130ef99e7f6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentLoansTransferred_ad3c1974-ea05-4aba-9062-f12f705b7a60" xlink:href="slm-20241231.xsd#slm_DebtInstrumentLoansTransferred"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_slm_DebtInstrumentLoansTransferred_ad3c1974-ea05-4aba-9062-f12f705b7a60" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_b35b40d8-a8f3-4603-8355-46df31f63b91" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_b35b40d8-a8f3-4603-8355-46df31f63b91" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfDebt_1c40936c-0385-4992-83d4-00ec6be3038b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromIssuanceOfDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfDebt_1c40936c-0385-4992-83d4-00ec6be3038b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeBasisSpreadOnVariableRate_96cebb1f-edd9-4e4b-9ad4-8c643005b52a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeBasisSpreadOnVariableRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_us-gaap_DerivativeBasisSpreadOnVariableRate_96cebb1f-edd9-4e4b-9ad4-8c643005b52a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentWeightedAverageLife_c29d2b87-6a79-4857-89bd-a40687c6581a" xlink:href="slm-20241231.xsd#slm_DebtInstrumentWeightedAverageLife"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_slm_DebtInstrumentWeightedAverageLife_c29d2b87-6a79-4857-89bd-a40687c6581a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansPledgedAsCollateralPrincipalAmount_10d3499e-f510-4681-90fc-79673e45467b" xlink:href="slm-20241231.xsd#slm_LoansPledgedAsCollateralPrincipalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_slm_LoansPledgedAsCollateralPrincipalAmount_10d3499e-f510-4681-90fc-79673e45467b" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansPledgedAsCollateralCapitalizedInterest_a2aee6de-82a7-4082-9e19-1864b31fde1b" xlink:href="slm-20241231.xsd#slm_LoansPledgedAsCollateralCapitalizedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_slm_LoansPledgedAsCollateralCapitalizedInterest_a2aee6de-82a7-4082-9e19-1864b31fde1b" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross_b63ce71d-ed66-4f7f-bf12-d956b6c22adb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NotesReceivableGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_us-gaap_NotesReceivableGross_b63ce71d-ed66-4f7f-bf12-d956b6c22adb" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsFinancingVIEsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_1df947b1-7b1c-4f92-9d2b-263dcf25f42f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_08a476d9-c236-4027-9e13-cabd71e511df" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_1df947b1-7b1c-4f92-9d2b-263dcf25f42f" xlink:to="loc_us-gaap_DebtInstrumentTable_08a476d9-c236-4027-9e13-cabd71e511df" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_2cb62fbc-ced5-47ee-b814-aecf75e6492d" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_08a476d9-c236-4027-9e13-cabd71e511df" xlink:to="loc_srt_ConsolidatedEntitiesAxis_2cb62fbc-ced5-47ee-b814-aecf75e6492d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_2cb62fbc-ced5-47ee-b814-aecf75e6492d_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_2cb62fbc-ced5-47ee-b814-aecf75e6492d" xlink:to="loc_srt_ConsolidatedEntitiesDomain_2cb62fbc-ced5-47ee-b814-aecf75e6492d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_1d9a4af5-20f6-4137-bac8-d586d2d6fa94" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_2cb62fbc-ced5-47ee-b814-aecf75e6492d" xlink:to="loc_srt_ConsolidatedEntitiesDomain_1d9a4af5-20f6-4137-bac8-d586d2d6fa94" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_27f26e3a-094d-470b-a6ea-c44bba482446" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_1d9a4af5-20f6-4137-bac8-d586d2d6fa94" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_27f26e3a-094d-470b-a6ea-c44bba482446" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_d7f7b39f-2b22-4c58-a3bb-47e798c4d148" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_08a476d9-c236-4027-9e13-cabd71e511df" xlink:to="loc_us-gaap_DebtInstrumentAxis_d7f7b39f-2b22-4c58-a3bb-47e798c4d148" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_d7f7b39f-2b22-4c58-a3bb-47e798c4d148_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_d7f7b39f-2b22-4c58-a3bb-47e798c4d148" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_d7f7b39f-2b22-4c58-a3bb-47e798c4d148_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_76dff2ee-6d7b-48c4-a097-6936fbb33f1a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_d7f7b39f-2b22-4c58-a3bb-47e798c4d148" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_76dff2ee-6d7b-48c4-a097-6936fbb33f1a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoanSecuritizationMember_e8a1535a-04fd-4d11-882e-a257f866cb5b" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoanSecuritizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_76dff2ee-6d7b-48c4-a097-6936fbb33f1a" xlink:to="loc_slm_PrivateEducationLoanSecuritizationMember_e8a1535a-04fd-4d11-882e-a257f866cb5b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ABCPBorrowingsMember_26322f28-fb99-41e3-88bb-6796812c60d4" xlink:href="slm-20241231.xsd#slm_ABCPBorrowingsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_76dff2ee-6d7b-48c4-a097-6936fbb33f1a" xlink:to="loc_slm_ABCPBorrowingsMember_26322f28-fb99-41e3-88bb-6796812c60d4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDefaultLongtermDebtAbstract_b9cf4d05-3adb-4c80-bb15-417bce72cf9b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDefaultLongtermDebtAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_1df947b1-7b1c-4f92-9d2b-263dcf25f42f" xlink:to="loc_us-gaap_DebtDefaultLongtermDebtAbstract_b9cf4d05-3adb-4c80-bb15-417bce72cf9b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentsAbstract_21f6594f-364d-4b02-aaac-ec9b7c787485" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtDefaultLongtermDebtAbstract_b9cf4d05-3adb-4c80-bb15-417bce72cf9b" xlink:to="loc_us-gaap_DebtInstrumentsAbstract_21f6594f-364d-4b02-aaac-ec9b7c787485" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_2e75eafa-933c-415e-8092-1fc27b69d227" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentsAbstract_21f6594f-364d-4b02-aaac-ec9b7c787485" xlink:to="loc_us-gaap_ShortTermBorrowings_2e75eafa-933c-415e-8092-1fc27b69d227" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_18771c97-d6fb-4d48-99ec-6aaa951bca91" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentsAbstract_21f6594f-364d-4b02-aaac-ec9b7c787485" xlink:to="loc_us-gaap_LongTermDebt_18771c97-d6fb-4d48-99ec-6aaa951bca91" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_67d01bf4-3f17-498d-9b57-633f2f6611a0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentsAbstract_21f6594f-364d-4b02-aaac-ec9b7c787485" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_67d01bf4-3f17-498d-9b57-633f2f6611a0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAbstract_4048921b-63df-4d5e-9366-53fd46291490" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtDefaultLongtermDebtAbstract_b9cf4d05-3adb-4c80-bb15-417bce72cf9b" xlink:to="loc_us-gaap_RestrictedCashAbstract_4048921b-63df-4d5e-9366-53fd46291490" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans_31f8daad-e561-472b-9cd9-be8d30ef769e" xlink:href="slm-20241231.xsd#slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RestrictedCashAbstract_4048921b-63df-4d5e-9366-53fd46291490" xlink:to="loc_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans_31f8daad-e561-472b-9cd9-be8d30ef769e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndInvestments_525e7ddd-cd50-45f2-8936-c368b469a682" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAndInvestments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RestrictedCashAbstract_4048921b-63df-4d5e-9366-53fd46291490" xlink:to="loc_us-gaap_RestrictedCashAndInvestments_525e7ddd-cd50-45f2-8936-c368b469a682" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_482da456-ff5a-4329-90c4-9b324602998c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RestrictedCashAbstract_4048921b-63df-4d5e-9366-53fd46291490" xlink:to="loc_us-gaap_OtherAssets_482da456-ff5a-4329-90c4-9b324602998c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_f4d1ac7e-f60b-4e7f-9619-d691242a4512" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RestrictedCashAbstract_4048921b-63df-4d5e-9366-53fd46291490" xlink:to="loc_us-gaap_Assets_f4d1ac7e-f60b-4e7f-9619-d691242a4512" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsUnconsolidatedVIEsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_c3efe410-27fc-412b-ad6c-3cbfbe4d3e0a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_da9ad0d7-b94b-4209-898d-eb439e92b875" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c3efe410-27fc-412b-ad6c-3cbfbe4d3e0a" xlink:to="loc_us-gaap_DebtInstrumentTable_da9ad0d7-b94b-4209-898d-eb439e92b875" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_20c7d2d5-5612-4040-9324-107cfd27bac7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_da9ad0d7-b94b-4209-898d-eb439e92b875" xlink:to="loc_us-gaap_DebtInstrumentAxis_20c7d2d5-5612-4040-9324-107cfd27bac7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_20c7d2d5-5612-4040-9324-107cfd27bac7_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_20c7d2d5-5612-4040-9324-107cfd27bac7" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_20c7d2d5-5612-4040-9324-107cfd27bac7_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_20c7d2d5-5612-4040-9324-107cfd27bac7" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023AMember_b4cb981d-1665-402c-bf9a-e622c14baea5" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023AMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023AMember_b4cb981d-1665-402c-bf9a-e622c14baea5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024R1Member_52bd01c8-f98a-4f77-8203-61fcdb012300" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024R1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024R1Member_52bd01c8-f98a-4f77-8203-61fcdb012300" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024BMember_215473fb-41e3-4213-bea4-835b47f47726" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024BMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024BMember_215473fb-41e3-4213-bea4-835b47f47726" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024DMember_aae24582-b4ba-4199-8694-d0f6de25ec3b" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024DMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024DMember_aae24582-b4ba-4199-8694-d0f6de25ec3b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023BMember_563a8e69-f8af-412e-b68c-a2a5b6a9c3b9" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023BMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023BMember_563a8e69-f8af-412e-b68c-a2a5b6a9c3b9" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023DMember_f8b5a380-a2d7-49b4-b39b-79c04287e1de" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023DMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023DMember_f8b5a380-a2d7-49b4-b39b-79c04287e1de" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_63994664-b609-4c0c-925f-724c2de1df13" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_da9ad0d7-b94b-4209-898d-eb439e92b875" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_63994664-b609-4c0c-925f-724c2de1df13" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_63994664-b609-4c0c-925f-724c2de1df13_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_63994664-b609-4c0c-925f-724c2de1df13" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_63994664-b609-4c0c-925f-724c2de1df13_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f76548ff-c194-4f9e-9224-89b40427f785" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_63994664-b609-4c0c-925f-724c2de1df13" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f76548ff-c194-4f9e-9224-89b40427f785" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_df432de3-b8c2-4e94-bed5-47de3a1c42d4" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f76548ff-c194-4f9e-9224-89b40427f785" xlink:to="loc_slm_PrivateEducationLoansMember_df432de3-b8c2-4e94-bed5-47de3a1c42d4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StudentLoanMember_e4c2f54e-27ac-4c21-b7e2-f1cf718352ad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StudentLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f76548ff-c194-4f9e-9224-89b40427f785" xlink:to="loc_us-gaap_StudentLoanMember_e4c2f54e-27ac-4c21-b7e2-f1cf718352ad" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_VerticalRiskRetentionPercentage_e948c1f8-df0d-47ad-b1e7-7ddafbfdda04" xlink:href="slm-20241231.xsd#slm_VerticalRiskRetentionPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c3efe410-27fc-412b-ad6c-3cbfbe4d3e0a" xlink:to="loc_slm_VerticalRiskRetentionPercentage_e948c1f8-df0d-47ad-b1e7-7ddafbfdda04" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_1ff4c15e-a988-428c-99a2-71e724b2e707" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c3efe410-27fc-412b-ad6c-3cbfbe4d3e0a" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_1ff4c15e-a988-428c-99a2-71e724b2e707" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale_d72081a7-b1d4-425d-bc2b-ddef87a3dc81" xlink:href="slm-20241231.xsd#slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c3efe410-27fc-412b-ad6c-3cbfbe4d3e0a" xlink:to="loc_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale_d72081a7-b1d4-425d-bc2b-ddef87a3dc81" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_3c693213-24eb-4802-b029-d680965d4b90" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c3efe410-27fc-412b-ad6c-3cbfbe4d3e0a" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_3c693213-24eb-4802-b029-d680965d4b90" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsSecuritiesFinancingTransactionsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityLineItems_b6ea8c61-1e6d-4c0b-9763-3df9e1c865ba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityTable_f8bb4276-7f2e-48d0-940c-4948b02d767d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_b6ea8c61-1e6d-4c0b-9763-3df9e1c865ba" xlink:to="loc_us-gaap_LineOfCreditFacilityTable_f8bb4276-7f2e-48d0-940c-4948b02d767d" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_bfc3ba9a-a6b5-4069-bb80-56b37ccfcab3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_f8bb4276-7f2e-48d0-940c-4948b02d767d" xlink:to="loc_us-gaap_DebtInstrumentAxis_bfc3ba9a-a6b5-4069-bb80-56b37ccfcab3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_bfc3ba9a-a6b5-4069-bb80-56b37ccfcab3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_bfc3ba9a-a6b5-4069-bb80-56b37ccfcab3" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_bfc3ba9a-a6b5-4069-bb80-56b37ccfcab3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_bfc3ba9a-a6b5-4069-bb80-56b37ccfcab3" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023BMember_69da83f6-88a9-4475-83ee-ddf33a82455e" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023BMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023BMember_69da83f6-88a9-4475-83ee-ddf33a82455e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023DMember_0f739d88-8d6b-4a85-8988-b5c5af602a8c" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023DMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023DMember_0f739d88-8d6b-4a85-8988-b5c5af602a8c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024AMember_39e41a14-d66e-480c-95a1-89e9cd45fe75" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024AMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024AMember_39e41a14-d66e-480c-95a1-89e9cd45fe75" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024R1Member_a147e4f2-7ec3-475a-a10a-b0a5e41ad7ab" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024R1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024R1Member_a147e4f2-7ec3-475a-a10a-b0a5e41ad7ab" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024BMember_0bd4f94a-ee97-40cf-8c5e-006e527bcce1" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024BMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024BMember_0bd4f94a-ee97-40cf-8c5e-006e527bcce1" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024DMember_e8bdfdc7-d10f-47dd-a3cd-1f38341fda4d" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024DMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024DMember_e8bdfdc7-d10f-47dd-a3cd-1f38341fda4d" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ec14ab95-bb07-41c1-913d-7ce3547d1de3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_f8bb4276-7f2e-48d0-940c-4948b02d767d" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ec14ab95-bb07-41c1-913d-7ce3547d1de3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec14ab95-bb07-41c1-913d-7ce3547d1de3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ec14ab95-bb07-41c1-913d-7ce3547d1de3" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec14ab95-bb07-41c1-913d-7ce3547d1de3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5405f1c0-076d-4a2a-bb57-5147e7a655de" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ec14ab95-bb07-41c1-913d-7ce3547d1de3" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5405f1c0-076d-4a2a-bb57-5147e7a655de" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_d15d9ab0-98bb-43e8-ba6f-5d683b1226bd" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5405f1c0-076d-4a2a-bb57-5147e7a655de" xlink:to="loc_slm_PrivateEducationLoansMember_d15d9ab0-98bb-43e8-ba6f-5d683b1226bd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_5904a857-a01e-41a6-ba05-18567126a45b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_b6ea8c61-1e6d-4c0b-9763-3df9e1c865ba" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_5904a857-a01e-41a6-ba05-18567126a45b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale_c20f2ef4-6df8-49c0-8a3f-b9969b385f15" xlink:href="slm-20241231.xsd#slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_b6ea8c61-1e6d-4c0b-9763-3df9e1c865ba" xlink:to="loc_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale_c20f2ef4-6df8-49c0-8a3f-b9969b385f15" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_c6acab59-ce38-4551-8947-76611bf31ba0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_b6ea8c61-1e6d-4c0b-9763-3df9e1c865ba" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_c6acab59-ce38-4551-8947-76611bf31ba0" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_a287f3a7-21aa-4df8-9893-b5f6c476c547" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_2271263d-fd84-4f7a-9bd2-fc7e623ec98f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a287f3a7-21aa-4df8-9893-b5f6c476c547" xlink:to="loc_us-gaap_DebtInstrumentTable_2271263d-fd84-4f7a-9bd2-fc7e623ec98f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_00742e02-d315-4ae0-b5cb-460234e81e70" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_2271263d-fd84-4f7a-9bd2-fc7e623ec98f" xlink:to="loc_srt_ConsolidatedEntitiesAxis_00742e02-d315-4ae0-b5cb-460234e81e70" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_00742e02-d315-4ae0-b5cb-460234e81e70_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_00742e02-d315-4ae0-b5cb-460234e81e70" xlink:to="loc_srt_ConsolidatedEntitiesDomain_00742e02-d315-4ae0-b5cb-460234e81e70_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_13d4d9b8-1f2c-499d-a2b3-c5015f7d4157" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_00742e02-d315-4ae0-b5cb-460234e81e70" xlink:to="loc_srt_ConsolidatedEntitiesDomain_13d4d9b8-1f2c-499d-a2b3-c5015f7d4157" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_68aa5334-8d91-43c3-9fba-4325c0541a7a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_13d4d9b8-1f2c-499d-a2b3-c5015f7d4157" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_68aa5334-8d91-43c3-9fba-4325c0541a7a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_824cc580-5151-4bd9-96d3-f3ea0d044bbc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_2271263d-fd84-4f7a-9bd2-fc7e623ec98f" xlink:to="loc_us-gaap_DebtInstrumentAxis_824cc580-5151-4bd9-96d3-f3ea0d044bbc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_824cc580-5151-4bd9-96d3-f3ea0d044bbc_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_824cc580-5151-4bd9-96d3-f3ea0d044bbc" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_824cc580-5151-4bd9-96d3-f3ea0d044bbc_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_14cdca2f-a63f-4e0c-bc0d-dc72a3e49558" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_824cc580-5151-4bd9-96d3-f3ea0d044bbc" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_14cdca2f-a63f-4e0c-bc0d-dc72a3e49558" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoanSecuritizationMember_309cca0e-8777-4390-b49f-36fb0112339a" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoanSecuritizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_14cdca2f-a63f-4e0c-bc0d-dc72a3e49558" xlink:to="loc_slm_PrivateEducationLoanSecuritizationMember_309cca0e-8777-4390-b49f-36fb0112339a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e047cbee-dad2-4ec6-9087-9be7bb694885" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a287f3a7-21aa-4df8-9893-b5f6c476c547" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e047cbee-dad2-4ec6-9087-9be7bb694885" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecurities_e1b61c63-8cde-4543-b485-4af93229d9af" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a287f3a7-21aa-4df8-9893-b5f6c476c547" xlink:to="loc_us-gaap_TradingSecurities_e1b61c63-8cde-4543-b485-4af93229d9af" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_bbcec6da-940d-456b-a8d3-ae84c3637c42" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a287f3a7-21aa-4df8-9893-b5f6c476c547" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_bbcec6da-940d-456b-a8d3-ae84c3637c42" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable_c37b30db-35ca-4270-878f-25b3d8128021" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_us-gaap_DerivativeTable_c37b30db-35ca-4270-878f-25b3d8128021" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_bfcc9538-9ef6-464a-9956-a3f52de64ade" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_c37b30db-35ca-4270-878f-25b3d8128021" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_bfcc9538-9ef6-464a-9956-a3f52de64ade" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_bfcc9538-9ef6-464a-9956-a3f52de64ade_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_bfcc9538-9ef6-464a-9956-a3f52de64ade" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_bfcc9538-9ef6-464a-9956-a3f52de64ade_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_ae1d5067-93e9-4443-a06c-c2be98544340" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_bfcc9538-9ef6-464a-9956-a3f52de64ade" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_ae1d5067-93e9-4443-a06c-c2be98544340" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_exch_XCME_1c36d5a3-d5de-49aa-a234-ca3bc8b5eb0a" xlink:href="https://xbrl.sec.gov/exch/2024/exch-2024.xsd#exch_XCME"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_ae1d5067-93e9-4443-a06c-c2be98544340" xlink:to="loc_exch_XCME_1c36d5a3-d5de-49aa-a234-ca3bc8b5eb0a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LondonClearingHouseMember_d23f03bc-04ba-439b-9655-d44e75ac7d3c" xlink:href="slm-20241231.xsd#slm_LondonClearingHouseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_ae1d5067-93e9-4443-a06c-c2be98544340" xlink:to="loc_slm_LondonClearingHouseMember_d23f03bc-04ba-439b-9655-d44e75ac7d3c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NumberOfCounterparties_67659407-f723-4966-8c91-8a78f5318a87" xlink:href="slm-20241231.xsd#slm_NumberOfCounterparties"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_slm_NumberOfCounterparties_67659407-f723-4966-8c91-8a78f5318a87" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_8fb4fbfc-19bb-45e3-87cf-9da6f93b8232" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_us-gaap_DerivativeNotionalAmount_8fb4fbfc-19bb-45e3-87cf-9da6f93b8232" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts_80903123-c315-419d-be6a-e2fedc518993" xlink:href="slm-20241231.xsd#slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts_80903123-c315-419d-be6a-e2fedc518993" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmountOfVariationMarginIncludedAsSettlement_e271e531-47a9-4673-adab-8991b924fc4f" xlink:href="slm-20241231.xsd#slm_AmountOfVariationMarginIncludedAsSettlement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_slm_AmountOfVariationMarginIncludedAsSettlement_e271e531-47a9-4673-adab-8991b924fc4f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet_d799b7ff-63de-4992-b7e2-9db375d72905" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet_d799b7ff-63de-4992-b7e2-9db375d72905" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_1a374f4f-2eb2-4693-9809-adbc1e72379b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_1a374f4f-2eb2-4693-9809-adbc1e72379b" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet_3e8e5c31-623f-49cf-96d0-37110bf2f55a" xlink:href="slm-20241231.xsd#slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet_3e8e5c31-623f-49cf-96d0-37110bf2f55a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_2b17296c-a6c5-4e78-b4f2-550ea081b2e6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_2b17296c-a6c5-4e78-b4f2-550ea081b2e6" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems_f04d8142-6545-4701-81c8-5c090b033ab0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_8992af07-3beb-424f-a07b-a42eba202395" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_f04d8142-6545-4701-81c8-5c090b033ab0" xlink:to="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_8992af07-3beb-424f-a07b-a42eba202395" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_f20fe9b4-8951-45e9-9951-1cc3130e5426" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_8992af07-3beb-424f-a07b-a42eba202395" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_f20fe9b4-8951-45e9-9951-1cc3130e5426" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_f20fe9b4-8951-45e9-9951-1cc3130e5426_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_f20fe9b4-8951-45e9-9951-1cc3130e5426" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_f20fe9b4-8951-45e9-9951-1cc3130e5426_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_159384fe-0d7d-4cd4-a49a-1c34db22e7d5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_f20fe9b4-8951-45e9-9951-1cc3130e5426" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_159384fe-0d7d-4cd4-a49a-1c34db22e7d5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_53b0dc42-64ce-4c98-bc26-efa93344de26" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_159384fe-0d7d-4cd4-a49a-1c34db22e7d5" xlink:to="loc_us-gaap_InterestRateSwapMember_53b0dc42-64ce-4c98-bc26-efa93344de26" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_a1ecbd05-5234-4ecd-8863-e65a8513bf57" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_8992af07-3beb-424f-a07b-a42eba202395" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_a1ecbd05-5234-4ecd-8863-e65a8513bf57" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_a1ecbd05-5234-4ecd-8863-e65a8513bf57_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_a1ecbd05-5234-4ecd-8863-e65a8513bf57" xlink:to="loc_us-gaap_HedgingRelationshipDomain_a1ecbd05-5234-4ecd-8863-e65a8513bf57_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_3c0c4cc8-36b6-4d57-be63-13274c2bb223" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_a1ecbd05-5234-4ecd-8863-e65a8513bf57" xlink:to="loc_us-gaap_HedgingRelationshipDomain_3c0c4cc8-36b6-4d57-be63-13274c2bb223" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember_43312d46-6d6c-42fd-83fd-93e1cbf1bfe1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_3c0c4cc8-36b6-4d57-be63-13274c2bb223" xlink:to="loc_us-gaap_CashFlowHedgingMember_43312d46-6d6c-42fd-83fd-93e1cbf1bfe1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_2b2a43b6-56b7-444d-93e9-84d6b5ce926b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_3c0c4cc8-36b6-4d57-be63-13274c2bb223" xlink:to="loc_us-gaap_FairValueHedgingMember_2b2a43b6-56b7-444d-93e9-84d6b5ce926b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_c758c467-2f68-4fa8-a7bb-8bd839cde34d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_8992af07-3beb-424f-a07b-a42eba202395" xlink:to="loc_us-gaap_HedgingDesignationAxis_c758c467-2f68-4fa8-a7bb-8bd839cde34d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_c758c467-2f68-4fa8-a7bb-8bd839cde34d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_c758c467-2f68-4fa8-a7bb-8bd839cde34d" xlink:to="loc_us-gaap_HedgingDesignationDomain_c758c467-2f68-4fa8-a7bb-8bd839cde34d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_783998da-e938-44a1-8f28-93e95ee46e2a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_c758c467-2f68-4fa8-a7bb-8bd839cde34d" xlink:to="loc_us-gaap_HedgingDesignationDomain_783998da-e938-44a1-8f28-93e95ee46e2a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_28f7687c-17df-46f3-91c6-487c9147a3e3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_783998da-e938-44a1-8f28-93e95ee46e2a" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_28f7687c-17df-46f3-91c6-487c9147a3e3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_99b5be7b-4e71-485a-bf4e-44150043fb0c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NondesignatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_783998da-e938-44a1-8f28-93e95ee46e2a" xlink:to="loc_us-gaap_NondesignatedMember_99b5be7b-4e71-485a-bf4e-44150043fb0c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_3d5007f5-d835-44be-addb-f31857a6444e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_f04d8142-6545-4701-81c8-5c090b033ab0" xlink:to="loc_us-gaap_DerivativeAssets_3d5007f5-d835-44be-addb-f31857a6444e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_b0646ea9-7a1f-4b53-a821-4a0158d762c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_f04d8142-6545-4701-81c8-5c090b033ab0" xlink:to="loc_us-gaap_DerivativeLiabilities_b0646ea9-7a1f-4b53-a821-4a0158d762c5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_eb16c774-bd5d-4f0b-b34a-63ae190c2312" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_f04d8142-6545-4701-81c8-5c090b033ab0" xlink:to="loc_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_eb16c774-bd5d-4f0b-b34a-63ae190c2312" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsNotionalValuesDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_77dcf4db-5c1f-4875-bde2-95fbe3db070d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_5eec6140-15f2-4e14-a0bf-56e7a46e2ce9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_77dcf4db-5c1f-4875-bde2-95fbe3db070d" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_5eec6140-15f2-4e14-a0bf-56e7a46e2ce9" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_f6251ed9-b20b-455a-b42d-8c3e99a44e93" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_5eec6140-15f2-4e14-a0bf-56e7a46e2ce9" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_f6251ed9-b20b-455a-b42d-8c3e99a44e93" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_f6251ed9-b20b-455a-b42d-8c3e99a44e93_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_f6251ed9-b20b-455a-b42d-8c3e99a44e93" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_f6251ed9-b20b-455a-b42d-8c3e99a44e93_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_bf3697bf-5608-4048-b5ea-1c4ed2b0520f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_f6251ed9-b20b-455a-b42d-8c3e99a44e93" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_bf3697bf-5608-4048-b5ea-1c4ed2b0520f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_58c7b9ef-f237-47af-a167-234c88296e2c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_bf3697bf-5608-4048-b5ea-1c4ed2b0520f" xlink:to="loc_us-gaap_InterestRateSwapMember_58c7b9ef-f237-47af-a167-234c88296e2c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_3ae03c9b-961d-42f3-b215-dd5f4a40a2d9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_5eec6140-15f2-4e14-a0bf-56e7a46e2ce9" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_3ae03c9b-961d-42f3-b215-dd5f4a40a2d9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_3ae03c9b-961d-42f3-b215-dd5f4a40a2d9_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_3ae03c9b-961d-42f3-b215-dd5f4a40a2d9" xlink:to="loc_us-gaap_HedgingRelationshipDomain_3ae03c9b-961d-42f3-b215-dd5f4a40a2d9_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_e68e23b6-f569-4e00-9f0a-804a405c2180" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_3ae03c9b-961d-42f3-b215-dd5f4a40a2d9" xlink:to="loc_us-gaap_HedgingRelationshipDomain_e68e23b6-f569-4e00-9f0a-804a405c2180" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember_7505b7ea-e5d4-4087-a5a0-8230e8a474ae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_e68e23b6-f569-4e00-9f0a-804a405c2180" xlink:to="loc_us-gaap_CashFlowHedgingMember_7505b7ea-e5d4-4087-a5a0-8230e8a474ae" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_380bb0de-f95a-4fcd-80a7-7264e1d9b9f0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_e68e23b6-f569-4e00-9f0a-804a405c2180" xlink:to="loc_us-gaap_FairValueHedgingMember_380bb0de-f95a-4fcd-80a7-7264e1d9b9f0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_4a68f2ad-fc00-4920-bb8d-8cdb61488fd0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_5eec6140-15f2-4e14-a0bf-56e7a46e2ce9" xlink:to="loc_us-gaap_HedgingDesignationAxis_4a68f2ad-fc00-4920-bb8d-8cdb61488fd0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_4a68f2ad-fc00-4920-bb8d-8cdb61488fd0_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_4a68f2ad-fc00-4920-bb8d-8cdb61488fd0" xlink:to="loc_us-gaap_HedgingDesignationDomain_4a68f2ad-fc00-4920-bb8d-8cdb61488fd0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_c99f6ce1-7d69-4478-a62d-62176281685f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_4a68f2ad-fc00-4920-bb8d-8cdb61488fd0" xlink:to="loc_us-gaap_HedgingDesignationDomain_c99f6ce1-7d69-4478-a62d-62176281685f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_cee18318-ab00-447f-8d6a-02adcce4b858" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_c99f6ce1-7d69-4478-a62d-62176281685f" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_cee18318-ab00-447f-8d6a-02adcce4b858" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_8e1d37be-b358-4cf8-8154-fa429ec8a84d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NondesignatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_c99f6ce1-7d69-4478-a62d-62176281685f" xlink:to="loc_us-gaap_NondesignatedMember_8e1d37be-b358-4cf8-8154-fa429ec8a84d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_bcdedfe7-bfab-4965-bb00-a11a41657063" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_77dcf4db-5c1f-4875-bde2-95fbe3db070d" xlink:to="loc_us-gaap_DerivativeNotionalAmount_bcdedfe7-bfab-4965-bb00-a11a41657063" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems_7afe63cc-822e-45ae-af73-8b003e58e955" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_fb77ffed-0175-4950-a5ac-728741ff0fe1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_7afe63cc-822e-45ae-af73-8b003e58e955" xlink:to="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_fb77ffed-0175-4950-a5ac-728741ff0fe1" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_ac826363-7447-4cc5-8084-dfca22c0b268" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_fb77ffed-0175-4950-a5ac-728741ff0fe1" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_ac826363-7447-4cc5-8084-dfca22c0b268" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_ac826363-7447-4cc5-8084-dfca22c0b268_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_ac826363-7447-4cc5-8084-dfca22c0b268" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_ac826363-7447-4cc5-8084-dfca22c0b268_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_56f3f80f-b17b-448d-8256-6bb489871171" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_ac826363-7447-4cc5-8084-dfca22c0b268" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_56f3f80f-b17b-448d-8256-6bb489871171" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsMember_883278e6-c675-4275-be48-302384531757" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_56f3f80f-b17b-448d-8256-6bb489871171" xlink:to="loc_us-gaap_DepositsMember_883278e6-c675-4275-be48-302384531757" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityFairValueHedge_58b0aac8-fb6d-4a11-894e-9181db9be7e8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgedLiabilityFairValueHedge"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_7afe63cc-822e-45ae-af73-8b003e58e955" xlink:to="loc_us-gaap_HedgedLiabilityFairValueHedge_58b0aac8-fb6d-4a11-894e-9181db9be7e8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_2bc09897-5363-4632-bc36-31b5dc889f8e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_7afe63cc-822e-45ae-af73-8b003e58e955" xlink:to="loc_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_2bc09897-5363-4632-bc36-31b5dc889f8e" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c833f6eb-02ec-488b-91b3-fa465a60d176" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c833f6eb-02ec-488b-91b3-fa465a60d176" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_f8b7b258-7bb3-4fb8-9807-2d1ba33f3695" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c833f6eb-02ec-488b-91b3-fa465a60d176" xlink:to="loc_us-gaap_HedgingDesignationAxis_f8b7b258-7bb3-4fb8-9807-2d1ba33f3695" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_f8b7b258-7bb3-4fb8-9807-2d1ba33f3695_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_f8b7b258-7bb3-4fb8-9807-2d1ba33f3695" xlink:to="loc_us-gaap_HedgingDesignationDomain_f8b7b258-7bb3-4fb8-9807-2d1ba33f3695_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_8fa068ab-db36-43ea-b602-74767fd823be" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_f8b7b258-7bb3-4fb8-9807-2d1ba33f3695" xlink:to="loc_us-gaap_HedgingDesignationDomain_8fa068ab-db36-43ea-b602-74767fd823be" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_6058f100-f081-4bdf-afa2-99d4b021462f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_8fa068ab-db36-43ea-b602-74767fd823be" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_6058f100-f081-4bdf-afa2-99d4b021462f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_76eb68aa-d91b-43df-a7f1-7becff087de5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NondesignatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_8fa068ab-db36-43ea-b602-74767fd823be" xlink:to="loc_us-gaap_NondesignatedMember_76eb68aa-d91b-43df-a7f1-7becff087de5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_06fc95f3-335a-499a-bc33-4ff298cbbb10" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c833f6eb-02ec-488b-91b3-fa465a60d176" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_06fc95f3-335a-499a-bc33-4ff298cbbb10" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_06fc95f3-335a-499a-bc33-4ff298cbbb10_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_06fc95f3-335a-499a-bc33-4ff298cbbb10" xlink:to="loc_us-gaap_EquityComponentDomain_06fc95f3-335a-499a-bc33-4ff298cbbb10_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_98507c48-5e2f-449c-898f-0f6b60b2b2e0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_06fc95f3-335a-499a-bc33-4ff298cbbb10" xlink:to="loc_us-gaap_EquityComponentDomain_98507c48-5e2f-449c-898f-0f6b60b2b2e0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_4cac4af7-4f79-4a59-b4da-f5305da2837d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_98507c48-5e2f-449c-898f-0f6b60b2b2e0" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_4cac4af7-4f79-4a59-b4da-f5305da2837d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b5a013f2-22f6-4479-b3b5-011f670d927f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c833f6eb-02ec-488b-91b3-fa465a60d176" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b5a013f2-22f6-4479-b3b5-011f670d927f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_b5a013f2-22f6-4479-b3b5-011f670d927f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b5a013f2-22f6-4479-b3b5-011f670d927f" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_b5a013f2-22f6-4479-b3b5-011f670d927f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_dfc1c2f4-356f-4240-8ac6-ba5911543432" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b5a013f2-22f6-4479-b3b5-011f670d927f" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_dfc1c2f4-356f-4240-8ac6-ba5911543432" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_0577559b-198b-40e0-bc19-81b8e21990ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_dfc1c2f4-356f-4240-8ac6-ba5911543432" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_0577559b-198b-40e0-bc19-81b8e21990ed" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract_995b3950-e8f3-47b8-a773-f4dc710c1854" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:to="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract_995b3950-e8f3-47b8-a773-f4dc710c1854" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings_5f538b62-a6ac-4876-a256-c1008fdb7b9e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract_995b3950-e8f3-47b8-a773-f4dc710c1854" xlink:to="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings_5f538b62-a6ac-4876-a256-c1008fdb7b9e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_e99623c6-c2a9-496b-9af3-211406358948" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract_995b3950-e8f3-47b8-a773-f4dc710c1854" xlink:to="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_e99623c6-c2a9-496b-9af3-211406358948" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_bdb1c750-e0f7-4b34-9bd4-5b300eb262c6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract_995b3950-e8f3-47b8-a773-f4dc710c1854" xlink:to="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_bdb1c750-e0f7-4b34-9bd4-5b300eb262c6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract_3908310c-75ee-4dfc-bb74-daf511575ef7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:to="loc_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract_3908310c-75ee-4dfc-bb74-daf511575ef7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_83cc25b4-3e37-4b7e-b097-1a3def6f039a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract_3908310c-75ee-4dfc-bb74-daf511575ef7" xlink:to="loc_us-gaap_InterestExpense_83cc25b4-3e37-4b7e-b097-1a3def6f039a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract_241c6e88-a08f-439e-bc17-b1cd6644c8cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:to="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract_241c6e88-a08f-439e-bc17-b1cd6644c8cd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings_c06b1bdd-47a1-4691-8229-9867f52684fd" xlink:href="slm-20241231.xsd#slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract_241c6e88-a08f-439e-bc17-b1cd6644c8cd" xlink:to="loc_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings_c06b1bdd-47a1-4691-8229-9867f52684fd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet_bad3e6eb-60d0-470c-ab8c-6a3599821d4c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:to="loc_us-gaap_DerivativeGainLossOnDerivativeNet_bad3e6eb-60d0-470c-ab8c-6a3599821d4c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_231270dc-fa45-4b2b-ac41-74ae98b91501" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:to="loc_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_231270dc-fa45-4b2b-ac41-74ae98b91501" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockholdersEquityPreferredStockDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_f56eb8f1-efa0-4504-817b-a56230ffd23f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_e719cbef-e052-4735-852a-4922a7309cf0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ClassOfStockLineItems_f56eb8f1-efa0-4504-817b-a56230ffd23f" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_e719cbef-e052-4735-852a-4922a7309cf0" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_2fc6fc7f-0de0-4888-b1d8-740f5875432d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_e719cbef-e052-4735-852a-4922a7309cf0" xlink:to="loc_us-gaap_StatementClassOfStockAxis_2fc6fc7f-0de0-4888-b1d8-740f5875432d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_2fc6fc7f-0de0-4888-b1d8-740f5875432d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_2fc6fc7f-0de0-4888-b1d8-740f5875432d" xlink:to="loc_us-gaap_ClassOfStockDomain_2fc6fc7f-0de0-4888-b1d8-740f5875432d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_b9edf69d-d5b3-450e-b5c6-bb3e49a92d09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_2fc6fc7f-0de0-4888-b1d8-740f5875432d" xlink:to="loc_us-gaap_ClassOfStockDomain_b9edf69d-d5b3-450e-b5c6-bb3e49a92d09" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember_c9e87f3a-6792-4fa5-96f3-8e65e5b7a7b3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_b9edf69d-d5b3-450e-b5c6-bb3e49a92d09" xlink:to="loc_us-gaap_SeriesBPreferredStockMember_c9e87f3a-6792-4fa5-96f3-8e65e5b7a7b3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateAxis_ef20b190-91f4-4178-b114-9f23695d14a4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableRateAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_e719cbef-e052-4735-852a-4922a7309cf0" xlink:to="loc_us-gaap_VariableRateAxis_ef20b190-91f4-4178-b114-9f23695d14a4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_ef20b190-91f4-4178-b114-9f23695d14a4_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_VariableRateAxis_ef20b190-91f4-4178-b114-9f23695d14a4" xlink:to="loc_us-gaap_VariableRateDomain_ef20b190-91f4-4178-b114-9f23695d14a4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_87c486f8-a942-41b5-9917-5bdff61aca63" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_VariableRateAxis_ef20b190-91f4-4178-b114-9f23695d14a4" xlink:to="loc_us-gaap_VariableRateDomain_87c486f8-a942-41b5-9917-5bdff61aca63" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LondonInterbankOfferedRateLIBOR1Member_77959423-f5c6-4360-8ebb-7ba0edd60e9f" xlink:href="slm-20241231.xsd#slm_LondonInterbankOfferedRateLIBOR1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableRateDomain_87c486f8-a942-41b5-9917-5bdff61aca63" xlink:to="loc_slm_LondonInterbankOfferedRateLIBOR1Member_77959423-f5c6-4360-8ebb-7ba0edd60e9f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredOvernightFinancingRateSofrMember_e122904f-648a-4954-94f6-44d06655bdf7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SecuredOvernightFinancingRateSofrMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableRateDomain_87c486f8-a942-41b5-9917-5bdff61aca63" xlink:to="loc_us-gaap_SecuredOvernightFinancingRateSofrMember_e122904f-648a-4954-94f6-44d06655bdf7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ThreeMonthLIBORMember_c26e8438-96e5-4900-935e-a96c9bd0b8cc" xlink:href="slm-20241231.xsd#slm_ThreeMonthLIBORMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableRateDomain_87c486f8-a942-41b5-9917-5bdff61aca63" xlink:to="loc_slm_ThreeMonthLIBORMember_c26e8438-96e5-4900-935e-a96c9bd0b8cc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_14ff454a-8caf-41dd-9f45-b47dc9f0ce2a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_f56eb8f1-efa0-4504-817b-a56230ffd23f" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_14ff454a-8caf-41dd-9f45-b47dc9f0ce2a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePercentage_f5efeeb4-981e-4443-a87d-f4af48529c09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendRatePercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_f56eb8f1-efa0-4504-817b-a56230ffd23f" xlink:to="loc_us-gaap_PreferredStockDividendRatePercentage_f5efeeb4-981e-4443-a87d-f4af48529c09" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_644e76e4-c716-44da-a9b5-7125703e38da" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_f56eb8f1-efa0-4504-817b-a56230ffd23f" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_644e76e4-c716-44da-a9b5-7125703e38da" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockholdersEquityCommonStockDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockholdersEquityCommonStockDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/StockholdersEquityCommonStockDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_771065a3-16b8-4512-b9c6-4dcda7f465f3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_771065a3-16b8-4512-b9c6-4dcda7f465f3" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_470f67db-c5fb-46d5-ba0d-007db7b6fd5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_771065a3-16b8-4512-b9c6-4dcda7f465f3" xlink:to="loc_us-gaap_StatementClassOfStockAxis_470f67db-c5fb-46d5-ba0d-007db7b6fd5e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_470f67db-c5fb-46d5-ba0d-007db7b6fd5e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_470f67db-c5fb-46d5-ba0d-007db7b6fd5e" xlink:to="loc_us-gaap_ClassOfStockDomain_470f67db-c5fb-46d5-ba0d-007db7b6fd5e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_530a4a05-b6d0-484b-9fd4-e5df308cf1ab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_470f67db-c5fb-46d5-ba0d-007db7b6fd5e" xlink:to="loc_us-gaap_ClassOfStockDomain_530a4a05-b6d0-484b-9fd4-e5df308cf1ab" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_7e8e36be-8e56-4ee5-b356-aec080d5f557" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_530a4a05-b6d0-484b-9fd4-e5df308cf1ab" xlink:to="loc_us-gaap_CommonStockMember_7e8e36be-8e56-4ee5-b356-aec080d5f557" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_30086bdc-e5ee-42f4-9134-40944cd80fa7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_30086bdc-e5ee-42f4-9134-40944cd80fa7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_27ea3816-4c2f-4894-8e7c-d00e94f7a1c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_27ea3816-4c2f-4894-8e7c-d00e94f7a1c5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_ce9f061b-df4e-4b46-aa13-97ec2b33c228" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:to="loc_us-gaap_CommonStockSharesIssued_ce9f061b-df4e-4b46-aa13-97ec2b33c228" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_12b804b0-346a-488f-8a5c-bd28e4557db6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_12b804b0-346a-488f-8a5c-bd28e4557db6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CommonSharesUnissuedButEncumbered_16fb3399-be32-44b8-9215-9f08a12973c2" xlink:href="slm-20241231.xsd#slm_CommonSharesUnissuedButEncumbered"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:to="loc_slm_CommonSharesUnissuedButEncumbered_16fb3399-be32-44b8-9215-9f08a12973c2" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockholdersEquityShareRepurchasesDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_a78f101f-36d8-481d-85d0-9547c9110542" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_a78f101f-36d8-481d-85d0-9547c9110542" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramAxis_603af934-8723-4ece-9465-d21b68dfbdca" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_a78f101f-36d8-481d-85d0-9547c9110542" xlink:to="loc_srt_ShareRepurchaseProgramAxis_603af934-8723-4ece-9465-d21b68dfbdca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramDomain_603af934-8723-4ece-9465-d21b68dfbdca_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ShareRepurchaseProgramAxis_603af934-8723-4ece-9465-d21b68dfbdca" xlink:to="loc_srt_ShareRepurchaseProgramDomain_603af934-8723-4ece-9465-d21b68dfbdca_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramDomain_5383b001-2d2a-497b-9ba7-ea1dbb814863" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ShareRepurchaseProgramAxis_603af934-8723-4ece-9465-d21b68dfbdca" xlink:to="loc_srt_ShareRepurchaseProgramDomain_5383b001-2d2a-497b-9ba7-ea1dbb814863" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2020ShareRepurchaseProgramMember_b1d64f27-ec95-4c77-85d1-b2ff6c1407b4" xlink:href="slm-20241231.xsd#slm_A2020ShareRepurchaseProgramMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ShareRepurchaseProgramDomain_5383b001-2d2a-497b-9ba7-ea1dbb814863" xlink:to="loc_slm_A2020ShareRepurchaseProgramMember_b1d64f27-ec95-4c77-85d1-b2ff6c1407b4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2021ShareRepurchaseProgramMember_8858cf9d-9ab6-44c8-acf2-4f79967aad47" xlink:href="slm-20241231.xsd#slm_A2021ShareRepurchaseProgramMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ShareRepurchaseProgramDomain_5383b001-2d2a-497b-9ba7-ea1dbb814863" xlink:to="loc_slm_A2021ShareRepurchaseProgramMember_8858cf9d-9ab6-44c8-acf2-4f79967aad47" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2022ShareRepurchaseProgramMember_bfb60024-3c2c-43d0-b39d-cc5b387f8642" xlink:href="slm-20241231.xsd#slm_A2022ShareRepurchaseProgramMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ShareRepurchaseProgramDomain_5383b001-2d2a-497b-9ba7-ea1dbb814863" xlink:to="loc_slm_A2022ShareRepurchaseProgramMember_bfb60024-3c2c-43d0-b39d-cc5b387f8642" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Rule10b51TradingPlanMember_001d728b-271a-438e-9965-5cd33b48e740" xlink:href="slm-20241231.xsd#slm_Rule10b51TradingPlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ShareRepurchaseProgramDomain_5383b001-2d2a-497b-9ba7-ea1dbb814863" xlink:to="loc_slm_Rule10b51TradingPlanMember_001d728b-271a-438e-9965-5cd33b48e740" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_3f42f2ad-347a-4ff9-947f-413dc44943e8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_a78f101f-36d8-481d-85d0-9547c9110542" xlink:to="loc_us-gaap_StatementClassOfStockAxis_3f42f2ad-347a-4ff9-947f-413dc44943e8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_3f42f2ad-347a-4ff9-947f-413dc44943e8_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_3f42f2ad-347a-4ff9-947f-413dc44943e8" xlink:to="loc_us-gaap_ClassOfStockDomain_3f42f2ad-347a-4ff9-947f-413dc44943e8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_f1e757c7-2c37-4ae6-8ff3-2f90c69ee093" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_3f42f2ad-347a-4ff9-947f-413dc44943e8" xlink:to="loc_us-gaap_ClassOfStockDomain_f1e757c7-2c37-4ae6-8ff3-2f90c69ee093" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_82e2f4ca-77ed-4c14-a448-bca938ddba16" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_f1e757c7-2c37-4ae6-8ff3-2f90c69ee093" xlink:to="loc_us-gaap_CommonStockMember_82e2f4ca-77ed-4c14-a448-bca938ddba16" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_ba752021-a75f-4852-9a26-ff6adc9f9e16" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_a78f101f-36d8-481d-85d0-9547c9110542" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_ba752021-a75f-4852-9a26-ff6adc9f9e16" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_ba752021-a75f-4852-9a26-ff6adc9f9e16_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_ba752021-a75f-4852-9a26-ff6adc9f9e16" xlink:to="loc_us-gaap_EquityComponentDomain_ba752021-a75f-4852-9a26-ff6adc9f9e16_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_5f676e22-3304-42fb-9ee0-a1e2a10e176c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_ba752021-a75f-4852-9a26-ff6adc9f9e16" xlink:to="loc_us-gaap_EquityComponentDomain_5f676e22-3304-42fb-9ee0-a1e2a10e176c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_4922d22c-247a-4898-a19d-cfa87090234f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_5f676e22-3304-42fb-9ee0-a1e2a10e176c" xlink:to="loc_us-gaap_CommonStockMember_4922d22c-247a-4898-a19d-cfa87090234f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_57baac79-561b-4e6c-8b6a-98d9d2554ed3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_5f676e22-3304-42fb-9ee0-a1e2a10e176c" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_57baac79-561b-4e6c-8b6a-98d9d2554ed3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StockRepurchaseProgramAuthorizedAmount1_702b2240-1011-4503-b607-4aa373dbbf70" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_StockRepurchaseProgramAuthorizedAmount1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_srt_StockRepurchaseProgramAuthorizedAmount1_702b2240-1011-4503-b607-4aa373dbbf70" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_a6299f2b-6c49-4274-a139-cdd4af90c913" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_a6299f2b-6c49-4274-a139-cdd4af90c913" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_e27940b4-756a-46d9-984c-c5abb4336dc5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_e27940b4-756a-46d9-984c-c5abb4336dc5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_5b86da27-dc38-407a-9712-4dad36cc699d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_5b86da27-dc38-407a-9712-4dad36cc699d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased_51b06e10-fe25-47f7-9981-063e9a690947" xlink:href="slm-20241231.xsd#slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased_51b06e10-fe25-47f7-9981-063e9a690947" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredParValueMethod_fb614474-a695-4e00-8fc0-df0463fd245f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockValueAcquiredParValueMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredParValueMethod_fb614474-a695-4e00-8fc0-df0463fd245f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_74e117d9-e40e-426c-9ca3-f1cf5b114c07" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_74e117d9-e40e-426c-9ca3-f1cf5b114c07" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_e57dfaf7-89c8-48a8-be4e-5a219bdd2814" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_e57dfaf7-89c8-48a8-be4e-5a219bdd2814" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_f9b36e6f-1dd6-4fda-afec-94f2caad9ec3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_f9b36e6f-1dd6-4fda-afec-94f2caad9ec3" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharePrice_2ead6312-0603-4a26-8897-b146ae879c23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharePrice"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_SharePrice_2ead6312-0603-4a26-8897-b146ae879c23" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockholdersEquityScheduleofCommonShareRepurchasesDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_031bdc38-ce08-45bc-961d-2dabae265885" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_031bdc38-ce08-45bc-961d-2dabae265885" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramAxis_f5274083-417c-4b0d-9231-dfda79dd8216" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_031bdc38-ce08-45bc-961d-2dabae265885" xlink:to="loc_srt_ShareRepurchaseProgramAxis_f5274083-417c-4b0d-9231-dfda79dd8216" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramDomain_f5274083-417c-4b0d-9231-dfda79dd8216_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ShareRepurchaseProgramAxis_f5274083-417c-4b0d-9231-dfda79dd8216" xlink:to="loc_srt_ShareRepurchaseProgramDomain_f5274083-417c-4b0d-9231-dfda79dd8216_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramDomain_5903f9f6-2962-4951-a72f-1ffa8abfb89d" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ShareRepurchaseProgramAxis_f5274083-417c-4b0d-9231-dfda79dd8216" xlink:to="loc_srt_ShareRepurchaseProgramDomain_5903f9f6-2962-4951-a72f-1ffa8abfb89d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2022ShareRepurchaseProgramMember_9af5d7f5-6a70-4b44-bab1-83f66ce7a2f3" xlink:href="slm-20241231.xsd#slm_A2022ShareRepurchaseProgramMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ShareRepurchaseProgramDomain_5903f9f6-2962-4951-a72f-1ffa8abfb89d" xlink:to="loc_slm_A2022ShareRepurchaseProgramMember_9af5d7f5-6a70-4b44-bab1-83f66ce7a2f3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_7fb79f01-fb8c-4ac7-aa5f-321885962337" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_7fb79f01-fb8c-4ac7-aa5f-321885962337" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts_0385fac1-193c-4f29-9da7-d0bbb7439064" xlink:href="slm-20241231.xsd#slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts_0385fac1-193c-4f29-9da7-d0bbb7439064" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_0688f7c7-9da6-4cf2-90b2-7be6a221d90e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_0688f7c7-9da6-4cf2-90b2-7be6a221d90e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_7a849854-c72c-48f9-adc1-bc6ecc1305da" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_7a849854-c72c-48f9-adc1-bc6ecc1305da" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_0551f782-9394-4a52-a0a1-d4ea7448ec5c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_0551f782-9394-4a52-a0a1-d4ea7448ec5c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_eea0f400-d348-461f-9632-a0acd45da818" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_eea0f400-d348-461f-9632-a0acd45da818" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_43da53ad-5641-4a50-8aaa-2e6f69ceae7e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockSharesAcquired"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockBasedCompensationPlansandArrangementsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_73ad00d1-8cbd-4573-9b7f-35877e40383f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_73ad00d1-8cbd-4573-9b7f-35877e40383f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis_8e23a63e-faae-484c-87f8-5168beadf063" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PlanNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_73ad00d1-8cbd-4573-9b7f-35877e40383f" xlink:to="loc_us-gaap_PlanNameAxis_8e23a63e-faae-484c-87f8-5168beadf063" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_8e23a63e-faae-484c-87f8-5168beadf063_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PlanNameAxis_8e23a63e-faae-484c-87f8-5168beadf063" xlink:to="loc_us-gaap_PlanNameDomain_8e23a63e-faae-484c-87f8-5168beadf063_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_d565c78e-43be-4323-8432-43f958bee7de" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PlanNameAxis_8e23a63e-faae-484c-87f8-5168beadf063" xlink:to="loc_us-gaap_PlanNameDomain_d565c78e-43be-4323-8432-43f958bee7de" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2021OmnibusIncentivePlanMember_ddfaf323-f108-4cf5-8aee-f1fe8db4877b" xlink:href="slm-20241231.xsd#slm_A2021OmnibusIncentivePlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanNameDomain_d565c78e-43be-4323-8432-43f958bee7de" xlink:to="loc_slm_A2021OmnibusIncentivePlanMember_ddfaf323-f108-4cf5-8aee-f1fe8db4877b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_db35739c-ba83-48b3-b50e-312e60ca6dc6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_73ad00d1-8cbd-4573-9b7f-35877e40383f" xlink:to="loc_us-gaap_AwardTypeAxis_db35739c-ba83-48b3-b50e-312e60ca6dc6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_db35739c-ba83-48b3-b50e-312e60ca6dc6_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_db35739c-ba83-48b3-b50e-312e60ca6dc6" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_db35739c-ba83-48b3-b50e-312e60ca6dc6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_56359b68-6087-4b92-889d-d8ed8b45537c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_db35739c-ba83-48b3-b50e-312e60ca6dc6" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_56359b68-6087-4b92-889d-d8ed8b45537c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_EmployeeStockPurchasePlanMember_75660634-457c-406e-b633-55aa5c867a28" xlink:href="slm-20241231.xsd#slm_EmployeeStockPurchasePlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_56359b68-6087-4b92-889d-d8ed8b45537c" xlink:to="loc_slm_EmployeeStockPurchasePlanMember_75660634-457c-406e-b633-55aa5c867a28" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PerformanceVestingStockOptionsMember_12eb6331-453b-4159-ab7f-54cb92379015" xlink:href="slm-20241231.xsd#slm_PerformanceVestingStockOptionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_56359b68-6087-4b92-889d-d8ed8b45537c" xlink:to="loc_slm_PerformanceVestingStockOptionsMember_12eb6331-453b-4159-ab7f-54cb92379015" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_3ef7a571-1227-4713-a3ba-d58263bee600" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_56359b68-6087-4b92-889d-d8ed8b45537c" xlink:to="loc_us-gaap_RestrictedStockMember_3ef7a571-1227-4713-a3ba-d58263bee600" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_16509d3f-ba32-40a5-9a29-9c822962ae85" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_56359b68-6087-4b92-889d-d8ed8b45537c" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_16509d3f-ba32-40a5-9a29-9c822962ae85" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NumberofCompensationPlans_628cfe08-715b-4a6e-828e-3b7893e71231" xlink:href="slm-20241231.xsd#slm_NumberofCompensationPlans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_slm_NumberofCompensationPlans_628cfe08-715b-4a6e-828e-3b7893e71231" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_9d394f46-24b8-478b-be57-9a824aa0bb09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_9d394f46-24b8-478b-be57-9a824aa0bb09" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_4b635b77-6200-4416-9b74-31de1fbb3773" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensation_4b635b77-6200-4416-9b74-31de1fbb3773" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_44fe6a69-0e6c-499a-bd21-1dc1151a1359" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_44fe6a69-0e6c-499a-bd21-1dc1151a1359" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_a90b4ad8-e7f2-4f00-a7f9-a46531d66589" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_a90b4ad8-e7f2-4f00-a7f9-a46531d66589" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_b4d0dfda-632e-4bc8-94de-00c4eabd98c8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_b4d0dfda-632e-4bc8-94de-00c4eabd98c8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent_4d1df6af-d69f-49e5-ac45-4b67554e6e97" xlink:href="slm-20241231.xsd#slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent_4d1df6af-d69f-49e5-ac45-4b67554e6e97" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_f1b8e057-1574-49ca-ba1f-3ae30f9791a4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_f1b8e057-1574-49ca-ba1f-3ae30f9791a4" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_995adccc-3d58-43a2-9d0f-bd77704798d7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_995adccc-3d58-43a2-9d0f-bd77704798d7" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod_39c642b5-3e55-4d84-a008-4f876c6c825c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod_39c642b5-3e55-4d84-a008-4f876c6c825c" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OfferingPeriodOfEmployeeStockPurchasePlan_ee8dbdbe-0214-4bf1-96b9-4d9770fc4711" xlink:href="slm-20241231.xsd#slm_OfferingPeriodOfEmployeeStockPurchasePlan"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_slm_OfferingPeriodOfEmployeeStockPurchasePlan_ee8dbdbe-0214-4bf1-96b9-4d9770fc4711" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate_3f46db45-c93c-4fb3-adc4-740bd1210395" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate_3f46db45-c93c-4fb3-adc4-740bd1210395" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_MaximumContributionAmountPerEmployeeToEspp_f44d7d8f-a9a3-4780-9579-0ea70299b4c7" xlink:href="slm-20241231.xsd#slm_MaximumContributionAmountPerEmployeeToEspp"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_slm_MaximumContributionAmountPerEmployeeToEspp_f44d7d8f-a9a3-4780-9579-0ea70299b4c7" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_1254d658-506f-47d4-a1b5-aea4c659c981" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_1254d658-506f-47d4-a1b5-aea4c659c981" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward_f7756ddf-9d72-4130-9eab-8cca857743a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward_f7756ddf-9d72-4130-9eab-8cca857743a8" xlink:type="arc" order="14"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_c920b880-8756-4539-8b67-b177264b3e4e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_c920b880-8756-4539-8b67-b177264b3e4e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_3f400cf1-196b-4f82-85d0-19613d8d10d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_c920b880-8756-4539-8b67-b177264b3e4e" xlink:to="loc_us-gaap_AwardTypeAxis_3f400cf1-196b-4f82-85d0-19613d8d10d6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_3f400cf1-196b-4f82-85d0-19613d8d10d6_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_3f400cf1-196b-4f82-85d0-19613d8d10d6" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_3f400cf1-196b-4f82-85d0-19613d8d10d6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_9d012124-659e-43ae-9934-73c9d3f13a15" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_3f400cf1-196b-4f82-85d0-19613d8d10d6" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_9d012124-659e-43ae-9934-73c9d3f13a15" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_0b2dcf50-0b2b-4f84-a82d-439ce0469b83" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_9d012124-659e-43ae-9934-73c9d3f13a15" xlink:to="loc_us-gaap_RestrictedStockMember_0b2dcf50-0b2b-4f84-a82d-439ce0469b83" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember_c1ffbc7c-1c9d-4167-9323-85f131686c95" xlink:href="slm-20241231.xsd#slm_RestrictedStockUnitsAndPerformanceStockUnitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_9d012124-659e-43ae-9934-73c9d3f13a15" xlink:to="loc_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember_c1ffbc7c-1c9d-4167-9323-85f131686c95" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_99854e9a-96f3-4a33-944f-9e67c08cede0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_99854e9a-96f3-4a33-944f-9e67c08cede0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_4edcc6ee-0b14-48c1-8563-184e5f2ab772" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_4edcc6ee-0b14-48c1-8563-184e5f2ab772" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_c756d5e5-5dd1-449d-938c-6bf239893499" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_c756d5e5-5dd1-449d-938c-6bf239893499" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_19f68d20-911e-4ab8-9705-51ecfc7def26" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_19f68d20-911e-4ab8-9705-51ecfc7def26" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_1fd0585e-570a-40de-8c80-41c65285fb31" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_5332a113-70a4-4ca8-a43b-5f4f06565a6a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_5332a113-70a4-4ca8-a43b-5f4f06565a6a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_d587727c-d9a7-41dc-8111-db91b8be9332" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_d587727c-d9a7-41dc-8111-db91b8be9332" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_e5c03ccc-4eb5-4fdf-91ca-82d0cb94bfe1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_e5c03ccc-4eb5-4fdf-91ca-82d0cb94bfe1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue_cdcbf778-a9eb-4598-913f-1cb38b01aa1d" xlink:href="slm-20241231.xsd#slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:to="loc_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue_cdcbf778-a9eb-4598-913f-1cb38b01aa1d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_4cdf6197-fac4-4434-8da1-5a0e3ce38227" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue_ac469343-6aea-402f-b051-552f6c9be00d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue_ac469343-6aea-402f-b051-552f6c9be00d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock_7bd34404-d624-4f72-95cd-65896844b342" xlink:href="slm-20241231.xsd#slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock_7bd34404-d624-4f72-95cd-65896844b342" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_80ccb736-87d2-4136-8ef4-5cf7df779664" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_80ccb736-87d2-4136-8ef4-5cf7df779664" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_1a4273be-c570-413e-962b-7589719cb29e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_1a4273be-c570-413e-962b-7589719cb29e" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d6ebe6eb-6cb9-42d8-b077-38d95ef9ca70" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d6ebe6eb-6cb9-42d8-b077-38d95ef9ca70" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_0b8bdcb5-9335-4353-9f1f-7d4028199cee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d6ebe6eb-6cb9-42d8-b077-38d95ef9ca70" xlink:to="loc_us-gaap_AwardTypeAxis_0b8bdcb5-9335-4353-9f1f-7d4028199cee" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_0b8bdcb5-9335-4353-9f1f-7d4028199cee_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_0b8bdcb5-9335-4353-9f1f-7d4028199cee" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_0b8bdcb5-9335-4353-9f1f-7d4028199cee_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_cd7935bb-5da1-43ee-b1a5-5e7615fb2a64" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_0b8bdcb5-9335-4353-9f1f-7d4028199cee" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_cd7935bb-5da1-43ee-b1a5-5e7615fb2a64" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_EmployeeStockPurchasePlanMember_57bb76c1-0dc4-4e30-b2ff-48997bee00c2" xlink:href="slm-20241231.xsd#slm_EmployeeStockPurchasePlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_cd7935bb-5da1-43ee-b1a5-5e7615fb2a64" xlink:to="loc_slm_EmployeeStockPurchasePlanMember_57bb76c1-0dc4-4e30-b2ff-48997bee00c2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_50a7dee0-da3c-4169-b8f2-cae1bbbadb18" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_50a7dee0-da3c-4169-b8f2-cae1bbbadb18" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_3f4ab671-3da2-4965-91c4-4054bb586614" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_3f4ab671-3da2-4965-91c4-4054bb586614" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_6388a986-9fda-4326-af1b-f9eb6806948e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_6388a986-9fda-4326-af1b-f9eb6806948e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_59f54dad-ae12-4a36-a571-7e78c4e1f535" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_59f54dad-ae12-4a36-a571-7e78c4e1f535" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_744af47b-8a4a-4188-ace3-228800082625" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_744af47b-8a4a-4188-ace3-228800082625" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_0061f799-44ed-4d0a-8144-5173e1ad50fc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_ee792b67-0ff6-4007-8c8a-e92953e3a199" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_0061f799-44ed-4d0a-8144-5173e1ad50fc" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_ee792b67-0ff6-4007-8c8a-e92953e3a199" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_cd6cca28-6972-4414-af8d-34727e96d4e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_ee792b67-0ff6-4007-8c8a-e92953e3a199" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_cd6cca28-6972-4414-af8d-34727e96d4e2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_cd6cca28-6972-4414-af8d-34727e96d4e2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_cd6cca28-6972-4414-af8d-34727e96d4e2" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_cd6cca28-6972-4414-af8d-34727e96d4e2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_35582bbf-91a4-4688-a77c-7c8541d2ea48" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_cd6cca28-6972-4414-af8d-34727e96d4e2" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_35582bbf-91a4-4688-a77c-7c8541d2ea48" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_75514bfc-4452-4a67-b426-0dbe39d622a4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_35582bbf-91a4-4688-a77c-7c8541d2ea48" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_75514bfc-4452-4a67-b426-0dbe39d622a4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f450bdbe-97ef-4a62-b0da-585c0e36209d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_ee792b67-0ff6-4007-8c8a-e92953e3a199" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f450bdbe-97ef-4a62-b0da-585c0e36209d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f450bdbe-97ef-4a62-b0da-585c0e36209d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f450bdbe-97ef-4a62-b0da-585c0e36209d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f450bdbe-97ef-4a62-b0da-585c0e36209d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_90d00059-27e7-40be-b858-48799125af72" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f450bdbe-97ef-4a62-b0da-585c0e36209d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_90d00059-27e7-40be-b858-48799125af72" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_8bddc3df-75f4-4e00-8f40-04a71913e08c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_90d00059-27e7-40be-b858-48799125af72" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_8bddc3df-75f4-4e00-8f40-04a71913e08c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_2ce83cf3-d0c5-4ad0-bd97-0e0da697276c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_90d00059-27e7-40be-b858-48799125af72" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_2ce83cf3-d0c5-4ad0-bd97-0e0da697276c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_bc35c2e8-0208-418b-a917-b423e9b3e6a7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_90d00059-27e7-40be-b858-48799125af72" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_bc35c2e8-0208-418b-a917-b423e9b3e6a7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_0061f799-44ed-4d0a-8144-5173e1ad50fc" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_febf114a-00c2-4cb1-85ff-516463b03e5b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:to="loc_us-gaap_TradingSecuritiesDebt_febf114a-00c2-4cb1-85ff-516463b03e5b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_0431ad47-5e03-4333-9ec9-b569af893d61" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_0431ad47-5e03-4333-9ec9-b569af893d61" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_4ace653d-b6ad-47a2-a7ab-76a237df976a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:to="loc_us-gaap_DerivativeAssets_4ace653d-b6ad-47a2-a7ab-76a237df976a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_a24a290b-e9d2-42cd-ab85-936f50e241aa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:to="loc_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_a24a290b-e9d2-42cd-ab85-936f50e241aa" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_cda0a876-beca-44f0-8d73-9847abd84ef8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_cda0a876-beca-44f0-8d73-9847abd84ef8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_4d1fc43e-afab-4b31-8449-28e4ca5cc67c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_0061f799-44ed-4d0a-8144-5173e1ad50fc" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_4d1fc43e-afab-4b31-8449-28e4ca5cc67c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_b3b65fac-11a4-4a52-a38e-14b5bb87f3b6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_4d1fc43e-afab-4b31-8449-28e4ca5cc67c" xlink:to="loc_us-gaap_DerivativeLiabilities_b3b65fac-11a4-4a52-a38e-14b5bb87f3b6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_f104c4da-b4de-4cce-87c3-8c9078aa90e8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_4d1fc43e-afab-4b31-8449-28e4ca5cc67c" xlink:to="loc_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_f104c4da-b4de-4cce-87c3-8c9078aa90e8" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_aa5b3657-fcb6-43bb-8b51-3e62f2bf125d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_aa5b3657-fcb6-43bb-8b51-3e62f2bf125d" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_4f7f4dc0-f0ac-4f08-9fb9-dde8a0ea7bf1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_aa5b3657-fcb6-43bb-8b51-3e62f2bf125d" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_4f7f4dc0-f0ac-4f08-9fb9-dde8a0ea7bf1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_4f7f4dc0-f0ac-4f08-9fb9-dde8a0ea7bf1_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_4f7f4dc0-f0ac-4f08-9fb9-dde8a0ea7bf1" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_4f7f4dc0-f0ac-4f08-9fb9-dde8a0ea7bf1_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_aab11440-453e-4229-9254-bf40f685485f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_4f7f4dc0-f0ac-4f08-9fb9-dde8a0ea7bf1" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_aab11440-453e-4229-9254-bf40f685485f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_53c4f178-3c5f-41fd-9fce-39253f50d2f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_aab11440-453e-4229-9254-bf40f685485f" xlink:to="loc_us-gaap_DebtSecuritiesMember_53c4f178-3c5f-41fd-9fce-39253f50d2f9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedInterestMember_12c37642-4479-4300-bed7-f2966cafe2ae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedInterestMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_aab11440-453e-4229-9254-bf40f685485f" xlink:to="loc_us-gaap_RetainedInterestMember_12c37642-4479-4300-bed7-f2966cafe2ae" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_a4ad7a01-196a-4f48-a0c0-df37653c8995" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_aa5b3657-fcb6-43bb-8b51-3e62f2bf125d" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_a4ad7a01-196a-4f48-a0c0-df37653c8995" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_a4ad7a01-196a-4f48-a0c0-df37653c8995_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_a4ad7a01-196a-4f48-a0c0-df37653c8995" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_a4ad7a01-196a-4f48-a0c0-df37653c8995_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_1cb654e0-a093-4816-811a-91047d4ad8bd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_a4ad7a01-196a-4f48-a0c0-df37653c8995" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_1cb654e0-a093-4816-811a-91047d4ad8bd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeMember_2ebee772-ad9a-43d4-ac2c-51f55cd415fd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_1cb654e0-a093-4816-811a-91047d4ad8bd" xlink:to="loc_us-gaap_InterestIncomeMember_2ebee772-ad9a-43d4-ac2c-51f55cd415fd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnInvestmentsMember1_520c8eb9-860f-4b7b-ab45-6df1abe05091" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnInvestmentsMember1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_1cb654e0-a093-4816-811a-91047d4ad8bd" xlink:to="loc_us-gaap_GainLossOnInvestmentsMember1_520c8eb9-860f-4b7b-ab45-6df1abe05091" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_ac38a314-edff-415b-b40a-e1afdcf88310" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_ac38a314-edff-415b-b40a-e1afdcf88310" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_01a0cf46-36bc-4b3b-946e-e322c7b64fad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_01a0cf46-36bc-4b3b-946e-e322c7b64fad" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_f83eb971-7c47-4917-af40-3b3a781ed45b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_f83eb971-7c47-4917-af40-3b3a781ed45b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_0ecb74f2-d1e8-47e0-b0ad-472a0e1b5d24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_0ecb74f2-d1e8-47e0-b0ad-472a0e1b5d24" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_d6142cc1-d57f-4750-83a4-728b886bbfc8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_d6142cc1-d57f-4750-83a4-728b886bbfc8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_4ac08ea0-d1d9-4f41-9fd4-d38b3d436bad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_4ac08ea0-d1d9-4f41-9fd4-d38b3d436bad" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_523ced65-9b46-4698-b2a1-4123204153bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci_2c00628b-1c39-4979-853f-05a35e8c5113" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci_2c00628b-1c39-4979-853f-05a35e8c5113" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_ca2ff571-e666-42ad-815c-251335f085a6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_ca2ff571-e666-42ad-815c-251335f085a6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList_23df94c1-501d-4e87-9e5e-cfc75ea45239" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList_23df94c1-501d-4e87-9e5e-cfc75ea45239" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList_b2a59128-ad8f-4985-994e-29c18dc9c602" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList_b2a59128-ad8f-4985-994e-29c18dc9c602" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList_f6dd6756-54c8-4c80-95b9-391efa4d6a9e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList_f6dd6756-54c8-4c80-95b9-391efa4d6a9e" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_8caccaa0-6828-47dd-b00c-bdf2e895065f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_8caccaa0-6828-47dd-b00c-bdf2e895065f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_8caccaa0-6828-47dd-b00c-bdf2e895065f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_8caccaa0-6828-47dd-b00c-bdf2e895065f" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_8caccaa0-6828-47dd-b00c-bdf2e895065f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_7aefb65b-5022-4951-8ffa-6e3c4576a613" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_8caccaa0-6828-47dd-b00c-bdf2e895065f" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_7aefb65b-5022-4951-8ffa-6e3c4576a613" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_669c7b51-dd7b-419b-ac6d-3ea2a7bb3553" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_7aefb65b-5022-4951-8ffa-6e3c4576a613" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_669c7b51-dd7b-419b-ac6d-3ea2a7bb3553" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis_db1a62ba-1bcd-4ff3-9cfa-c7585efb5d42" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:to="loc_us-gaap_ValuationTechniqueAxis_db1a62ba-1bcd-4ff3-9cfa-c7585efb5d42" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_db1a62ba-1bcd-4ff3-9cfa-c7585efb5d42_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ValuationTechniqueAxis_db1a62ba-1bcd-4ff3-9cfa-c7585efb5d42" xlink:to="loc_us-gaap_ValuationTechniqueDomain_db1a62ba-1bcd-4ff3-9cfa-c7585efb5d42_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_d10ba6c3-ce56-43f4-ad84-83a682973091" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ValuationTechniqueAxis_db1a62ba-1bcd-4ff3-9cfa-c7585efb5d42" xlink:to="loc_us-gaap_ValuationTechniqueDomain_d10ba6c3-ce56-43f4-ad84-83a682973091" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_aa0518f9-54d5-4a99-b9aa-35b99d7c76d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueDiscountedCashFlowMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ValuationTechniqueDomain_d10ba6c3-ce56-43f4-ad84-83a682973091" xlink:to="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_aa0518f9-54d5-4a99-b9aa-35b99d7c76d6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_0ac23d12-089f-4c4c-9e32-16da9bd021d8" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:to="loc_srt_RangeAxis_0ac23d12-089f-4c4c-9e32-16da9bd021d8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_0ac23d12-089f-4c4c-9e32-16da9bd021d8_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_0ac23d12-089f-4c4c-9e32-16da9bd021d8" xlink:to="loc_srt_RangeMember_0ac23d12-089f-4c4c-9e32-16da9bd021d8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_efb11585-6bed-4fb6-8979-725c78553758" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_0ac23d12-089f-4c4c-9e32-16da9bd021d8" xlink:to="loc_srt_RangeMember_efb11585-6bed-4fb6-8979-725c78553758" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_219e37f5-599f-4655-bc95-71b4bfebc865" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_efb11585-6bed-4fb6-8979-725c78553758" xlink:to="loc_srt_MinimumMember_219e37f5-599f-4655-bc95-71b4bfebc865" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_2bd3f1ba-8bf4-4422-a047-590b84408304" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_efb11585-6bed-4fb6-8979-725c78553758" xlink:to="loc_srt_MaximumMember_2bd3f1ba-8bf4-4422-a047-590b84408304" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_820bfa7c-9c89-476f-a173-ed1b532a1bd0" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_WeightedAverageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_efb11585-6bed-4fb6-8979-725c78553758" xlink:to="loc_srt_WeightedAverageMember_820bfa7c-9c89-476f-a173-ed1b532a1bd0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_ff08e434-da91-4125-856b-0764b3ffe533" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_ff08e434-da91-4125-856b-0764b3ffe533" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_ff08e434-da91-4125-856b-0764b3ffe533_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_ff08e434-da91-4125-856b-0764b3ffe533" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_ff08e434-da91-4125-856b-0764b3ffe533_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_e03ea458-e849-4cfd-bae2-3419d0911a62" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_ff08e434-da91-4125-856b-0764b3ffe533" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_e03ea458-e849-4cfd-bae2-3419d0911a62" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputPrepaymentRateMember_a0277495-562d-4645-a4e6-7364a8a31cee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputPrepaymentRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_e03ea458-e849-4cfd-bae2-3419d0911a62" xlink:to="loc_us-gaap_MeasurementInputPrepaymentRateMember_a0277495-562d-4645-a4e6-7364a8a31cee" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDefaultRateMember_17178598-dc4e-4497-a19e-9e5631d8f0f6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputDefaultRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_e03ea458-e849-4cfd-bae2-3419d0911a62" xlink:to="loc_us-gaap_MeasurementInputDefaultRateMember_17178598-dc4e-4497-a19e-9e5631d8f0f6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_55b56f1b-42f8-440b-bbe5-c87da1ff604a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_55b56f1b-42f8-440b-bbe5-c87da1ff604a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_520e5ebd-06d8-4c64-9a0d-d022e4ab8888" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:to="loc_us-gaap_TradingSecuritiesDebt_520e5ebd-06d8-4c64-9a0d-d022e4ab8888" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_432c05f5-da07-4fc9-947d-c4e9109ba85c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_432c05f5-da07-4fc9-947d-c4e9109ba85c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput_74bc876c-8e64-4637-877d-41f635581bc2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput_74bc876c-8e64-4637-877d-41f635581bc2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesTradingMeasurementInput_cd7549ed-db60-4920-91b6-9b9d5762a632" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesTradingMeasurementInput"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:to="loc_us-gaap_DebtSecuritiesTradingMeasurementInput_cd7549ed-db60-4920-91b6-9b9d5762a632" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_0972e4a4-576a-4cf4-8e21-6bf4c8547851" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1da90b0e-cc39-40a8-9c89-f983443c16c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_0972e4a4-576a-4cf4-8e21-6bf4c8547851" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1da90b0e-cc39-40a8-9c89-f983443c16c1" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_9d75a9e0-08ae-4dc0-a62b-bae72d120b2f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1da90b0e-cc39-40a8-9c89-f983443c16c1" xlink:to="loc_us-gaap_FinancialInstrumentAxis_9d75a9e0-08ae-4dc0-a62b-bae72d120b2f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9d75a9e0-08ae-4dc0-a62b-bae72d120b2f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_9d75a9e0-08ae-4dc0-a62b-bae72d120b2f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9d75a9e0-08ae-4dc0-a62b-bae72d120b2f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2a4fe7a7-3751-487a-9f83-d1d43a46829b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_9d75a9e0-08ae-4dc0-a62b-bae72d120b2f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2a4fe7a7-3751-487a-9f83-d1d43a46829b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_21f8b882-8f22-4b1e-afbf-d1838da4d8cd" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2a4fe7a7-3751-487a-9f83-d1d43a46829b" xlink:to="loc_slm_PrivateEducationLoansMember_21f8b882-8f22-4b1e-afbf-d1838da4d8cd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_1576176a-f189-40b0-945f-b1d83d10ba24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2a4fe7a7-3751-487a-9f83-d1d43a46829b" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_1576176a-f189-40b0-945f-b1d83d10ba24" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_d19e9b05-ae04-4cad-a363-d4a3913ce37c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1da90b0e-cc39-40a8-9c89-f983443c16c1" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_d19e9b05-ae04-4cad-a363-d4a3913ce37c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_d19e9b05-ae04-4cad-a363-d4a3913ce37c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_d19e9b05-ae04-4cad-a363-d4a3913ce37c" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_d19e9b05-ae04-4cad-a363-d4a3913ce37c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_ffdcd780-f1bc-4294-910d-51a3fdbbd0b2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_d19e9b05-ae04-4cad-a363-d4a3913ce37c" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_ffdcd780-f1bc-4294-910d-51a3fdbbd0b2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_4fbbb065-e1da-47a2-84be-2d782b9cfd21" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_ffdcd780-f1bc-4294-910d-51a3fdbbd0b2" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_4fbbb065-e1da-47a2-84be-2d782b9cfd21" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_99f9e233-6690-4d73-a075-0d7392912633" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_4fbbb065-e1da-47a2-84be-2d782b9cfd21" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_99f9e233-6690-4d73-a075-0d7392912633" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_630c4f0a-4ab4-4e4a-994d-e8a776831518" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_4fbbb065-e1da-47a2-84be-2d782b9cfd21" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_630c4f0a-4ab4-4e4a-994d-e8a776831518" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_e6028900-7b9b-45fe-b868-f1f804850367" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1da90b0e-cc39-40a8-9c89-f983443c16c1" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_e6028900-7b9b-45fe-b868-f1f804850367" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_e6028900-7b9b-45fe-b868-f1f804850367_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_e6028900-7b9b-45fe-b868-f1f804850367" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_e6028900-7b9b-45fe-b868-f1f804850367_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_2ed63154-f784-4f31-96bb-86dc0dc42f76" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_e6028900-7b9b-45fe-b868-f1f804850367" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_2ed63154-f784-4f31-96bb-86dc0dc42f76" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_MoneyMarketandSavingsAccountsMember_db3a007e-c089-4ac8-8cde-642185bb426c" xlink:href="slm-20241231.xsd#slm_MoneyMarketandSavingsAccountsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_2ed63154-f784-4f31-96bb-86dc0dc42f76" xlink:to="loc_slm_MoneyMarketandSavingsAccountsMember_db3a007e-c089-4ac8-8cde-642185bb426c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CertificatesOfDepositMember_2e657958-3a7b-4899-89ec-ce6fd94613c9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CertificatesOfDepositMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_2ed63154-f784-4f31-96bb-86dc0dc42f76" xlink:to="loc_us-gaap_CertificatesOfDepositMember_2e657958-3a7b-4899-89ec-ce6fd94613c9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_0972e4a4-576a-4cf4-8e21-6bf4c8547851" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_3ac54b2a-28db-4148-a316-6f8440a7e523" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_3ac54b2a-28db-4148-a316-6f8440a7e523" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_fde4bb28-f960-4a54-a06e-e96cecaa49fb" xlink:href="slm-20241231.xsd#slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_fde4bb28-f960-4a54-a06e-e96cecaa49fb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_490ac800-afe0-48e4-94b9-3ac879836988" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_490ac800-afe0-48e4-94b9-3ac879836988" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_3823dcf6-e90a-494b-a0d6-615c128461cc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_us-gaap_TradingSecuritiesDebt_3823dcf6-e90a-494b-a0d6-615c128461cc" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsFairValueDisclosure_de397419-1fe8-4537-b24a-4da75fdaf96f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_us-gaap_InvestmentsFairValueDisclosure_de397419-1fe8-4537-b24a-4da75fdaf96f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableFairValueDisclosure_79b683f9-37e1-4ca5-bdcb-ab88e32db532" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_slm_AccruedInterestReceivableFairValueDisclosure_79b683f9-37e1-4ca5-bdcb-ab88e32db532" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableFairValueDisclosureDifference_578f262f-2943-4f18-997f-2140977733e2" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableFairValueDisclosureDifference"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_slm_AccruedInterestReceivableFairValueDisclosureDifference_578f262f-2943-4f18-997f-2140977733e2" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_3a1a5a2a-99e5-4054-82b1-3ca2f7eec2a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_us-gaap_DerivativeAssets_3a1a5a2a-99e5-4054-82b1-3ca2f7eec2a8" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_ae1b296e-c370-41da-b920-dc09a5fc3ec5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_ae1b296e-c370-41da-b920-dc09a5fc3ec5" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_8c7534ce-ce18-4786-9a35-8896d9c8b09d" xlink:href="slm-20241231.xsd#slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_8c7534ce-ce18-4786-9a35-8896d9c8b09d" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_0972e4a4-576a-4cf4-8e21-6bf4c8547851" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsFairValueDisclosure_d9a19617-b6fb-4a3b-a5ec-630ffe8b98b2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_us-gaap_DepositsFairValueDisclosure_d9a19617-b6fb-4a3b-a5ec-630ffe8b98b2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_08526542-81b4-4c61-b0da-f98bae15a955" xlink:href="slm-20241231.xsd#slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_08526542-81b4-4c61-b0da-f98bae15a955" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue_44193eb8-6290-4a9f-bf9e-a0c69840cd5d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_us-gaap_LongTermDebtFairValue_44193eb8-6290-4a9f-bf9e-a0c69840cd5d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue_3394d003-f017-4fc4-a240-00a9f433bbfc" xlink:href="slm-20241231.xsd#slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue_3394d003-f017-4fc4-a240-00a9f433bbfc" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesFairValueDisclosure_245b197d-cef8-41b3-8681-201eafdfddbc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedLiabilitiesFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_us-gaap_AccruedLiabilitiesFairValueDisclosure_245b197d-cef8-41b3-8681-201eafdfddbc" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_80804443-3081-42df-b41b-9689c0fdeaa7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_us-gaap_DerivativeLiabilities_80804443-3081-42df-b41b-9689c0fdeaa7" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_8eac60fa-814e-4ba0-8de6-6cff407855ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialLiabilitiesFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_8eac60fa-814e-4ba0-8de6-6cff407855ed" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_7271698f-b714-4609-a5de-77a8e12f3428" xlink:href="slm-20241231.xsd#slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_7271698f-b714-4609-a5de-77a8e12f3428" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ExcessOfNetAssetFairValueOverCarryingValue_7792ae90-43fb-4224-9557-dc334468f190" xlink:href="slm-20241231.xsd#slm_ExcessOfNetAssetFairValueOverCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_0972e4a4-576a-4cf4-8e21-6bf4c8547851" xlink:to="loc_slm_ExcessOfNetAssetFairValueOverCarryingValue_7792ae90-43fb-4224-9557-dc334468f190" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d40f13d2-83fb-47ac-95ed-41db80dd59c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_80e59702-7b1b-445e-a173-678f3a26cc86" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d40f13d2-83fb-47ac-95ed-41db80dd59c5" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_80e59702-7b1b-445e-a173-678f3a26cc86" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_79ddd320-7802-4f49-b5f8-8bf535963a5b" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_80e59702-7b1b-445e-a173-678f3a26cc86" xlink:to="loc_srt_RangeAxis_79ddd320-7802-4f49-b5f8-8bf535963a5b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_79ddd320-7802-4f49-b5f8-8bf535963a5b_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_79ddd320-7802-4f49-b5f8-8bf535963a5b" xlink:to="loc_srt_RangeMember_79ddd320-7802-4f49-b5f8-8bf535963a5b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_1789d747-1cbb-499d-bbfa-bfb14bd5d1df" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_79ddd320-7802-4f49-b5f8-8bf535963a5b" xlink:to="loc_srt_RangeMember_1789d747-1cbb-499d-bbfa-bfb14bd5d1df" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_e142e100-8366-4a90-807c-55020a2f9810" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_1789d747-1cbb-499d-bbfa-bfb14bd5d1df" xlink:to="loc_srt_MinimumMember_e142e100-8366-4a90-807c-55020a2f9810" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_f9ea4fb4-863c-4881-802a-beb8fed7edc4" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_1789d747-1cbb-499d-bbfa-bfb14bd5d1df" xlink:to="loc_srt_MaximumMember_f9ea4fb4-863c-4881-802a-beb8fed7edc4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_d42a0e21-39de-4d67-8c84-3f8f1c6445ba" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_WeightedAverageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_1789d747-1cbb-499d-bbfa-bfb14bd5d1df" xlink:to="loc_srt_WeightedAverageMember_d42a0e21-39de-4d67-8c84-3f8f1c6445ba" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f6c43e89-a3ce-47e5-ac3a-9e3254b64c50" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_80e59702-7b1b-445e-a173-678f3a26cc86" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f6c43e89-a3ce-47e5-ac3a-9e3254b64c50" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f6c43e89-a3ce-47e5-ac3a-9e3254b64c50_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f6c43e89-a3ce-47e5-ac3a-9e3254b64c50" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f6c43e89-a3ce-47e5-ac3a-9e3254b64c50_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_4d95de84-af30-4317-b015-66de13d9174f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f6c43e89-a3ce-47e5-ac3a-9e3254b64c50" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_4d95de84-af30-4317-b015-66de13d9174f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_537527c3-4ae5-4957-abec-8554e6f26b36" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_4d95de84-af30-4317-b015-66de13d9174f" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_537527c3-4ae5-4957-abec-8554e6f26b36" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_b309c2dc-de82-4c40-b21d-7f4db465b54a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_80e59702-7b1b-445e-a173-678f3a26cc86" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_b309c2dc-de82-4c40-b21d-7f4db465b54a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_b309c2dc-de82-4c40-b21d-7f4db465b54a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_b309c2dc-de82-4c40-b21d-7f4db465b54a" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_b309c2dc-de82-4c40-b21d-7f4db465b54a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_69952ae9-85b4-4c18-9d38-90860ad3cac9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_b309c2dc-de82-4c40-b21d-7f4db465b54a" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_69952ae9-85b4-4c18-9d38-90860ad3cac9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDefaultRateMember_1a7a935b-9e9b-47f6-9ee6-983e0ef30bc5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputDefaultRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_69952ae9-85b4-4c18-9d38-90860ad3cac9" xlink:to="loc_us-gaap_MeasurementInputDefaultRateMember_1a7a935b-9e9b-47f6-9ee6-983e0ef30bc5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_6a5c0120-dc11-47c8-89da-f22a380688c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d40f13d2-83fb-47ac-95ed-41db80dd59c5" xlink:to="loc_us-gaap_TradingSecuritiesDebt_6a5c0120-dc11-47c8-89da-f22a380688c1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_VerticalRiskRetentionPercentage_754ba286-7456-4b66-98d8-014e9fd847b2" xlink:href="slm-20241231.xsd#slm_VerticalRiskRetentionPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d40f13d2-83fb-47ac-95ed-41db80dd59c5" xlink:to="loc_slm_VerticalRiskRetentionPercentage_754ba286-7456-4b66-98d8-014e9fd847b2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_f2d1c1da-014a-44e9-98c4-85546b5b16a3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d40f13d2-83fb-47ac-95ed-41db80dd59c5" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_f2d1c1da-014a-44e9-98c4-85546b5b16a3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesTradingMeasurementInput_4ab3d8e3-bb43-49fb-b384-364f86cbafb4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesTradingMeasurementInput"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d40f13d2-83fb-47ac-95ed-41db80dd59c5" xlink:to="loc_us-gaap_DebtSecuritiesTradingMeasurementInput_4ab3d8e3-bb43-49fb-b384-364f86cbafb4" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#RegulatoryCapitalNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_3c4673f9-b4e6-4be4-894a-de0b888c33ae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_3c4673f9-b4e6-4be4-894a-de0b888c33ae" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_d0726649-7d67-455a-b2d9-3bb5fd759122" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_3c4673f9-b4e6-4be4-894a-de0b888c33ae" xlink:to="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_d0726649-7d67-455a-b2d9-3bb5fd759122" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TypeOfAdoptionMember_d0726649-7d67-455a-b2d9-3bb5fd759122_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TypeOfAdoptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_d0726649-7d67-455a-b2d9-3bb5fd759122" xlink:to="loc_us-gaap_TypeOfAdoptionMember_d0726649-7d67-455a-b2d9-3bb5fd759122_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TypeOfAdoptionMember_6d9ee31b-dd77-4c19-8fa8-fcac450d5836" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TypeOfAdoptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_d0726649-7d67-455a-b2d9-3bb5fd759122" xlink:to="loc_us-gaap_TypeOfAdoptionMember_6d9ee31b-dd77-4c19-8fa8-fcac450d5836" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingStandardsUpdate201613Member_205c56ee-7199-493c-85b2-210deee4feae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingStandardsUpdate201613Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TypeOfAdoptionMember_6d9ee31b-dd77-4c19-8fa8-fcac450d5836" xlink:to="loc_us-gaap_AccountingStandardsUpdate201613Member_205c56ee-7199-493c-85b2-210deee4feae" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements_9be495ba-d05e-45ff-ae22-df04a68d10fc" xlink:href="slm-20241231.xsd#slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements_9be495ba-d05e-45ff-ae22-df04a68d10fc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred_e398ab45-95d4-4992-9d0a-cdf29a64b770" xlink:href="slm-20241231.xsd#slm_AdoptionOfNewAccountingPronouncementsPercentDeferred"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred_e398ab45-95d4-4992-9d0a-cdf29a64b770" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_3a2ac538-d6e6-4421-9147-1a6bfde9747c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_3a2ac538-d6e6-4421-9147-1a6bfde9747c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_35bf2a7f-3a40-4faa-8160-51bf3673471b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_35bf2a7f-3a40-4faa-8160-51bf3673471b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_607910fd-0255-4a63-a4af-01e5f10867e3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_607910fd-0255-4a63-a4af-01e5f10867e3" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod_20f068ac-e5eb-42ce-a197-3d698fb7f49c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod_20f068ac-e5eb-42ce-a197-3d698fb7f49c" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss_8d7c6b0d-bd87-44ce-9210-3d88e8fe848f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss_8d7c6b0d-bd87-44ce-9210-3d88e8fe848f" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_c89a51b9-f459-4b83-9daf-68ff93468a06" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_c89a51b9-f459-4b83-9daf-68ff93468a06" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Dividends_ac6f959c-ae77-4fa8-a999-ad6de5f9f421" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Dividends"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_Dividends_ac6f959c-ae77-4fa8-a999-ad6de5f9f421" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#RegulatoryCapitalAdjustedTransitionAmountsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_cca34387-3b65-4004-9bc9-bdc0c5a3b3bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_729c9fbd-698f-405d-be49-6b8046f31582" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_cca34387-3b65-4004-9bc9-bdc0c5a3b3bf" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_729c9fbd-698f-405d-be49-6b8046f31582" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_201398bb-cf8b-41ce-87ff-6ec5e35fa09b" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CumulativeEffectPeriodOfAdoptionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_729c9fbd-698f-405d-be49-6b8046f31582" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_201398bb-cf8b-41ce-87ff-6ec5e35fa09b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_201398bb-cf8b-41ce-87ff-6ec5e35fa09b_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CumulativeEffectPeriodOfAdoptionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_201398bb-cf8b-41ce-87ff-6ec5e35fa09b" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_201398bb-cf8b-41ce-87ff-6ec5e35fa09b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_b2fbac51-d6ac-4297-bf04-7b5696bd11a4" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CumulativeEffectPeriodOfAdoptionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_201398bb-cf8b-41ce-87ff-6ec5e35fa09b" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_b2fbac51-d6ac-4297-bf04-7b5696bd11a4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember_3d5b5a66-2598-49d5-ac29-18a1029cafc5" xlink:href="slm-20241231.xsd#slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_b2fbac51-d6ac-4297-bf04-7b5696bd11a4" xlink:to="loc_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember_3d5b5a66-2598-49d5-ac29-18a1029cafc5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_082c3ff3-6424-462d-bcea-6e089b66ee6a" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_b2fbac51-d6ac-4297-bf04-7b5696bd11a4" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_082c3ff3-6424-462d-bcea-6e089b66ee6a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_f6ac6e00-25f9-4bb8-b9bc-ecbedf29635c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_cca34387-3b65-4004-9bc9-bdc0c5a3b3bf" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_f6ac6e00-25f9-4bb8-b9bc-ecbedf29635c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_b295700b-202a-4ecc-b12c-ec5a3bf7aa87" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_cca34387-3b65-4004-9bc9-bdc0c5a3b3bf" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_b295700b-202a-4ecc-b12c-ec5a3bf7aa87" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_1973ff8f-c8ff-4cd0-a88d-b6af0c6150cf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_cca34387-3b65-4004-9bc9-bdc0c5a3b3bf" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_1973ff8f-c8ff-4cd0-a88d-b6af0c6150cf" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_96ffa74d-a929-4b7a-bc0b-930c0222aeee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_cca34387-3b65-4004-9bc9-bdc0c5a3b3bf" xlink:to="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_96ffa74d-a929-4b7a-bc0b-930c0222aeee" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DefinedContributionPlansDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DefinedContributionPlansDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/DefinedContributionPlansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanDisclosureLineItems_e25de88f-3aa0-49ca-a2ed-43fe55476da8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DefinedContributionPlanDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanTable_43517fd7-1602-4712-a442-275b4149a471" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DefinedContributionPlanTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DefinedContributionPlanDisclosureLineItems_e25de88f-3aa0-49ca-a2ed-43fe55476da8" xlink:to="loc_us-gaap_DefinedContributionPlanTable_43517fd7-1602-4712-a442-275b4149a471" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameAxis_7b672d8f-0413-4c3d-90ba-365ee2c5029b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetirementPlanNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DefinedContributionPlanTable_43517fd7-1602-4712-a442-275b4149a471" xlink:to="loc_us-gaap_RetirementPlanNameAxis_7b672d8f-0413-4c3d-90ba-365ee2c5029b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameDomain_7b672d8f-0413-4c3d-90ba-365ee2c5029b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetirementPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RetirementPlanNameAxis_7b672d8f-0413-4c3d-90ba-365ee2c5029b" xlink:to="loc_us-gaap_RetirementPlanNameDomain_7b672d8f-0413-4c3d-90ba-365ee2c5029b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameDomain_89abcdf3-3cd3-48a3-bd94-0f2635e88537" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetirementPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RetirementPlanNameAxis_7b672d8f-0413-4c3d-90ba-365ee2c5029b" xlink:to="loc_us-gaap_RetirementPlanNameDomain_89abcdf3-3cd3-48a3-bd94-0f2635e88537" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SallieMae401kSavingsPlanMember_9dc29d4b-9cc2-4995-8a6f-2389587f64a1" xlink:href="slm-20241231.xsd#slm_SallieMae401kSavingsPlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanNameDomain_89abcdf3-3cd3-48a3-bd94-0f2635e88537" xlink:to="loc_slm_SallieMae401kSavingsPlanMember_9dc29d4b-9cc2-4995-8a6f-2389587f64a1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_de995840-4cbc-44a6-818d-1287ca17c5e9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedContributionPlanDisclosureLineItems_e25de88f-3aa0-49ca-a2ed-43fe55476da8" xlink:to="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_de995840-4cbc-44a6-818d-1287ca17c5e9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Type1ofDefinedContributionPlan_31a1e195-31aa-4f1c-b869-1d9742e17baa" xlink:href="slm-20241231.xsd#slm_Type1ofDefinedContributionPlan"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedContributionPlanDisclosureLineItems_e25de88f-3aa0-49ca-a2ed-43fe55476da8" xlink:to="loc_slm_Type1ofDefinedContributionPlan_31a1e195-31aa-4f1c-b869-1d9742e17baa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount_e00bbadc-cff6-4fa7-80a1-df0a61a06623" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedContributionPlanDisclosureLineItems_e25de88f-3aa0-49ca-a2ed-43fe55476da8" xlink:to="loc_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount_e00bbadc-cff6-4fa7-80a1-df0a61a06623" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/IncomeTaxesNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#IncomeTaxesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/IncomeTaxesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable_3142028f-03b5-40ba-86e2-a0cd5c7b7df3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable_3142028f-03b5-40ba-86e2-a0cd5c7b7df3" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_b436e640-862f-4ed8-bd90-3637c0033328" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable_3142028f-03b5-40ba-86e2-a0cd5c7b7df3" xlink:to="loc_srt_RangeAxis_b436e640-862f-4ed8-bd90-3637c0033328" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_b436e640-862f-4ed8-bd90-3637c0033328_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_b436e640-862f-4ed8-bd90-3637c0033328" xlink:to="loc_srt_RangeMember_b436e640-862f-4ed8-bd90-3637c0033328_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_1032d3e6-fecd-4f70-80b1-aacca7cf8858" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_b436e640-862f-4ed8-bd90-3637c0033328" xlink:to="loc_srt_RangeMember_1032d3e6-fecd-4f70-80b1-aacca7cf8858" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_7ff4e1cb-7dcc-4a2a-ae1d-ac8bb354c48d" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_1032d3e6-fecd-4f70-80b1-aacca7cf8858" xlink:to="loc_srt_MinimumMember_7ff4e1cb-7dcc-4a2a-ae1d-ac8bb354c48d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_9b93309e-3fa2-4fc1-bf32-d06cd1f7b362" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_1032d3e6-fecd-4f70-80b1-aacca7cf8858" xlink:to="loc_srt_MaximumMember_9b93309e-3fa2-4fc1-bf32-d06cd1f7b362" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_4765b894-784a-48a1-a133-465af06f2377" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_4765b894-784a-48a1-a133-465af06f2377" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLossCarryforwardsValuationAllowance_6e3c05ba-87d9-463d-adde-5a36cb9c533d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingLossCarryforwardsValuationAllowance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_OperatingLossCarryforwardsValuationAllowance_6e3c05ba-87d9-463d-adde-5a36cb9c533d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount_f8b014a2-23d3-46ee-9a8f-43b4f000a19a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount_f8b014a2-23d3-46ee-9a8f-43b4f000a19a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OperatingLossCarryforwardsCapitalLoss_c4a732ff-dd6c-4128-badc-1abf0a482e3b" xlink:href="slm-20241231.xsd#slm_OperatingLossCarryforwardsCapitalLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_slm_OperatingLossCarryforwardsCapitalLoss_c4a732ff-dd6c-4128-badc-1abf0a482e3b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CapitalLossValuationAllowance_5051bd75-39a0-44c5-9223-f4dbeb62f4d5" xlink:href="slm-20241231.xsd#slm_CapitalLossValuationAllowance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_slm_CapitalLossValuationAllowance_5051bd75-39a0-44c5-9223-f4dbeb62f4d5" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits_c0885029-164d-4884-9a03-95e5f4a8ea5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_UnrecognizedTaxBenefits_c0885029-164d-4884-9a03-95e5f4a8ea5e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate_4d3dab18-0985-4be0-a0ee-6bee11b14a16" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate_4d3dab18-0985-4be0-a0ee-6bee11b14a16" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued_5f112139-cd13-42a3-b85e-484a8e4c8253" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued_5f112139-cd13-42a3-b85e-484a8e4c8253" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense_e99a18aa-864e-4d24-8c0f-f7175644614d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense_e99a18aa-864e-4d24-8c0f-f7175644614d" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CombinationOfSubsidiariesTaxYears_3e4e3f0b-a24f-4c40-80cf-bb6ec5253ca7" xlink:href="slm-20241231.xsd#slm_CombinationOfSubsidiariesTaxYears"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_slm_CombinationOfSubsidiariesTaxYears_3e4e3f0b-a24f-4c40-80cf-bb6ec5253ca7" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible_18d162f0-e0c6-4748-8c16-b8ba4b3145cb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible_18d162f0-e0c6-4748-8c16-b8ba4b3145cb" xlink:type="arc" order="10"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#ParentOnlyStatementsBalanceSheetsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedBalanceSheetStatementsCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementTable_1bd74ed1-e3a5-4811-8081-8f7c711cfe9e" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedBalanceSheetStatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_srt_CondensedBalanceSheetStatementTable_1bd74ed1-e3a5-4811-8081-8f7c711cfe9e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_413450b1-281a-44b4-a27e-7324d7fabc9c" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_srt_CondensedBalanceSheetStatementTable_1bd74ed1-e3a5-4811-8081-8f7c711cfe9e" xlink:to="loc_srt_ConsolidatedEntitiesAxis_413450b1-281a-44b4-a27e-7324d7fabc9c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_413450b1-281a-44b4-a27e-7324d7fabc9c_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_413450b1-281a-44b4-a27e-7324d7fabc9c" xlink:to="loc_srt_ConsolidatedEntitiesDomain_413450b1-281a-44b4-a27e-7324d7fabc9c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_ee98d905-339e-457a-a6cb-14c6b5d02366" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_413450b1-281a-44b4-a27e-7324d7fabc9c" xlink:to="loc_srt_ConsolidatedEntitiesDomain_ee98d905-339e-457a-a6cb-14c6b5d02366" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_2d279c3e-681c-4db9-892a-98746a4575fe" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ParentCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_ee98d905-339e-457a-a6cb-14c6b5d02366" xlink:to="loc_srt_ParentCompanyMember_2d279c3e-681c-4db9-892a-98746a4575fe" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_a3b7d2a3-3694-4182-a650-5af7587fa9c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_srt_CondensedBalanceSheetStatementTable_1bd74ed1-e3a5-4811-8081-8f7c711cfe9e" xlink:to="loc_us-gaap_StatementClassOfStockAxis_a3b7d2a3-3694-4182-a650-5af7587fa9c2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_a3b7d2a3-3694-4182-a650-5af7587fa9c2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_a3b7d2a3-3694-4182-a650-5af7587fa9c2" xlink:to="loc_us-gaap_ClassOfStockDomain_a3b7d2a3-3694-4182-a650-5af7587fa9c2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_776f12b3-89f1-4efb-a0c6-bc9f423733e1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_a3b7d2a3-3694-4182-a650-5af7587fa9c2" xlink:to="loc_us-gaap_ClassOfStockDomain_776f12b3-89f1-4efb-a0c6-bc9f423733e1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember_c30d66c7-c930-47dd-ba13-adb07899f472" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_776f12b3-89f1-4efb-a0c6-bc9f423733e1" xlink:to="loc_us-gaap_SeriesBPreferredStockMember_c30d66c7-c930-47dd-ba13-adb07899f472" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_66853759-0e00-48ea-90e5-3508c4bedae9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_66853759-0e00-48ea-90e5-3508c4bedae9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InvestmentinSubsidiary_449f778c-08db-46e7-bc10-86e90add97d2" xlink:href="slm-20241231.xsd#slm_InvestmentinSubsidiary"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:to="loc_slm_InvestmentinSubsidiary_449f778c-08db-46e7-bc10-86e90add97d2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DuefromSubsidiaresNet_fab1a3ab-f2ce-4466-bc4a-7351f0ecedf7" xlink:href="slm-20241231.xsd#slm_DuefromSubsidiaresNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:to="loc_slm_DuefromSubsidiaresNet_fab1a3ab-f2ce-4466-bc4a-7351f0ecedf7" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_2efcc485-7dd1-429a-8eb1-ad0e2da45670" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:to="loc_us-gaap_OtherAssets_2efcc485-7dd1-429a-8eb1-ad0e2da45670" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_3b1bc32d-0c83-4a14-a6f1-324a01f31873" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:to="loc_us-gaap_Assets_3b1bc32d-0c83-4a14-a6f1-324a01f31873" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_5d4c7fcb-7d14-4a91-94f1-287150f72fe4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_5d4c7fcb-7d14-4a91-94f1-287150f72fe4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract_72b50abc-cd22-4b8b-9609-b1df0a544187" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_5d4c7fcb-7d14-4a91-94f1-287150f72fe4" xlink:to="loc_us-gaap_LiabilitiesAbstract_72b50abc-cd22-4b8b-9609-b1df0a544187" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_4299c2b9-d278-4f3d-ad56-d6c24427c95a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAbstract_72b50abc-cd22-4b8b-9609-b1df0a544187" xlink:to="loc_us-gaap_LongTermDebt_4299c2b9-d278-4f3d-ad56-d6c24427c95a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TaxesPayableCurrentAndNoncurrent_c8f2062a-95de-4095-b63c-ee1bb84172c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TaxesPayableCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAbstract_72b50abc-cd22-4b8b-9609-b1df0a544187" xlink:to="loc_us-gaap_TaxesPayableCurrentAndNoncurrent_c8f2062a-95de-4095-b63c-ee1bb84172c2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_ada108bd-641d-4969-bef4-b05b49b88b07" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAbstract_72b50abc-cd22-4b8b-9609-b1df0a544187" xlink:to="loc_us-gaap_OtherLiabilities_ada108bd-641d-4969-bef4-b05b49b88b07" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_b3e617d9-145b-479a-95c0-f83cad0b8ea1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAbstract_72b50abc-cd22-4b8b-9609-b1df0a544187" xlink:to="loc_us-gaap_Liabilities_b3e617d9-145b-479a-95c0-f83cad0b8ea1" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_5d4c7fcb-7d14-4a91-94f1-287150f72fe4" xlink:to="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_9d797533-25e8-449a-86ce-b020271e6400" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_PreferredStockValue_9d797533-25e8-449a-86ce-b020271e6400" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_32ddcfd9-bca6-4597-b2ad-be156df59ec5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_CommonStockValue_32ddcfd9-bca6-4597-b2ad-be156df59ec5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_b5832009-82cb-4b47-9be2-435e1f43208f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_AdditionalPaidInCapital_b5832009-82cb-4b47-9be2-435e1f43208f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_1f9a7b4d-477d-49bf-92ed-9158dc74fc0f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_1f9a7b4d-477d-49bf-92ed-9158dc74fc0f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_3d939b07-6785-4080-929b-0c892a98ae74" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_3d939b07-6785-4080-929b-0c892a98ae74" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_04f26a65-c78c-4d32-8e0c-9da5a5c50714" xlink:href="slm-20241231.xsd#slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_04f26a65-c78c-4d32-8e0c-9da5a5c50714" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_b5e7f22a-e153-4e06-8055-a0d887386ea7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_TreasuryStockCommonValue_b5e7f22a-e153-4e06-8055-a0d887386ea7" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_1b878e99-29e6-4d64-be07-aa95d3abab08" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_1b878e99-29e6-4d64-be07-aa95d3abab08" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_836343bb-ebc0-44c2-8768-b83ae0ed0e97" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_5d4c7fcb-7d14-4a91-94f1-287150f72fe4" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_836343bb-ebc0-44c2-8768-b83ae0ed0e97" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_7964268e-3b41-448e-a639-bb699f2271b1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_7964268e-3b41-448e-a639-bb699f2271b1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_a9307283-ab34-432d-9f46-c34c0e457719" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_a9307283-ab34-432d-9f46-c34c0e457719" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_bfcefe32-0129-40f4-a916-e4b2e2c2947b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_PreferredStockSharesIssued_bfcefe32-0129-40f4-a916-e4b2e2c2947b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_b727149e-73be-4a5f-ae88-171c1b772709" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_b727149e-73be-4a5f-ae88-171c1b772709" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_895411d3-b628-4fae-b26a-66a9ed2d9cb8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_895411d3-b628-4fae-b26a-66a9ed2d9cb8" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_2c3acfce-a6d4-4e94-87c1-3b8b83d2451b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_2c3acfce-a6d4-4e94-87c1-3b8b83d2451b" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_e9798e59-fb47-44fc-a236-dcd12d7f97c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_CommonStockSharesIssued_e9798e59-fb47-44fc-a236-dcd12d7f97c5" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociTaxAttributableToParent_4d201b5c-5daa-424e-aa7a-f9f37913a629" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AociTaxAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_AociTaxAttributableToParent_4d201b5c-5daa-424e-aa7a-f9f37913a629" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_d45b4139-5c08-4e06-bcc4-4c2b80c66493" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_TreasuryStockCommonShares_d45b4139-5c08-4e06-bcc4-4c2b80c66493" xlink:type="arc" order="10"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#ParentOnlyStatementsStatementsofIncomeDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedIncomeStatementsCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementTable_b9a365c0-33b9-450b-a236-bd49b70b2223" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedIncomeStatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_srt_CondensedIncomeStatementTable_b9a365c0-33b9-450b-a236-bd49b70b2223" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_f38e48a3-ca1f-47de-a583-d632cdb3dfef" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_srt_CondensedIncomeStatementTable_b9a365c0-33b9-450b-a236-bd49b70b2223" xlink:to="loc_srt_ConsolidatedEntitiesAxis_f38e48a3-ca1f-47de-a583-d632cdb3dfef" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_f38e48a3-ca1f-47de-a583-d632cdb3dfef_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_f38e48a3-ca1f-47de-a583-d632cdb3dfef" xlink:to="loc_srt_ConsolidatedEntitiesDomain_f38e48a3-ca1f-47de-a583-d632cdb3dfef_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_51b48a67-a4fb-497f-ab66-f9bc11766ae7" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_f38e48a3-ca1f-47de-a583-d632cdb3dfef" xlink:to="loc_srt_ConsolidatedEntitiesDomain_51b48a67-a4fb-497f-ab66-f9bc11766ae7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_fc39fff6-4697-4ea2-8a10-c3ac59cfc4fb" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ParentCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_51b48a67-a4fb-497f-ab66-f9bc11766ae7" xlink:to="loc_srt_ParentCompanyMember_fc39fff6-4697-4ea2-8a10-c3ac59cfc4fb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_d7043ac3-193e-4f88-93e0-ad5bf031196c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_d7043ac3-193e-4f88-93e0-ad5bf031196c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_e976b474-6ed2-4924-a158-a59feb507a4b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_InterestExpenseOperating_e976b474-6ed2-4924-a158-a59feb507a4b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_d82f497a-29b6-4373-8967-5acc989a06d9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_d82f497a-29b6-4373-8967-5acc989a06d9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NonInterestIncomeLoss_17917d7e-299e-4a26-b0d2-c7124e712e4c" xlink:href="slm-20241231.xsd#slm_NonInterestIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_slm_NonInterestIncomeLoss_17917d7e-299e-4a26-b0d2-c7124e712e4c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_4abe3f70-95a4-46e0-804c-4ae4fd07efed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_NoninterestExpense_4abe3f70-95a4-46e0-804c-4ae4fd07efed" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_e5845459-81b5-469d-b147-cb20008385e0" xlink:href="slm-20241231.xsd#slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_e5845459-81b5-469d-b147-cb20008385e0" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_2221c32a-7ffb-43c2-9bd5-62b941c3caac" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_2221c32a-7ffb-43c2-9bd5-62b941c3caac" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_ffe67802-b931-4e00-956d-57901053fc3c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_ffe67802-b931-4e00-956d-57901053fc3c" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_abfd86cd-7b05-4a01-97e2-85de0424be19" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_ProfitLoss_abfd86cd-7b05-4a01-97e2-85de0424be19" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_2331c86c-0923-4706-b62c-d4091576df0b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_2331c86c-0923-4706-b62c-d4091576df0b" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_22053e27-bd7f-4fbc-8f7b-62f3faef4b5d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_22053e27-bd7f-4fbc-8f7b-62f3faef4b5d" xlink:type="arc" order="10"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#ParentOnlyStatementsStatementsofCashFlowsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedFinancialStatementsCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedFinancialStatementsTable_23dd9960-60de-4472-8cc4-0d8c994ebf28" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ScheduleOfCondensedFinancialStatementsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:to="loc_srt_ScheduleOfCondensedFinancialStatementsTable_23dd9960-60de-4472-8cc4-0d8c994ebf28" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_ebe0ec6d-2cf0-412f-97d3-66a8613fdd5d" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_srt_ScheduleOfCondensedFinancialStatementsTable_23dd9960-60de-4472-8cc4-0d8c994ebf28" xlink:to="loc_srt_ConsolidatedEntitiesAxis_ebe0ec6d-2cf0-412f-97d3-66a8613fdd5d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_ebe0ec6d-2cf0-412f-97d3-66a8613fdd5d_default" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_ebe0ec6d-2cf0-412f-97d3-66a8613fdd5d" xlink:to="loc_srt_ConsolidatedEntitiesDomain_ebe0ec6d-2cf0-412f-97d3-66a8613fdd5d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_4a664dd0-8cec-43fe-af4f-0f0e9eacc115" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_ebe0ec6d-2cf0-412f-97d3-66a8613fdd5d" xlink:to="loc_srt_ConsolidatedEntitiesDomain_4a664dd0-8cec-43fe-af4f-0f0e9eacc115" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_3f2d2b35-7604-4101-809c-38554d04e83a" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ParentCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_4a664dd0-8cec-43fe-af4f-0f0e9eacc115" xlink:to="loc_srt_ParentCompanyMember_3f2d2b35-7604-4101-809c-38554d04e83a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f19ac71d-649e-4eb4-be3a-55bcea57949f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f19ac71d-649e-4eb4-be3a-55bcea57949f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_14a7dac6-ddad-4b0e-818f-5b985ef2310a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f19ac71d-649e-4eb4-be3a-55bcea57949f" xlink:to="loc_us-gaap_ProfitLoss_14a7dac6-ddad-4b0e-818f-5b985ef2310a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f19ac71d-649e-4eb4-be3a-55bcea57949f" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Undistributedearningsofsubsidiaries_f06d0979-e354-4444-99c5-c61130a79561" xlink:href="slm-20241231.xsd#slm_Undistributedearningsofsubsidiaries"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_slm_Undistributedearningsofsubsidiaries_f06d0979-e354-4444-99c5-c61130a79561" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromDividendsReceived_0a5feb7c-6570-4c2b-a6cc-9ae96b37ca76" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromDividendsReceived"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_ProceedsFromDividendsReceived_0a5feb7c-6570-4c2b-a6cc-9ae96b37ca76" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestIncomeonTaxIndemnificationReceivable_31855118-451b-4547-a91d-2d0351702956" xlink:href="slm-20241231.xsd#slm_InterestIncomeonTaxIndemnificationReceivable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_slm_InterestIncomeonTaxIndemnificationReceivable_31855118-451b-4547-a91d-2d0351702956" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfABCPUpfrontLoanFees_d368ae91-5e88-4cfe-a6cb-dc94d39dd537" xlink:href="slm-20241231.xsd#slm_AmortizationOfABCPUpfrontLoanFees"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_slm_AmortizationOfABCPUpfrontLoanFees_d368ae91-5e88-4cfe-a6cb-dc94d39dd537" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDebtDiscountPremium_36626649-22e4-448a-be6b-f05a536cb53e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfDebtDiscountPremium"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_AmortizationOfDebtDiscountPremium_36626649-22e4-448a-be6b-f05a536cb53e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_ca47c1e4-3373-435f-b65a-9f6266c443f7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_ca47c1e4-3373-435f-b65a-9f6266c443f7" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet_91fbabf7-edb4-4da2-9d74-2ac641e1bc9b" xlink:href="slm-20241231.xsd#slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet_91fbabf7-edb4-4da2-9d74-2ac641e1bc9b" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncreaseDecreaseinDuefromSubsidiariesNet_908da043-5e20-440e-96d9-612a726b5d29" xlink:href="slm-20241231.xsd#slm_IncreaseDecreaseinDuefromSubsidiariesNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_slm_IncreaseDecreaseinDuefromSubsidiariesNet_908da043-5e20-440e-96d9-612a726b5d29" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_a5514c19-99fe-4fd4-8e94-5e2a307bd39e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_a5514c19-99fe-4fd4-8e94-5e2a307bd39e" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncreaseDecreaseinincometaxpayabletorelatedparty_676c1cb8-c9ea-4297-b8b0-4f82eccddb92" xlink:href="slm-20241231.xsd#slm_IncreaseDecreaseinincometaxpayabletorelatedparty"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_slm_IncreaseDecreaseinincometaxpayabletorelatedparty_676c1cb8-c9ea-4297-b8b0-4f82eccddb92" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDueToRelatedParties_1f62e07e-8829-4fa3-aa63-1249fd33a83a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInDueToRelatedParties"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_IncreaseDecreaseInDueToRelatedParties_1f62e07e-8829-4fa3-aa63-1249fd33a83a" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_af8a9e38-20c0-4aa8-b5ab-a9971eb42f34" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_af8a9e38-20c0-4aa8-b5ab-a9971eb42f34" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_8df423ad-1d68-4086-9865-bbd43b89d29f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_8df423ad-1d68-4086-9865-bbd43b89d29f" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_de7226af-08eb-4475-855a-79157eda5589" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f19ac71d-649e-4eb4-be3a-55bcea57949f" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_de7226af-08eb-4475-855a-79157eda5589" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_10ae8574-b1e1-4559-b8e5-0b39684284c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_10ae8574-b1e1-4559-b8e5-0b39684284c2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_da67d9a0-3d64-4e8b-8f2a-fcae15da64d9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_10ae8574-b1e1-4559-b8e5-0b39684284c2" xlink:to="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_da67d9a0-3d64-4e8b-8f2a-fcae15da64d9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_3212c305-02bc-4a2e-baf2-4b279c08c6e9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_10ae8574-b1e1-4559-b8e5-0b39684284c2" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_3212c305-02bc-4a2e-baf2-4b279c08c6e9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_84bfbabd-e499-49d7-86bc-4241d45bfae1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_84bfbabd-e499-49d7-86bc-4241d45bfae1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_0a401144-0818-4748-866d-652749470583" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_0a401144-0818-4748-866d-652749470583" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividends_b8d5cc66-f399-470f-aaa4-fd26c8870561" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividends"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:to="loc_us-gaap_PaymentsOfDividends_b8d5cc66-f399-470f-aaa4-fd26c8870561" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_b822cce4-16a8-4e2f-a8ea-2aee5a7f80d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_b822cce4-16a8-4e2f-a8ea-2aee5a7f80d6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8a78109b-7b00-4d00-a91a-f38f65aa4f32" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8a78109b-7b00-4d00-a91a-f38f65aa4f32" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_a99b6061-958e-4e55-928a-649ce726672f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_a99b6061-958e-4e55-928a-649ce726672f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_e16eb5e0-0b6a-4b9b-bdaa-460c5cae89ac" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_e16eb5e0-0b6a-4b9b-bdaa-460c5cae89ac" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_65633f53-e03b-4b26-94f1-a18da537e9df" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SegmentReportingDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SegmentReportingDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/SegmentReportingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_ff729d26-39ad-46bb-985c-1f17e7af1da1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_ff729d26-39ad-46bb-985c-1f17e7af1da1" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_6ca2faa3-bf60-44d8-b3de-6a94b890a93e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_ff729d26-39ad-46bb-985c-1f17e7af1da1" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_6ca2faa3-bf60-44d8-b3de-6a94b890a93e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_6ca2faa3-bf60-44d8-b3de-6a94b890a93e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_6ca2faa3-bf60-44d8-b3de-6a94b890a93e" xlink:to="loc_us-gaap_SegmentDomain_6ca2faa3-bf60-44d8-b3de-6a94b890a93e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_90d2075e-4df2-4d84-89b7-00fd3b1090f0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_6ca2faa3-bf60-44d8-b3de-6a94b890a93e" xlink:to="loc_us-gaap_SegmentDomain_90d2075e-4df2-4d84-89b7-00fd3b1090f0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ReportableSegmentMember_6fcb3764-8d0a-4b42-8a4b-4f9d81c37dfc" xlink:href="slm-20241231.xsd#slm_ReportableSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentDomain_90d2075e-4df2-4d84-89b7-00fd3b1090f0" xlink:to="loc_slm_ReportableSegmentMember_6fcb3764-8d0a-4b42-8a4b-4f9d81c37dfc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_e84be62a-6dcc-4e20-a80c-eb60562ca26f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_LaborAndRelatedExpense_e84be62a-6dcc-4e20-a80c-eb60562ca26f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_70602ee8-4273-4273-a176-db9c77bec678" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfessionalFees"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_ProfessionalFees_70602ee8-4273-4273-a176-db9c77bec678" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InformationTechnologyAndDataProcessing_e2155ff7-94c2-426d-9a97-748a0816c7b3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InformationTechnologyAndDataProcessing"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_InformationTechnologyAndDataProcessing_e2155ff7-94c2-426d-9a97-748a0816c7b3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_eaa2960c-af05-4b3c-b30a-e479fc4a8552" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_eaa2960c-af05-4b3c-b30a-e479fc4a8552" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherExpenses_49bba632-8b3f-4205-b614-aaeecf6b0309" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherExpenses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_OtherExpenses_49bba632-8b3f-4205-b614-aaeecf6b0309" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_d8f251d0-790d-4ac6-8f6c-4dd6a7f2ca3b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingExpenses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_OperatingExpenses_d8f251d0-790d-4ac6-8f6c-4dd6a7f2ca3b" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_99c26536-436c-46ca-bf43-8880f921c73d" xlink:href="slm-20241231.xsd#slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_99c26536-436c-46ca-bf43-8880f921c73d" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_22700d5d-6a11-476f-b90f-e7a9d08cef1e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_NoninterestExpense_22700d5d-6a11-476f-b90f-e7a9d08cef1e" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SubsequentEventsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SubsequentEventsDetails"/>
  <link:definitionLink xlink:role="http://www.salliemae.com/role/SubsequentEventsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_44eb4cb9-4cd9-4f93-af9a-2fa62b93103e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_44eb4cb9-4cd9-4f93-af9a-2fa62b93103e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44eb4cb9-4cd9-4f93-af9a-2fa62b93103e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_44eb4cb9-4cd9-4f93-af9a-2fa62b93103e" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44eb4cb9-4cd9-4f93-af9a-2fa62b93103e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_12d9b5b6-5658-4bbc-9df7-31dd295c5d98" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_44eb4cb9-4cd9-4f93-af9a-2fa62b93103e" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_12d9b5b6-5658-4bbc-9df7-31dd295c5d98" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_75923f98-c01f-44a1-a3c8-87186cf4e166" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_12d9b5b6-5658-4bbc-9df7-31dd295c5d98" xlink:to="loc_slm_PrivateEducationLoansMember_75923f98-c01f-44a1-a3c8-87186cf4e166" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_17508783-6072-4878-93de-7172387a467f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_17508783-6072-4878-93de-7172387a467f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_17508783-6072-4878-93de-7172387a467f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_17508783-6072-4878-93de-7172387a467f" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_17508783-6072-4878-93de-7172387a467f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_cf5b0eac-0a58-4f1f-b200-2c03ce7996d3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_17508783-6072-4878-93de-7172387a467f" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_cf5b0eac-0a58-4f1f-b200-2c03ce7996d3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_4f495644-cb85-4fd4-8dfc-1d909307184f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_cf5b0eac-0a58-4f1f-b200-2c03ce7996d3" xlink:to="loc_us-gaap_SubsequentEventMember_4f495644-cb85-4fd4-8dfc-1d909307184f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_ba82e90c-cb7b-436c-b6e9-920278e6c3c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_ba82e90c-cb7b-436c-b6e9-920278e6c3c3" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_ba82e90c-cb7b-436c-b6e9-920278e6c3c3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_ba82e90c-cb7b-436c-b6e9-920278e6c3c3" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_ba82e90c-cb7b-436c-b6e9-920278e6c3c3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_dc5972ad-1546-4e65-bdc2-d3f03a57eb05" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_ba82e90c-cb7b-436c-b6e9-920278e6c3c3" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_dc5972ad-1546-4e65-bdc2-d3f03a57eb05" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_eafdf9de-5591-4580-a4d9-70a05e5cdd20" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_dc5972ad-1546-4e65-bdc2-d3f03a57eb05" xlink:to="loc_us-gaap_UnsecuredDebtMember_eafdf9de-5591-4580-a4d9-70a05e5cdd20" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_7f7766d5-b2a6-4421-86ad-74f17e3ee142" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:to="loc_us-gaap_DebtInstrumentAxis_7f7766d5-b2a6-4421-86ad-74f17e3ee142" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_7f7766d5-b2a6-4421-86ad-74f17e3ee142_default" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_7f7766d5-b2a6-4421-86ad-74f17e3ee142" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_7f7766d5-b2a6-4421-86ad-74f17e3ee142_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_5cdd9fc8-ed78-4d0f-8e94-bfd985fa7a7b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_7f7766d5-b2a6-4421-86ad-74f17e3ee142" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_5cdd9fc8-ed78-4d0f-8e94-bfd985fa7a7b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueOctober292025Member_2f6f9d0c-5492-4edc-8adc-90e2f4c1cd1a" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueOctober292025Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_5cdd9fc8-ed78-4d0f-8e94-bfd985fa7a7b" xlink:to="loc_slm_SeniorUnsecuredNotesDueOctober292025Member_2f6f9d0c-5492-4edc-8adc-90e2f4c1cd1a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember_f1e249e2-a332-49e6-bded-5d4a6a7a48e6" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_5cdd9fc8-ed78-4d0f-8e94-bfd985fa7a7b" xlink:to="loc_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember_f1e249e2-a332-49e6-bded-5d4a6a7a48e6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_d442b9b5-7ce5-41a9-acbd-ac29445bf477" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_d442b9b5-7ce5-41a9-acbd-ac29445bf477" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_c108ca26-831b-41c7-905c-0a77ead13d21" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_c108ca26-831b-41c7-905c-0a77ead13d21" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_892bd7a3-d732-462b-9f23-3aea8dc71f15" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RepaymentsOfLongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_RepaymentsOfLongTermDebt_892bd7a3-d732-462b-9f23-3aea8dc71f15" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPricePercentage_a2dd4b66-2c67-43f4-95e5-29c4d7db6df0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentRedemptionPricePercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPricePercentage_a2dd4b66-2c67-43f4-95e5-29c4d7db6df0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_0d7d19f0-4123-4465-a04c-7a735a7172b6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_0d7d19f0-4123-4465-a04c-7a735a7172b6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableSale_0a9c217b-ca77-4a79-bc6d-2488bc424bae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_FinancingReceivableSale_0a9c217b-ca77-4a79-bc6d-2488bc424bae" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSalePrincipal_c9c5fc26-7d45-472d-812c-36be899e188a" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSalePrincipal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_slm_FinancingReceivableSalePrincipal_c9c5fc26-7d45-472d-812c-36be899e188a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSaleCapitalizedInterest_cef08533-1b04-4cb8-8136-e962d8019387" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSaleCapitalizedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_slm_FinancingReceivableSaleCapitalizedInterest_cef08533-1b04-4cb8-8136-e962d8019387" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSaleAccruedInterest_eca7dd05-dc38-47c9-a2dc-b1c90bc9cf18" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSaleAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_slm_FinancingReceivableSaleAccruedInterest_eca7dd05-dc38-47c9-a2dc-b1c90bc9cf18" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://fasb.org/us-gaap/role/eedm/ExtensibleEnumerationLists" xlink:type="simple" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-roles-2024.xsd#eedm"/>
  <link:definitionLink xlink:role="http://fasb.org/us-gaap/role/eedm/ExtensibleEnumerationLists" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="arc" order="31"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:to="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:type="arc" order="32"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_d2fc9bd5-49af-473a-b3dd-b6535b7eb22d" xlink:href="slm-20241231.xsd#slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_d2fc9bd5-49af-473a-b3dd-b6535b7eb22d" xlink:type="arc" order="691"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnDerivativeInstrumentsNetPretax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnDerivativeInstrumentsNetPretax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="loc_us-gaap_GainLossOnDerivativeInstrumentsNetPretax" xlink:type="arc" order="692"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" xlink:type="arc" order="693"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS" xlink:type="arc" order="694"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfOtherComprehensiveIncomeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfOtherComprehensiveIncomeAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementOfOtherComprehensiveIncomeAbstract" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:type="arc" order="81"/>
  </link:definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>13
<FILENAME>slm-20241231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2025 Workiva-->
<!--r:d7bf8150-4bdd-417e-9e46-96e27e8baee9,g:88ad62bb-29b1-4f6c-af5f-5e3caa83611d-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:label id="lab_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment_ed10acfb-1fdd-47ff-b3a6-7ea889585ab2_terseLabel_en-US" xlink:label="lab_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liability for unfunded commitments</link:label>
    <link:label id="lab_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment_label_en-US" xlink:label="lab_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Program, Proportional Amortization Method, Elected, Commitment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment" xlink:to="lab_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_HedgeAccountingAdjustment_370c4845-4d24-49f4-b679-a50a060dcc00_terseLabel_en-US" xlink:label="lab_slm_HedgeAccountingAdjustment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedge accounting adjustments</link:label>
    <link:label id="lab_slm_HedgeAccountingAdjustment_label_en-US" xlink:label="lab_slm_HedgeAccountingAdjustment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedge Accounting Adjustment</link:label>
    <link:label id="lab_slm_HedgeAccountingAdjustment_documentation_en-US" xlink:label="lab_slm_HedgeAccountingAdjustment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hedge Accounting Adjustment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_HedgeAccountingAdjustment" xlink:href="slm-20241231.xsd#slm_HedgeAccountingAdjustment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_HedgeAccountingAdjustment" xlink:to="lab_slm_HedgeAccountingAdjustment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_d993b30e-7e29-4c42-bf8f-4b5c38f395df_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments to reconcile net income to net cash provided by (used in) operating activities:</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_81adfd60-25e1-452e-93bd-8d516f678172_verboseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Adjustments to reconcile net income to net cash provided by operating activities:</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RepaymentsOfLongTermDebt_182ac3ef-9bd3-45d9-98d8-7da3c8187876_terseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repayment of long-term debt</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfLongTermDebt_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of Long-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RepaymentsOfLongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfLongTermDebt" xlink:to="lab_us-gaap_RepaymentsOfLongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_28cbc4cf-d5b8-439b-a2e4-32527fb92253_terseLabel_en-US" xlink:label="lab_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remaining authority under the share repurchase program</link:label>
    <link:label id="lab_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_label_en-US" xlink:label="lab_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Repurchase Program, Remaining Authorized, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1" xlink:to="lab_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember_6d92ce69-837b-479d-a7c7-be0143162305_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">37-48 payments</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember_label_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From Thirty Seven To Forty Eight Payments [Member]</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember_documentation_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From Thirty Seven To Forty Eight Payments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember" xlink:to="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CollateralDomain_ab707012-483d-4cc6-9cd1-0e8d64613391_terseLabel_en-US" xlink:label="lab_us-gaap_CollateralDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral [Domain]</link:label>
    <link:label id="lab_us-gaap_CollateralDomain_label_en-US" xlink:label="lab_us-gaap_CollateralDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Held [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CollateralDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CollateralDomain" xlink:to="lab_us-gaap_CollateralDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_fa56faaa-0f09-418d-ae16-181f8d8b4b1d_terseLabel_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_d4d65166-0852-4fad-9502-7cc16a2d2dea_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Cumulative Basis Adjustments for Fair Value Hedges</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Fair Value Hedging Instruments, Statements of Financial Performance and Financial Position, Location [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_bcf6cb20-2136-4b81-8fce-27ca96f74160_totalLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net increase (decrease) in cash, cash equivalents and restricted cash</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_4d8498d2-9a14-44de-b42c-a4e7ac76669c_terseLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net increase (decrease) in cash, cash equivalents and restricted cash</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GainLossOnSalesOfLoansNet_04fd5d73-6b04-4375-b661-ff4e060ae5ea_terseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSalesOfLoansNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains on sales of loans, net</link:label>
    <link:label id="lab_us-gaap_GainLossOnSalesOfLoansNet_65b925a5-0db0-4b2e-bf8c-ea39425e4f66_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSalesOfLoansNet" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Gains on sale of loans, net</link:label>
    <link:label id="lab_us-gaap_GainLossOnSalesOfLoansNet_label_en-US" xlink:label="lab_us-gaap_GainLossOnSalesOfLoansNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Sales of Loans, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnSalesOfLoansNet" xlink:to="lab_us-gaap_GainLossOnSalesOfLoansNet" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred_64f2706a-8be7-4202-bf83-e173cae619b5_terseLabel_en-US" xlink:label="lab_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount deferred</link:label>
    <link:label id="lab_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred_label_en-US" xlink:label="lab_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adoption Of New Accounting Pronouncements, Percent Deferred</link:label>
    <link:label id="lab_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred_documentation_en-US" xlink:label="lab_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Adoption Of New Accounting Pronouncements, Percent Deferred</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred" xlink:href="slm-20241231.xsd#slm_AdoptionOfNewAccountingPronouncementsPercentDeferred"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred" xlink:to="lab_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery_5005192a-0012-469f-9586-0e1273a3460a_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total provisions</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Excluding Accrued Interest, Period Increase (Decrease) Before Write-Off (Recovery)</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Excluding Accrued Interest, Period Increase (Decrease) Before Write-Off (Recovery)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_fe867c01-114f-48fa-bb54-476a34dd0721_terseLabel_en-US" xlink:label="lab_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedged items recorded in interest expense</link:label>
    <link:label id="lab_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_label_en-US" xlink:label="lab_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Change in Unrealized Gain (Loss) on Hedged Item in Fair Value Hedge</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" xlink:to="lab_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedIncomeStatementsCaptionsLineItems_c0152f4b-725b-4a33-80cf-8324ed24a902_terseLabel_en-US" xlink:label="lab_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Income Statements, Captions [Line Items]</link:label>
    <link:label id="lab_srt_CondensedIncomeStatementsCaptionsLineItems_label_en-US" xlink:label="lab_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Income Statements, Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedIncomeStatementsCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:to="lab_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_TradingSymbol_d65eb260-c9ee-4595-8272-1599c70ea246_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_TradingSymbol"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueHedgingMember_34e97e03-62cc-4db1-86c9-6d2ae2937b3e_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueHedgingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_FairValueHedgingMember_label_en-US" xlink:label="lab_us-gaap_FairValueHedgingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hedging [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueHedgingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueHedgingMember" xlink:to="lab_us-gaap_FairValueHedgingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositMoneyMarket_b025b474-755d-48ef-bb36-9d2dc40cfe5f_terseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositMoneyMarket" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_WeightedAverageLifeOfLoans_50317053-1d0a-4fd6-9fc3-c5df019beab7_terseLabel_en-US" xlink:label="lab_slm_WeightedAverageLifeOfLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average life of loans</link:label>
    <link:label id="lab_slm_WeightedAverageLifeOfLoans_label_en-US" xlink:label="lab_slm_WeightedAverageLifeOfLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Life of Loans</link:label>
    <link:label id="lab_slm_WeightedAverageLifeOfLoans_documentation_en-US" xlink:label="lab_slm_WeightedAverageLifeOfLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Weighted Average Life of Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_WeightedAverageLifeOfLoans" xlink:href="slm-20241231.xsd#slm_WeightedAverageLifeOfLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_WeightedAverageLifeOfLoans" xlink:to="lab_slm_WeightedAverageLifeOfLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_d2cca43e-1bca-41fb-8753-cf7ef88195d7_totalLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total comprehensive income</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_65cabb7e-d220-422b-a63c-960e5d3beb56_terseLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_DerivativeFairValueOfDerivativeAsset_f844ed4b-88c9-4493-8726-a7cd598beca9_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" 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" xml:lang="en-US">Derivative Asset, Subject to Master Netting Arrangement, before Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.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_ecd_NonNeosMember_terseLabel_en-US" xlink:label="lab_ecd_NonNeosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-NEOs</link:label>
    <link:label id="lab_ecd_NonNeosMember_label_en-US" xlink:label="lab_ecd_NonNeosMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-NEOs [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonNeosMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonNeosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonNeosMember" xlink:to="lab_ecd_NonNeosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_a29832ca-ceb1-4cb1-a7ad-cddb7565c674_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current period recoveries, Year 6</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated Five Or More Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated Five Or More Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2054Member_947b863d-cdc9-46a4-b3df-8ed693092a32_terseLabel_en-US" xlink:label="lab_slm_Maturity2054Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2054</link:label>
    <link:label id="lab_slm_Maturity2054Member_label_en-US" xlink:label="lab_slm_Maturity2054Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity 2054 [Member]</link:label>
    <link:label id="lab_slm_Maturity2054Member_documentation_en-US" xlink:label="lab_slm_Maturity2054Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maturity 2054</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2054Member" xlink:href="slm-20241231.xsd#slm_Maturity2054Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2054Member" xlink:to="lab_slm_Maturity2054Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale_65063fa6-43ef-4ba8-a9d6-039b8b383839_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Write-downs arising from transfer of loans to held for sale</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Reclassification to Held-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockDividendsPerShareDeclared_210b6071-8c3d-47ab-902b-a6ce13782b95_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareDeclared" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Declared dividends per common share (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_CommonStockDividendsPerShareDeclared_6a24aad5-38a0-4bdf-bffb-7aa0bc9ac656_verboseLabel_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareDeclared" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Common stock dividend (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_CommonStockDividendsPerShareDeclared_label_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareDeclared" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Dividends, Per Share, Declared</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockDividendsPerShareDeclared" xlink:to="lab_us-gaap_CommonStockDividendsPerShareDeclared" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CollateralizedSecuritiesMember_6d7f473b-2210-4c48-acc4-3161d83252be_terseLabel_en-US" xlink:label="lab_us-gaap_CollateralizedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateralized Securities</link:label>
    <link:label id="lab_us-gaap_CollateralizedSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_CollateralizedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateralized Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CollateralizedSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CollateralizedSecuritiesMember" xlink:to="lab_us-gaap_CollateralizedSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AllowanceForUncollectibleAccruedInterest_ba43f0f4-4773-40de-a157-a3616c3c9d9e_terseLabel_en-US" xlink:label="lab_slm_AllowanceForUncollectibleAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for uncollectible interest</link:label>
    <link:label id="lab_slm_AllowanceForUncollectibleAccruedInterest_label_en-US" xlink:label="lab_slm_AllowanceForUncollectibleAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance For Uncollectible Accrued Interest</link:label>
    <link:label id="lab_slm_AllowanceForUncollectibleAccruedInterest_documentation_en-US" xlink:label="lab_slm_AllowanceForUncollectibleAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Allowance For Uncollectible Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForUncollectibleAccruedInterest" xlink:href="slm-20241231.xsd#slm_AllowanceForUncollectibleAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AllowanceForUncollectibleAccruedInterest" xlink:to="lab_slm_AllowanceForUncollectibleAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityTable_0f8bbc6e-7bdd-49c9-a1fc-ed3088ce63c5_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Table]</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityTable_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityTable" xlink:to="lab_us-gaap_LineOfCreditFacilityTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_8c76dcbf-32f6-4f07-8249-348183c3f34b_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_09045c2c-799e-4883-83e8-8f947c93264e_terseLabel_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:to="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_StudentLoansacquiredandoriginated_faecddc9-b1c4-48eb-b15d-ab28319dc04d_negatedTerseLabel_en-US" xlink:label="lab_slm_StudentLoansacquiredandoriginated" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Loans acquired and originated</link:label>
    <link:label id="lab_slm_StudentLoansacquiredandoriginated_label_en-US" xlink:label="lab_slm_StudentLoansacquiredandoriginated" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Student Loans acquired and originated</link:label>
    <link:label id="lab_slm_StudentLoansacquiredandoriginated_documentation_en-US" xlink:label="lab_slm_StudentLoansacquiredandoriginated" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Student Loans acquired and originated</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StudentLoansacquiredandoriginated" xlink:href="slm-20241231.xsd#slm_StudentLoansacquiredandoriginated"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_StudentLoansacquiredandoriginated" xlink:to="lab_slm_StudentLoansacquiredandoriginated" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonRule10b51ArrAdoptedFlag_terseLabel_en-US" xlink:label="lab_ecd_NonRule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Adopted</link:label>
    <link:label id="lab_ecd_NonRule10b51ArrAdoptedFlag_label_en-US" xlink:label="lab_ecd_NonRule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Adopted [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonRule10b51ArrAdoptedFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:to="lab_ecd_NonRule10b51ArrAdoptedFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_BorrowingsCollateralizedByLoansInTrustRepaid_43336abb-76f0-4a6d-985b-a73b45293ba7_negatedTerseLabel_en-US" xlink:label="lab_slm_BorrowingsCollateralizedByLoansInTrustRepaid" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Borrowings collateralized by loans in securitization trusts - repaid</link:label>
    <link:label id="lab_slm_BorrowingsCollateralizedByLoansInTrustRepaid_label_en-US" xlink:label="lab_slm_BorrowingsCollateralizedByLoansInTrustRepaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Borrowings Collateralized By Loans In Trust Repaid</link:label>
    <link:label id="lab_slm_BorrowingsCollateralizedByLoansInTrustRepaid_documentation_en-US" xlink:label="lab_slm_BorrowingsCollateralizedByLoansInTrustRepaid" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Borrowings Collateralized By Loans In Trust Repaid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BorrowingsCollateralizedByLoansInTrustRepaid" xlink:href="slm-20241231.xsd#slm_BorrowingsCollateralizedByLoansInTrustRepaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_BorrowingsCollateralizedByLoansInTrustRepaid" xlink:to="lab_slm_BorrowingsCollateralizedByLoansInTrustRepaid" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgingRelationshipDomain_2acfebf1-1df3-4bb1-9ecf-7dc9946549b6_terseLabel_en-US" xlink:label="lab_us-gaap_HedgingRelationshipDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Relationship [Domain]</link:label>
    <link:label id="lab_us-gaap_HedgingRelationshipDomain_label_en-US" xlink:label="lab_us-gaap_HedgingRelationshipDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Relationship [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgingRelationshipDomain" xlink:to="lab_us-gaap_HedgingRelationshipDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ThirdPartyBrokerFeesPaid_065d9157-650a-4574-80ca-08a41eba062e_terseLabel_en-US" xlink:label="lab_slm_ThirdPartyBrokerFeesPaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Third party broker fees paid</link:label>
    <link:label id="lab_slm_ThirdPartyBrokerFeesPaid_label_en-US" xlink:label="lab_slm_ThirdPartyBrokerFeesPaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Third Party Broker Fees Paid</link:label>
    <link:label id="lab_slm_ThirdPartyBrokerFeesPaid_documentation_en-US" xlink:label="lab_slm_ThirdPartyBrokerFeesPaid" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Third Party Broker Fees Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ThirdPartyBrokerFeesPaid" xlink:href="slm-20241231.xsd#slm_ThirdPartyBrokerFeesPaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ThirdPartyBrokerFeesPaid" xlink:to="lab_slm_ThirdPartyBrokerFeesPaid" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear_7e278dc1-7cf2-486a-956a-c2d86a809765_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Current period net charge-offs, Year 1</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated In Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated In Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromStockOptionsExercised_118010e7-0df6-4d52-9f32-38efcd29f2ff_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromStockOptionsExercised" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants_ec836f76-d3ba-495c-9879-0dc50e26af89_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of monthly payments required by a borrower between successive grants of forbearance</link:label>
    <link:label id="lab_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants_label_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Number Of Monthly Payments Required Between Forbearance Grants</link:label>
    <link:label id="lab_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants_documentation_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Number Of Monthly Payments Required Between Forbearance Grants</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants" xlink:href="slm-20241231.xsd#slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants" xlink:to="lab_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_22c084ff-eb13-462e-907b-674d8df15285_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measurements</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresTextBlock" xlink:to="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTax_7d2d2d40-ce2b-4523-8a96-ed4db6f2c893_totalLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total unrealized gains (losses)</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgDiscLineItems_label_en-US" xlink:label="lab_ecd_AwardTmgDiscLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Disclosures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgDiscLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="lab_ecd_AwardTmgDiscLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis_52721977-b08c-4936-88ed-9c2388525731_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Period Past Due [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeGainLossOnDerivativeNet_4b3a34d7-3346-4ec3-812a-03d721881db0_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_DerivativeGainLossOnDerivativeNet_label_en-US" xlink:label="lab_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Gain (Loss) on Derivative, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:to="lab_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_cbeabecc-6a0c-4a6e-a9e0-d42119f47302_terseLabel_en-US" xlink:label="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of 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" 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/2024/elts/us-gaap-2024.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_PortionAtFairValueFairValueDisclosureMember_99f26fc1-cb4b-4023-bb25-785dd1256266_terseLabel_en-US" xlink:label="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portion at Fair Value Measurement</link:label>
    <link:label id="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember_label_en-US" xlink:label="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portion at Fair Value Measurement [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:to="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInInterestPayableNet_674ae8c3-bd2f-443b-923d-bc8ed19d0ad0_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in accrued interest payable</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInInterestPayableNet_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Interest Payable, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:to="lab_us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_55c45f6d-940a-41de-aa1d-735726f6cf8b_totalLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net interest income</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_8df1c1f2-7525-4302-a612-a0fd66c3645b_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net interest loss</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_label_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseNet" xlink:to="lab_us-gaap_InterestIncomeExpenseNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_e393e823-e730-4c1c-9587-5215e27b7999_totalLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total adjustments</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PlanNameDomain_78218b31-7503-430b-a34a-ef30de145784_terseLabel_en-US" xlink:label="lab_us-gaap_PlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_PlanNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PlanNameDomain" xlink:to="lab_us-gaap_PlanNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1_24152124-2cd8-4218-8ecc-71158e314016_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Period that delinquent borrowers can participate in certain short-term interest-only payment alternatives, option one</link:label>
    <link:label id="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1_label_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Number Of Interest-Only Repayment Alternatives Available to Delinquent Borrowers, Period, Option 1</link:label>
    <link:label id="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1_documentation_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Number Of Interest-Only Repayment Alternatives Available to Delinquent Borrowers, Period, Option 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1" xlink:href="slm-20241231.xsd#slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1" xlink:to="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2_a473233f-96b2-4481-92cf-48a893d3a23b_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Period that delinquent borrowers can participate in certain short-term interest-only payment alternatives, option two</link:label>
    <link:label id="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2_label_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Number Of Interest-Only Repayment Alternatives Available to Delinquent Borrowers, Period, Option 2</link:label>
    <link:label id="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2_documentation_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Number Of Interest-Only Repayment Alternatives Available to Delinquent Borrowers, Period, Option 2</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2" xlink:href="slm-20241231.xsd#slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2" xlink:to="lab_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsGross_3df41489-3be7-49ad-801d-b78346fd2c49_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cost Basis</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsGross_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Gross</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_b82055d2-4d25-4ebb-aeb9-cadae09cb918_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After Year 5</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear_a0b5bd59-f315-4ff5-b1c6-60a04651249d_terseLabel_en-US" xlink:label="lab_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans, Year 2</link:label>
    <link:label id="lab_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_3f0f239a-e67b-423f-96a4-73a175a04c4f_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue_b37fd12e-c35c-41f2-9224-f8d96a65cdfb_terseLabel_en-US" xlink:label="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Canceled (in dollars per share)</link:label>
    <link:label id="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Canceled Forfeited In Period Weighted Average Grant Date Fair Value</link:label>
    <link:label id="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue_documentation_en-US" xlink:label="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share based compensation arrangement by share based payment award equity instruments other than options canceled forfeited in period weighted average grant date fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" xlink:href="slm-20241231.xsd#slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_e78220d6-2d37-402c-b40f-f9958276728a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember_ef112554-5a0b-421b-a0f5-6543d57bd346_terseLabel_en-US" xlink:label="lab_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior Unsecured Notes Due February XX 2028 Member</link:label>
    <link:label id="lab_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember_label_en-US" xlink:label="lab_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Unsecured Notes Due February XX 2028 Member [Member]</link:label>
    <link:label id="lab_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember_documentation_en-US" xlink:label="lab_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Senior Unsecured Notes Due February XX 2028 Member</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember" xlink:to="lab_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_4bc2a5f5-b1f0-436d-80dc-0d2a997435f1_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total net cash (used in) provided by operating activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_3a638b95-862f-4efa-896a-1a63fa4dbfb3_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total net cash (used in) provided by operating activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesTradingMeasurementInput_d582159f-0548-4a3c-8a4e-6a9d4c381f40_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesTradingMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement input</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesTradingMeasurementInput_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesTradingMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Trading, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesTradingMeasurementInput" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesTradingMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesTradingMeasurementInput" xlink:to="lab_us-gaap_DebtSecuritiesTradingMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_b43b4cfb-355d-4000-849c-8c1907ad6feb_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_fc75220e-3461-4339-b8d0-947639ee0465_verboseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cash flows from operating activities:</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_79315371-02f4-41a0-b05a-342bc367fb18_terseLabel_en-US" xlink:label="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Line Items]</link:label>
    <link:label id="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_label_en-US" xlink:label="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Line Items]</link:label>
    <link:label id="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_documentation_en-US" xlink:label="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">[Line Items] for Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems" xlink:href="slm-20241231.xsd#slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems" xlink:to="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_7cb0e5cb-34d0-4382-811c-27a8717bf717_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss)</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuredDebtMember_c3e6f11c-303a-4bd8-9b50-d619b0c53b87_terseLabel_en-US" xlink:label="lab_us-gaap_SecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured borrowings</link:label>
    <link:label id="lab_us-gaap_SecuredDebtMember_label_en-US" xlink:label="lab_us-gaap_SecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured Debt [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebtMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SecuredDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuredDebtMember" xlink:to="lab_us-gaap_SecuredDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure_0770a56a-b160-4e46-b0d1-b08ef3cdf8fc_terseLabel_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum loss exposure due to federal guarantee</link:label>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure_label_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Reimbursement On All Qualifying Default Claims, Maximum Loss Exposure</link:label>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure_documentation_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Reimbursement On All Qualifying Default Claims, Maximum Loss Exposure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" xlink:href="slm-20241231.xsd#slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" xlink:to="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost_92ad26a7-57a8-40c3-8464-6a35a36a2715_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans</link:label>
    <link:label id="lab_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost_label_en-US" xlink:label="lab_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Before Allowance For Credit Losses, Loan Modifications, Amortized Cost</link:label>
    <link:label id="lab_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost_documentation_en-US" xlink:label="lab_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Before Allowance For Credit Losses, Loan Modifications, Amortized Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" xlink:href="slm-20241231.xsd#slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" xlink:to="lab_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_177f5f3b-aa2b-418a-aa0f-04502eb9540d_terseLabel_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of Private Education Loans in repayment, Year 2</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgMethodTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing Method</link:label>
    <link:label id="lab_ecd_AwardTmgMethodTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Method [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgMethodTextBlock" xlink:to="lab_ecd_AwardTmgMethodTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TradingArrByIndTable_terseLabel_en-US" xlink:label="lab_ecd_TradingArrByIndTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Arrangements, by Individual</link:label>
    <link:label id="lab_ecd_TradingArrByIndTable_label_en-US" xlink:label="lab_ecd_TradingArrByIndTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangements, by Individual [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrByIndTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TradingArrByIndTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="lab_ecd_TradingArrByIndTable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AccruedInterestReceivableFairValueDisclosureDifference_8798b13f-86f6-4648-9add-15c57201c2b4_terseLabel_en-US" xlink:label="lab_slm_AccruedInterestReceivableFairValueDisclosureDifference" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest receivable, difference</link:label>
    <link:label id="lab_slm_AccruedInterestReceivableFairValueDisclosureDifference_label_en-US" xlink:label="lab_slm_AccruedInterestReceivableFairValueDisclosureDifference" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued Interest Receivable, Fair Value Disclosure, Difference</link:label>
    <link:label id="lab_slm_AccruedInterestReceivableFairValueDisclosureDifference_documentation_en-US" xlink:label="lab_slm_AccruedInterestReceivableFairValueDisclosureDifference" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accrued Interest Receivable, Fair Value Disclosure, Difference</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableFairValueDisclosureDifference" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableFairValueDisclosureDifference"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AccruedInterestReceivableFairValueDisclosureDifference" xlink:to="lab_slm_AccruedInterestReceivableFairValueDisclosureDifference" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansPledgedAsCollateralPrincipalAmount_5bbd1723-12fb-47b2-97c2-b6e2ef36ca37_terseLabel_en-US" xlink:label="lab_slm_LoansPledgedAsCollateralPrincipalAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Principal</link:label>
    <link:label id="lab_slm_LoansPledgedAsCollateralPrincipalAmount_label_en-US" xlink:label="lab_slm_LoansPledgedAsCollateralPrincipalAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Pledged As Collateral, Principal Amount</link:label>
    <link:label id="lab_slm_LoansPledgedAsCollateralPrincipalAmount_documentation_en-US" xlink:label="lab_slm_LoansPledgedAsCollateralPrincipalAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Pledged As Collateral, Principal Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansPledgedAsCollateralPrincipalAmount" xlink:href="slm-20241231.xsd#slm_LoansPledgedAsCollateralPrincipalAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansPledgedAsCollateralPrincipalAmount" xlink:to="lab_slm_LoansPledgedAsCollateralPrincipalAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_InterestIncomeonTaxIndemnificationReceivable_58be892e-c3bb-4f1c-876d-376395de09a2_negatedTerseLabel_en-US" xlink:label="lab_slm_InterestIncomeonTaxIndemnificationReceivable" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Reduction of tax indemnification receivable</link:label>
    <link:label id="lab_slm_InterestIncomeonTaxIndemnificationReceivable_41a11819-52bb-49e6-b078-652c8b6ecb15_negatedLabel_en-US" xlink:label="lab_slm_InterestIncomeonTaxIndemnificationReceivable" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" 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" 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" 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-20241231.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_FairValueByMeasurementFrequencyAxis_5b3461d9-17d0-4952-b8c7-2ffd7c1c3542_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_dei_EntityCommonStockSharesOutstanding_09f8a87e-d998-4a6d-9e27-0bf218037ce9_terseLabel_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding</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" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCommonStockSharesOutstanding" xlink:to="lab_dei_EntityCommonStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable_a846c16e-1548-4876-9702-881d7fc97448_terseLabel_en-US" xlink:label="lab_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in Unrecognized Tax Benefit, Reasonably Possible [Table]</link:label>
    <link:label id="lab_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable_label_en-US" xlink:label="lab_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Change in Unrecognized Tax Benefit, Reasonably Possible [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable" xlink:to="lab_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTradingPoliciesProcLineItems_label_en-US" xlink:label="lab_ecd_InsiderTradingPoliciesProcLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTradingPoliciesProcLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="lab_ecd_InsiderTradingPoliciesProcLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UseOfEstimates_b14f43bb-d7df-4490-a6f2-0a766b75e7a3_terseLabel_en-US" xlink:label="lab_us-gaap_UseOfEstimates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Use of Estimates and Assumptions</link:label>
    <link:label id="lab_us-gaap_UseOfEstimates_label_en-US" xlink:label="lab_us-gaap_UseOfEstimates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Use of Estimates, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UseOfEstimates" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UseOfEstimates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UseOfEstimates" xlink:to="lab_us-gaap_UseOfEstimates" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate_3da270ae-43e0-4c99-91e6-77645d6678c6_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_ecd_AdjToCompAmt_terseLabel_en-US" xlink:label="lab_ecd_AdjToCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation, Amount</link:label>
    <link:label id="lab_ecd_AdjToCompAmt_label_en-US" xlink:label="lab_ecd_AdjToCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToCompAmt" xlink:to="lab_ecd_AdjToCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PartnerRelationshipsMember_e67189f6-5b65-4b62-9a7f-3e92c60bb9c0_terseLabel_en-US" xlink:label="lab_slm_PartnerRelationshipsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Partner relationship</link:label>
    <link:label id="lab_slm_PartnerRelationshipsMember_label_en-US" xlink:label="lab_slm_PartnerRelationshipsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Partner Relationships [Member]</link:label>
    <link:label id="lab_slm_PartnerRelationshipsMember_documentation_en-US" xlink:label="lab_slm_PartnerRelationshipsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Partner Relationships</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PartnerRelationshipsMember" xlink:href="slm-20241231.xsd#slm_PartnerRelationshipsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PartnerRelationshipsMember" xlink:to="lab_slm_PartnerRelationshipsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OutstandingRecoveryCompAmt_terseLabel_en-US" xlink:label="lab_ecd_OutstandingRecoveryCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Amount</link:label>
    <link:label id="lab_ecd_OutstandingRecoveryCompAmt_label_en-US" xlink:label="lab_ecd_OutstandingRecoveryCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Recovery Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OutstandingRecoveryCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OutstandingRecoveryCompAmt" xlink:to="lab_ecd_OutstandingRecoveryCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember_terseLabel_en-US" xlink:label="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table</link:label>
    <link:label id="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember_label_en-US" xlink:label="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:to="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntitySmallBusiness_b5231bc7-b09f-4fc2-910e-a30c68a9a114_terseLabel_en-US" xlink:label="lab_dei_EntitySmallBusiness" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_ecd_CoSelectedMeasureAmt_terseLabel_en-US" xlink:label="lab_ecd_CoSelectedMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Company Selected Measure Amount</link:label>
    <link:label id="lab_ecd_CoSelectedMeasureAmt_label_en-US" xlink:label="lab_ecd_CoSelectedMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Company Selected Measure Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CoSelectedMeasureAmt" xlink:to="lab_ecd_CoSelectedMeasureAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration_a92898df-3240-43f2-8763-ceab1d83fa34_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate offered to borrowers facing financial difficulty, duration</link:label>
    <link:label id="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration_label_en-US" xlink:label="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status, Duration</link:label>
    <link:label id="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration_documentation_en-US" xlink:label="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status, Duration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration" xlink:href="slm-20241231.xsd#slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration" xlink:to="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsOfDebtIssuanceCosts_12584297-f31c-4d52-b704-cececed2c219_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDebtIssuanceCosts" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Issuance costs for 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" 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/2024/elts/us-gaap-2024.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_ecd_TabularListTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_TabularListTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tabular List, Table</link:label>
    <link:label id="lab_ecd_TabularListTableTextBlock_label_en-US" xlink:label="lab_ecd_TabularListTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tabular List [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TabularListTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TabularListTableTextBlock" xlink:to="lab_ecd_TabularListTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts_e03bd098-bc3f-47bb-83e8-d23f9c30037e_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other impacts to the provisions for credit losses:</link:label>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts_label_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal), Other Impacts</link:label>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts_documentation_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal), Other Impacts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts" xlink:to="lab_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_bbf5f171-bff2-4d32-8311-d81597a492af_totalLabel_en-US" xlink:label="lab_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" xml:lang="en-US">Financial Liabilities Fair Value Disclosure, Difference Between Carrying Value and Fair Value</link:label>
    <link:label id="lab_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_documentation_en-US" xlink:label="lab_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial Liabilities Fair Value Disclosure, Difference Between Carrying Value and Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:href="slm-20241231.xsd#slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:to="lab_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2023AMember_6e530c89-18a8-420b-bc9d-8a8882ff6087_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2023AMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2023-A ABS Transaction</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2023AMember_label_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2023AMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2023-A [Member]</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2023AMember_documentation_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2023AMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2023-A</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023AMember" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023AMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SMBPrivateEducationLoanTrust2023AMember" xlink:to="lab_slm_SMBPrivateEducationLoanTrust2023AMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel3Member_cb136d78-c1ca-4f94-be7d-1a21edae86c8_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_c63a4379-64ec-4dff-a7d7-a74800c86b64_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_TimeDepositMaturitiesYearFive_5e911f27-3b75-4fcd-9fb5-e39ee2926767_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_FinitelivedIntangibleAssetsAcquired1_ffc0fd9e-a949-430c-925d-738e175a6a49_terseLabel_en-US" xlink:label="lab_us-gaap_FinitelivedIntangibleAssetsAcquired1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Identifiable intangible assets aggregate fair value at acquisition date</link:label>
    <link:label id="lab_us-gaap_FinitelivedIntangibleAssetsAcquired1_label_en-US" xlink:label="lab_us-gaap_FinitelivedIntangibleAssetsAcquired1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets Acquired</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinitelivedIntangibleAssetsAcquired1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinitelivedIntangibleAssetsAcquired1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinitelivedIntangibleAssetsAcquired1" xlink:to="lab_us-gaap_FinitelivedIntangibleAssetsAcquired1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_b555b9c4-5a72-4bcd-a823-6d158e3e0c91_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrealizedGainLossOnDerivatives_27847719-d447-4d6e-a4c3-34f19b154357_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_UnrealizedGainLossOnDerivatives" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Unrealized (gains) losses on derivative and hedging activities, net</link:label>
    <link:label id="lab_us-gaap_UnrealizedGainLossOnDerivatives_label_en-US" xlink:label="lab_us-gaap_UnrealizedGainLossOnDerivatives" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrealized Gain (Loss) on Derivatives</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnDerivatives" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrealizedGainLossOnDerivatives"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrealizedGainLossOnDerivatives" xlink:to="lab_us-gaap_UnrealizedGainLossOnDerivatives" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_b65c6830-46e1-40c8-b428-dc34bb657684_terseLabel_en-US" xlink:label="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Antidilutive securities excluded from computation of earnings per share, less than (in shares)</link:label>
    <link:label id="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_label_en-US" xlink:label="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:to="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestExpenseAbstract_ea7b50ac-8e03-4854-934b-ce0312ac8f1c_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating expenses:</link:label>
    <link:label id="lab_us-gaap_NoninterestExpenseAbstract_label_en-US" xlink:label="lab_us-gaap_NoninterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Expense [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestExpenseAbstract" xlink:to="lab_us-gaap_NoninterestExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_InterestBearingDepositsTableTextBlock_f36a91b4-a9ac-4f9f-8d1e-e070ad097422_terseLabel_en-US" xlink:label="lab_slm_InterestBearingDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of 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" 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" 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-20241231.xsd#slm_InterestBearingDepositsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_InterestBearingDepositsTableTextBlock" xlink:to="lab_slm_InterestBearingDepositsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent_018ff074-b2b1-4ee5-ba13-a0b1a5b8a946_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, modified in period, to total financing receivables, percentage</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent" xlink:to="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear_97369d76-95c0-4906-b59e-aaefdcede9e6_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Current period gross charge-offs, Year 4</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Three Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Three Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FixedRateBorrowingsMember_0c976858-7804-4e44-891d-57228f51d97f_terseLabel_en-US" xlink:label="lab_slm_FixedRateBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Fixed Rate Borrowings [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FixedRateBorrowingsMember" xlink:href="slm-20241231.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_AccruedInterestToBeCapitalizedAbstract_ac93ac7c-60f4-43af-956c-466af3803bef_terseLabel_en-US" xlink:label="lab_slm_AccruedInterestToBeCapitalizedAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest to be capitalized</link:label>
    <link:label id="lab_slm_AccruedInterestToBeCapitalizedAbstract_label_en-US" xlink:label="lab_slm_AccruedInterestToBeCapitalizedAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued Interest to be Capitalized [Abstract]</link:label>
    <link:label id="lab_slm_AccruedInterestToBeCapitalizedAbstract_documentation_en-US" xlink:label="lab_slm_AccruedInterestToBeCapitalizedAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accrued Interest to be Capitalized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestToBeCapitalizedAbstract" xlink:href="slm-20241231.xsd#slm_AccruedInterestToBeCapitalizedAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract" xlink:to="lab_slm_AccruedInterestToBeCapitalizedAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear_3e23d91f-8bef-4734-989c-879c95ad793e_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_c6aea98d-13ee-4277-a645-9564a0c9423c_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounts and Financing Receivables [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts and Financing Receivables [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:to="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_fb3fad30-43d3-4fc0-9167-b947d58e8e82_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent_f937a8a0-d203-4fb9-b6c0-59952737f14f_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Seasoning based on monthly scheduled payments due from 37 - 48 payments</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" 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" xml:lang="en-US">Seasoning based on monthly scheduled payments due from thirty seven to forty eight payments in percent.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" xlink:to="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Goodwill_fd7f2281-b151-436d-948a-59d64a2155b4_terseLabel_en-US" xlink:label="lab_us-gaap_Goodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:label id="lab_us-gaap_Goodwill_label_en-US" xlink:label="lab_us-gaap_Goodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Goodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Goodwill" xlink:to="lab_us-gaap_Goodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LondonInterbankOfferedRateLIBOR1Member_a5c3a1d9-f896-46d0-9c3e-c527c3a3a1b9_terseLabel_en-US" xlink:label="lab_slm_LondonInterbankOfferedRateLIBOR1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">London Interbank Offered Rate (LIBOR) 1</link:label>
    <link:label id="lab_slm_LondonInterbankOfferedRateLIBOR1Member_label_en-US" xlink:label="lab_slm_LondonInterbankOfferedRateLIBOR1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">London Interbank Offered Rate (LIBOR) 1 [Member]</link:label>
    <link:label id="lab_slm_LondonInterbankOfferedRateLIBOR1Member_documentation_en-US" xlink:label="lab_slm_LondonInterbankOfferedRateLIBOR1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">London Interbank Offered Rate (LIBOR) 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LondonInterbankOfferedRateLIBOR1Member" xlink:href="slm-20241231.xsd#slm_LondonInterbankOfferedRateLIBOR1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LondonInterbankOfferedRateLIBOR1Member" xlink:to="lab_slm_LondonInterbankOfferedRateLIBOR1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashUninsuredAmount_7fd6650a-9947-4b9e-b5c5-79facc9079eb_terseLabel_en-US" xlink:label="lab_us-gaap_CashUninsuredAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits exceeding FDIC insurance limits</link:label>
    <link:label id="lab_us-gaap_CashUninsuredAmount_label_en-US" xlink:label="lab_us-gaap_CashUninsuredAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Uninsured Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashUninsuredAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashUninsuredAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashUninsuredAmount" xlink:to="lab_us-gaap_CashUninsuredAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_e3e9ceda-cfd6-48c7-9cfb-88bc3f5c50ae_terseLabel_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StockRepurchaseProgramAuthorizedAmount1_f94727d0-8d19-4b5e-a413-cdd3f7936f66_terseLabel_en-US" xlink:label="lab_srt_StockRepurchaseProgramAuthorizedAmount1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate purchase price (not to exceed)</link:label>
    <link:label id="lab_srt_StockRepurchaseProgramAuthorizedAmount1_label_en-US" xlink:label="lab_srt_StockRepurchaseProgramAuthorizedAmount1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Repurchase Program, Authorized, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StockRepurchaseProgramAuthorizedAmount1" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_StockRepurchaseProgramAuthorizedAmount1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StockRepurchaseProgramAuthorizedAmount1" xlink:to="lab_srt_StockRepurchaseProgramAuthorizedAmount1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromIncomeTaxRefunds_948caa16-d6a7-441d-8d98-336f572de98f_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIncomeTaxRefunds" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Income taxes refunded</link:label>
    <link:label id="lab_us-gaap_ProceedsFromIncomeTaxRefunds_label_en-US" xlink:label="lab_us-gaap_ProceedsFromIncomeTaxRefunds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Income Tax Refunds</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIncomeTaxRefunds" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromIncomeTaxRefunds"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromIncomeTaxRefunds" xlink:to="lab_us-gaap_ProceedsFromIncomeTaxRefunds" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset_3ab917c3-18fb-4f43-8287-922b0725ed65_terseLabel_en-US" xlink:label="lab_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash collateral pledged</link:label>
    <link:label id="lab_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset_label_en-US" xlink:label="lab_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject To Master Netting Arrangement, Collateral, Obligation To Return Cash Not Offset</link:label>
    <link:label id="lab_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset_documentation_en-US" xlink:label="lab_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject To Master Netting Arrangement, Collateral, Obligation To Return Cash Not Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset" xlink:href="slm-20241231.xsd#slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset" xlink:to="lab_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2025Member_d2502d0a-ca35-4a41-a2f1-e3d6dc03ce55_terseLabel_en-US" xlink:label="lab_slm_Maturity2025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025</link:label>
    <link:label id="lab_slm_Maturity2025Member_label_en-US" xlink:label="lab_slm_Maturity2025Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity 2025 [Member]</link:label>
    <link:label id="lab_slm_Maturity2025Member_documentation_en-US" xlink:label="lab_slm_Maturity2025Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maturity 2025</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2025Member" xlink:href="slm-20241231.xsd#slm_Maturity2025Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2025Member" xlink:to="lab_slm_Maturity2025Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestBearingDepositLiabilities_9da7b6b7-9c02-4ea1-84b1-a45aca858421_verboseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Deposits - interest-bearing</link:label>
    <link:label id="lab_us-gaap_InterestBearingDepositLiabilities_a9e555a0-6d61-44be-9daf-6fa8698f8333_totalLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_EmployeeStockOptionMember_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeStockOptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employee Stock Option</link:label>
    <link:label id="lab_us-gaap_EmployeeStockOptionMember_label_en-US" xlink:label="lab_us-gaap_EmployeeStockOptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Option [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeStockOptionMember" xlink:to="lab_us-gaap_EmployeeStockOptionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis_2e16e7c9-a8fe-4be7-be22-5cc322c4fdd0_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:to="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleTable_44a979fa-d6b2-40c0-90f9-d355696d3eba_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_Depreciation_bffadb17-71ab-4b8f-9d69-de20788c62c0_terseLabel_en-US" xlink:label="lab_us-gaap_Depreciation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation of premises and equipment</link:label>
    <link:label id="lab_us-gaap_Depreciation_016efc99-672f-4960-9a2c-88f65e14a3ef_verboseLabel_en-US" xlink:label="lab_us-gaap_Depreciation" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Depreciation of premises and equipment</link:label>
    <link:label id="lab_us-gaap_Depreciation_label_en-US" xlink:label="lab_us-gaap_Depreciation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Depreciation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Depreciation" xlink:to="lab_us-gaap_Depreciation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherExpenses_704bebba-0d68-4816-b8cc-2daf342e910b_terseLabel_en-US" xlink:label="lab_us-gaap_OtherExpenses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other operating expenses</link:label>
    <link:label id="lab_us-gaap_OtherExpenses_label_en-US" xlink:label="lab_us-gaap_OtherExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherExpenses" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherExpenses" xlink:to="lab_us-gaap_OtherExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_5147c769-2212-435a-a9a9-fa95bc695d60_terseLabel_en-US" xlink:label="lab_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Line Items]</link:label>
    <link:label id="lab_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_label_en-US" xlink:label="lab_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems" xlink:to="lab_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CriteriaForLoansToBeConsideredAsNonperforming_b0c02442-46f9-475c-8c41-5df2ea37305f_terseLabel_en-US" xlink:label="lab_slm_CriteriaForLoansToBeConsideredAsNonperforming" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Criteria for loans to be considered as nonperforming (greater than)</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" 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" 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-20241231.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_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear_05f33482-07ee-49cf-8807-c4128581b3cb_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Current period gross charge-offs, Year 3</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Two Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Two Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_07dbbf23-f9c2-41bb-874a-d2dd392c712e_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other, net</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Other Adjustments, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_efc367c5-c5b4-45b7-b505-9fb1490aa3b0_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Amortized Cost and Fair Value of Securities by Contractual Maturities</link:label>
    <link:label id="lab_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_label_en-US" xlink:label="lab_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments Classified by Contractual Maturity Date [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:to="lab_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AwardTypeAxis_838f95e2-aefc-44db-af11-bd8c87a4b7e3_terseLabel_en-US" xlink:label="lab_us-gaap_AwardTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_Maturity2046Member_e920ee0e-ca36-4502-b06d-df2091614716_terseLabel_en-US" xlink:label="lab_slm_Maturity2046Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">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" 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" xml:lang="en-US">Maturity 2046 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2046Member" xlink:href="slm-20241231.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_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_73a9c73b-03d4-4f64-b567-836b80f2aa2c_terseLabel_en-US" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments</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" 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/2024/elts/srt-2024.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_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent_85fe3162-9fc1-445b-bc99-0573643639be_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Seasoning based on monthly scheduled payments due from not yet in repayment</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" 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" 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-20241231.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_us-gaap_PropertyPlantAndEquipmentNet_6f2d80df-9aa7-42ed-9077-cec9c905112a_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Premises and equipment, net</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_7bc01c9f-43ac-4747-83e6-e13f54f5e135_totalLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_dei_IcfrAuditorAttestationFlag_5207fc45-e87f-4e40-83f9-b8c537290305_terseLabel_en-US" xlink:label="lab_dei_IcfrAuditorAttestationFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ICFR Auditor Attestation Flag</link:label>
    <link:label id="lab_dei_IcfrAuditorAttestationFlag_label_en-US" xlink:label="lab_dei_IcfrAuditorAttestationFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ICFR Auditor Attestation Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_IcfrAuditorAttestationFlag" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_IcfrAuditorAttestationFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_IcfrAuditorAttestationFlag" xlink:to="lab_dei_IcfrAuditorAttestationFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Liabilities_b4b5e274-21d3-4d01-b58d-9e09c34d1800_totalLabel_en-US" xlink:label="lab_us-gaap_Liabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total liabilities</link:label>
    <link:label id="lab_us-gaap_Liabilities_label_en-US" xlink:label="lab_us-gaap_Liabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Liabilities" xlink:to="lab_us-gaap_Liabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_OtherInvestmentNotReadilyMarketableGainLoss_c6cc69c3-a40d-47fa-ba97-e199dd412c75_terseLabel_en-US" xlink:label="lab_slm_OtherInvestmentNotReadilyMarketableGainLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain (loss) on non-marketable securities investment</link:label>
    <link:label id="lab_slm_OtherInvestmentNotReadilyMarketableGainLoss_label_en-US" xlink:label="lab_slm_OtherInvestmentNotReadilyMarketableGainLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Investment Not Readily Marketable, Gain (Loss)</link:label>
    <link:label id="lab_slm_OtherInvestmentNotReadilyMarketableGainLoss_documentation_en-US" xlink:label="lab_slm_OtherInvestmentNotReadilyMarketableGainLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Investment Not Readily Marketable, Gain (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OtherInvestmentNotReadilyMarketableGainLoss" xlink:href="slm-20241231.xsd#slm_OtherInvestmentNotReadilyMarketableGainLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_OtherInvestmentNotReadilyMarketableGainLoss" xlink:to="lab_slm_OtherInvestmentNotReadilyMarketableGainLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockDividendsPerShareCashPaid_7639523a-d7f9-4d8d-8c79-d5cff7378a6d_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareCashPaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock dividend per common share (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_CommonStockDividendsPerShareCashPaid_label_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareCashPaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Dividends, Per Share, Cash Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareCashPaid" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockDividendsPerShareCashPaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockDividendsPerShareCashPaid" xlink:to="lab_us-gaap_CommonStockDividendsPerShareCashPaid" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_12f3255e-be25-41cc-92b1-0e75962ee757_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exercisable (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Exercise Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockParOrStatedValuePerShare_869bc718-3e59-411e-9df7-5327cd38cd67_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, par value (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_CommonStockParOrStatedValuePerShare_label_en-US" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Par or Stated Value Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_977a2706-9487-471f-b8a6-7d8fcb85403d_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Share-Based Compensation Arrangements by Share-Based Payment Award [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:to="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_8c32e7ef-a821-4e78-b9d5-027be4cb09ba_terseLabel_en-US" xlink:label="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average useful life of acquired intangible assets</link:label>
    <link:label id="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_label_en-US" xlink:label="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Acquired Finite-Lived Intangible Assets, Weighted Average Useful Life</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:to="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromDividendsReceived_fc1508aa-ebe6-4d3c-bf6a-0f8eab036d4b_verboseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromDividendsReceived" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Dividends received from Sallie Mae Bank</link:label>
    <link:label id="lab_us-gaap_ProceedsFromDividendsReceived_label_en-US" xlink:label="lab_us-gaap_ProceedsFromDividendsReceived" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Dividends Received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromDividendsReceived" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromDividendsReceived"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromDividendsReceived" xlink:to="lab_us-gaap_ProceedsFromDividendsReceived" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrExpirationDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrExpirationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expiration Date</link:label>
    <link:label id="lab_ecd_TrdArrExpirationDate_label_en-US" xlink:label="lab_ecd_TrdArrExpirationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Expiration Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrExpirationDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrExpirationDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrExpirationDate" xlink:to="lab_ecd_TrdArrExpirationDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_ece6ade3-ee84-4b12-8d32-b6c6991479c5_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investing activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_5aaaa17a-5f22-4627-beb5-feea7d46d1bb_verboseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_NoninterestIncomeOtherOperatingIncome_2412be7b-927e-45bf-ba7f-f8a473bb92d6_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other income</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherOperatingIncome_label_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other Operating Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:to="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_RepaymentsMember_e85b828f-5a37-43ee-8550-12bd140e5e2c_terseLabel_en-US" xlink:label="lab_slm_RepaymentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ecd_TotalShareholderRtnAmt_terseLabel_en-US" xlink:label="lab_ecd_TotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Amount</link:label>
    <link:label id="lab_ecd_TotalShareholderRtnAmt_label_en-US" xlink:label="lab_ecd_TotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TotalShareholderRtnAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TotalShareholderRtnAmt" xlink:to="lab_ecd_TotalShareholderRtnAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_eba70314-2330-408d-82ae-47a76317ce4e_terseLabel_en-US" xlink:label="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Table]</link:label>
    <link:label id="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_label_en-US" xlink:label="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Table]</link:label>
    <link:label id="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_documentation_en-US" xlink:label="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable" xlink:href="slm-20241231.xsd#slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable" xlink:to="lab_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndDueFromBanks_e1989a0d-ba06-444b-9100-ea41f74a216d_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndDueFromBanks" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash due from depository institutions</link:label>
    <link:label id="lab_us-gaap_CashAndDueFromBanks_label_en-US" xlink:label="lab_us-gaap_CashAndDueFromBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Due from Banks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndDueFromBanks" xlink:to="lab_us-gaap_CashAndDueFromBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EqtyAwrdsAdjFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Footnote</link:label>
    <link:label id="lab_ecd_EqtyAwrdsAdjFnTextBlock_label_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsAdjFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:to="lab_ecd_EqtyAwrdsAdjFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_9307e525-5c73-4e62-9e01-16285ed40dd5_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers out of level 3</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain_fdb54b90-7bc0-45c4-9d76-ca327d6e5c7f_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Period Past Due [Domain]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_e660c0b5-b7ea-4ba5-80e7-1497dd8745cd_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating loss carryovers</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Operating Loss Carryforwards</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:to="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_UtahHousingCorporationBondsMember_bd3ccae3-2405-4678-9a9f-ee4dac55b364_terseLabel_en-US" xlink:label="lab_slm_UtahHousingCorporationBondsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Utah Housing Corporation bonds</link:label>
    <link:label id="lab_slm_UtahHousingCorporationBondsMember_label_en-US" xlink:label="lab_slm_UtahHousingCorporationBondsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Utah Housing Corporation Bonds [Member]</link:label>
    <link:label id="lab_slm_UtahHousingCorporationBondsMember_documentation_en-US" xlink:label="lab_slm_UtahHousingCorporationBondsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Utah Housing Corporation Bonds [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_UtahHousingCorporationBondsMember" xlink:href="slm-20241231.xsd#slm_UtahHousingCorporationBondsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_UtahHousingCorporationBondsMember" xlink:to="lab_slm_UtahHousingCorporationBondsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_e01b37ca-95b4-4f17-9022-d98540a14a8f_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain on Sale for Additional Loans Transferred by Bank</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" 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/2024/elts/us-gaap-2024.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_ScheduleOfTreasuryStockByClassTextBlock_5cfc72c8-c07a-4501-a0e8-7e36b1db74b8_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfTreasuryStockByClassTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Common Share Repurchases</link:label>
    <link:label id="lab_us-gaap_ScheduleOfTreasuryStockByClassTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfTreasuryStockByClassTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Treasury Stock [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTreasuryStockByClassTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfTreasuryStockByClassTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfTreasuryStockByClassTextBlock" xlink:to="lab_us-gaap_ScheduleOfTreasuryStockByClassTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventLineItems_d5bc1861-c465-444a-904a-33499e6be4d3_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event [Line Items]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventLineItems_label_en-US" xlink:label="lab_us-gaap_SubsequentEventLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventLineItems" xlink:to="lab_us-gaap_SubsequentEventLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableSalePrincipal_340aa788-9ca7-43c7-908c-6fda092b1b43_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableSalePrincipal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan principal</link:label>
    <link:label id="lab_slm_FinancingReceivableSalePrincipal_label_en-US" xlink:label="lab_slm_FinancingReceivableSalePrincipal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Sale, Principal</link:label>
    <link:label id="lab_slm_FinancingReceivableSalePrincipal_documentation_en-US" xlink:label="lab_slm_FinancingReceivableSalePrincipal" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Sale, Principal</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSalePrincipal" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSalePrincipal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableSalePrincipal" xlink:to="lab_slm_FinancingReceivableSalePrincipal" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentGross_7051d6c6-4d64-4280-95cc-9657537f3267_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentGross" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_RetirementPlanNameAxis_f1cb5684-7883-4e0b-b21e-dd14b74a748d_terseLabel_en-US" xlink:label="lab_us-gaap_RetirementPlanNameAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_28fcbcbe-34f8-4fa4-ab53-2e36c8ed6abf_negatedLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Exercised (in shares)</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable_d9f2bc7f-ed8e-4016-9507-c2c2de4a1d16_terseLabel_en-US" xlink:label="lab_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">90 Days or Greater Past Due</link:label>
    <link:label id="lab_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable_label_en-US" xlink:label="lab_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Greater Than Ninety Days Past Due Accrued Interest Receivable</link:label>
    <link:label id="lab_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable_documentation_en-US" xlink:label="lab_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Greater than ninety days past due accrued interest receivable.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable" xlink:href="slm-20241231.xsd#slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable" xlink:to="lab_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_d1da63db-24a2-4a65-8f0d-4beb042c9d3c_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_DebtInstrumentLineItems_cc19a5b1-31eb-4e07-bf0d-ad054874abc3_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentLineItems_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentLineItems" xlink:to="lab_us-gaap_DebtInstrumentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NamedExecutiveOfficersFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_NamedExecutiveOfficersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Named Executive Officers, Footnote</link:label>
    <link:label id="lab_ecd_NamedExecutiveOfficersFnTextBlock_label_en-US" xlink:label="lab_ecd_NamedExecutiveOfficersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Named Executive Officers, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NamedExecutiveOfficersFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:to="lab_ecd_NamedExecutiveOfficersFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_b5faee85-d2ca-4cad-9fef-b0f986399945_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock_36312450-b439-4b11-ad72-ee64fa8a6ddb_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill and Acquired Intangible Assets</link:label>
    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill and Intangible Assets, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:to="lab_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherAssets_3f623d9a-1109-4b83-8a70-2f20a527b8c1_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_us-gaap_OtherAssets_f1f39296-8197-4f72-860c-4d504bf326f5_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other Assets, Net</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" xml:lang="en-US">Other Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssets"/>
    <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_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations_dce37612-f2af-4ded-be6b-5dd392fa08b6_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Reductions related to the lapse of statute of limitations</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Reduction Resulting from Lapse of Applicable Statute of Limitations</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy_10f69581-f2c7-4adb-a353-ebd1c542470c_terseLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Interest Income</link:label>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy_label_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Fee and Interest Income [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:to="lab_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_TierOneofGovernmentGuarantee_74e7e57f-f3dd-4b17-8315-f52a609689ee_verboseLabel_en-US" xlink:label="lab_slm_TierOneofGovernmentGuarantee" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Tier 1 of government guarantee (at least)</link:label>
    <link:label id="lab_slm_TierOneofGovernmentGuarantee_label_en-US" xlink:label="lab_slm_TierOneofGovernmentGuarantee" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One of Government Guarantee</link:label>
    <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" xml:lang="en-US">Tier One of Government Guarantee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TierOneofGovernmentGuarantee" xlink:href="slm-20241231.xsd#slm_TierOneofGovernmentGuarantee"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_TierOneofGovernmentGuarantee" xlink:to="lab_slm_TierOneofGovernmentGuarantee" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_09f658d1-1e11-43e7-a7f0-fb2b862115e6_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average common and common equivalent shares outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_b287348c-bdec-4772-97e0-121ea04b6078_totalLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments_17cfcf5a-1e14-4a85-bb41-a877892c2234_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions for unfunded loan commitments</link:label>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments_label_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal), Existing Commitments</link:label>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments_documentation_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal), Existing Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments" xlink:to="lab_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ScheduleofDepositsTableTextBlock_6b88a46b-af42-458f-9c22-a3043e5bc261_terseLabel_en-US" xlink:label="lab_slm_ScheduleofDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_ScheduleofDepositsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ScheduleofDepositsTableTextBlock" xlink:to="lab_slm_ScheduleofDepositsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputDefaultRateMember_896fa6fd-e1f1-426f-83f5-97786bfdbf03_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputDefaultRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input, Default Rate</link:label>
    <link:label id="lab_us-gaap_MeasurementInputDefaultRateMember_label_en-US" xlink:label="lab_us-gaap_MeasurementInputDefaultRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Default Rate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDefaultRateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputDefaultRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputDefaultRateMember" xlink:to="lab_us-gaap_MeasurementInputDefaultRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet_10a27090-20c3-4a01-b4fd-6c9c06b57dfa_terseLabel_en-US" xlink:label="lab_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">(Increase) decrease in investment in subsidiaries, net</link:label>
    <link:label id="lab_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet_label_en-US" xlink:label="lab_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease (Increase) in Investments in Subsidiaries, Net</link:label>
    <link:label id="lab_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet_documentation_en-US" xlink:label="lab_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Decrease (Increase) in Investments in Subsidiaries, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet" xlink:href="slm-20241231.xsd#slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet" xlink:to="lab_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear_79642be0-7a33-4833-b529-a0d9ecaa2aef_terseLabel_en-US" xlink:label="lab_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_srt_CondensedFinancialStatementsCaptionsLineItems_8195e3a5-4bb7-44bb-87f6-e095f78ad306_terseLabel_en-US" xlink:label="lab_srt_CondensedFinancialStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/srt-2024.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_AccruedLiabilitiesFairValueDisclosure_a2da2d53-127f-49ea-b0d8-536fa6ba8511_terseLabel_en-US" xlink:label="lab_us-gaap_AccruedLiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest payable</link:label>
    <link:label id="lab_us-gaap_AccruedLiabilitiesFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_AccruedLiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued Liabilities, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedLiabilitiesFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccruedLiabilitiesFairValueDisclosure" xlink:to="lab_us-gaap_AccruedLiabilitiesFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MnpiDiscTimedForCompValFlag_terseLabel_en-US" xlink:label="lab_ecd_MnpiDiscTimedForCompValFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">MNPI Disclosure Timed for Compensation Value</link:label>
    <link:label id="lab_ecd_MnpiDiscTimedForCompValFlag_label_en-US" xlink:label="lab_ecd_MnpiDiscTimedForCompValFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">MNPI Disclosure Timed for Compensation Value [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MnpiDiscTimedForCompValFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:to="lab_ecd_MnpiDiscTimedForCompValFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Rule10b51TradingPlanMember_059eb837-38c1-48e9-a034-ec5d7cc6baaa_terseLabel_en-US" xlink:label="lab_slm_Rule10b51TradingPlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Rule 10b5-1 Trading Plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Rule10b51TradingPlanMember" xlink:href="slm-20241231.xsd#slm_Rule10b51TradingPlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Rule10b51TradingPlanMember" xlink:to="lab_slm_Rule10b51TradingPlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfDebt_cfc34937-8d02-4f67-acef-e5fe6f4da9df_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from Issuance of Debt</link:label>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Issuance of Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromIssuanceOfDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromIssuanceOfDebt" xlink:to="lab_us-gaap_ProceedsFromIssuanceOfDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockDividendRatePerDollarAmount_9f618c1b-290a-4a55-a7f7-a9f18880dcf9_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendRatePerDollarAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock dividend rate (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendRatePerDollarAmount_label_en-US" xlink:label="lab_us-gaap_PreferredStockDividendRatePerDollarAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Dividend Rate, Per-Dollar-Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePerDollarAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendRatePerDollarAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockDividendRatePerDollarAmount" xlink:to="lab_us-gaap_PreferredStockDividendRatePerDollarAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalAbstract_058c29bf-fbb7-4847-b75a-152065976466_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_CapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalAbstract" xlink:to="lab_us-gaap_CapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_f536a2f7-38e7-4e06-b473-6bf387ac2911_terseLabel_en-US" xlink:label="lab_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits, difference</link:label>
    <link:label id="lab_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_label_en-US" xlink:label="lab_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits, Fair Value Disclosure, Difference Between Carrying Value And Fair Value</link:label>
    <link:label id="lab_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_documentation_en-US" xlink:label="lab_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits, Fair Value Disclosure, Difference Between Carrying Value And Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:href="slm-20241231.xsd#slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:to="lab_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_701c6f87-7464-4d6b-a41c-944f376c9326_verboseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Current period recoveries, Year 2</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageofAggregateOutstandingLoansHeldForInvestment_2f0b093d-9a9c-4664-b91c-9c7259ac0f9f_terseLabel_en-US" xlink:label="lab_slm_PercentageofAggregateOutstandingLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of aggregate outstanding loans held for investment</link:label>
    <link:label id="lab_slm_PercentageofAggregateOutstandingLoansHeldForInvestment_label_en-US" xlink:label="lab_slm_PercentageofAggregateOutstandingLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of Aggregate Outstanding Loans Held For Investment</link:label>
    <link:label id="lab_slm_PercentageofAggregateOutstandingLoansHeldForInvestment_documentation_en-US" xlink:label="lab_slm_PercentageofAggregateOutstandingLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of Aggregate Outstanding Loans Held For Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofAggregateOutstandingLoansHeldForInvestment" xlink:href="slm-20241231.xsd#slm_PercentageofAggregateOutstandingLoansHeldForInvestment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageofAggregateOutstandingLoansHeldForInvestment" xlink:to="lab_slm_PercentageofAggregateOutstandingLoansHeldForInvestment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TypeOfAdoptionMember_1895efb5-6cc3-48bb-931b-2bdf01963910_terseLabel_en-US" xlink:label="lab_us-gaap_TypeOfAdoptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type of Adoption [Domain]</link:label>
    <link:label id="lab_us-gaap_TypeOfAdoptionMember_label_en-US" xlink:label="lab_us-gaap_TypeOfAdoptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Standards Update [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TypeOfAdoptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TypeOfAdoptionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TypeOfAdoptionMember" xlink:to="lab_us-gaap_TypeOfAdoptionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_48c08b73-c634-4d5e-be8e-d00e73a80644_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year 1</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_92e2c017-6f6e-4c09-b7a4-6a725b56084f_terseLabel_en-US" xlink:label="lab_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Software</link:label>
    <link:label id="lab_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_label_en-US" xlink:label="lab_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Software and Software Development Costs [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SoftwareAndSoftwareDevelopmentCostsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:to="lab_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ThreeMonthLIBORMember_607a8245-e617-4d33-ae3a-527cce2eed02_terseLabel_en-US" xlink:label="lab_slm_ThreeMonthLIBORMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Three Month LIBOR [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ThreeMonthLIBORMember" xlink:href="slm-20241231.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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_93385ea6-9394-4640-990e-52a32b162f3e_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares authorized to be issued under plan (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Authorized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_206fb605-6306-4c1a-b85b-001bd9d223b4_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalPeriodFocus" xlink:to="lab_dei_DocumentFiscalPeriodFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_f482d6b7-c240-4cea-8c68-ddd7757b0a41_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stated maturity, 2028</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" 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/2024/elts/us-gaap-2024.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_BusinessCombinationAcquisitionRelatedCosts_8c60254e-6be7-4b2d-bef8-756ca9067ef0_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisition related costs</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationAcquisitionRelatedCosts_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Acquisition Related Costs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:to="lab_us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllExecutiveCategoriesMember_terseLabel_en-US" xlink:label="lab_ecd_AllExecutiveCategoriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Executive Categories</link:label>
    <link:label id="lab_ecd_AllExecutiveCategoriesMember_label_en-US" xlink:label="lab_ecd_AllExecutiveCategoriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Executive Categories [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllExecutiveCategoriesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="lab_ecd_AllExecutiveCategoriesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_cccce94c-412f-4aed-abc7-7477e905b2f2_terseLabel_en-US" xlink:label="lab_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dilutive effect of stock options, restricted stock, restricted stock units, performance stock units, and Employee Stock Purchase Plan (&#8220;ESPP&#8221;) (in shares)</link:label>
    <link:label id="lab_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_label_en-US" xlink:label="lab_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Incremental Common Shares Attributable to Dilutive Effect of Share-Based Payment Arrangements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:to="lab_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquitySecuritiesMember_063b4ae8-43fe-4fc1-833b-9c39385ad28b_terseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Securities</link:label>
    <link:label id="lab_us-gaap_EquitySecuritiesMember_label_en-US" xlink:label="lab_us-gaap_EquitySecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquitySecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquitySecuritiesMember" xlink:to="lab_us-gaap_EquitySecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_4e8e9834-30ec-4e65-8144-51e474785fed_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected amortization of 2026</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear_df19acab-8dc1-4800-bbed-3ffab176daef_negatedLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ChangedPeerGroupFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ChangedPeerGroupFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changed Peer Group, Footnote</link:label>
    <link:label id="lab_ecd_ChangedPeerGroupFnTextBlock_label_en-US" xlink:label="lab_ecd_ChangedPeerGroupFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changed Peer Group, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ChangedPeerGroupFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:to="lab_ecd_ChangedPeerGroupFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_a1245459-7d90-454b-9e68-519fb7ddede5_terseLabel_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average Remaining Contractual Term, Outstanding, ending balance</link:label>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_label_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsAbstract_8d049c63-77ca-472e-b4ad-aab1f3970859_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_AssetsAbstract_14d70ed6-13f2-4638-9ee2-fe80fc8038d5_verboseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" 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" xml:lang="en-US">Assets [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsAbstract" xlink:to="lab_us-gaap_AssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_b7f7a192-c815-49a7-8edf-06cf2a59718a_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net charge-offs</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_5f8f27d7-a652-48ed-9f34-b4b3d2891223_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Current period net charge-offs, total</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax_75b0adba-2c61-447d-9140-f4f76e5b259f_totalLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income (loss), net of tax (expense) benefit</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax_0d91ae0d-c4f7-4d88-b8f8-03e9ef57b44d_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income (loss), net of tax</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Net of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_eaf49606-8eba-4c7f-a5b0-aa2d549ee24f_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected dividend rate</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Dividend Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentType_09630123-5216-4b9b-9c6f-b8ee7356d292_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentType"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeContractTypeDomain_f2616829-d674-415f-875a-6746ee3cf3bc_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeContractTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Contract [Domain]</link:label>
    <link:label id="lab_us-gaap_DerivativeContractTypeDomain_label_en-US" xlink:label="lab_us-gaap_DerivativeContractTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Contract [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeContractTypeDomain" xlink:to="lab_us-gaap_DerivativeContractTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_cdf701fa-9f8b-4693-a431-0c159e5fd772_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment</link:label>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:to="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentOfPrivateLoans_e9a54f8a-ecf2-4388-a4ab-4c54b2a429e5_terseLabel_en-US" xlink:label="lab_slm_PercentOfPrivateLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private education loans</link:label>
    <link:label id="lab_slm_PercentOfPrivateLoans_label_en-US" xlink:label="lab_slm_PercentOfPrivateLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Of Private Loans</link:label>
    <link:label id="lab_slm_PercentOfPrivateLoans_documentation_en-US" xlink:label="lab_slm_PercentOfPrivateLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent of private loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentOfPrivateLoans" xlink:href="slm-20241231.xsd#slm_PercentOfPrivateLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentOfPrivateLoans" xlink:to="lab_slm_PercentOfPrivateLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GainLossOnInvestmentsMember1_bec4c826-b2c0-40f3-bcdf-ec760a10ce10_terseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnInvestmentsMember1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on securities, net</link:label>
    <link:label id="lab_us-gaap_GainLossOnInvestmentsMember1_label_en-US" xlink:label="lab_us-gaap_GainLossOnInvestmentsMember1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Investments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnInvestmentsMember1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnInvestmentsMember1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnInvestmentsMember1" xlink:to="lab_us-gaap_GainLossOnInvestmentsMember1" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember_77620361-7246-4c45-bc4d-6091a7b0773a_terseLabel_en-US" xlink:label="lab_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted Stock Units And Performance Stock Units</link:label>
    <link:label id="lab_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember_label_en-US" xlink:label="lab_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Stock Units And Performance Stock Units [Member]</link:label>
    <link:label id="lab_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember_documentation_en-US" xlink:label="lab_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Restricted Stock Units and Performance Stock Units [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember" xlink:href="slm-20241231.xsd#slm_RestrictedStockUnitsAndPerformanceStockUnitsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember" xlink:to="lab_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_71cd4b93-c912-41e8-a124-e8de640197f7_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Liability, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration" xlink:to="lab_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_a53e73cb-8c4a-4d37-8904-5acff078e6d0_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_label_en-US" xlink:label="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:to="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_53b4dc2b-b088-49a4-8ead-d822a07f467c_terseLabel_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average Remaining Contractual Term, Exercisable, ending balance</link:label>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_label_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock_3c0f4256-0a8d-48ac-9e42-deda12ec5f87_terseLabel_en-US" xlink:label="lab_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of restricted stock units that vested and converted to common stock</link:label>
    <link:label id="lab_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock_label_en-US" xlink:label="lab_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Of Restricted Stock Units That Vested And Converted To Common Stock</link:label>
    <link:label id="lab_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock_documentation_en-US" xlink:label="lab_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total fair value of restricted stock units that vested and converted to common stock.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" xlink:href="slm-20241231.xsd#slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" xlink:to="lab_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_c7d0d64a-aaac-4ea9-be67-ef18fffa1df3_verboseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Available-for sale investments at fair value, cost</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_d242d515-40c9-42ea-abae-3f0dbecafacb_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:to="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_InterestincomefromTermDepositFacility_8cecaf9a-549f-410c-bf95-bbc12dc36e71_terseLabel_en-US" xlink:label="lab_slm_InterestincomefromTermDepositFacility" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income from term deposit facility</link:label>
    <link:label id="lab_slm_InterestincomefromTermDepositFacility_label_en-US" xlink:label="lab_slm_InterestincomefromTermDepositFacility" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest income from Term Deposit Facility</link:label>
    <link:label id="lab_slm_InterestincomefromTermDepositFacility_documentation_en-US" xlink:label="lab_slm_InterestincomefromTermDepositFacility" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest income from Term Deposit Facility</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestincomefromTermDepositFacility" xlink:href="slm-20241231.xsd#slm_InterestincomefromTermDepositFacility"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_InterestincomefromTermDepositFacility" xlink:to="lab_slm_InterestincomefromTermDepositFacility" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_541acf90-c64d-4dc5-9b95-b2da419be2ec_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans, net, Year 3</link:label>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss, Originated Two Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss, Originated Two Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventTable_ffc19b42-af62-4ece-af74-743b7362d09e_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event [Table]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventTable_label_en-US" xlink:label="lab_us-gaap_SubsequentEventTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTable" xlink:to="lab_us-gaap_SubsequentEventTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember_a004bff3-1a4e-4936-9334-e33ff39f561b_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan delinquent 60-89 days</link:label>
    <link:label id="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember_fc7af2ac-2bed-4e3e-b5b4-baf72bcb534c_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">60-89 Days Past Due</link:label>
    <link:label id="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, 60 to 89 Days Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:to="lab_us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ParentCompanyMember_1495e7d7-fcc9-4cd4-813b-0ae78aafaaa5_terseLabel_en-US" xlink:label="lab_srt_ParentCompanyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/srt-2024.xsd#srt_ParentCompanyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ParentCompanyMember" xlink:to="lab_srt_ParentCompanyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MaximumMember_b49fd104-14fc-42bc-bb4c-f787cd0cf6cd_terseLabel_en-US" xlink:label="lab_srt_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/srt-2024.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_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_5058ac4a-05aa-4f89-99c2-a60baaa5d717_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/srt-2024.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_AvailableForSaleSecuritiesAbstract_f1f909ba-3ca3-4a52-9d59-0d13a03e7044_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">12 months or more</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesAbstract_314ff23a-05ed-4796-a4ba-e0a9a2d444d3_verboseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale [Abstract]</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesAbstract_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockValueOutstanding_95c8d7ec-ef3a-4227-85b6-517e26f3194a_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockValueOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Preferred Stock, Value, Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValueOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockValueOutstanding"/>
    <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_A2022ShareRepurchaseProgramMember_6804128d-79cc-4402-a191-0cb824063814_terseLabel_en-US" xlink:label="lab_slm_A2022ShareRepurchaseProgramMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2022 Share Repurchase Program</link:label>
    <link:label id="lab_slm_A2022ShareRepurchaseProgramMember_label_en-US" xlink:label="lab_slm_A2022ShareRepurchaseProgramMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2022 Share Repurchase Program [Member]</link:label>
    <link:label id="lab_slm_A2022ShareRepurchaseProgramMember_documentation_en-US" xlink:label="lab_slm_A2022ShareRepurchaseProgramMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2022 Share Repurchase Program</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2022ShareRepurchaseProgramMember" xlink:href="slm-20241231.xsd#slm_A2022ShareRepurchaseProgramMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_A2022ShareRepurchaseProgramMember" xlink:to="lab_slm_A2022ShareRepurchaseProgramMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Valuation Assumption Difference, Footnote</link:label>
    <link:label id="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock_label_en-US" xlink:label="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Valuation Assumption Difference, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:to="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsNet_9f179715-292f-4153-9cde-8f6658e7fa93_totalLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsNet_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FurnitureAndFixturesMember_c76f2995-7c1b-43a6-9cab-6c4ea9abb338_terseLabel_en-US" xlink:label="lab_us-gaap_FurnitureAndFixturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Furniture, fixtures, and equipment</link:label>
    <link:label id="lab_us-gaap_FurnitureAndFixturesMember_label_en-US" xlink:label="lab_us-gaap_FurnitureAndFixturesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Furniture and Fixtures [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FurnitureAndFixturesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FurnitureAndFixturesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FurnitureAndFixturesMember" xlink:to="lab_us-gaap_FurnitureAndFixturesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentTypeAxis_fb23befe-ae75-4ccf-b38d-f41420ca65ce_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment Type [Axis]</link:label>
    <link:label id="lab_us-gaap_InvestmentTypeAxis_label_en-US" xlink:label="lab_us-gaap_InvestmentTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentTypeAxis" xlink:to="lab_us-gaap_InvestmentTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingLiabilitiesTableTextBlock_a6fc42f2-3210-41e8-85ec-c6468a6ad241_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_OffsettingLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:to="lab_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements_7d075348-e740-46b9-ba37-4e641692dc90_terseLabel_en-US" xlink:label="lab_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Period of deferment</link:label>
    <link:label id="lab_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements_label_en-US" xlink:label="lab_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Period Of Deferment For Adoption Of New Accounting Pronouncements</link:label>
    <link:label id="lab_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements_documentation_en-US" xlink:label="lab_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Period Of Deferment For Adoption Of New Accounting Pronouncements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" xlink:href="slm-20241231.xsd#slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" xlink:to="lab_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_e55e71dc-e63d-45df-b7af-6463190d39ec_terseLabel_en-US" xlink:label="lab_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_srt_RangeAxis_6c8f21f5-a986-42cc-86c2-7ab0e1057310_terseLabel_en-US" xlink:label="lab_srt_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Axis]</link:label>
    <link:label id="lab_srt_RangeAxis_label_en-US" xlink:label="lab_srt_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RangeAxis" xlink:to="lab_srt_RangeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonRule10b51ArrTrmntdFlag_terseLabel_en-US" xlink:label="lab_ecd_NonRule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Terminated</link:label>
    <link:label id="lab_ecd_NonRule10b51ArrTrmntdFlag_label_en-US" xlink:label="lab_ecd_NonRule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Terminated [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonRule10b51ArrTrmntdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:to="lab_ecd_NonRule10b51ArrTrmntdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_OtherLiabilitiesReserve_84265d15-74b1-4df5-926d-729ea5fa66fa_terseLabel_en-US" xlink:label="lab_slm_OtherLiabilitiesReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other liabilities reserve</link:label>
    <link:label id="lab_slm_OtherLiabilitiesReserve_label_en-US" xlink:label="lab_slm_OtherLiabilitiesReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Liabilities Reserve</link:label>
    <link:label id="lab_slm_OtherLiabilitiesReserve_documentation_en-US" xlink:label="lab_slm_OtherLiabilitiesReserve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Liabilities Reserve</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OtherLiabilitiesReserve" xlink:href="slm-20241231.xsd#slm_OtherLiabilitiesReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_OtherLiabilitiesReserve" xlink:to="lab_slm_OtherLiabilitiesReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_b2301346-4791-4137-8658-41de4184cc0d_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Income before income tax expense</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonPeoNeoAvgTotalCompAmt_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoAvgTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Total Compensation Amount</link:label>
    <link:label id="lab_ecd_NonPeoNeoAvgTotalCompAmt_label_en-US" xlink:label="lab_ecd_NonPeoNeoAvgTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Total Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonPeoNeoAvgTotalCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:to="lab_ecd_NonPeoNeoAvgTotalCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_2fd9c894-63cf-426c-a4fe-4e562b3af9a8_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed assets</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Property, Plant and Equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:to="lab_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_75e206b8-1e01-4e35-8c33-f6679ec321ad_terseLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income:</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_label_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OutstandingRecoveryIndName_terseLabel_en-US" xlink:label="lab_ecd_OutstandingRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_OutstandingRecoveryIndName_label_en-US" xlink:label="lab_ecd_OutstandingRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Recovery, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OutstandingRecoveryIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OutstandingRecoveryIndName" xlink:to="lab_ecd_OutstandingRecoveryIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_1d1ab62d-cfe7-47fd-b07a-c68a1becf1a5_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchase price</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear_e5e0cbcf-7d3b-4f1e-a2ea-cd6de0f5c43e_negatedLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Current period gross charge-offs, Year 2</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityExpirationPeriod_65370e37-716a-43f7-9cda-9222d1e83b5f_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityExpirationPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of credit facility, expiration period</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityExpirationPeriod_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityExpirationPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Expiration Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityExpirationPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityExpirationPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityExpirationPeriod" xlink:to="lab_us-gaap_LineOfCreditFacilityExpirationPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgPredtrmndFlag_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgPredtrmndFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing Predetermined</link:label>
    <link:label id="lab_ecd_AwardTmgPredtrmndFlag_label_en-US" xlink:label="lab_ecd_AwardTmgPredtrmndFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Predetermined [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgPredtrmndFlag" xlink:to="lab_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_066e0490-b9cb-42fb-aab8-81a45c9945d5_totalLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total accrued interest by origination vintage</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_label_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued Interest, Origination Vintage, before Allowance for Credit Loss</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued Interest, Origination Vintage, before Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" xlink:to="lab_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_6a2adf06-3888-4fd1-a069-cbfe6314358d_terseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gains (losses) on securities, net</link:label>
    <link:label id="lab_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_86b5a7a4-cbb9-4040-97de-325faa31b0ea_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">(Gains) losses on securities, net</link:label>
    <link:label id="lab_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_label_en-US" xlink:label="lab_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Sales of Mortgage-Backed Securities (MBS)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS" xlink:to="lab_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventTypeDomain_c500fca2-c73d-4e66-b35f-b85fa066beae_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Domain]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventTypeDomain_label_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTypeDomain" xlink:to="lab_us-gaap_SubsequentEventTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsOfDividendsCommonStock_f8a698ed-3985-4a77-9fee-bf9547324cfa_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_Maturity2058Member_8cd4251e-1dc7-42bd-9835-ae240b0f1a82_terseLabel_en-US" xlink:label="lab_slm_Maturity2058Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2058</link:label>
    <link:label id="lab_slm_Maturity2058Member_label_en-US" xlink:label="lab_slm_Maturity2058Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity 2058 [Member]</link:label>
    <link:label id="lab_slm_Maturity2058Member_documentation_en-US" xlink:label="lab_slm_Maturity2058Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maturity 2058</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2058Member" xlink:href="slm-20241231.xsd#slm_Maturity2058Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2058Member" xlink:to="lab_slm_Maturity2058Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentRedemptionPricePercentage_6285fbd0-8abd-408a-9597-0fad3e6a9a1c_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPricePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Redemption price</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentRedemptionPricePercentage_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPricePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Redemption Price, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPricePercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentRedemptionPricePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPricePercentage" xlink:to="lab_us-gaap_DebtInstrumentRedemptionPricePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CustomerRelationshipsMember_c0691af5-87b6-4e86-8490-4c22f7a89993_terseLabel_en-US" xlink:label="lab_us-gaap_CustomerRelationshipsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer relationships</link:label>
    <link:label id="lab_us-gaap_CustomerRelationshipsMember_label_en-US" xlink:label="lab_us-gaap_CustomerRelationshipsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Customer Relationships [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerRelationshipsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CustomerRelationshipsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CustomerRelationshipsMember" xlink:to="lab_us-gaap_CustomerRelationshipsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareDiluted_7edcf180-871d-49c5-b0cc-1c20a79bb4ff_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Diluted earnings per common share (in usd per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareDiluted_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareDiluted" xlink:to="lab_us-gaap_EarningsPerShareDiluted" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CurrentIncomeTaxExpenseBenefit_99b863b9-e6ca-4aa9-aaea-6094f5fdae03_totalLabel_en-US" xlink:label="lab_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock_terseLabel_en-US" xlink:label="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement does not require Recovery</link:label>
    <link:label id="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock_label_en-US" xlink:label="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Does Not Require Recovery [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:to="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AccruedInterestReceivableTableTextBlock_1e849c57-a6c8-4f47-b7d1-18385a4f8c59_terseLabel_en-US" xlink:label="lab_slm_AccruedInterestReceivableTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Accrued Interest Receivable</link:label>
    <link:label id="lab_slm_AccruedInterestReceivableTableTextBlock_label_en-US" xlink:label="lab_slm_AccruedInterestReceivableTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued Interest Receivable [Table Text Block]</link:label>
    <link:label id="lab_slm_AccruedInterestReceivableTableTextBlock_documentation_en-US" xlink:label="lab_slm_AccruedInterestReceivableTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accrued interest receivable.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableTableTextBlock" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AccruedInterestReceivableTableTextBlock" xlink:to="lab_slm_AccruedInterestReceivableTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_c2974f02-0902-4d20-af6d-af4cba565b03_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_label_en-US" xlink:label="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:to="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditCardMember_254101f0-cee7-445d-9261-0d5e520f1581_terseLabel_en-US" xlink:label="lab_us-gaap_CreditCardMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Card</link:label>
    <link:label id="lab_us-gaap_CreditCardMember_label_en-US" xlink:label="lab_us-gaap_CreditCardMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Card [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditCardMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditCardMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditCardMember" xlink:to="lab_us-gaap_CreditCardMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree_c71fafd7-7eca-49e5-865e-20d9971edc24_terseLabel_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable rate</link:label>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree_label_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Reimbursement On All Qualifying Default Claims Period Three</link:label>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree_documentation_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage reimbursement on all qualifying default claims period three.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" xlink:href="slm-20241231.xsd#slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" xlink:to="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_1ac4905b-b225-42d8-a6bc-e8e1e25ccfe6_terseLabel_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vesting percentage</link:label>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_label_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Rights, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CompensationAndRetirementDisclosureAbstract_7fd68292-4fd7-401a-85ae-dae214814fc5_terseLabel_en-US" xlink:label="lab_us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retirement Benefits [Abstract]</link:label>
    <link:label id="lab_us-gaap_CompensationAndRetirementDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retirement Benefits [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:to="lab_us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_60479e32-e6cc-4293-ab6d-af53d3bfd415_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:to="lab_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_4ab53de0-7428-45df-b04a-ea6dc9514047_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employer matching contribution percentage</link:label>
    <link:label id="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_label_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Contribution Plan, Employer Matching Contribution, Percent of Employees' Gross Pay</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:to="lab_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockSharesIssued_1f1a8d5c-a115-4cdd-b871-008c9fd9b822_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, shares issued (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesIssued_label_en-US" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Shares Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesIssued" xlink:to="lab_us-gaap_PreferredStockSharesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesAbstract_c5be92e6-1e5d-487f-9831-1cef61e332eb_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax liabilities:</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Gross [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesAbstract" xlink:to="lab_us-gaap_DeferredTaxLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfFinancialPositionAbstract_1672913c-876d-45ad-bf6e-569f5e5b6363_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of Financial Position [Abstract]</link:label>
    <link:label id="lab_us-gaap_StatementOfFinancialPositionAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Financial Position [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract" xlink:to="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList_32c89816-0432-499b-8c01-c88dbda75637_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList_label_en-US" xlink:label="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList" xlink:to="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_UncommittedFederalFunds_816921aa-88dd-4290-a145-93861fafb7f8_terseLabel_en-US" xlink:label="lab_slm_UncommittedFederalFunds" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Uncommitted federal funds</link:label>
    <link:label id="lab_slm_UncommittedFederalFunds_label_en-US" xlink:label="lab_slm_UncommittedFederalFunds" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Uncommitted Federal Funds</link:label>
    <link:label id="lab_slm_UncommittedFederalFunds_documentation_en-US" xlink:label="lab_slm_UncommittedFederalFunds" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Uncommitted Federal Funds</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_UncommittedFederalFunds" xlink:href="slm-20241231.xsd#slm_UncommittedFederalFunds"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_UncommittedFederalFunds" xlink:to="lab_slm_UncommittedFederalFunds" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositsAbstract_6f2d1633-3e6c-4790-aae8-5b4467858173_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits [Abstract]</link:label>
    <link:label id="lab_us-gaap_DepositsAbstract_label_en-US" xlink:label="lab_us-gaap_DepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositsAbstract" xlink:to="lab_us-gaap_DepositsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_5c686b59-5233-4de9-9444-9b7552064f59_verboseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Less: provisions for credit losses</link:label>
    <link:label id="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_46fb331c-a01a-4856-afa5-715833fb0bd0_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions for credit losses</link:label>
    <link:label id="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_57fefdb2-8177-4d52-b3d9-4eab885329ea_totalLabel_en-US" xlink:label="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Provisions for credit losses</link:label>
    <link:label id="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_label_en-US" xlink:label="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable And Off-Balance Sheet, Excluding Accrued Interest, Credit Loss, Expense (Reversal)</link:label>
    <link:label id="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable And Off-Balance Sheet, Excluding Accrued Interest, Credit Loss, Expense (Reversal)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" xlink:to="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_fdf0bdff-0b6e-4366-ba2d-1f7229de0dbf_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Included in earnings (or changes in net assets)</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_4292f3c3-9855-4d2b-98d9-167bccea48f1_totalLabel_en-US" xlink:label="lab_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total SLM Corporation stockholders&#8217; equity before treasury stock</link:label>
    <link:label id="lab_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_label_en-US" xlink:label="lab_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stockholders' Equity Attributable to Parent, Excluding Treasury Stock</link:label>
    <link:label id="lab_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_documentation_en-US" xlink:label="lab_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Stockholders' Equity Attributable to Parent, Excluding Treasury Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock" xlink:href="slm-20241231.xsd#slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock" xlink:to="lab_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesOther_32215772-6351-4722-b1d3-deae16b721a9_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesOther_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesOther" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesOther" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxLiabilitiesOther"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesOther" xlink:to="lab_us-gaap_DeferredTaxLiabilitiesOther" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue_1dbd3fe9-c124-475f-a776-7fab828ee442_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of shares vested</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.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_ProfitLoss_65733095-8890-4a9c-a019-dbedd92ea999_totalLabel_en-US" xlink:label="lab_us-gaap_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net income</link:label>
    <link:label id="lab_us-gaap_ProfitLoss_97f9d382-436f-4116-b5f8-67ba04696391_terseLabel_en-US" xlink:label="lab_us-gaap_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income</link:label>
    <link:label id="lab_us-gaap_ProfitLoss_5fe37b54-2b0a-4eb8-9ebb-39168e202a71_verboseLabel_en-US" xlink:label="lab_us-gaap_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net income</link:label>
    <link:label id="lab_us-gaap_ProfitLoss_label_en-US" xlink:label="lab_us-gaap_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss), Including Portion Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProfitLoss" xlink:to="lab_us-gaap_ProfitLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_55e9ee76-f82c-4cfc-9c11-d32ed1eac25c_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income tax expense</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_0fc4be71-48a6-4681-84b9-2c9e3b9134d9_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Provision for income tax expense</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_9a224b0b-0e35-450f-8c39-70fd4f1b382f_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Income tax benefit</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_7b9dedfd-7818-42c1-8dba-d30d33099647_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear_12ac155b-418e-4ab4-abcb-f162404bebba_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans, net, Year 2</link:label>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeNotionalAmount_810c9577-b9d4-4158-8e9f-14ed336ddd41_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notional derivative contracts</link:label>
    <link:label id="lab_us-gaap_DerivativeNotionalAmount_868eac05-0117-470e-9c42-6f71c86340c5_netLabel_en-US" xlink:label="lab_us-gaap_DerivativeNotionalAmount" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Notional value</link:label>
    <link:label id="lab_us-gaap_DerivativeNotionalAmount_e07e35f7-9168-42f4-92fa-cdafa3c51fe0_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Notional Values</link:label>
    <link:label id="lab_us-gaap_DerivativeNotionalAmount_label_en-US" xlink:label="lab_us-gaap_DerivativeNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Notional Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeNotionalAmount"/>
    <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_us-gaap_DerivativeAssets_881ad332-b3ae-4ae2-81a1-5d5b236615b0_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Assets</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_9bd895d3-a09a-4417-807f-c467af775f2b_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Derivative values with impact of master netting agreements (as carried on balance sheet)</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_b4951308-30a4-420d-8916-f435301e3bc0_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Derivative instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_label_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssets" xlink:to="lab_us-gaap_DerivativeAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_f4f16994-332a-4ffa-8a68-cb22ccc7c790_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average period for total unrecognized compensation cost</link:label>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_label_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:to="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositTimeDeposits_ede11bc7-4e1b-43f4-86f7-f67545afd521_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Certificates of deposit</link:label>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositTimeDeposits_label_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Rate Domestic Deposit, Time Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositTimeDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageRateDomesticDepositTimeDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositTimeDeposits" xlink:to="lab_us-gaap_WeightedAverageRateDomesticDepositTimeDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain_89195a35-0613-49e2-9461-052917457e7f_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment [Domain]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:to="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_779904b6-a69c-414b-9964-a34b57cf1c47_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of Comprehensive Income [Abstract]</link:label>
    <link:label id="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Comprehensive Income [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:to="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashEquivalentsAtCarryingValue_235bd092-f37b-4ac7-b6df-07a1810b5d3f_terseLabel_en-US" xlink:label="lab_us-gaap_CashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Outstanding cash equivalents</link:label>
    <link:label id="lab_us-gaap_CashEquivalentsAtCarryingValue_label_en-US" xlink:label="lab_us-gaap_CashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Equivalents, at Carrying Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashEquivalentsAtCarryingValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashEquivalentsAtCarryingValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashEquivalentsAtCarryingValue" xlink:to="lab_us-gaap_CashEquivalentsAtCarryingValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseAbstract_2b6d3612-de02-4969-8af7-e1dced947217_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Interest Expense, Operating and Nonoperating [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.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_us-gaap_NetCashProvidedByUsedInInvestingActivities_fa6c5932-af8f-47c4-a7ab-31995902dc2d_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total net cash provided by (used in) investing activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpense_8ce47fa6-62f9-42ca-be9d-a016c05ed8b8_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpense_label_en-US" xlink:label="lab_us-gaap_InterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Operating and Nonoperating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpense" xlink:to="lab_us-gaap_InterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024R1Member_6244e08b-4158-4e77-9387-616c80f84d97_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024R1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024-R1 ABS transaction</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024R1Member_label_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024R1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-R1 [Member]</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024R1Member_documentation_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024R1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-R1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024R1Member" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024R1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SMBPrivateEducationLoanTrust2024R1Member" xlink:to="lab_slm_SMBPrivateEducationLoanTrust2024R1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositsFairValueDisclosure_60a31d92-5760-4aa3-9c23-ed111989d16d_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_DepositsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_DepositsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositsFairValueDisclosure" xlink:to="lab_us-gaap_DepositsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessAcquisitionLineItems_d532c3f4-37b1-49c0-b5e9-02b1d147982b_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Acquisition [Line Items]</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionLineItems_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisition [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems" xlink:to="lab_us-gaap_BusinessAcquisitionLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LeverageRatiosAbstract_f66c1d22-4e7b-4776-b409-f790cb1dc227_terseLabel_en-US" xlink:label="lab_us-gaap_LeverageRatiosAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Well Capitalized Regulatory Requirements, Ratio</link:label>
    <link:label id="lab_us-gaap_LeverageRatiosAbstract_label_en-US" xlink:label="lab_us-gaap_LeverageRatiosAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Leverage Ratio [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeverageRatiosAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LeverageRatiosAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LeverageRatiosAbstract" xlink:to="lab_us-gaap_LeverageRatiosAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FICOscoregreaterthan750Member_e14425d7-470c-4979-a92b-ea6a018b9577_terseLabel_en-US" xlink:label="lab_slm_FICOscoregreaterthan750Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Greater than or equal to 750</link:label>
    <link:label id="lab_slm_FICOscoregreaterthan750Member_label_en-US" xlink:label="lab_slm_FICOscoregreaterthan750Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FICO score greater than 750 [Member]</link:label>
    <link:label id="lab_slm_FICOscoregreaterthan750Member_documentation_en-US" xlink:label="lab_slm_FICOscoregreaterthan750Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">FICO score greater than 750 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscoregreaterthan750Member" xlink:href="slm-20241231.xsd#slm_FICOscoregreaterthan750Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FICOscoregreaterthan750Member" xlink:to="lab_slm_FICOscoregreaterthan750Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllAdjToCompMember_terseLabel_en-US" xlink:label="lab_ecd_AllAdjToCompMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Adjustments to Compensation</link:label>
    <link:label id="lab_ecd_AllAdjToCompMember_label_en-US" xlink:label="lab_ecd_AllAdjToCompMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Adjustments to Compensation [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllAdjToCompMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="lab_ecd_AllAdjToCompMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_edf7586d-d9b2-4c52-981a-26bfd0c7876f_negatedLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans allowance for losses, Year 6</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated Five Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated Five Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear"/>
    <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_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear_497f655f-075f-41fe-93c3-df12d0c42f07_terseLabel_en-US" xlink:label="lab_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DepositsPolicyTextBlock_6772305d-0255-43a2-97dd-194136edb118_terseLabel_en-US" xlink:label="lab_slm_DepositsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Deposits [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DepositsPolicyTextBlock" xlink:href="slm-20241231.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_AdditionalPaidInCapital_8466ffb9-0b9e-4d58-94be-09bc36ab6ae5_terseLabel_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional paid-in capital</link:label>
    <link:label id="lab_us-gaap_AdditionalPaidInCapital_c38eb453-5c1d-4dd7-9a05-670f004c6d74_verboseLabel_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Additional paid-in capital</link:label>
    <link:label id="lab_us-gaap_AdditionalPaidInCapital_label_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional Paid in Capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdditionalPaidInCapital" xlink:to="lab_us-gaap_AdditionalPaidInCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShortTermDebtTypeDomain_8a54615d-a5fb-4760-9143-15a3eab06b42_terseLabel_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Short-Term Debt, Type [Domain]</link:label>
    <link:label id="lab_us-gaap_ShortTermDebtTypeDomain_label_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short-Term Debt, Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain" xlink:to="lab_us-gaap_ShortTermDebtTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_274516c6-4e96-4ff6-b491-42d596d0ce3d_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Table]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:to="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_3e792704-e1e4-49b6-950b-270c45592dc9_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Abstract]</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgedLiabilityFairValueHedge_bf19cc33-ccc4-42f4-9fc2-d203b5737f7a_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_HedgedLiabilityFairValueHedge" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Carrying Amount of the Hedged Assets/(Liabilities)</link:label>
    <link:label id="lab_us-gaap_HedgedLiabilityFairValueHedge_label_en-US" xlink:label="lab_us-gaap_HedgedLiabilityFairValueHedge" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedged Liability, Fair Value Hedge</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityFairValueHedge" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgedLiabilityFairValueHedge"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgedLiabilityFairValueHedge" xlink:to="lab_us-gaap_HedgedLiabilityFairValueHedge" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo_abff046f-3d4e-4bc9-a871-e71775cb69f7_terseLabel_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage reimbursement on all qualifying default claims period two (as a percentage)</link:label>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo_label_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Reimbursement On All Qualifying Ffelp Default Claims Period Two</link:label>
    <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" 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-20241231.xsd#slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" xlink:to="lab_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_9cca2eff-431c-4525-a271-1911d7eeb266_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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" 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-20241231.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_DefinedContributionPlanDisclosureLineItems_1ee4cefc-ece4-435f-95c6-ae939ad76718_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Contribution Plan Disclosure [Line Items]</link:label>
    <link:label id="lab_us-gaap_DefinedContributionPlanDisclosureLineItems_label_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Contribution Plan Disclosure [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanDisclosureLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DefinedContributionPlanDisclosureLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedContributionPlanDisclosureLineItems" xlink:to="lab_us-gaap_DefinedContributionPlanDisclosureLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentOfBalanceAbstract_a23b2fa8-d16a-4c33-bfa7-0eb884300b83_terseLabel_en-US" xlink:label="lab_slm_PercentOfBalanceAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">% of Balance</link:label>
    <link:label id="lab_slm_PercentOfBalanceAbstract_label_en-US" xlink:label="lab_slm_PercentOfBalanceAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percent Of Balance [Abstract]</link:label>
    <link:label id="lab_slm_PercentOfBalanceAbstract_documentation_en-US" xlink:label="lab_slm_PercentOfBalanceAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent Of Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentOfBalanceAbstract" xlink:href="slm-20241231.xsd#slm_PercentOfBalanceAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentOfBalanceAbstract" xlink:to="lab_slm_PercentOfBalanceAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_EmployeeStockPurchasePlanMember_5ddd4977-8ff6-4c27-abc3-3c6618caf983_terseLabel_en-US" xlink:label="lab_slm_EmployeeStockPurchasePlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Employee Stock Purchase Plan [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_EmployeeStockPurchasePlanMember" xlink:href="slm-20241231.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_44de51ae-1514-4113-ac48-29e908368aa1_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans in forbearance, Year 1</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Originated In Current Fiscal Year</link:label>
    <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" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Originated In Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock_e6bbf18d-ca0f-4c5f-bf35-ca77c743c51a_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/srt-2024.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_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_f951014c-de6a-44d7-9147-1cafb4687ae0_terseLabel_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TradingSecurities_b2c7274f-e547-42e1-a190-0e3442366786_terseLabel_en-US" xlink:label="lab_us-gaap_TradingSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Interests</link:label>
    <link:label id="lab_us-gaap_TradingSecurities_label_en-US" xlink:label="lab_us-gaap_TradingSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Trading, and Equity Securities, FV-NI</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TradingSecurities" xlink:to="lab_us-gaap_TradingSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_21871a50-b400-40d7-a13e-4dba526253bc_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent</link:label>
    <link:label id="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:to="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_WithCosignerMember_91ee1bb5-8c4a-40f4-9ff3-6f7524e0b4a2_terseLabel_en-US" xlink:label="lab_slm_WithCosignerMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">With cosigner</link:label>
    <link:label id="lab_slm_WithCosignerMember_label_en-US" xlink:label="lab_slm_WithCosignerMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">With Cosigner [Member]</link:label>
    <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" xml:lang="en-US">With Cosigner [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_WithCosignerMember" xlink:href="slm-20241231.xsd#slm_WithCosignerMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_WithCosignerMember" xlink:to="lab_slm_WithCosignerMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongtermDebtTypeDomain_420fd780-651e-4866-82c8-2938ab0bf700_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term Debt, Type [Domain]</link:label>
    <link:label id="lab_us-gaap_LongtermDebtTypeDomain_label_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongtermDebtTypeDomain" xlink:to="lab_us-gaap_LongtermDebtTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressStateOrProvince_822528a7-4a63-47be-8ccc-ec98fa00175c_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:label id="lab_dei_EntityAddressStateOrProvince_label_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressStateOrProvince"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressStateOrProvince" xlink:to="lab_dei_EntityAddressStateOrProvince" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_InterestRateReductionAndTermExtensionMember_da0404fc-79b2-4f71-855b-943ebea07b0e_terseLabel_en-US" xlink:label="lab_slm_InterestRateReductionAndTermExtensionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Combination - Interest Rate Reduction and Term Extension</link:label>
    <link:label id="lab_slm_InterestRateReductionAndTermExtensionMember_label_en-US" xlink:label="lab_slm_InterestRateReductionAndTermExtensionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Reduction And Term Extension [Member]</link:label>
    <link:label id="lab_slm_InterestRateReductionAndTermExtensionMember_documentation_en-US" xlink:label="lab_slm_InterestRateReductionAndTermExtensionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Rate Reduction And Term Extension</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestRateReductionAndTermExtensionMember" xlink:href="slm-20241231.xsd#slm_InterestRateReductionAndTermExtensionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_InterestRateReductionAndTermExtensionMember" xlink:to="lab_slm_InterestRateReductionAndTermExtensionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_70fb56ea-30bc-4edd-896e-61f2b97603c0_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosure [Abstract]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:to="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_0bf463ae-ebd0-4cc3-8741-7295b096e8d8_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year 4</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear_f9f49934-fc07-4267-bac1-f1c364a2c0b0_terseLabel_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ErrCompAnalysisTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ErrCompAnalysisTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Erroneous Compensation Analysis</link:label>
    <link:label id="lab_ecd_ErrCompAnalysisTextBlock_label_en-US" xlink:label="lab_ecd_ErrCompAnalysisTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Erroneous Compensation Analysis [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ErrCompAnalysisTextBlock" xlink:to="lab_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear_b94132b1-8f84-4e86-8cf6-9586d4d3fb61_terseLabel_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear_9da3e019-c9a0-4425-a1cd-7197794d6f84_terseLabel_en-US" xlink:label="lab_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Loans Gross, Originated Five Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" xlink:to="lab_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_bf869bf4-dc94-4ed7-b701-e3431e9ea013_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:to="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems_48d5a271-a0c6-4234-8ddb-3492645b3640_terseLabel_en-US" xlink:label="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</link:label>
    <link:label id="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems_label_en-US" xlink:label="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:to="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_53d032d8-9545-40a9-9089-86055f2c7b30_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans in forbearance, Year 3</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Year Three, Originated, Two Years before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Year Three, Originated, Two Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_5752ec0a-597c-4e59-b08c-acd716d8120c_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities and Equity</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities and Equity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_86ad64a7-43ae-4459-adae-0a1d136b06fc_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_c5cf9b35-e5ba-4a58-bfd8-8d68e6588657_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_5e08734b-e1d0-4e99-9590-f1cf78d1f667_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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" 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:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_ae78566f-6030-44c0-a03a-6cf24abcea45_terseLabel_en-US" xlink:label="lab_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_61e2a87b-47f0-48b2-a16f-e75ee121979a_terseLabel_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RisksAndUncertaintiesAbstract_69388601-798e-4524-97e2-24dd59b3c21a_terseLabel_en-US" xlink:label="lab_us-gaap_RisksAndUncertaintiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risks and Uncertainties [Abstract]</link:label>
    <link:label id="lab_us-gaap_RisksAndUncertaintiesAbstract_label_en-US" xlink:label="lab_us-gaap_RisksAndUncertaintiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risks and Uncertainties [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RisksAndUncertaintiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RisksAndUncertaintiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RisksAndUncertaintiesAbstract" xlink:to="lab_us-gaap_RisksAndUncertaintiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NitroCollegeMember_8b8ec8c6-1739-41c5-818d-055e48fbcb40_terseLabel_en-US" xlink:label="lab_slm_NitroCollegeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nitro</link:label>
    <link:label id="lab_slm_NitroCollegeMember_label_en-US" xlink:label="lab_slm_NitroCollegeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Nitro College [Member]</link:label>
    <link:label id="lab_slm_NitroCollegeMember_documentation_en-US" xlink:label="lab_slm_NitroCollegeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Nitro College</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NitroCollegeMember" xlink:href="slm-20241231.xsd#slm_NitroCollegeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NitroCollegeMember" xlink:to="lab_slm_NitroCollegeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDeterminationDate_terseLabel_en-US" xlink:label="lab_ecd_RestatementDeterminationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement Determination Date</link:label>
    <link:label id="lab_ecd_RestatementDeterminationDate_label_en-US" xlink:label="lab_ecd_RestatementDeterminationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Determination Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RestatementDeterminationDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDeterminationDate" xlink:to="lab_ecd_RestatementDeterminationDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember_21ecec54-b63d-407a-8643-8975f14e6cd6_terseLabel_en-US" xlink:label="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember_label_en-US" xlink:label="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimate of Fair Value Measurement [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:to="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PvpTable_terseLabel_en-US" xlink:label="lab_ecd_PvpTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure</link:label>
    <link:label id="lab_ecd_PvpTable_label_en-US" xlink:label="lab_ecd_PvpTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PvpTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PvpTable" xlink:to="lab_ecd_PvpTable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent_bc1f9475-d611-444f-b924-1e785b7de953_terseLabel_en-US" xlink:label="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Options granted, exercise price multiplier</link:label>
    <link:label id="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent_label_en-US" xlink:label="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercise Price, Multiplier, Percent</link:label>
    <link:label id="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent_documentation_en-US" xlink:label="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercise Price, Multiplier, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent" xlink:href="slm-20241231.xsd#slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent" xlink:to="lab_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoanspledgedtoBorrowerinCustody_7490de43-5ae7-44fa-b7bd-55bbb596798b_terseLabel_en-US" xlink:label="lab_slm_LoanspledgedtoBorrowerinCustody" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans pledged to borrower in custody</link:label>
    <link:label id="lab_slm_LoanspledgedtoBorrowerinCustody_label_en-US" xlink:label="lab_slm_LoanspledgedtoBorrowerinCustody" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans pledged to Borrower in Custody</link:label>
    <link:label id="lab_slm_LoanspledgedtoBorrowerinCustody_documentation_en-US" xlink:label="lab_slm_LoanspledgedtoBorrowerinCustody" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans pledged to Borrower in Custody</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoanspledgedtoBorrowerinCustody" xlink:href="slm-20241231.xsd#slm_LoanspledgedtoBorrowerinCustody"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoanspledgedtoBorrowerinCustody" xlink:to="lab_slm_LoanspledgedtoBorrowerinCustody" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_88819e37-b028-4a60-99bb-145b6e871b68_terseLabel_en-US" xlink:label="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Parent Only Statements</link:label>
    <link:label id="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Financial Information of Parent Company Only Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:to="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod_364250bd-605e-4e6a-a2bb-61e4083cdee8_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reduction to retained earnings</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses, Effect of Change in Method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock_e4d8bd9f-307a-4648-bcd9-e823e8f56e9f_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Amortized Cost and Fair Value of Securities Available-for-Sale</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Available-for-Sale Securities Reconciliation [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_49430fa1-00a2-40a6-ab79-435c16008af5_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:to="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_8c912e42-35c3-46f9-b645-0cf864a17d7d_negatedTerseLabel_en-US" xlink:label="lab_slm_PaymentsToAcquireTradingSecuritiesHeldForSale" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Increase in trading investments</link:label>
    <link:label id="lab_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_869614f4-82e5-4873-ba84-0a334dba8280_terseLabel_en-US" xlink:label="lab_slm_PaymentsToAcquireTradingSecuritiesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase in trading investments</link:label>
    <link:label id="lab_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_label_en-US" xlink:label="lab_slm_PaymentsToAcquireTradingSecuritiesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments To Acquire Trading Securities Held-For-Sale</link:label>
    <link:label id="lab_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_documentation_en-US" xlink:label="lab_slm_PaymentsToAcquireTradingSecuritiesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payments To Acquire Trading Securities Held-For-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PaymentsToAcquireTradingSecuritiesHeldForSale" xlink:href="slm-20241231.xsd#slm_PaymentsToAcquireTradingSecuritiesHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PaymentsToAcquireTradingSecuritiesHeldForSale" xlink:to="lab_slm_PaymentsToAcquireTradingSecuritiesHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_a0ef19be-6ed7-4549-8153-7b4adda23a4a_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_3035100c-ac4b-4b3c-b1ce-91c3af34e863_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock_fa78a2bd-2346-4452-b116-80a792e24049_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Securities Financing Transactions</link:label>
    <link:label id="lab_us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Securities Financing Transactions [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock" xlink:to="lab_us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ErrCompRecoveryTable_terseLabel_en-US" xlink:label="lab_ecd_ErrCompRecoveryTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Erroneously Awarded Compensation Recovery</link:label>
    <link:label id="lab_ecd_ErrCompRecoveryTable_label_en-US" xlink:label="lab_ecd_ErrCompRecoveryTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Erroneously Awarded Compensation Recovery [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ErrCompRecoveryTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="lab_ecd_ErrCompRecoveryTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossLineItems_a0ddb71c-ad89-4353-b98a-d96e4388823b_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Line Items]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossLineItems_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:to="lab_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_6536f127-0993-47ef-be80-b67de2efbefc_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_87487cfa-3a72-43ed-9b35-8aa0975f5eed_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_25a4734e-7460-4e47-a50d-f50c6bfcfedd_terseLabel_en-US" xlink:label="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Financial Information Disclosure [Abstract]</link:label>
    <link:label id="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_label_en-US" xlink:label="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Financial Information Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:to="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentsAbstract_5faf349f-1f8a-4935-a7de-93fccbacc77a_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_ShortTermDebtTypeAxis_03d9fd4c-41c6-442e-b158-a5a51d5f751b_terseLabel_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Short-Term Debt, Type [Axis]</link:label>
    <link:label id="lab_us-gaap_ShortTermDebtTypeAxis_label_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short-Term Debt, Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermDebtTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis" xlink:to="lab_us-gaap_ShortTermDebtTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentAbstract_adc8cd9d-287f-408f-a9ba-90e5db930b81_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Abstract]</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentAbstract_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentAbstract" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_CA_a93628be-8460-4194-8af9-a91e72d692ff_terseLabel_en-US" xlink:label="lab_stpr_CA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">California</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" xml:lang="en-US">CALIFORNIA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CA" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.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_us-gaap_FinancialLiabilitiesFairValueDisclosure_6d817edc-334c-4045-b199-e31051456eca_totalLabel_en-US" xlink:label="lab_us-gaap_FinancialLiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_EarningsPerShareTextBlock_58caf381-abc6-4143-9c9d-664a15d2671f_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings Per Common Share</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareTextBlock_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareTextBlock" xlink:to="lab_us-gaap_EarningsPerShareTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2039Member_9d67b1a3-0bd2-40e9-8d0d-15df53422ce0_terseLabel_en-US" xlink:label="lab_slm_Maturity2039Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2039</link:label>
    <link:label id="lab_slm_Maturity2039Member_label_en-US" xlink:label="lab_slm_Maturity2039Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity 2039 [Member]</link:label>
    <link:label id="lab_slm_Maturity2039Member_documentation_en-US" xlink:label="lab_slm_Maturity2039Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maturity 2039 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2039Member" xlink:href="slm-20241231.xsd#slm_Maturity2039Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2039Member" xlink:to="lab_slm_Maturity2039Member" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FloatingRateBorrowingsMember_2e516505-7593-442f-9a7f-d91074032e58_terseLabel_en-US" xlink:label="lab_slm_FloatingRateBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Floating-rate borrowings</link:label>
    <link:label id="lab_slm_FloatingRateBorrowingsMember_label_en-US" xlink:label="lab_slm_FloatingRateBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Floating Rate Borrowings [Member]</link:label>
    <link:label id="lab_slm_FloatingRateBorrowingsMember_documentation_en-US" xlink:label="lab_slm_FloatingRateBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Floating Rate Borrowings [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FloatingRateBorrowingsMember" xlink:href="slm-20241231.xsd#slm_FloatingRateBorrowingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FloatingRateBorrowingsMember" xlink:to="lab_slm_FloatingRateBorrowingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventMember_c0d9e8dc-becb-4da1-9f87-947bb84b4970_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event</link:label>
    <link:label id="lab_us-gaap_SubsequentEventMember_label_en-US" xlink:label="lab_us-gaap_SubsequentEventMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventMember" xlink:to="lab_us-gaap_SubsequentEventMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock_eee1f83b-0aef-4e80-b6e8-088a33556165_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Black-Scholes Model Assumptions for Calculating ESPP Fair Values</link:label>
    <link:label id="lab_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Share-Based Payment Award, Employee Stock Purchase Plan, Valuation Assumptions [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_40c34a48-1ebe-4844-a8bd-30c50033b9da_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized gains (losses) on cash flow hedges</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, after Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_9ebdf60b-33f5-4a8e-845d-a00a672d719a_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Granted (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.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_IncomeTaxPolicyTextBlock_b5f221f8-af73-4f36-8649-f6f4fb4ddae7_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_ecd_PeerGroupIssuersFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_PeerGroupIssuersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Peer Group Issuers, Footnote</link:label>
    <link:label id="lab_ecd_PeerGroupIssuersFnTextBlock_label_en-US" xlink:label="lab_ecd_PeerGroupIssuersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Peer Group Issuers, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeerGroupIssuersFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:to="lab_ecd_PeerGroupIssuersFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentDomain_e8906be8-df12-4e8f-beb6-271cef9c2cbc_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segments [Domain]</link:label>
    <link:label id="lab_us-gaap_SegmentDomain_label_en-US" xlink:label="lab_us-gaap_SegmentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentDomain" xlink:to="lab_us-gaap_SegmentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherDebtSecuritiesMember_1bd6c3a0-495a-4640-b101-bcd2f8b94fae_terseLabel_en-US" xlink:label="lab_us-gaap_OtherDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other securities</link:label>
    <link:label id="lab_us-gaap_OtherDebtSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_OtherDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Debt Obligations [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherDebtSecuritiesMember" xlink:to="lab_us-gaap_OtherDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossTax_834fd77a-b51b-4069-b8fa-7c243dbbe638_negatedLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossTax" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Income tax (expense) benefit</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossTax" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember_e177a2d7-9fdd-4cbd-a90c-a49643053bbb_terseLabel_en-US" xlink:label="lab_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Floating Rate Non-Cumulative Preferred Stock, Series B, par value $.20 per share</link:label>
    <link:label id="lab_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember_label_en-US" xlink:label="lab_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Floating Rate Non-Cumulative Preferred Stock, Series B, par value $.20 per share [Member]</link:label>
    <link:label id="lab_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember_documentation_en-US" xlink:label="lab_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Floating Rate Non-Cumulative Preferred Stock, Series B, par value $.20 per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember" xlink:href="slm-20241231.xsd#slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember" xlink:to="lab_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_fec74486-0690-4a9c-b677-e7d6f8c5c601_terseLabel_en-US" xlink:label="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_label_en-US" xlink:label="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:to="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_EstimatedWeightedAverageLifeOfStudentLoans_ff7e8461-757b-4794-8005-0a35ae656f18_terseLabel_en-US" xlink:label="lab_slm_EstimatedWeightedAverageLifeOfStudentLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated weighted average life of student loans</link:label>
    <link:label id="lab_slm_EstimatedWeightedAverageLifeOfStudentLoans_label_en-US" xlink:label="lab_slm_EstimatedWeightedAverageLifeOfStudentLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimated Weighted Average Life Of Student Loans</link:label>
    <link:label id="lab_slm_EstimatedWeightedAverageLifeOfStudentLoans_documentation_en-US" xlink:label="lab_slm_EstimatedWeightedAverageLifeOfStudentLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Estimated weighted average life of student loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_EstimatedWeightedAverageLifeOfStudentLoans" xlink:href="slm-20241231.xsd#slm_EstimatedWeightedAverageLifeOfStudentLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_EstimatedWeightedAverageLifeOfStudentLoans" xlink:to="lab_slm_EstimatedWeightedAverageLifeOfStudentLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments_21e31c35-92f1-4272-bbe9-82c1f46d9641_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provisions for loan losses</link:label>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments_label_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal), New Commitments</link:label>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments_documentation_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal), New Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalNewCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments" xlink:to="lab_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CapitalLossValuationAllowance_bf1207b7-08ca-43c4-8df5-1f84bfdafc42_terseLabel_en-US" xlink:label="lab_slm_CapitalLossValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized losses in valuation allowance</link:label>
    <link:label id="lab_slm_CapitalLossValuationAllowance_label_en-US" xlink:label="lab_slm_CapitalLossValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital Loss, Valuation Allowance</link:label>
    <link:label id="lab_slm_CapitalLossValuationAllowance_documentation_en-US" xlink:label="lab_slm_CapitalLossValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Capital Loss, Valuation Allowance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CapitalLossValuationAllowance" xlink:href="slm-20241231.xsd#slm_CapitalLossValuationAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CapitalLossValuationAllowance" xlink:to="lab_slm_CapitalLossValuationAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract_7811ab7c-2e1c-4bc2-8bd8-695ef4588ef8_terseLabel_en-US" xlink:label="lab_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Flow Hedges</link:label>
    <link:label id="lab_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract_label_en-US" xlink:label="lab_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effect of Cash Flow Hedges on Results of Operations [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract" xlink:to="lab_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TrademarksAndTradeNamesMember_c10c88d3-9e88-4d1f-aa82-d24eae288489_terseLabel_en-US" xlink:label="lab_us-gaap_TrademarksAndTradeNamesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tradename and trademarks</link:label>
    <link:label id="lab_us-gaap_TrademarksAndTradeNamesMember_label_en-US" xlink:label="lab_us-gaap_TrademarksAndTradeNamesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trademarks and Trade Names [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrademarksAndTradeNamesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TrademarksAndTradeNamesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TrademarksAndTradeNamesMember" xlink:to="lab_us-gaap_TrademarksAndTradeNamesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DebtInstrumentFaceAmountMaturityToCallDate_a4e955d5-bc2e-4a51-9001-5f34883e41ed_totalLabel_en-US" xlink:label="lab_slm_DebtInstrumentFaceAmountMaturityToCallDate" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total principal amount, maturity to call date</link:label>
    <link:label id="lab_slm_DebtInstrumentFaceAmountMaturityToCallDate_label_en-US" xlink:label="lab_slm_DebtInstrumentFaceAmountMaturityToCallDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Face Amount, Maturity To Call Date</link:label>
    <link:label id="lab_slm_DebtInstrumentFaceAmountMaturityToCallDate_documentation_en-US" xlink:label="lab_slm_DebtInstrumentFaceAmountMaturityToCallDate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Instrument, Face Amount, Maturity To Call Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate" xlink:href="slm-20241231.xsd#slm_DebtInstrumentFaceAmountMaturityToCallDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate" xlink:to="lab_slm_DebtInstrumentFaceAmountMaturityToCallDate" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear_4eca7544-66e7-469b-bb48-bcc55be83078_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total accrued interest by origination vintage, Year 4</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued interest, Origination Vintage, Originated Three Years before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued interest, Origination Vintage, Originated Three Years before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_d899e339-67c7-4f36-bc55-990868e2ff32_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans, net, Year 4</link:label>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss, Originated Three Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss, Originated Three Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoMember_terseLabel_en-US" xlink:label="lab_ecd_PeoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO</link:label>
    <link:label id="lab_ecd_PeoMember_label_en-US" xlink:label="lab_ecd_PeoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoMember" xlink:to="lab_ecd_PeoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrIndName_terseLabel_en-US" xlink:label="lab_ecd_TrdArrIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_TrdArrIndName_label_en-US" xlink:label="lab_ecd_TrdArrIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrIndName" xlink:to="lab_ecd_TrdArrIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_IncreaseDecreaseinDuefromSubsidiariesNet_a745d4c1-f399-4004-9b94-7ea44a60e22d_negatedTerseLabel_en-US" xlink:label="lab_slm_IncreaseDecreaseinDuefromSubsidiariesNet" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Decrease in due from subsidiaries, net</link:label>
    <link:label id="lab_slm_IncreaseDecreaseinDuefromSubsidiariesNet_label_en-US" xlink:label="lab_slm_IncreaseDecreaseinDuefromSubsidiariesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Due from Subsidiaries, Net</link:label>
    <link:label id="lab_slm_IncreaseDecreaseinDuefromSubsidiariesNet_documentation_en-US" xlink:label="lab_slm_IncreaseDecreaseinDuefromSubsidiariesNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Due from Subsidiaries, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncreaseDecreaseinDuefromSubsidiariesNet" xlink:href="slm-20241231.xsd#slm_IncreaseDecreaseinDuefromSubsidiariesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_IncreaseDecreaseinDuefromSubsidiariesNet" xlink:to="lab_slm_IncreaseDecreaseinDuefromSubsidiariesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseDeposits_65378354-e73a-47dc-b2e7-6a0e323ff51f_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_InterestExpenseDeposits_label_en-US" xlink:label="lab_us-gaap_InterestExpenseDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseDeposits" xlink:to="lab_us-gaap_InterestExpenseDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans_7db3cd4f-55cd-4011-8f6a-4951b51f8c20_terseLabel_en-US" xlink:label="lab_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans</link:label>
    <link:label id="lab_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans_label_en-US" xlink:label="lab_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Carrying Amount Of Assets Securing Debt Outstanding Loans</link:label>
    <link:label id="lab_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans_documentation_en-US" xlink:label="lab_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Carrying Amount Of Assets Securing Debt Outstanding Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans" xlink:href="slm-20241231.xsd#slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans" xlink:to="lab_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_38ab0c00-e0c8-4919-b00b-7aac23342479_terseLabel_en-US" xlink:label="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_b2ded363-1995-493a-9855-860eca754496_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Current period net charge-offs, Year 5</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Four Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Four Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract_65e30307-e298-43ac-8613-c2e03ce77de9_terseLabel_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average Remaining Contractual Term</link:label>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract_label_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis_6f4e9c3d-4541-4693-98f4-7fa9207f2f06_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Type [Axis]</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Lived Tangible Asset [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherNoninterestExpense_ccc89fd5-8b02-4e91-80a6-ba9c559465e4_terseLabel_en-US" xlink:label="lab_us-gaap_OtherNoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_dei_EntityPublicFloat_5df4032b-d447-4b24-a477-2fdc9806593d_terseLabel_en-US" xlink:label="lab_dei_EntityPublicFloat" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Entity Public Float</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityPublicFloat" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityPublicFloat"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityPublicFloat" xlink:to="lab_dei_EntityPublicFloat" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalized_a7f927c1-b469-4ad0-b7c4-5a12b04d422a_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_04a05bd8-6627-4ade-a3d7-094675903bf7_totalLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans in forbearance, total</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_label_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Loans In Forbearance, before Allowance for Credit Loss</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_documentation_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Loans In Forbearance, before Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" xlink:to="lab_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockCommonValue_4c3dee66-724b-4532-84cc-18d25a5fb296_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonValue" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Less: Common stock held in treasury at cost: 230.2 million and 217.9 million shares, respectively</link:label>
    <link:label id="lab_us-gaap_TreasuryStockCommonValue_be8ba3e3-7ba3-48e9-ac4a-652c5de1b1f3_negatedLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonValue" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Less: Common stock held in treasury at cost: 230.2 million and 217.9 million shares, respectively</link:label>
    <link:label id="lab_us-gaap_TreasuryStockCommonValue_label_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Common, Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockCommonValue" xlink:to="lab_us-gaap_TreasuryStockCommonValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_4f111e89-b5e6-4496-aaba-5a2d40f668e0_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unused fee percentage</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Unused Capacity, Commitment Fee Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage" xlink:to="lab_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings_12fa6b54-a9c6-4f10-af5c-dbabf7ed7b0f_terseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest recognized on derivatives</link:label>
    <link:label id="lab_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings_label_en-US" xlink:label="lab_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Fair Value Hedges Recognized in Earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings" xlink:to="lab_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases_e07f7a79-7e38-4890-9792-0066aefbedd2_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans</link:label>
    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases_label_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Fee Income, Loans and Leases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:to="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures, Table</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:to="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositSavings_6808878a-c842-45b6-846a-7636bc8779c2_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositSavings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Savings</link:label>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositSavings_label_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositSavings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Rate Domestic Deposit, Savings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositSavings" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageRateDomesticDepositSavings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositSavings" xlink:to="lab_us-gaap_WeightedAverageRateDomesticDepositSavings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_efbe116a-45ce-4df3-ae39-a4543e811c13_terseLabel_en-US" xlink:label="lab_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FFELP Loans</link:label>
    <link:label id="lab_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_8729ce27-f8f5-4797-830e-2c84d498a81c_verboseLabel_en-US" xlink:label="lab_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">FFELP Loans</link:label>
    <link:label id="lab_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_label_en-US" xlink:label="lab_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Family Education Loan Program (FFELP) Guaranteed Loans [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember" xlink:to="lab_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus_4c09399b-d73a-43a8-b614-29192d55148a_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate offered to borrowers facing financial difficulty</link:label>
    <link:label id="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus_label_en-US" xlink:label="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status</link:label>
    <link:label id="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus_documentation_en-US" xlink:label="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:href="slm-20241231.xsd#slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:to="lab_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsRecordedInvestment_4bc706ad-190e-4292-8533-d8b48967be59_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, modified, accumulated</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsRecordedInvestment_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Accumulated</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:to="lab_us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year</link:label>
    <link:label id="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember_label_en-US" xlink:label="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:to="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure_ea5538ec-3eef-43ee-b27b-26acd9511522_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:to="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_A2021ShareRepurchaseProgramMember_0a17ce87-775d-419d-8534-ae201b2692f8_terseLabel_en-US" xlink:label="lab_slm_A2021ShareRepurchaseProgramMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2021 Share Repurchase Program</link:label>
    <link:label id="lab_slm_A2021ShareRepurchaseProgramMember_label_en-US" xlink:label="lab_slm_A2021ShareRepurchaseProgramMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2021 Share Repurchase Program [Member]</link:label>
    <link:label id="lab_slm_A2021ShareRepurchaseProgramMember_documentation_en-US" xlink:label="lab_slm_A2021ShareRepurchaseProgramMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2021 Share Repurchase Program</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2021ShareRepurchaseProgramMember" xlink:href="slm-20241231.xsd#slm_A2021ShareRepurchaseProgramMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_A2021ShareRepurchaseProgramMember" xlink:to="lab_slm_A2021ShareRepurchaseProgramMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible_8cc94b35-1369-4a76-813f-b73832fafc4a_terseLabel_en-US" xlink:label="lab_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Possible decrease in uncertain tax position</link:label>
    <link:label id="lab_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible_label_en-US" xlink:label="lab_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease in Unrecognized Tax Benefits is Reasonably Possible</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible" xlink:to="lab_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DeferredTaxAssetsOtherIncludingValuationAllowance_187cf089-033c-4e0a-8d97-a6d2a2d82a2c_terseLabel_en-US" xlink:label="lab_slm_DeferredTaxAssetsOtherIncludingValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_slm_DeferredTaxAssetsOtherIncludingValuationAllowance_label_en-US" xlink:label="lab_slm_DeferredTaxAssetsOtherIncludingValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets Other Including Valuation Allowance</link:label>
    <link:label id="lab_slm_DeferredTaxAssetsOtherIncludingValuationAllowance_documentation_en-US" xlink:label="lab_slm_DeferredTaxAssetsOtherIncludingValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred tax assets other including valuation allowance.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxAssetsOtherIncludingValuationAllowance" xlink:href="slm-20241231.xsd#slm_DeferredTaxAssetsOtherIncludingValuationAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DeferredTaxAssetsOtherIncludingValuationAllowance" xlink:to="lab_slm_DeferredTaxAssetsOtherIncludingValuationAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy_7e99bb18-41ef-4f70-867e-e6325f4ef0b3_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Transfers and Servicing of Financial Assets, Transfers of Financial Assets, Sales, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy" xlink:to="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtErrCompAmt_terseLabel_en-US" xlink:label="lab_ecd_AggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Amount</link:label>
    <link:label id="lab_ecd_AggtErrCompAmt_label_en-US" xlink:label="lab_ecd_AggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtErrCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtErrCompAmt" xlink:to="lab_ecd_AggtErrCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LocalPhoneNumber_b0ad0fce-0ffb-40ce-aee4-afcb4c7f9dc1_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtLongtermAndShorttermCombinedAmount_1457a26a-e38b-4439-a66f-2726f298df8b_totalLabel_en-US" xlink:label="lab_us-gaap_DebtLongtermAndShorttermCombinedAmount" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_ecd_AggtErrCompNotYetDeterminedTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Not Yet Determined</link:label>
    <link:label id="lab_ecd_AggtErrCompNotYetDeterminedTextBlock_label_en-US" xlink:label="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Not Yet Determined [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:to="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2055Member_b7f7dab7-e7a6-4109-8477-ce77c538d508_terseLabel_en-US" xlink:label="lab_slm_Maturity2055Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2055</link:label>
    <link:label id="lab_slm_Maturity2055Member_label_en-US" xlink:label="lab_slm_Maturity2055Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity 2055 [Member]</link:label>
    <link:label id="lab_slm_Maturity2055Member_documentation_en-US" xlink:label="lab_slm_Maturity2055Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maturity 2055</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2055Member" xlink:href="slm-20241231.xsd#slm_Maturity2055Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2055Member" xlink:to="lab_slm_Maturity2055Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_612190ce-ab9b-4a2e-adee-0517d54c9640_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Purchase of subsidiary, net of cash acquired</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments to Acquire Interest in Subsidiaries and Affiliates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates" xlink:to="lab_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingExpenses_1d7eb992-2865-491a-ac0d-d54a904a808c_totalLabel_en-US" xlink:label="lab_us-gaap_OperatingExpenses" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_c4c084c5-fe18-4c13-943a-52a35d92bd10_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Provision for current period</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_343bd1e1-790a-4e19-b365-31d08269a105_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Intrinsic Value</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Additional Disclosures [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_d3927d97-4ad1-4540-9684-36958fcece7e_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year 5</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeniorUnsecuredNotesDueNovember22026Member_be514e0c-2a1a-4300-a325-294aeecb3602_terseLabel_en-US" xlink:label="lab_slm_SeniorUnsecuredNotesDueNovember22026Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior Unsecured Notes Due November 2, 2026</link:label>
    <link:label id="lab_slm_SeniorUnsecuredNotesDueNovember22026Member_label_en-US" xlink:label="lab_slm_SeniorUnsecuredNotesDueNovember22026Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Unsecured Notes Due November 2, 2026 [Member]</link:label>
    <link:label id="lab_slm_SeniorUnsecuredNotesDueNovember22026Member_documentation_en-US" xlink:label="lab_slm_SeniorUnsecuredNotesDueNovember22026Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Senior Unsecured Notes Due November 2, 2026</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueNovember22026Member" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueNovember22026Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeniorUnsecuredNotesDueNovember22026Member" xlink:to="lab_slm_SeniorUnsecuredNotesDueNovember22026Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_28c184c4-b112-4a36-b061-1ba3277eccb4_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for credit losses</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuredOvernightFinancingRateSofrMember_8c3b9ba3-4236-4bca-a1e2-2779fb527907_terseLabel_en-US" xlink:label="lab_us-gaap_SecuredOvernightFinancingRateSofrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured Overnight Financing Rate (SOFR)</link:label>
    <link:label id="lab_us-gaap_SecuredOvernightFinancingRateSofrMember_label_en-US" xlink:label="lab_us-gaap_SecuredOvernightFinancingRateSofrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured Overnight Financing Rate (SOFR) [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredOvernightFinancingRateSofrMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SecuredOvernightFinancingRateSofrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuredOvernightFinancingRateSofrMember" xlink:to="lab_us-gaap_SecuredOvernightFinancingRateSofrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_7e3074aa-558d-45ad-a1f8-f15ca708f3ff_terseLabel_en-US" xlink:label="lab_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_ecd_PeoTotalCompAmt_terseLabel_en-US" xlink:label="lab_ecd_PeoTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Total Compensation Amount</link:label>
    <link:label id="lab_ecd_PeoTotalCompAmt_label_en-US" xlink:label="lab_ecd_PeoTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Total Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoTotalCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoTotalCompAmt" xlink:to="lab_ecd_PeoTotalCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeMember_99bf084e-adf5-4b82-b283-34a4da216ee1_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Income - Investments</link:label>
    <link:label id="lab_us-gaap_InterestIncomeMember_label_en-US" xlink:label="lab_us-gaap_InterestIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeMember" xlink:to="lab_us-gaap_InterestIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiability_c98ef678-da6b-4759-9867-8a1f921b34ea_negatedLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" 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" xml:lang="en-US">Derivative Liability, Subject to Master Netting Arrangement, before Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.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_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded_bf9f79f7-0021-48d4-a9a8-5b7defe7a2d2_negatedTerseLabel_en-US" xlink:label="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Transfer - funded loans</link:label>
    <link:label id="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded_label_en-US" xlink:label="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability, Commitments Funded</link:label>
    <link:label id="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded_documentation_en-US" xlink:label="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability, Commitments Funded</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" xlink:href="slm-20241231.xsd#slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" xlink:to="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain_8132b2a9-b65d-4b30-986b-8cad78c54a42_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Type [Domain]</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Lived Tangible Asset [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember_ead3893e-261c-4633-b446-31336bd249cc_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">1-12 payments</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember_label_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From One To Twelve Payments [Member]</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember_documentation_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From One To Twelve Payments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember" xlink:to="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeStatementLocationAxis_6896c860-d9ef-4173-a693-fa7bc4a6413b_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeStatementLocationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of Income Location, Balance [Axis]</link:label>
    <link:label id="lab_us-gaap_IncomeStatementLocationAxis_label_en-US" xlink:label="lab_us-gaap_IncomeStatementLocationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Income Location, Balance [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementLocationAxis" xlink:to="lab_us-gaap_IncomeStatementLocationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestPayableCurrent_4b9514d9-eb00-42e8-a31c-f18588ccb732_terseLabel_en-US" xlink:label="lab_us-gaap_InterestPayableCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest on deposits</link:label>
    <link:label id="lab_us-gaap_InterestPayableCurrent_label_en-US" xlink:label="lab_us-gaap_InterestPayableCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Payable, Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestPayableCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestPayableCurrent" xlink:to="lab_us-gaap_InterestPayableCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalToRiskWeightedAssets_802108b3-b791-4505-8c1f-bd4de81a8d2f_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Capital (to Risk-Weighted Assets)</link:label>
    <link:label id="lab_us-gaap_CapitalToRiskWeightedAssets_label_en-US" xlink:label="lab_us-gaap_CapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Risk-Based Capital Ratio, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalToRiskWeightedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CapitalToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalToRiskWeightedAssets" xlink:to="lab_us-gaap_CapitalToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear_773abfc2-6c1f-49b1-852a-070a2b84037b_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Current period gross charge-offs, Year 5</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Four Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Four Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_a90bafb9-725b-423f-babe-2050b0c84f2e_terseLabel_en-US" xlink:label="lab_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">U.S. government-sponsored enterprises and Treasuries</link:label>
    <link:label id="lab_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">US Government-sponsored Enterprises Debt Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:to="lab_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtDisclosureAbstract_2dde360b-edb4-4770-a31f-ae499ea62d48_terseLabel_en-US" xlink:label="lab_us-gaap_DebtDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Disclosure [Abstract]</link:label>
    <link:label id="lab_us-gaap_DebtDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_DebtDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtDisclosureAbstract" xlink:to="lab_us-gaap_DebtDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_5428462f-f8f5-4328-9b8d-222a381584c0_terseLabel_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans in forbearance, Year 3</link:label>
    <link:label id="lab_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans In Repayment, Originated Two Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans In Repayment, Originated Two Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockMember_a29470ed-ad5e-45b9-969f-a39802b37af2_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock</link:label>
    <link:label id="lab_us-gaap_CommonStockMember_label_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockMember" xlink:to="lab_us-gaap_CommonStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityAbstract_2acb052e-3be1-4564-8de9-690d128eb1d7_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured borrowings:</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityAbstract_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityAbstract" xlink:to="lab_us-gaap_LineOfCreditFacilityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedFinancialStatementsTable_95d4bfc0-377c-4a2f-b3fa-3c67a7e40e09_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Financial Statements [Table]</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedFinancialStatementsTable_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Financial Statements [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ScheduleOfCondensedFinancialStatementsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:to="lab_srt_ScheduleOfCondensedFinancialStatementsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ExcessOfNetAssetFairValueOverCarryingValue_80814600-0619-4c83-a0ba-0b2fe3e3ca78_terseLabel_en-US" xlink:label="lab_slm_ExcessOfNetAssetFairValueOverCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_ExcessOfNetAssetFairValueOverCarryingValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ExcessOfNetAssetFairValueOverCarryingValue" xlink:to="lab_slm_ExcessOfNetAssetFairValueOverCarryingValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Capital_8c3dc2ec-b11d-4a54-b605-e586601659bc_terseLabel_en-US" xlink:label="lab_us-gaap_Capital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Capital (to Risk-Weighted Assets)</link:label>
    <link:label id="lab_us-gaap_Capital_label_en-US" xlink:label="lab_us-gaap_Capital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Capital" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Capital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Capital" xlink:to="lab_us-gaap_Capital" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeCollateralRightToReclaimCash_cd5abcc2-aacd-4a30-a541-b0db265ead4b_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash collateral pledged</link:label>
    <link:label id="lab_us-gaap_DerivativeCollateralRightToReclaimCash_label_en-US" xlink:label="lab_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Subject to Master Netting Arrangement, Collateral, Right to Reclaim Cash Not Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:to="lab_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Expense of Enforcement, Amount</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Expense of Enforcement, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:to="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SchollyIncMember_3563a69a-3df9-4169-8ef0-d0b334860d3b_terseLabel_en-US" xlink:label="lab_slm_SchollyIncMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Scholly, Inc.</link:label>
    <link:label id="lab_slm_SchollyIncMember_label_en-US" xlink:label="lab_slm_SchollyIncMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Scholly, Inc. [Member]</link:label>
    <link:label id="lab_slm_SchollyIncMember_documentation_en-US" xlink:label="lab_slm_SchollyIncMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Scholly, Inc.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchollyIncMember" xlink:href="slm-20241231.xsd#slm_SchollyIncMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SchollyIncMember" xlink:to="lab_slm_SchollyIncMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_9d54f9fe-8a1f-4388-8290-9f508a2063cc_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Business Acquisitions, by Acquisition [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Business Acquisitions, by Acquisition [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:to="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GainLossOnSaleOfNotesReceivable_bcf69463-5526-4816-9133-5f585ba42914_terseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain (loss) on sale of financing receivable</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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:to="lab_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2023DMember_5b955e58-c221-43db-a1bf-9a10a46d50f4_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2023DMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2023-D ABS transaction</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2023DMember_label_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2023DMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2023-D [Member]</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2023DMember_documentation_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2023DMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2023-D</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023DMember" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023DMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SMBPrivateEducationLoanTrust2023DMember" xlink:to="lab_slm_SMBPrivateEducationLoanTrust2023DMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_5fe9877b-e53e-46c5-a252-d226bd27a65f_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_LongtermDebtWeightedAverageInterestRate_0ca6c985-4528-4af5-a322-d75a73c5567c_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtWeightedAverageInterestRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongtermDebtWeightedAverageInterestRate" xlink:to="lab_us-gaap_LongtermDebtWeightedAverageInterestRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentReportingAbstract_label_en-US" xlink:label="lab_us-gaap_SegmentReportingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingAbstract" xlink:to="lab_us-gaap_SegmentReportingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_2f750518-3bd1-4150-8596-1174f2cdebc1_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Shares repurchased related to employee stock-based compensation plans (in shares)</link:label>
    <link:label id="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_f8615993-f191-461e-b456-e1bd5f012ce3_terseLabel_en-US" xlink:label="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares repurchased related to employee stock-based compensation plans (in shares)</link:label>
    <link:label id="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Shares Withheld for Tax Withholding Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.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_dei_EntityCentralIndexKey_b1b8a275-bb86-417b-8410-d5c5768d3a12_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent_5bd585a9-a240-40ea-98f1-e301ed79455f_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Seasoning based on monthly scheduled payments due from more than 48 payments</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" 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" 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-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" xlink:to="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditScoreFicoAxis_bbf39972-414d-4179-b462-9580c1aae4c6_terseLabel_en-US" xlink:label="lab_us-gaap_CreditScoreFicoAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Score, FICO [Axis]</link:label>
    <link:label id="lab_us-gaap_CreditScoreFicoAxis_label_en-US" xlink:label="lab_us-gaap_CreditScoreFicoAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Score, FICO [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditScoreFicoAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditScoreFicoAxis" xlink:to="lab_us-gaap_CreditScoreFicoAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CashduefromFederalReserveBank_37c83432-ae0e-4865-ba10-72aadeea8ef7_terseLabel_en-US" xlink:label="lab_slm_CashduefromFederalReserveBank" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash due from Federal Reserve Bank</link:label>
    <link:label id="lab_slm_CashduefromFederalReserveBank_label_en-US" xlink:label="lab_slm_CashduefromFederalReserveBank" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash due from Federal Reserve Bank</link:label>
    <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" xml:lang="en-US">Cash due from Federal Reserve Bank</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CashduefromFederalReserveBank" xlink:href="slm-20241231.xsd#slm_CashduefromFederalReserveBank"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CashduefromFederalReserveBank" xlink:to="lab_slm_CashduefromFederalReserveBank" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_2cc861f8-2239-484a-90c9-b113697320e4_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoanDefermentMember_9fb0cb30-c70f-424b-9f76-f3caf6405b6f_terseLabel_en-US" xlink:label="lab_slm_LoanDefermentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Deferment</link:label>
    <link:label id="lab_slm_LoanDefermentMember_label_en-US" xlink:label="lab_slm_LoanDefermentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Deferment [Member]</link:label>
    <link:label id="lab_slm_LoanDefermentMember_documentation_en-US" xlink:label="lab_slm_LoanDefermentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan Deferment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoanDefermentMember" xlink:href="slm-20241231.xsd#slm_LoanDefermentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoanDefermentMember" xlink:to="lab_slm_LoanDefermentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffBalanceSheetCreditLossLiability_d362bce3-e68b-4709-8408-7a86ded67041_periodStartLabel_en-US" xlink:label="lab_us-gaap_OffBalanceSheetCreditLossLiability" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_OffBalanceSheetCreditLossLiability_a8cc06f3-de3a-4ed0-9b62-c6c83c5020db_periodEndLabel_en-US" xlink:label="lab_us-gaap_OffBalanceSheetCreditLossLiability" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_OffBalanceSheetCreditLossLiability_3fba7e50-2499-49db-aa87-ffb3c6c036b3_terseLabel_en-US" xlink:label="lab_us-gaap_OffBalanceSheetCreditLossLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liability for unfunded commitments</link:label>
    <link:label id="lab_us-gaap_OffBalanceSheetCreditLossLiability_label_en-US" xlink:label="lab_us-gaap_OffBalanceSheetCreditLossLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Off-Balance-Sheet, Credit Loss, Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffBalanceSheetCreditLossLiability" xlink:to="lab_us-gaap_OffBalanceSheetCreditLossLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Compensation Actually Paid Amount</link:label>
    <link:label id="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt_label_en-US" xlink:label="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Compensation Actually Paid Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonPeoNeoAvgCompActuallyPaidAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:to="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember_f36816fc-49c0-4934-9e0e-2e8cb2e060c6_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Not yet in repayment</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember_label_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From Not Yet In Repayment [Member]</link:label>
    <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" 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-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember" xlink:to="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock_00acdbe6-e0f2-4364-9efa-47ee53389c38_terseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stockholders' Equity</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:to="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit_84da794f-696c-49b9-b8c3-240594c14310_terseLabel_en-US" xlink:label="lab_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net 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" 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" 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-20241231.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_ecd_AwardTmgHowMnpiCnsdrdTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing, How MNPI Considered</link:label>
    <link:label id="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing, How MNPI Considered [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:to="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentAxis_900ec025-56cc-4775-9c94-f617c40a8632_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_Maturity2053Member_4975519e-4a4c-4dff-947b-dd7c4edb5f23_terseLabel_en-US" xlink:label="lab_slm_Maturity2053Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">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" 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" xml:lang="en-US">Maturity 2053</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2053Member" xlink:href="slm-20241231.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_87a53399-6314-40fb-9987-fa85874ca4de_terseLabel_en-US" xlink:label="lab_slm_Maturity2050Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">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" 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" xml:lang="en-US">Maturity 2050</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2050Member" xlink:href="slm-20241231.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_SegmentReportingDisclosureTextBlock_083d29ea-3a4d-46a6-8871-5b60871bbda8_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment Reporting</link:label>
    <link:label id="lab_us-gaap_SegmentReportingDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentReportingDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingDisclosureTextBlock" xlink:to="lab_us-gaap_SegmentReportingDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket_1b93aa14-7d94-41d4-8e1a-1c4a0df4df8b_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Money market</link:label>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket_label_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Rate Domestic Deposit, Money Market</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageRateDomesticDepositMoneyMarket"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket" xlink:to="lab_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_95ecc166-f83e-43d7-9111-0a782bf6d48f_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">APIC, Share-Based Payment Arrangement, Increase for Cost Recognition</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:to="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProfessionalFees_1e8bf563-4efd-42b1-b5d7-2937e0767190_terseLabel_en-US" xlink:label="lab_us-gaap_ProfessionalFees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Professional fees</link:label>
    <link:label id="lab_us-gaap_ProfessionalFees_label_en-US" xlink:label="lab_us-gaap_ProfessionalFees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Professional Fees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfessionalFees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProfessionalFees" xlink:to="lab_us-gaap_ProfessionalFees" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestrictedStockMember_f18672a9-4f88-4729-a1c5-c72b079b28f8_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_FairValueByMeasurementBasisAxis_0a4fb2f8-c803-4041-9d38-bface41603ba_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementBasisAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Basis [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByMeasurementBasisAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementBasisAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Basis [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis" xlink:to="lab_us-gaap_FairValueByMeasurementBasisAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_e24b5975-aa4b-4294-90f6-ba14eec5fb59_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_label_en-US" xlink:label="lab_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:to="lab_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_01efb66a-6ec2-4f8f-a5b4-1e72e2947994_terseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansReceivableFairValueDisclosure" xlink:to="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrIndTitle_terseLabel_en-US" xlink:label="lab_ecd_TrdArrIndTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title</link:label>
    <link:label id="lab_ecd_TrdArrIndTitle_label_en-US" xlink:label="lab_ecd_TrdArrIndTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Individual Title</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndTitle" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrIndTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrIndTitle" xlink:to="lab_ecd_TrdArrIndTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidatedEntitiesAxis_40831736-d225-4db2-b01b-2da116e8a0ef_terseLabel_en-US" xlink:label="lab_srt_ConsolidatedEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Axis]</link:label>
    <link:label id="lab_srt_ConsolidatedEntitiesAxis_label_en-US" xlink:label="lab_srt_ConsolidatedEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesAxis" xlink:to="lab_srt_ConsolidatedEntitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnsecuredDebtMember_81a369bf-0123-4e35-8085-89c85e17e7a2_terseLabel_en-US" xlink:label="lab_us-gaap_UnsecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unsecured Debt</link:label>
    <link:label id="lab_us-gaap_UnsecuredDebtMember_cc5ec4cc-2cfa-439b-b60c-7c1b3cffeeca_verboseLabel_en-US" xlink:label="lab_us-gaap_UnsecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Unsecured borrowings</link:label>
    <link:label id="lab_us-gaap_UnsecuredDebtMember_label_en-US" xlink:label="lab_us-gaap_UnsecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unsecured Debt [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnsecuredDebtMember" xlink:to="lab_us-gaap_UnsecuredDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedContributionPlanTable_7542b310-c004-4d98-be06-eb61479b793a_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Contribution Plan [Table]</link:label>
    <link:label id="lab_us-gaap_DefinedContributionPlanTable_label_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Contribution Plan [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DefinedContributionPlanTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedContributionPlanTable" xlink:to="lab_us-gaap_DefinedContributionPlanTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefits_8a84f855-0030-4b4f-9fe9-54da6298e002_verboseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Unrecognized tax benefits</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefits_eb497956-174f-4f64-a8d3-2df6b5f3c7cc_periodStartLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Unrecognized tax benefits at beginning of year</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefits_554233ee-6a31-44e0-985d-eb3bd262fc01_periodEndLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Unrecognized tax benefits at end of year</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefits_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefits" xlink:to="lab_us-gaap_UnrecognizedTaxBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DebtInstrumentFaceAmountAfterAdjustments_033aa7fd-658e-4abb-a5af-30ce8a2d39de_totalLabel_en-US" xlink:label="lab_slm_DebtInstrumentFaceAmountAfterAdjustments" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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" 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-20241231.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_slm_SMBPrivateEducationLoanTrust2023BMember_0ab32d6b-f140-418f-a595-42ac02025fae_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2023BMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2023-B ABS transaction</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2023BMember_label_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2023BMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2023-B [Member]</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2023BMember_documentation_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2023BMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2023-B</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023BMember" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023BMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SMBPrivateEducationLoanTrust2023BMember" xlink:to="lab_slm_SMBPrivateEducationLoanTrust2023BMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CityAreaCode_01fd7abd-8a38-4a98-b070-75826680108f_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.xsd#dei_CityAreaCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax_1952212e-20c4-42fb-a920-c8a262f18cd5_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity in net income from subsidiaries (primarily Sallie Mae Bank)</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Subsidiaries, Net of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:to="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AuditorLocation_6eb32d47-8e5d-4d7d-8e5f-4a21d8925dd3_terseLabel_en-US" xlink:label="lab_dei_AuditorLocation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auditor Location</link:label>
    <link:label id="lab_dei_AuditorLocation_label_en-US" xlink:label="lab_dei_AuditorLocation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor Location</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorLocation" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AuditorLocation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorLocation" xlink:to="lab_dei_AuditorLocation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_60870eab-5f5b-4b58-a790-e9bdbb0f8d24_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued expenses not currently deductible</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Accrued Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" xlink:to="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear_ee40d724-4738-4172-be14-e82ccd56a26b_terseLabel_en-US" xlink:label="lab_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans, Year 4</link:label>
    <link:label id="lab_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans, Originated Three Years Before Latest Fiscal Year</link:label>
    <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" xml:lang="en-US">Loans, Originated Three Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear" xlink:to="lab_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearTwo_c2960a40-b8d7-4600-b9e6-a20d64e0b036_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After one year to two years</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearTwo_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposit Maturities, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesYearTwo" xlink:to="lab_us-gaap_TimeDepositMaturitiesYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock_terseLabel_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Not Adopted</link:label>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock_label_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Not Adopted [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:to="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_6778b497-d312-4777-ba29-531d17e5d81f_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable allowance for credit loss, transfer to held-to-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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" xlink:to="lab_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating_85423d7a-7d0f-41ce-8147-cfc536242016_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:label id="lab_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating_label_en-US" xlink:label="lab_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income, Debt Securities, Available-for-Sale, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating" xlink:to="lab_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockMember_ebbc887d-e761-47cb-8c82-aeaf733a9d40_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockMember" xlink:to="lab_us-gaap_PreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants_d21cfa82-02f6-4773-966d-4ecfd43e7550_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Period of positive payment performance required by a borrower between successive grants of forbearance</link:label>
    <link:label id="lab_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants_label_en-US" xlink:label="lab_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Period Of Positive Payment Performance Required Between Forbearance Grants</link:label>
    <link:label id="lab_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants_documentation_en-US" xlink:label="lab_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Period Of Positive Payment Performance Required Between Forbearance Grants</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" xlink:href="slm-20241231.xsd#slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" xlink:to="lab_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_9159d844-6b3a-402d-9a78-06263922bf58_negatedLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Charge-offs</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_2ba7963e-336b-4451-afd7-ee458a176ad6_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Current period recoveries, total</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_b2fdf01e-3bce-4e69-b684-905ea00c3d80_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Common stock repurchased</link:label>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_7e91b1e3-f442-47aa-961b-227d18794d4b_terseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:to="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ResidualInterestPercentageOfFacilityTrust_0620aa9d-f040-40b5-bc11-b7b6a81e315f_terseLabel_en-US" xlink:label="lab_slm_ResidualInterestPercentageOfFacilityTrust" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residual interest percentage of facility trust</link:label>
    <link:label id="lab_slm_ResidualInterestPercentageOfFacilityTrust_label_en-US" xlink:label="lab_slm_ResidualInterestPercentageOfFacilityTrust" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residual Interest Percentage Of Facility Trust</link:label>
    <link:label id="lab_slm_ResidualInterestPercentageOfFacilityTrust_documentation_en-US" xlink:label="lab_slm_ResidualInterestPercentageOfFacilityTrust" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Residual Interest Percentage Of Facility Trust</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ResidualInterestPercentageOfFacilityTrust" xlink:href="slm-20241231.xsd#slm_ResidualInterestPercentageOfFacilityTrust"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ResidualInterestPercentageOfFacilityTrust" xlink:to="lab_slm_ResidualInterestPercentageOfFacilityTrust" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_IncreaseDecreaseinincometaxpayabletorelatedparty_1ca04022-801d-4d68-b460-70eeba60b239_verboseLabel_en-US" xlink:label="lab_slm_IncreaseDecreaseinincometaxpayabletorelatedparty" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in income taxes payable, net</link:label>
    <link:label id="lab_slm_IncreaseDecreaseinincometaxpayabletorelatedparty_label_en-US" xlink:label="lab_slm_IncreaseDecreaseinincometaxpayabletorelatedparty" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in income tax payable to related party</link:label>
    <link:label id="lab_slm_IncreaseDecreaseinincometaxpayabletorelatedparty_documentation_en-US" xlink:label="lab_slm_IncreaseDecreaseinincometaxpayabletorelatedparty" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in income tax payable to related party</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncreaseDecreaseinincometaxpayabletorelatedparty" xlink:href="slm-20241231.xsd#slm_IncreaseDecreaseinincometaxpayabletorelatedparty"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_IncreaseDecreaseinincometaxpayabletorelatedparty" xlink:to="lab_slm_IncreaseDecreaseinincometaxpayabletorelatedparty" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationLineItems_8c5888fd-2b6d-41cf-b90b-87b3a772513f_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_BrokeredDepositPlacementFee_53f8dbec-8505-488c-b99a-e4fb2480da0d_terseLabel_en-US" xlink:label="lab_slm_BrokeredDepositPlacementFee" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brokered deposit placement fee</link:label>
    <link:label id="lab_slm_BrokeredDepositPlacementFee_label_en-US" xlink:label="lab_slm_BrokeredDepositPlacementFee" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brokered Deposit Placement Fee</link:label>
    <link:label id="lab_slm_BrokeredDepositPlacementFee_documentation_en-US" xlink:label="lab_slm_BrokeredDepositPlacementFee" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Brokered Deposit Placement Fee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BrokeredDepositPlacementFee" xlink:href="slm-20241231.xsd#slm_BrokeredDepositPlacementFee"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_BrokeredDepositPlacementFee" xlink:to="lab_slm_BrokeredDepositPlacementFee" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_685a3068-e504-4087-82cd-9cc0298258ad_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:to="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_OperatingLossCarryforwardsCapitalLoss_d74f97fe-28b2-4901-a79a-b247da8adfd1_terseLabel_en-US" xlink:label="lab_slm_OperatingLossCarryforwardsCapitalLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital loss</link:label>
    <link:label id="lab_slm_OperatingLossCarryforwardsCapitalLoss_label_en-US" xlink:label="lab_slm_OperatingLossCarryforwardsCapitalLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Loss Carryforwards, Capital Loss</link:label>
    <link:label id="lab_slm_OperatingLossCarryforwardsCapitalLoss_documentation_en-US" xlink:label="lab_slm_OperatingLossCarryforwardsCapitalLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Operating Loss Carryforwards, Capital Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OperatingLossCarryforwardsCapitalLoss" xlink:href="slm-20241231.xsd#slm_OperatingLossCarryforwardsCapitalLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_OperatingLossCarryforwardsCapitalLoss" xlink:to="lab_slm_OperatingLossCarryforwardsCapitalLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember_c7e2d90a-e6c1-4f45-b585-3ea6837ea8ed_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">25-36 payments</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember_label_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From Twenty Five To Thirty Six Payments [Member]</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember_documentation_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From Twenty Five To Thirty Six Payments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember" xlink:to="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_37aa0ff3-2a3a-44b6-ba44-7e494de61654_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_8376b18b-54fb-4e10-887e-a30cd63d8b89_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average&#160;Grant Date Fair Value</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventTypeAxis_d19b7aa9-e215-4c74-8aa6-adec5acaab5c_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Axis]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventTypeAxis_label_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTypeAxis" xlink:to="lab_us-gaap_SubsequentEventTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_FL_b79f3602-a610-4a80-9687-db86252ae5d6_terseLabel_en-US" xlink:label="lab_stpr_FL" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Florida</link:label>
    <link:label id="lab_stpr_FL_label_en-US" xlink:label="lab_stpr_FL" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FLORIDA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_FL" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_FL"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_FL" xlink:to="lab_stpr_FL" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_10d2be1a-7fac-4816-a0a6-450a82ac442a_terseLabel_en-US" xlink:label="lab_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred origination costs and unamortized premium/ (discount)</link:label>
    <link:label id="lab_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_label_en-US" xlink:label="lab_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" xlink:to="lab_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareAbstract_a3fff753-0ea1-4483-bd17-a155105255da_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_EquityAbstract_f7c0427e-1735-4c8d-ad45-725dda46362b_terseLabel_en-US" xlink:label="lab_us-gaap_EquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity</link:label>
    <link:label id="lab_us-gaap_EquityAbstract_label_en-US" xlink:label="lab_us-gaap_EquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityAbstract" xlink:to="lab_us-gaap_EquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetainedEarningsAccumulatedDeficit_0507534b-28c0-441c-8964-ab9edea49959_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained earnings</link:label>
    <link:label id="lab_us-gaap_RetainedEarningsAccumulatedDeficit_03c809da-1e19-462b-85fc-111e07011614_verboseLabel_en-US" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Retained earnings</link:label>
    <link:label id="lab_us-gaap_RetainedEarningsAccumulatedDeficit_label_en-US" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Earnings (Accumulated Deficit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_f6a2d6d6-6476-4fce-93ed-24c3c0ca4778_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations</link:label>
    <link:label id="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:to="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock_1d52df5f-ebdd-4a6d-ae96-fe7f4becb11b_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Restricted Stock Activity</link:label>
    <link:label id="lab_us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Nonvested Share Activity [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfStockDomain_55a31b7c-cb15-477c-92bc-31c1071b7a75_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:label id="lab_us-gaap_ClassOfStockDomain_label_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="lab_us-gaap_ClassOfStockDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_7a75625c-a2ae-428a-b29b-3343deb7a9a8_terseLabel_en-US" xlink:label="lab_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain (loss) to be reclassified within 12 months</link:label>
    <link:label id="lab_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_label_en-US" xlink:label="lab_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow Hedge Gain (Loss) to be Reclassified within 12 Months</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:to="lab_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized_fd4d531b-dad2-4cae-a31b-e5a20c9f9e75_terseLabel_en-US" xlink:label="lab_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</link:label>
    <link:label id="lab_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized_label_en-US" xlink:label="lab_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One Risk Based Capital for Common Equity Required to be Capitalized</link:label>
    <link:label id="lab_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized_documentation_en-US" xlink:label="lab_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tier One Risk Based Capital for Common Equity Required to be Capitalized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" xlink:href="slm-20241231.xsd#slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" xlink:to="lab_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2051Member_36a0babc-a06c-419f-85c0-22b1f8b0fa72_terseLabel_en-US" xlink:label="lab_slm_Maturity2051Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2051</link:label>
    <link:label id="lab_slm_Maturity2051Member_label_en-US" xlink:label="lab_slm_Maturity2051Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity 2051 [Member]</link:label>
    <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" xml:lang="en-US">Maturity 2051</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2051Member" xlink:href="slm-20241231.xsd#slm_Maturity2051Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2051Member" xlink:to="lab_slm_Maturity2051Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDebtTableTextBlock_e756b29f-d4fe-400d-892e-ee663e506a38_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDebtTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Secured Borrowings</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDebtTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDebtTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Debt [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDebtTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfDebtTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDebtTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfDebtTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SecuredBorrowingsMember_7cc3d673-d275-4fc9-a847-ab42534602cd_terseLabel_en-US" xlink:label="lab_slm_SecuredBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured Borrowings</link:label>
    <link:label id="lab_slm_SecuredBorrowingsMember_label_en-US" xlink:label="lab_slm_SecuredBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured Borrowings [Member]</link:label>
    <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" xml:lang="en-US">Secured Borrowings [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SecuredBorrowingsMember" xlink:href="slm-20241231.xsd#slm_SecuredBorrowingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SecuredBorrowingsMember" xlink:to="lab_slm_SecuredBorrowingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_7729c2e3-6c17-4bc7-bd13-ceeb8da1aa05_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stated maturity, 2026</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrSecuritiesAggAvailAmt_terseLabel_en-US" xlink:label="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Available</link:label>
    <link:label id="lab_ecd_TrdArrSecuritiesAggAvailAmt_label_en-US" xlink:label="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Securities Aggregate Available Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:to="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EqtyAwrdsAdjsMember_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments</link:label>
    <link:label id="lab_ecd_EqtyAwrdsAdjsMember_label_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsAdjsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="lab_ecd_EqtyAwrdsAdjsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_OfferingPeriodOfEmployeeStockPurchasePlan_c6116dd2-d383-4585-9c84-1b4b82d65378_terseLabel_en-US" xlink:label="lab_slm_OfferingPeriodOfEmployeeStockPurchasePlan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offering period of employee stock purchase plan</link:label>
    <link:label id="lab_slm_OfferingPeriodOfEmployeeStockPurchasePlan_label_en-US" xlink:label="lab_slm_OfferingPeriodOfEmployeeStockPurchasePlan" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offering Period Of Employee Stock Purchase Plan</link:label>
    <link:label id="lab_slm_OfferingPeriodOfEmployeeStockPurchasePlan_documentation_en-US" xlink:label="lab_slm_OfferingPeriodOfEmployeeStockPurchasePlan" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Offering period of employee stock purchase plan.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OfferingPeriodOfEmployeeStockPurchasePlan" xlink:href="slm-20241231.xsd#slm_OfferingPeriodOfEmployeeStockPurchasePlan"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_OfferingPeriodOfEmployeeStockPurchasePlan" xlink:to="lab_slm_OfferingPeriodOfEmployeeStockPurchasePlan" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract_63f1f830-fdd8-417e-9d8c-53bbcfe1c023_terseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Hedges</link:label>
    <link:label id="lab_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract_label_en-US" xlink:label="lab_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Fair Value Hedges Recognized in Earnings [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract" xlink:to="lab_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardUndrlygSecuritiesAmt_terseLabel_en-US" xlink:label="lab_ecd_AwardUndrlygSecuritiesAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Underlying Securities</link:label>
    <link:label id="lab_ecd_AwardUndrlygSecuritiesAmt_label_en-US" xlink:label="lab_ecd_AwardUndrlygSecuritiesAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Underlying Securities Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardUndrlygSecuritiesAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:to="lab_ecd_AwardUndrlygSecuritiesAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_490b06c3-4d64-4f74-b49d-cb89f692ffaf_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:label id="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:to="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ConstantPrepaymentFeeVariableRate_4fcf2f5f-2631-4037-a251-92794c563338_terseLabel_en-US" xlink:label="lab_slm_ConstantPrepaymentFeeVariableRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis points</link:label>
    <link:label id="lab_slm_ConstantPrepaymentFeeVariableRate_label_en-US" xlink:label="lab_slm_ConstantPrepaymentFeeVariableRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Constant Prepayment Fee, Variable Rate</link:label>
    <link:label id="lab_slm_ConstantPrepaymentFeeVariableRate_documentation_en-US" xlink:label="lab_slm_ConstantPrepaymentFeeVariableRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Constant Prepayment Fee, Variable Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ConstantPrepaymentFeeVariableRate" xlink:href="slm-20241231.xsd#slm_ConstantPrepaymentFeeVariableRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ConstantPrepaymentFeeVariableRate" xlink:to="lab_slm_ConstantPrepaymentFeeVariableRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendsCommonStockCash_9c94d70a-ef4b-4e65-aaef-0032fbf6ba8f_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DividendsCommonStockCash" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Common stock</link:label>
    <link:label id="lab_us-gaap_DividendsCommonStockCash_label_en-US" xlink:label="lab_us-gaap_DividendsCommonStockCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends, Common Stock, Cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStockCash" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DividendsCommonStockCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsCommonStockCash" xlink:to="lab_us-gaap_DividendsCommonStockCash" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AmendmentFlag_8a146370-f666-4972-a7d5-a0457689713b_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AmendmentFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember_e494466a-f6e6-4b79-b3e0-fc83ffe77707_terseLabel_en-US" xlink:label="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying Value</link:label>
    <link:label id="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember_label_en-US" xlink:label="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reported Value Measurement [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:to="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear_a2b84897-62f8-48d2-9bf4-a3b43701a63b_terseLabel_en-US" xlink:label="lab_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans, gross, Year 4</link:label>
    <link:label id="lab_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Gross, Originated Three Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Gross, Originated Three Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" xlink:to="lab_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockAppreciationRightsSARSMember_terseLabel_en-US" xlink:label="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Appreciation Rights (SARs)</link:label>
    <link:label id="lab_us-gaap_StockAppreciationRightsSARSMember_label_en-US" xlink:label="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Appreciation Rights (SARs) [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:to="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract_403f0447-86cc-4d8e-9515-1e53bf5de4bb_terseLabel_en-US" xlink:label="lab_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract_label_en-US" xlink:label="lab_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Available-For-Sale Securities, Unrealized Loss Position [Abstract]</link:label>
    <link:label id="lab_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract_documentation_en-US" xlink:label="lab_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Available-For-Sale Securities, Unrealized Loss Position [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract" xlink:href="slm-20241231.xsd#slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract" xlink:to="lab_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventsAbstract_12816e9d-1e96-480f-8d44-bc8bf56d7376_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Events [Abstract]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventsAbstract_label_en-US" xlink:label="lab_us-gaap_SubsequentEventsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Events [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventsAbstract" xlink:to="lab_us-gaap_SubsequentEventsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_bc17d06a-0c63-4917-8a3b-4a51b732647c_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recoveries</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_3098e78b-1d93-46df-9ccd-6a317a398691_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Current period recoveries, total</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear_59f201d5-edd0-40ba-b16b-32c6e1d9e13b_terseLabel_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" xlink:to="lab_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtDisclosureTextBlock_ed72e9a2-c391-4305-aabb-74689cf2403d_terseLabel_en-US" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_srt_CondensedIncomeStatementTable_12608fcc-3aa9-412b-b96e-0bdc79f99317_terseLabel_en-US" xlink:label="lab_srt_CondensedIncomeStatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Income Statement [Table]</link:label>
    <link:label id="lab_srt_CondensedIncomeStatementTable_label_en-US" xlink:label="lab_srt_CondensedIncomeStatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Income Statement [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementTable" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedIncomeStatementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedIncomeStatementTable" xlink:to="lab_srt_CondensedIncomeStatementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f14466b2-dc7f-43a3-9d3c-a07f63a29679_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Measurements, Fair Value Hierarchy [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CollateralAxis_56cc9136-e730-46ec-bf15-b6f02363d20b_terseLabel_en-US" xlink:label="lab_us-gaap_CollateralAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_ecd_RecoveryOfErrCompDisclosureLineItems_label_en-US" xlink:label="lab_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recovery of Erroneously Awarded Compensation Disclosure [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RecoveryOfErrCompDisclosureLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="lab_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentFaceAmount_923398ab-3fbb-499c-b141-d447d074d261_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notes Issued</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentFaceAmount_890452a4-f3ee-401e-b119-cb8d11f6cb1f_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Debt instrument, face amount</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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentFaceAmount" xlink:to="lab_us-gaap_DebtInstrumentFaceAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy_02471459-819d-4a51-a644-941300756367_terseLabel_en-US" xlink:label="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans Held for Investment</link:label>
    <link:label id="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy_label_en-US" xlink:label="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinanceLoansAndLeasesReceivablePolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:to="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetincreaseinMMDAdeposits_49af5a7a-7e62-4668-b744-fb4c419767f0_terseLabel_en-US" xlink:label="lab_slm_NetincreaseinMMDAdeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net increase (decrease) 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" 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" xml:lang="en-US">Net increase in MMDA deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetincreaseinMMDAdeposits" xlink:href="slm-20241231.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_dei_EntityAddressPostalZipCode_84694224-7dc0-4619-8bfd-008208b5a82b_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_us-gaap_InterestRateSwapMember_259bcc76-50e5-4d65-8471-894f05152457_verboseLabel_en-US" xlink:label="lab_us-gaap_InterestRateSwapMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interest rate swaps</link:label>
    <link:label id="lab_us-gaap_InterestRateSwapMember_139533fc-1b83-4976-b4f5-e78666f9c3dd_terseLabel_en-US" xlink:label="lab_us-gaap_InterestRateSwapMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Rate Swaps</link:label>
    <link:label id="lab_us-gaap_InterestRateSwapMember_label_en-US" xlink:label="lab_us-gaap_InterestRateSwapMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Swap [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestRateSwapMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestRateSwapMember" xlink:to="lab_us-gaap_InterestRateSwapMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SchoolFicoMember_3cf4a8bb-faf4-4f91-8737-2e98cea1a70f_terseLabel_en-US" xlink:label="lab_slm_SchoolFicoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FICO at Origination</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" 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" 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-20241231.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_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_a5fa46d0-1dc8-41a8-a213-ffaed4381cec_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 1 Capital (to Risk-Weighted Assets)</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital, Well Capitalized, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_StableInterestbearingDepositsTotal_88ea7db1-f46b-4db9-a279-af6adaea198b_terseLabel_en-US" xlink:label="lab_slm_StableInterestbearingDepositsTotal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stable interest-bearing deposits, total</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" 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" xml:lang="en-US">Stable Interest-bearing Deposits, Total</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StableInterestbearingDepositsTotal" xlink:href="slm-20241231.xsd#slm_StableInterestbearingDepositsTotal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_StableInterestbearingDepositsTotal" xlink:to="lab_slm_StableInterestbearingDepositsTotal" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AociTaxAttributableToParent_54434e2d-7458-4aa4-bf5c-2e02044c76fc_negatedLabel_en-US" xlink:label="lab_us-gaap_AociTaxAttributableToParent" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Tax benefit on accumulated other comprehensive loss</link:label>
    <link:label id="lab_us-gaap_AociTaxAttributableToParent_2ec04351-cccd-43f3-be55-71b9697b1489_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_AociTaxAttributableToParent" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive income, tax</link:label>
    <link:label id="lab_us-gaap_AociTaxAttributableToParent_label_en-US" xlink:label="lab_us-gaap_AociTaxAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI Tax, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociTaxAttributableToParent" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AociTaxAttributableToParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AociTaxAttributableToParent" xlink:to="lab_us-gaap_AociTaxAttributableToParent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendsCashAbstract_64a6541f-8dc0-45be-a24b-112bc36e8be4_terseLabel_en-US" xlink:label="lab_us-gaap_DividendsCashAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash dividends declared:</link:label>
    <link:label id="lab_us-gaap_DividendsCashAbstract_label_en-US" xlink:label="lab_us-gaap_DividendsCashAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends, Cash [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCashAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DividendsCashAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsCashAbstract" xlink:to="lab_us-gaap_DividendsCashAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_25805620-ba73-4bf4-91d9-c94f5d007a13_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_1931c888-2808-4a34-8760-cf0abc2628f5_verboseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_0719888d-3f9f-4010-91af-00190eba74e9_periodStartLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents at beginning of year</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_517c3f94-4bd5-4f97-8219-af5b4686b090_periodEndLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents at end of year</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents, at Carrying Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_eb83830f-c442-4b38-a49b-aba83e3870ca_terseLabel_en-US" xlink:label="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FDIC assessment fees</link:label>
    <link:label id="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_label_en-US" xlink:label="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Deposit Insurance Corporation Premium Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:to="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansheldforinvestmentbyRegionLineItems_d349f872-4dad-429e-a8a2-bac3e8e7c17d_terseLabel_en-US" xlink:label="lab_slm_LoansheldforinvestmentbyRegionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_LoansheldforinvestmentbyRegionLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansheldforinvestmentbyRegionLineItems" xlink:to="lab_slm_LoansheldforinvestmentbyRegionLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent_0e40d0fc-1524-4884-ba9b-62910e383257_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Seasoning based on monthly scheduled payments due from 13 - 24 payments</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" 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" 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-20241231.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_us-gaap_CertificatesOfDepositMember_bf12d146-7b0b-4700-af10-8017246644a8_terseLabel_en-US" xlink:label="lab_us-gaap_CertificatesOfDepositMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Certificates of deposit</link:label>
    <link:label id="lab_us-gaap_CertificatesOfDepositMember_label_en-US" xlink:label="lab_us-gaap_CertificatesOfDepositMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Certificates of Deposit [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CertificatesOfDepositMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CertificatesOfDepositMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CertificatesOfDepositMember" xlink:to="lab_us-gaap_CertificatesOfDepositMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember_terseLabel_en-US" xlink:label="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested</link:label>
    <link:label id="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember_label_en-US" xlink:label="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:to="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_f935ca6a-6675-4262-b763-b44819b40b39_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of amortization reported in income tax expense</link:label>
    <link:label id="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_label_en-US" xlink:label="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Program, Proportional Amortization Method, Applied, Amortization Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" xlink:to="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AuditorName_d812df48-0d6e-47b2-82fb-b76cbda83e2a_terseLabel_en-US" xlink:label="lab_dei_AuditorName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_us-gaap_GainsLossesOnExtinguishmentOfDebt_f2a1c0fb-6950-45e0-ac78-8cdc73159a2c_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Loss on early extinguishment of unsecured debt</link:label>
    <link:label id="lab_us-gaap_GainsLossesOnExtinguishmentOfDebt_label_en-US" xlink:label="lab_us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Extinguishment of Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:to="lab_us-gaap_GainsLossesOnExtinguishmentOfDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_e2d55092-5854-44ad-a8ba-26afc42870b0_terseLabel_en-US" xlink:label="lab_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current provision (benefit):</link:label>
    <link:label id="lab_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_label_en-US" xlink:label="lab_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Income Tax Expense (Benefit), Continuing Operations [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:to="lab_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_RestrictedCashandInvestmentsPolicyTextBlock_d66560ca-8f8b-4776-8c6c-d1872b6197e2_terseLabel_en-US" xlink:label="lab_slm_RestrictedCashandInvestmentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember_terseLabel_en-US" xlink:label="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested</link:label>
    <link:label id="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember_label_en-US" xlink:label="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:to="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NonInterestIncomeLoss_d435708b-9963-4087-92e2-04cc9518d939_terseLabel_en-US" xlink:label="lab_slm_NonInterestIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-interest income (loss)</link:label>
    <link:label id="lab_slm_NonInterestIncomeLoss_label_en-US" xlink:label="lab_slm_NonInterestIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Interest Income (Loss)</link:label>
    <link:label id="lab_slm_NonInterestIncomeLoss_documentation_en-US" xlink:label="lab_slm_NonInterestIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Non-Interest Income (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NonInterestIncomeLoss" xlink:href="slm-20241231.xsd#slm_NonInterestIncomeLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NonInterestIncomeLoss" xlink:to="lab_slm_NonInterestIncomeLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract_676bef30-279a-4a35-bdba-35a94791a1a1_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract" xlink:to="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_99ae4d37-769d-490d-b2df-867fa4cab5d6_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_LoansheldforinvestmentbyRegionTable_e54b293c-28df-4ebd-a849-4527e1f24d4b_terseLabel_en-US" xlink:label="lab_slm_LoansheldforinvestmentbyRegionTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_LoansheldforinvestmentbyRegionTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansheldforinvestmentbyRegionTable" xlink:to="lab_slm_LoansheldforinvestmentbyRegionTable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock_267d3464-5668-45ff-9dd7-0f53188f8434_terseLabel_en-US" xlink:label="lab_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_909c8e7e-9c45-44a9-9703-42f2149b5396_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of Options</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ABSTransactionsMember_d8924a74-4f7b-4b04-a01b-70f13941288b_terseLabel_en-US" xlink:label="lab_slm_ABSTransactionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ABS Transactions</link:label>
    <link:label id="lab_slm_ABSTransactionsMember_label_en-US" xlink:label="lab_slm_ABSTransactionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ABS Transactions [Member]</link:label>
    <link:label id="lab_slm_ABSTransactionsMember_documentation_en-US" xlink:label="lab_slm_ABSTransactionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">ABS Transactions [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ABSTransactionsMember" xlink:href="slm-20241231.xsd#slm_ABSTransactionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ABSTransactionsMember" xlink:to="lab_slm_ABSTransactionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TradingActivityByTypeDomain_be9afb85-0699-41d8-9999-142f1c341038_terseLabel_en-US" xlink:label="lab_us-gaap_TradingActivityByTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Activity, by Type [Domain]</link:label>
    <link:label id="lab_us-gaap_TradingActivityByTypeDomain_label_en-US" xlink:label="lab_us-gaap_TradingActivityByTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Activity, by Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TradingActivityByTypeDomain" xlink:to="lab_us-gaap_TradingActivityByTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosureItemAmountsDomain_c0e6a6f1-36fc-4b52-b846-d970c12020ab_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:to="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfShortTermDebtTable_0b04dfc7-06d8-4b85-bf45-8bce4ccc9336_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfShortTermDebtTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Short-term Debt [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfShortTermDebtTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfShortTermDebtTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short-Term Debt [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShortTermDebtTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShortTermDebtTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable" xlink:to="lab_us-gaap_ScheduleOfShortTermDebtTable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_a9d056cb-75f1-42d8-8e21-752211f39af4_terseLabel_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 5</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated Four Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated Four Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToPeoCompFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AdjToPeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment To PEO Compensation, Footnote</link:label>
    <link:label id="lab_ecd_AdjToPeoCompFnTextBlock_label_en-US" xlink:label="lab_ecd_AdjToPeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment To PEO Compensation, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToPeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToPeoCompFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToPeoCompFnTextBlock" xlink:to="lab_ecd_AdjToPeoCompFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_e3bd3342-cf78-4f65-a1aa-aac7a8fda675_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CommonSharesUnissuedButEncumbered_f7d89d27-9b9b-4040-b3d7-b35e37ecea02_terseLabel_en-US" xlink:label="lab_slm_CommonSharesUnissuedButEncumbered" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common shares unissued but encumbered (in shares)</link:label>
    <link:label id="lab_slm_CommonSharesUnissuedButEncumbered_label_en-US" xlink:label="lab_slm_CommonSharesUnissuedButEncumbered" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Shares Unissued But Encumbered</link:label>
    <link:label id="lab_slm_CommonSharesUnissuedButEncumbered_documentation_en-US" xlink:label="lab_slm_CommonSharesUnissuedButEncumbered" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Common shares unissued but encumbered.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CommonSharesUnissuedButEncumbered" xlink:href="slm-20241231.xsd#slm_CommonSharesUnissuedButEncumbered"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CommonSharesUnissuedButEncumbered" xlink:to="lab_slm_CommonSharesUnissuedButEncumbered" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssetsAbstract_388889e0-e434-43cd-997d-1b0c4d9e91de_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Assets</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetsAbstract_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssetsAbstract" xlink:to="lab_us-gaap_DerivativeAssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DesignatedAsHedgingInstrumentMember_89778066-fddf-48fa-9127-9559e2f50a32_terseLabel_en-US" xlink:label="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:to="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_1c2e2cf7-7b23-4ab1-a8a0-5f18d04b69b8_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net income attributable to SLM Corporation common stock</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_1908f408-43c9-4ba6-b853-2fdeade41a75_terseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income attributable to SLM Corporation common stock, basic</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" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:to="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Other Measure</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Other Measure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsOtherMeasureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock_a3faf8ea-da96-4fcc-b35e-8f6753655e68_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Available-for-Sale Securities, Continuous Unrealized Loss Position, Fair Value</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfStockByClassTable_e32ec9cb-e535-4f62-b1ee-7b1c92d3cfed_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfStockByClassTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock, Class of Stock [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfStockByClassTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfStockByClassTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock, Class of Stock [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable" xlink:to="lab_us-gaap_ScheduleOfStockByClassTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year</link:label>
    <link:label id="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember_label_en-US" xlink:label="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:to="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Assets_7be7e11f-baac-48c9-b61a-98fcd9d7347d_totalLabel_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total assets</link:label>
    <link:label id="lab_us-gaap_Assets_a5264f07-89e5-4f33-a521-fa7e13a9dca9_terseLabel_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <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" xml:lang="en-US">Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <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_us-gaap_OtherInterestEarningAssets_fd726434-2ec1-49b9-a1eb-a8ad5e330055_terseLabel_en-US" xlink:label="lab_us-gaap_OtherInterestEarningAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other interest-earning assets</link:label>
    <link:label id="lab_us-gaap_OtherInterestEarningAssets_label_en-US" xlink:label="lab_us-gaap_OtherInterestEarningAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Interest Earning Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInterestEarningAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherInterestEarningAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherInterestEarningAssets" xlink:to="lab_us-gaap_OtherInterestEarningAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB_ea9fadf8-0a9c-4755-9517-b6813ae1cd25_terseLabel_en-US" xlink:label="lab_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Par value of mortgage-backed securities pledged to FRB</link:label>
    <link:label id="lab_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB_label_en-US" xlink:label="lab_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Par Value Of Mortgage-Backed Securities Pledged To FRB</link:label>
    <link:label id="lab_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB_documentation_en-US" xlink:label="lab_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Par Value Of Mortgage-Backed Securities Pledged To FRB</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB" xlink:href="slm-20241231.xsd#slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB" xlink:to="lab_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit_20151e7a-78d1-421a-9ce4-e94ae0b16f04_totalLabel_en-US" xlink:label="lab_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total change in other comprehensive income (loss) for unrealized gains (losses) on derivatives, before income tax (expense) benefit</link:label>
    <link:label id="lab_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Change In Other Comprehensive Income (Loss) For Unrealized Gains (Losses) On Derivatives, Before Income Tax (Expense) Benefit</link:label>
    <link:label id="lab_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit_documentation_en-US" xlink:label="lab_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Change In Other Comprehensive Income (Loss) For Unrealized Gains (Losses) On Derivatives, Before Income Tax (Expense) Benefit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" xlink:href="slm-20241231.xsd#slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" xlink:to="lab_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FICOscore700749Member_0ae46040-661a-4a29-a4de-f22980ad14eb_terseLabel_en-US" xlink:label="lab_slm_FICOscore700749Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">700-749</link:label>
    <link:label id="lab_slm_FICOscore700749Member_label_en-US" xlink:label="lab_slm_FICOscore700749Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FICO score 700-749 [Member]</link:label>
    <link:label id="lab_slm_FICOscore700749Member_documentation_en-US" xlink:label="lab_slm_FICOscore700749Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">FICO score 700-749 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscore700749Member" xlink:href="slm-20241231.xsd#slm_FICOscore700749Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FICOscore700749Member" xlink:to="lab_slm_FICOscore700749Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLossCarryforwardsValuationAllowance_469f5549-2f63-4bf4-8100-fa6dd72f3eb1_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLossCarryforwardsValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments_b2e85d3f-274a-4e0a-ac82-29c7c5f307fe_terseLabel_en-US" xlink:label="lab_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfer from allowance for unfunded loan commitments</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" 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" 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-20241231.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_4cfebf7e-1bad-4145-b214-c76efc467eef_terseLabel_en-US" xlink:label="lab_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Equity Tier 1 Capital (to Risk-Weighted 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" 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" 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-20241231.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_55b6e9a1-e405-4c55-9235-264c28cc43cb_terseLabel_en-US" xlink:label="lab_slm_MaximumContributionAmountPerEmployeeToEspp" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_MaximumContributionAmountPerEmployeeToEspp"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_MaximumContributionAmountPerEmployeeToEspp" xlink:to="lab_slm_MaximumContributionAmountPerEmployeeToEspp" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsAbstract_aeb8b589-bf4f-4c8c-ba3b-5772015f837f_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents [Abstract]</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsAbstract_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsAbstract" xlink:to="lab_us-gaap_CashAndCashEquivalentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_035797d1-f394-4ba3-82b7-d0f36f8d0d95_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, ,modified in period, amount</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified in Period, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:to="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Violation of Home Country Law, Amount</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Violation of Home Country Law, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:to="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CumulativeEffectPeriodOfAdoptionAxis_3bf47091-47ad-40f2-8774-7c299f665d20_terseLabel_en-US" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/srt-2024.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_CommitmentsAndContingencies_141de8c0-4a7a-4c8c-b9f3-51eaa428f993_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingencies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale_f1a3b66b-3778-415c-81db-2af6019c6bee_terseLabel_en-US" xlink:label="lab_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net proceeds from sales of loans held for investment and loans held for sale</link:label>
    <link:label id="lab_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale_label_en-US" xlink:label="lab_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Proceeds from Loans Held for Investment and Loans Held for Sale</link:label>
    <link:label id="lab_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale_documentation_en-US" xlink:label="lab_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Proceeds from Loans Held for Investment and Loans Held for Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale" xlink:href="slm-20241231.xsd#slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale" xlink:to="lab_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputPrepaymentRateMember_489b98c9-e479-478f-ae34-f895a161b7b5_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputPrepaymentRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input, Prepayment Rate</link:label>
    <link:label id="lab_us-gaap_MeasurementInputPrepaymentRateMember_label_en-US" xlink:label="lab_us-gaap_MeasurementInputPrepaymentRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Prepayment Rate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputPrepaymentRateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputPrepaymentRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputPrepaymentRateMember" xlink:to="lab_us-gaap_MeasurementInputPrepaymentRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_1ebe7aea-4d5e-4ab4-8760-3dbcd69d56ef_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_ecd_TrdArrTerminationDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrTerminationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Termination Date</link:label>
    <link:label id="lab_ecd_TrdArrTerminationDate_label_en-US" xlink:label="lab_ecd_TrdArrTerminationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Termination Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrTerminationDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrTerminationDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrTerminationDate" xlink:to="lab_ecd_TrdArrTerminationDate" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_BrokeredDepositPercent_53c81e7d-2525-4eb1-9549-3b8a7ffd2cc0_terseLabel_en-US" xlink:label="lab_slm_BrokeredDepositPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent of brokered deposit</link:label>
    <link:label id="lab_slm_BrokeredDepositPercent_label_en-US" xlink:label="lab_slm_BrokeredDepositPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brokered Deposit, Percent</link:label>
    <link:label id="lab_slm_BrokeredDepositPercent_documentation_en-US" xlink:label="lab_slm_BrokeredDepositPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Brokered Deposit, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BrokeredDepositPercent" xlink:href="slm-20241231.xsd#slm_BrokeredDepositPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_BrokeredDepositPercent" xlink:to="lab_slm_BrokeredDepositPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2038Member_0727bd23-b4cd-41e7-98b9-67a7b1617267_terseLabel_en-US" xlink:label="lab_slm_Maturity2038Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">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" 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" xml:lang="en-US">Maturity 2038 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2038Member" xlink:href="slm-20241231.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_slm_FinancingReceivableSaleAccruedInterest_0b2c1916-463a-4f55-bd19-5683c57620cb_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableSaleAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, sale, accrued interest</link:label>
    <link:label id="lab_slm_FinancingReceivableSaleAccruedInterest_label_en-US" xlink:label="lab_slm_FinancingReceivableSaleAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Sale, Accrued Interest</link:label>
    <link:label id="lab_slm_FinancingReceivableSaleAccruedInterest_documentation_en-US" xlink:label="lab_slm_FinancingReceivableSaleAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Sale, Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSaleAccruedInterest" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSaleAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableSaleAccruedInterest" xlink:to="lab_slm_FinancingReceivableSaleAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_c4997045-32dc-44a0-9b79-90a157fc2a68_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair&#160;Value&#160;Measurements&#160;on&#160;a&#160;Recurring Basis</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesMember_e89eb380-b202-4069-b818-b68034ecb5e9_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage-backed securities</link:label>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateralized Mortgage-Backed Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember" xlink:to="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_MoneyMarketandSavingsAccountsMember_579e0987-fd6a-448f-bbf3-325e4bfe1abd_terseLabel_en-US" xlink:label="lab_slm_MoneyMarketandSavingsAccountsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities_55fbd405-ca7e-4184-b367-873736cfe0d5_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized losses</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Asset, Debt Securities, Trading, Unrealized Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities" xlink:to="lab_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_066e931b-350d-430a-98d1-3550d9b1267d_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stated maturity, 2025</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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets_43518fe7-805f-48bf-a9eb-3e45076c1a58_totalLabel_en-US" xlink:label="lab_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total operating expenses</link:label>
    <link:label id="lab_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets_label_en-US" xlink:label="lab_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Expenses, Excluding Amortization Of Intangible Assets</link:label>
    <link:label id="lab_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets_documentation_en-US" xlink:label="lab_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Operating Expenses, Excluding Amortization Of Intangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets" xlink:href="slm-20241231.xsd#slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets" xlink:to="lab_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherLiabilities_174ae81c-4bfb-4515-aab9-8f52edb6ce27_terseLabel_en-US" xlink:label="lab_us-gaap_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_e51eb865-1aa8-47dc-a619-b597cd4cddeb_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" xml:lang="en-US">Derivative Asset, Including Not Subject to Master Netting Arrangement, after Offset and Deduction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" xlink:to="lab_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NondesignatedMember_db1f1480-e0fc-4fff-a9b3-1ec43253a00e_verboseLabel_en-US" xlink:label="lab_us-gaap_NondesignatedMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Trading</link:label>
    <link:label id="lab_us-gaap_NondesignatedMember_15a1f90a-d5b2-46a7-99e4-9da299984ea9_terseLabel_en-US" xlink:label="lab_us-gaap_NondesignatedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Not Designated as Hedging Instrument [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NondesignatedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NondesignatedMember" xlink:to="lab_us-gaap_NondesignatedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_PA_a3abc3b8-8267-451f-9c04-2b1a294b646f_terseLabel_en-US" xlink:label="lab_stpr_PA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">PENNSYLVANIA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_PA" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.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_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_23a3ee5b-6261-4d61-81a9-3d65aa8c5aca_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ninety or more days delinquent</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, 90 Days or More Past Due, Still Accruing</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpensePolicyTextBlock_9a0003f0-e583-47e3-a8fa-7ad1d7c43d85_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpensePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_DebtInstrumentAxis_d8be251a-e52a-4518-967b-f2971c530727_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentAxis_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentAxis" xlink:to="lab_us-gaap_DebtInstrumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PrivateEducationLoansMember_c3f24fe1-37e5-4b75-947f-265b69733be1_terseLabel_en-US" xlink:label="lab_slm_PrivateEducationLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans</link:label>
    <link:label id="lab_slm_PrivateEducationLoansMember_7645fa11-6ee7-40b2-b46b-b55417298973_verboseLabel_en-US" xlink:label="lab_slm_PrivateEducationLoansMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Private education loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PrivateEducationLoansMember" xlink:to="lab_slm_PrivateEducationLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLoss_2e1a1da3-87a9-41d1-a68d-3b3cfd64e4ea_terseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income</link:label>
    <link:label id="lab_us-gaap_NetIncomeLoss_label_en-US" xlink:label="lab_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLoss" xlink:to="lab_us-gaap_NetIncomeLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TradingArrAxis_terseLabel_en-US" xlink:label="lab_ecd_TradingArrAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Arrangement:</link:label>
    <link:label id="lab_ecd_TradingArrAxis_label_en-US" xlink:label="lab_ecd_TradingArrAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TradingArrAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TradingArrAxis" xlink:to="lab_ecd_TradingArrAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTextBlock_7013347c-6684-41d3-b3d3-fd39aea37a9e_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments</link:label>
    <link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:to="lab_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_ba1c3123-e86e-4f63-bfc5-8dc7778b275a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year 3</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherInvestmentNotReadilyMarketableFairValue_60c2598d-b669-41fa-962d-7526e5edfc15_terseLabel_en-US" xlink:label="lab_us-gaap_OtherInvestmentNotReadilyMarketableFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-marketable securities investment</link:label>
    <link:label id="lab_us-gaap_OtherInvestmentNotReadilyMarketableFairValue_label_en-US" xlink:label="lab_us-gaap_OtherInvestmentNotReadilyMarketableFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Investment Not Readily Marketable, Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInvestmentNotReadilyMarketableFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherInvestmentNotReadilyMarketableFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherInvestmentNotReadilyMarketableFairValue" xlink:to="lab_us-gaap_OtherInvestmentNotReadilyMarketableFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationOfDebtDiscountPremium_c82c9497-5403-459a-945a-a2b8a1807a39_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationOfDebtDiscountPremium" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization of discount on unsecured borrowings</link:label>
    <link:label id="lab_us-gaap_AmortizationOfDebtDiscountPremium_label_en-US" xlink:label="lab_us-gaap_AmortizationOfDebtDiscountPremium" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of Debt Discount (Premium)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDebtDiscountPremium" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfDebtDiscountPremium"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationOfDebtDiscountPremium" xlink:to="lab_us-gaap_AmortizationOfDebtDiscountPremium" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PvpTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_PvpTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure, Table</link:label>
    <link:label id="lab_ecd_PvpTableTextBlock_label_en-US" xlink:label="lab_ecd_PvpTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PvpTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PvpTableTextBlock" xlink:to="lab_ecd_PvpTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingAssetsTableTextBlock_d739aa23-801e-4dd3-bc52-2fd259c046eb_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Offsetting Assets</link:label>
    <link:label id="lab_us-gaap_OffsettingAssetsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_OffsettingAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Assets [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffsettingAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingAssetsTableTextBlock" xlink:to="lab_us-gaap_OffsettingAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance_b2554155-6628-44cc-9971-f8d3b788ec0d_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Financing Receivable, Before Allowance For Credit Loss, Average Balance</link:label>
    <link:label id="lab_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance_documentation_en-US" xlink:label="lab_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Before Allowance For Credit Loss, Average Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" xlink:href="slm-20241231.xsd#slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" xlink:to="lab_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Excluding Value Reported in Compensation Table</link:label>
    <link:label id="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember_label_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Excluding Value Reported in the Compensation Table [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward_be514b38-3575-4881-9ce8-2f2366d54f93_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_VariableIncomeInterestRateMember_6fa8021a-4add-476a-a7e3-54a8b2482ee4_verboseLabel_en-US" xlink:label="lab_us-gaap_VariableIncomeInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Variable-rate</link:label>
    <link:label id="lab_us-gaap_VariableIncomeInterestRateMember_4c01cbe0-b849-443f-a56c-2067ec0ee1c2_terseLabel_en-US" xlink:label="lab_us-gaap_VariableIncomeInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable-rate</link:label>
    <link:label id="lab_us-gaap_VariableIncomeInterestRateMember_label_en-US" xlink:label="lab_us-gaap_VariableIncomeInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Income Interest Rate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableIncomeInterestRateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableIncomeInterestRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableIncomeInterestRateMember" xlink:to="lab_us-gaap_VariableIncomeInterestRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFileNumber_1b7975fc-7900-4e9b-ad77-4ec8cceb8890_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFileNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinanceReceivableTransferredToHeldForSaleLineItems_6620da65-6640-401c-8ff9-487a1cb07a53_terseLabel_en-US" xlink:label="lab_slm_FinanceReceivableTransferredToHeldForSaleLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finance Receivable Transferred To Held For Sale [Line Items]</link:label>
    <link:label id="lab_slm_FinanceReceivableTransferredToHeldForSaleLineItems_label_en-US" xlink:label="lab_slm_FinanceReceivableTransferredToHeldForSaleLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finance Receivable Transferred To Held For Sale [Line Items]</link:label>
    <link:label id="lab_slm_FinanceReceivableTransferredToHeldForSaleLineItems_documentation_en-US" xlink:label="lab_slm_FinanceReceivableTransferredToHeldForSaleLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Finance Receivable Transferred To Held For Sale [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems" xlink:href="slm-20241231.xsd#slm_FinanceReceivableTransferredToHeldForSaleLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems" xlink:to="lab_slm_FinanceReceivableTransferredToHeldForSaleLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidatedEntitiesDomain_5f0017bd-9e9c-419b-9b90-7dad20da78d6_terseLabel_en-US" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Domain]</link:label>
    <link:label id="lab_srt_ConsolidatedEntitiesDomain_label_en-US" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesDomain" xlink:to="lab_srt_ConsolidatedEntitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest_a6975143-8b08-4717-8c31-adacac1416be_terseLabel_en-US" xlink:label="lab_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest receivable</link:label>
    <link:label id="lab_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest_label_en-US" xlink:label="lab_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance As Percentage Of Ending Loan Balance And Accrued Interest</link:label>
    <link:label id="lab_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest_documentation_en-US" xlink:label="lab_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Allowance As Percentage Of Ending Loan Balance And Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" xlink:href="slm-20241231.xsd#slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" xlink:to="lab_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeStatementAbstract_7fbbf1b2-a3fe-4e4b-9f7f-73deccf4d0ce_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
    <link:label id="lab_us-gaap_IncomeStatementAbstract_label_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="lab_us-gaap_IncomeStatementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_54100d41-aefc-4fa1-9773-dfed7e8285fc_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CurrentFederalTaxExpenseBenefit_22f1fdc3-b393-4dd0-91c8-14c7778f5e4a_terseLabel_en-US" xlink:label="lab_us-gaap_CurrentFederalTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal</link:label>
    <link:label id="lab_us-gaap_CurrentFederalTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_CurrentFederalTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Federal Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CurrentFederalTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CurrentFederalTaxExpenseBenefit" xlink:to="lab_us-gaap_CurrentFederalTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryIndName_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryIndName_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryIndName" xlink:to="lab_ecd_ForgoneRecoveryIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_27a53d64-c1fe-4228-b570-07ff9149a73a_terseLabel_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AmortizationOfABCPUpfrontLoanFees_8227807e-68ab-40dc-bc80-1498114fb4cb_terseLabel_en-US" xlink:label="lab_slm_AmortizationOfABCPUpfrontLoanFees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization of Secured Borrowing Facility upfront fee</link:label>
    <link:label id="lab_slm_AmortizationOfABCPUpfrontLoanFees_c9a466a4-0e23-4453-bea9-55e49a3765e2_verboseLabel_en-US" xlink:label="lab_slm_AmortizationOfABCPUpfrontLoanFees" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Amortization of unsecured debt upfront fees</link:label>
    <link:label id="lab_slm_AmortizationOfABCPUpfrontLoanFees_label_en-US" xlink:label="lab_slm_AmortizationOfABCPUpfrontLoanFees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of ABCP Upfront Loan Fees</link:label>
    <link:label id="lab_slm_AmortizationOfABCPUpfrontLoanFees_documentation_en-US" xlink:label="lab_slm_AmortizationOfABCPUpfrontLoanFees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amortization of ABCP Upfront Loan Fees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfABCPUpfrontLoanFees" xlink:href="slm-20241231.xsd#slm_AmortizationOfABCPUpfrontLoanFees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AmortizationOfABCPUpfrontLoanFees" xlink:to="lab_slm_AmortizationOfABCPUpfrontLoanFees" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentPolicyTextBlock_8fa75118-3c3c-4570-b2e7-283d1007a025_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Investment, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentPolicyTextBlock"/>
    <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_OtherNoncashIncomeExpense_f0ff1fd8-7693-4118-ac03-dcd7ca8bbb19_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_OtherNoncashIncomeExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_ecd_AwardTmgMnpiCnsdrdFlag_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMnpiCnsdrdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Considered</link:label>
    <link:label id="lab_ecd_AwardTmgMnpiCnsdrdFlag_label_en-US" xlink:label="lab_ecd_AwardTmgMnpiCnsdrdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Considered [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgMnpiCnsdrdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:to="lab_ecd_AwardTmgMnpiCnsdrdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsDisclosureTextBlock_791494ec-22d0-448c-9ecf-6857116515de_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_LineOfCreditFacilityLineItems_4c9d50f7-716c-4692-ba62-1737d8b637e8_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Line Items]</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityLineItems_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems" xlink:to="lab_us-gaap_LineOfCreditFacilityLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_NJ_ef480a37-f201-47e3-a1a4-7a99fda46a11_terseLabel_en-US" xlink:label="lab_stpr_NJ" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/stpr-2024.xsd#stpr_NJ"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_NJ" xlink:to="lab_stpr_NJ" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_e208f6a0-b5ef-48b9-ad2a-13b21e33c225_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Decreases resulting from tax positions taken during a prior period</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Decrease Resulting from Prior Period Tax Positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OutstandingAggtErrCompAmt_terseLabel_en-US" xlink:label="lab_ecd_OutstandingAggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Outstanding Aggregate Erroneous Compensation Amount</link:label>
    <link:label id="lab_ecd_OutstandingAggtErrCompAmt_label_en-US" xlink:label="lab_ecd_OutstandingAggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Aggregate Erroneous Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OutstandingAggtErrCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OutstandingAggtErrCompAmt" xlink:to="lab_ecd_OutstandingAggtErrCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_f0bb8556-6062-4ff8-b7a7-89e1ee458df4_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_53d04efb-d300-4073-87c1-3a42712c54bf_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 1 Capital (to Average Assets)</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital Ratio, Well Capitalized, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:to="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapital_adbe5770-c6fb-489e-bd91-d91c4bab2b0a_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneLeverageCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapital" xlink:to="lab_us-gaap_TierOneLeverageCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_WithoutCosignerMember_3f64bf85-0d7f-4670-83bd-c27adbcdfc56_terseLabel_en-US" xlink:label="lab_slm_WithoutCosignerMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Without cosigner</link:label>
    <link:label id="lab_slm_WithoutCosignerMember_label_en-US" xlink:label="lab_slm_WithoutCosignerMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Without Cosigner [Member]</link:label>
    <link:label id="lab_slm_WithoutCosignerMember_documentation_en-US" xlink:label="lab_slm_WithoutCosignerMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Without Cosigner [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_WithoutCosignerMember" xlink:href="slm-20241231.xsd#slm_WithoutCosignerMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_WithoutCosignerMember" xlink:to="lab_slm_WithoutCosignerMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AllowanceForCreditLossesAbstract_8331e0f0-f0a3-4a6f-a50e-2dff5b8fb83e_terseLabel_en-US" xlink:label="lab_slm_AllowanceForCreditLossesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance For Credit Losses [Abstract]</link:label>
    <link:label id="lab_slm_AllowanceForCreditLossesAbstract_label_en-US" xlink:label="lab_slm_AllowanceForCreditLossesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance For Credit Losses [Abstract]</link:label>
    <link:label id="lab_slm_AllowanceForCreditLossesAbstract_documentation_en-US" xlink:label="lab_slm_AllowanceForCreditLossesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Allowance for credit losses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForCreditLossesAbstract" xlink:href="slm-20241231.xsd#slm_AllowanceForCreditLossesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AllowanceForCreditLossesAbstract" xlink:to="lab_slm_AllowanceForCreditLossesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_9b2a9d97-7f8f-4bff-a1ad-02adeab032ab_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unfunded loan commitments</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_9e4af67c-d033-43c5-b890-cf347f01cbc3_periodStartLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_cd2c2470-c14d-4b32-8d4f-d5f59c659f47_periodEndLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosure, off-Balance-Sheet Risks, Amount, Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability" xlink:to="lab_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_2cd5a0c6-81b1-4fae-b61d-ae2a0df55da0_terseLabel_en-US" xlink:label="lab_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_ecd_PeoActuallyPaidCompAmt_terseLabel_en-US" xlink:label="lab_ecd_PeoActuallyPaidCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Actually Paid Compensation Amount</link:label>
    <link:label id="lab_ecd_PeoActuallyPaidCompAmt_label_en-US" xlink:label="lab_ecd_PeoActuallyPaidCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Actually Paid Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoActuallyPaidCompAmt" xlink:to="lab_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AllowanceAbstract_f187fadc-0928-4b15-8a12-a7ea35170a14_terseLabel_en-US" xlink:label="lab_slm_AllowanceAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance</link:label>
    <link:label id="lab_slm_AllowanceAbstract_label_en-US" xlink:label="lab_slm_AllowanceAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance [Abstract]</link:label>
    <link:label id="lab_slm_AllowanceAbstract_documentation_en-US" xlink:label="lab_slm_AllowanceAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Allowance.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceAbstract" xlink:href="slm-20241231.xsd#slm_AllowanceAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AllowanceAbstract" xlink:to="lab_slm_AllowanceAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DilutiveSecuritiesAbstract_9c8f9460-e9ab-4a9e-9e02-22db39aa913e_terseLabel_en-US" xlink:label="lab_us-gaap_DilutiveSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Dilutive Securities, Effect on Basic Earnings Per Share [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DilutiveSecuritiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DilutiveSecuritiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DilutiveSecuritiesAbstract" xlink:to="lab_us-gaap_DilutiveSecuritiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToCompAxis_terseLabel_en-US" xlink:label="lab_ecd_AdjToCompAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation:</link:label>
    <link:label id="lab_ecd_AdjToCompAxis_label_en-US" xlink:label="lab_ecd_AdjToCompAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToCompAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToCompAxis" xlink:to="lab_ecd_AdjToCompAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilitiesAbstract_32ffb8e1-b829-40b6-9a85-bc149dcf895f_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_880d2347-4089-4fd5-9c39-cf6d2837a084_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan reserves</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Asset, Tax Deferred Expense, Reserve and Accrual, Financing Receivable, Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:to="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_110a1ab0-0f6a-4ad5-a783-e3152c23d244_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing liabilities:</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:to="lab_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased_950bce20-9ccc-4794-a03a-2f1d58b30727_terseLabel_en-US" xlink:label="lab_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of additional shares authorized to be repurchased</link:label>
    <link:label id="lab_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased_label_en-US" xlink:label="lab_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Repurchase Program, Number of Additional Shares Authorized to be Repurchased</link:label>
    <link:label id="lab_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased_documentation_en-US" xlink:label="lab_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Stock Repurchase Program, Number of Additional Shares Authorized to be Repurchased</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased" xlink:href="slm-20241231.xsd#slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased" xlink:to="lab_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConsumerPortfolioSegmentMember_773d4ade-8a7f-40ab-ada4-b92632243769_terseLabel_en-US" xlink:label="lab_us-gaap_ConsumerPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_InterestExpenseOperating_621a4f5f-950b-4429-a4b0-df58e354e34f_totalLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOperating" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOperating_a72602d8-b12a-4529-a423-bea14efd21af_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOperating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOperating_label_en-US" xlink:label="lab_us-gaap_InterestExpenseOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseOperating" xlink:to="lab_us-gaap_InterestExpenseOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets_ab23616a-e2a5-4241-bc5a-4504938f14ca_terseLabel_en-US" xlink:label="lab_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</link:label>
    <link:label id="lab_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets_label_en-US" xlink:label="lab_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tier One Common Equity Capital to Risk Weighted Assets</link:label>
    <link:label id="lab_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets_documentation_en-US" xlink:label="lab_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tier One Common Equity Capital to Risk Weighted Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets" xlink:href="slm-20241231.xsd#slm_TierOneCommonEquityCapitaltoRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets" xlink:to="lab_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_02ad22de-d8f7-46ec-8f24-aaccb6492438_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive loss (net of tax benefit of $(21,209) and $(24,176), respectively)</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_7a3b9765-90c7-415f-a619-bb99aaf5d0e4_verboseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive loss (net of tax benefit of $(21,209) and $(24,176), 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" 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/2024/elts/us-gaap-2024.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_ecd_PnsnAdjsSvcCstMember_terseLabel_en-US" xlink:label="lab_ecd_PnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension Adjustments Service Cost</link:label>
    <link:label id="lab_ecd_PnsnAdjsSvcCstMember_label_en-US" xlink:label="lab_ecd_PnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Adjustments Service Cost [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PnsnAdjsSvcCstMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PnsnAdjsSvcCstMember" xlink:to="lab_ecd_PnsnAdjsSvcCstMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_454caca8-effc-4ea8-854a-6148eef45d26_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average common shares outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_8df441d4-54a7-4cab-8dfb-c5a04d63f19c_verboseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Weighted average shares used to compute basic EPS (in shares)</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_label_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock_terseLabel_en-US" xlink:label="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Price or TSR Estimation Method</link:label>
    <link:label id="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock_label_en-US" xlink:label="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Price or TSR Estimation Method [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:to="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear_ffc315dc-e9ad-4790-bff9-d9f792d487f0_terseLabel_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 1</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated In Current Fiscal Year</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated In Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" xlink:to="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_37aca7c7-d2e9-4500-8de7-ad9521106948_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Gross Unrealized Losses</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationTable_79990184-8037-42ec-8a56-2b795d0553b9_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:label id="lab_dei_DocumentInformationTable_label_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentInformationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationTable" xlink:to="lab_dei_DocumentInformationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_ee4b9781-0206-42c8-949f-3dd5cddbf6a0_terseLabel_en-US" xlink:label="lab_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquired intangible assets impairment and amortization expense</link:label>
    <link:label id="lab_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_bf235a88-ed46-40eb-9d19-2f4df4398671_verboseLabel_en-US" xlink:label="lab_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Acquired intangible assets impairment and amortization expense</link:label>
    <link:label id="lab_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_label_en-US" xlink:label="lab_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of Acquired Intangible Assets, Including Impairment of Intangible Assets</link:label>
    <link:label id="lab_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_documentation_en-US" xlink:label="lab_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amortization of Acquired Intangible Assets, Including Impairment of Intangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" xlink:href="slm-20241231.xsd#slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" xlink:to="lab_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_970c4fd1-168c-4427-9703-41fd44ee0c93_totalLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total equity</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_d2b0f285-316e-4520-820b-1aeff662caef_periodStartLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_97965378-7547-4767-9418-98ead83bd5c0_periodEndLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" xml:lang="en-US">Equity, Including Portion Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:to="lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalAbstract_27ccdf37-cf89-4728-99e7-ffe48f1bf01e_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Well Capitalized Regulatory Requirements, Amount</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalAbstract_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneLeverageCapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract" xlink:to="lab_us-gaap_TierOneLeverageCapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_NY_16ea3522-601d-4c6f-90b1-63a749288240_terseLabel_en-US" xlink:label="lab_stpr_NY" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New York</link:label>
    <link:label id="lab_stpr_NY_label_en-US" xlink:label="lab_stpr_NY" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NEW YORK</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NY" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_NY"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_NY" xlink:to="lab_stpr_NY" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscIndName_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscIndName_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:to="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_6aae7ca1-988f-483a-8a37-16110343630d_negatedLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Canceled (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Forfeitures in Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_8fb71586-bb8f-412b-8302-2464e3b23f27_totalLabel_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans deferred origination costs and unamortized premium/(discount), Total</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_label_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Unamortized Premium Or Discount, Before Allowance For Credit Loss</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_documentation_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Unamortized Premium Or Discount, Before Allowance For Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" xlink:to="lab_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_e7c832d8-d860-4901-8147-d50c9c977656_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Gross Unrealized Losses</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFilerCategory_561377d6-e8fc-4c8f-89b0-1331d968850b_terseLabel_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
    <link:label id="lab_dei_EntityFilerCategory_label_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFilerCategory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFilerCategory" xlink:to="lab_dei_EntityFilerCategory" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharesIssued_1a55da55-97f8-4fd4-b4e5-05fda5d6b9d4_periodStartLabel_en-US" xlink:label="lab_us-gaap_SharesIssued" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance, shares issued (in shares)</link:label>
    <link:label id="lab_us-gaap_SharesIssued_f315ab00-ae03-4a88-aad5-c1801ab0258a_periodEndLabel_en-US" xlink:label="lab_us-gaap_SharesIssued" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance, shares issued (in shares)</link:label>
    <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" 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/2024/elts/us-gaap-2024.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_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_a3a7a948-27df-4a2a-adeb-2bc4c8493c67_terseLabel_en-US" xlink:label="lab_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision</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" 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/2024/elts/us-gaap-2024.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_slm_LoansGrossOriginatedInCurrentFiscalYear_9af50063-8578-4ed8-91f9-9e06b03d1e58_terseLabel_en-US" xlink:label="lab_slm_LoansGrossOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans, gross, Year 1</link:label>
    <link:label id="lab_slm_LoansGrossOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_LoansGrossOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Gross, Originated In Current Fiscal Year</link:label>
    <link:label id="lab_slm_LoansGrossOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansGrossOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Gross, Originated In Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedInCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansGrossOriginatedInCurrentFiscalYear" xlink:to="lab_slm_LoansGrossOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedBalanceSheetStatementTable_ae105ac9-a727-4b8f-b2f0-47c5f441790e_terseLabel_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet Statement [Table]</link:label>
    <link:label id="lab_srt_CondensedBalanceSheetStatementTable_label_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet Statement [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementTable" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedBalanceSheetStatementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedBalanceSheetStatementTable" xlink:to="lab_srt_CondensedBalanceSheetStatementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems_d913618c-4de9-40e0-8a98-cc0d474430e9_terseLabel_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet Statements, Captions [Line Items]</link:label>
    <link:label id="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems_label_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet Statements, Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedBalanceSheetStatementsCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:to="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear_05e0935d-1c89-4143-82b6-109a595bb0bc_terseLabel_en-US" xlink:label="lab_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans, gross, Year 3</link:label>
    <link:label id="lab_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Gross, Originated Two Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Gross, Originated Two Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" xlink:to="lab_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RangeMember_1f67083e-6a60-4b67-b41e-1078ca7cfe50_terseLabel_en-US" xlink:label="lab_srt_RangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Domain]</link:label>
    <link:label id="lab_srt_RangeMember_label_en-US" xlink:label="lab_srt_RangeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RangeMember" xlink:to="lab_srt_RangeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansheldforinvestmentbyRegionTableTextBlock_e98168f5-65dd-401d-b42a-ff14ed5be07c_terseLabel_en-US" xlink:label="lab_slm_LoansheldforinvestmentbyRegionTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Loans Held for Investment by Region</link:label>
    <link:label id="lab_slm_LoansheldforinvestmentbyRegionTableTextBlock_label_en-US" xlink:label="lab_slm_LoansheldforinvestmentbyRegionTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans held for investment by Region [Table Text Block]</link:label>
    <link:label id="lab_slm_LoansheldforinvestmentbyRegionTableTextBlock_documentation_en-US" xlink:label="lab_slm_LoansheldforinvestmentbyRegionTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">[Table Text Block] for Loans held for investment by Region [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansheldforinvestmentbyRegionTableTextBlock" xlink:href="slm-20241231.xsd#slm_LoansheldforinvestmentbyRegionTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansheldforinvestmentbyRegionTableTextBlock" xlink:to="lab_slm_LoansheldforinvestmentbyRegionTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_33d1c5a8-9f58-4caf-92dc-9b84676f6317_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Gross Unrealized Losses</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:to="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativesFairValueLineItems_c6bce42e-b43d-4d94-ad15-48aa9f150910_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativesFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives, Fair Value [Line Items]</link:label>
    <link:label id="lab_us-gaap_DerivativesFairValueLineItems_label_en-US" xlink:label="lab_us-gaap_DerivativesFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives, Fair Value [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativesFairValueLineItems" xlink:to="lab_us-gaap_DerivativesFairValueLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_WeightedAverageInterestRateonLoans_67250acd-6580-4fd4-ae5d-7d446fd2225b_terseLabel_en-US" xlink:label="lab_slm_WeightedAverageInterestRateonLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average Interest Rate</link:label>
    <link:label id="lab_slm_WeightedAverageInterestRateonLoans_label_en-US" xlink:label="lab_slm_WeightedAverageInterestRateonLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Interest Rate on Loans</link:label>
    <link:label id="lab_slm_WeightedAverageInterestRateonLoans_documentation_en-US" xlink:label="lab_slm_WeightedAverageInterestRateonLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Weighted Average Interest Rate on Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_WeightedAverageInterestRateonLoans" xlink:href="slm-20241231.xsd#slm_WeightedAverageInterestRateonLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_WeightedAverageInterestRateonLoans" xlink:to="lab_slm_WeightedAverageInterestRateonLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SchoolFICORefreshedAmountsMember_7d46c0c4-4249-4f5f-ac57-556e4d0f9b6d_terseLabel_en-US" xlink:label="lab_slm_SchoolFICORefreshedAmountsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FICO Refreshed</link:label>
    <link:label id="lab_slm_SchoolFICORefreshedAmountsMember_label_en-US" xlink:label="lab_slm_SchoolFICORefreshedAmountsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">School FICO, Refreshed Amounts [Member]</link:label>
    <link:label id="lab_slm_SchoolFICORefreshedAmountsMember_documentation_en-US" xlink:label="lab_slm_SchoolFICORefreshedAmountsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">School FICO, Refreshed Amounts [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchoolFICORefreshedAmountsMember" xlink:href="slm-20241231.xsd#slm_SchoolFICORefreshedAmountsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SchoolFICORefreshedAmountsMember" xlink:to="lab_slm_SchoolFICORefreshedAmountsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesMember_45b921aa-50f0-44c6-b5e4-a3508b6b2c5a_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Available For Sale - Debt Securities</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesMember" xlink:to="lab_us-gaap_DebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock_95cbd29a-b03a-4b4a-97a9-7f1c44a300a6_terseLabel_en-US" xlink:label="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_AllowanceForCreditLossExcludingAccruedInterest_ca6cd524-f9da-4fa6-a38f-c119fe191288_terseLabel_en-US" xlink:label="lab_slm_AllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total allowance for credit losses, ending balance</link:label>
    <link:label id="lab_slm_AllowanceForCreditLossExcludingAccruedInterest_label_en-US" xlink:label="lab_slm_AllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance for Credit Loss, Excluding Accrued Interest</link:label>
    <link:label id="lab_slm_AllowanceForCreditLossExcludingAccruedInterest_documentation_en-US" xlink:label="lab_slm_AllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Allowance for Credit Loss, Excluding Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForCreditLossExcludingAccruedInterest" xlink:href="slm-20241231.xsd#slm_AllowanceForCreditLossExcludingAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AllowanceForCreditLossExcludingAccruedInterest" xlink:to="lab_slm_AllowanceForCreditLossExcludingAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DepositsPeriodofNotificationforWithdrawal_ca3a254a-c7c5-48fa-97b1-3ba0af8fcbf5_terseLabel_en-US" xlink:label="lab_slm_DepositsPeriodofNotificationforWithdrawal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Period of notification for withdrawal of deposits (less than or equal to)</link:label>
    <link:label id="lab_slm_DepositsPeriodofNotificationforWithdrawal_label_en-US" xlink:label="lab_slm_DepositsPeriodofNotificationforWithdrawal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits, Period of Notification for Withdrawal</link:label>
    <link:label id="lab_slm_DepositsPeriodofNotificationforWithdrawal_documentation_en-US" xlink:label="lab_slm_DepositsPeriodofNotificationforWithdrawal" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deposits, Period of Notification for Withdrawal</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DepositsPeriodofNotificationforWithdrawal" xlink:href="slm-20241231.xsd#slm_DepositsPeriodofNotificationforWithdrawal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DepositsPeriodofNotificationforWithdrawal" xlink:to="lab_slm_DepositsPeriodofNotificationforWithdrawal" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoanRestructuringModificationAxis_f63b04a9-1b0e-402d-8f44-650040e748d9_terseLabel_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Axis]</link:label>
    <link:label id="lab_us-gaap_LoanRestructuringModificationAxis_label_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis" xlink:to="lab_us-gaap_LoanRestructuringModificationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization_dc1c8635-94e8-43b1-aa43-e4ad68254b7b_terseLabel_en-US" xlink:label="lab_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private education loan term accounted for as a secured financing</link:label>
    <link:label id="lab_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization_label_en-US" xlink:label="lab_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan, Held-for-Sale or Securitization or Asset-Backed Financing Arrangement, Principal Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" xlink:to="lab_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate_c4c9a819-212d-4896-b204-fc4092143833_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrecognized tax benefits recognition impact on effective tax rate</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits that Would Impact Effective Tax Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NumeratorAbstract_bdbf93ba-279e-4f42-a06c-65658fbd1765_terseLabel_en-US" xlink:label="lab_slm_NumeratorAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Numerator:</link:label>
    <link:label id="lab_slm_NumeratorAbstract_label_en-US" xlink:label="lab_slm_NumeratorAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Numerator [Abstract]</link:label>
    <link:label id="lab_slm_NumeratorAbstract_documentation_en-US" xlink:label="lab_slm_NumeratorAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Numerator.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NumeratorAbstract" xlink:href="slm-20241231.xsd#slm_NumeratorAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NumeratorAbstract" xlink:to="lab_slm_NumeratorAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock_129670bd-d585-4a60-8285-95575d3b524f_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Notional Amounts of Outstanding Derivative Positions</link:label>
    <link:label id="lab_us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Notional Amounts of Outstanding Derivative Positions [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentReportingInformationLineItems_05fdce5b-c3c3-432a-a199-22df13a6d635_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment Reporting Information [Line Items]</link:label>
    <link:label id="lab_us-gaap_SegmentReportingInformationLineItems_label_en-US" xlink:label="lab_us-gaap_SegmentReportingInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting Information [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems" xlink:to="lab_us-gaap_SegmentReportingInformationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllTradingArrangementsMember_terseLabel_en-US" xlink:label="lab_ecd_AllTradingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Trading Arrangements</link:label>
    <link:label id="lab_ecd_AllTradingArrangementsMember_label_en-US" xlink:label="lab_ecd_AllTradingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Trading Arrangements [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllTradingArrangementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllTradingArrangementsMember" xlink:to="lab_ecd_AllTradingArrangementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Net Income</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Net Income [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings_76443ae3-77ad-4f3b-87ce-d90507b3981b_terseLabel_en-US" xlink:label="lab_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in fair value of future interest payments recorded in earnings</link:label>
    <link:label id="lab_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings_label_en-US" xlink:label="lab_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments Increase (Decrease) In Fair Value Of Future Interest Payments Recorded In Earnings</link:label>
    <link:label id="lab_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings_documentation_en-US" xlink:label="lab_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Derivative Instruments Increase (Decrease) In Fair Value Of Future Interest Payments Recorded In Earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" xlink:href="slm-20241231.xsd#slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" xlink:to="lab_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_22daa2d7-cc7f-428b-bf84-5243c3021c6f_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Earnings Per Share, Basic and Diluted</link:label>
    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_a85511db-eb08-409b-b38a-09197be45670_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_A2021OmnibusIncentivePlanMember_8f12902a-95f3-48fd-8f1a-32e7742fcb6e_terseLabel_en-US" xlink:label="lab_slm_A2021OmnibusIncentivePlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2021 Omnibus Incentive Plan</link:label>
    <link:label id="lab_slm_A2021OmnibusIncentivePlanMember_label_en-US" xlink:label="lab_slm_A2021OmnibusIncentivePlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">2021 Omnibus Incentive Plan [Member]</link:label>
    <link:label id="lab_slm_A2021OmnibusIncentivePlanMember_documentation_en-US" xlink:label="lab_slm_A2021OmnibusIncentivePlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">2021 Omnibus Incentive Plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2021OmnibusIncentivePlanMember" xlink:href="slm-20241231.xsd#slm_A2021OmnibusIncentivePlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_A2021OmnibusIncentivePlanMember" xlink:to="lab_slm_A2021OmnibusIncentivePlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_ed76ce4f-8869-45b6-8c5a-e4ffbb16c34c_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_ecd_Rule10b51ArrAdoptedFlag_terseLabel_en-US" xlink:label="lab_ecd_Rule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Adopted</link:label>
    <link:label id="lab_ecd_Rule10b51ArrAdoptedFlag_label_en-US" xlink:label="lab_ecd_Rule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Adopted [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_Rule10b51ArrAdoptedFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:to="lab_ecd_Rule10b51ArrAdoptedFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration_45a67e95-9024-4a11-add6-971ebb8d7959_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration_label_en-US" xlink:label="lab_us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration" xlink:to="lab_us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTable_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTable_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLineItems_921bcc7b-27b3-4d19-a75c-51730b47d596_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative [Line Items]</link:label>
    <link:label id="lab_us-gaap_DerivativeLineItems_label_en-US" xlink:label="lab_us-gaap_DerivativeLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLineItems" xlink:to="lab_us-gaap_DerivativeLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StudentLoanMember_f5b20054-7b98-4429-8bf2-63e667eeae57_terseLabel_en-US" xlink:label="lab_us-gaap_StudentLoanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Student Loan</link:label>
    <link:label id="lab_us-gaap_StudentLoanMember_label_en-US" xlink:label="lab_us-gaap_StudentLoanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Student Loan [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StudentLoanMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StudentLoanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StudentLoanMember" xlink:to="lab_us-gaap_StudentLoanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PrivateEducationLoansGrossPercentage_53497d77-20fb-4021-b549-6e34f7ad731c_totalLabel_en-US" xlink:label="lab_slm_PrivateEducationLoansGrossPercentage" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total in percent</link:label>
    <link:label id="lab_slm_PrivateEducationLoansGrossPercentage_label_en-US" xlink:label="lab_slm_PrivateEducationLoansGrossPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Private Education Loans Gross, Percentage</link:label>
    <link:label id="lab_slm_PrivateEducationLoansGrossPercentage_documentation_en-US" xlink:label="lab_slm_PrivateEducationLoansGrossPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Private education loans gross in percent.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansGrossPercentage" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansGrossPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PrivateEducationLoansGrossPercentage" xlink:to="lab_slm_PrivateEducationLoansGrossPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PayVsPerformanceDisclosureLineItems_label_en-US" xlink:label="lab_ecd_PayVsPerformanceDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="lab_ecd_PayVsPerformanceDisclosureLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_5a89e100-dded-4e8c-a279-262a7b6ba679_totalLabel_en-US" xlink:label="lab_slm_LoansInRepaymentBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans in forbearance, total</link:label>
    <link:label id="lab_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_label_en-US" xlink:label="lab_slm_LoansInRepaymentBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans In Repayment, Before Allowance For Credit Loss</link:label>
    <link:label id="lab_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_documentation_en-US" xlink:label="lab_slm_LoansInRepaymentBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans In Repayment, Before Allowance For Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentBeforeAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss" xlink:to="lab_slm_LoansInRepaymentBeforeAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeerGroupTotalShareholderRtnAmt_terseLabel_en-US" xlink:label="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Peer Group Total Shareholder Return Amount</link:label>
    <link:label id="lab_ecd_PeerGroupTotalShareholderRtnAmt_label_en-US" xlink:label="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Peer Group Total Shareholder Return Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeerGroupTotalShareholderRtnAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:to="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeTable_039e8834-a729-4c2e-a1d2-5f6eb155dc94_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative [Table]</link:label>
    <link:label id="lab_us-gaap_DerivativeTable_label_en-US" xlink:label="lab_us-gaap_DerivativeTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeTable" xlink:to="lab_us-gaap_DerivativeTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IntangibleAssetsNetIncludingGoodwill_f0c38458-7eec-43af-9bd6-6c089a786fb2_terseLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill and acquired intangible assets, net</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsNetIncludingGoodwill_label_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Assets, Net (Including Goodwill)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:to="lab_us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_414cff84-a850-4528-9e7d-3ea15726c66e_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred provision (benefit):</link:label>
    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_label_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Income Tax Expense (Benefit), Continuing Operations [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:to="lab_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_TX_e23ccf04-e0d9-4c05-b76a-ddea63a67555_terseLabel_en-US" xlink:label="lab_stpr_TX" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Texas</link:label>
    <link:label id="lab_stpr_TX_label_en-US" xlink:label="lab_stpr_TX" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">TEXAS</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_TX" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_TX"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_TX" xlink:to="lab_stpr_TX" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_b222efb2-1f90-47f3-a1b5-8a06cbd43851_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Impact of Derivatives on the Consolidated Balance Sheet</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:to="lab_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DebtSecuritiesAvailableForSaleNumberOfPositions_aedb8dd1-5f58-4294-aee3-d6b9abebb6d5_terseLabel_en-US" xlink:label="lab_slm_DebtSecuritiesAvailableForSaleNumberOfPositions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_DebtSecuritiesAvailableForSaleNumberOfPositions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DebtSecuritiesAvailableForSaleNumberOfPositions" xlink:to="lab_slm_DebtSecuritiesAvailableForSaleNumberOfPositions" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AllowanceForCreditCardLoansPolicyTextBlock_dd198ea0-af2a-4b92-9890-f85344efff7f_terseLabel_en-US" xlink:label="lab_slm_AllowanceForCreditCardLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Allowance For Credit Card Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForCreditCardLoansPolicyTextBlock" xlink:href="slm-20241231.xsd#slm_AllowanceForCreditCardLoansPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AllowanceForCreditCardLoansPolicyTextBlock" xlink:to="lab_slm_AllowanceForCreditCardLoansPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock_f1accddc-3a85-4daa-ba54-1a46bad85c68_terseLabel_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock_label_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposit Liabilities Disclosures [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.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_ecd_OtherPerfMeasureAmt_terseLabel_en-US" xlink:label="lab_ecd_OtherPerfMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Performance Measure, Amount</link:label>
    <link:label id="lab_ecd_OtherPerfMeasureAmt_label_en-US" xlink:label="lab_ecd_OtherPerfMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Performance Measure, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OtherPerfMeasureAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OtherPerfMeasureAmt" xlink:to="lab_ecd_OtherPerfMeasureAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_e4a1493f-03cd-4b5f-bd31-52693b17ce99_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected amortization of 2027</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FICOscore670699Member_26eb748d-677f-4f78-bc0f-75dbca583480_terseLabel_en-US" xlink:label="lab_slm_FICOscore670699Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">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" 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" xml:lang="en-US">FICO score 670-699 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscore670699Member" xlink:href="slm-20241231.xsd#slm_FICOscore670699Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FICOscore670699Member" xlink:to="lab_slm_FICOscore670699Member" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageofLoansheldinstate_1835a66f-67ee-42f4-8fae-40e147283dac_terseLabel_en-US" xlink:label="lab_slm_PercentageofLoansheldinstate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Percentage of Loans held in state</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofLoansheldinstate" xlink:href="slm-20241231.xsd#slm_PercentageofLoansheldinstate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageofLoansheldinstate" xlink:to="lab_slm_PercentageofLoansheldinstate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_c1566cbc-6656-47d3-a80c-52fcee06655a_periodStartLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_295f7b41-bc32-48b8-93f9-9001e67c0631_periodEndLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_aa056055-50ef-4f0f-9cee-d6a9317131e3_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock shares outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares, Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <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_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_a2c2f24b-d73c-4396-8123-1d99881b692f_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized gains (losses) on investments</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentsIncorporatedByReferenceTextBlock_1c97e817-34a9-4277-b035-5109ac8e75c1_terseLabel_en-US" xlink:label="lab_dei_DocumentsIncorporatedByReferenceTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Documents Incorporated by Reference [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentsIncorporatedByReferenceTextBlock" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentsIncorporatedByReferenceTextBlock"/>
    <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_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear_8062752f-5316-4ca9-9fc2-f1e0623bf7aa_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total accrued interest by origination vintage, Year 3</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued interest, Origination Vintage, Originated Two Years before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued interest, Origination Vintage, Originated Two Years before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_f7069280-383e-496a-ae2d-47d21cf39f34_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AccruedInterestReceivableNotExpectedToBeCapitalized_fd5a0407-b815-4375-b973-5cc76d0d30b3_terseLabel_en-US" xlink:label="lab_slm_AccruedInterestReceivableNotExpectedToBeCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest receivable not expected to be capitalized</link:label>
    <link:label id="lab_slm_AccruedInterestReceivableNotExpectedToBeCapitalized_label_en-US" xlink:label="lab_slm_AccruedInterestReceivableNotExpectedToBeCapitalized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued Interest Receivable Not Expected To Be Capitalized</link:label>
    <link:label id="lab_slm_AccruedInterestReceivableNotExpectedToBeCapitalized_documentation_en-US" xlink:label="lab_slm_AccruedInterestReceivableNotExpectedToBeCapitalized" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accrued Interest Receivable Not Expected To Be Capitalized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableNotExpectedToBeCapitalized" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableNotExpectedToBeCapitalized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AccruedInterestReceivableNotExpectedToBeCapitalized" xlink:to="lab_slm_AccruedInterestReceivableNotExpectedToBeCapitalized" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestReceivable_2ac8c8a7-90c3-4e43-9fd3-85b731252d27_terseLabel_en-US" xlink:label="lab_us-gaap_InterestReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_CashFlowHedgingMember_62d43926-43be-4f2b-86ce-8a7782401290_terseLabel_en-US" xlink:label="lab_us-gaap_CashFlowHedgingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Flow</link:label>
    <link:label id="lab_us-gaap_CashFlowHedgingMember_label_en-US" xlink:label="lab_us-gaap_CashFlowHedgingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow Hedging [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashFlowHedgingMember" xlink:to="lab_us-gaap_CashFlowHedgingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_InterestRateReductionPercentage_bb3545ee-557c-4c67-b256-a01d352485e3_terseLabel_en-US" xlink:label="lab_slm_InterestRateReductionPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Interest Rate Reduction, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestRateReductionPercentage" xlink:href="slm-20241231.xsd#slm_InterestRateReductionPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_InterestRateReductionPercentage" xlink:to="lab_slm_InterestRateReductionPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockLiquidationPreference_b89aa23a-c7c4-48d6-84ed-27d059721cfc_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockLiquidationPreference" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock liquidation preference (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockLiquidationPreference_label_en-US" xlink:label="lab_us-gaap_PreferredStockLiquidationPreference" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Liquidation Preference Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockLiquidationPreference" xlink:to="lab_us-gaap_PreferredStockLiquidationPreference" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_c2d2fe4b-ea63-4ce3-b2ef-47405e61e37a_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityTaxIdentificationNumber" xlink:to="lab_dei_EntityTaxIdentificationNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_73cd821b-a2c7-4044-948a-f1d33817c7e8_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banking Regulation, Regulatory Capital Requirement, Compliance [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Regulatory Capital Requirement, Compliance [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:to="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CosignerMember_8511bf75-2a04-4ab6-987b-b1e3d898d3be_terseLabel_en-US" xlink:label="lab_slm_CosignerMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">With and without cosigners</link:label>
    <link:label id="lab_slm_CosignerMember_label_en-US" xlink:label="lab_slm_CosignerMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cosigner [Member]</link:label>
    <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" xml:lang="en-US">Cosigner credit quality indicators that are developed and used internally by the company.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CosignerMember" xlink:href="slm-20241231.xsd#slm_CosignerMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CosignerMember" xlink:to="lab_slm_CosignerMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_681c6951-f636-4f10-a1ab-f1baf9613a28_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible Asset, Finite-Lived [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Asset, Finite-Lived [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:to="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDebtInstrumentsTextBlock_1ffe4bae-05d7-4755-ad8f-2f329c140c99_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDebtInstrumentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Long-term Borrowings</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDebtInstrumentsTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDebtInstrumentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Long-Term Debt Instruments [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDebtInstrumentsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfDebtInstrumentsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDebtInstrumentsTextBlock" xlink:to="lab_us-gaap_ScheduleOfDebtInstrumentsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions_14e38f73-963b-4e9a-9518-2667775996f4_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increases resulting from tax positions taken during a prior period</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Increase Resulting from Prior Period Tax Positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockSharesAcquired_9d88cc76-3498-419c-b59c-07710e5c9502_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockSharesAcquired" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Common stock repurchased (in shares)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockSharesAcquired_18b63533-e16d-4c19-826e-1ee030657baf_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockSharesAcquired" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock repurchased under repurchase programs (in shares)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockSharesAcquired_label_en-US" xlink:label="lab_us-gaap_TreasuryStockSharesAcquired" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Shares, Acquired</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockSharesAcquired" xlink:to="lab_us-gaap_TreasuryStockSharesAcquired" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_55ccf61e-7501-400a-9c1d-9319acebab0e_verboseLabel_en-US" xlink:label="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans Held for Investment</link:label>
    <link:label id="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans, Notes, Trade and Other Receivables Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:to="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansOriginatedInCurrentFiscalYear_807ea5f7-857c-4498-a325-d73098bacf0b_terseLabel_en-US" xlink:label="lab_slm_LoansOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_LoansOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansOriginatedInCurrentFiscalYear" xlink:to="lab_slm_LoansOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalCommitments_2838f7d4-7c0f-44e0-a324-825c3205511a_totalLabel_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalCommitments" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loan provisions for credit losses</link:label>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalCommitments_label_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal), Commitments</link:label>
    <link:label id="lab_slm_FinancingReceivableCreditLossExpenseReversalCommitments_documentation_en-US" xlink:label="lab_slm_FinancingReceivableCreditLossExpenseReversalCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal), Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalCommitments" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableCreditLossExpenseReversalCommitments" xlink:to="lab_slm_FinancingReceivableCreditLossExpenseReversalCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockCommonMember_9103567e-23f4-429e-b999-9c0fb62651d8_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury Stock</link:label>
    <link:label id="lab_us-gaap_TreasuryStockCommonMember_label_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Common [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockCommonMember" xlink:to="lab_us-gaap_TreasuryStockCommonMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsNetAbstract_b8c99736-f4cc-4cbe-8573-43ebdb513d10_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsNetAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax assets:</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsNetAbstract_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsNetAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Net [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsNetAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsNetAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract" xlink:to="lab_us-gaap_DeferredTaxAssetsNetAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PlanNameAxis_169b3592-601f-424b-8cf5-a409b9db6810_terseLabel_en-US" xlink:label="lab_us-gaap_PlanNameAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_Maturity2027Member_2b7f0d3c-4dfe-4bec-8316-6099b4f8085e_terseLabel_en-US" xlink:label="lab_slm_Maturity2027Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_slm_Maturity2027Member_label_en-US" xlink:label="lab_slm_Maturity2027Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity 2027 [Member]</link:label>
    <link:label id="lab_slm_Maturity2027Member_documentation_en-US" xlink:label="lab_slm_Maturity2027Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maturity 2027</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2027Member" xlink:href="slm-20241231.xsd#slm_Maturity2027Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2027Member" xlink:to="lab_slm_Maturity2027Member" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale_4cb28c75-d516-4030-8031-c09617f6cc50_negatedTerseLabel_en-US" xlink:label="lab_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net decrease in loans held for investment and loans held for sale (other than loans acquired and originated, and loan sales)</link:label>
    <link:label id="lab_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale_label_en-US" xlink:label="lab_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Decrease in Loans Held for Investment and Loans Held for Sale</link:label>
    <link:label id="lab_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale_documentation_en-US" xlink:label="lab_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Decrease in Loans Held for Investment and Loans Held for Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale" xlink:href="slm-20241231.xsd#slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale" xlink:to="lab_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_TradingInvestmentReceivedInConsiderationForLoansSold_e647ef4c-fa23-4547-8f37-16ed934abf53_terseLabel_en-US" xlink:label="lab_slm_TradingInvestmentReceivedInConsiderationForLoansSold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading investments received in consideration for loans sold</link:label>
    <link:label id="lab_slm_TradingInvestmentReceivedInConsiderationForLoansSold_label_en-US" xlink:label="lab_slm_TradingInvestmentReceivedInConsiderationForLoansSold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Investment Received in Consideration for Loans Sold</link:label>
    <link:label id="lab_slm_TradingInvestmentReceivedInConsiderationForLoansSold_documentation_en-US" xlink:label="lab_slm_TradingInvestmentReceivedInConsiderationForLoansSold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Trading Investment Received in Consideration for Loans Sold</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TradingInvestmentReceivedInConsiderationForLoansSold" xlink:href="slm-20241231.xsd#slm_TradingInvestmentReceivedInConsiderationForLoansSold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_TradingInvestmentReceivedInConsiderationForLoansSold" xlink:to="lab_slm_TradingInvestmentReceivedInConsiderationForLoansSold" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementEquityComponentsAxis_ba421453-241f-40f5-a3c1-2346eeb71257_terseLabel_en-US" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementEquityComponentsAxis_label_en-US" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementEquityComponentsAxis" xlink:to="lab_us-gaap_StatementEquityComponentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxReceivable_cbc89521-10ed-470a-8f70-533ec3aa2fcb_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income taxes receivable, net</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" xml:lang="en-US">Income Taxes Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReceivable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReceivable" xlink:to="lab_us-gaap_IncomeTaxReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities_fac9929d-a965-4a26-b0c1-0c0664ed381b_verboseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Available-for-sale investments</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities_8effd44c-24c3-489d-82fd-aebb86c75a2d_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_99143a8b-4ac1-460c-bbf0-cd301ce9af1b_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Current period net charge-offs, Year 2</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment_da153f53-5df8-4499-9266-909ee75093b2_terseLabel_en-US" xlink:label="lab_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net charge-offs as a percentage of average loans in repayment</link:label>
    <link:label id="lab_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment_label_en-US" xlink:label="lab_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Charge Offs As Percentage Of Average Loans In Repayment</link:label>
    <link:label id="lab_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment_documentation_en-US" xlink:label="lab_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Charge offs as percentage of average loans in repayment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment" xlink:href="slm-20241231.xsd#slm_ChargeOffsAsPercentageOfAverageLoansInRepayment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment" xlink:to="lab_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AccruedInterestReceivableOnPrivateEducationLoans_810c607b-b2bf-4964-afb7-ead6eadfef79_terseLabel_en-US" xlink:label="lab_slm_AccruedInterestReceivableOnPrivateEducationLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Interest Receivable</link:label>
    <link:label id="lab_slm_AccruedInterestReceivableOnPrivateEducationLoans_label_en-US" xlink:label="lab_slm_AccruedInterestReceivableOnPrivateEducationLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued Interest Receivable On Private Education Loans</link:label>
    <link:label id="lab_slm_AccruedInterestReceivableOnPrivateEducationLoans_documentation_en-US" xlink:label="lab_slm_AccruedInterestReceivableOnPrivateEducationLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accrued interest receivable on private education loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableOnPrivateEducationLoans" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableOnPrivateEducationLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AccruedInterestReceivableOnPrivateEducationLoans" xlink:to="lab_slm_AccruedInterestReceivableOnPrivateEducationLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_bedbf2ea-2940-4af2-bbea-598300db7919_periodStartLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance, beginning of period</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_5f9fb61f-d7b0-4358-bcbd-5c207c0cdacf_periodEndLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance, end of period</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_aa23ad0b-479d-4af0-b538-77e3b486dde4_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash collateral pledged</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject to Master Netting Arrangement, Collateral, Obligation to Return Cash, Offset Against Derivative Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset" xlink:to="lab_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_InvestmentinSubsidiary_233785c0-b46d-4fb2-9ed5-26ac5456ed5d_terseLabel_en-US" xlink:label="lab_slm_InvestmentinSubsidiary" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total investments in subsidiaries (primarily Sallie Mae Bank)</link:label>
    <link:label id="lab_slm_InvestmentinSubsidiary_label_en-US" xlink:label="lab_slm_InvestmentinSubsidiary" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment in Subsidiary</link:label>
    <link:label id="lab_slm_InvestmentinSubsidiary_documentation_en-US" xlink:label="lab_slm_InvestmentinSubsidiary" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Investment in Subsidiary</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InvestmentinSubsidiary" xlink:href="slm-20241231.xsd#slm_InvestmentinSubsidiary"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_InvestmentinSubsidiary" xlink:to="lab_slm_InvestmentinSubsidiary" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessAcquisitionAcquireeDomain_16bf5193-1334-4c77-98dd-1a4b4de2700f_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Acquisition, Acquiree [Domain]</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionAcquireeDomain_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisition, Acquiree [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:to="lab_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2048Member_f8f1ddd7-84c8-486e-91cb-aaf1b92a80cf_terseLabel_en-US" xlink:label="lab_slm_Maturity2048Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2048</link:label>
    <link:label id="lab_slm_Maturity2048Member_label_en-US" xlink:label="lab_slm_Maturity2048Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity 2048 [Member]</link:label>
    <link:label id="lab_slm_Maturity2048Member_documentation_en-US" xlink:label="lab_slm_Maturity2048Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maturity 2048 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2048Member" xlink:href="slm-20241231.xsd#slm_Maturity2048Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2048Member" xlink:to="lab_slm_Maturity2048Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_4614c3d8-ae73-4057-a16f-e003e359087a_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Intrinsic Value, Outstanding, ending balance</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Intrinsic Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentTypeCategorizationMember_c59990c4-238c-435a-8e5e-a76f577f76b1_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments [Domain]</link:label>
    <link:label id="lab_us-gaap_InvestmentTypeCategorizationMember_label_en-US" xlink:label="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember" xlink:to="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockValueAcquiredParValueMethod_4d2cd6c4-dade-4352-9412-91811a4fe1e2_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockValueAcquiredParValueMethod" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Common stock repurchased</link:label>
    <link:label id="lab_us-gaap_TreasuryStockValueAcquiredParValueMethod_b40bf6d3-f9b6-4757-85fe-679b29c44479_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockValueAcquiredParValueMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repurchase amount</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" 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/2024/elts/us-gaap-2024.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_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance_77fb3560-99bb-422c-b75c-01e7272f76be_terseLabel_en-US" xlink:label="lab_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset balance related to securitization trust (as a percentage)</link:label>
    <link:label id="lab_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance_label_en-US" xlink:label="lab_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entities, Option to Exercise, Maximum Percentage of Assets to Original Loan Balance</link:label>
    <link:label id="lab_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance_documentation_en-US" xlink:label="lab_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Interest Entities, Option to Exercise, Maximum Percentage of Assets to Original Loan Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" xlink:href="slm-20241231.xsd#slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" xlink:to="lab_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DevelopedTechnologyRightsMember_c5108542-ac63-435e-831c-333c54fd4234_terseLabel_en-US" xlink:label="lab_us-gaap_DevelopedTechnologyRightsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Developed technology</link:label>
    <link:label id="lab_us-gaap_DevelopedTechnologyRightsMember_label_en-US" xlink:label="lab_us-gaap_DevelopedTechnologyRightsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Developed Technology Rights [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DevelopedTechnologyRightsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DevelopedTechnologyRightsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DevelopedTechnologyRightsMember" xlink:to="lab_us-gaap_DevelopedTechnologyRightsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StatementGeographicalAxis_5ba8f953-184c-4139-a39c-d08b3537cfc3_terseLabel_en-US" xlink:label="lab_srt_StatementGeographicalAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/srt-2024.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_TradingSecuritiesDebtAmortizedCost_ac446018-d2a8-482f-b7e3-9265f5ee17b4_terseLabel_en-US" xlink:label="lab_us-gaap_TradingSecuritiesDebtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading investments, cost</link:label>
    <link:label id="lab_us-gaap_TradingSecuritiesDebtAmortizedCost_label_en-US" xlink:label="lab_us-gaap_TradingSecuritiesDebtAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Trading, Amortized Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebtAmortizedCost" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebtAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TradingSecuritiesDebtAmortizedCost" xlink:to="lab_us-gaap_TradingSecuritiesDebtAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet_a1c805db-a22c-4498-9079-8d203c922301_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax asset</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet_92d6da7d-aeed-49aa-a802-f9733ea5c315_totalLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net deferred tax assets</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:to="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount_66d033ac-ed14-4b8b-94c6-31b07aad97b1_terseLabel_en-US" xlink:label="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation allowance</link:label>
    <link:label id="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount_label_en-US" xlink:label="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation Allowance, Deferred Tax Asset, Increase (Decrease), Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xlink:to="lab_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FICOscorelessthan670Member_cfa06d91-4757-4570-a537-6069bd2fea18_terseLabel_en-US" xlink:label="lab_slm_FICOscorelessthan670Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less than 670</link:label>
    <link:label id="lab_slm_FICOscorelessthan670Member_label_en-US" xlink:label="lab_slm_FICOscorelessthan670Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FICO score less than 670 [Member]</link:label>
    <link:label id="lab_slm_FICOscorelessthan670Member_documentation_en-US" xlink:label="lab_slm_FICOscorelessthan670Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">FICO score less than 670 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscorelessthan670Member" xlink:href="slm-20241231.xsd#slm_FICOscorelessthan670Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FICOscorelessthan670Member" xlink:to="lab_slm_FICOscorelessthan670Member" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_WeightedAverageMember_ed2441fb-484a-49be-8eb8-ee188764de94_terseLabel_en-US" xlink:label="lab_srt_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average</link:label>
    <link:label id="lab_srt_WeightedAverageMember_label_en-US" xlink:label="lab_srt_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_WeightedAverageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_WeightedAverageMember" xlink:to="lab_srt_WeightedAverageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansBeforeAllowanceForCreditLoss_7ecf3051-8383-4b5d-bfae-fcf5b35ba9f0_totalLabel_en-US" xlink:label="lab_slm_LoansBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" xml:lang="en-US">Loans, Before Allowance For Credit Loss</link:label>
    <link:label id="lab_slm_LoansBeforeAllowanceForCreditLoss_documentation_en-US" xlink:label="lab_slm_LoansBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans, Before Allowance For Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansBeforeAllowanceForCreditLoss" xlink:href="slm-20241231.xsd#slm_LoansBeforeAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansBeforeAllowanceForCreditLoss" xlink:to="lab_slm_LoansBeforeAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024AMember_4f5d02f4-3539-459b-937d-3479bcd5d9a9_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024AMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024-A ABS transaction</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024AMember_label_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024AMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-A [Member]</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024AMember_documentation_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024AMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-A</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024AMember" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024AMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SMBPrivateEducationLoanTrust2024AMember" xlink:to="lab_slm_SMBPrivateEducationLoanTrust2024AMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table</link:label>
    <link:label id="lab_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember_label_en-US" xlink:label="lab_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:to="lab_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_9c7e9148-4f08-4495-9406-1a19955631df_terseLabel_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 6</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated Five Or More Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated Five Or More Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:to="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_032503dc-1d6c-4721-b4ab-6acc41121859_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-sale [Line Items]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:to="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_45ff3eef-b7f6-48fd-9199-fed301b8bd0b_terseLabel_en-US" xlink:label="lab_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_3c208883-97fb-4fd2-a7bd-f04e802f607f_totalLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Estimated Fair Value</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_83b9bab2-b3bf-4a96-b9f1-34fa95c5705c_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Charge-off</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_e1817c86-ee97-43e4-a060-ee7dd9adb15c_periodStartLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Cash, cash equivalents and restricted cash at beginning of year</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_7a7a9160-8c57-4dd7-8124-c7c82e52ee65_periodEndLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Cash, cash equivalents and restricted cash at end of year</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_5fdd62ba-1953-4ec9-876c-1e2675314336_totalLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total cash, cash equivalents and restricted cash</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_d829b777-1bea-45eb-9b03-d1a033ab5c9f_negatedLabel_en-US" xlink:label="lab_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net amortization of discount on investments</link:label>
    <link:label id="lab_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_label_en-US" xlink:label="lab_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accretion (Amortization) of Discounts and Premiums, Investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:to="lab_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear_fe9a1a30-0ce9-4341-9a1b-1dee0fa1139b_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans, net, Year 1</link:label>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss, Originated In Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss, Originated In Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_b0cf179d-2546-4b68-a482-e8d3b7c9fb3f_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrecognized compensation cost</link:label>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_label_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:to="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_VerticalRiskRetentionPercentage_ae49408d-226f-4823-bfb5-2f565f5eb83e_terseLabel_en-US" xlink:label="lab_slm_VerticalRiskRetentionPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vertical risk retention interest</link:label>
    <link:label id="lab_slm_VerticalRiskRetentionPercentage_label_en-US" xlink:label="lab_slm_VerticalRiskRetentionPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Vertical Risk Retention, Percentage</link:label>
    <link:label id="lab_slm_VerticalRiskRetentionPercentage_documentation_en-US" xlink:label="lab_slm_VerticalRiskRetentionPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Vertical Risk Retention, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_VerticalRiskRetentionPercentage" xlink:href="slm-20241231.xsd#slm_VerticalRiskRetentionPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_VerticalRiskRetentionPercentage" xlink:to="lab_slm_VerticalRiskRetentionPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOfFinancialInstrumentsPolicy_8944250c-8e0a-42b8-9c0a-e73ee32edb1f_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measurement</link:label>
    <link:label id="lab_us-gaap_FairValueOfFinancialInstrumentsPolicy_label_en-US" xlink:label="lab_us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value of Financial Instruments, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueOfFinancialInstrumentsPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:to="lab_us-gaap_FairValueOfFinancialInstrumentsPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockCommonShares_68811bf9-8d0c-42dd-98b3-7ab1ec76f496_verboseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonShares" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Common stock held in treasury (in shares)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockCommonShares_45b2f65f-429d-4e9a-af08-95342a01806d_negatedPeriodStartLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonShares" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance (in shares)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockCommonShares_56b71499-31f9-466f-bfe5-dbd556f466e3_negatedPeriodEndLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonShares" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance (in shares)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockCommonShares_3e5a5959-9d1e-4e80-bb85-a46f1d33ecc9_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock held in treasury (in shares)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockCommonShares_label_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Common, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockCommonShares" xlink:to="lab_us-gaap_TreasuryStockCommonShares" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued_5fcb8d9a-0280-4633-934e-db96ae0e3ceb_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest on income taxes accrued net of related benefit</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Interest on Income Taxes Accrued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_ea3e411f-8cd7-4851-a8a2-993f0a680c7d_terseLabel_en-US" xlink:label="lab_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives recorded in interest expense</link:label>
    <link:label id="lab_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_label_en-US" xlink:label="lab_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Change in Unrealized Gain (Loss) on Fair Value Hedging Instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" xlink:to="lab_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Disqualification of Tax Benefits, Amount</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Disqualification of Tax Benefits, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:to="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent_606fdfca-ffad-4a12-ac2a-ce8dd940c3ad_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Seasoning based on monthly scheduled payments due from 25 - 36 payments</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent_label_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From Twenty Five To Thirty Six Payments In Percent</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent_documentation_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" 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_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" xlink:to="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract_85bd5f18-4a53-4afd-9ec8-9f8120596320_terseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract" xlink:to="lab_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CombinationOfSubsidiariesTaxYears_b037d1d8-93f2-4e06-b75b-4db1a499e730_terseLabel_en-US" xlink:label="lab_slm_CombinationOfSubsidiariesTaxYears" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Combination of subsidiaries</link:label>
    <link:label id="lab_slm_CombinationOfSubsidiariesTaxYears_label_en-US" xlink:label="lab_slm_CombinationOfSubsidiariesTaxYears" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Combination Of Subsidiaries Tax Years</link:label>
    <link:label id="lab_slm_CombinationOfSubsidiariesTaxYears_documentation_en-US" xlink:label="lab_slm_CombinationOfSubsidiariesTaxYears" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Combination of subsidiaries tax years.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CombinationOfSubsidiariesTaxYears" xlink:href="slm-20241231.xsd#slm_CombinationOfSubsidiariesTaxYears"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CombinationOfSubsidiariesTaxYears" xlink:to="lab_slm_CombinationOfSubsidiariesTaxYears" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_4256f1a1-234c-4237-8db5-80056427c316_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vested (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosuresAbstract_7a6b7a85-a7bd-4588-8f22-0d68f67e3637_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Abstract]</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosuresAbstract_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract" xlink:to="lab_us-gaap_FairValueDisclosuresAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_41015819-add1-4473-b9bf-c8fb93cde0b3_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at the end of the reporting period</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockSharesOutstanding_2c772892-d380-4c91-96bb-5c7987549c5f_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, shares issued (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_PreferredStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Shares Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesOutstanding" xlink:to="lab_us-gaap_PreferredStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_3da3bc40-9aeb-4758-bb1b-ac3ad9443777_terseLabel_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 2</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SecurityExchangeName_6cd23080-b415-42f2-b3e9-40b1f273c911_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_0bac9c90-b682-4ab6-b464-df7a3869f2ff_terseLabel_en-US" xlink:label="lab_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans, Year 6</link:label>
    <link:label id="lab_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans, Originated Five Or More Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans, Originated Five Or More Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:to="lab_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_fcc663a0-ab56-48eb-b33d-1ce28ef259bb_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Current period net charge-offs, Year 3</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Two Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Two Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Undistributedearningsofsubsidiaries_3ceca636-7fb6-4865-a8a1-167426d52610_negatedTerseLabel_en-US" xlink:label="lab_slm_Undistributedearningsofsubsidiaries" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Undistributed earnings of subsidiaries</link:label>
    <link:label id="lab_slm_Undistributedearningsofsubsidiaries_label_en-US" xlink:label="lab_slm_Undistributedearningsofsubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Undistributed earnings of subsidiaries</link:label>
    <link:label id="lab_slm_Undistributedearningsofsubsidiaries_documentation_en-US" xlink:label="lab_slm_Undistributedearningsofsubsidiaries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Undistributed earnings of subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Undistributedearningsofsubsidiaries" xlink:href="slm-20241231.xsd#slm_Undistributedearningsofsubsidiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Undistributedearningsofsubsidiaries" xlink:to="lab_slm_Undistributedearningsofsubsidiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_7dbf4ee5-f6b1-4f72-91c4-560f2b7e9747_terseLabel_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income</link:label>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:to="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet_10d77efb-5668-4cc2-a84d-458dffaba143_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative, fair value, amount offset against collateral, net</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" 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/2024/elts/us-gaap-2024.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_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_54645111-bcbe-4232-87df-73375ca839cb_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exercised (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_71dbc8da-8d3b-48d7-82dc-a3538008dbbd_terseLabel_en-US" xlink:label="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Regulatory Capital</link:label>
    <link:label id="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_label_en-US" xlink:label="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Regulatory Capital Requirements under Banking Regulations [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:to="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_3d6631ba-380c-40f0-acb6-5a0d83574d0f_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Increase in accrued interest receivable</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Accrued Interest Receivable, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:to="lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet_f58c1812-39f4-4de2-96f8-972cdc09fe04_terseLabel_en-US" xlink:label="lab_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash collateral held relative to derivative exposure</link:label>
    <link:label id="lab_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet_label_en-US" xlink:label="lab_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Cash Collateral Held Relative to Derivative Exposure, Net</link:label>
    <link:label id="lab_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet_documentation_en-US" xlink:label="lab_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Derivative, Cash Collateral Held Relative to Derivative Exposure, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet" xlink:href="slm-20241231.xsd#slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet" xlink:to="lab_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable_d6eb9a80-4d03-40b4-a308-c91044af0828_terseLabel_en-US" xlink:label="lab_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Threshold period when delinquent loans are written off</link:label>
    <link:label id="lab_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable_label_en-US" xlink:label="lab_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Threshold Period Past Due For Write-off Of Financing Receivable</link:label>
    <link:label id="lab_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable_documentation_en-US" xlink:label="lab_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Threshold Period Past Due For Write-off Of Financing Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:href="slm-20241231.xsd#slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:to="lab_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_326996e3-1c37-41f9-aac1-80c89b847ba5_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number&#160;of Shares</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_2c361eca-f55e-4139-a921-56353e3d039b_terseLabel_en-US" xlink:label="lab_us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">State</link:label>
    <link:label id="lab_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current State and Local Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:to="lab_us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember_3d9a2889-c86a-437e-94cf-3e34b9647e4f_terseLabel_en-US" xlink:label="lab_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">60 Days or Greater Past Due</link:label>
    <link:label id="lab_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember_label_en-US" xlink:label="lab_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Equal To Or Greater Than 60 Days Past Due [Member]</link:label>
    <link:label id="lab_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember_documentation_en-US" xlink:label="lab_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial Asset, Equal To Or Greater Than 60 Days Past Due</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" xlink:href="slm-20241231.xsd#slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" xlink:to="lab_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment_f0d1733b-a927-4936-95ca-86b0865fd0fd_terseLabel_en-US" xlink:label="lab_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average loans in repayment</link:label>
    <link:label id="lab_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment_label_en-US" xlink:label="lab_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance Coverage Of Charge Offs Average Loans In Repayment</link:label>
    <link:label id="lab_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment_documentation_en-US" xlink:label="lab_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Allowance coverage of charge offs average loans in repayment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment" xlink:href="slm-20241231.xsd#slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment" xlink:to="lab_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LaborAndRelatedExpense_42445eda-4269-4503-b86b-fdde1cd5f8d1_terseLabel_en-US" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation and benefits</link:label>
    <link:label id="lab_us-gaap_LaborAndRelatedExpense_label_en-US" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Labor and Related Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LaborAndRelatedExpense" xlink:to="lab_us-gaap_LaborAndRelatedExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShortTermBorrowings_7945aa4b-38f1-4561-b90f-5714632479c4_terseLabel_en-US" xlink:label="lab_us-gaap_ShortTermBorrowings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Short-Term</link:label>
    <link:label id="lab_us-gaap_ShortTermBorrowings_label_en-US" xlink:label="lab_us-gaap_ShortTermBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermBorrowings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermBorrowings" xlink:to="lab_us-gaap_ShortTermBorrowings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_29713987-7e48-45f1-94b5-36023289421f_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less than 12 months</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Explanation of Impracticability</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Explanation of Impracticability [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:to="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill and Intangible Assets Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:to="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestrictedCashAbstract_e1b8e884-7232-4e80-8a69-e7ec4ba20bf5_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedCashAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying Amount of Net Assets Securing Debt Outstanding</link:label>
    <link:label id="lab_us-gaap_RestrictedCashAbstract_label_en-US" xlink:label="lab_us-gaap_RestrictedCashAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Cash [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedCashAbstract" xlink:to="lab_us-gaap_RestrictedCashAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockSharesIssued_77f25cd4-a1f7-4dd6-97ec-064bfcdd1bbf_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, shares issued (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesIssued_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesIssued" xlink:to="lab_us-gaap_CommonStockSharesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetirementPlanNameDomain_8535434c-473c-4d64-962d-0d59bf80e39d_terseLabel_en-US" xlink:label="lab_us-gaap_RetirementPlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_398e1b29-9adf-47b9-91ef-5cf9275df9b6_negatedLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Loans transferred to held-for-sale</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Transfer out, Allowance for Credit Loss, Expense Reversal</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2052Member_f54cdbf6-fe09-4694-9a07-328216ae7b07_terseLabel_en-US" xlink:label="lab_slm_Maturity2052Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2052</link:label>
    <link:label id="lab_slm_Maturity2052Member_label_en-US" xlink:label="lab_slm_Maturity2052Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity 2052 [Member]</link:label>
    <link:label id="lab_slm_Maturity2052Member_documentation_en-US" xlink:label="lab_slm_Maturity2052Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maturity 2052</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2052Member" xlink:href="slm-20241231.xsd#slm_Maturity2052Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2052Member" xlink:to="lab_slm_Maturity2052Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_181f9e04-1684-45c0-bf8b-43634d02abb4_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in income tax payable, net</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Income Taxes Payable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:to="lab_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_2e7a481f-c2e1-461a-be80-848f0d35095d_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured borrowing facility maximum borrowing capacity</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" xml:lang="en-US">Line of Credit Facility, Maximum Borrowing Capacity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:to="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CreditCardsMember_ae833936-7ca8-433c-9931-b82892caac64_terseLabel_en-US" xlink:label="lab_slm_CreditCardsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Cards</link:label>
    <link:label id="lab_slm_CreditCardsMember_label_en-US" xlink:label="lab_slm_CreditCardsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Cards [Member]</link:label>
    <link:label id="lab_slm_CreditCardsMember_documentation_en-US" xlink:label="lab_slm_CreditCardsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Credit Cards [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditCardsMember" xlink:href="slm-20241231.xsd#slm_CreditCardsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CreditCardsMember" xlink:to="lab_slm_CreditCardsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NotesReceivableGross_ab8a031d-b5da-49c2-85a3-1a8a6ac9cc49_terseLabel_en-US" xlink:label="lab_us-gaap_NotesReceivableGross" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Loans</link:label>
    <link:label id="lab_us-gaap_NotesReceivableGross_label_en-US" xlink:label="lab_us-gaap_NotesReceivableGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, before Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NotesReceivableGross"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotesReceivableGross" xlink:to="lab_us-gaap_NotesReceivableGross" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs_064966e5-0328-4eca-98fd-33e74ca9303e_terseLabel_en-US" xlink:label="lab_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for loan losses coverage of net charge-offs</link:label>
    <link:label id="lab_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs_label_en-US" xlink:label="lab_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annualized Allowance On Private Education Loan Coverage Of Charge Offs</link:label>
    <link:label id="lab_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs_documentation_en-US" xlink:label="lab_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Annualized allowance on private education loan coverage of charge offs.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" xlink:href="slm-20241231.xsd#slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" xlink:to="lab_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_7982c172-b7d3-4b0b-8e61-6b8784b43d40_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilities_c6c96ee8-e7d9-4f1c-b068-87848939b83a_negatedLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Derivative instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilities_5daba518-d0a2-4dd3-8f5e-05965ed5b3ed_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Derivative values with impact of master netting agreements (as carried on balance sheet)</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilities_73d33411-a3d9-4e7d-bb4f-f3135ab5bf89_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilities_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilities" xlink:to="lab_us-gaap_DerivativeLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2023CMember_f0b651e7-7499-4244-8da4-da3e6bc04cf1_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2023CMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2023-C ABS Transaction</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2023CMember_label_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2023CMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2023-C [Member]</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2023CMember_documentation_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2023CMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2023-C</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023CMember" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023CMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SMBPrivateEducationLoanTrust2023CMember" xlink:to="lab_slm_SMBPrivateEducationLoanTrust2023CMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableChangeInContractualRate_f27d9eea-e12a-4bd4-8369-7f07ba19c2e5_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableChangeInContractualRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average contractual rate</link:label>
    <link:label id="lab_slm_FinancingReceivableChangeInContractualRate_label_en-US" xlink:label="lab_slm_FinancingReceivableChangeInContractualRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Change in Contractual Rate</link:label>
    <link:label id="lab_slm_FinancingReceivableChangeInContractualRate_documentation_en-US" xlink:label="lab_slm_FinancingReceivableChangeInContractualRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Change in Contractual Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableChangeInContractualRate" xlink:href="slm-20241231.xsd#slm_FinancingReceivableChangeInContractualRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableChangeInContractualRate" xlink:to="lab_slm_FinancingReceivableChangeInContractualRate" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag_terseLabel_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Adopted</link:label>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag_label_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Adopted [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTrdPoliciesProcAdoptedFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:to="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_332cfd91-b4ef-4641-b290-d88d08926dc7_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Accumulated depreciation</link:label>
    <link:label id="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_label_en-US" xlink:label="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CompensationRelatedCostsPolicyTextBlock_f88c5889-cb32-4af1-ae6d-4be046c10a4b_terseLabel_en-US" xlink:label="lab_us-gaap_CompensationRelatedCostsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock-Based Compensation</link:label>
    <link:label id="lab_us-gaap_CompensationRelatedCostsPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_CompensationRelatedCostsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Related Costs, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationRelatedCostsPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CompensationRelatedCostsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CompensationRelatedCostsPolicyTextBlock" xlink:to="lab_us-gaap_CompensationRelatedCostsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_047610ce-d249-4ff5-877f-2311ee248c6b_terseLabel_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans in forbearance, Year 5</link:label>
    <link:label id="lab_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans In Repayment, Originated Four Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans In Repayment, Originated Four Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList_c5ad6a73-3db6-42ae-bcf3-dc89993bddcd_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Asset, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList_label_en-US" xlink:label="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Asset, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList" xlink:to="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockSharesAuthorized_6dbd942c-9199-4ec4-8301-c804393fb58c_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, shares authorized (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesAuthorized_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares Authorized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesAuthorized" xlink:to="lab_us-gaap_CommonStockSharesAuthorized" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_bbe48cd5-62b9-4203-bc69-f7354f564738_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts_8d37245a-be9e-4952-8ae3-f26300e9226f_terseLabel_en-US" xlink:label="lab_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent of total notional derivative contracts</link:label>
    <link:label id="lab_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts_label_en-US" xlink:label="lab_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instrument, Percent of Total Notional Derivative Contracts</link:label>
    <link:label id="lab_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts_documentation_en-US" xlink:label="lab_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Derivative Instrument, Percent of Total Notional Derivative Contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" xlink:href="slm-20241231.xsd#slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" xlink:to="lab_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_fb65bdf1-ae92-4ed4-804b-eb1c49110509_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers into level 3</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Transfers Into Level 3</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets_ccb0d8ef-8d0e-4b04-85f1-4e9b83d7645f_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquired intangible assets</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Goodwill and Intangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets" xlink:to="lab_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember_e3dc76bd-b7f5-4d67-94a4-c001ebca6937_terseLabel_en-US" xlink:label="lab_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cumulative Effect, Period Of Adoption, Adjusted Phase-In Amounts Remaining</link:label>
    <link:label id="lab_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember_label_en-US" xlink:label="lab_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cumulative Effect, Period Of Adoption, Adjusted Phase-In Amounts Remaining [Member]</link:label>
    <link:label id="lab_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember_documentation_en-US" xlink:label="lab_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cumulative Effect, Period Of Adoption, Adjusted Phase-In Amounts Remaining</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember" xlink:href="slm-20241231.xsd#slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember" xlink:to="lab_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_BrokeredDeposits_f477d8d7-e1c1-45f4-9167-2ba9231d06c8_terseLabel_en-US" xlink:label="lab_slm_BrokeredDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brokered deposits</link:label>
    <link:label id="lab_slm_BrokeredDeposits_label_en-US" xlink:label="lab_slm_BrokeredDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brokered Deposits</link:label>
    <link:label id="lab_slm_BrokeredDeposits_documentation_en-US" xlink:label="lab_slm_BrokeredDeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Brokered Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BrokeredDeposits" xlink:href="slm-20241231.xsd#slm_BrokeredDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_BrokeredDeposits" xlink:to="lab_slm_BrokeredDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongtermDebtTypeAxis_13456f0b-c9a1-4da2-b4d4-e21e167692f7_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongtermDebtTypeAxis" xlink:to="lab_us-gaap_LongtermDebtTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear_fac2afac-ec5f-4490-9b1c-e9e2b8dd4bb4_terseLabel_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of Private Education Loans in repayment, Year 3</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Loans In Repayment, Originated Two Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Loans In Repayment, Originated Two Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" xlink:to="lab_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityVoluntaryFilers_15d28518-31ec-4d0d-88e1-1df7101e1908_terseLabel_en-US" xlink:label="lab_dei_EntityVoluntaryFilers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_slm_NumberofCompensationPlans_4e04bbac-0224-439b-9cdf-6560c81551b9_terseLabel_en-US" xlink:label="lab_slm_NumberofCompensationPlans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of active stock-based compensation plans</link:label>
    <link:label id="lab_slm_NumberofCompensationPlans_label_en-US" xlink:label="lab_slm_NumberofCompensationPlans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of Compensation Plans</link:label>
    <link:label id="lab_slm_NumberofCompensationPlans_documentation_en-US" xlink:label="lab_slm_NumberofCompensationPlans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of Compensation Plans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NumberofCompensationPlans" xlink:href="slm-20241231.xsd#slm_NumberofCompensationPlans"/>
    <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_us-gaap_HedgingDesignationDomain_2ab8e49d-52de-474e-a622-aee1b1cc5ea6_terseLabel_en-US" xlink:label="lab_us-gaap_HedgingDesignationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Designation [Domain]</link:label>
    <link:label id="lab_us-gaap_HedgingDesignationDomain_label_en-US" xlink:label="lab_us-gaap_HedgingDesignationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Designation [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgingDesignationDomain" xlink:to="lab_us-gaap_HedgingDesignationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepayment_a901292b-921b-4f11-a407-ad998288a608_verboseLabel_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepayment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DelinquenciesAsPercentageOfLoansInRepayment" xlink:to="lab_slm_DelinquenciesAsPercentageOfLoansInRepayment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_ec258f18-32b5-4395-b55b-39b8989f8c30_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax provision (benefit)</link:label>
    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_67bf88d6-6c1b-4726-8a87-6c5197c1f68e_totalLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total deferred provision (benefit)</link:label>
    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_c96bd8e3-159b-467c-ba7c-fc146880770d_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_ed5afd6f-d130-4368-94ed-f04494042646_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Premises and Equipment, net</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions_e62ea90d-e24b-405c-98e7-96f18d401838_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax benefit from exercise of stock options</link:label>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions_label_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Exercise of Option, Tax Benefit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions" xlink:to="lab_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesAfterYearFive_98753463-27cd-4606-9c1c-58a40902d158_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">After five years</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesAfterYearFive_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposit Maturities, after Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:to="lab_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementsRecurringMember_b7e3fa3d-faf3-460a-b346-37615c1edcac_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsRecurringMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measurements Recurring</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementsRecurringMember_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsRecurringMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsRecurringMember" xlink:to="lab_us-gaap_FairValueMeasurementsRecurringMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_af50aa9c-6907-463b-abe7-35e5fe2f5531_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Options granted in period (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Gross</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_753e61ef-205b-493c-86dd-f5fe13ce8041_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_IncreaseDecreaseInOtherOperatingLiabilities_a1b9acfd-bae7-4fe4-913a-fbb52bdeec3d_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in other liabilities</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_d119ac87-ebab-469b-83a3-920a982dfce6_verboseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:to="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold_bc9b614f-749f-4282-bad2-fc5a34354462_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans sold</link:label>
    <link:label id="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold_label_en-US" xlink:label="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable And Off-Balance Sheet, Excluding Accrued Interest, Before Allowance For Credit Loss, Loan Sold</link:label>
    <link:label id="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable And Off-Balance Sheet, Excluding Accrued Interest, Before Allowance For Credit Loss, Loan Sold</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold" xlink:to="lab_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebt_b739ae35-0215-4114-92f4-95fedeb99fba_verboseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebt" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Long-term borrowings</link:label>
    <link:label id="lab_us-gaap_LongTermDebt_c70b0a49-0d22-4505-9276-738a5de2a36c_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_ecd_PnsnAdjsPrrSvcCstMember_terseLabel_en-US" xlink:label="lab_ecd_PnsnAdjsPrrSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension Adjustments Prior Service Cost</link:label>
    <link:label id="lab_ecd_PnsnAdjsPrrSvcCstMember_label_en-US" xlink:label="lab_ecd_PnsnAdjsPrrSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Adjustments Prior Service Cost [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PnsnAdjsPrrSvcCstMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:to="lab_ecd_PnsnAdjsPrrSvcCstMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_e52ac3c7-2159-481b-b2d9-66d7f6f9810f_terseLabel_en-US" xlink:label="lab_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Off-Balance Sheet Exposure for Contractual Loan Commitments and Uncollectible Interest</link:label>
    <link:label id="lab_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:to="lab_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments_172798d6-17fe-438a-a7cc-b3aa7b922ecf_terseLabel_en-US" xlink:label="lab_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_ab183913-f276-4445-9634-a9144e99dff2_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stated maturity, 2030 and after</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, after Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_b5a74d27-c7d0-400b-97a5-d72f6497f663_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan type</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_a626abcd-51b7-462a-92a0-9a06b3d3bbb7_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Loan type</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_A2020ShareRepurchaseProgramMember_5bc40dfd-5450-4db7-aa34-9ac9ae44c336_terseLabel_en-US" xlink:label="lab_slm_A2020ShareRepurchaseProgramMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">2020 Share Repurchase Program</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2020ShareRepurchaseProgramMember" xlink:href="slm-20241231.xsd#slm_A2020ShareRepurchaseProgramMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_A2020ShareRepurchaseProgramMember" xlink:to="lab_slm_A2020ShareRepurchaseProgramMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTable_b067f2b2-3838-4ae6-a137-1d9833b46ef9_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTable_label_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:to="lab_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CreditQualityIndicatorsDomain_963436ba-3a91-4144-9c20-3c40096fb9da_terseLabel_en-US" xlink:label="lab_slm_CreditQualityIndicatorsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Credit Quality Indicators [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsDomain" xlink:href="slm-20241231.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_GainLossOnDerivativeInstrumentsNetPretax_67edcaab-1ae6-41d6-99d9-65f65a370864_terseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnDerivativeInstrumentsNetPretax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Losses on derivatives and hedging activities, net</link:label>
    <link:label id="lab_us-gaap_GainLossOnDerivativeInstrumentsNetPretax_label_en-US" xlink:label="lab_us-gaap_GainLossOnDerivativeInstrumentsNetPretax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Derivative Instruments, Net, Pretax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnDerivativeInstrumentsNetPretax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnDerivativeInstrumentsNetPretax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnDerivativeInstrumentsNetPretax" xlink:to="lab_us-gaap_GainLossOnDerivativeInstrumentsNetPretax" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PnsnBnftsAdjFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_PnsnBnftsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension Benefits Adjustments, Footnote</link:label>
    <link:label id="lab_ecd_PnsnBnftsAdjFnTextBlock_label_en-US" xlink:label="lab_ecd_PnsnBnftsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Benefits Adjustments, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PnsnBnftsAdjFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:to="lab_ecd_PnsnBnftsAdjFnTextBlock" xlink:type="arc" order="1"/>
    <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" 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" xml:lang="en-US">Audit Information [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AuditInformationAbstract" xlink:href="slm-20241231.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_ecd_TotalShareholderRtnVsPeerGroupTextBlock_terseLabel_en-US" xlink:label="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Vs Peer Group</link:label>
    <link:label id="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock_label_en-US" xlink:label="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Vs Peer Group [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:to="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockAcquiredAverageCostPerShare_e95c706d-0c9d-45e1-9042-074c88499af5_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockAcquiredAverageCostPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average purchase price per share (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockAcquiredAverageCostPerShare_label_en-US" xlink:label="lab_us-gaap_TreasuryStockAcquiredAverageCostPerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares Acquired, Average Cost Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare" xlink:to="lab_us-gaap_TreasuryStockAcquiredAverageCostPerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ProceedsfromClaimpayments_c11688cd-f9e3-4d98-a970-aa698090537e_terseLabel_en-US" xlink:label="lab_slm_ProceedsfromClaimpayments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from FFELP Loan 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" 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" xml:lang="en-US">Proceeds from Claim payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ProceedsfromClaimpayments" xlink:href="slm-20241231.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_CreditScoreFicoDomain_3d2ca4ec-d1dc-4671-9948-649948b92ae6_terseLabel_en-US" xlink:label="lab_us-gaap_CreditScoreFicoDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Score, FICO [Domain]</link:label>
    <link:label id="lab_us-gaap_CreditScoreFicoDomain_label_en-US" xlink:label="lab_us-gaap_CreditScoreFicoDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Score, FICO [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditScoreFicoDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditScoreFicoDomain" xlink:to="lab_us-gaap_CreditScoreFicoDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentAnnualReport_9f87bd8e-e896-4d8e-8754-c0f056246f62_terseLabel_en-US" xlink:label="lab_dei_DocumentAnnualReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Annual Report</link:label>
    <link:label id="lab_dei_DocumentAnnualReport_label_en-US" xlink:label="lab_dei_DocumentAnnualReport" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Annual Report</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentAnnualReport" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentAnnualReport"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentAnnualReport" xlink:to="lab_dei_DocumentAnnualReport" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2056Member_f74f72ed-9622-4a75-8d12-4e8941c10bbd_terseLabel_en-US" xlink:label="lab_slm_Maturity2056Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2056</link:label>
    <link:label id="lab_slm_Maturity2056Member_label_en-US" xlink:label="lab_slm_Maturity2056Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity 2056 [Member]</link:label>
    <link:label id="lab_slm_Maturity2056Member_documentation_en-US" xlink:label="lab_slm_Maturity2056Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maturity 2056</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2056Member" xlink:href="slm-20241231.xsd#slm_Maturity2056Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2056Member" xlink:to="lab_slm_Maturity2056Member" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DenominatorAbstract_988f07d0-834d-4361-973d-3cda40ec8c31_terseLabel_en-US" xlink:label="lab_slm_DenominatorAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Denominator [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DenominatorAbstract" xlink:href="slm-20241231.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_FinancingReceivablesAmortizedCostBasisTableTextBlock_ddbbed96-810c-495a-93c9-d84c9268cfc0_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivablesAmortizedCostBasisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Amortized Cost Basis of Financing Receivables</link:label>
    <link:label id="lab_slm_FinancingReceivablesAmortizedCostBasisTableTextBlock_label_en-US" xlink:label="lab_slm_FinancingReceivablesAmortizedCostBasisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivables, Amortized Cost Basis [Table Text Block]</link:label>
    <link:label id="lab_slm_FinancingReceivablesAmortizedCostBasisTableTextBlock_documentation_en-US" xlink:label="lab_slm_FinancingReceivablesAmortizedCostBasisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivables, Amortized Cost Basis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivablesAmortizedCostBasisTableTextBlock" xlink:href="slm-20241231.xsd#slm_FinancingReceivablesAmortizedCostBasisTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivablesAmortizedCostBasisTableTextBlock" xlink:to="lab_slm_FinancingReceivablesAmortizedCostBasisTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_258e02e7-c6b9-4a2b-8383-839360536d97_negatedLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Vested (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_RetailandOtherDeposits_9d15fa19-c82e-4d0b-9a31-e295fdcd351b_terseLabel_en-US" xlink:label="lab_slm_RetailandOtherDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Retail and Other Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_RetailandOtherDeposits" xlink:href="slm-20241231.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_us-gaap_InterestExpenseLongTermDebt_9977ccdd-909c-4aec-bd55-bd075b919999_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_PrivateEducationLoanSecuritizationMember_2d2d2e77-332b-4e38-8ed0-392ace17187e_terseLabel_en-US" xlink:label="lab_slm_PrivateEducationLoanSecuritizationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Private Education Loan Securitization [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoanSecuritizationMember" xlink:href="slm-20241231.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_us-gaap_FinancingReceivableSale_411779dd-e3c4-4e87-9b77-dd9f9c048c73_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableSale" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans sold</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableSale_58d9262a-b01e-47f8-bfe3-5849e90d6f92_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans sold</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableSale_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableSale" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableSale" xlink:to="lab_us-gaap_FinancingReceivableSale" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_c111f933-4d6c-4087-8ecc-93c1b0733693_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Parent only Condensed Balance Sheets</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ScheduleOfCondensedBalanceSheetTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:to="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_3ad1a7a0-ae1c-499f-9fb0-b9e8450aec87_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk-free interest rate</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Risk Free Interest Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationOfIntangibleAssets_e93b6c12-5c8f-4919-9e93-599d1a1e09a3_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortized intangible assets</link:label>
    <link:label id="lab_us-gaap_AmortizationOfIntangibleAssets_label_en-US" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of Intangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationOfIntangibleAssets" xlink:to="lab_us-gaap_AmortizationOfIntangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PeriodofLoansPastDueThatHaveAccruedInterest_88a5379d-bf19-46c7-b278-7f75f36942c5_terseLabel_en-US" xlink:label="lab_slm_PeriodofLoansPastDueThatHaveAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_slm_Maturity2049Member_8e367267-eb87-4403-95a0-06f394556861_terseLabel_en-US" xlink:label="lab_slm_Maturity2049Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">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" 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" xml:lang="en-US">Maturity 2049 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2049Member" xlink:href="slm-20241231.xsd#slm_Maturity2049Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2049Member" xlink:to="lab_slm_Maturity2049Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountingPoliciesAbstract_8e7ebc95-059c-4850-9711-30bbbd218972_terseLabel_en-US" xlink:label="lab_us-gaap_AccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting Policies [Abstract]</link:label>
    <link:label id="lab_us-gaap_AccountingPoliciesAbstract_label_en-US" xlink:label="lab_us-gaap_AccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Policies [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountingPoliciesAbstract" xlink:to="lab_us-gaap_AccountingPoliciesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesAbstract_26d18d06-d7e4-4542-9873-d4125ce61817_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAbstract_30fe2a94-35bf-4c5d-b437-8ccf8512c657_verboseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAbstract" xlink:to="lab_us-gaap_LiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear_0ef888b6-350f-40fb-8ec6-262faba74060_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_us-gaap_PreferredStockDividendsIncomeStatementImpact_fa661388-d173-4c80-9e5c-a20e1b6a0d8d_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock dividends</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact_9af5078c-412f-41c0-96fd-63c8f522ae21_verboseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock dividends</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact_label_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock Dividends, Income Statement Impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:to="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansinNonaccrualStatus_92d8cf0d-eb72-4e6f-9db0-2f10accbb58b_terseLabel_en-US" xlink:label="lab_slm_LoansinNonaccrualStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Loans in Nonaccrual Status</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansinNonaccrualStatus" xlink:href="slm-20241231.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_dei_CurrentFiscalYearEndDate_453da4f2-4bd8-4ef7-bc85-5c82173c96ac_terseLabel_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_label_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CurrentFiscalYearEndDate" xlink:to="lab_dei_CurrentFiscalYearEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoName_terseLabel_en-US" xlink:label="lab_ecd_PeoName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Name</link:label>
    <link:label id="lab_ecd_PeoName_label_en-US" xlink:label="lab_ecd_PeoName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoName" xlink:to="lab_ecd_PeoName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDeposits_484e5314-4c99-4dad-965e-c9a648d960c7_totalLabel_en-US" xlink:label="lab_us-gaap_TimeDeposits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_TimeDeposits_label_en-US" xlink:label="lab_us-gaap_TimeDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDeposits" xlink:to="lab_us-gaap_TimeDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_5090c4f0-e860-4f79-86b6-4b6e621106fc_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Type [Domain]</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoanRestructuringModificationDomain_32cf6770-2d3e-4cd7-984c-f717514155e4_terseLabel_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Domain]</link:label>
    <link:label id="lab_us-gaap_LoanRestructuringModificationDomain_label_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain" xlink:to="lab_us-gaap_LoanRestructuringModificationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost_7b2a48a9-3c94-4b9d-a023-7c09cda583dd_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock-based compensation plans</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Share-Based Compensation Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xlink:to="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_a5818b95-176d-4e5d-8c8d-2e23e34b763d_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Company Selected Measure</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Company Selected Measure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss_8032bea5-81b5-4527-811e-a63da875ddd0_terseLabel_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ecd_NonPeoNeoMember_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO</link:label>
    <link:label id="lab_ecd_NonPeoNeoMember_label_en-US" xlink:label="lab_ecd_NonPeoNeoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-PEO NEO [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonPeoNeoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonPeoNeoMember" xlink:to="lab_ecd_NonPeoNeoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetUsefulLife_7f4aba7c-b549-4e9d-ae0c-f6ceb5ed9b9b_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetUsefulLife" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Useful Life (in years)</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetUsefulLife_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetUsefulLife" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Useful Life</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetUsefulLife" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetUsefulLife"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetUsefulLife" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetUsefulLife" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear_69d7a6c9-8205-41b9-8d52-437dc24650bc_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_a2b48a58-e44a-49d8-be18-6e68bdff677c_verboseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" 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" 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" 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-20241231.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_us-gaap_InvestmentsFairValueDisclosure_48745487-fd1e-4288-8983-9adc578886b8_verboseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsFairValueDisclosure" xlink:to="lab_us-gaap_InvestmentsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold_b2bf908c-710d-4139-9151-ce3c67e7c919_terseLabel_en-US" xlink:label="lab_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Available-for-sale investments received in consideration for loans sold</link:label>
    <link:label id="lab_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold_label_en-US" xlink:label="lab_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Available-For-Sale Investments Received in Consideration for Loans Sold</link:label>
    <link:label id="lab_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold_documentation_en-US" xlink:label="lab_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Available-For-Sale Investments Received in Consideration for Loans Sold</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold" xlink:href="slm-20241231.xsd#slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold" xlink:to="lab_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TradingSecuritiesDebt_1cecf752-dae1-4645-81b3-858ac14427ac_terseLabel_en-US" xlink:label="lab_us-gaap_TradingSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading investments at fair value (cost of $41,715 and $43,412, respectively)</link:label>
    <link:label id="lab_us-gaap_TradingSecuritiesDebt_73ac528b-db5a-4241-9e36-e9eadf1e7748_verboseLabel_en-US" xlink:label="lab_us-gaap_TradingSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_AdditionalPaidInCapitalMember_02e8a264-9687-4bb8-bdd0-1dcb599efab7_terseLabel_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional Paid-In Capital</link:label>
    <link:label id="lab_us-gaap_AdditionalPaidInCapitalMember_label_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional Paid-in Capital [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdditionalPaidInCapitalMember" xlink:to="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_cc62e315-00f8-4c97-aed3-342b2137ce0e_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Relationship [Axis]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Relationship [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <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_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_e95ec242-a0af-410a-bdec-6a47872bae36_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Loans Held for Investment</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:to="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfStockLineItems_ede7916e-1041-4d0c-aa7c-50f44642acec_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Class of Stock [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockLineItems"/>
    <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_slm_LoansHeldForSalePolicyTextBlock_d6a058ef-d39d-4846-aaf5-dab027fbe7f4_terseLabel_en-US" xlink:label="lab_slm_LoansHeldForSalePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Loans Held For Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansHeldForSalePolicyTextBlock" xlink:href="slm-20241231.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_ConcentrationRiskDisclosureTextBlock_64b9f568-6d0a-4b9d-b3cf-9be1e0c27831_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentrations of Risk</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConcentrationRiskDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:to="lab_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShortTermDebtLineItems_f2c7c530-b349-426a-b836-76f56a7297e6_terseLabel_en-US" xlink:label="lab_us-gaap_ShortTermDebtLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_NewAccountingPronouncementsPolicyPolicyTextBlock_01965cc8-fb0d-469b-8a3d-1eab31449c15_terseLabel_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recently Adopted Accounting Pronouncements and Recently Issue Accounting Pronouncements</link:label>
    <link:label id="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New Accounting Pronouncements, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementClassOfStockAxis_5f1e2726-fda1-469f-b5e5-4cf45fab6198_terseLabel_en-US" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementClassOfStockAxis_label_en-US" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementClassOfStockAxis" xlink:to="lab_us-gaap_StatementClassOfStockAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeBasisSpreadOnVariableRate_16cef758-31bd-4217-b977-f0c178f77c4f_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeBasisSpreadOnVariableRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average Cost of Funds</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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeBasisSpreadOnVariableRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeBasisSpreadOnVariableRate" xlink:to="lab_us-gaap_DerivativeBasisSpreadOnVariableRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_a77c48b9-300b-4dcf-bc53-e2a8454cd68f_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets by Major Class [Axis]</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets by Major Class [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_a71da237-704a-4e8a-a999-17a6a7717de1_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Amortization</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Accumulated Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MeasureName_terseLabel_en-US" xlink:label="lab_ecd_MeasureName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_MeasureName_label_en-US" xlink:label="lab_ecd_MeasureName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measure Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MeasureName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MeasureName" xlink:to="lab_ecd_MeasureName" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_ebad2384-4791-4f54-82e2-24b8d6fb6ed8_terseLabel_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_label_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityInteractiveDataCurrent" xlink:to="lab_dei_EntityInteractiveDataCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_01d7cbe3-f328-4810-83e2-e5aecb276123_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans Transferred to the Trust by Third-Party Seller</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" xml:lang="en-US">Proceeds from Sale of Debt Securities, Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:to="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_55f0136f-7d1d-4985-bc81-9e199d68c809_terseLabel_en-US" xlink:label="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</link:label>
    <link:label id="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_label_en-US" xlink:label="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:to="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_90b0bf64-10d3-421d-94ce-4c388abf1a7a_terseLabel_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 3</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated Two Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated Two Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxesPaid_e14f37a6-be84-472c-992b-2ba3163a48a3_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxesPaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income taxes paid</link:label>
    <link:label id="lab_us-gaap_IncomeTaxesPaid_label_en-US" xlink:label="lab_us-gaap_IncomeTaxesPaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Taxes Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaid" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxesPaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxesPaid" xlink:to="lab_us-gaap_IncomeTaxesPaid" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_1e6c4072-7723-4499-a944-dc0d660f1e62_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan_12f09ebf-9189-4423-8bd1-5c0e75096a11_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum amount of forbearance granted</link:label>
    <link:label id="lab_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan_label_en-US" xlink:label="lab_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Month Limit On Forbearance Granted, Life Of Loan</link:label>
    <link:label id="lab_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan_documentation_en-US" xlink:label="lab_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Month Limit On Forbearance Granted, Life Of Loan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" xlink:href="slm-20241231.xsd#slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" xlink:to="lab_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensation_b321561f-cfeb-4193-a514-9f13d4bca2f0_verboseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Stock-based compensation expense</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensation_744238e8-2083-4cab-bcdb-e1f33934a2be_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock-based compensation cost</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Noncash Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensation" xlink:to="lab_us-gaap_ShareBasedCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsNet_5b9c16d5-1487-4d00-9b01-593bb3935cbb_totalLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total deferred tax assets</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsNet_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Net of Valuation Allowance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsNet" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsNet" xlink:to="lab_us-gaap_DeferredTaxAssetsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_d643c87c-3962-42da-a246-1d3bf41b6237_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Debt Instrument, Interest Rate, Stated Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <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_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits_ee320de3-5ba8-44cf-bbf6-ae32bac5fb27_terseLabel_en-US" xlink:label="lab_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrecorded tax benefits</link:label>
    <link:label id="lab_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits_label_en-US" xlink:label="lab_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Tax Deferred Expenses, Reserves and Accruals, Unrecorded Tax Benefits</link:label>
    <link:label id="lab_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits_documentation_en-US" xlink:label="lab_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Tax Deferred Expenses, Reserves and Accruals, Unrecorded Tax Benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits" xlink:href="slm-20241231.xsd#slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits" xlink:to="lab_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SupplementalCashFlowInformationAbstract_090b9127-8d2f-42b8-ab68-8ac2d6264943_terseLabel_en-US" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash disbursements made for:</link:label>
    <link:label id="lab_us-gaap_SupplementalCashFlowInformationAbstract_label_en-US" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Supplemental Cash Flow Information [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncome_60e30172-9a52-40c7-8656-71bc1e0fff95_totalLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total non-interest income</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" 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/2024/elts/us-gaap-2024.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_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_7ce5acd9-e877-4075-ad8a-4cb353a45e10_terseLabel_en-US" xlink:label="lab_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Low income housing tax credit investments</link:label>
    <link:label id="lab_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_label_en-US" xlink:label="lab_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" xlink:to="lab_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember_6dfb468e-3525-4b69-846c-40abafa0d65c_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">More than 48 payments</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember_label_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From More Than Forty Eight Payments [Member]</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember_documentation_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From More Than Forty Eight Payments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember" xlink:to="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_934c10e4-d821-4d76-bccd-2bb311b8fc65_terseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income attributable to SLM Corporation common stock, diluted</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" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:to="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities_37fde2fe-58cf-44d4-ae34-a79f3d673e2d_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PerformanceVestingStockOptionsMember_af21d92b-9840-4e84-87c4-64a79a1bab96_terseLabel_en-US" xlink:label="lab_slm_PerformanceVestingStockOptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performance Vesting Stock Options</link:label>
    <link:label id="lab_slm_PerformanceVestingStockOptionsMember_label_en-US" xlink:label="lab_slm_PerformanceVestingStockOptionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performance Vesting Stock Options [Member]</link:label>
    <link:label id="lab_slm_PerformanceVestingStockOptionsMember_documentation_en-US" xlink:label="lab_slm_PerformanceVestingStockOptionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Performance Vesting Stock Options [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PerformanceVestingStockOptionsMember" xlink:href="slm-20241231.xsd#slm_PerformanceVestingStockOptionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PerformanceVestingStockOptionsMember" xlink:to="lab_slm_PerformanceVestingStockOptionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_c8027d9d-4deb-45a8-abf1-e2d55440bfa7_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Impact of Derivatives on the Consolidated Statements of Income</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:to="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment_956d6b01-ac56-4f0e-9d85-8fccb1df97d8_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Research and development costs</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Asset, In-Process Research and Development</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment" xlink:to="lab_us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_a413ba00-833e-4f58-b374-e0dd0830f872_terseLabel_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Domain]</link:label>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_label_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:to="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi_ffbad3ed-588f-4246-81d1-1b7a37412e6b_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Increase in non-marketable securities</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Equity Securities, FV-NI</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi" xlink:to="lab_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockDividendRatePercentage_0e5f86cb-5107-4c13-91e2-579f5177b789_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendRatePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock dividend rate (as a percentage)</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendRatePercentage_label_en-US" xlink:label="lab_us-gaap_PreferredStockDividendRatePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Dividend Rate, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendRatePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockDividendRatePercentage" xlink:to="lab_us-gaap_PreferredStockDividendRatePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestCostsCapitalized_b679831a-2cc9-4b28-b535-50abfe131a48_terseLabel_en-US" xlink:label="lab_us-gaap_InterestCostsCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest capitalized during the period</link:label>
    <link:label id="lab_us-gaap_InterestCostsCapitalized_label_en-US" xlink:label="lab_us-gaap_InterestCostsCapitalized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Costs Capitalized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestCostsCapitalized" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestCostsCapitalized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestCostsCapitalized" xlink:to="lab_us-gaap_InterestCostsCapitalized" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AuditorFirmId_28cf9a29-6093-4f1c-bebe-7ed3e70d537a_terseLabel_en-US" xlink:label="lab_dei_AuditorFirmId" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auditor Firm ID</link:label>
    <link:label id="lab_dei_AuditorFirmId_label_en-US" xlink:label="lab_dei_AuditorFirmId" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor Firm ID</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorFirmId" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AuditorFirmId"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorFirmId" xlink:to="lab_dei_AuditorFirmId" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperations_9aa4ae9f-77f9-48ed-aeac-50d6638f0961_totalLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Effective tax rate</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperations_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_c5bda48e-3b31-470e-9a77-2eb189ed5312_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans, net, Year 5</link:label>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss, Originated Four Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss, Originated Four Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_721926c1-3ac2-4e26-adba-94daf7c43c56_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Private Education Loan Portfolio Stratified by Key Credit Quality Indicators</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Credit Quality Indicators [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:to="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Deposits_533aa7d1-608c-4fe0-b020-615fa126ff9b_terseLabel_en-US" xlink:label="lab_us-gaap_Deposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_Deposits_d0a09270-0669-4139-a413-8349e4cb1c31_totalLabel_en-US" xlink:label="lab_us-gaap_Deposits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_VariableRateDomain_45cc6cc7-260d-47e4-a7cf-863c534b1e47_terseLabel_en-US" xlink:label="lab_us-gaap_VariableRateDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Rate [Domain]</link:label>
    <link:label id="lab_us-gaap_VariableRateDomain_label_en-US" xlink:label="lab_us-gaap_VariableRateDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Rate [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableRateDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableRateDomain" xlink:to="lab_us-gaap_VariableRateDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquity_9bd7e14d-65a0-47f3-bddf-3e2eb99a7498_totalLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total liabilities and equity</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquity_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities and Equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DuefromSubsidiaresNet_8689c387-092c-44b8-a6c1-a444dd4dc58b_terseLabel_en-US" xlink:label="lab_slm_DuefromSubsidiaresNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due from subsidiaries, net</link:label>
    <link:label id="lab_slm_DuefromSubsidiaresNet_label_en-US" xlink:label="lab_slm_DuefromSubsidiaresNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Due from Subsidiares, Net</link:label>
    <link:label id="lab_slm_DuefromSubsidiaresNet_documentation_en-US" xlink:label="lab_slm_DuefromSubsidiaresNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Due from Subsidiares, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DuefromSubsidiaresNet" xlink:href="slm-20241231.xsd#slm_DuefromSubsidiaresNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DuefromSubsidiaresNet" xlink:to="lab_slm_DuefromSubsidiaresNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Dividends_6ba1430d-d902-488d-aae8-6a35b658e8f9_terseLabel_en-US" xlink:label="lab_us-gaap_Dividends" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_SubsequentEventsTextBlock_d632b86d-d88f-4fd5-a363-5012da9be512_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Subsequent Events [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventsTextBlock"/>
    <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_ecd_Rule10b51ArrTrmntdFlag_terseLabel_en-US" xlink:label="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Terminated</link:label>
    <link:label id="lab_ecd_Rule10b51ArrTrmntdFlag_label_en-US" xlink:label="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Terminated [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:to="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis_c67891a1-8bdb-4424-b6e9-744b7ca40daa_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgingDesignationAxis_e053a7ee-57f6-4811-9038-534787275008_terseLabel_en-US" xlink:label="lab_us-gaap_HedgingDesignationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Designation [Axis]</link:label>
    <link:label id="lab_us-gaap_HedgingDesignationAxis_label_en-US" xlink:label="lab_us-gaap_HedgingDesignationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Designation [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgingDesignationAxis" xlink:to="lab_us-gaap_HedgingDesignationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear_1984cf99-551e-4e84-a5bb-4b0ce0b93a3c_terseLabel_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 4</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Three Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Three Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AccruedInterestReceivableFairValueDisclosure_f5bd1f94-a791-4b03-8dfe-159f1789a73d_terseLabel_en-US" xlink:label="lab_slm_AccruedInterestReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest receivable</link:label>
    <link:label id="lab_slm_AccruedInterestReceivableFairValueDisclosure_label_en-US" xlink:label="lab_slm_AccruedInterestReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued Interest Receivable, Fair Value Disclosure</link:label>
    <link:label id="lab_slm_AccruedInterestReceivableFairValueDisclosure_documentation_en-US" xlink:label="lab_slm_AccruedInterestReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accrued Interest Receivable, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableFairValueDisclosure" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AccruedInterestReceivableFairValueDisclosure" xlink:to="lab_slm_AccruedInterestReceivableFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInForbearanceMember_bb088810-b3fe-4942-b32f-1cb034f834d5_terseLabel_en-US" xlink:label="lab_slm_LoansInForbearanceMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans In Forbearance</link:label>
    <link:label id="lab_slm_LoansInForbearanceMember_label_en-US" xlink:label="lab_slm_LoansInForbearanceMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans In Forbearance [Member]</link:label>
    <link:label id="lab_slm_LoansInForbearanceMember_documentation_en-US" xlink:label="lab_slm_LoansInForbearanceMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans In Forbearance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceMember" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInForbearanceMember" xlink:to="lab_slm_LoansInForbearanceMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_72bd68bb-7b64-4b5d-bed9-309d6fe0af34_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Financial Instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:to="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants_767a715a-b836-41d7-b16f-7c912ae05507_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of payments required by a borrower between successive grants of forbearance</link:label>
    <link:label id="lab_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants_label_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Number Of Payments Required Between Forbearance Grants</link:label>
    <link:label id="lab_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants_documentation_en-US" xlink:label="lab_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Number Of Payments Required Between Forbearance Grants</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants" xlink:href="slm-20241231.xsd#slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants" xlink:to="lab_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_0b7e899c-810e-49d1-8aed-0acea817dd95_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans allowance for losses, Year 3</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated Two Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated Two Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsOfDividends_ab7294e4-9e28-46fe-ae2f-c5c2f1392e5f_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDividends" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock dividends paid</link:label>
    <link:label id="lab_us-gaap_PaymentsOfDividends_label_en-US" xlink:label="lab_us-gaap_PaymentsOfDividends" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments of Dividends</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividends" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividends"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsOfDividends" xlink:to="lab_us-gaap_PaymentsOfDividends" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_75019978-c16d-4c29-86ca-b9c1c9c74c85_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Major Class Name [Domain]</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Major Class Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CreditQualityIndicatorsAxis_2abd5a12-82de-4cd1-ac88-49baf3de49a6_terseLabel_en-US" xlink:label="lab_slm_CreditQualityIndicatorsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Quality Indicators [Axis]</link:label>
    <link:label id="lab_slm_CreditQualityIndicatorsAxis_label_en-US" xlink:label="lab_slm_CreditQualityIndicatorsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Quality Indicators [Axis]</link:label>
    <link:label id="lab_slm_CreditQualityIndicatorsAxis_documentation_en-US" xlink:label="lab_slm_CreditQualityIndicatorsAxis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Credit Quality Indicators [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsAxis" xlink:href="slm-20241231.xsd#slm_CreditQualityIndicatorsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CreditQualityIndicatorsAxis" xlink:to="lab_slm_CreditQualityIndicatorsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_10f3f617-aec6-4675-a459-c5ce4a6fdaeb_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Maturities of Long-term Debt</link:label>
    <link:label id="lab_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Maturities of Long-Term Debt [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy_2e9c0bf7-fa7b-48eb-8286-41666d1aa4f0_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitization Accounting</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers and Servicing of Financial Assets, Transfers of Financial Assets, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy" xlink:to="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IndustryOfCounterpartyDomain_8e920729-71b8-479d-a6e9-4a4cede3a76c_terseLabel_en-US" xlink:label="lab_us-gaap_IndustryOfCounterpartyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Industry of Counterparty [Domain]</link:label>
    <link:label id="lab_us-gaap_IndustryOfCounterpartyDomain_label_en-US" xlink:label="lab_us-gaap_IndustryOfCounterpartyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Industry of Counterparty [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain" xlink:to="lab_us-gaap_IndustryOfCounterpartyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_UndrlygSecurityMktPriceChngPct_terseLabel_en-US" xlink:label="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Underlying Security Market Price Change</link:label>
    <link:label id="lab_ecd_UndrlygSecurityMktPriceChngPct_label_en-US" xlink:label="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Underlying Security Market Price Change, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:to="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_c6b5d472-4806-4c94-a2b4-ea6be2875247_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="lab_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputTypeAxis_bab76ba5-7b0f-428e-8970-cfd68d4bec98_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Axis]</link:label>
    <link:label id="lab_us-gaap_MeasurementInputTypeAxis_label_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputTypeAxis" xlink:to="lab_us-gaap_MeasurementInputTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_IndividualAxis_terseLabel_en-US" xlink:label="lab_ecd_IndividualAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Individual:</link:label>
    <link:label id="lab_ecd_IndividualAxis_label_en-US" xlink:label="lab_ecd_IndividualAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Individual [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_IndividualAxis" xlink:to="lab_ecd_IndividualAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput_7914af04-80fb-47ee-b8d6-68ce9655fe35_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BuildingAndBuildingImprovementsMember_8ef3a0e5-4ed8-46b7-9312-de453ff59e74_terseLabel_en-US" xlink:label="lab_us-gaap_BuildingAndBuildingImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Buildings and leasehold improvements</link:label>
    <link:label id="lab_us-gaap_BuildingAndBuildingImprovementsMember_label_en-US" xlink:label="lab_us-gaap_BuildingAndBuildingImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Building and Building Improvements [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BuildingAndBuildingImprovementsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BuildingAndBuildingImprovementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BuildingAndBuildingImprovementsMember" xlink:to="lab_us-gaap_BuildingAndBuildingImprovementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_8e2c6b9a-33cf-4dfa-9d80-9bbe22429099_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Shares repurchased related to employee stock-based compensation plans</link:label>
    <link:label id="lab_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Decrease for Tax Withholding Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:to="lab_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PrivateEducationLoansAtOrigination_a71cc5b2-d363-407d-bc84-ebc5dfd751d7_terseLabel_en-US" xlink:label="lab_slm_PrivateEducationLoansAtOrigination" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans at origination</link:label>
    <link:label id="lab_slm_PrivateEducationLoansAtOrigination_label_en-US" xlink:label="lab_slm_PrivateEducationLoansAtOrigination" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Private Education Loans At Origination</link:label>
    <link:label id="lab_slm_PrivateEducationLoansAtOrigination_documentation_en-US" xlink:label="lab_slm_PrivateEducationLoansAtOrigination" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Private Education Loans At Origination</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansAtOrigination" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansAtOrigination"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PrivateEducationLoansAtOrigination" xlink:to="lab_slm_PrivateEducationLoansAtOrigination" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember_8613f810-86b2-404d-a51f-e9793aff22a2_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss)</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI Attributable to Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_d3a040f9-13a3-4166-a551-b07094337355_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Canceled (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Forfeitures in Period, Weighted Average Exercise Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_42d23fc4-2ccf-472d-96ee-65f7f59cd441_verboseLabel_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Expected life of the option</link:label>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_label_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentLineItems_97013155-5449-42e1-a8ec-07074d2325e2_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_StatementLineItems_951afbdd-438f-48e0-8e9c-df8497fa0a53_terseLabel_en-US" xlink:label="lab_us-gaap_StatementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_MeasurementInputTypeDomain_eb9ef2a6-3afc-44b8-ba17-520c37c119f0_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Domain]</link:label>
    <link:label id="lab_us-gaap_MeasurementInputTypeDomain_label_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputTypeDomain" xlink:to="lab_us-gaap_MeasurementInputTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_3726bfb0-cb9b-4f7c-99c8-2bb52649640e_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain (loss) OCI after adjustment tax</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Sallie.comDomainMember_ed841c52-a638-4f66-ac17-d5d0d9c2a404_terseLabel_en-US" xlink:label="lab_slm_Sallie.comDomainMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sallie.com domain</link:label>
    <link:label id="lab_slm_Sallie.comDomainMember_label_en-US" xlink:label="lab_slm_Sallie.comDomainMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sallie.com Domain [Member]</link:label>
    <link:label id="lab_slm_Sallie.comDomainMember_documentation_en-US" xlink:label="lab_slm_Sallie.comDomainMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sallie.com Domain</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Sallie.comDomainMember" xlink:href="slm-20241231.xsd#slm_Sallie.comDomainMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Sallie.comDomainMember" xlink:to="lab_slm_Sallie.comDomainMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList_1329e5af-5c5a-4bdc-b140-13fdb230baff_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList_label_en-US" xlink:label="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" xlink:to="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableSaleCapitalizedInterest_393a1a09-ee24-4cdc-946f-8161d2b2563c_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableSaleCapitalizedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capitalized interest</link:label>
    <link:label id="lab_slm_FinancingReceivableSaleCapitalizedInterest_label_en-US" xlink:label="lab_slm_FinancingReceivableSaleCapitalizedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Sale, Capitalized Interest</link:label>
    <link:label id="lab_slm_FinancingReceivableSaleCapitalizedInterest_documentation_en-US" xlink:label="lab_slm_FinancingReceivableSaleCapitalizedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Sale, Capitalized Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSaleCapitalizedInterest" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSaleCapitalizedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableSaleCapitalizedInterest" xlink:to="lab_slm_FinancingReceivableSaleCapitalizedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingExpensesAbstract_75087b96-f75d-46f3-9758-2c58bc6e1056_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingExpensesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-interest expenses:</link:label>
    <link:label id="lab_us-gaap_OperatingExpensesAbstract_label_en-US" xlink:label="lab_us-gaap_OperatingExpensesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Expenses [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpensesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingExpensesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingExpensesAbstract" xlink:to="lab_us-gaap_OperatingExpensesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CommonStockParValue20PerShareMember_27c60b4e-f3bb-4b1d-9ce2-23476a6183cc_terseLabel_en-US" xlink:label="lab_slm_CommonStockParValue20PerShareMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, par value $.20 per share</link:label>
    <link:label id="lab_slm_CommonStockParValue20PerShareMember_label_en-US" xlink:label="lab_slm_CommonStockParValue20PerShareMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common stock, par value $.20 per share [Member]</link:label>
    <link:label id="lab_slm_CommonStockParValue20PerShareMember_documentation_en-US" xlink:label="lab_slm_CommonStockParValue20PerShareMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Common stock, par value $.20 per share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CommonStockParValue20PerShareMember" xlink:href="slm-20241231.xsd#slm_CommonStockParValue20PerShareMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CommonStockParValue20PerShareMember" xlink:to="lab_slm_CommonStockParValue20PerShareMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentTextBlock_31533b71-d215-41a7-8f07-c31183c238a0_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Property, Plant and Equipment</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentTextBlock_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Total Shareholder Return</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Total Shareholder Return [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock_5b02c4f0-c7ff-42cd-8298-9e50059fb1b5_terseLabel_en-US" xlink:label="lab_slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance For FFELP Loan Losses</link:label>
    <link:label id="lab_slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock_label_en-US" xlink:label="lab_slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance For FFELP Loan Losses, Policy [Policy Text Block]</link:label>
    <link:label id="lab_slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Allowance For FFELP Loan Losses, Policy</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock" xlink:href="slm-20241231.xsd#slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock" xlink:to="lab_slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Regulatory Assets and Liabilities Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract" xlink:to="lab_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativesPolicyTextBlock_9f7df555-b83d-4e35-848e-3a4a5973802d_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Accounting</link:label>
    <link:label id="lab_us-gaap_DerivativesPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_DerivativesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativesPolicyTextBlock" xlink:to="lab_us-gaap_DerivativesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock_79e9fbc5-faba-4865-b71c-57223cd5fb23_terseLabel_en-US" xlink:label="lab_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for Credit Losses</link:label>
    <link:label id="lab_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Loss, Financial Instrument [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditLossFinancialInstrumentPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock" xlink:to="lab_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_147ca64c-0c85-4b1d-8e30-ac1d581bf709_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MinimumMember_3a6b071d-4bb4-4a67-9282-6a2c3764da18_terseLabel_en-US" xlink:label="lab_srt_MinimumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum</link:label>
    <link:label id="lab_srt_MinimumMember_label_en-US" xlink:label="lab_srt_MinimumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minimum [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MinimumMember" xlink:to="lab_srt_MinimumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrAdoptionDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrAdoptionDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adoption Date</link:label>
    <link:label id="lab_ecd_TrdArrAdoptionDate_label_en-US" xlink:label="lab_ecd_TrdArrAdoptionDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Adoption Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrAdoptionDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrAdoptionDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrAdoptionDate" xlink:to="lab_ecd_TrdArrAdoptionDate" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment_e0fb812e-8cdd-408f-aee2-01558ab0d0cc_terseLabel_en-US" xlink:label="lab_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ending loans in repayment</link:label>
    <link:label id="lab_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment_label_en-US" xlink:label="lab_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance Coverage Of Charge Offs Ending Loans In Repayment</link:label>
    <link:label id="lab_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment_documentation_en-US" xlink:label="lab_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Allowance coverage of charge-offs Ending loans in repayment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment" xlink:href="slm-20241231.xsd#slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment" xlink:to="lab_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment_b541f15b-395f-4736-9f65-4623c27672fd_terseLabel_en-US" xlink:label="lab_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent of private education loans related to borrowers in school, grace or deferment</link:label>
    <link:label id="lab_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment_label_en-US" xlink:label="lab_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Private Education Loans Related To Borrowers In School, Grace or Deferment</link:label>
    <link:label id="lab_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment_documentation_en-US" xlink:label="lab_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Private Education Loans Related To Borrowers In School, Grace or Deferment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" xlink:href="slm-20241231.xsd#slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" xlink:to="lab_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_8c848ccc-fea3-4763-8359-e8f5621f535c_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 1 Capital (to Risk-Weighted Assets)</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital Ratio, Well Capitalized, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansGrossBeforeAllowanceForCreditLoss_0931fba2-0be3-433b-9dac-fba450986f89_totalLabel_en-US" xlink:label="lab_slm_LoansGrossBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans, gross</link:label>
    <link:label id="lab_slm_LoansGrossBeforeAllowanceForCreditLoss_label_en-US" xlink:label="lab_slm_LoansGrossBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Gross, Before Allowance For Credit Loss</link:label>
    <link:label id="lab_slm_LoansGrossBeforeAllowanceForCreditLoss_documentation_en-US" xlink:label="lab_slm_LoansGrossBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Gross, Before Allowance For Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossBeforeAllowanceForCreditLoss" xlink:href="slm-20241231.xsd#slm_LoansGrossBeforeAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansGrossBeforeAllowanceForCreditLoss" xlink:to="lab_slm_LoansGrossBeforeAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage_fb22dbd8-8282-42cf-94bc-d97b45d7774e_terseLabel_en-US" xlink:label="lab_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">% of Total Class of Financing Receivable</link:label>
    <link:label id="lab_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage_label_en-US" xlink:label="lab_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Modifications Made to Borrowers Experiencing Financial Difficulty, Percentage</link:label>
    <link:label id="lab_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage_documentation_en-US" xlink:label="lab_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan Modifications Made to Borrowers Experiencing Financial Difficulty, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" xlink:href="slm-20241231.xsd#slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" xlink:to="lab_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LinesOfCreditCurrent_856af1ee-6f84-48d4-b878-60b7c2826e4d_terseLabel_en-US" xlink:label="lab_us-gaap_LinesOfCreditCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured borrowings outstanding</link:label>
    <link:label id="lab_us-gaap_LinesOfCreditCurrent_label_en-US" xlink:label="lab_us-gaap_LinesOfCreditCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit, Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LinesOfCreditCurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LinesOfCreditCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LinesOfCreditCurrent" xlink:to="lab_us-gaap_LinesOfCreditCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementBusinessSegmentsAxis_8b76d097-8596-4bf1-b0ae-9bf93460f3a8_terseLabel_en-US" xlink:label="lab_us-gaap_StatementBusinessSegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segments [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementBusinessSegmentsAxis_label_en-US" xlink:label="lab_us-gaap_StatementBusinessSegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segments [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis" xlink:to="lab_us-gaap_StatementBusinessSegmentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year</link:label>
    <link:label id="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember_label_en-US" xlink:label="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:to="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear_61ebfe45-b779-46a8-86eb-250a85783df0_terseLabel_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of Private Education Loans in repayment, Year 4</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Loans In Repayment, Originated Three Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Loans In Repayment, Originated Three Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" xlink:to="lab_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_2b0d8edd-d132-44d2-ad61-8938a76259b9_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statutory rate</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_3f9cd60a-324e-4d12-952d-fac30d9be122_verboseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Statutory U.S. federal rate</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentRiskAxis_74a46be7-eb86-468d-b7ac-f1704e541bba_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentRiskAxis_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis" xlink:to="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardExrcPrice_terseLabel_en-US" xlink:label="lab_ecd_AwardExrcPrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exercise Price</link:label>
    <link:label id="lab_ecd_AwardExrcPrice_label_en-US" xlink:label="lab_ecd_AwardExrcPrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Exercise Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardExrcPrice" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardExrcPrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardExrcPrice" xlink:to="lab_ecd_AwardExrcPrice" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear_ae351667-8171-486b-8a9a-1cad894ab59f_terseLabel_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 3</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Two Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Two Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_18eb4f09-ef29-4a42-9c56-4c2ca32db501_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Deferred Tax Assets and Liabilities</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Deferred Tax Assets and Liabilities [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration_20042350-c6a1-430a-8103-2102c61049af_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Cash Flows [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration_label_en-US" xlink:label="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Cash Flows [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration" xlink:to="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance_93eb3851-fa7c-4ffd-97d5-9f3cb158c533_terseLabel_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of loans in repayment and forbearance</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance_label_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance_documentation_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" xlink:to="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrDuration_terseLabel_en-US" xlink:label="lab_ecd_TrdArrDuration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Arrangement Duration</link:label>
    <link:label id="lab_ecd_TrdArrDuration_label_en-US" xlink:label="lab_ecd_TrdArrDuration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Duration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrDuration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrDuration" xlink:to="lab_ecd_TrdArrDuration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_37504597-8305-4a30-a007-0b29b66d7a06_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 1 Capital (to Risk-Weighted Assets)</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital Ratio, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ReportableSegmentMember_b2965662-b698-44fd-a661-14619648d3dd_terseLabel_en-US" xlink:label="lab_slm_ReportableSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reportable Segment</link:label>
    <link:label id="lab_slm_ReportableSegmentMember_label_en-US" xlink:label="lab_slm_ReportableSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reportable Segment [Member]</link:label>
    <link:label id="lab_slm_ReportableSegmentMember_documentation_en-US" xlink:label="lab_slm_ReportableSegmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reportable Segment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ReportableSegmentMember" xlink:href="slm-20241231.xsd#slm_ReportableSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ReportableSegmentMember" xlink:to="lab_slm_ReportableSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_5d0779fd-f9aa-455c-876f-9b1327f54c50_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill and Acquired Intangible Assets</link:label>
    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill and Intangible Assets Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:to="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_95948c90-dbde-4763-b37d-18bd82193e56_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Period-end Amortized Cost Basis</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Subsequent Default</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:to="lab_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquityAbstract_7ae753ee-fe73-4083-aeb6-01e087a175ca_terseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">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/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityAbstract" xlink:to="lab_us-gaap_StockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositsMember_94845700-fe1c-44d1-a6ad-02cb327e9fef_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_DepositsMember_label_en-US" xlink:label="lab_us-gaap_DepositsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositsMember" xlink:to="lab_us-gaap_DepositsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_d488c237-d448-4191-a4fc-621bd74ac14b_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated Fair Value</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci_10bdd78d-789b-42d6-88cd-fa608aa21604_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period</link:label>
    <link:label id="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci_label_en-US" xlink:label="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), OCI</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" xlink:to="lab_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember_e666a088-d3db-4095-8dd4-4a862fa07a3d_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">13-24 payments</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember_label_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From Thirteen To Twenty Four Payments [Member]</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember_documentation_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From Thirteen To Twenty Four Payments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember" xlink:to="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncomeAbstract_40786a29-8984-4eac-960f-76e0a8d9365a_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-interest income:</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeAbstract_label_en-US" xlink:label="lab_us-gaap_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncomeAbstract" xlink:to="lab_us-gaap_NoninterestIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Investments_57b8bb2a-4148-47a3-97f6-65f5a5779c41_totalLabel_en-US" xlink:label="lab_us-gaap_Investments" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" xml:lang="en-US">Investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Investments"/>
    <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_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_98d99940-0905-4f85-9396-a67cd036fb0a_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Asset, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration" xlink:to="lab_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear_a133d44a-2322-4788-9939-266845241149_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear_249f75ce-8985-4ef9-90ba-2840577267ec_terseLabel_en-US" xlink:label="lab_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_OffBalanceSheetCreditLossLiabilityWriteoff_44818b01-4f11-4fdd-a75b-bd0d04e4bc41_negatedTerseLabel_en-US" xlink:label="lab_slm_OffBalanceSheetCreditLossLiabilityWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Transfer to allowance for loan losses</link:label>
    <link:label id="lab_slm_OffBalanceSheetCreditLossLiabilityWriteoff_27a807c1-fb64-4172-851d-7939d56c8bb9_negatedLabel_en-US" xlink:label="lab_slm_OffBalanceSheetCreditLossLiabilityWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" 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" 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" 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-20241231.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_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_2f682db4-b81b-45b0-81f5-d868293dbace_terseLabel_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:to="lab_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ExtendedMaturityMember_09c3126f-82ed-4768-90f9-d3f68dc7e8e3_terseLabel_en-US" xlink:label="lab_us-gaap_ExtendedMaturityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Extended Maturity</link:label>
    <link:label id="lab_us-gaap_ExtendedMaturityMember_label_en-US" xlink:label="lab_us-gaap_ExtendedMaturityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Extended Maturity [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ExtendedMaturityMember" xlink:to="lab_us-gaap_ExtendedMaturityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_aea51181-9253-44c9-ae84-a1d6c2558219_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Banking Regulation, Tier 1 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/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:to="lab_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MtrlTermsOfTrdArrTextBlock_terseLabel_en-US" xlink:label="lab_ecd_MtrlTermsOfTrdArrTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Material Terms of Trading Arrangement</link:label>
    <link:label id="lab_ecd_MtrlTermsOfTrdArrTextBlock_label_en-US" xlink:label="lab_ecd_MtrlTermsOfTrdArrTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Material Terms of Trading Arrangement [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:to="lab_ecd_MtrlTermsOfTrdArrTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount_f2a78f6a-f64a-43a0-a975-8ff995f44ed1_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization cost basis</link:label>
    <link:label id="lab_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount_label_en-US" xlink:label="lab_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified in Period, Subsequently Charged Off, Amount</link:label>
    <link:label id="lab_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount_documentation_en-US" xlink:label="lab_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified in Period, Subsequently Charged Off, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount" xlink:href="slm-20241231.xsd#slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount" xlink:to="lab_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllIndividualsMember_terseLabel_en-US" xlink:label="lab_ecd_AllIndividualsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Individuals</link:label>
    <link:label id="lab_ecd_AllIndividualsMember_label_en-US" xlink:label="lab_ecd_AllIndividualsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Individuals [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="lab_ecd_AllIndividualsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ExtendedMaturityAndInterestRateReductionMember_5bdcba7f-1e1c-4e5b-899d-0d5e76f881f6_terseLabel_en-US" xlink:label="lab_us-gaap_ExtendedMaturityAndInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Combination - Interest Rate Reduction and Term Extension</link:label>
    <link:label id="lab_us-gaap_ExtendedMaturityAndInterestRateReductionMember_label_en-US" xlink:label="lab_us-gaap_ExtendedMaturityAndInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Extended Maturity and Interest Rate Reduction [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ExtendedMaturityAndInterestRateReductionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember" xlink:to="lab_us-gaap_ExtendedMaturityAndInterestRateReductionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInRepaymentOriginatedInCurrentFiscalYear_7fe8d644-b16f-453e-8e36-d98efa69a8e7_terseLabel_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans in forbearance, Year 1</link:label>
    <link:label id="lab_slm_LoansInRepaymentOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans In Repayment, Originated In Current Fiscal Year</link:label>
    <link:label id="lab_slm_LoansInRepaymentOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansInRepaymentOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total loans in repayment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedInCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInRepaymentOriginatedInCurrentFiscalYear" xlink:to="lab_slm_LoansInRepaymentOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_30e117a4-0613-47be-949b-ba158c18a6b5_totalLabel_en-US" xlink:label="lab_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Loss before income tax benefit and equity in net income from subsidiaries</link:label>
    <link:label id="lab_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_label_en-US" xlink:label="lab_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) From Continuing Operations Before Income (loss) From Subsidiaries and Income Taxes</link:label>
    <link:label id="lab_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_documentation_en-US" xlink:label="lab_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Income (Loss) From Continuing Operations Before Income (loss) From Subsidiaries and Income Taxes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" xlink:href="slm-20241231.xsd#slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" xlink:to="lab_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableRateAxis_80e9e0d7-cc8c-46bd-b092-e3ea161ecbbe_terseLabel_en-US" xlink:label="lab_us-gaap_VariableRateAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Rate [Axis]</link:label>
    <link:label id="lab_us-gaap_VariableRateAxis_label_en-US" xlink:label="lab_us-gaap_VariableRateAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Rate [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableRateAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableRateAxis" xlink:to="lab_us-gaap_VariableRateAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureAbstract_8d95ed7d-64e0-457d-af82-d7d9076dda20_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_OtherInvestments_54d9f6f2-4b80-4a2c-a42b-ecba3f83eedb_terseLabel_en-US" xlink:label="lab_us-gaap_OtherInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other investments</link:label>
    <link:label id="lab_us-gaap_OtherInvestments_label_en-US" xlink:label="lab_us-gaap_OtherInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInvestments" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherInvestments" xlink:to="lab_us-gaap_OtherInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_363cde14-e58c-4edb-9f97-1948dee73dca_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment (net of allowance for losses of $1,435,920 and $1,339,772, respectively)</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_5159c9c7-7fe2-4f14-bfcf-b858ca0e3c8c_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, net</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_b9f487ad-8fd1-46a1-943e-4275cd1d4c16_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans, 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock_01b967a6-08ff-4aac-8a49-a8aa8893c2c9_terseLabel_en-US" xlink:label="lab_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Restricted Stock Unit and Performance Stock Unit Activity</link:label>
    <link:label id="lab_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock_label_en-US" xlink:label="lab_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Share Based Compensation Arrangement By Share Based Payment Award Restricted Stock Units And Performance Stock Units Vested And Expected To Vest Table [Table Text Block]</link:label>
    <link:label id="lab_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock_documentation_en-US" xlink:label="lab_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Schedule Of Share Based Compensation Arrangement By Share Based Payment Award Restricted Stock Units And Performance Stock Units Vested And Expected To Vest [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" xlink:href="slm-20241231.xsd#slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" xlink:to="lab_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfStockholdersEquityAbstract_af24b098-178e-439a-8bc0-e723b1d82b6b_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of Stockholders' Equity [Abstract]</link:label>
    <link:label id="lab_us-gaap_StatementOfStockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Stockholders' Equity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract" xlink:to="lab_us-gaap_StatementOfStockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable_273341ee-8933-4d34-9c1d-106a9a8fa5a1_terseLabel_en-US" xlink:label="lab_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal deferred for state receivable</link:label>
    <link:label id="lab_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable_label_en-US" xlink:label="lab_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Federal Deferred for State Receivable</link:label>
    <link:label id="lab_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable_documentation_en-US" xlink:label="lab_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Federal Deferred for State Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable" xlink:href="slm-20241231.xsd#slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable" xlink:to="lab_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NumberOfCounterparties_519eb728-b7a2-4d68-aaf7-9f8ccb66a525_terseLabel_en-US" xlink:label="lab_slm_NumberOfCounterparties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of central counterparties</link:label>
    <link:label id="lab_slm_NumberOfCounterparties_label_en-US" xlink:label="lab_slm_NumberOfCounterparties" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Counterparties</link:label>
    <link:label id="lab_slm_NumberOfCounterparties_documentation_en-US" xlink:label="lab_slm_NumberOfCounterparties" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Counterparties</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NumberOfCounterparties" xlink:href="slm-20241231.xsd#slm_NumberOfCounterparties"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NumberOfCounterparties" xlink:to="lab_slm_NumberOfCounterparties" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReceivablesAbstract_b783dcb2-5467-4670-9b4d-74696194beaa_terseLabel_en-US" xlink:label="lab_us-gaap_ReceivablesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_Maturity2026Member_6d76b75d-0337-40b6-b36d-b384a94d6af4_terseLabel_en-US" xlink:label="lab_slm_Maturity2026Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">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" 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" xml:lang="en-US">Maturity 2026</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2026Member" xlink:href="slm-20241231.xsd#slm_Maturity2026Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2026Member" xlink:to="lab_slm_Maturity2026Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendsPreferredStockCash_767e8333-ca75-44f7-9f7e-a8ebffa65bce_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DividendsPreferredStockCash" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_0a342304-212d-4746-93f8-e13d451f8664_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross Unrealized Gains</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Gain, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:to="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock_ef780c5b-563d-4c38-a153-4ecd7a77090b_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Subsequent Default</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Subsequent Default [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock" xlink:to="lab_us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InformationTechnologyAndDataProcessing_cf844cdb-f7f5-495a-a7ee-c0ecc8d08f20_terseLabel_en-US" xlink:label="lab_us-gaap_InformationTechnologyAndDataProcessing" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Technology expenses</link:label>
    <link:label id="lab_us-gaap_InformationTechnologyAndDataProcessing_label_en-US" xlink:label="lab_us-gaap_InformationTechnologyAndDataProcessing" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Information Technology and Data Processing</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InformationTechnologyAndDataProcessing" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InformationTechnologyAndDataProcessing"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InformationTechnologyAndDataProcessing" xlink:to="lab_us-gaap_InformationTechnologyAndDataProcessing" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetIncreaseDecreaseinUpfrontLoanFees_4c2627c9-c3ac-47d6-99db-cc348b26d478_terseLabel_en-US" xlink:label="lab_slm_NetIncreaseDecreaseinUpfrontLoanFees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fees paid on 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" 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" 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-20241231.xsd#slm_NetIncreaseDecreaseinUpfrontLoanFees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NetIncreaseDecreaseinUpfrontLoanFees" xlink:to="lab_slm_NetIncreaseDecreaseinUpfrontLoanFees" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear_9f5b8d1d-3499-49a0-8de4-ed8dfcf9f868_terseLabel_en-US" xlink:label="lab_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts_bc304f7a-c28d-4ae2-9165-2c6a04d746be_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transaction costs</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisition, Transaction Costs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xlink:to="lab_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne_52d1df6a-142c-424d-b3cb-5dbe6b796bab_terseLabel_en-US" xlink:label="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" xlink:to="lab_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_2ffc802f-68fb-4ca9-aa4e-d545bde58c7b_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_98c4d234-c673-4d5c-bdce-3ef1cdb720d2_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated Four Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration_7adbb9d0-ca46-4994-b9c9-353ac9960971_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Cash Flows [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration_label_en-US" xlink:label="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Cash Flows [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration" xlink:to="lab_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByLiabilityClassAxis_f2e26af5-dcaf-4d4c-8830-13ff6bf0d2a6_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liability Class [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByLiabilityClassAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liability Class [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis" xlink:to="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_fcd9494c-6242-441f-b037-1d3e89f00bd7_terseLabel_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated Three Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated Three Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageofLoansconcentratedinmajorstates_50581879-5eb7-4bbc-966e-9aedd4ca0b92_terseLabel_en-US" xlink:label="lab_slm_PercentageofLoansconcentratedinmajorstates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of loans concentrated in major states</link:label>
    <link:label id="lab_slm_PercentageofLoansconcentratedinmajorstates_184b5804-69a9-45cd-b8e1-3e8484a4d50c_totalLabel_en-US" xlink:label="lab_slm_PercentageofLoansconcentratedinmajorstates" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Percentage of Loans concentrated in major states</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofLoansconcentratedinmajorstates" xlink:href="slm-20241231.xsd#slm_PercentageofLoansconcentratedinmajorstates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageofLoansconcentratedinmajorstates" xlink:to="lab_slm_PercentageofLoansconcentratedinmajorstates" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest_9a1c9f12-cf6e-42dd-b87c-c563c24c0cc5_terseLabel_en-US" xlink:label="lab_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_a352abae-94e0-4abb-a834-075ef01fdc00_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected volatility</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Volatility Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_1788233a-ca4c-4c2c-b46a-bb5c6d13d7ac_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Net position</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_label_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Including Not Subject to Master Netting Arrangement, after Offset and Deduction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:to="lab_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ValuationTechniqueAxis_30b91e59-af40-4f68-b1b6-5ebb1de53ae7_terseLabel_en-US" xlink:label="lab_us-gaap_ValuationTechniqueAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation Approach and Technique [Axis]</link:label>
    <link:label id="lab_us-gaap_ValuationTechniqueAxis_label_en-US" xlink:label="lab_us-gaap_ValuationTechniqueAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation Approach and Technique [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ValuationTechniqueAxis" xlink:to="lab_us-gaap_ValuationTechniqueAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_BrokeredDepositsMember_c8b62505-dfcf-4cbe-9357-1d4f79d06c8d_terseLabel_en-US" xlink:label="lab_slm_BrokeredDepositsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brokered CDs</link:label>
    <link:label id="lab_slm_BrokeredDepositsMember_label_en-US" xlink:label="lab_slm_BrokeredDepositsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brokered Deposits [Member]</link:label>
    <link:label id="lab_slm_BrokeredDepositsMember_documentation_en-US" xlink:label="lab_slm_BrokeredDepositsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Brokered Deposits [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BrokeredDepositsMember" xlink:href="slm-20241231.xsd#slm_BrokeredDepositsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_BrokeredDepositsMember" xlink:to="lab_slm_BrokeredDepositsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_f0ae8f4d-a083-498d-8651-e9ebd918cb8f_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of government sponsored securities with unrealized losses</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CumulativeEffectPeriodOfAdoptionDomain_b2b1fbf0-1aa7-4737-bdf3-f22b835d1693_terseLabel_en-US" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cumulative Effect, Period of Adoption [Domain]</link:label>
    <link:label id="lab_srt_CumulativeEffectPeriodOfAdoptionDomain_label_en-US" xlink:label="lab_srt_CumulativeEffectPeriodOfAdoptionDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cumulative Effect, Period of Adoption [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionDomain" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CumulativeEffectPeriodOfAdoptionDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionDomain" xlink:to="lab_srt_CumulativeEffectPeriodOfAdoptionDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_8f7e1a06-a67c-4bbb-adcf-dbeb7fd40ce5_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vesting period</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Award Requisite Service Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_5bad6459-7592-41ae-8f67-3c7a34b61cbd_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Increase in other assets</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_e07bbf7c-9ce3-41bc-a097-f8bab45b751a_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses_b688bd19-64bc-40c9-8df8-e071d00d0375_terseLabel_en-US" xlink:label="lab_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest receivable expected to be capitalized reserved</link:label>
    <link:label id="lab_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses_label_en-US" xlink:label="lab_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued Interest Receivable Expected To Be Capitalized Reserved Allowance For Credit Losses</link:label>
    <link:label id="lab_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses_documentation_en-US" xlink:label="lab_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accrued Interest Receivable Expected To Be Capitalized Reserved Allowance For Credit Losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses" xlink:to="lab_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_16cdf9a0-1929-4bbd-abd6-097de03c49cf_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal</link:label>
    <link:label id="lab_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Federal Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FixedIncomeInterestRateMember_ba1f2238-14b7-4105-8fd8-63ea0328d8d3_verboseLabel_en-US" xlink:label="lab_us-gaap_FixedIncomeInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fixed-rate</link:label>
    <link:label id="lab_us-gaap_FixedIncomeInterestRateMember_7b1ba45c-c61c-4754-8046-b2f8abaffc31_terseLabel_en-US" xlink:label="lab_us-gaap_FixedIncomeInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed-rate</link:label>
    <link:label id="lab_us-gaap_FixedIncomeInterestRateMember_label_en-US" xlink:label="lab_us-gaap_FixedIncomeInterestRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fixed Income Interest Rate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInterestRateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FixedIncomeInterestRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FixedIncomeInterestRateMember" xlink:to="lab_us-gaap_FixedIncomeInterestRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ShareRepurchaseProgramDomain_fa8eb8d0-a285-4beb-927c-c5d0ee9a81dc_terseLabel_en-US" xlink:label="lab_srt_ShareRepurchaseProgramDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share Repurchase Program [Domain]</link:label>
    <link:label id="lab_srt_ShareRepurchaseProgramDomain_label_en-US" xlink:label="lab_srt_ShareRepurchaseProgramDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Repurchase Program [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramDomain" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ShareRepurchaseProgramDomain" xlink:to="lab_srt_ShareRepurchaseProgramDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock_8d8444f6-8047-4165-b2df-48413cbfba71_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_RiskBasedRatiosAbstract_c8cb9d89-7298-4155-812b-21f3c4854c25_terseLabel_en-US" xlink:label="lab_us-gaap_RiskBasedRatiosAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Banking Regulation, Risk-Based Information [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RiskBasedRatiosAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RiskBasedRatiosAbstract"/>
    <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_ImpairmentOfIntangibleAssetsFinitelived_5fec8c91-c9db-4c69-8e67-b03d99f91915_terseLabel_en-US" xlink:label="lab_us-gaap_ImpairmentOfIntangibleAssetsFinitelived" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment of intangible assets</link:label>
    <link:label id="lab_us-gaap_ImpairmentOfIntangibleAssetsFinitelived_label_en-US" xlink:label="lab_us-gaap_ImpairmentOfIntangibleAssetsFinitelived" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment of Intangible Assets, Finite-Lived</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfIntangibleAssetsFinitelived" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ImpairmentOfIntangibleAssetsFinitelived"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairmentOfIntangibleAssetsFinitelived" xlink:to="lab_us-gaap_ImpairmentOfIntangibleAssetsFinitelived" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_4bde4710-a737-4b7f-98ac-7c777f0d088c_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sales and maturities of available-for-sale securities</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale and Maturity of Debt Securities, Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:to="lab_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Lendablevalueofcollateral_1c5353c7-8379-415f-ae7c-160c790d50ec_terseLabel_en-US" xlink:label="lab_slm_Lendablevalueofcollateral" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lendable value of collateral</link:label>
    <link:label id="lab_slm_Lendablevalueofcollateral_label_en-US" xlink:label="lab_slm_Lendablevalueofcollateral" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lendable value of collateral</link:label>
    <link:label id="lab_slm_Lendablevalueofcollateral_documentation_en-US" xlink:label="lab_slm_Lendablevalueofcollateral" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Lendable value of collateral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Lendablevalueofcollateral" xlink:href="slm-20241231.xsd#slm_Lendablevalueofcollateral"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Lendablevalueofcollateral" xlink:to="lab_slm_Lendablevalueofcollateral" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_4ae1d292-932d-42b4-ab67-284f7f742099_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments, Contingencies and Guarantees</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CashAndInvestmentsInterestIncomeLoss_bb8c2569-b06c-4ed3-b9bb-952bddd93c07_terseLabel_en-US" xlink:label="lab_slm_CashAndInvestmentsInterestIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:label id="lab_slm_CashAndInvestmentsInterestIncomeLoss_label_en-US" xlink:label="lab_slm_CashAndInvestmentsInterestIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash And Investments Interest Income Loss</link:label>
    <link:label id="lab_slm_CashAndInvestmentsInterestIncomeLoss_documentation_en-US" xlink:label="lab_slm_CashAndInvestmentsInterestIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash and investments interest income (loss).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CashAndInvestmentsInterestIncomeLoss" xlink:href="slm-20241231.xsd#slm_CashAndInvestmentsInterestIncomeLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CashAndInvestmentsInterestIncomeLoss" xlink:to="lab_slm_CashAndInvestmentsInterestIncomeLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MeasureAxis_terseLabel_en-US" xlink:label="lab_ecd_MeasureAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measure:</link:label>
    <link:label id="lab_ecd_MeasureAxis_label_en-US" xlink:label="lab_ecd_MeasureAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measure [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MeasureAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MeasureAxis" xlink:to="lab_ecd_MeasureAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions_824f11c5-9f1f-4362-8499-fb6ab038d079_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increases resulting from tax positions taken during the current period</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Increase Resulting from Current Period Tax Positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_0617b3da-b2c8-42e7-9f8d-fb015cf70463_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset Class [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Class [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharePrice_23953266-6ed1-431e-8652-495bd89e614f_terseLabel_en-US" xlink:label="lab_us-gaap_SharePrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share price (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_SharePrice_label_en-US" xlink:label="lab_us-gaap_SharePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharePrice" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharePrice" xlink:to="lab_us-gaap_SharePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentsAbstract_1158b376-258b-4d90-8c3f-4002bdf8c21f_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsAbstract" xlink:to="lab_us-gaap_InvestmentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockSharesAuthorized_9b1f4003-045c-4e3e-bc7e-7df00103a499_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesAuthorized" xlink:to="lab_us-gaap_PreferredStockSharesAuthorized" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues_17e6a55d-e520-4bd1-b944-9d433a039108_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance of common shares (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" 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/2024/elts/us-gaap-2024.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_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_50538d28-1230-4d37-83e2-8ac43ba2681f_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Granted (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Net of Forfeitures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_d89bf867-d83e-4e39-8e1f-7991fbad5c5c_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.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_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear_d33c5f65-42d5-4b23-9c9f-fac2034bc6f6_terseLabel_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 5</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated Four Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated Four Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtDefaultLongtermDebtAbstract_4b2daf19-a827-4221-819a-f781e81e4d77_terseLabel_en-US" xlink:label="lab_us-gaap_DebtDefaultLongtermDebtAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDefaultLongtermDebtAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtDefaultLongtermDebtAbstract" xlink:to="lab_us-gaap_DebtDefaultLongtermDebtAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_bf2596cb-c0a3-4277-8fd1-9c2cbe89f350_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stated maturity, 2029</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansPledgedAsCollateralCapitalizedInterest_842e8af4-77af-4787-a25b-671d861dc23a_terseLabel_en-US" xlink:label="lab_slm_LoansPledgedAsCollateralCapitalizedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.xsd#slm_LoansPledgedAsCollateralCapitalizedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansPledgedAsCollateralCapitalizedInterest" xlink:to="lab_slm_LoansPledgedAsCollateralCapitalizedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_365a7902-8f26-48a2-a038-723476387589_verboseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" 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" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated Three Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated Three Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonGaapMeasureDescriptionTextBlock_terseLabel_en-US" xlink:label="lab_ecd_NonGaapMeasureDescriptionTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-GAAP Measure Description</link:label>
    <link:label id="lab_ecd_NonGaapMeasureDescriptionTextBlock_label_en-US" xlink:label="lab_ecd_NonGaapMeasureDescriptionTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-GAAP Measure Description [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonGaapMeasureDescriptionTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:to="lab_ecd_NonGaapMeasureDescriptionTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestRateBelowMarketReductionMember_64e11d72-a660-4f53-aff4-109252b7dd87_terseLabel_en-US" xlink:label="lab_us-gaap_InterestRateBelowMarketReductionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Rate Reduction</link:label>
    <link:label id="lab_us-gaap_InterestRateBelowMarketReductionMember_label_en-US" xlink:label="lab_us-gaap_InterestRateBelowMarketReductionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Below Market Reduction [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateBelowMarketReductionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestRateBelowMarketReductionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestRateBelowMarketReductionMember" xlink:to="lab_us-gaap_InterestRateBelowMarketReductionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2045Member_f5ac03c3-d71c-412a-8e5a-4b8384a20a77_terseLabel_en-US" xlink:label="lab_slm_Maturity2045Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2045</link:label>
    <link:label id="lab_slm_Maturity2045Member_label_en-US" xlink:label="lab_slm_Maturity2045Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity 2045 [Member]</link:label>
    <link:label id="lab_slm_Maturity2045Member_documentation_en-US" xlink:label="lab_slm_Maturity2045Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maturity 2045 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2045Member" xlink:href="slm-20241231.xsd#slm_Maturity2045Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2045Member" xlink:to="lab_slm_Maturity2045Member" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_e9521d19-0d00-4a64-9b55-d453e6f435d6_terseLabel_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 6</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Five Or More Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Five Or More Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AmortizationofBrokeredDepositPlacement_0d86abbc-0990-46b6-be22-2dfc3e0670b7_terseLabel_en-US" xlink:label="lab_slm_AmortizationofBrokeredDepositPlacement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization of brokered deposit placement fee</link:label>
    <link:label id="lab_slm_AmortizationofBrokeredDepositPlacement_label_en-US" xlink:label="lab_slm_AmortizationofBrokeredDepositPlacement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of Brokered Deposit Placement</link:label>
    <link:label id="lab_slm_AmortizationofBrokeredDepositPlacement_documentation_en-US" xlink:label="lab_slm_AmortizationofBrokeredDepositPlacement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">amortization of brokered deposit placement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationofBrokeredDepositPlacement" xlink:href="slm-20241231.xsd#slm_AmortizationofBrokeredDepositPlacement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AmortizationofBrokeredDepositPlacement" xlink:to="lab_slm_AmortizationofBrokeredDepositPlacement" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeniorUnsecuredNotesDueOctober292025Member_1ece46b0-7aeb-4e86-8732-87c755945e73_terseLabel_en-US" xlink:label="lab_slm_SeniorUnsecuredNotesDueOctober292025Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior Unsecured Notes Due October 29, 2025</link:label>
    <link:label id="lab_slm_SeniorUnsecuredNotesDueOctober292025Member_label_en-US" xlink:label="lab_slm_SeniorUnsecuredNotesDueOctober292025Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Unsecured Notes Due October 29, 2025 [Member]</link:label>
    <link:label id="lab_slm_SeniorUnsecuredNotesDueOctober292025Member_documentation_en-US" xlink:label="lab_slm_SeniorUnsecuredNotesDueOctober292025Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Senior Unsecured Notes Due October 29, 2025</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueOctober292025Member" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueOctober292025Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeniorUnsecuredNotesDueOctober292025Member" xlink:to="lab_slm_SeniorUnsecuredNotesDueOctober292025Member" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear_add992f0-a284-4928-b589-4a4284e9820c_terseLabel_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 2</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated In Fiscal Year Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquityComponentDomain_0707aeec-05b9-47e7-9740-63380e5ddcd8_terseLabel_en-US" xlink:label="lab_us-gaap_EquityComponentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Component [Domain]</link:label>
    <link:label id="lab_us-gaap_EquityComponentDomain_label_en-US" xlink:label="lab_us-gaap_EquityComponentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Component [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityComponentDomain" xlink:to="lab_us-gaap_EquityComponentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockParOrStatedValuePerShare_03c4e561-b347-45ac-ab2d-42df8eb6e950_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, par or 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" xml:lang="en-US">Preferred Stock, Par or Stated Value Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:to="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_a847784d-3ed5-490f-b3c1-3da6a7fffbf3_terseLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reconciliation of the Consolidated Statements of Cash Flows to the Consolidated Balance Sheets:</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_bcb5727f-fb66-406e-a93d-2c545de1974d_totalLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net interest income after provisions for credit losses</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_label_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), after Provision for Loan Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperating_6ebcf915-d9cb-4ea7-8269-dd171355262e_totalLabel_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total interest income</link:label>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperating_fefd5be2-53fe-41fd-b469-789bb184174e_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperating_label_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Dividend Income, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating" xlink:to="lab_us-gaap_InterestAndDividendIncomeOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_UnfundedCommitmentsAbstract_a246fb53-202c-4186-9f82-73ec0b847a36_terseLabel_en-US" xlink:label="lab_slm_UnfundedCommitmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unfunded Commitments</link:label>
    <link:label id="lab_slm_UnfundedCommitmentsAbstract_label_en-US" xlink:label="lab_slm_UnfundedCommitmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unfunded Commitments [Abstract]</link:label>
    <link:label id="lab_slm_UnfundedCommitmentsAbstract_documentation_en-US" xlink:label="lab_slm_UnfundedCommitmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unfunded Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_UnfundedCommitmentsAbstract" xlink:href="slm-20241231.xsd#slm_UnfundedCommitmentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_UnfundedCommitmentsAbstract" xlink:to="lab_slm_UnfundedCommitmentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_Additional402vDisclosureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_Additional402vDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional 402(v) Disclosure</link:label>
    <link:label id="lab_ecd_Additional402vDisclosureTextBlock_label_en-US" xlink:label="lab_ecd_Additional402vDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional 402(v) Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Additional402vDisclosureTextBlock" xlink:to="lab_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityShellCompany_f312a9a6-b53b-4e15-b301-e6af57db3150_terseLabel_en-US" xlink:label="lab_dei_EntityShellCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Shell Company</link:label>
    <link:label id="lab_dei_EntityShellCompany_label_en-US" xlink:label="lab_dei_EntityShellCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Shell Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityShellCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityShellCompany" xlink:to="lab_dei_EntityShellCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_b587dfd9-b92c-4e7a-8ddc-b04dd3a2bad7_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_label_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember_91744159-278a-4575-ae83-73135ea719c9_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan delinquent 30-59 days</link:label>
    <link:label id="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember_545b7e4f-0ef1-4b83-9b25-ae412ee19531_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">30-59 Days Past Due</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" xml:lang="en-US">Financial Asset, 30 to 59 Days Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:to="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_OtherIncomePolicyPolicyTextBlock_fee4fe77-45b7-47ec-bbba-280c74d31974_terseLabel_en-US" xlink:label="lab_slm_OtherIncomePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Income</link:label>
    <link:label id="lab_slm_OtherIncomePolicyPolicyTextBlock_label_en-US" xlink:label="lab_slm_OtherIncomePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Income Policy [Policy Text Block]</link:label>
    <link:label id="lab_slm_OtherIncomePolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_slm_OtherIncomePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OtherIncomePolicyPolicyTextBlock" xlink:href="slm-20241231.xsd#slm_OtherIncomePolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_OtherIncomePolicyPolicyTextBlock" xlink:to="lab_slm_OtherIncomePolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementTable_01deea6b-08cf-4a76-a8a5-eafc1180f0b4_terseLabel_en-US" xlink:label="lab_us-gaap_StatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement [Table]</link:label>
    <link:label id="lab_us-gaap_StatementTable_label_en-US" xlink:label="lab_us-gaap_StatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementTable" xlink:to="lab_us-gaap_StatementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TaxesPayableCurrentAndNoncurrent_a1b8b91b-c929-4b6c-9d69-bc41722930bd_verboseLabel_en-US" xlink:label="lab_us-gaap_TaxesPayableCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Income taxes payable, net</link:label>
    <link:label id="lab_us-gaap_TaxesPayableCurrentAndNoncurrent_label_en-US" xlink:label="lab_us-gaap_TaxesPayableCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Taxes Payable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TaxesPayableCurrentAndNoncurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TaxesPayableCurrentAndNoncurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TaxesPayableCurrentAndNoncurrent" xlink:to="lab_us-gaap_TaxesPayableCurrentAndNoncurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementFrequencyDomain_30565d28-c80c-4c90-afcf-a81f3fb7dc89_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementFrequencyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Frequency [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementFrequencyDomain_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementFrequencyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Frequency [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain" xlink:to="lab_us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SignificantAccountingPoliciesTextBlock_0f2e0c38-efed-475f-af77-ade685b04724_terseLabel_en-US" xlink:label="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Significant Accounting Policies</link:label>
    <link:label id="lab_us-gaap_SignificantAccountingPoliciesTextBlock_label_en-US" xlink:label="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Significant Accounting Policies [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SignificantAccountingPoliciesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LongTermDebtWeightedAverageOutstandingBalance_56407d46-3292-4ef4-aae3-2cf7a74bf4a4_terseLabel_en-US" xlink:label="lab_slm_LongTermDebtWeightedAverageOutstandingBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average Balance</link:label>
    <link:label id="lab_slm_LongTermDebtWeightedAverageOutstandingBalance_label_en-US" xlink:label="lab_slm_LongTermDebtWeightedAverageOutstandingBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long Term Debt, Weighted Average Outstanding Balance</link:label>
    <link:label id="lab_slm_LongTermDebtWeightedAverageOutstandingBalance_documentation_en-US" xlink:label="lab_slm_LongTermDebtWeightedAverageOutstandingBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Long Term Debt, Weighted Average Outstanding Balance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LongTermDebtWeightedAverageOutstandingBalance" xlink:href="slm-20241231.xsd#slm_LongTermDebtWeightedAverageOutstandingBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LongTermDebtWeightedAverageOutstandingBalance" xlink:to="lab_slm_LongTermDebtWeightedAverageOutstandingBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositsByMaturityAbstract_8c7e84d1-31d5-4601-9ae2-6c446c42be85_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositsByMaturityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositsByMaturityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositsByMaturityAbstract" xlink:to="lab_us-gaap_TimeDepositsByMaturityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_7125a1d3-8ab3-46cb-9ef5-249148bf453a_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Variable Interest Entities</link:label>
    <link:label id="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Variable Interest Entities [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:to="lab_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear_512a7328-3ec0-4103-9503-3c1e107fb7c6_terseLabel_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 5</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Four Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Four Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_8e07616d-6699-4f3a-a65c-50c2010dcda4_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Settlements</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_BorrowingsCollateralizedByLoansInTrustIssued_7e0c569a-8b84-432c-8831-8d43069add4e_terseLabel_en-US" xlink:label="lab_slm_BorrowingsCollateralizedByLoansInTrustIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" 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-20241231.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_IncreaseDecreaseInOperatingAssetsAbstract_02218b16-009c-44de-a3b3-075be1e52de1_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in operating assets and liabilities:</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Operating Assets [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOperatingAssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract" xlink:to="lab_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestPaidNet_68d573c1-5bdb-48a1-9424-53507603939e_terseLabel_en-US" xlink:label="lab_us-gaap_InterestPaidNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Interest Paid, Excluding Capitalized Interest, Operating Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestPaidNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestPaidNet" xlink:to="lab_us-gaap_InterestPaidNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel1Member_f577a64f-3491-4c06-ac97-1d8d49c44980_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_exch_XCME_b15d05a4-55b5-44d3-ba42-b362627e1ef7_terseLabel_en-US" xlink:label="lab_exch_XCME" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CME</link:label>
    <link:label id="lab_exch_XCME_label_en-US" xlink:label="lab_exch_XCME" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">CHICAGO MERCANTILE EXCHANGE [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_exch_XCME" xlink:href="https://xbrl.sec.gov/exch/2024/exch-2024.xsd#exch_XCME"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_exch_XCME" xlink:to="lab_exch_XCME" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_a69fcd48-ef08-4eaa-8eee-e274b53c562e_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year 2</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LondonClearingHouseMember_9dd64d14-fe32-46c9-a4c4-4ec7d6e405b4_terseLabel_en-US" xlink:label="lab_slm_LondonClearingHouseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">London Clearing House [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LondonClearingHouseMember" xlink:href="slm-20241231.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_us-gaap_StatementOfCashFlowsAbstract_0d2858ef-4fcb-441c-969b-1ad4063fa926_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:to="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoncashInvestingAndFinancingItemsAbstract_0e896a13-a210-41a9-a7b1-759cb0cba6f2_verboseLabel_en-US" xlink:label="lab_us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Supplemental non-cash operating and investing activities:</link:label>
    <link:label id="lab_us-gaap_NoncashInvestingAndFinancingItemsAbstract_label_en-US" xlink:label="lab_us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noncash Investing and Financing Items [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoncashInvestingAndFinancingItemsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:to="lab_us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_87a1013e-e1ba-4274-abe8-61c7b2247697_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exercisable (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2047Member_050334bc-2948-4e29-82e3-996e9a57d8a5_terseLabel_en-US" xlink:label="lab_slm_Maturity2047Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">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" 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" xml:lang="en-US">Maturity 2047 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2047Member" xlink:href="slm-20241231.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_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense_7fa67004-b713-45ff-960e-756c289bd78b_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest on income tax expense net of related tax benefit</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Interest on Income Taxes Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_fd9650b9-5601-4d22-ae72-37997b6e832c_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stated maturity, 2027</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_44be5b6b-7bb7-49df-8248-0ae7f47d6e62_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, excluding accrued interest, modified in period, to total financing receivables, percentage</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" xlink:to="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_40d026e8-05fe-4042-aa61-483deb7a4da0_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earning assets:</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:to="lab_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentTable_92ae73cd-5761-4b07-b9c3-5c15d3bc77f6_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Long-term Debt Instruments [Table]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentTable_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Long-Term Debt Instruments [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentTable" xlink:to="lab_us-gaap_DebtInstrumentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapital_d19d8a1e-bc60-457c-8a0c-cf49fecbbea1_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 1 Capital (to Risk-Weighted Assets)</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapital_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneRiskBasedCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapital" xlink:to="lab_us-gaap_TierOneRiskBasedCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_4ad4558d-a2fb-4516-a566-3cd9e9bd8219_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments for New Accounting Pronouncements [Axis]</link:label>
    <link:label id="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_label_en-US" xlink:label="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Standards Update [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:to="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearOne_9bce4bb4-788e-4a80-becb-72b7aaa105ce_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearOne" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_RetainedInterestMember_703863fd-3c1e-4aea-81f5-bc5150f54058_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedInterestMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading - Residual Interests</link:label>
    <link:label id="lab_us-gaap_RetainedInterestMember_label_en-US" xlink:label="lab_us-gaap_RetainedInterestMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Interest [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedInterestMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedInterestMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedInterestMember" xlink:to="lab_us-gaap_RetainedInterestMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_4d4f04b6-193e-4443-85eb-ebcdda6a7da9_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Identifiable intangible assets at acquisition date included definite life intangible assets</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Intangible Assets, Other than Goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_30cd323a-6ba8-4b2c-b08c-60bd4c8cd15c_verboseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Weighted average fair value of stock purchase rights (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityWellKnownSeasonedIssuer_08e081be-4bdc-4e16-9a49-e5b43cd221bd_terseLabel_en-US" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/dei-2024.xsd#dei_EntityWellKnownSeasonedIssuer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityWellKnownSeasonedIssuer" xlink:to="lab_dei_EntityWellKnownSeasonedIssuer" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock_ba5c8370-4ca3-4970-ba28-880120e64b7b_terseLabel_en-US" xlink:label="lab_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Allowance For Private Education Loan Losses Policy [Policy Text Block]</link:label>
    <link:label id="lab_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Allowance for private education loan losses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock" xlink:href="slm-20241231.xsd#slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock" xlink:to="lab_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureTextBlock_a8014050-dc0e-48d0-b5aa-44a7b1d380fb_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxDisclosureTextBlock" xlink:to="lab_us-gaap_IncomeTaxDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent_09cbcb0b-1094-4d4e-8c7b-a7744a8ae0b0_terseLabel_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Seasoning based on monthly scheduled payments due from 1-12 payments</link:label>
    <link:label id="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent_label_en-US" xlink:label="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Seasoning Based On Monthly Scheduled Payments Due From One To Twelve Payments In Percent</link:label>
    <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" xml:lang="en-US">Seasoning based on monthly scheduled payments due from one to twelve payments in percent.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" xlink:to="lab_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Type1ofDefinedContributionPlan_b141fa9a-1286-476a-92e6-154a5ebd691d_terseLabel_en-US" xlink:label="lab_slm_Type1ofDefinedContributionPlan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Type 1 of defined benefit contribution (up to)</link:label>
    <link:label id="lab_slm_Type1ofDefinedContributionPlan_label_en-US" xlink:label="lab_slm_Type1ofDefinedContributionPlan" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Type 1 of Defined Contribution Plan</link:label>
    <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" xml:lang="en-US">Type 1 of Defined Contribution Plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Type1ofDefinedContributionPlan" xlink:href="slm-20241231.xsd#slm_Type1ofDefinedContributionPlan"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Type1ofDefinedContributionPlan" xlink:to="lab_slm_Type1ofDefinedContributionPlan" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ValuationTechniqueDiscountedCashFlowMember_fc2bd7d6-a346-4d05-8b4a-6085dca69815_terseLabel_en-US" xlink:label="lab_us-gaap_ValuationTechniqueDiscountedCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation Technique, Discounted Cash Flow</link:label>
    <link:label id="lab_us-gaap_ValuationTechniqueDiscountedCashFlowMember_label_en-US" xlink:label="lab_us-gaap_ValuationTechniqueDiscountedCashFlowMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation Technique, Discounted Cash Flow [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueDiscountedCashFlowMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember" xlink:to="lab_us-gaap_ValuationTechniqueDiscountedCashFlowMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_668bdc82-58aa-409c-ba7b-40d18d1cc299_terseLabel_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Abstract]</link:label>
    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_label_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:to="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_422a0909-b771-4fdc-8690-0c23537d1c11_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Included in other comprehensive income</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Other Comprehensive Income (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy_7f1fbcba-0d27-4a8f-b9d9-b9dfb824a21e_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Investments</link:label>
    <link:label id="lab_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy_label_en-US" xlink:label="lab_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securities Owned Not Readily Marketable, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy" xlink:to="lab_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_3a5cc8bb-c6a3-4bc7-8948-726add1dbd75_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by (used in) financing activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.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_LongTermDebtFairValue_57debc40-861b-43f1-97ab-6eddd060e76e_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_dei_EntityRegistrantName_8e44c405-60a1-4578-8fdd-71dcf8f8ae8d_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityRegistrantName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToNonPeoNeoCompFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Non-PEO NEO Compensation Footnote</link:label>
    <link:label id="lab_ecd_AdjToNonPeoNeoCompFnTextBlock_label_en-US" xlink:label="lab_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Non-PEO NEO Compensation Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:to="lab_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_67337638-69a4-4c36-a4b4-78a9efb483a3_terseLabel_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Axis]</link:label>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_label_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:to="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2044Member_e42f1f3e-b915-4a44-82ab-360d91dc801d_terseLabel_en-US" xlink:label="lab_slm_Maturity2044Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2044</link:label>
    <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" 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" xml:lang="en-US">Maturity 2044 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2044Member" xlink:href="slm-20241231.xsd#slm_Maturity2044Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2044Member" xlink:to="lab_slm_Maturity2044Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_faa12fc4-af88-4efa-b3e0-2e6ec7ec4f0d_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">State</link:label>
    <link:label id="lab_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred State and Local Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardGrantDateFairValue_terseLabel_en-US" xlink:label="lab_ecd_AwardGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value as of Grant Date</link:label>
    <link:label id="lab_ecd_AwardGrantDateFairValue_label_en-US" xlink:label="lab_ecd_AwardGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardGrantDateFairValue" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardGrantDateFairValue" xlink:to="lab_ecd_AwardGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel2Member_e9a6d79b-6644-46e8-aa3a-3b5703be3d32_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level&#160;2&#160;</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel2Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 2 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel2Member" xlink:to="lab_us-gaap_FairValueInputsLevel2Member" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_20559343-4a1f-4a7f-99fd-4be012d044ab_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current period recoveries, Year 3</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated Two Years Before Current Fiscal Year</link:label>
    <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" 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-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_SegmentGeographicalDomain_350e22b0-f7ed-4f68-ad51-406bc413934a_terseLabel_en-US" xlink:label="lab_srt_SegmentGeographicalDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/srt-2024.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_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear_3300abd5-ee79-4991-94e6-65d78a31555f_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Financing Receivable, Allowance For Credit Loss, Originated Fiscal Year Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues_0df3b649-abe0-4db7-86c7-38271b09fcb5_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_ba3db398-92c1-4883-a5b3-1785b8bfdfcd_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans in forbearance, Year 2</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Year Two, Originated, Fiscal Year before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Year Two, Originated, Fiscal Year before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConsolidationPolicyTextBlock_e017f39d-3239-4c4b-9b6b-a2f579a6fbf8_terseLabel_en-US" xlink:label="lab_us-gaap_ConsolidationPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidation</link:label>
    <link:label id="lab_us-gaap_ConsolidationPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_ConsolidationPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConsolidationPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConsolidationPolicyTextBlock" xlink:to="lab_us-gaap_ConsolidationPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDateAxis_terseLabel_en-US" xlink:label="lab_ecd_RestatementDateAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement Determination Date:</link:label>
    <link:label id="lab_ecd_RestatementDateAxis_label_en-US" xlink:label="lab_ecd_RestatementDateAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Determination Date [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RestatementDateAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDateAxis" xlink:to="lab_ecd_RestatementDateAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_22232ac8-788c-4e0d-a4b6-4a9134169c5b_terseLabel_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 1</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated In Current Fiscal Year</link:label>
    <link:label id="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Delinquencies As Percentage Of Loans In Repayment, Originated In Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:to="lab_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_e64083e6-0220-4f22-bfe6-4347fb30f36a_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_Security12bTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockValue_406158fe-cb55-498e-b961-6fd39dfcc43d_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 440.6 million and 438.2 million shares issued, respectively</link:label>
    <link:label id="lab_us-gaap_CommonStockValue_b865cb1f-a6f9-495a-95d2-f33edda0160c_verboseLabel_en-US" xlink:label="lab_us-gaap_CommonStockValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 440.6 million and 438.2 million shares issued, respectively</link:label>
    <link:label id="lab_us-gaap_CommonStockValue_label_en-US" xlink:label="lab_us-gaap_CommonStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Value, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockValue" xlink:to="lab_us-gaap_CommonStockValue" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFinStmtErrorCorrectionFlag_30a8e6dd-b66f-44b4-8faa-4f9e226f460e_terseLabel_en-US" xlink:label="lab_dei_DocumentFinStmtErrorCorrectionFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Financial Statement Error Correction [Flag]</link:label>
    <link:label id="lab_dei_DocumentFinStmtErrorCorrectionFlag_label_en-US" xlink:label="lab_dei_DocumentFinStmtErrorCorrectionFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Financial Statement Error Correction [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFinStmtErrorCorrectionFlag" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFinStmtErrorCorrectionFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFinStmtErrorCorrectionFlag" xlink:to="lab_dei_DocumentFinStmtErrorCorrectionFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts_e10ab6ee-09ae-4d26-9864-36bf59403744_terseLabel_en-US" xlink:label="lab_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Average purchase price per share (in dollars per share)</link:label>
    <link:label id="lab_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts_label_en-US" xlink:label="lab_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock Acquired, Average Cost Per Share, Including Commission Costs</link:label>
    <link:label id="lab_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts_documentation_en-US" xlink:label="lab_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Treasury Stock Acquired, Average Cost Per Share, Including Commission Costs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" xlink:href="slm-20241231.xsd#slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" xlink:to="lab_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_a4104f5a-fcff-41d8-852f-0911dea05730_terseLabel_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_AmortizationOfAcquisitionCosts_9cb68e26-7f87-4941-9b81-5afa53357c7b_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationOfAcquisitionCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisition transaction costs, net</link:label>
    <link:label id="lab_us-gaap_AmortizationOfAcquisitionCosts_label_en-US" xlink:label="lab_us-gaap_AmortizationOfAcquisitionCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of Acquisition Costs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfAcquisitionCosts" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfAcquisitionCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationOfAcquisitionCosts" xlink:to="lab_us-gaap_AmortizationOfAcquisitionCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024CMember_9805a948-ea35-43ff-8e84-ae77d7056d51_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024CMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024-C ABS Transaction</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024CMember_label_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024CMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-C [Member]</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024CMember_documentation_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024CMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-C</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024CMember" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024CMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SMBPrivateEducationLoanTrust2024CMember" xlink:to="lab_slm_SMBPrivateEducationLoanTrust2024CMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestrictedCashAndInvestments_708fee6f-e8fa-432a-be42-07e9907fee4b_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedCashAndInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted cash</link:label>
    <link:label id="lab_us-gaap_RestrictedCashAndInvestments_ea1cde27-bcec-4be9-95dd-93c57dd3aeec_verboseLabel_en-US" xlink:label="lab_us-gaap_RestrictedCashAndInvestments" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Restricted Cash</link:label>
    <link:label id="lab_us-gaap_RestrictedCashAndInvestments_label_en-US" xlink:label="lab_us-gaap_RestrictedCashAndInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Cash and Investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndInvestments" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAndInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedCashAndInvestments" xlink:to="lab_us-gaap_RestrictedCashAndInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet_1e20fbb6-d21e-4a7e-980d-82a338185027_terseLabel_en-US" xlink:label="lab_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Student loan premiums and discounts, net</link:label>
    <link:label id="lab_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet_label_en-US" xlink:label="lab_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Student Loan Premiums and Discounts, Net</link:label>
    <link:label id="lab_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet_documentation_en-US" xlink:label="lab_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Student Loan Premiums and Discounts, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" xlink:href="slm-20241231.xsd#slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" xlink:to="lab_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalToAverageAssets_bf81c039-38b6-43e3-a952-b8abd7498593_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 1 Capital (to Average Assets)</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalToAverageAssets_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital Ratio, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:to="lab_us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear_4a6cc67e-95a2-4d7d-9375-9946a82a87a4_terseLabel_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated Three Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold_976823a5-8671-450a-9a2d-d089310c9233_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Loan sale reduction to provision</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold_5382c932-7f16-446f-b124-3608b1b2afff_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, excluding accrued interest, allowance for credit loss, loan sold</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Loan Sold</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_f304bc50-7d8a-4db9-bcb3-652fa1e6e7ba_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">State tax, net of federal benefit</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInSchoolGraceDefermentMember_6162fdea-11b1-44f7-9319-62fc53e5a57c_terseLabel_en-US" xlink:label="lab_slm_LoansInSchoolGraceDefermentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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" xml:lang="en-US">Loans In-School/Grace/Deferment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInSchoolGraceDefermentMember" xlink:href="slm-20241231.xsd#slm_LoansInSchoolGraceDefermentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInSchoolGraceDefermentMember" xlink:to="lab_slm_LoansInSchoolGraceDefermentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2043Member_12894c5c-8db9-427e-a90e-ec0be3206024_terseLabel_en-US" xlink:label="lab_slm_Maturity2043Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">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" 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" xml:lang="en-US">Maturity 2043 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2043Member" xlink:href="slm-20241231.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_ContractualInterestRateReductionMember_4f758811-8a29-4aae-9096-366b16422746_terseLabel_en-US" xlink:label="lab_us-gaap_ContractualInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Rate Reduction</link:label>
    <link:label id="lab_us-gaap_ContractualInterestRateReductionMember_label_en-US" xlink:label="lab_us-gaap_ContractualInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractual Interest Rate Reduction [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualInterestRateReductionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ContractualInterestRateReductionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ContractualInterestRateReductionMember" xlink:to="lab_us-gaap_ContractualInterestRateReductionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems_93068747-b6d0-4dca-8387-30d54deade17_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets [Line Items]</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LandAndLandImprovementsMember_0bbc82ae-3788-4d6f-ac50-ec588b70f9a2_terseLabel_en-US" xlink:label="lab_us-gaap_LandAndLandImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_914fe1db-2963-48b9-be85-b669ec9b5c89_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value by Liability Class [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_label_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value by Liability Class [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:to="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_5086355f-24c9-4ed7-a33d-e78a682743df_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_b089f9fc-e3f3-4c29-bbd6-5da58319bff3_verboseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cash flows from financing activities:</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockValue_36d8aaa8-e848-4d36-8643-463a0b8b660f_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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_PreferredStockValue_label_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" 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/2024/elts/us-gaap-2024.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_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_db9a2314-3ee7-4ea1-8f36-08e15e27e047_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Private Education Loans in forbearance, Year 5</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Year Five, Originated, Four Years before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Loans In Forbearance, Year Five, Originated, Four Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024BMember_9890ddf7-f807-40a8-966f-c066277c864f_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024BMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024-B ABS transaction</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024BMember_label_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024BMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-B [Member]</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024BMember_documentation_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024BMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-B</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024BMember" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024BMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SMBPrivateEducationLoanTrust2024BMember" xlink:to="lab_slm_SMBPrivateEducationLoanTrust2024BMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredIncomeTaxLiabilities_024cb8c4-41b2-4c8c-b2e4-811d85594fa9_totalLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total deferred tax liabilities</link:label>
    <link:label id="lab_us-gaap_DeferredIncomeTaxLiabilities_label_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Gross</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities" xlink:to="lab_us-gaap_DeferredIncomeTaxLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositTimeDeposits_b93e6e30-e424-473f-a0cc-b48a4a0cb2df_terseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Certificates of deposit</link:label>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositTimeDeposits_label_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-Bearing Domestic Deposit, Time Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDomesticDepositTimeDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:to="lab_us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ValuationTechniqueDomain_cd282107-3cb0-4405-88aa-7e305716dad2_terseLabel_en-US" xlink:label="lab_us-gaap_ValuationTechniqueDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation Approach and Technique [Domain]</link:label>
    <link:label id="lab_us-gaap_ValuationTechniqueDomain_label_en-US" xlink:label="lab_us-gaap_ValuationTechniqueDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation Approach and Technique [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ValuationTechniqueDomain" xlink:to="lab_us-gaap_ValuationTechniqueDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated_8614ee6f-3f2e-43ea-b22d-aa856e479b7a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, excluding accrued interest, modified, accumulated</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Modified, Accumulated</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareBasic_8c51862b-d352-4168-ad70-12f34f610788_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic earnings per common share (in usd per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareBasic_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareBasic" xlink:to="lab_us-gaap_EarningsPerShareBasic" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AllowanceCoverageOfChargeOffsEndingLoans_a59de604-c639-4cdb-b831-9eecdfa9e505_terseLabel_en-US" xlink:label="lab_slm_AllowanceCoverageOfChargeOffsEndingLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ending total loans, gross</link:label>
    <link:label id="lab_slm_AllowanceCoverageOfChargeOffsEndingLoans_label_en-US" xlink:label="lab_slm_AllowanceCoverageOfChargeOffsEndingLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance Coverage Of Charge Offs Ending Loans</link:label>
    <link:label id="lab_slm_AllowanceCoverageOfChargeOffsEndingLoans_documentation_en-US" xlink:label="lab_slm_AllowanceCoverageOfChargeOffsEndingLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Allowance coverage of charge-offs ending total loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceCoverageOfChargeOffsEndingLoans" xlink:href="slm-20241231.xsd#slm_AllowanceCoverageOfChargeOffsEndingLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AllowanceCoverageOfChargeOffsEndingLoans" xlink:to="lab_slm_AllowanceCoverageOfChargeOffsEndingLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgMnpiDiscTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMnpiDiscTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Disclosure</link:label>
    <link:label id="lab_ecd_AwardTmgMnpiDiscTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgMnpiDiscTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgMnpiDiscTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:to="lab_ecd_AwardTmgMnpiDiscTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ContractualObligation_83dda861-8d4d-4634-b2f8-7d11dc34c21f_terseLabel_en-US" xlink:label="lab_us-gaap_ContractualObligation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contractual obligation</link:label>
    <link:label id="lab_us-gaap_ContractualObligation_label_en-US" xlink:label="lab_us-gaap_ContractualObligation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractual Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligation" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ContractualObligation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ContractualObligation" xlink:to="lab_us-gaap_ContractualObligation" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SallieMae401kSavingsPlanMember_32a785f1-3fd0-4e3b-8f6e-01fa5e293e3e_terseLabel_en-US" xlink:label="lab_slm_SallieMae401kSavingsPlanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sallie Mae 401(k) Savings Plan</link:label>
    <link:label id="lab_slm_SallieMae401kSavingsPlanMember_label_en-US" xlink:label="lab_slm_SallieMae401kSavingsPlanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sallie Mae 401(k) Savings Plan [Member]</link:label>
    <link:label id="lab_slm_SallieMae401kSavingsPlanMember_documentation_en-US" xlink:label="lab_slm_SallieMae401kSavingsPlanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sallie Mae 401(k) Savings Plan [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SallieMae401kSavingsPlanMember" xlink:href="slm-20241231.xsd#slm_SallieMae401kSavingsPlanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SallieMae401kSavingsPlanMember" xlink:to="lab_slm_SallieMae401kSavingsPlanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod_86899b74-bf2f-49cb-bee8-9ac67dae2235_terseLabel_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expiration period</link:label>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod_label_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Expiration Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearFour_4b983544-c458-4e2f-99bc-89d4253f35a5_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesYearFour" xlink:to="lab_us-gaap_TimeDepositMaturitiesYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtPnsnAdjsSvcCstMember_terseLabel_en-US" xlink:label="lab_ecd_AggtPnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Pension Adjustments Service Cost</link:label>
    <link:label id="lab_ecd_AggtPnsnAdjsSvcCstMember_label_en-US" xlink:label="lab_ecd_AggtPnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Pension Adjustments Service Cost [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtPnsnAdjsSvcCstMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="lab_ecd_AggtPnsnAdjsSvcCstMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseShortTermBorrowings_3f089c9f-e5f2-4719-9ce5-850ecd06078c_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseShortTermBorrowings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense on short-term borrowings</link:label>
    <link:label id="lab_us-gaap_InterestExpenseShortTermBorrowings_label_en-US" xlink:label="lab_us-gaap_InterestExpenseShortTermBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Short-Term Borrowings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseShortTermBorrowings" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseShortTermBorrowings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseShortTermBorrowings" xlink:to="lab_us-gaap_InterestExpenseShortTermBorrowings" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ShareRepurchaseProgramAxis_abfb17d4-3934-4ab9-88c5-6ec4d0d86a3e_terseLabel_en-US" xlink:label="lab_srt_ShareRepurchaseProgramAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share Repurchase Program [Axis]</link:label>
    <link:label id="lab_srt_ShareRepurchaseProgramAxis_label_en-US" xlink:label="lab_srt_ShareRepurchaseProgramAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share Repurchase Program [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramAxis" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ShareRepurchaseProgramAxis" xlink:to="lab_srt_ShareRepurchaseProgramAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_54c3adb7-9262-4163-90f3-723e772d3a2a_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected amortization of 2025</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets_183198ec-5602-4c2a-9258-2dc1166a3aaf_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">(Increase) decrease 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" xml:lang="en-US">Payments for (Proceeds from) Other Interest Earning Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets" xlink:to="lab_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_21ecaf19-cf96-4e34-8bdd-f0d1acf2f1e8_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Granted (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset_b4d36ef2-93cb-4b2f-910b-297b76af9d52_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" xml:lang="en-US">Derivative Liability, Subject to Master Netting Arrangement, Asset Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.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_us-gaap_BusinessCombinationsPolicy_4a358ee4-63ae-4690-a439-e9a2f3df27fe_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationsPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combinations</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationsPolicy_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationsPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combinations Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationsPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationsPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationsPolicy" xlink:to="lab_us-gaap_BusinessCombinationsPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DebtInstrumentLoansTransferred_5f50df02-4e26-4a5a-a82f-32d244529ab2_terseLabel_en-US" xlink:label="lab_slm_DebtInstrumentLoansTransferred" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans Transferred to the Trust</link:label>
    <link:label id="lab_slm_DebtInstrumentLoansTransferred_label_en-US" xlink:label="lab_slm_DebtInstrumentLoansTransferred" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Loans Transferred</link:label>
    <link:label id="lab_slm_DebtInstrumentLoansTransferred_documentation_en-US" xlink:label="lab_slm_DebtInstrumentLoansTransferred" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Instrument, Loans Transferred</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentLoansTransferred" xlink:href="slm-20241231.xsd#slm_DebtInstrumentLoansTransferred"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DebtInstrumentLoansTransferred" xlink:to="lab_slm_DebtInstrumentLoansTransferred" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_CommonEquityTierOneRiskBasedCapital_83619267-0b17-455f-b05c-c725a452659c_terseLabel_en-US" xlink:label="lab_slm_CommonEquityTierOneRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</link:label>
    <link:label id="lab_slm_CommonEquityTierOneRiskBasedCapital_label_en-US" xlink:label="lab_slm_CommonEquityTierOneRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Equity Tier One Risk Based Capital</link:label>
    <link:label id="lab_slm_CommonEquityTierOneRiskBasedCapital_documentation_en-US" xlink:label="lab_slm_CommonEquityTierOneRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Common Equity Tier One Risk Based Capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CommonEquityTierOneRiskBasedCapital" xlink:href="slm-20241231.xsd#slm_CommonEquityTierOneRiskBasedCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_CommonEquityTierOneRiskBasedCapital" xlink:to="lab_slm_CommonEquityTierOneRiskBasedCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024DMember_613340f5-2970-4323-abfe-ac706a13e07e_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024DMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024-D ABS transaction</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024DMember_label_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024DMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-D [Member]</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024DMember_documentation_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024DMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-D</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024DMember" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024DMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SMBPrivateEducationLoanTrust2024DMember" xlink:to="lab_slm_SMBPrivateEducationLoanTrust2024DMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance_72025aa8-6a8e-4c98-b46a-f89c970b2496_terseLabel_en-US" xlink:label="lab_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of loans in repayment and forbearance, Year 1</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance_label_en-US" xlink:label="lab_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans In Forbearance As Percentage Of Loans In Repayment And Forbearance</link:label>
    <link:label id="lab_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance_documentation_en-US" xlink:label="lab_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans in forbearance as a percentage of loans in repayment and forbearance.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" xlink:to="lab_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositSavings_61b1c4c2-7a5b-4e80-a57c-46742fac6b98_terseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositSavings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Savings</link:label>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositSavings_label_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositSavings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-Bearing Domestic Deposit, Savings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositSavings" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDomesticDepositSavings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDomesticDepositSavings" xlink:to="lab_us-gaap_InterestBearingDomesticDepositSavings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_644d5c25-6be8-4a7d-a4d6-16e152357174_terseLabel_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted_76838c1d-3e6f-4879-a103-b13e41c62a99_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increments in which forbearance is granted</link:label>
    <link:label id="lab_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted_label_en-US" xlink:label="lab_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Increments In Which Forbearance Is Granted</link:label>
    <link:label id="lab_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted_documentation_en-US" xlink:label="lab_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Increments In Which Forbearance Is Granted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted" xlink:href="slm-20241231.xsd#slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted" xlink:to="lab_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_2090c8b3-37e4-465d-82d0-fd576b9a5d3c_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock dividends paid</link:label>
    <link:label id="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_label_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments of Ordinary Dividends, Preferred Stock and Preference Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:to="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_683c4679-8505-412d-a291-ee0643675591_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_25b03a0e-30fe-4ae1-8564-388808d3daa1_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of 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" xml:lang="en-US">Share-Based Payment Arrangement, Option, Activity [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_cc37ff07-90c0-4ad0-98df-e1223cf908f0_verboseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total intrinsic value of options exercised</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period, Intrinsic Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_f53b3af3-cee4-4bb0-9b10-7d39d37b3812_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for loan losses</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_871324b2-a143-47e0-9331-7c195f41db99_negatedLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Allowance for loan losses</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_ba6c9bfd-340a-49fd-8cce-55694f6b5cd0_periodStartLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Allowance for loan losses, beginning balance</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_4e256bf3-6f19-49a2-84d8-fb684a981ad7_periodEndLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Allowance for loan losses, ending balance</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_d40022c8-4b5d-4a11-86be-9861a548ebaa_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans allowance for losses</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_49dc04f1-f2c5-4382-8069-258d40b978fb_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" 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" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssetFairValueGrossLiability_b73410ed-5486-4687-8b54-ccf073243c18_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Impact of master netting agreement</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetFairValueGrossLiability_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject to Master Netting Arrangement, Liability Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:to="lab_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_4bc318bc-e4da-4d82-ba62-4d31f45e171c_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments, Debt and Equity Securities [Abstract]</link:label>
    <link:label id="lab_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_label_en-US" xlink:label="lab_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments, Debt and Equity Securities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:to="lab_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountingStandardsUpdate201613Member_8b03b1de-a650-4cf8-b2cc-7c0f713a837a_terseLabel_en-US" xlink:label="lab_us-gaap_AccountingStandardsUpdate201613Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_3375a898-e1c2-43a8-9df1-a8f4b37b7cf5_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Granted (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Grants in Period, Weighted Average Exercise Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount_63dae506-8e1f-4f02-bd78-ad34598b7232_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employer contribution amount</link:label>
    <link:label id="lab_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount_label_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Contribution Plan, Employer Discretionary Contribution Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount" xlink:to="lab_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_7e2ba11f-5ba4-4d81-9fcf-0ac266700cc2_negatedLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Canceled (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeited in Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Maturity2042Member_da113f1e-31f3-4360-8807-d6ca343fe8e4_terseLabel_en-US" xlink:label="lab_slm_Maturity2042Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2042</link:label>
    <link:label id="lab_slm_Maturity2042Member_label_en-US" xlink:label="lab_slm_Maturity2042Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturity 2042 [Member]</link:label>
    <link:label id="lab_slm_Maturity2042Member_documentation_en-US" xlink:label="lab_slm_Maturity2042Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maturity 2042 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2042Member" xlink:href="slm-20241231.xsd#slm_Maturity2042Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Maturity2042Member" xlink:to="lab_slm_Maturity2042Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessAcquisitionAxis_a026bc2f-0eaf-40db-87ac-67f6c37e14cf_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Acquisition [Axis]</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionAxis_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisition [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionAxis" xlink:to="lab_us-gaap_BusinessAcquisitionAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_ec4d21e0-2e2f-4ef8-a298-607b3d99a715_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Acquired Intangible Assets</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AllowanceForCreditLossesTextBlock_aa0031dd-a7d8-4810-9af8-5ab12c0b81d8_terseLabel_en-US" xlink:label="lab_us-gaap_AllowanceForCreditLossesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for Credit Losses and Unfunded Loan Commitments</link:label>
    <link:label id="lab_us-gaap_AllowanceForCreditLossesTextBlock_label_en-US" xlink:label="lab_us-gaap_AllowanceForCreditLossesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance for Credit Losses [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AllowanceForCreditLossesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AllowanceForCreditLossesTextBlock" xlink:to="lab_us-gaap_AllowanceForCreditLossesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear_c133ca1d-b889-463b-8a9f-40c2180733ce_verboseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Current period recoveries, Year 1</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated In Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery, Originated In Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_e835fe6c-1c9b-4d65-8628-279d28d7a17e_terseLabel_en-US" xlink:label="lab_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment, net, difference</link:label>
    <link:label id="lab_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_label_en-US" xlink:label="lab_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable, Fair Value Disclosure, Difference Between Carrying Value And Fair Value</link:label>
    <link:label id="lab_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_documentation_en-US" xlink:label="lab_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Receivable, Fair Value Disclosure, Difference</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:href="slm-20241231.xsd#slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:to="lab_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DebtInstrumentWeightedAverageLife_d59ff3f5-e470-42de-9548-671baa494d72_terseLabel_en-US" xlink:label="lab_slm_DebtInstrumentWeightedAverageLife" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average Life of Class A and Class B Notes (in years)</link:label>
    <link:label id="lab_slm_DebtInstrumentWeightedAverageLife_label_en-US" xlink:label="lab_slm_DebtInstrumentWeightedAverageLife" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Weighted Average Life</link:label>
    <link:label id="lab_slm_DebtInstrumentWeightedAverageLife_documentation_en-US" xlink:label="lab_slm_DebtInstrumentWeightedAverageLife" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Instrument, Weighted Average Life</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentWeightedAverageLife" xlink:href="slm-20241231.xsd#slm_DebtInstrumentWeightedAverageLife"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DebtInstrumentWeightedAverageLife" xlink:to="lab_slm_DebtInstrumentWeightedAverageLife" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year</link:label>
    <link:label id="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember_label_en-US" xlink:label="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:to="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestBearingDepositLiabilities_d276be21-70e6-4ec4-876a-b0848c91500f_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits - non-interest-bearing</link:label>
    <link:label id="lab_us-gaap_NoninterestBearingDepositLiabilities_label_en-US" xlink:label="lab_us-gaap_NoninterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest-Bearing Deposit Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestBearingDepositLiabilities" xlink:to="lab_us-gaap_NoninterestBearingDepositLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialAssetNotPastDueMember_504a3b7a-5872-4134-bc48-7eeb0b1752c9_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan delinquent, current</link:label>
    <link:label id="lab_us-gaap_FinancialAssetNotPastDueMember_b6e4cd7d-98df-472c-80f7-7b80024451ce_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">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" 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/2024/elts/us-gaap-2024.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_LiabilitiesFairValueDisclosureAbstract_29da58e4-6d43-4f20-a62a-c151131dc733_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities:</link:label>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities, Fair Value Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:to="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SeriesBPreferredStockMember_da0abd6b-069a-4946-bf4f-31d07038465f_terseLabel_en-US" xlink:label="lab_us-gaap_SeriesBPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Series B Preferred Stock</link:label>
    <link:label id="lab_us-gaap_SeriesBPreferredStockMember_label_en-US" xlink:label="lab_us-gaap_SeriesBPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Series B Preferred Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SeriesBPreferredStockMember" xlink:to="lab_us-gaap_SeriesBPreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFiscalYearFocus_87af5fac-7d3e-415f-88d7-f813f1e5bf59_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalYearFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalYearFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalYearFocus" xlink:to="lab_dei_DocumentFiscalYearFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockValueAcquiredCostMethod_51f595e3-b89b-4466-a8c3-3d9026f719c0_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payment for delivery of common stock</link:label>
    <link:label id="lab_us-gaap_TreasuryStockValueAcquiredCostMethod_label_en-US" xlink:label="lab_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Value, Acquired, Cost Method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:to="lab_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInDueToRelatedParties_3c88ee04-73da-40b3-ac88-1ef33edfd6f0_verboseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDueToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInDueToRelatedParties"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInDueToRelatedParties" xlink:to="lab_us-gaap_IncreaseDecreaseInDueToRelatedParties" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentNameDomain_7847b36b-7a92-499c-a05f-6e1a5256f63b_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument, Name [Domain]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentNameDomain_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentNameDomain" xlink:to="lab_us-gaap_DebtInstrumentNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_335e5207-5886-4a17-a4df-172383943eac_totalLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_98483759-2735-4059-8026-fd8c803a5d4a_verboseLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsFairValueDisclosure" xlink:to="lab_us-gaap_AssetsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear_b6e5bb0a-b1c2-4f87-88b6-3094aa527e56_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Current period gross charge-offs, Year 1</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentPeriodEndDate_10ffc413-fe1d-469d-b307-75940c78c7f7_terseLabel_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:label id="lab_dei_DocumentPeriodEndDate_label_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentPeriodEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_9764448c-da7c-410d-944a-14f7425d47a3_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans, net, Year 6</link:label>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss, Originated Five Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss, Originated Five Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_a0db8d0d-1e34-482f-b1c2-05fffa835644_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_67485f46-74c7-4091-808a-d5cfd59ee6d7_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByAssetClassAxis_cc1782ad-7faa-40c7-b727-0fc1c6082fbd_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByAssetClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset Class [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByAssetClassAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByAssetClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Class [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByAssetClassAxis" xlink:to="lab_us-gaap_FairValueByAssetClassAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_feb1e27a-ec90-4797-9fba-1d18da1aebf4_terseLabel_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of Private Education Loans in repayment, Year 6</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Loans In Repayment, Originated Five Or More Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Loans In Repayment, Originated Five Or More Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:to="lab_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTradingArrLineItems_label_en-US" xlink:label="lab_ecd_InsiderTradingArrLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Arrangements [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingArrLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTradingArrLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="lab_ecd_InsiderTradingArrLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_DebtInstrumentIssuancePricePercentage_bc90b1ad-f95d-46bb-beed-b5565a9795de_terseLabel_en-US" xlink:label="lab_slm_DebtInstrumentIssuancePricePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance price</link:label>
    <link:label id="lab_slm_DebtInstrumentIssuancePricePercentage_label_en-US" xlink:label="lab_slm_DebtInstrumentIssuancePricePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Issuance Price, Percentage</link:label>
    <link:label id="lab_slm_DebtInstrumentIssuancePricePercentage_documentation_en-US" xlink:label="lab_slm_DebtInstrumentIssuancePricePercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Instrument, Issuance Price, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentIssuancePricePercentage" xlink:href="slm-20241231.xsd#slm_DebtInstrumentIssuancePricePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_DebtInstrumentIssuancePricePercentage" xlink:to="lab_slm_DebtInstrumentIssuancePricePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearThree_162beb61-5af7-4ed2-a8f3-9a8a2747c18a_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_SMBPrivateEducationLoanTrust2024FMember_5e62c0da-ca9d-4176-8682-142f297c3e11_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024FMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024-F ABS Transaction</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024FMember_label_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024FMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-F [Member]</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024FMember_documentation_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024FMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-F</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024FMember" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024FMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SMBPrivateEducationLoanTrust2024FMember" xlink:to="lab_slm_SMBPrivateEducationLoanTrust2024FMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TradingActivityByTypeAxis_424f90b1-ceeb-4585-bdb9-be432b098164_terseLabel_en-US" xlink:label="lab_us-gaap_TradingActivityByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_PercentOfPrivateLoansIndexedToLIBOROrSOFR_c260307c-3375-497a-abd8-42497d0178f3_terseLabel_en-US" xlink:label="lab_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent of private loans indexed to LIBOR or SOFR</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" 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" xml:lang="en-US">Percent of Private Loans indexed to LIBOR Or SOFR</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR" xlink:href="slm-20241231.xsd#slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR" xlink:to="lab_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_18e74cc6-afa0-4ac1-9b52-8408b77ebdc9_terseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total accrued interest by origination vintage, Year 6</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued Interest, Origination Interest, Originated Five or More Years before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued Interest, Origination Interest, Originated Five or More Years before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CertificatesOfDepositAtCarryingValue_2b2b8fdf-266b-46a6-ba7b-a9f1f1d0f66a_terseLabel_en-US" xlink:label="lab_us-gaap_CertificatesOfDepositAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Funds on deposit with the FRB</link:label>
    <link:label id="lab_us-gaap_CertificatesOfDepositAtCarryingValue_label_en-US" xlink:label="lab_us-gaap_CertificatesOfDepositAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Certificates of Deposit, at Carrying Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CertificatesOfDepositAtCarryingValue" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CertificatesOfDepositAtCarryingValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CertificatesOfDepositAtCarryingValue" xlink:to="lab_us-gaap_CertificatesOfDepositAtCarryingValue" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue_1a67bb9f-c4c2-4262-a5c2-a79ff23a796e_terseLabel_en-US" xlink:label="lab_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term borrowings, difference</link:label>
    <link:label id="lab_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue_label_en-US" xlink:label="lab_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Fair Value, Difference Between Carrying Value And Fair Value</link:label>
    <link:label id="lab_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue_documentation_en-US" xlink:label="lab_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Fair Value, Difference Between Carrying Value And Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue" xlink:href="slm-20241231.xsd#slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue" xlink:to="lab_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentTransitionReport_85addc62-bbd0-413d-b65a-d5bcb8400233_terseLabel_en-US" xlink:label="lab_dei_DocumentTransitionReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Transition Report</link:label>
    <link:label id="lab_dei_DocumentTransitionReport_label_en-US" xlink:label="lab_dei_DocumentTransitionReport" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Transition Report</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentTransitionReport"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentTransitionReport" xlink:to="lab_dei_DocumentTransitionReport" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock_f230a53d-40a5-437b-bcf0-6774bbfacce2_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Changes in Unrecognized Tax Benefits</link:label>
    <link:label id="lab_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Unrecognized Tax Benefits Roll Forward [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_4af6eb85-7e22-41ef-8c69-18480c0151e8_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" 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" 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" 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-20241231.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_EffectiveIncomeTaxRateReconciliationTaxCredits_7f8d655a-edfc-417c-b51a-cc2183695b5b_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Business credits</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Tax Credit, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments_42ea6253-01a7-4ba1-a100-57ac15f70ddc_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total carrying value of LIHTC investments</link:label>
    <link:label id="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments_label_en-US" xlink:label="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment, Proportional Amortization Method, Elected, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments" xlink:to="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_7dce33d5-6a1e-4e1d-8c48-5ee85bbf0f09_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring and Nonrecurring [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring and Nonrecurring [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCurrentReportingStatus_cdb7aa25-a8b4-4217-99a1-ff3f9384ddb3_terseLabel_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:label id="lab_dei_EntityCurrentReportingStatus_label_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCurrentReportingStatus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCurrentReportingStatus" xlink:to="lab_dei_EntityCurrentReportingStatus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetainedEarningsMember_350dfdf1-a315-4f45-bfb6-814882a18f2e_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_bd155073-c3fd-4dc3-829d-35e2b1df9068_negatedTerseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Current period gross charge-offs, Year 6</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Five Or More Years Before Latest Fiscal Year</link:label>
    <link:label id="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Five Or More Years Before Latest Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:to="lab_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024EMember_d9351972-311d-4394-80f1-485d255c1b39_terseLabel_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024EMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024-E ABS Transaction</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024EMember_label_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024EMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-E [Member]</link:label>
    <link:label id="lab_slm_SMBPrivateEducationLoanTrust2024EMember_documentation_en-US" xlink:label="lab_slm_SMBPrivateEducationLoanTrust2024EMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">SMB Private Education Loan Trust 2024-E</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024EMember" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024EMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_SMBPrivateEducationLoanTrust2024EMember" xlink:to="lab_slm_SMBPrivateEducationLoanTrust2024EMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_ABCPBorrowingsMember_3e2692a7-3c5b-4055-aab2-a1b59d28530f_verboseLabel_en-US" xlink:label="lab_slm_ABCPBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Secured Borrowing Facility</link:label>
    <link:label id="lab_slm_ABCPBorrowingsMember_b1851390-3ac1-4185-aba6-aa62960ffb3c_terseLabel_en-US" xlink:label="lab_slm_ABCPBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed-rate borrowings</link:label>
    <link:label id="lab_slm_ABCPBorrowingsMember_label_en-US" xlink:label="lab_slm_ABCPBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ABCP Borrowings [Member]</link:label>
    <link:label id="lab_slm_ABCPBorrowingsMember_documentation_en-US" xlink:label="lab_slm_ABCPBorrowingsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">ABCP Borrowings [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ABCPBorrowingsMember" xlink:href="slm-20241231.xsd#slm_ABCPBorrowingsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_ABCPBorrowingsMember" xlink:to="lab_slm_ABCPBorrowingsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_34ca7ba9-ba34-44ac-bdca-1da2990c670f_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan delinquent 90 days or greater past due</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_aa7a4770-2b62-41e7-b321-5b71a2fb8490_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">90 Days or Greater Past Due</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Equal to or Greater than 90 Days Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:to="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal_aa670e66-e184-4ff8-b120-1ed2f8bb15cb_verboseLabel_en-US" xlink:label="lab_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Expense (reversal) financial receivable and off-balance sheet</link:label>
    <link:label id="lab_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal_label_en-US" xlink:label="lab_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable And Off-Balance Sheet, Credit Loss, Expense (Reversal)</link:label>
    <link:label id="lab_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal_documentation_en-US" xlink:label="lab_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable And Off-Balance Sheet, Credit Loss, Expense (Reversal)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" xlink:to="lab_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_1ee73e0a-7d29-447f-ab07-2c1f9a2180e1_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, modified, weighted average term increase for modification</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Weighted Average Term Increase from Modification</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:to="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestrictedStockUnitsRSUMember_9c8fb1b5-bfcd-4f45-aa19-77c3ae4535ba_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedStockUnitsRSUMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted Stock Units (RSUs)</link:label>
    <link:label id="lab_us-gaap_RestrictedStockUnitsRSUMember_label_en-US" xlink:label="lab_us-gaap_RestrictedStockUnitsRSUMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Stock Units (RSUs) [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:to="lab_us-gaap_RestrictedStockUnitsRSUMember" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear_ed1efedc-62b1-4c0b-88e9-a9edd835fefd_terseLabel_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 3</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated Two Years Before Current Fiscal Year</link:label>
    <link:label id="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear_documentation_en-US" xlink:label="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Unamortized Premium Or Discount, Originated Two Years Before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_Cashpaidforbrokereddepositplacementfee_0edbc0d1-ca16-4bf3-a3f7-37818ba83011_negatedLabel_en-US" xlink:label="lab_slm_Cashpaidforbrokereddepositplacementfee" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Brokered deposit placement fee</link:label>
    <link:label id="lab_slm_Cashpaidforbrokereddepositplacementfee_label_en-US" xlink:label="lab_slm_Cashpaidforbrokereddepositplacementfee" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash paid for brokered deposit placement fee</link:label>
    <link:label id="lab_slm_Cashpaidforbrokereddepositplacementfee_documentation_en-US" xlink:label="lab_slm_Cashpaidforbrokereddepositplacementfee" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash paid for brokered deposit placement fee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Cashpaidforbrokereddepositplacementfee" xlink:href="slm-20241231.xsd#slm_Cashpaidforbrokereddepositplacementfee"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_Cashpaidforbrokereddepositplacementfee" xlink:to="lab_slm_Cashpaidforbrokereddepositplacementfee" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss_c53fd756-4cf9-4056-8b89-49d94cb1bb9d_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized gain (loss)</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Gain (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AmountOfVariationMarginIncludedAsSettlement_ffd7c336-b5d8-49ef-9a40-13d7fce09077_terseLabel_en-US" xlink:label="lab_slm_AmountOfVariationMarginIncludedAsSettlement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of variation margin included as settlement</link:label>
    <link:label id="lab_slm_AmountOfVariationMarginIncludedAsSettlement_label_en-US" xlink:label="lab_slm_AmountOfVariationMarginIncludedAsSettlement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amount Of Variation Margin Included As Settlement</link:label>
    <link:label id="lab_slm_AmountOfVariationMarginIncludedAsSettlement_documentation_en-US" xlink:label="lab_slm_AmountOfVariationMarginIncludedAsSettlement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount Of Variation Margin Included As Settlement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmountOfVariationMarginIncludedAsSettlement" xlink:href="slm-20241231.xsd#slm_AmountOfVariationMarginIncludedAsSettlement"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AmountOfVariationMarginIncludedAsSettlement" xlink:to="lab_slm_AmountOfVariationMarginIncludedAsSettlement" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_124256a8-2936-4f42-8936-788bfad1e64b_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Stockholders' Equity [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Stockholders' Equity [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:to="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestExpense_7a846d26-7948-412c-9a04-61840e82dedf_totalLabel_en-US" xlink:label="lab_us-gaap_NoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total non-interest expenses</link:label>
    <link:label id="lab_us-gaap_NoninterestExpense_83b8b5c0-61f9-44eb-ac65-6dd9d0d28b29_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.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_ecd_ExecutiveCategoryAxis_terseLabel_en-US" xlink:label="lab_ecd_ExecutiveCategoryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Executive Category:</link:label>
    <link:label id="lab_ecd_ExecutiveCategoryAxis_label_en-US" xlink:label="lab_ecd_ExecutiveCategoryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Executive Category [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="lab_ecd_ExecutiveCategoryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentIncomeInterestAndDividendAbstract_b3af4132-abd0-4f3d-a505-c46b9d080477_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentIncomeInterestAndDividendAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income:</link:label>
    <link:label id="lab_us-gaap_InvestmentIncomeInterestAndDividendAbstract_label_en-US" xlink:label="lab_us-gaap_InvestmentIncomeInterestAndDividendAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Income, Interest and Dividend [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInterestAndDividendAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentIncomeInterestAndDividendAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentIncomeInterestAndDividendAbstract" xlink:to="lab_us-gaap_InvestmentIncomeInterestAndDividendAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_83c0bc8e-3f39-4d96-818c-9921f2fb41c7_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" 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" 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/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_14135012-da2b-46d8-b0e7-a09082aea933_terseLabel_en-US" xlink:label="lab_us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment, Intangible Asset, Finite-Lived, Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_label_en-US" xlink:label="lab_us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment, Intangible Asset, Finite-Lived, Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:to="lab_us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeStatementLocationDomain_1e0d4669-d1f0-4409-9448-56ce93a6cb31_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeStatementLocationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of Income Location, Balance [Domain]</link:label>
    <link:label id="lab_us-gaap_IncomeStatementLocationDomain_label_en-US" xlink:label="lab_us-gaap_IncomeStatementLocationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Income Location, Balance [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementLocationDomain" xlink:to="lab_us-gaap_IncomeStatementLocationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_ab8054ab-f2c7-4b8a-8263-1be04db6ec87_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchases of available-for-sale securities</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments to Acquire Debt Securities, Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:to="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CoSelectedMeasureName_terseLabel_en-US" xlink:label="lab_ecd_CoSelectedMeasureName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Company Selected Measure Name</link:label>
    <link:label id="lab_ecd_CoSelectedMeasureName_label_en-US" xlink:label="lab_ecd_CoSelectedMeasureName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Company Selected Measure Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CoSelectedMeasureName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CoSelectedMeasureName" xlink:to="lab_ecd_CoSelectedMeasureName" xlink:type="arc" order="1"/>
    <link:label id="lab_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale_b3fb0cf1-5ff5-4404-be70-71f9e5348ade_terseLabel_en-US" xlink:label="lab_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional Loans the Bank Transferred to the Trust</link:label>
    <link:label id="lab_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale_label_en-US" xlink:label="lab_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional Proceeds from Sale of Debt Securities, Available-for-sale</link:label>
    <link:label id="lab_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale_documentation_en-US" xlink:label="lab_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additional Proceeds from Sale of Debt Securities, Available-for-sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" xlink:href="slm-20241231.xsd#slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" xlink:to="lab_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale" xlink:type="arc" order="1"/>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>14
<FILENAME>slm-20241231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2025 Workiva-->
<!--r:d7bf8150-4bdd-417e-9e46-96e27e8baee9,g:88ad62bb-29b1-4f6c-af5f-5e3caa83611d-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.salliemae.com/role/CoverPage" xlink:type="simple" xlink:href="slm-20241231.xsd#CoverPage"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/CoverPage" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_004f4950-2803-4ec0-b68c-60bf780ed4de" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable_8be2c9bb-e9e9-499b-8c2d-bfa4f1ba8a13" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentInformationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_004f4950-2803-4ec0-b68c-60bf780ed4de" xlink:to="loc_dei_DocumentInformationTable_8be2c9bb-e9e9-499b-8c2d-bfa4f1ba8a13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_578c530e-1882-47c6-9c2a-68d71de2fdea" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable_8be2c9bb-e9e9-499b-8c2d-bfa4f1ba8a13" xlink:to="loc_us-gaap_StatementClassOfStockAxis_578c530e-1882-47c6-9c2a-68d71de2fdea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_ea51864c-94fd-43b1-92e7-ec71363259bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_578c530e-1882-47c6-9c2a-68d71de2fdea" xlink:to="loc_us-gaap_ClassOfStockDomain_ea51864c-94fd-43b1-92e7-ec71363259bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CommonStockParValue20PerShareMember_9be54930-5460-4d57-8f40-20e4afc5ed8e" xlink:href="slm-20241231.xsd#slm_CommonStockParValue20PerShareMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_ea51864c-94fd-43b1-92e7-ec71363259bf" xlink:to="loc_slm_CommonStockParValue20PerShareMember_9be54930-5460-4d57-8f40-20e4afc5ed8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember_429f85be-3d69-4064-b93a-b53b1672c891" xlink:href="slm-20241231.xsd#slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_ea51864c-94fd-43b1-92e7-ec71363259bf" xlink:to="loc_slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember_429f85be-3d69-4064-b93a-b53b1672c891" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentInformationLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable_8be2c9bb-e9e9-499b-8c2d-bfa4f1ba8a13" xlink:to="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_4f676766-64bf-4d10-a102-65bee0694f4c" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentType_4f676766-64bf-4d10-a102-65bee0694f4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentAnnualReport_312ab6d5-297e-46bc-9000-f642a6031277" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentAnnualReport"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentAnnualReport_312ab6d5-297e-46bc-9000-f642a6031277" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_9f3cda03-215e-431f-a6d5-7f1de88ed3d3" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentPeriodEndDate_9f3cda03-215e-431f-a6d5-7f1de88ed3d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_0ac85a99-e340-4671-a0cb-dbaf490c3dd3" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_CurrentFiscalYearEndDate_0ac85a99-e340-4671-a0cb-dbaf490c3dd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_e5d670e0-8b14-4ffa-9beb-252296ff2c95" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentTransitionReport"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentTransitionReport_e5d670e0-8b14-4ffa-9beb-252296ff2c95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_a1b592d8-e0e7-42f4-98f0-868aaf40b727" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityFileNumber_a1b592d8-e0e7-42f4-98f0-868aaf40b727" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_19588fd0-1b40-4331-8eb6-fd53f8362380" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityRegistrantName_19588fd0-1b40-4331-8eb6-fd53f8362380" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_0f97572b-fba8-47ab-932b-4b23dbeea394" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityIncorporationStateCountryCode_0f97572b-fba8-47ab-932b-4b23dbeea394" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_06c6b555-1683-4234-9a67-ec5f007b434b" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityTaxIdentificationNumber_06c6b555-1683-4234-9a67-ec5f007b434b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_f9d7d490-4ba8-4a17-baa5-bb6687caa762" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityAddressAddressLine1_f9d7d490-4ba8-4a17-baa5-bb6687caa762" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_20069509-10a2-457e-b7c1-fb9a1334ee95" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityAddressCityOrTown_20069509-10a2-457e-b7c1-fb9a1334ee95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_748ade70-9cd8-4beb-949e-38709b973db8" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityAddressStateOrProvince_748ade70-9cd8-4beb-949e-38709b973db8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_c96ec8fa-5cfd-4c60-8b95-8cb2bb06c1e1" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityAddressPostalZipCode_c96ec8fa-5cfd-4c60-8b95-8cb2bb06c1e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_b0edbacb-bb6f-4822-8e15-83deebe1e343" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_CityAreaCode_b0edbacb-bb6f-4822-8e15-83deebe1e343" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_61a4c47a-46d8-42b6-ac5a-537e714457f0" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_LocalPhoneNumber_61a4c47a-46d8-42b6-ac5a-537e714457f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_05288186-433e-41ab-8656-0cbd71c33d3d" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_Security12bTitle_05288186-433e-41ab-8656-0cbd71c33d3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_0eeaef1a-3069-4d8a-a7c8-d1033ce8a9e2" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_TradingSymbol_0eeaef1a-3069-4d8a-a7c8-d1033ce8a9e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_c44cb0cd-fa93-4dd4-a41f-8dac4b92ba6f" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_SecurityExchangeName_c44cb0cd-fa93-4dd4-a41f-8dac4b92ba6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityWellKnownSeasonedIssuer_95f3c4b9-8571-4821-a4a1-46756ff5cbaf" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityWellKnownSeasonedIssuer"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityWellKnownSeasonedIssuer_95f3c4b9-8571-4821-a4a1-46756ff5cbaf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityVoluntaryFilers_dc24f153-2fa4-4c79-bb44-0608ef0b663e" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityVoluntaryFilers"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityVoluntaryFilers_dc24f153-2fa4-4c79-bb44-0608ef0b663e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_38448225-6af1-465b-a65a-4d107f5635e9" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCurrentReportingStatus"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityCurrentReportingStatus_38448225-6af1-465b-a65a-4d107f5635e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_32946d81-5286-4d03-b20f-17814dba7eef" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityInteractiveDataCurrent_32946d81-5286-4d03-b20f-17814dba7eef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_1571171e-73eb-4807-9177-59385ea55b88" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFilerCategory"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityFilerCategory_1571171e-73eb-4807-9177-59385ea55b88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_349b7ede-4127-4321-add8-b82bf2c63896" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntitySmallBusiness"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntitySmallBusiness_349b7ede-4127-4321-add8-b82bf2c63896" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_19f03d0f-8ef9-46d2-adb4-261ae583aeb7" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityEmergingGrowthCompany_19f03d0f-8ef9-46d2-adb4-261ae583aeb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_IcfrAuditorAttestationFlag_79258c5b-0f7e-4fc0-a50e-9cd6ff8f7015" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_IcfrAuditorAttestationFlag"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_IcfrAuditorAttestationFlag_79258c5b-0f7e-4fc0-a50e-9cd6ff8f7015" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFinStmtErrorCorrectionFlag_82673d31-5b59-4b96-bd86-67a2661c21bc" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFinStmtErrorCorrectionFlag"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentFinStmtErrorCorrectionFlag_82673d31-5b59-4b96-bd86-67a2661c21bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_3edfaad9-1006-4074-b242-014b28571bb0" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityShellCompany"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityShellCompany_3edfaad9-1006-4074-b242-014b28571bb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityPublicFloat_cd8e3e2e-5214-4567-958c-4773c77c9f71" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityPublicFloat"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityPublicFloat_cd8e3e2e-5214-4567-958c-4773c77c9f71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_e07e1d7d-07a4-4760-8787-9b4a921a304f" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_e07e1d7d-07a4-4760-8787-9b4a921a304f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentsIncorporatedByReferenceTextBlock_361162c5-2df9-4416-81a7-076204df5883" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentsIncorporatedByReferenceTextBlock"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentsIncorporatedByReferenceTextBlock_361162c5-2df9-4416-81a7-076204df5883" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorName_69c76171-203c-4719-9bb5-95eef5fd806d" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AuditorName"/>
    <link:presentationArc order="32" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_AuditorName_69c76171-203c-4719-9bb5-95eef5fd806d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorLocation_4ff0af0d-b84f-4edb-9baf-3873778e7c40" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AuditorLocation"/>
    <link:presentationArc order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_AuditorLocation_4ff0af0d-b84f-4edb-9baf-3873778e7c40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorFirmId_9ff96f86-2f86-4279-abd2-ff5880e150af" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AuditorFirmId"/>
    <link:presentationArc order="34" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_AuditorFirmId_9ff96f86-2f86-4279-abd2-ff5880e150af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_e0f0a854-5c34-4a7b-a98b-d81e1f07e70c" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="35" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_AmendmentFlag_e0f0a854-5c34-4a7b-a98b-d81e1f07e70c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_2b8a8ecc-8347-4200-beed-6b34bad557db" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalYearFocus"/>
    <link:presentationArc order="36" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentFiscalYearFocus_2b8a8ecc-8347-4200-beed-6b34bad557db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_535b7634-92ea-44fa-9d1b-fbfeff0bd821" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:presentationArc order="37" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_DocumentFiscalPeriodFocus_535b7634-92ea-44fa-9d1b-fbfeff0bd821" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_ac4a725f-00bd-430c-8e3d-5dc87d7c1703" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="38" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_2aa9dcfd-18f4-49e2-9993-286dcc4c7f4a" xlink:to="loc_dei_EntityCentralIndexKey_ac4a725f-00bd-430c-8e3d-5dc87d7c1703" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AuditInformation" xlink:type="simple" xlink:href="slm-20241231.xsd#AuditInformation"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/AuditInformation" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_slm_AuditInformationAbstract_dd7b5b5a-774d-4db3-af83-1df71523238c" xlink:href="slm-20241231.xsd#slm_AuditInformationAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorName_32a459b9-e7e7-4753-822c-a93920db7995" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AuditorName"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AuditInformationAbstract_dd7b5b5a-774d-4db3-af83-1df71523238c" xlink:to="loc_dei_AuditorName_32a459b9-e7e7-4753-822c-a93920db7995" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorLocation_9e16beed-536c-49b1-81d0-64e011095ed2" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AuditorLocation"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AuditInformationAbstract_dd7b5b5a-774d-4db3-af83-1df71523238c" xlink:to="loc_dei_AuditorLocation_9e16beed-536c-49b1-81d0-64e011095ed2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorFirmId_f7580481-d37b-49cd-98ca-9d550fff04bf" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AuditorFirmId"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AuditInformationAbstract_dd7b5b5a-774d-4db3-af83-1df71523238c" xlink:to="loc_dei_AuditorFirmId_f7580481-d37b-49cd-98ca-9d550fff04bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDBALANCESHEETS"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_b0cdb19b-54c8-4662-8254-32a25bd28a5d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_b0cdb19b-54c8-4662-8254-32a25bd28a5d" xlink:to="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_124d0063-0908-4dc4-a457-a4fb75f04434" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_124d0063-0908-4dc4-a457-a4fb75f04434" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_e94695b2-c737-4f43-a6bb-cb5e21c02f19" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:to="loc_us-gaap_InvestmentsAbstract_e94695b2-c737-4f43-a6bb-cb5e21c02f19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_6c0c0024-8edf-4ead-9fd0-842d72d32381" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_e94695b2-c737-4f43-a6bb-cb5e21c02f19" xlink:to="loc_us-gaap_TradingSecuritiesDebt_6c0c0024-8edf-4ead-9fd0-842d72d32381" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_0d08a427-8569-4c05-b6cd-9268db922b89" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_e94695b2-c737-4f43-a6bb-cb5e21c02f19" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_0d08a427-8569-4c05-b6cd-9268db922b89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInvestments_765fe732-fc37-4849-b98f-b81941108b36" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherInvestments"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_e94695b2-c737-4f43-a6bb-cb5e21c02f19" xlink:to="loc_us-gaap_OtherInvestments_765fe732-fc37-4849-b98f-b81941108b36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_31ab8fc0-0b19-4def-828d-57eb45d7effa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Investments"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_e94695b2-c737-4f43-a6bb-cb5e21c02f19" xlink:to="loc_us-gaap_Investments_31ab8fc0-0b19-4def-828d-57eb45d7effa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_ec59a9da-ee1d-441e-8255-8041882315f3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_ec59a9da-ee1d-441e-8255-8041882315f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndInvestments_e287b488-3bfa-43db-bb0f-adaa3170b8cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAndInvestments"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:to="loc_us-gaap_RestrictedCashAndInvestments_e287b488-3bfa-43db-bb0f-adaa3170b8cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInterestEarningAssets_88624659-7e72-4746-aeba-01fe042618cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherInterestEarningAssets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:to="loc_us-gaap_OtherInterestEarningAssets_88624659-7e72-4746-aeba-01fe042618cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_62c5f54a-6da0-4c6d-96c1-74f87d098edd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestReceivable"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:to="loc_us-gaap_InterestReceivable_62c5f54a-6da0-4c6d-96c1-74f87d098edd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_e6a210c9-fa93-46f6-9573-00871a77ba36" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_e6a210c9-fa93-46f6-9573-00871a77ba36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_bf1ff0f0-cb32-4265-a71c-d06a192db134" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:to="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_bf1ff0f0-cb32-4265-a71c-d06a192db134" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReceivable_2bb79f41-265a-4457-b57f-60057fe96205" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxReceivable"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:to="loc_us-gaap_IncomeTaxReceivable_2bb79f41-265a-4457-b57f-60057fe96205" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_289e0149-e186-47c4-9756-de07930de5b9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:to="loc_us-gaap_OtherAssets_289e0149-e186-47c4-9756-de07930de5b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_2fdc26fb-039d-4819-800b-cd40b3fc076d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_ddd440dd-f487-432e-87a1-3f108e8e1700" xlink:to="loc_us-gaap_Assets_2fdc26fb-039d-4819-800b-cd40b3fc076d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract_a12d07be-8ac1-44c6-bba8-6d39155cf678" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_b0cdb19b-54c8-4662-8254-32a25bd28a5d" xlink:to="loc_us-gaap_LiabilitiesAbstract_a12d07be-8ac1-44c6-bba8-6d39155cf678" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_e19bf094-8f1a-41be-91f6-ab900a04be8b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Deposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_a12d07be-8ac1-44c6-bba8-6d39155cf678" xlink:to="loc_us-gaap_Deposits_e19bf094-8f1a-41be-91f6-ab900a04be8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_28cf9830-0463-410c-ae70-d9d095265581" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_a12d07be-8ac1-44c6-bba8-6d39155cf678" xlink:to="loc_us-gaap_LongTermDebt_28cf9830-0463-410c-ae70-d9d095265581" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_b5f42dc8-dbd6-4adc-9a85-41780da1b437" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_a12d07be-8ac1-44c6-bba8-6d39155cf678" xlink:to="loc_us-gaap_OtherLiabilities_b5f42dc8-dbd6-4adc-9a85-41780da1b437" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_0a57a22b-4d9e-4cde-84d1-1cb318a5aecd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_a12d07be-8ac1-44c6-bba8-6d39155cf678" xlink:to="loc_us-gaap_Liabilities_0a57a22b-4d9e-4cde-84d1-1cb318a5aecd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_7b710e5e-24c7-4f6b-9054-d72236155a26" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_b0cdb19b-54c8-4662-8254-32a25bd28a5d" xlink:to="loc_us-gaap_CommitmentsAndContingencies_7b710e5e-24c7-4f6b-9054-d72236155a26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_8e0e34ca-85e5-49d3-aae7-70b8b7299d04" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_b0cdb19b-54c8-4662-8254-32a25bd28a5d" xlink:to="loc_us-gaap_StockholdersEquityAbstract_8e0e34ca-85e5-49d3-aae7-70b8b7299d04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValueOutstanding_e00038f5-0220-47eb-ae6d-27563872e588" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockValueOutstanding"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_8e0e34ca-85e5-49d3-aae7-70b8b7299d04" xlink:to="loc_us-gaap_PreferredStockValueOutstanding_e00038f5-0220-47eb-ae6d-27563872e588" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_e744aee9-671c-4277-a612-8f8a86dfe01f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_8e0e34ca-85e5-49d3-aae7-70b8b7299d04" xlink:to="loc_us-gaap_CommonStockValue_e744aee9-671c-4277-a612-8f8a86dfe01f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_f1d6f183-7315-4954-a8bf-ff23bd347cb5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_8e0e34ca-85e5-49d3-aae7-70b8b7299d04" xlink:to="loc_us-gaap_AdditionalPaidInCapital_f1d6f183-7315-4954-a8bf-ff23bd347cb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_5a4020cc-2055-4ff1-99be-e5742082010a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_8e0e34ca-85e5-49d3-aae7-70b8b7299d04" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_5a4020cc-2055-4ff1-99be-e5742082010a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_8937b9d9-9af1-483c-a4d2-045dc1e60747" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_8e0e34ca-85e5-49d3-aae7-70b8b7299d04" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_8937b9d9-9af1-483c-a4d2-045dc1e60747" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_79a86336-168b-4cb6-9765-4fe65c04bb72" xlink:href="slm-20241231.xsd#slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_8e0e34ca-85e5-49d3-aae7-70b8b7299d04" xlink:to="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_79a86336-168b-4cb6-9765-4fe65c04bb72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_615daeba-c79a-4340-b3a0-170211cad58d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_8e0e34ca-85e5-49d3-aae7-70b8b7299d04" xlink:to="loc_us-gaap_TreasuryStockCommonValue_615daeba-c79a-4340-b3a0-170211cad58d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_53669dcd-0cdf-4711-95c8-d4755b75e6f4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_8e0e34ca-85e5-49d3-aae7-70b8b7299d04" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_53669dcd-0cdf-4711-95c8-d4755b75e6f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_4789ad84-d885-4c7e-b7ad-e3f9aa5f9306" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_b0cdb19b-54c8-4662-8254-32a25bd28a5d" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_4789ad84-d885-4c7e-b7ad-e3f9aa5f9306" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDBALANCESHEETSParenthetical"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebtAmortizedCost_ea0a87ff-40e8-489c-9b9c-1af8a48edc2a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebtAmortizedCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:to="loc_us-gaap_TradingSecuritiesDebtAmortizedCost_ea0a87ff-40e8-489c-9b9c-1af8a48edc2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_c66e7926-c071-40df-8c65-947d78abbcd6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_c66e7926-c071-40df-8c65-947d78abbcd6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_f4311ee1-e20d-4639-affc-fc38e1bc6feb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_f4311ee1-e20d-4639-affc-fc38e1bc6feb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_eaff4bca-e7da-4535-8b34-5df9d1d0a8e5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_eaff4bca-e7da-4535-8b34-5df9d1d0a8e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_2e40a86b-3b99-4ffd-b671-97743d8e6867" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_2e40a86b-3b99-4ffd-b671-97743d8e6867" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_030d70d4-8ab4-443e-8c09-9e37399f6473" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_030d70d4-8ab4-443e-8c09-9e37399f6473" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_de328395-0493-49cf-b2a7-bca419e843ea" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_de328395-0493-49cf-b2a7-bca419e843ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_8bf57014-6d5d-4baa-8c85-ca7269840586" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_8bf57014-6d5d-4baa-8c85-ca7269840586" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_572374d8-822a-408b-a6c2-e38f5b2a73ce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_572374d8-822a-408b-a6c2-e38f5b2a73ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_e5ca5cdf-0829-4391-b427-9b9d47f4a106" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:to="loc_us-gaap_CommonStockSharesIssued_e5ca5cdf-0829-4391-b427-9b9d47f4a106" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociTaxAttributableToParent_8e7295d5-0263-4ad4-9657-7a667b70becc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AociTaxAttributableToParent"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:to="loc_us-gaap_AociTaxAttributableToParent_8e7295d5-0263-4ad4-9657-7a667b70becc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_5d79a551-90b2-4bbb-8176-f7da2f5b1017" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_7a0c5cb5-11a9-46c5-9a9a-7673e08ea346" xlink:to="loc_us-gaap_TreasuryStockCommonShares_5d79a551-90b2-4bbb-8176-f7da2f5b1017" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDSTATEMENTSOFINCOME"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInterestAndDividendAbstract_255afaa1-e879-407c-ba0f-3ba2a5062c6d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentIncomeInterestAndDividendAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_InvestmentIncomeInterestAndDividendAbstract_255afaa1-e879-407c-ba0f-3ba2a5062c6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_52e0a485-3bfe-41a5-aa06-4ccad4ba1ba0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentIncomeInterestAndDividendAbstract_255afaa1-e879-407c-ba0f-3ba2a5062c6d" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_52e0a485-3bfe-41a5-aa06-4ccad4ba1ba0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating_7293104f-cab6-45ff-961d-94d40b3477a0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentIncomeInterestAndDividendAbstract_255afaa1-e879-407c-ba0f-3ba2a5062c6d" xlink:to="loc_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating_7293104f-cab6-45ff-961d-94d40b3477a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CashAndInvestmentsInterestIncomeLoss_6b941b29-3cae-4a37-a501-a7f6ce44db4b" xlink:href="slm-20241231.xsd#slm_CashAndInvestmentsInterestIncomeLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentIncomeInterestAndDividendAbstract_255afaa1-e879-407c-ba0f-3ba2a5062c6d" xlink:to="loc_slm_CashAndInvestmentsInterestIncomeLoss_6b941b29-3cae-4a37-a501-a7f6ce44db4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_38332445-21f5-4b6f-acae-bbec1b24c6b3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentIncomeInterestAndDividendAbstract_255afaa1-e879-407c-ba0f-3ba2a5062c6d" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_38332445-21f5-4b6f-acae-bbec1b24c6b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseAbstract_1f58ffbd-ac7e-49ed-bd40-9d75fa1f1b12" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_InterestExpenseAbstract_1f58ffbd-ac7e-49ed-bd40-9d75fa1f1b12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits_945a9761-94bb-44a0-9b91-579a4140861c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_1f58ffbd-ac7e-49ed-bd40-9d75fa1f1b12" xlink:to="loc_us-gaap_InterestExpenseDeposits_945a9761-94bb-44a0-9b91-579a4140861c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseShortTermBorrowings_a0b034b9-617f-4219-b12a-256cc7c32ecc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseShortTermBorrowings"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_1f58ffbd-ac7e-49ed-bd40-9d75fa1f1b12" xlink:to="loc_us-gaap_InterestExpenseShortTermBorrowings_a0b034b9-617f-4219-b12a-256cc7c32ecc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseLongTermDebt_a94a8a66-27c1-46a0-a369-52a71d30c7d7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseLongTermDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_1f58ffbd-ac7e-49ed-bd40-9d75fa1f1b12" xlink:to="loc_us-gaap_InterestExpenseLongTermDebt_a94a8a66-27c1-46a0-a369-52a71d30c7d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_5d8e84f9-5c64-4850-81ae-5bf7d5824888" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseOperating"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_1f58ffbd-ac7e-49ed-bd40-9d75fa1f1b12" xlink:to="loc_us-gaap_InterestExpenseOperating_5d8e84f9-5c64-4850-81ae-5bf7d5824888" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_fba87573-c25d-449f-acd8-bed66d9694b3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_fba87573-c25d-449f-acd8-bed66d9694b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_34144d35-6c63-4fca-a480-faf39d80366c" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_34144d35-6c63-4fca-a480-faf39d80366c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_40efeb2b-4758-4649-840f-709c80c329e3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_40efeb2b-4758-4649-840f-709c80c329e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeAbstract_5c06f5ef-7a35-4c9c-b071-68ccee805877" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_NoninterestIncomeAbstract_5c06f5ef-7a35-4c9c-b071-68ccee805877" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_f273ba05-e596-438c-b834-64bcd0ca5ee0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_5c06f5ef-7a35-4c9c-b071-68ccee805877" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_f273ba05-e596-438c-b834-64bcd0ca5ee0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_3a91a05e-b8ef-40df-9145-8a53fc0b3872" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_5c06f5ef-7a35-4c9c-b071-68ccee805877" xlink:to="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_3a91a05e-b8ef-40df-9145-8a53fc0b3872" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnDerivativeInstrumentsNetPretax_a1ce373f-580c-405c-a06d-da92dbaaf796" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnDerivativeInstrumentsNetPretax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_5c06f5ef-7a35-4c9c-b071-68ccee805877" xlink:to="loc_us-gaap_GainLossOnDerivativeInstrumentsNetPretax_a1ce373f-580c-405c-a06d-da92dbaaf796" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_d56e6945-c076-487f-884b-236352fea12d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_5c06f5ef-7a35-4c9c-b071-68ccee805877" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_d56e6945-c076-487f-884b-236352fea12d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_d50ccb63-b73f-4b74-ad9b-771a701e5332" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestIncome"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_5c06f5ef-7a35-4c9c-b071-68ccee805877" xlink:to="loc_us-gaap_NoninterestIncome_d50ccb63-b73f-4b74-ad9b-771a701e5332" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpensesAbstract_b209798e-b3da-4e9c-bf85-47cde47fc508" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingExpensesAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_OperatingExpensesAbstract_b209798e-b3da-4e9c-bf85-47cde47fc508" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract_f8c7a14d-c69c-4358-87f8-be6c52da4d44" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_b209798e-b3da-4e9c-bf85-47cde47fc508" xlink:to="loc_us-gaap_NoninterestExpenseAbstract_f8c7a14d-c69c-4358-87f8-be6c52da4d44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_8f75fe60-7ea4-45e2-b532-9e38b0039786" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_f8c7a14d-c69c-4358-87f8-be6c52da4d44" xlink:to="loc_us-gaap_LaborAndRelatedExpense_8f75fe60-7ea4-45e2-b532-9e38b0039786" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_17a7821b-b916-4c3b-b8cf-6cf12f6cfa6d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_f8c7a14d-c69c-4358-87f8-be6c52da4d44" xlink:to="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_17a7821b-b916-4c3b-b8cf-6cf12f6cfa6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoninterestExpense_c194d622-b984-4e28-a961-c099755a5e7b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherNoninterestExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_f8c7a14d-c69c-4358-87f8-be6c52da4d44" xlink:to="loc_us-gaap_OtherNoninterestExpense_c194d622-b984-4e28-a961-c099755a5e7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets_267d2924-b656-4411-8dad-4be46e695120" xlink:href="slm-20241231.xsd#slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_f8c7a14d-c69c-4358-87f8-be6c52da4d44" xlink:to="loc_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets_267d2924-b656-4411-8dad-4be46e695120" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_af65f8cc-f551-4a03-9cd5-6a46cb9c5289" xlink:href="slm-20241231.xsd#slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_b209798e-b3da-4e9c-bf85-47cde47fc508" xlink:to="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_af65f8cc-f551-4a03-9cd5-6a46cb9c5289" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_182e7f59-f146-46d8-b491-de327053a694" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_b209798e-b3da-4e9c-bf85-47cde47fc508" xlink:to="loc_us-gaap_NoninterestExpense_182e7f59-f146-46d8-b491-de327053a694" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_0a1bd3cf-3395-4a77-a825-979a039d6906" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_0a1bd3cf-3395-4a77-a825-979a039d6906" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_23bd085b-b662-4f15-a1cb-27c6ae533395" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_23bd085b-b662-4f15-a1cb-27c6ae533395" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_b9b6cb6a-7e37-439d-99f1-ebcdc0274084" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_ProfitLoss_b9b6cb6a-7e37-439d-99f1-ebcdc0274084" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_8892cf39-0795-498d-a9de-1f9be89864c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_8892cf39-0795-498d-a9de-1f9be89864c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_4fcf3b55-5dbe-4939-909b-159bdd0ec203" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_4fcf3b55-5dbe-4939-909b-159bdd0ec203" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_73de3405-7f9d-491c-b600-2724d794bec4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_EarningsPerShareBasic_73de3405-7f9d-491c-b600-2724d794bec4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_1a221a89-04a1-450a-b185-e873b4b5901f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_1a221a89-04a1-450a-b185-e873b4b5901f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_685d6c6b-9c78-4eca-b9b8-a654496c755c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_EarningsPerShareDiluted_685d6c6b-9c78-4eca-b9b8-a654496c755c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_9d713888-24a1-42b0-97a1-ff9a09dbe726" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_9d713888-24a1-42b0-97a1-ff9a09dbe726" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared_9d77d898-0153-4219-b8c6-68e934a26a27" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_5355ded2-53dd-421a-a2b5-003a892e35a4" xlink:to="loc_us-gaap_CommonStockDividendsPerShareDeclared_9d77d898-0153-4219-b8c6-68e934a26a27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_303b1956-73ab-4d90-9331-5a0ff8066469" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_f37f5c63-afa7-4322-9ac7-acc1333f11c4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_303b1956-73ab-4d90-9331-5a0ff8066469" xlink:to="loc_us-gaap_ProfitLoss_f37f5c63-afa7-4322-9ac7-acc1333f11c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_8081f871-bdb5-406a-9db7-2b13084812d0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_303b1956-73ab-4d90-9331-5a0ff8066469" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_8081f871-bdb5-406a-9db7-2b13084812d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_88bd7bc1-d16a-4fe4-9b81-edfee4444f2e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_8081f871-bdb5-406a-9db7-2b13084812d0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_88bd7bc1-d16a-4fe4-9b81-edfee4444f2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_48fc77d0-f313-4615-9e6f-09e0f988be39" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_8081f871-bdb5-406a-9db7-2b13084812d0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_48fc77d0-f313-4615-9e6f-09e0f988be39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_76c26366-3ca4-4105-8217-29afe5f4e3e6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_8081f871-bdb5-406a-9db7-2b13084812d0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_76c26366-3ca4-4105-8217-29afe5f4e3e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTax_2ee4f8e2-e096-4776-8b2c-5ef6c45e6092" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_303b1956-73ab-4d90-9331-5a0ff8066469" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTax_2ee4f8e2-e096-4776-8b2c-5ef6c45e6092" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_57577810-a673-4239-9236-87b3cd39be31" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_303b1956-73ab-4d90-9331-5a0ff8066469" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_57577810-a673-4239-9236-87b3cd39be31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_db833ddc-ee0a-4949-80ae-f4d114c79177" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_303b1956-73ab-4d90-9331-5a0ff8066469" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_db833ddc-ee0a-4949-80ae-f4d114c79177" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_fec6baeb-ca33-4e06-94bf-bd0ac490e3fd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_a20f6249-18ae-4563-a974-e6c2f78d20b0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_fec6baeb-ca33-4e06-94bf-bd0ac490e3fd" xlink:to="loc_us-gaap_StatementTable_a20f6249-18ae-4563-a974-e6c2f78d20b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_27f90410-561b-485b-9406-ab1dd2ac5922" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_a20f6249-18ae-4563-a974-e6c2f78d20b0" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_27f90410-561b-485b-9406-ab1dd2ac5922" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_27f90410-561b-485b-9406-ab1dd2ac5922" xlink:to="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_e22fb629-80c2-4fd2-943d-fff490311d0a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:to="loc_us-gaap_PreferredStockMember_e22fb629-80c2-4fd2-943d-fff490311d0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_c83f960d-4a5d-4da9-87fe-979ab764bcc9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:to="loc_us-gaap_CommonStockMember_c83f960d-4a5d-4da9-87fe-979ab764bcc9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonMember_4ab5fe04-7d0b-46c0-b3c9-1ca65ce41815" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:to="loc_us-gaap_TreasuryStockCommonMember_4ab5fe04-7d0b-46c0-b3c9-1ca65ce41815" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_b683c47d-884d-4c96-a987-ff7338a9d070" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_b683c47d-884d-4c96-a987-ff7338a9d070" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_1971ef40-3acc-42bf-b197-a59f888f1f75" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_1971ef40-3acc-42bf-b197-a59f888f1f75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_74a0904f-648b-4fa9-8b26-bc06cb217ca2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_27d2e770-a588-4bae-adb5-435eb47510e1" xlink:to="loc_us-gaap_RetainedEarningsMember_74a0904f-648b-4fa9-8b26-bc06cb217ca2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_63c8b632-d5e4-4fdb-8bc3-d128826e5e85" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_a20f6249-18ae-4563-a974-e6c2f78d20b0" xlink:to="loc_us-gaap_StatementClassOfStockAxis_63c8b632-d5e4-4fdb-8bc3-d128826e5e85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_e9b683b7-4085-4fe4-9009-e87fb89ef7da" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_63c8b632-d5e4-4fdb-8bc3-d128826e5e85" xlink:to="loc_us-gaap_ClassOfStockDomain_e9b683b7-4085-4fe4-9009-e87fb89ef7da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember_4b9e4a95-cd03-4777-a45c-393244ea17ea" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_e9b683b7-4085-4fe4-9009-e87fb89ef7da" xlink:to="loc_us-gaap_SeriesBPreferredStockMember_4b9e4a95-cd03-4777-a45c-393244ea17ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_4a1c8a99-0ee4-45fe-adf0-ee8f561ebc58" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_a20f6249-18ae-4563-a974-e6c2f78d20b0" xlink:to="loc_us-gaap_StatementLineItems_4a1c8a99-0ee4-45fe-adf0-ee8f561ebc58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_4a1c8a99-0ee4-45fe-adf0-ee8f561ebc58" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesIssued_af1c2be7-fe90-4cb4-a76f-239056171045" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharesIssued"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_SharesIssued_af1c2be7-fe90-4cb4-a76f-239056171045" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_10dedd28-fdc1-4337-b992-d3cd65067fc6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_TreasuryStockCommonShares_10dedd28-fdc1-4337-b992-d3cd65067fc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedPeriodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_00a97133-fdab-471c-8480-4c4e63c66daf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_00a97133-fdab-471c-8480-4c4e63c66daf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_1c064dea-f8db-453c-a562-9204d61124a1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_1c064dea-f8db-453c-a562-9204d61124a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_5c9af1af-9590-4d29-93a3-d126486e7532" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_ProfitLoss_5c9af1af-9590-4d29-93a3-d126486e7532" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_88aacc81-e413-493d-8b0b-eedcfb0a7c93" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_88aacc81-e413-493d-8b0b-eedcfb0a7c93" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_ea62f8ee-33c5-411c-a2f2-d401ce260d9c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_ea62f8ee-33c5-411c-a2f2-d401ce260d9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCashAbstract_0980fa64-178b-4d9e-8907-a2e581fe9359" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DividendsCashAbstract"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_DividendsCashAbstract_0980fa64-178b-4d9e-8907-a2e581fe9359" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStockCash_1a864174-244c-4d57-b067-a24395bad298" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DividendsCommonStockCash"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DividendsCashAbstract_0980fa64-178b-4d9e-8907-a2e581fe9359" xlink:to="loc_us-gaap_DividendsCommonStockCash_1a864174-244c-4d57-b067-a24395bad298" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStockCash_3bd34d25-8e16-42c8-ba20-42555c983b89" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DividendsPreferredStockCash"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DividendsCashAbstract_0980fa64-178b-4d9e-8907-a2e581fe9359" xlink:to="loc_us-gaap_DividendsPreferredStockCash_3bd34d25-8e16-42c8-ba20-42555c983b89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_bf9ad6b4-7d0c-433a-a81b-8713a2a3e2c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_bf9ad6b4-7d0c-433a-a81b-8713a2a3e2c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_01c11a78-73ea-4d72-8220-4b0b133a8949" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_01c11a78-73ea-4d72-8220-4b0b133a8949" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_2aa0606c-1a63-4370-8e49-8a568930b7d8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_2aa0606c-1a63-4370-8e49-8a568930b7d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_4bf30c75-afc5-416c-bdca-7067a8f2cba9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_4bf30c75-afc5-416c-bdca-7067a8f2cba9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredParValueMethod_40ecb026-cd0a-467e-ab3d-1e608012d9eb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockValueAcquiredParValueMethod"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredParValueMethod_40ecb026-cd0a-467e-ab3d-1e608012d9eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_f9e643a8-2eb1-4d09-8e02-9ad6bf9c3a8a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_f9e643a8-2eb1-4d09-8e02-9ad6bf9c3a8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_659764ea-82de-4af6-a1dc-06c995e9cd82" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_659764ea-82de-4af6-a1dc-06c995e9cd82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesIssued_de6b9540-39bc-4284-b6c9-8ebae9f8d0c7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharesIssued"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_SharesIssued_de6b9540-39bc-4284-b6c9-8ebae9f8d0c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_065de1dc-26c1-466c-a6eb-b70ff61cdfbc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_TreasuryStockCommonShares_065de1dc-26c1-466c-a6eb-b70ff61cdfbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedPeriodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_b076609b-f1c7-44fe-98cb-badce6e6e212" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_b076609b-f1c7-44fe-98cb-badce6e6e212" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_9a2a40a9-e197-4223-bc7a-6623d6dcbc68" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_345505fa-b065-4658-a0df-805415afb3c4" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_9a2a40a9-e197-4223-bc7a-6623d6dcbc68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_d8aab2ae-8d3d-4fda-abcc-5645269239e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_db1b8870-885c-48ea-8b56-66d80f10db7f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_d8aab2ae-8d3d-4fda-abcc-5645269239e2" xlink:to="loc_us-gaap_StatementTable_db1b8870-885c-48ea-8b56-66d80f10db7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_e1de3e9a-a57b-4bd8-8964-b057ac8769ca" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_db1b8870-885c-48ea-8b56-66d80f10db7f" xlink:to="loc_us-gaap_StatementClassOfStockAxis_e1de3e9a-a57b-4bd8-8964-b057ac8769ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_71c5eb56-e8e3-46ca-942f-6f196efc7944" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_e1de3e9a-a57b-4bd8-8964-b057ac8769ca" xlink:to="loc_us-gaap_ClassOfStockDomain_71c5eb56-e8e3-46ca-942f-6f196efc7944" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember_ef603c9b-f350-48af-aab2-dcab4ab3038b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_71c5eb56-e8e3-46ca-942f-6f196efc7944" xlink:to="loc_us-gaap_SeriesBPreferredStockMember_ef603c9b-f350-48af-aab2-dcab4ab3038b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_ac08dd12-ecc8-466f-9fdd-ba77673a874e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_db1b8870-885c-48ea-8b56-66d80f10db7f" xlink:to="loc_us-gaap_StatementLineItems_ac08dd12-ecc8-466f-9fdd-ba77673a874e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared_aa59304c-8331-4385-b806-03dcfb7f622a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_ac08dd12-ecc8-466f-9fdd-ba77673a874e" xlink:to="loc_us-gaap_CommonStockDividendsPerShareDeclared_aa59304c-8331-4385-b806-03dcfb7f622a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePerDollarAmount_3b137da4-2c76-4a59-8efa-652c36d86382" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendRatePerDollarAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_ac08dd12-ecc8-466f-9fdd-ba77673a874e" xlink:to="loc_us-gaap_PreferredStockDividendRatePerDollarAmount_3b137da4-2c76-4a59-8efa-652c36d86382" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="slm-20241231.xsd#CONSOLIDATEDSTATEMENTSOFCASHFLOWS"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_c31ac92a-0946-4a14-96d8-053d428287cc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_7ffadf8e-af58-4645-9278-56f57d519880" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_c31ac92a-0946-4a14-96d8-053d428287cc" xlink:to="loc_us-gaap_StatementTable_7ffadf8e-af58-4645-9278-56f57d519880" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_ce527de9-1ba4-4a78-9f99-883a775490a6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_7ffadf8e-af58-4645-9278-56f57d519880" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_ce527de9-1ba4-4a78-9f99-883a775490a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_b45dd03f-24d8-4feb-b1e3-1373dfdd0b09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_ce527de9-1ba4-4a78-9f99-883a775490a6" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_b45dd03f-24d8-4feb-b1e3-1373dfdd0b09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedSecuritiesMember_3130f278-7a34-4831-9533-84c54872814b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CollateralizedSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_b45dd03f-24d8-4feb-b1e3-1373dfdd0b09" xlink:to="loc_us-gaap_CollateralizedSecuritiesMember_3130f278-7a34-4831-9533-84c54872814b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_43a011dc-44ea-4dce-89d7-dc815ad09333" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_b45dd03f-24d8-4feb-b1e3-1373dfdd0b09" xlink:to="loc_us-gaap_UnsecuredDebtMember_43a011dc-44ea-4dce-89d7-dc815ad09333" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_7ffadf8e-af58-4645-9278-56f57d519880" xlink:to="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_4c240cf7-c644-4ffd-96a5-0ba99a8a0b42" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_4c240cf7-c644-4ffd-96a5-0ba99a8a0b42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_f8d061ce-0da3-4cb9-8617-aa61b935594f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_4c240cf7-c644-4ffd-96a5-0ba99a8a0b42" xlink:to="loc_us-gaap_ProfitLoss_f8d061ce-0da3-4cb9-8617-aa61b935594f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_4c240cf7-c644-4ffd-96a5-0ba99a8a0b42" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_42c77e1e-7813-47c7-8a3a-e6ea259ead99" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_42c77e1e-7813-47c7-8a3a-e6ea259ead99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_4c617c72-b12f-44d9-82dd-8dbf9c0b01a1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_4c617c72-b12f-44d9-82dd-8dbf9c0b01a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationofBrokeredDepositPlacement_7aa18edc-130d-49de-86ae-7368a27c5f56" xlink:href="slm-20241231.xsd#slm_AmortizationofBrokeredDepositPlacement"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_slm_AmortizationofBrokeredDepositPlacement_7aa18edc-130d-49de-86ae-7368a27c5f56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfABCPUpfrontLoanFees_a5453e1c-1438-4ab5-9f8e-f60665bebcb9" xlink:href="slm-20241231.xsd#slm_AmortizationOfABCPUpfrontLoanFees"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_slm_AmortizationOfABCPUpfrontLoanFees_a5453e1c-1438-4ab5-9f8e-f60665bebcb9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_d7ca7463-96a9-4987-bdd0-0d786dfe51f1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_d7ca7463-96a9-4987-bdd0-0d786dfe51f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_a8bc6b38-3387-40e1-9faf-7eb62e05f24c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_a8bc6b38-3387-40e1-9faf-7eb62e05f24c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestIncomeonTaxIndemnificationReceivable_b69d849d-e9b1-4c9c-82de-65875b3f4ca6" xlink:href="slm-20241231.xsd#slm_InterestIncomeonTaxIndemnificationReceivable"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_slm_InterestIncomeonTaxIndemnificationReceivable_b69d849d-e9b1-4c9c-82de-65875b3f4ca6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_b54c369c-a181-49e1-b5bd-70cf75cc6c6e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Depreciation"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_Depreciation_b54c369c-a181-49e1-b5bd-70cf75cc6c6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_40e25e7c-d005-440b-a2c0-35532dc7b2ca" xlink:href="slm-20241231.xsd#slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_40e25e7c-d005-440b-a2c0-35532dc7b2ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_262363f7-fded-428a-996a-5c507606209a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensation"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_ShareBasedCompensation_262363f7-fded-428a-996a-5c507606209a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnDerivatives_ec1f219e-80ad-4f63-bd5e-48ff31ef27ce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrealizedGainLossOnDerivatives"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_UnrealizedGainLossOnDerivatives_ec1f219e-80ad-4f63-bd5e-48ff31ef27ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_ea4cd3ca-365e-4bc9-bcbd-8aef6ca71e2f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_ea4cd3ca-365e-4bc9-bcbd-8aef6ca71e2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_4b4f107d-4233-4506-b0e3-5e760ad63ec4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS_4b4f107d-4233-4506-b0e3-5e760ad63ec4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfAcquisitionCosts_f36ab736-76cb-4d26-ac02-4139990f37bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfAcquisitionCosts"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_AmortizationOfAcquisitionCosts_f36ab736-76cb-4d26-ac02-4139990f37bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_fe9b49f0-fb57-4e25-8cb5-8a661cde0233" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_fe9b49f0-fb57-4e25-8cb5-8a661cde0233" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOperatingAssetsAbstract"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_739ddf6a-0cb1-485b-99ac-ba8d3223a6a5" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_34986356-2a68-44ff-8b1a-53f9d1ed2c75" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_34986356-2a68-44ff-8b1a-53f9d1ed2c75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_3ff4e5d9-182c-4f8b-9c41-c6078f03b313" xlink:href="slm-20241231.xsd#slm_PaymentsToAcquireTradingSecuritiesHeldForSale"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_3ff4e5d9-182c-4f8b-9c41-c6078f03b313" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi_7afa3e92-400a-4930-ac5f-9acc2e3989de" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi_7afa3e92-400a-4930-ac5f-9acc2e3989de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets_ced814c5-784a-471d-829e-351fd9669858" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets_ced814c5-784a-471d-829e-351fd9669858" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_80c53e44-b550-4e23-a7bb-be891609ec45" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_80c53e44-b550-4e23-a7bb-be891609ec45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_d53ba636-0895-4991-ae74-0c38a14cf8e5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_d53ba636-0895-4991-ae74-0c38a14cf8e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_487ac212-d318-470c-9eee-5d4dcecf47a5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_487ac212-d318-470c-9eee-5d4dcecf47a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_560c5bc7-908b-4e83-9dc1-0fca146ecdf1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_560c5bc7-908b-4e83-9dc1-0fca146ecdf1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_ccbe979d-8a6d-4557-a593-635d6fcf4ee9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_369022c3-b16e-4bd5-9df7-d30443b2b338" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_ccbe979d-8a6d-4557-a593-635d6fcf4ee9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ba2052aa-cb5a-4a9f-b09f-3db1d95290a9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_4c240cf7-c644-4ffd-96a5-0ba99a8a0b42" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ba2052aa-cb5a-4a9f-b09f-3db1d95290a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StudentLoansacquiredandoriginated_7a1099a4-1ad8-4a10-aa45-5150f0e845ec" xlink:href="slm-20241231.xsd#slm_StudentLoansacquiredandoriginated"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_slm_StudentLoansacquiredandoriginated_7a1099a4-1ad8-4a10-aa45-5150f0e845ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale_257323b4-5f8e-4f93-9b65-e756049ece9f" xlink:href="slm-20241231.xsd#slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale_257323b4-5f8e-4f93-9b65-e756049ece9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ProceedsfromClaimpayments_40d4d5e1-985b-4c46-9713-72abb108c702" xlink:href="slm-20241231.xsd#slm_ProceedsfromClaimpayments"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_slm_ProceedsfromClaimpayments_40d4d5e1-985b-4c46-9713-72abb108c702" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale_4d9a60fa-8289-4d6b-9c06-4b74b9730417" xlink:href="slm-20241231.xsd#slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale_4d9a60fa-8289-4d6b-9c06-4b74b9730417" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_ad3b5a54-a49b-4303-8117-b8c482338c70" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_ad3b5a54-a49b-4303-8117-b8c482338c70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_4501edd9-2da4-426e-8871-194acc344f24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_4501edd9-2da4-426e-8871-194acc344f24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_1a6e678c-bb9e-4cc4-a696-aae8e7d78e08" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_1a6e678c-bb9e-4cc4-a696-aae8e7d78e08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_9dc74761-0eaf-45c6-9219-9c7274fc396d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_d968da04-ccb2-4404-b62b-760582ec2e23" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_9dc74761-0eaf-45c6-9219-9c7274fc396d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Cashpaidforbrokereddepositplacementfee_e6708a48-e70c-48d3-b137-7d010f9c49ea" xlink:href="slm-20241231.xsd#slm_Cashpaidforbrokereddepositplacementfee"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_slm_Cashpaidforbrokereddepositplacementfee_e6708a48-e70c-48d3-b137-7d010f9c49ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit_fd3184fc-4d8f-471d-8c10-71edec2d3868" xlink:href="slm-20241231.xsd#slm_Netincreasedecreaseinbrokeredcertificatesofdeposit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit_fd3184fc-4d8f-471d-8c10-71edec2d3868" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetincreaseinMMDAdeposits_f3536bdb-1ccd-41e9-bfb7-10b8b5c4c310" xlink:href="slm-20241231.xsd#slm_NetincreaseinMMDAdeposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_slm_NetincreaseinMMDAdeposits_f3536bdb-1ccd-41e9-bfb7-10b8b5c4c310" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_1976ba3d-5b2d-4935-a5bf-7367aeb17321" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_1976ba3d-5b2d-4935-a5bf-7367aeb17321" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BorrowingsCollateralizedByLoansInTrustIssued_5b670cd9-c6c7-4f5c-9320-a1011919e9f6" xlink:href="slm-20241231.xsd#slm_BorrowingsCollateralizedByLoansInTrustIssued"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_slm_BorrowingsCollateralizedByLoansInTrustIssued_5b670cd9-c6c7-4f5c-9320-a1011919e9f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BorrowingsCollateralizedByLoansInTrustRepaid_af7b96d1-42d8-42e7-8040-86d91b476057" xlink:href="slm-20241231.xsd#slm_BorrowingsCollateralizedByLoansInTrustRepaid"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_slm_BorrowingsCollateralizedByLoansInTrustRepaid_af7b96d1-42d8-42e7-8040-86d91b476057" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetIncreaseDecreaseinUpfrontLoanFees_6693e0b4-4c60-4d79-9cfb-bf7c0f18339d" xlink:href="slm-20241231.xsd#slm_NetIncreaseDecreaseinUpfrontLoanFees"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_slm_NetIncreaseDecreaseinUpfrontLoanFees_6693e0b4-4c60-4d79-9cfb-bf7c0f18339d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_d2d0d865-754c-4b71-8cde-7fe394e456f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_d2d0d865-754c-4b71-8cde-7fe394e456f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_25426028-e778-4fe6-8d91-1c85b4c06603" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_25426028-e778-4fe6-8d91-1c85b4c06603" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_1934565f-2b1d-425d-88b8-211a0d43f559" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_1934565f-2b1d-425d-88b8-211a0d43f559" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_709e936e-8bae-4d0d-b9c7-b110c83d1e1f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_76c29a5b-a215-4434-a8db-24a3097832cd" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_709e936e-8bae-4d0d-b9c7-b110c83d1e1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_b6f29174-a732-43f7-8325-b11b3048a740" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_b6f29174-a732-43f7-8325-b11b3048a740" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_2aa40618-dc89-4947-8bbe-7941e1446d8c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_2aa40618-dc89-4947-8bbe-7941e1446d8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_664230b8-c8e3-4881-94df-23c5ef9b3f3a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_664230b8-c8e3-4881-94df-23c5ef9b3f3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract_b3cc995c-ef3d-4ab7-b48c-edc0d07a4cd8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_SupplementalCashFlowInformationAbstract_b3cc995c-ef3d-4ab7-b48c-edc0d07a4cd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet_db47f2da-f0d1-4537-bb7a-3558dadd1362" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestPaidNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_b3cc995c-ef3d-4ab7-b48c-edc0d07a4cd8" xlink:to="loc_us-gaap_InterestPaidNet_db47f2da-f0d1-4537-bb7a-3558dadd1362" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaid_d8b1bac9-0dc4-4840-9588-cc892c29d09e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxesPaid"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_b3cc995c-ef3d-4ab7-b48c-edc0d07a4cd8" xlink:to="loc_us-gaap_IncomeTaxesPaid_d8b1bac9-0dc4-4840-9588-cc892c29d09e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIncomeTaxRefunds_4e15156e-b1e5-490d-a7f2-070313c0385d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromIncomeTaxRefunds"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_b3cc995c-ef3d-4ab7-b48c-edc0d07a4cd8" xlink:to="loc_us-gaap_ProceedsFromIncomeTaxRefunds_4e15156e-b1e5-490d-a7f2-070313c0385d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_dc58a9ac-4818-43a0-b14d-d193ac2b5a24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_dc58a9ac-4818-43a0-b14d-d193ac2b5a24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_45d7a0f9-dffa-45a4-89cd-332fdaac89cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_dc58a9ac-4818-43a0-b14d-d193ac2b5a24" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_45d7a0f9-dffa-45a4-89cd-332fdaac89cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndInvestments_f6b6b875-14be-420f-840d-42d476dc8850" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAndInvestments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_dc58a9ac-4818-43a0-b14d-d193ac2b5a24" xlink:to="loc_us-gaap_RestrictedCashAndInvestments_f6b6b875-14be-420f-840d-42d476dc8850" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_e8ce0e99-0829-485b-8627-4f84466413ae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_dc58a9ac-4818-43a0-b14d-d193ac2b5a24" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_e8ce0e99-0829-485b-8627-4f84466413ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_7d641dc6-6007-46c9-8e88-d6a3c5e2306b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoncashInvestingAndFinancingItemsAbstract"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_8d328f8e-15ca-4588-8f77-054a0001b436" xlink:to="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_7d641dc6-6007-46c9-8e88-d6a3c5e2306b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestCostsCapitalized_9ee9f619-49d0-4f3f-8e25-bba338b0a834" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestCostsCapitalized"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_7d641dc6-6007-46c9-8e88-d6a3c5e2306b" xlink:to="loc_us-gaap_InterestCostsCapitalized_9ee9f619-49d0-4f3f-8e25-bba338b0a834" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TradingInvestmentReceivedInConsiderationForLoansSold_c9735076-4ac5-4aff-9461-be53d8be1392" xlink:href="slm-20241231.xsd#slm_TradingInvestmentReceivedInConsiderationForLoansSold"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_7d641dc6-6007-46c9-8e88-d6a3c5e2306b" xlink:to="loc_slm_TradingInvestmentReceivedInConsiderationForLoansSold_c9735076-4ac5-4aff-9461-be53d8be1392" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold_71b27434-a471-4636-89b3-0b12586918c1" xlink:href="slm-20241231.xsd#slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_7d641dc6-6007-46c9-8e88-d6a3c5e2306b" xlink:to="loc_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold_71b27434-a471-4636-89b3-0b12586918c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/OrganizationandBusiness" xlink:type="simple" xlink:href="slm-20241231.xsd#OrganizationandBusiness"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/OrganizationandBusiness" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_20bfea2c-37d4-4562-a738-0457dd39c8a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_77520b5e-2e2c-4e55-8305-3c9562b85a9c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_20bfea2c-37d4-4562-a738-0457dd39c8a8" xlink:to="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_77520b5e-2e2c-4e55-8305-3c9562b85a9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SignificantAccountingPolicies" xlink:type="simple" xlink:href="slm-20241231.xsd#SignificantAccountingPolicies"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SignificantAccountingPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_1f22d93b-9b84-44b4-992a-213fd83226a4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantAccountingPoliciesTextBlock_8fe6440c-12c6-4d04-a1f0-7d24d0bd9e62" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SignificantAccountingPoliciesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_1f22d93b-9b84-44b4-992a-213fd83226a4" xlink:to="loc_us-gaap_SignificantAccountingPoliciesTextBlock_8fe6440c-12c6-4d04-a1f0-7d24d0bd9e62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CashandCashEquivalents" xlink:type="simple" xlink:href="slm-20241231.xsd#CashandCashEquivalents"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/CashandCashEquivalents" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAbstract_851c92d4-41c7-45ba-85a9-a89adc0470dc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsDisclosureTextBlock_8345c62d-aec6-48dd-b538-52673507fbd0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashAndCashEquivalentsAbstract_851c92d4-41c7-45ba-85a9-a89adc0470dc" xlink:to="loc_us-gaap_CashAndCashEquivalentsDisclosureTextBlock_8345c62d-aec6-48dd-b538-52673507fbd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/Investments" xlink:type="simple" xlink:href="slm-20241231.xsd#Investments"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/Investments" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_b42a6d09-24bb-4ae2-b086-0040f36af0d3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_4632b102-257a-4f35-a555-d3db7dc93593" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_b42a6d09-24bb-4ae2-b086-0040f36af0d3" xlink:to="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_4632b102-257a-4f35-a555-d3db7dc93593" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestment" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestment"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestment" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_7c0cf0c5-60bd-410e-bf41-48db51008ae3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_a455c6c9-b5d4-4093-885d-8f5c837d275b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_7c0cf0c5-60bd-410e-bf41-48db51008ae3" xlink:to="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_a455c6c9-b5d4-4093-885d-8f5c837d275b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitments" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitments"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitments" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_80e59f0d-9b9e-4b03-9e5a-c6610b3a505d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesTextBlock_98a36d5a-5f6a-4dc1-8f80-79de26db67df" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AllowanceForCreditLossesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_80e59f0d-9b9e-4b03-9e5a-c6610b3a505d" xlink:to="loc_us-gaap_AllowanceForCreditLossesTextBlock_98a36d5a-5f6a-4dc1-8f80-79de26db67df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/PremisesandEquipmentNet" xlink:type="simple" xlink:href="slm-20241231.xsd#PremisesandEquipmentNet"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/PremisesandEquipmentNet" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAbstract_2683d450-94da-43d1-ad25-58859ebc4136" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_876ed285-e82c-44ad-ae6c-d481bc803301" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentAbstract_2683d450-94da-43d1-ad25-58859ebc4136" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_876ed285-e82c-44ad-ae6c-d481bc803301" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssets" xlink:type="simple" xlink:href="slm-20241231.xsd#GoodwillandAcquiredIntangibleAssets"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssets" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_febf7a8e-b3eb-49f5-97bf-ec5a944475ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_6595924e-d930-487f-9527-7677fa50d6f6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_febf7a8e-b3eb-49f5-97bf-ec5a944475ed" xlink:to="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_6595924e-d930-487f-9527-7677fa50d6f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/Deposits" xlink:type="simple" xlink:href="slm-20241231.xsd#Deposits"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/Deposits" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract_be403626-40c9-4651-addb-bacc518afb46" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock_9a4c6f98-1069-47cd-ab7a-05ad9c094c9f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_be403626-40c9-4651-addb-bacc518afb46" xlink:to="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock_9a4c6f98-1069-47cd-ab7a-05ad9c094c9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/Borrowings" xlink:type="simple" xlink:href="slm-20241231.xsd#Borrowings"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/Borrowings" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_7b092a45-b11c-4b11-a7a1-87eecc387c26" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureTextBlock_90811264-dc1e-4593-a2a6-7a91e60832a7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_7b092a45-b11c-4b11-a7a1-87eecc387c26" xlink:to="loc_us-gaap_DebtDisclosureTextBlock_90811264-dc1e-4593-a2a6-7a91e60832a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstruments" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstruments"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstruments" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e487f021-83f4-4059-bb77-403bc908defe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_7c6fa6d0-4ed1-4518-8bc4-e3636ef70a85" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e487f021-83f4-4059-bb77-403bc908defe" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_7c6fa6d0-4ed1-4518-8bc4-e3636ef70a85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockholdersEquity" xlink:type="simple" xlink:href="slm-20241231.xsd#StockholdersEquity"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockholdersEquity" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_6f7cd1c8-1a3d-4ca0-94d1-ab08fbf6fae3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_ecef5f69-1018-4d26-b827-681942849585" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_6f7cd1c8-1a3d-4ca0-94d1-ab08fbf6fae3" xlink:to="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_ecef5f69-1018-4d26-b827-681942849585" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/EarningsPerCommonShare" xlink:type="simple" xlink:href="slm-20241231.xsd#EarningsPerCommonShare"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/EarningsPerCommonShare" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_0addd513-971a-450a-a27c-a957937286fe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareTextBlock_220d9448-25aa-46b3-bbde-6abea15e3e33" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_0addd513-971a-450a-a27c-a957937286fe" xlink:to="loc_us-gaap_EarningsPerShareTextBlock_220d9448-25aa-46b3-bbde-6abea15e3e33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangements" xlink:type="simple" xlink:href="slm-20241231.xsd#StockBasedCompensationPlansandArrangements"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_fa1b6486-aa34-4cb6-a85e-c8f8bbaae382" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_2a5d2cdc-56ce-4cef-90a6-3e36ac48f109" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_fa1b6486-aa34-4cb6-a85e-c8f8bbaae382" xlink:to="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_2a5d2cdc-56ce-4cef-90a6-3e36ac48f109" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurements" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurements"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/FairValueMeasurements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_185ed23e-7964-4f48-8d85-768011fd7abe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_cb7e3e7d-6cab-4652-bb2f-11ba4468d9b9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_185ed23e-7964-4f48-8d85-768011fd7abe" xlink:to="loc_us-gaap_FairValueDisclosuresTextBlock_cb7e3e7d-6cab-4652-bb2f-11ba4468d9b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/RegulatoryCapital" xlink:type="simple" xlink:href="slm-20241231.xsd#RegulatoryCapital"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/RegulatoryCapital" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_b03b65a8-c732-444f-b469-327fd2899062" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_beeed966-f4b6-4b08-8ed7-0086934e2b8d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_b03b65a8-c732-444f-b469-327fd2899062" xlink:to="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_beeed966-f4b6-4b08-8ed7-0086934e2b8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DefinedContributionPlans" xlink:type="simple" xlink:href="slm-20241231.xsd#DefinedContributionPlans"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DefinedContributionPlans" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_999bcd2c-5b7d-4922-ac70-263047e8eefb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_bc496e4e-19c7-4a7b-932f-8445e739acb4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CompensationAndEmployeeBenefitPlansTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_999bcd2c-5b7d-4922-ac70-263047e8eefb" xlink:to="loc_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_bc496e4e-19c7-4a7b-932f-8445e739acb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CommitmentsContingenciesandGuarantees" xlink:type="simple" xlink:href="slm-20241231.xsd#CommitmentsContingenciesandGuarantees"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/CommitmentsContingenciesandGuarantees" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_07ca7c9c-8656-4fd4-a215-dd3a80a4925d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_e18afb10-9814-4184-9464-4a193d704683" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_07ca7c9c-8656-4fd4-a215-dd3a80a4925d" xlink:to="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_e18afb10-9814-4184-9464-4a193d704683" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/IncomeTaxes" xlink:type="simple" xlink:href="slm-20241231.xsd#IncomeTaxes"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/IncomeTaxes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_1932227f-0926-42e3-8f27-1c4eba849179" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock_1cddf74b-4875-402b-9c96-7465644f9088" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_1932227f-0926-42e3-8f27-1c4eba849179" xlink:to="loc_us-gaap_IncomeTaxDisclosureTextBlock_1cddf74b-4875-402b-9c96-7465644f9088" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ConcentrationsofRisk" xlink:type="simple" xlink:href="slm-20241231.xsd#ConcentrationsofRisk"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/ConcentrationsofRisk" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RisksAndUncertaintiesAbstract_b7e461b1-5b31-4aa9-884a-c5165a2d2b6f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RisksAndUncertaintiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskDisclosureTextBlock_29b56873-e5c3-402c-8740-a0118cb19eff" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConcentrationRiskDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RisksAndUncertaintiesAbstract_b7e461b1-5b31-4aa9-884a-c5165a2d2b6f" xlink:to="loc_us-gaap_ConcentrationRiskDisclosureTextBlock_29b56873-e5c3-402c-8740-a0118cb19eff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ParentOnlyStatements" xlink:type="simple" xlink:href="slm-20241231.xsd#ParentOnlyStatements"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/ParentOnlyStatements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_e51b30e1-ff99-4b57-bdbf-264dfc813f33" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_63fada61-cda0-4c73-9421-1634f92992dd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_e51b30e1-ff99-4b57-bdbf-264dfc813f33" xlink:to="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_63fada61-cda0-4c73-9421-1634f92992dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SegmentReporting" xlink:type="simple" xlink:href="slm-20241231.xsd#SegmentReporting"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SegmentReporting" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_4a789cdd-7fb8-46ac-9db9-19d49cad04b3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock_0e42dddf-2c5e-4cdb-9fd9-5405120f453d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentReportingDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_4a789cdd-7fb8-46ac-9db9-19d49cad04b3" xlink:to="loc_us-gaap_SegmentReportingDisclosureTextBlock_0e42dddf-2c5e-4cdb-9fd9-5405120f453d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SubsequentEvents" xlink:type="simple" xlink:href="slm-20241231.xsd#SubsequentEvents"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SubsequentEvents" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsAbstract_d8238502-f986-4212-b874-e32abb76f702" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsTextBlock_f0d3b2cb-2f86-4078-a21d-b45581cb2eeb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventsAbstract_d8238502-f986-4212-b874-e32abb76f702" xlink:to="loc_us-gaap_SubsequentEventsTextBlock_f0d3b2cb-2f86-4078-a21d-b45581cb2eeb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies" xlink:type="simple" xlink:href="slm-20241231.xsd#SignificantAccountingPoliciesPolicies"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UseOfEstimates_319642f4-8afd-4194-a6a4-e3d7eeeb71e6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UseOfEstimates"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_UseOfEstimates_319642f4-8afd-4194-a6a4-e3d7eeeb71e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationPolicyTextBlock_ff6c244a-ffaf-4b0b-8f5b-f719e6b0393c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConsolidationPolicyTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_ConsolidationPolicyTextBlock_ff6c244a-ffaf-4b0b-8f5b-f719e6b0393c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock_c0475ce7-c970-41aa-8f14-44332d5886e8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock_c0475ce7-c970-41aa-8f14-44332d5886e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentPolicyTextBlock_361a0b05-a180-4e48-b0f4-440d8feb7d75" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentPolicyTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_InvestmentPolicyTextBlock_361a0b05-a180-4e48-b0f4-440d8feb7d75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy_b5b4495b-93fc-468e-aa6d-937651942471" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy_b5b4495b-93fc-468e-aa6d-937651942471" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLoansAndLeasesReceivablePolicy_8e1c83ae-55e3-4fce-8935-757f548edb2c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinanceLoansAndLeasesReceivablePolicy"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_FinanceLoansAndLeasesReceivablePolicy_8e1c83ae-55e3-4fce-8935-757f548edb2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansHeldForSalePolicyTextBlock_bcc5aac6-28ba-46a9-b4c5-f69be24a3425" xlink:href="slm-20241231.xsd#slm_LoansHeldForSalePolicyTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_slm_LoansHeldForSalePolicyTextBlock_bcc5aac6-28ba-46a9-b4c5-f69be24a3425" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_RestrictedCashandInvestmentsPolicyTextBlock_aff5f87e-65dd-40c3-8d1b-5f4563f594ab" xlink:href="slm-20241231.xsd#slm_RestrictedCashandInvestmentsPolicyTextBlock"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_slm_RestrictedCashandInvestmentsPolicyTextBlock_aff5f87e-65dd-40c3-8d1b-5f4563f594ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock_b72157e0-aa3f-46cc-bf7d-af2a3c1581d7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditLossFinancialInstrumentPolicyTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock_b72157e0-aa3f-46cc-bf7d-af2a3c1581d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock_a9eed5d3-4da4-4690-b923-c39b8557dac5" xlink:href="slm-20241231.xsd#slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock_a9eed5d3-4da4-4690-b923-c39b8557dac5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_234d3bce-db51-4311-86f9-3a108fbfbca4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock_234d3bce-db51-4311-86f9-3a108fbfbca4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForCreditCardLoansPolicyTextBlock_c798c1e6-64ba-49d3-a3e2-8d29261a4bda" xlink:href="slm-20241231.xsd#slm_AllowanceForCreditCardLoansPolicyTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_slm_AllowanceForCreditCardLoansPolicyTextBlock_c798c1e6-64ba-49d3-a3e2-8d29261a4bda" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock_7cf2f37c-8256-4b49-afc9-07c2acc4a433" xlink:href="slm-20241231.xsd#slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock_7cf2f37c-8256-4b49-afc9-07c2acc4a433" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationsPolicy_cdd8d740-f540-4fdc-a2a7-c0d97e3d57d2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationsPolicy"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_BusinessCombinationsPolicy_cdd8d740-f540-4fdc-a2a7-c0d97e3d57d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock_505f2318-c6b8-4824-8561-cdb2b2799944" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock_505f2318-c6b8-4824-8561-cdb2b2799944" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DepositsPolicyTextBlock_21b54f84-fa15-4086-811e-e43e81318937" xlink:href="slm-20241231.xsd#slm_DepositsPolicyTextBlock"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_slm_DepositsPolicyTextBlock_21b54f84-fa15-4086-811e-e43e81318937" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOfFinancialInstrumentsPolicy_79e3ae41-52fa-4954-8424-cf518bf235b7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueOfFinancialInstrumentsPolicy"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_FairValueOfFinancialInstrumentsPolicy_79e3ae41-52fa-4954-8424-cf518bf235b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy_0f7c3a3f-9962-41d7-abd1-5145f45dbe60" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy_0f7c3a3f-9962-41d7-abd1-5145f45dbe60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpensePolicyTextBlock_24c6720b-47e1-4895-9cba-d856a2a82dc8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpensePolicyTextBlock"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_InterestExpensePolicyTextBlock_24c6720b-47e1-4895-9cba-d856a2a82dc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy_ad617ae3-7fce-4e21-9ff3-72f64f234825" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy_ad617ae3-7fce-4e21-9ff3-72f64f234825" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OtherIncomePolicyPolicyTextBlock_12e236f0-f913-4648-938f-821cbc96494c" xlink:href="slm-20241231.xsd#slm_OtherIncomePolicyPolicyTextBlock"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_slm_OtherIncomePolicyPolicyTextBlock_12e236f0-f913-4648-938f-821cbc96494c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy_737f1d4d-1b7e-488c-8e16-344082467079" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy_737f1d4d-1b7e-488c-8e16-344082467079" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesPolicyTextBlock_0dae7814-56e7-4a45-ace1-2bb20b5a350e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativesPolicyTextBlock"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_DerivativesPolicyTextBlock_0dae7814-56e7-4a45-ace1-2bb20b5a350e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationRelatedCostsPolicyTextBlock_be63fbe5-5621-4e50-a290-cf0c25013fad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CompensationRelatedCostsPolicyTextBlock"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_CompensationRelatedCostsPolicyTextBlock_be63fbe5-5621-4e50-a290-cf0c25013fad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPolicyTextBlock_0e355352-daae-4220-a916-c435389c1cbf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxPolicyTextBlock"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_IncomeTaxPolicyTextBlock_0e355352-daae-4220-a916-c435389c1cbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_b9189e7a-d4ab-43f6-8c21-42e586664daf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_d772302b-1a08-4efe-829c-5fbc5a857bba" xlink:to="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_b9189e7a-d4ab-43f6-8c21-42e586664daf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/InvestmentsTables" xlink:type="simple" xlink:href="slm-20241231.xsd#InvestmentsTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/InvestmentsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_938fbbc0-98aa-44d0-9f7a-ad51438f2b11" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock_e63ea18a-71e8-496b-934f-fded8e395ae7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_938fbbc0-98aa-44d0-9f7a-ad51438f2b11" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock_e63ea18a-71e8-496b-934f-fded8e395ae7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock_6b3d338b-bfce-4679-aad6-8dfefdfb208d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_938fbbc0-98aa-44d0-9f7a-ad51438f2b11" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock_6b3d338b-bfce-4679-aad6-8dfefdfb208d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_3b4916a6-ab48-4620-84cc-aa03f059359c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_938fbbc0-98aa-44d0-9f7a-ad51438f2b11" xlink:to="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_3b4916a6-ab48-4620-84cc-aa03f059359c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentTables" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_aebba092-bbc8-4a9a-86b4-a483fb476cbe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_58437c8b-5685-40e5-a41a-e04ef79677b7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_aebba092-bbc8-4a9a-86b4-a483fb476cbe" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_58437c8b-5685-40e5-a41a-e04ef79677b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansheldforinvestmentbyRegionTableTextBlock_81bb82a7-8daa-48a5-ace4-c752d615e9c3" xlink:href="slm-20241231.xsd#slm_LoansheldforinvestmentbyRegionTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_aebba092-bbc8-4a9a-86b4-a483fb476cbe" xlink:to="loc_slm_LoansheldforinvestmentbyRegionTableTextBlock_81bb82a7-8daa-48a5-ace4-c752d615e9c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_abbaed49-d682-44f8-9855-124c97f1aa60" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_aebba092-bbc8-4a9a-86b4-a483fb476cbe" xlink:to="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_abbaed49-d682-44f8-9855-124c97f1aa60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsTables" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_49af6544-111d-4623-8785-3cf1ebf7b240" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_69fea903-2375-45ea-a0b2-98691a61b4d8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_49af6544-111d-4623-8785-3cf1ebf7b240" xlink:to="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_69fea903-2375-45ea-a0b2-98691a61b4d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivablesAmortizedCostBasisTableTextBlock_40f54b6f-0365-4bdb-b27a-03f0111a8aa1" xlink:href="slm-20241231.xsd#slm_FinancingReceivablesAmortizedCostBasisTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_49af6544-111d-4623-8785-3cf1ebf7b240" xlink:to="loc_slm_FinancingReceivablesAmortizedCostBasisTableTextBlock_40f54b6f-0365-4bdb-b27a-03f0111a8aa1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock_e93e2fe7-e89a-4613-b538-4f25513fb508" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_49af6544-111d-4623-8785-3cf1ebf7b240" xlink:to="loc_us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock_e93e2fe7-e89a-4613-b538-4f25513fb508" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_531eb9dd-036b-4229-ad3d-97086d762b59" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_49af6544-111d-4623-8785-3cf1ebf7b240" xlink:to="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_531eb9dd-036b-4229-ad3d-97086d762b59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_8d29780f-9fa9-4fe9-91df-bfb41f76c07e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_49af6544-111d-4623-8785-3cf1ebf7b240" xlink:to="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_8d29780f-9fa9-4fe9-91df-bfb41f76c07e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableTableTextBlock_8a7f727e-6768-4bcf-a21c-019583567da7" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableTableTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_49af6544-111d-4623-8785-3cf1ebf7b240" xlink:to="loc_slm_AccruedInterestReceivableTableTextBlock_8a7f727e-6768-4bcf-a21c-019583567da7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/PremisesandEquipmentNetTables" xlink:type="simple" xlink:href="slm-20241231.xsd#PremisesandEquipmentNetTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/PremisesandEquipmentNetTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAbstract_441b91e4-cd9c-480f-b266-bd2036f82762" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTextBlock_9503a561-7b40-4e61-839f-79e89724df37" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentAbstract_441b91e4-cd9c-480f-b266-bd2036f82762" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTextBlock_9503a561-7b40-4e61-839f-79e89724df37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsTables" xlink:type="simple" xlink:href="slm-20241231.xsd#GoodwillandAcquiredIntangibleAssetsTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_97210868-a23c-4b00-ba9d-84e5863449be" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_c449101e-8610-4768-a2f6-968aa1001d0c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_97210868-a23c-4b00-ba9d-84e5863449be" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_c449101e-8610-4768-a2f6-968aa1001d0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DepositsTables" xlink:type="simple" xlink:href="slm-20241231.xsd#DepositsTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DepositsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract_41ca49e1-e49f-4908-a925-f75a2283d215" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ScheduleofDepositsTableTextBlock_e1f037f3-008a-4833-8605-657eaa152ee0" xlink:href="slm-20241231.xsd#slm_ScheduleofDepositsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_41ca49e1-e49f-4908-a925-f75a2283d215" xlink:to="loc_slm_ScheduleofDepositsTableTextBlock_e1f037f3-008a-4833-8605-657eaa152ee0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestBearingDepositsTableTextBlock_b56d3b0e-97dd-4f89-a8f8-3c37c3602737" xlink:href="slm-20241231.xsd#slm_InterestBearingDepositsTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_41ca49e1-e49f-4908-a925-f75a2283d215" xlink:to="loc_slm_InterestBearingDepositsTableTextBlock_b56d3b0e-97dd-4f89-a8f8-3c37c3602737" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock_cb031746-7fbf-4daa-ab6a-cc72d2a02d87" xlink:href="slm-20241231.xsd#slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_41ca49e1-e49f-4908-a925-f75a2283d215" xlink:to="loc_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock_cb031746-7fbf-4daa-ab6a-cc72d2a02d87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsTables" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/BorrowingsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_7b733235-e687-4814-8efa-3a9112a11979" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDebtTableTextBlock_897ccdca-e88e-4b0b-ab21-31a417e50a97" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfDebtTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_7b733235-e687-4814-8efa-3a9112a11979" xlink:to="loc_us-gaap_ScheduleOfDebtTableTextBlock_897ccdca-e88e-4b0b-ab21-31a417e50a97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDebtInstrumentsTextBlock_211bc621-ef1a-49ab-a510-213c7204db5f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfDebtInstrumentsTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_7b733235-e687-4814-8efa-3a9112a11979" xlink:to="loc_us-gaap_ScheduleOfDebtInstrumentsTextBlock_211bc621-ef1a-49ab-a510-213c7204db5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_1486c28c-4bb3-4388-9fa2-8c8fd72ed9fb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_7b733235-e687-4814-8efa-3a9112a11979" xlink:to="loc_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_1486c28c-4bb3-4388-9fa2-8c8fd72ed9fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock_4b06224c-aab9-4381-9976-8b90843fe01d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_7b733235-e687-4814-8efa-3a9112a11979" xlink:to="loc_us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock_4b06224c-aab9-4381-9976-8b90843fe01d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_b2207a06-5359-442d-849e-0c2a83b36550" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_7b733235-e687-4814-8efa-3a9112a11979" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_b2207a06-5359-442d-849e-0c2a83b36550" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsTables" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1b5161e6-4bbb-4d3d-8d14-cb33980432b1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_3d5b1f79-39a4-48c9-87cb-0079d73eddec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1b5161e6-4bbb-4d3d-8d14-cb33980432b1" xlink:to="loc_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_3d5b1f79-39a4-48c9-87cb-0079d73eddec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsTableTextBlock_ec78e316-ff29-4c2a-adfc-c98c8c26ddec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffsettingAssetsTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1b5161e6-4bbb-4d3d-8d14-cb33980432b1" xlink:to="loc_us-gaap_OffsettingAssetsTableTextBlock_ec78e316-ff29-4c2a-adfc-c98c8c26ddec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingLiabilitiesTableTextBlock_ed5ba1a7-3dee-4c75-8eb2-1258cefe77b9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffsettingLiabilitiesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1b5161e6-4bbb-4d3d-8d14-cb33980432b1" xlink:to="loc_us-gaap_OffsettingLiabilitiesTableTextBlock_ed5ba1a7-3dee-4c75-8eb2-1258cefe77b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock_cf228502-d81f-4ab1-9926-cce82983a2dc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1b5161e6-4bbb-4d3d-8d14-cb33980432b1" xlink:to="loc_us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock_cf228502-d81f-4ab1-9926-cce82983a2dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_32322d36-d9d3-4230-8f16-3597f368b925" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1b5161e6-4bbb-4d3d-8d14-cb33980432b1" xlink:to="loc_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_32322d36-d9d3-4230-8f16-3597f368b925" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_b9a86ba0-c9de-4142-97a1-7a14b27f1aab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1b5161e6-4bbb-4d3d-8d14-cb33980432b1" xlink:to="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_b9a86ba0-c9de-4142-97a1-7a14b27f1aab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_44d8e68b-a79f-491c-8098-66caf87a7647" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1b5161e6-4bbb-4d3d-8d14-cb33980432b1" xlink:to="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_44d8e68b-a79f-491c-8098-66caf87a7647" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockholdersEquityTables" xlink:type="simple" xlink:href="slm-20241231.xsd#StockholdersEquityTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockholdersEquityTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_99c0a882-9474-4812-b25a-d6013ccdd349" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTreasuryStockByClassTextBlock_e2e2a739-043b-4add-bead-29faec9ab383" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfTreasuryStockByClassTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_99c0a882-9474-4812-b25a-d6013ccdd349" xlink:to="loc_us-gaap_ScheduleOfTreasuryStockByClassTextBlock_e2e2a739-043b-4add-bead-29faec9ab383" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/EarningsPerCommonShareTables" xlink:type="simple" xlink:href="slm-20241231.xsd#EarningsPerCommonShareTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/EarningsPerCommonShareTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_e2b97a29-ee56-4e8b-a32d-fcd438b45d8e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_0a51c956-6153-4081-a16a-7369193d4e9d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_e2b97a29-ee56-4e8b-a32d-fcd438b45d8e" xlink:to="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_0a51c956-6153-4081-a16a-7369193d4e9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsTables" xlink:type="simple" xlink:href="slm-20241231.xsd#StockBasedCompensationPlansandArrangementsTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_f0116217-1d95-43fa-a718-389aa3948151" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_94407760-e90f-43a3-92a3-a3cdcf0ccef4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_f0116217-1d95-43fa-a718-389aa3948151" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_94407760-e90f-43a3-92a3-a3cdcf0ccef4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock_5acd2752-65f0-4006-8cd5-dfa82e189eec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_f0116217-1d95-43fa-a718-389aa3948151" xlink:to="loc_us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock_5acd2752-65f0-4006-8cd5-dfa82e189eec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock_c607445f-06d0-4e05-a241-aae13de9fc53" xlink:href="slm-20241231.xsd#slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_f0116217-1d95-43fa-a718-389aa3948151" xlink:to="loc_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock_c607445f-06d0-4e05-a241-aae13de9fc53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock_0c52d3bb-d11f-42cf-a26d-cc14d748e2cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_f0116217-1d95-43fa-a718-389aa3948151" xlink:to="loc_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock_0c52d3bb-d11f-42cf-a26d-cc14d748e2cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsTables" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_2f7e5452-1479-47c8-baf2-4fb099b03c11" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_11412aa0-9ddd-4159-9fc6-cd869c79f462" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_2f7e5452-1479-47c8-baf2-4fb099b03c11" xlink:to="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_11412aa0-9ddd-4159-9fc6-cd869c79f462" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_4c73f037-99d7-47fb-a56a-02b0a3b61a62" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_2f7e5452-1479-47c8-baf2-4fb099b03c11" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_4c73f037-99d7-47fb-a56a-02b0a3b61a62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_d544eccb-344f-4c0f-903f-6a4c898d8c29" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_2f7e5452-1479-47c8-baf2-4fb099b03c11" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_d544eccb-344f-4c0f-903f-6a4c898d8c29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_8be1e7b5-a5a2-444b-b238-6aaba23f0a10" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_2f7e5452-1479-47c8-baf2-4fb099b03c11" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_8be1e7b5-a5a2-444b-b238-6aaba23f0a10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/RegulatoryCapitalTables" xlink:type="simple" xlink:href="slm-20241231.xsd#RegulatoryCapitalTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/RegulatoryCapitalTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_e6608d90-2e36-4150-878b-e791256da60d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_ea814446-3274-4475-993a-fd77af909237" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_e6608d90-2e36-4150-878b-e791256da60d" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_ea814446-3274-4475-993a-fd77af909237" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/IncomeTaxesTables" xlink:type="simple" xlink:href="slm-20241231.xsd#IncomeTaxesTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/IncomeTaxesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_4741cb47-53a1-4518-ac2a-d64fb9c6ff0e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_8134fc5c-1381-49e9-b3be-d10581d1d991" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4741cb47-53a1-4518-ac2a-d64fb9c6ff0e" xlink:to="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_8134fc5c-1381-49e9-b3be-d10581d1d991" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_1aae0637-1c40-45cb-b1c3-79727ead6e2b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4741cb47-53a1-4518-ac2a-d64fb9c6ff0e" xlink:to="loc_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_1aae0637-1c40-45cb-b1c3-79727ead6e2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_53828fbc-3884-4754-83df-b908566d0202" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4741cb47-53a1-4518-ac2a-d64fb9c6ff0e" xlink:to="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_53828fbc-3884-4754-83df-b908566d0202" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock_454bc131-d955-4bc8-aa76-d8d4dceaaa8b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4741cb47-53a1-4518-ac2a-d64fb9c6ff0e" xlink:to="loc_us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock_454bc131-d955-4bc8-aa76-d8d4dceaaa8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ParentOnlyStatementsTables" xlink:type="simple" xlink:href="slm-20241231.xsd#ParentOnlyStatementsTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/ParentOnlyStatementsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_76a38372-9a1b-4143-b466-ce85ef425d82" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_d86d4f78-3079-4c5a-8f7e-494d8f569275" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ScheduleOfCondensedBalanceSheetTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_76a38372-9a1b-4143-b466-ce85ef425d82" xlink:to="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_d86d4f78-3079-4c5a-8f7e-494d8f569275" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedIncomeStatementTableTextBlock_fed16a57-7f27-43d6-93b6-aafec9725091" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ScheduleOfCondensedIncomeStatementTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_76a38372-9a1b-4143-b466-ce85ef425d82" xlink:to="loc_srt_ScheduleOfCondensedIncomeStatementTableTextBlock_fed16a57-7f27-43d6-93b6-aafec9725091" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_0c1e1d20-7995-4f67-a816-849af12c5b8e" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ScheduleOfCondensedCashFlowStatementTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_76a38372-9a1b-4143-b466-ce85ef425d82" xlink:to="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_0c1e1d20-7995-4f67-a816-849af12c5b8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SegmentReportingTables" xlink:type="simple" xlink:href="slm-20241231.xsd#SegmentReportingTables"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SegmentReportingTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_3ccbef89-d8b0-4b43-9a68-5f903dfa3b8b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_cfad1ba3-e160-4a38-bfa6-423d7c297156" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_3ccbef89-d8b0-4b43-9a68-5f903dfa3b8b" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_cfad1ba3-e160-4a38-bfa6-423d7c297156" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesTradingInvestmentsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SignificantAccountingPoliciesTradingInvestmentsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SignificantAccountingPoliciesTradingInvestmentsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_180362a2-e176-40e9-b30d-2b4a01645689" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_VerticalRiskRetentionPercentage_4d99da5d-3bb1-4d28-a6a5-426dc2feace4" xlink:href="slm-20241231.xsd#slm_VerticalRiskRetentionPercentage"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_180362a2-e176-40e9-b30d-2b4a01645689" xlink:to="loc_slm_VerticalRiskRetentionPercentage_4d99da5d-3bb1-4d28-a6a5-426dc2feace4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_b1d4c846-a366-4d49-bd08-0baccfee7b1f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_8baa9275-8681-4b3d-b562-8293d8016995" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_b1d4c846-a366-4d49-bd08-0baccfee7b1f" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_8baa9275-8681-4b3d-b562-8293d8016995" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_fe9abb02-4ec9-4b2a-b8ed-a1e10176e716" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_8baa9275-8681-4b3d-b562-8293d8016995" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_fe9abb02-4ec9-4b2a-b8ed-a1e10176e716" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_ac6e1e9c-5910-422d-8dd6-94199e2aefcb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_fe9abb02-4ec9-4b2a-b8ed-a1e10176e716" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_ac6e1e9c-5910-422d-8dd6-94199e2aefcb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditCardsMember_64300e51-86ba-41d4-921b-bb0014e72c1f" xlink:href="slm-20241231.xsd#slm_CreditCardsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_ac6e1e9c-5910-422d-8dd6-94199e2aefcb" xlink:to="loc_slm_CreditCardsMember_64300e51-86ba-41d4-921b-bb0014e72c1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditCardMember_e12499b0-8421-4922-abe4-58fa9f863b39" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditCardMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_ac6e1e9c-5910-422d-8dd6-94199e2aefcb" xlink:to="loc_us-gaap_CreditCardMember_e12499b0-8421-4922-abe4-58fa9f863b39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_8baa9275-8681-4b3d-b562-8293d8016995" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_2f501ca6-3471-4d26-905c-f51f005cce7d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_2f501ca6-3471-4d26-905c-f51f005cce7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable_429cf87f-88c7-4c8b-990d-62e162213f7a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_us-gaap_GainLossOnSaleOfNotesReceivable_429cf87f-88c7-4c8b-990d-62e162213f7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo_9ec7d8d9-7619-4492-873d-710616cf96fb" xlink:href="slm-20241231.xsd#slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo_9ec7d8d9-7619-4492-873d-710616cf96fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne_84561952-4a42-4e54-ab6a-c29b4d9e297b" xlink:href="slm-20241231.xsd#slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne_84561952-4a42-4e54-ab6a-c29b4d9e297b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree_4b1b17cd-1382-4c30-9579-db3094d8b90a" xlink:href="slm-20241231.xsd#slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree_4b1b17cd-1382-4c30-9579-db3094d8b90a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure_7b643fe8-3f76-4072-9135-7e1c125e1787" xlink:href="slm-20241231.xsd#slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure_7b643fe8-3f76-4072-9135-7e1c125e1787" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ConstantPrepaymentFeeVariableRate_60f6b345-d627-4532-b9a8-234b4cb63f8a" xlink:href="slm-20241231.xsd#slm_ConstantPrepaymentFeeVariableRate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_ConstantPrepaymentFeeVariableRate_60f6b345-d627-4532-b9a8-234b4cb63f8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansinNonaccrualStatus_5cab7c9d-832c-45e1-a27b-1984ccbcf05a" xlink:href="slm-20241231.xsd#slm_LoansinNonaccrualStatus"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_LoansinNonaccrualStatus_5cab7c9d-832c-45e1-a27b-1984ccbcf05a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment_33b7ecfd-2855-4929-950c-e68d20ff4019" xlink:href="slm-20241231.xsd#slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_a86364b0-c179-4d98-8b7d-b84b32078dc1" xlink:to="loc_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment_33b7ecfd-2855-4929-950c-e68d20ff4019" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SignificantAccountingPoliciesBusinessCombinationDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_e5c53cf8-027f-4e6b-b02b-6e070808b03a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_dfeb02df-2459-451c-9900-3d1c7f5fd528" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e5c53cf8-027f-4e6b-b02b-6e070808b03a" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_dfeb02df-2459-451c-9900-3d1c7f5fd528" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_fc37d5be-227f-4cf8-a56b-1c461b73ddfb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_dfeb02df-2459-451c-9900-3d1c7f5fd528" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_fc37d5be-227f-4cf8-a56b-1c461b73ddfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_facdc47e-7278-4eba-8e95-2a1a7d1c862f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_fc37d5be-227f-4cf8-a56b-1c461b73ddfb" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_facdc47e-7278-4eba-8e95-2a1a7d1c862f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NitroCollegeMember_ed8e5e09-8974-4f1f-8960-eb56c410c19f" xlink:href="slm-20241231.xsd#slm_NitroCollegeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_facdc47e-7278-4eba-8e95-2a1a7d1c862f" xlink:to="loc_slm_NitroCollegeMember_ed8e5e09-8974-4f1f-8960-eb56c410c19f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchollyIncMember_a01fd397-c518-4161-9206-841edd9a0925" xlink:href="slm-20241231.xsd#slm_SchollyIncMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_facdc47e-7278-4eba-8e95-2a1a7d1c862f" xlink:to="loc_slm_SchollyIncMember_a01fd397-c518-4161-9206-841edd9a0925" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_dfeb02df-2459-451c-9900-3d1c7f5fd528" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_372f34fa-11be-48e6-8904-65525f936bb2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_372f34fa-11be-48e6-8904-65525f936bb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_64ac2f5f-f138-433c-9c68-eb56a521698c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_Goodwill_64ac2f5f-f138-433c-9c68-eb56a521698c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts_cd60f075-370a-4fb6-aabf-e8e64d7b5a29" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts_cd60f075-370a-4fb6-aabf-e8e64d7b5a29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_ca95856a-72e6-4f64-8f46-cf3219b9368c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_ca95856a-72e6-4f64-8f46-cf3219b9368c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_13513979-81cc-4506-b6d9-519444ddbb94" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_13513979-81cc-4506-b6d9-519444ddbb94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinitelivedIntangibleAssetsAcquired1_03866706-1a4b-46c3-92ac-4ac222676eda" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinitelivedIntangibleAssetsAcquired1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_c965a81f-1976-4a24-8158-03a7bbb5ca91" xlink:to="loc_us-gaap_FinitelivedIntangibleAssetsAcquired1_03866706-1a4b-46c3-92ac-4ac222676eda" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesDepositsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SignificantAccountingPoliciesDepositsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SignificantAccountingPoliciesDepositsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_e3f50db8-9717-4d7c-aac9-abd561c875bd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DepositsPeriodofNotificationforWithdrawal_f9f1191a-690b-4801-8b79-d5b9326aa38b" xlink:href="slm-20241231.xsd#slm_DepositsPeriodofNotificationforWithdrawal"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_e3f50db8-9717-4d7c-aac9-abd561c875bd" xlink:to="loc_slm_DepositsPeriodofNotificationforWithdrawal_f9f1191a-690b-4801-8b79-d5b9326aa38b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesSecuritizationAccountingDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SignificantAccountingPoliciesSecuritizationAccountingDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SignificantAccountingPoliciesSecuritizationAccountingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_198a581b-d44f-4549-9a79-367dd6035f0c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance_7fd6626f-6fac-4747-98b9-d7104864368b" xlink:href="slm-20241231.xsd#slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_198a581b-d44f-4549-9a79-367dd6035f0c" xlink:to="loc_slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance_7fd6626f-6fac-4747-98b9-d7104864368b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SignificantAccountingPoliciesDerivativeAccountingDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_60bc264f-8933-419d-8e23-94d9a10172b6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_f502648a-2d2d-424e-8ce9-1261a70bc2bc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_60bc264f-8933-419d-8e23-94d9a10172b6" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_f502648a-2d2d-424e-8ce9-1261a70bc2bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_3517ddc2-552d-4b85-a897-add6fe1fee41" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_f502648a-2d2d-424e-8ce9-1261a70bc2bc" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_3517ddc2-552d-4b85-a897-add6fe1fee41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_78d678ec-09e9-4a5a-b0ac-0f201c6d0c17" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_3517ddc2-552d-4b85-a897-add6fe1fee41" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_78d678ec-09e9-4a5a-b0ac-0f201c6d0c17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_exch_XCME_8f2d2b30-0757-43cb-99f0-4a5c29619fed" xlink:href="https://xbrl.sec.gov/exch/2024/exch-2024.xsd#exch_XCME"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_78d678ec-09e9-4a5a-b0ac-0f201c6d0c17" xlink:to="loc_exch_XCME_8f2d2b30-0757-43cb-99f0-4a5c29619fed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LondonClearingHouseMember_5dc29ca0-0dac-4fc0-864d-cf621d2f98db" xlink:href="slm-20241231.xsd#slm_LondonClearingHouseMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_78d678ec-09e9-4a5a-b0ac-0f201c6d0c17" xlink:to="loc_slm_LondonClearingHouseMember_5dc29ca0-0dac-4fc0-864d-cf621d2f98db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_29f87bd2-7f0e-428b-96fa-67cd13910aef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_f502648a-2d2d-424e-8ce9-1261a70bc2bc" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_29f87bd2-7f0e-428b-96fa-67cd13910aef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_e87198b1-aa56-4aa8-8caa-f5351549da6e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_29f87bd2-7f0e-428b-96fa-67cd13910aef" xlink:to="loc_us-gaap_DerivativeNotionalAmount_e87198b1-aa56-4aa8-8caa-f5351549da6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts_f0b37a3b-781d-471d-aa09-ae1e5504de5f" xlink:href="slm-20241231.xsd#slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_29f87bd2-7f0e-428b-96fa-67cd13910aef" xlink:to="loc_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts_f0b37a3b-781d-471d-aa09-ae1e5504de5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmountOfVariationMarginIncludedAsSettlement_a45b2bc7-dba2-4315-96f1-250fab8540a3" xlink:href="slm-20241231.xsd#slm_AmountOfVariationMarginIncludedAsSettlement"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_29f87bd2-7f0e-428b-96fa-67cd13910aef" xlink:to="loc_slm_AmountOfVariationMarginIncludedAsSettlement_a45b2bc7-dba2-4315-96f1-250fab8540a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CashandCashEquivalentsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#CashandCashEquivalentsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/CashandCashEquivalentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAbstract_54cb43db-0c2c-4877-a2c1-c1f55b4a96f3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CashduefromFederalReserveBank_dbdf1ce5-6133-4133-b068-3d567c4f760a" xlink:href="slm-20241231.xsd#slm_CashduefromFederalReserveBank"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashAndCashEquivalentsAbstract_54cb43db-0c2c-4877-a2c1-c1f55b4a96f3" xlink:to="loc_slm_CashduefromFederalReserveBank_dbdf1ce5-6133-4133-b068-3d567c4f760a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_3925922e-67bd-4396-85ad-37a635dc3dba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashAndCashEquivalentsAbstract_54cb43db-0c2c-4877-a2c1-c1f55b4a96f3" xlink:to="loc_us-gaap_CashAndDueFromBanks_3925922e-67bd-4396-85ad-37a635dc3dba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashEquivalentsAtCarryingValue_be303f3c-9c33-42b1-8055-c77a93a5c7f7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashAndCashEquivalentsAbstract_54cb43db-0c2c-4877-a2c1-c1f55b4a96f3" xlink:to="loc_us-gaap_CashEquivalentsAtCarryingValue_be303f3c-9c33-42b1-8055-c77a93a5c7f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestincomefromTermDepositFacility_58a3de8a-dbeb-482f-bd8f-db06274f4f60" xlink:href="slm-20241231.xsd#slm_InterestincomefromTermDepositFacility"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashAndCashEquivalentsAbstract_54cb43db-0c2c-4877-a2c1-c1f55b4a96f3" xlink:to="loc_slm_InterestincomefromTermDepositFacility_58a3de8a-dbeb-482f-bd8f-db06274f4f60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CertificatesOfDepositAtCarryingValue_07ec2732-54bc-42c4-b698-39230db7c02f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CertificatesOfDepositAtCarryingValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashAndCashEquivalentsAbstract_54cb43db-0c2c-4877-a2c1-c1f55b4a96f3" xlink:to="loc_us-gaap_CertificatesOfDepositAtCarryingValue_07ec2732-54bc-42c4-b698-39230db7c02f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/InvestmentsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#InvestmentsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/InvestmentsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_e115c13b-016c-4b94-962c-d632a1f08a9d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_6ede9e27-a01e-46e9-810c-c8825153f254" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_e115c13b-016c-4b94-962c-d632a1f08a9d" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_6ede9e27-a01e-46e9-810c-c8825153f254" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_6fbc40a4-753a-4d8a-80be-0988b78bfb1b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_6ede9e27-a01e-46e9-810c-c8825153f254" xlink:to="loc_us-gaap_FinancialInstrumentAxis_6fbc40a4-753a-4d8a-80be-0988b78bfb1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6e1b75af-89e7-4ef6-a936-28ec057c10ff" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_6fbc40a4-753a-4d8a-80be-0988b78bfb1b" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6e1b75af-89e7-4ef6-a936-28ec057c10ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesMember_e63ec413-4747-4536-9621-34ca9dedfaa5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquitySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6e1b75af-89e7-4ef6-a936-28ec057c10ff" xlink:to="loc_us-gaap_EquitySecuritiesMember_e63ec413-4747-4536-9621-34ca9dedfaa5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_6ede9e27-a01e-46e9-810c-c8825153f254" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_VerticalRiskRetentionPercentage_7444c141-13cb-4a4e-b231-7df0ad0e8ca0" xlink:href="slm-20241231.xsd#slm_VerticalRiskRetentionPercentage"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_slm_VerticalRiskRetentionPercentage_7444c141-13cb-4a4e-b231-7df0ad0e8ca0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_86371f33-132d-4d8d-ab5f-e3b5310cf537" xlink:href="slm-20241231.xsd#slm_PaymentsToAcquireTradingSecuritiesHeldForSale"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_slm_PaymentsToAcquireTradingSecuritiesHeldForSale_86371f33-132d-4d8d-ab5f-e3b5310cf537" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_5ac855dd-25d7-490f-b7df-3e0e62e547f4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_TradingSecuritiesDebt_5ac855dd-25d7-490f-b7df-3e0e62e547f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_0a4bf135-c14d-4b19-8a73-01506f0ce8ef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_0a4bf135-c14d-4b19-8a73-01506f0ce8ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtSecuritiesAvailableForSaleNumberOfPositions_2654a6f5-624f-4766-a34f-203db99bb92a" xlink:href="slm-20241231.xsd#slm_DebtSecuritiesAvailableForSaleNumberOfPositions"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_slm_DebtSecuritiesAvailableForSaleNumberOfPositions_2654a6f5-624f-4766-a34f-203db99bb92a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB_23c93f8c-18ce-4afe-9538-3880064b594e" xlink:href="slm-20241231.xsd#slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB_23c93f8c-18ce-4afe-9538-3880064b594e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInvestmentNotReadilyMarketableFairValue_dc632a81-0244-4328-8976-b30faae35c50" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherInvestmentNotReadilyMarketableFairValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_OtherInvestmentNotReadilyMarketableFairValue_dc632a81-0244-4328-8976-b30faae35c50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OtherInvestmentNotReadilyMarketableGainLoss_8cf9197a-3ce4-4d9f-8a7e-18bee9667a75" xlink:href="slm-20241231.xsd#slm_OtherInvestmentNotReadilyMarketableGainLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_slm_OtherInvestmentNotReadilyMarketableGainLoss_8cf9197a-3ce4-4d9f-8a7e-18bee9667a75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_f71142ba-4834-466b-87b1-333a74bcd288" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_f71142ba-4834-466b-87b1-333a74bcd288" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_f8cd1d19-fd08-446d-9497-f7abc06c4851" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_f8cd1d19-fd08-446d-9497-f7abc06c4851" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments_4dd4f1fe-ba04-43f8-af39-f70214fec66d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments_4dd4f1fe-ba04-43f8-af39-f70214fec66d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment_49e3ed91-728d-428c-992b-47d61a25acfb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment_49e3ed91-728d-428c-992b-47d61a25acfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration_766a15d8-6de1-42ae-ad4f-ed8aeeedffa8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration_766a15d8-6de1-42ae-ad4f-ed8aeeedffa8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_b982257f-f3a1-4baa-8caa-d94327d0424b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_b982257f-f3a1-4baa-8caa-d94327d0424b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_f2c631c8-ba22-4077-b8c0-d06a6ae91d47" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_f2c631c8-ba22-4077-b8c0-d06a6ae91d47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration_ab573a88-f507-4255-aeb1-1bcfd767d643" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration_ab573a88-f507-4255-aeb1-1bcfd767d643" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration_bc702f91-ad66-4697-8f60-f89d1a57065e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_13f5d744-7245-48f4-a00a-cfe9c585d61d" xlink:to="loc_us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration_bc702f91-ad66-4697-8f60-f89d1a57065e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2f5e3c79-45d5-44a6-993e-3555ef966c34" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e186d8db-dc3a-4c0a-9565-f76035c6d401" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2f5e3c79-45d5-44a6-993e-3555ef966c34" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e186d8db-dc3a-4c0a-9565-f76035c6d401" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_145264c3-103d-476b-9a61-024164449b1f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e186d8db-dc3a-4c0a-9565-f76035c6d401" xlink:to="loc_us-gaap_FinancialInstrumentAxis_145264c3-103d-476b-9a61-024164449b1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6f99e1da-005b-4208-8d35-439f4f33b435" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_145264c3-103d-476b-9a61-024164449b1f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6f99e1da-005b-4208-8d35-439f4f33b435" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_9885af4a-ebd8-44d4-8e81-15c9041e484e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6f99e1da-005b-4208-8d35-439f4f33b435" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_9885af4a-ebd8-44d4-8e81-15c9041e484e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_UtahHousingCorporationBondsMember_858e6540-efa4-4f0b-b885-39e780971095" xlink:href="slm-20241231.xsd#slm_UtahHousingCorporationBondsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6f99e1da-005b-4208-8d35-439f4f33b435" xlink:to="loc_slm_UtahHousingCorporationBondsMember_858e6540-efa4-4f0b-b885-39e780971095" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_126461d6-1d49-489c-a54d-fd95f8fb8cfe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6f99e1da-005b-4208-8d35-439f4f33b435" xlink:to="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_126461d6-1d49-489c-a54d-fd95f8fb8cfe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_b5ddde28-67ef-436c-be11-7732774f094b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6f99e1da-005b-4208-8d35-439f4f33b435" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_b5ddde28-67ef-436c-be11-7732774f094b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e186d8db-dc3a-4c0a-9565-f76035c6d401" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_e7246692-b296-4265-a664-e8b610368b69" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_e7246692-b296-4265-a664-e8b610368b69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_daca7db9-e1b4-497d-bd4f-95dff3e21e41" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_daca7db9-e1b4-497d-bd4f-95dff3e21e41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_95762b96-1613-4815-a7f8-1388f7726273" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_95762b96-1613-4815-a7f8-1388f7726273" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_d56e5921-2167-418f-b434-1613970b00fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_d56e5921-2167-418f-b434-1613970b00fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_500ae707-0f11-41cd-9552-72923ba44899" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d07a70ad-e3bc-4c30-8f2a-84722d197813" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_500ae707-0f11-41cd-9552-72923ba44899" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_00ea6d91-141d-437f-8495-274bc96d641d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_7ee95bcb-2ca9-495d-bc14-6cf760ddd275" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_00ea6d91-141d-437f-8495-274bc96d641d" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_7ee95bcb-2ca9-495d-bc14-6cf760ddd275" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_a290044b-513c-408f-80ba-f99ea3ebd79a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_7ee95bcb-2ca9-495d-bc14-6cf760ddd275" xlink:to="loc_us-gaap_InvestmentTypeAxis_a290044b-513c-408f-80ba-f99ea3ebd79a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_b1b8048a-e31b-4756-b4ef-978c478fff10" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_a290044b-513c-408f-80ba-f99ea3ebd79a" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_b1b8048a-e31b-4756-b4ef-978c478fff10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_7438bb3e-a270-4ed5-b373-70584878c618" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_b1b8048a-e31b-4756-b4ef-978c478fff10" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_7438bb3e-a270-4ed5-b373-70584878c618" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_UtahHousingCorporationBondsMember_804063f2-34b4-4b69-9f54-8f6c0793b34a" xlink:href="slm-20241231.xsd#slm_UtahHousingCorporationBondsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_b1b8048a-e31b-4756-b4ef-978c478fff10" xlink:to="loc_slm_UtahHousingCorporationBondsMember_804063f2-34b4-4b69-9f54-8f6c0793b34a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_7932d795-c1b1-4437-ae8d-d08591c6577d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_b1b8048a-e31b-4756-b4ef-978c478fff10" xlink:to="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_7932d795-c1b1-4437-ae8d-d08591c6577d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_da16e0a4-a9a2-4b21-89d1-05166d95f71f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_b1b8048a-e31b-4756-b4ef-978c478fff10" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_da16e0a4-a9a2-4b21-89d1-05166d95f71f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d69e6359-fcd1-4a17-a2f7-596004430150" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_7ee95bcb-2ca9-495d-bc14-6cf760ddd275" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d69e6359-fcd1-4a17-a2f7-596004430150" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_9f452454-e026-44ca-af67-2c14f86deb73" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d69e6359-fcd1-4a17-a2f7-596004430150" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_9f452454-e026-44ca-af67-2c14f86deb73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_65da1716-d9a1-44d4-a145-1cb6f7f3a475" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_9f452454-e026-44ca-af67-2c14f86deb73" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_65da1716-d9a1-44d4-a145-1cb6f7f3a475" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_134414c9-d023-4494-8615-8cd1c2eb4eb0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_9f452454-e026-44ca-af67-2c14f86deb73" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_134414c9-d023-4494-8615-8cd1c2eb4eb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_d62a5574-9e2d-4a98-9655-811283eacda8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d69e6359-fcd1-4a17-a2f7-596004430150" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_d62a5574-9e2d-4a98-9655-811283eacda8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_2dfef77c-365e-458c-8488-7a70e09038aa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_d62a5574-9e2d-4a98-9655-811283eacda8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_2dfef77c-365e-458c-8488-7a70e09038aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_1632acf8-49c6-41c1-a993-968de28f783d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_d62a5574-9e2d-4a98-9655-811283eacda8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_1632acf8-49c6-41c1-a993-968de28f783d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract_46ab9cd8-847a-4c67-900f-3e083da5ba2c" xlink:href="slm-20241231.xsd#slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d69e6359-fcd1-4a17-a2f7-596004430150" xlink:to="loc_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract_46ab9cd8-847a-4c67-900f-3e083da5ba2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_2030f4f8-603d-485d-9e6d-d11dbae07b7c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract_46ab9cd8-847a-4c67-900f-3e083da5ba2c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_2030f4f8-603d-485d-9e6d-d11dbae07b7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_4c7eecae-5abe-491b-809f-f0c123d10f8e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract_46ab9cd8-847a-4c67-900f-3e083da5ba2c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_4c7eecae-5abe-491b-809f-f0c123d10f8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/InvestmentsMaturityTableDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#InvestmentsMaturityTableDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/InvestmentsMaturityTableDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_d8ce3dac-0c88-4283-9634-b37ff8ea8010" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_7e834887-655d-4281-aace-ce389c96dc96" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_d8ce3dac-0c88-4283-9634-b37ff8ea8010" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_7e834887-655d-4281-aace-ce389c96dc96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e7a5d5dc-b746-445c-adaf-e2fcf14c9319" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_7e834887-655d-4281-aace-ce389c96dc96" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e7a5d5dc-b746-445c-adaf-e2fcf14c9319" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_3bbf3a9a-6b1b-4255-8e61-739c5191c92e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e7a5d5dc-b746-445c-adaf-e2fcf14c9319" xlink:to="loc_us-gaap_FinancialInstrumentAxis_3bbf3a9a-6b1b-4255-8e61-739c5191c92e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_3bbf3a9a-6b1b-4255-8e61-739c5191c92e" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2025Member_a5bf5400-c44e-4655-9e81-051523c75864" xlink:href="slm-20241231.xsd#slm_Maturity2025Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2025Member_a5bf5400-c44e-4655-9e81-051523c75864" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2026Member_3814d8c1-e396-4b9a-8ef3-56fa5e0206cf" xlink:href="slm-20241231.xsd#slm_Maturity2026Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2026Member_3814d8c1-e396-4b9a-8ef3-56fa5e0206cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2027Member_f46a9052-b845-490a-92e8-9526d7e915fe" xlink:href="slm-20241231.xsd#slm_Maturity2027Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2027Member_f46a9052-b845-490a-92e8-9526d7e915fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2038Member_7bec704e-49c5-4e91-a2db-a27a33a0307f" xlink:href="slm-20241231.xsd#slm_Maturity2038Member"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2038Member_7bec704e-49c5-4e91-a2db-a27a33a0307f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2039Member_8ed5894d-46f1-4c99-8d10-8a968ae7e6ef" xlink:href="slm-20241231.xsd#slm_Maturity2039Member"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2039Member_8ed5894d-46f1-4c99-8d10-8a968ae7e6ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2042Member_8227d637-f1e5-4978-83d4-8deb30edb924" xlink:href="slm-20241231.xsd#slm_Maturity2042Member"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2042Member_8227d637-f1e5-4978-83d4-8deb30edb924" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2043Member_be5f5b01-52ed-4d4e-840b-f021615bce4d" xlink:href="slm-20241231.xsd#slm_Maturity2043Member"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2043Member_be5f5b01-52ed-4d4e-840b-f021615bce4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2044Member_9b96d7a3-424a-4f0f-80e4-b32893da939d" xlink:href="slm-20241231.xsd#slm_Maturity2044Member"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2044Member_9b96d7a3-424a-4f0f-80e4-b32893da939d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2045Member_98eb09bf-87c5-46ab-96f3-2ef709113d1d" xlink:href="slm-20241231.xsd#slm_Maturity2045Member"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2045Member_98eb09bf-87c5-46ab-96f3-2ef709113d1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2046Member_c096ac7d-2066-439b-a256-7769c6863a56" xlink:href="slm-20241231.xsd#slm_Maturity2046Member"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2046Member_c096ac7d-2066-439b-a256-7769c6863a56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2047Member_7b53847d-8a75-4288-96da-6ad921956bec" xlink:href="slm-20241231.xsd#slm_Maturity2047Member"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2047Member_7b53847d-8a75-4288-96da-6ad921956bec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2048Member_154c9aa2-09ab-42d3-bd01-aa86c2bc216b" xlink:href="slm-20241231.xsd#slm_Maturity2048Member"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2048Member_154c9aa2-09ab-42d3-bd01-aa86c2bc216b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2049Member_2c6e1b73-edeb-4326-a20e-1772b4a5f8da" xlink:href="slm-20241231.xsd#slm_Maturity2049Member"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2049Member_2c6e1b73-edeb-4326-a20e-1772b4a5f8da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2050Member_e53bf292-27fb-40ba-bd75-6d013bfd28ec" xlink:href="slm-20241231.xsd#slm_Maturity2050Member"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2050Member_e53bf292-27fb-40ba-bd75-6d013bfd28ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2051Member_9df9e46f-b1ec-4099-b53d-ce40f82e4efd" xlink:href="slm-20241231.xsd#slm_Maturity2051Member"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2051Member_9df9e46f-b1ec-4099-b53d-ce40f82e4efd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2052Member_e074b540-ac7a-4d88-8d4d-e5cb0e3cedde" xlink:href="slm-20241231.xsd#slm_Maturity2052Member"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2052Member_e074b540-ac7a-4d88-8d4d-e5cb0e3cedde" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2053Member_58946e10-1421-455b-81c0-82a29a87c41f" xlink:href="slm-20241231.xsd#slm_Maturity2053Member"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2053Member_58946e10-1421-455b-81c0-82a29a87c41f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2054Member_e0849e2c-156f-4a0a-a1ed-481b3ffd84e7" xlink:href="slm-20241231.xsd#slm_Maturity2054Member"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2054Member_e0849e2c-156f-4a0a-a1ed-481b3ffd84e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2055Member_2b716241-0898-4ca5-aa05-810bc1e1320b" xlink:href="slm-20241231.xsd#slm_Maturity2055Member"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2055Member_2b716241-0898-4ca5-aa05-810bc1e1320b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2056Member_aea6101e-1a82-4091-98e7-aeba7defe75e" xlink:href="slm-20241231.xsd#slm_Maturity2056Member"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2056Member_aea6101e-1a82-4091-98e7-aeba7defe75e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Maturity2058Member_c2977ddc-a416-48e3-b3ec-dca4f2d53bba" xlink:href="slm-20241231.xsd#slm_Maturity2058Member"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4ae4e98-fcbc-46e9-bc44-01d23ae2fbdd" xlink:to="loc_slm_Maturity2058Member_c2977ddc-a416-48e3-b3ec-dca4f2d53bba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_88c5f5c7-8bb4-4a51-8836-07b268e62b5f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_e7a5d5dc-b746-445c-adaf-e2fcf14c9319" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_88c5f5c7-8bb4-4a51-8836-07b268e62b5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_71cc82b7-e45a-4314-8333-5cd31fae9e4e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_88c5f5c7-8bb4-4a51-8836-07b268e62b5f" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_71cc82b7-e45a-4314-8333-5cd31fae9e4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_6f49aef7-d64a-4f4d-9c53-d4a468ca1e5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_88c5f5c7-8bb4-4a51-8836-07b268e62b5f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_6f49aef7-d64a-4f4d-9c53-d4a468ca1e5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_7c1c7e61-ba79-40f1-b06d-5502e44dfc63" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_5b0dd3f4-814e-459d-a49a-364501176225" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_7c1c7e61-ba79-40f1-b06d-5502e44dfc63" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_5b0dd3f4-814e-459d-a49a-364501176225" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_4c0ea648-d799-4f69-a8ee-be99958dea8c" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_5b0dd3f4-814e-459d-a49a-364501176225" xlink:to="loc_srt_RangeAxis_4c0ea648-d799-4f69-a8ee-be99958dea8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_3c6ec92e-588e-4531-ba8c-c7d25852ca86" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_4c0ea648-d799-4f69-a8ee-be99958dea8c" xlink:to="loc_srt_RangeMember_3c6ec92e-588e-4531-ba8c-c7d25852ca86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_5940a5bc-31de-4e9c-b7bb-53c4fd164b7f" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_3c6ec92e-588e-4531-ba8c-c7d25852ca86" xlink:to="loc_srt_MaximumMember_5940a5bc-31de-4e9c-b7bb-53c4fd164b7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_da192be3-3946-46a5-8a30-66be44a5da48" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_3c6ec92e-588e-4531-ba8c-c7d25852ca86" xlink:to="loc_srt_MinimumMember_da192be3-3946-46a5-8a30-66be44a5da48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_dbe5256e-fa8f-4bec-86ac-82fe1a7a3f89" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_5b0dd3f4-814e-459d-a49a-364501176225" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_dbe5256e-fa8f-4bec-86ac-82fe1a7a3f89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f9311989-753c-4a0d-9e23-73b380409e05" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_dbe5256e-fa8f-4bec-86ac-82fe1a7a3f89" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f9311989-753c-4a0d-9e23-73b380409e05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_a32410e3-3893-4008-a4e2-3a648dc743a8" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f9311989-753c-4a0d-9e23-73b380409e05" xlink:to="loc_slm_PrivateEducationLoansMember_a32410e3-3893-4008-a4e2-3a648dc743a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_24901a6c-d8be-4aca-9848-559ce182e723" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f9311989-753c-4a0d-9e23-73b380409e05" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_24901a6c-d8be-4aca-9848-559ce182e723" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_2212bf33-9792-4d6d-a405-45f0f44491f0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_5b0dd3f4-814e-459d-a49a-364501176225" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_2212bf33-9792-4d6d-a405-45f0f44491f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_ff607634-e1ec-47c6-9908-04698d21bd94" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_2212bf33-9792-4d6d-a405-45f0f44491f0" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_ff607634-e1ec-47c6-9908-04698d21bd94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditCardsMember_5c1c2f76-889d-43f1-932a-51b247cdf7b2" xlink:href="slm-20241231.xsd#slm_CreditCardsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_ff607634-e1ec-47c6-9908-04698d21bd94" xlink:to="loc_slm_CreditCardsMember_5c1c2f76-889d-43f1-932a-51b247cdf7b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:href="slm-20241231.xsd#slm_FinanceReceivableTransferredToHeldForSaleLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_5b0dd3f4-814e-459d-a49a-364501176225" xlink:to="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_fbf70c7a-5bad-442d-88a8-29d7e1a2f551" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_fbf70c7a-5bad-442d-88a8-29d7e1a2f551" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable_76f9e13e-1450-4390-bec9-956ae114c72a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_us-gaap_GainLossOnSaleOfNotesReceivable_76f9e13e-1450-4390-bec9-956ae114c72a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR_f149dba5-bf58-4680-a946-4a942baf600e" xlink:href="slm-20241231.xsd#slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR_f149dba5-bf58-4680-a946-4a942baf600e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_EstimatedWeightedAverageLifeOfStudentLoans_5dbdd759-b622-4c15-abca-075226dcdd91" xlink:href="slm-20241231.xsd#slm_EstimatedWeightedAverageLifeOfStudentLoans"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_EstimatedWeightedAverageLifeOfStudentLoans_5dbdd759-b622-4c15-abca-075226dcdd91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted_a45f2c7d-7be0-46aa-be24-ea9b4601c272" xlink:href="slm-20241231.xsd#slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted_a45f2c7d-7be0-46aa-be24-ea9b4601c272" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan_15a2131d-c707-4d93-a8f3-2545ae0589f4" xlink:href="slm-20241231.xsd#slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan_15a2131d-c707-4d93-a8f3-2545ae0589f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants_63fa62ed-b0f2-4ad4-a593-610c7465a193" xlink:href="slm-20241231.xsd#slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants_63fa62ed-b0f2-4ad4-a593-610c7465a193" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants_ce7c98b4-a9d4-4d7e-9e13-fa3291da16f5" xlink:href="slm-20241231.xsd#slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants_ce7c98b4-a9d4-4d7e-9e13-fa3291da16f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1_441069ff-54ca-4011-9485-d4b769d4925d" xlink:href="slm-20241231.xsd#slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1_441069ff-54ca-4011-9485-d4b769d4925d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2_c6386040-4981-4227-97f7-c41a42611c51" xlink:href="slm-20241231.xsd#slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2_c6386040-4981-4227-97f7-c41a42611c51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus_52daa2e7-74f1-4e21-a2b9-ba1772b92fe6" xlink:href="slm-20241231.xsd#slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus_52daa2e7-74f1-4e21-a2b9-ba1772b92fe6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration_9622a1a9-1d2f-46cd-9a6d-891f59c275dd" xlink:href="slm-20241231.xsd#slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration_9622a1a9-1d2f-46cd-9a6d-891f59c275dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestRateReductionPercentage_f3218c5d-0305-4810-854c-e90ff30bc6f8" xlink:href="slm-20241231.xsd#slm_InterestRateReductionPercentage"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_InterestRateReductionPercentage_f3218c5d-0305-4810-854c-e90ff30bc6f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_b8e03de0-89bd-4e78-bcce-de127bde3ba7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_b8e03de0-89bd-4e78-bcce-de127bde3ba7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PeriodofLoansPastDueThatHaveAccruedInterest_7cbb1b08-3bcb-42ba-9e10-deacb929f3fb" xlink:href="slm-20241231.xsd#slm_PeriodofLoansPastDueThatHaveAccruedInterest"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_PeriodofLoansPastDueThatHaveAccruedInterest_7cbb1b08-3bcb-42ba-9e10-deacb929f3fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansinNonaccrualStatus_348f58cb-b766-44dd-a795-44d376104a90" xlink:href="slm-20241231.xsd#slm_LoansinNonaccrualStatus"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_LoansinNonaccrualStatus_348f58cb-b766-44dd-a795-44d376104a90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoanspledgedtoBorrowerinCustody_e7bb4f49-4ebb-4ce0-b305-3d75f62ccf34" xlink:href="slm-20241231.xsd#slm_LoanspledgedtoBorrowerinCustody"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_LoanspledgedtoBorrowerinCustody_e7bb4f49-4ebb-4ce0-b305-3d75f62ccf34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofLoansconcentratedinmajorstates_ebf7ae13-b6f4-4143-a178-a209bd1f698b" xlink:href="slm-20241231.xsd#slm_PercentageofLoansconcentratedinmajorstates"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_PercentageofLoansconcentratedinmajorstates_ebf7ae13-b6f4-4143-a178-a209bd1f698b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofAggregateOutstandingLoansHeldForInvestment_a19165a2-7440-406e-8878-9fe3bd8f37d5" xlink:href="slm-20241231.xsd#slm_PercentageofAggregateOutstandingLoansHeldForInvestment"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_FinanceReceivableTransferredToHeldForSaleLineItems_4e1ea5a5-b816-42f7-b5cb-268ab00b46f1" xlink:to="loc_slm_PercentageofAggregateOutstandingLoansHeldForInvestment_a19165a2-7440-406e-8878-9fe3bd8f37d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_0af035a6-93c0-4888-b522-147c886ff70e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_72d8352c-7b79-4558-b27d-d28a1fd40bae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_0af035a6-93c0-4888-b522-147c886ff70e" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_72d8352c-7b79-4558-b27d-d28a1fd40bae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_9453fdee-6111-43a6-af29-a89005b12373" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_72d8352c-7b79-4558-b27d-d28a1fd40bae" xlink:to="loc_us-gaap_DebtInstrumentAxis_9453fdee-6111-43a6-af29-a89005b12373" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_c5d1d5b7-95e4-4d30-a258-e5349a9c3b55" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_9453fdee-6111-43a6-af29-a89005b12373" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_c5d1d5b7-95e4-4d30-a258-e5349a9c3b55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_cb5076a2-2234-4a76-9217-02cc2f0df695" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_c5d1d5b7-95e4-4d30-a258-e5349a9c3b55" xlink:to="loc_slm_PrivateEducationLoansMember_cb5076a2-2234-4a76-9217-02cc2f0df695" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2159e335-71f3-4fdd-9dc3-c7a539081116" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_72d8352c-7b79-4558-b27d-d28a1fd40bae" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2159e335-71f3-4fdd-9dc3-c7a539081116" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSalePrincipal_d6f076ab-6ce9-43c6-89f6-588cfba7adec" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSalePrincipal"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2159e335-71f3-4fdd-9dc3-c7a539081116" xlink:to="loc_slm_FinancingReceivableSalePrincipal_d6f076ab-6ce9-43c6-89f6-588cfba7adec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSaleCapitalizedInterest_c7987766-eb98-4f18-bec8-fae1e8ddadbc" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSaleCapitalizedInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2159e335-71f3-4fdd-9dc3-c7a539081116" xlink:to="loc_slm_FinancingReceivableSaleCapitalizedInterest_c7987766-eb98-4f18-bec8-fae1e8ddadbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableSale_360f61fe-4591-493e-a454-c3bb611d0de8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableSale"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2159e335-71f3-4fdd-9dc3-c7a539081116" xlink:to="loc_us-gaap_FinancingReceivableSale_360f61fe-4591-493e-a454-c3bb611d0de8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_7e4d34fa-62b7-4186-8300-5befdef7d506" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2159e335-71f3-4fdd-9dc3-c7a539081116" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_7e4d34fa-62b7-4186-8300-5befdef7d506" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_b54789a3-8947-4488-9bb6-7c9a2c32661d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_3800e9e2-9158-44e1-9370-365c78cf33ac" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_b54789a3-8947-4488-9bb6-7c9a2c32661d" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_3800e9e2-9158-44e1-9370-365c78cf33ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_1372dfe5-350e-437f-a95c-6bc3a99df375" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_3800e9e2-9158-44e1-9370-365c78cf33ac" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_1372dfe5-350e-437f-a95c-6bc3a99df375" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_32f7d939-c787-44e5-a734-392c907a27cf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_1372dfe5-350e-437f-a95c-6bc3a99df375" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_32f7d939-c787-44e5-a734-392c907a27cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_9ad5ea9a-61f3-4c2d-b576-d71515cd44eb" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_32f7d939-c787-44e5-a734-392c907a27cf" xlink:to="loc_slm_PrivateEducationLoansMember_9ad5ea9a-61f3-4c2d-b576-d71515cd44eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_d1b8da6c-5817-47dd-9c5d-5f6c589f14e1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_32f7d939-c787-44e5-a734-392c907a27cf" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_d1b8da6c-5817-47dd-9c5d-5f6c589f14e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeAxis_45109c8b-3a7e-4849-b45b-d042f4367d6e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingActivityByTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_3800e9e2-9158-44e1-9370-365c78cf33ac" xlink:to="loc_us-gaap_TradingActivityByTypeAxis_45109c8b-3a7e-4849-b45b-d042f4367d6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_1acfc611-e9af-4dad-9dc0-c5e2e0618326" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_45109c8b-3a7e-4849-b45b-d042f4367d6e" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_1acfc611-e9af-4dad-9dc0-c5e2e0618326" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInterestRateMember_24f57b9c-d1c2-427a-b820-87ae3a651657" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FixedIncomeInterestRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_1acfc611-e9af-4dad-9dc0-c5e2e0618326" xlink:to="loc_us-gaap_FixedIncomeInterestRateMember_24f57b9c-d1c2-427a-b820-87ae3a651657" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableIncomeInterestRateMember_51c07ca4-63f0-424e-95a6-cd54c4c717fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableIncomeInterestRateMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_1acfc611-e9af-4dad-9dc0-c5e2e0618326" xlink:to="loc_us-gaap_VariableIncomeInterestRateMember_51c07ca4-63f0-424e-95a6-cd54c4c717fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2ea48dd2-c786-4c41-90fc-2e3248f6ff3c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_3800e9e2-9158-44e1-9370-365c78cf33ac" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2ea48dd2-c786-4c41-90fc-2e3248f6ff3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_e5f0a1c3-d2fa-403d-9322-7373ce275310" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2ea48dd2-c786-4c41-90fc-2e3248f6ff3c" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_e5f0a1c3-d2fa-403d-9322-7373ce275310" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_036752ad-d4b6-4dc0-8a0b-6ec1a5bdd2d4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2ea48dd2-c786-4c41-90fc-2e3248f6ff3c" xlink:to="loc_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_036752ad-d4b6-4dc0-8a0b-6ec1a5bdd2d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_07472a28-a793-4de2-ac76-2ff208814aeb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2ea48dd2-c786-4c41-90fc-2e3248f6ff3c" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_07472a28-a793-4de2-ac76-2ff208814aeb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_cfe3e212-9096-4903-8aae-ded425086752" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2ea48dd2-c786-4c41-90fc-2e3248f6ff3c" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_cfe3e212-9096-4903-8aae-ded425086752" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_5e3cd226-31bb-4481-925e-279c35661f35" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_a6f318f8-aaca-49b8-bc6d-842634c444a0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_5e3cd226-31bb-4481-925e-279c35661f35" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_a6f318f8-aaca-49b8-bc6d-842634c444a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_17d99305-97c4-40a5-88e0-4300afcc74ec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_a6f318f8-aaca-49b8-bc6d-842634c444a0" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_17d99305-97c4-40a5-88e0-4300afcc74ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_eb66da31-4932-4435-8789-14ba0226fe2b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_17d99305-97c4-40a5-88e0-4300afcc74ec" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_eb66da31-4932-4435-8789-14ba0226fe2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_c2c6e005-d3ed-43f4-861f-392a16825310" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_eb66da31-4932-4435-8789-14ba0226fe2b" xlink:to="loc_slm_PrivateEducationLoansMember_c2c6e005-d3ed-43f4-861f-392a16825310" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_2153805d-8461-49f9-bccc-65d43afba5d4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_eb66da31-4932-4435-8789-14ba0226fe2b" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_2153805d-8461-49f9-bccc-65d43afba5d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_6527391f-9a63-47a1-b278-7eac1e0015be" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_a6f318f8-aaca-49b8-bc6d-842634c444a0" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_6527391f-9a63-47a1-b278-7eac1e0015be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance_9494a56a-84be-461e-8e0b-3f7db5dd27ee" xlink:href="slm-20241231.xsd#slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_6527391f-9a63-47a1-b278-7eac1e0015be" xlink:to="loc_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance_9494a56a-84be-461e-8e0b-3f7db5dd27ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_WeightedAverageInterestRateonLoans_2c5875ac-2d8c-4925-a9de-856338ba85ff" xlink:href="slm-20241231.xsd#slm_WeightedAverageInterestRateonLoans"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_6527391f-9a63-47a1-b278-7eac1e0015be" xlink:to="loc_slm_WeightedAverageInterestRateonLoans_2c5875ac-2d8c-4925-a9de-856338ba85ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#LoansHeldforInvestmentByRegionDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_181035ec-8ce2-447b-83e1-320174f16f75" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansheldforinvestmentbyRegionTable_4fe78712-6932-4ce8-ba66-ad55fb6f29fe" xlink:href="slm-20241231.xsd#slm_LoansheldforinvestmentbyRegionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_181035ec-8ce2-447b-83e1-320174f16f75" xlink:to="loc_slm_LoansheldforinvestmentbyRegionTable_4fe78712-6932-4ce8-ba66-ad55fb6f29fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_24b9b1d6-9748-47c4-ad94-99823ffd8d4b" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_LoansheldforinvestmentbyRegionTable_4fe78712-6932-4ce8-ba66-ad55fb6f29fe" xlink:to="loc_srt_StatementGeographicalAxis_24b9b1d6-9748-47c4-ad94-99823ffd8d4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_24b9b1d6-9748-47c4-ad94-99823ffd8d4b" xlink:to="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CA_c750774f-e443-4695-b735-3073878a9138" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_CA"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:to="loc_stpr_CA_c750774f-e443-4695-b735-3073878a9138" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NY_653c258b-716a-415c-94f7-211917875b7c" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_NY"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:to="loc_stpr_NY_653c258b-716a-415c-94f7-211917875b7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_PA_80edfe91-09ec-4c9d-a914-0cbf0b9fd9fb" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_PA"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:to="loc_stpr_PA_80edfe91-09ec-4c9d-a914-0cbf0b9fd9fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_TX_99307c82-ea16-4ce1-9267-11b2c2e02186" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_TX"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:to="loc_stpr_TX_99307c82-ea16-4ce1-9267-11b2c2e02186" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NJ_162cb5f3-75a8-4a04-8851-a09dca753401" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_NJ"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:to="loc_stpr_NJ_162cb5f3-75a8-4a04-8851-a09dca753401" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_FL_9eab72c5-67cb-4bc2-9acc-c2c1429e4b52" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_FL"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_ea19e330-c719-46a4-8399-a18494dcdb95" xlink:to="loc_stpr_FL_9eab72c5-67cb-4bc2-9acc-c2c1429e4b52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansheldforinvestmentbyRegionLineItems_2dd74c9a-f686-46da-a4b4-8ae972a48c81" xlink:href="slm-20241231.xsd#slm_LoansheldforinvestmentbyRegionLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_LoansheldforinvestmentbyRegionTable_4fe78712-6932-4ce8-ba66-ad55fb6f29fe" xlink:to="loc_slm_LoansheldforinvestmentbyRegionLineItems_2dd74c9a-f686-46da-a4b4-8ae972a48c81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofLoansheldinstate_51916855-cc72-4939-abc2-7cf5a6b50436" xlink:href="slm-20241231.xsd#slm_PercentageofLoansheldinstate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_LoansheldforinvestmentbyRegionLineItems_2dd74c9a-f686-46da-a4b4-8ae972a48c81" xlink:to="loc_slm_PercentageofLoansheldinstate_51916855-cc72-4939-abc2-7cf5a6b50436" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageofLoansconcentratedinmajorstates_deb4a047-16e3-415f-bd60-bc14005859e5" xlink:href="slm-20241231.xsd#slm_PercentageofLoansconcentratedinmajorstates"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_LoansheldforinvestmentbyRegionLineItems_2dd74c9a-f686-46da-a4b4-8ae972a48c81" xlink:to="loc_slm_PercentageofLoansconcentratedinmajorstates_deb4a047-16e3-415f-bd60-bc14005859e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_0b56d43f-7233-438b-8f00-281f35e7489f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2c711f48-7809-4b0b-a2bb-e0c2182548be" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_0b56d43f-7233-438b-8f00-281f35e7489f" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2c711f48-7809-4b0b-a2bb-e0c2182548be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_312022fc-a845-4122-85d1-15bcce1e40bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2c711f48-7809-4b0b-a2bb-e0c2182548be" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_312022fc-a845-4122-85d1-15bcce1e40bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_a99d9b1d-f2be-45ab-aacc-27a4be780b60" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_312022fc-a845-4122-85d1-15bcce1e40bb" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_a99d9b1d-f2be-45ab-aacc-27a4be780b60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_2766694e-a84e-43a4-9961-878f1dad2643" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_a99d9b1d-f2be-45ab-aacc-27a4be780b60" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_2766694e-a84e-43a4-9961-878f1dad2643" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_ed968e5c-2431-4346-9a5d-e27f72ec9f5c" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_a99d9b1d-f2be-45ab-aacc-27a4be780b60" xlink:to="loc_slm_PrivateEducationLoansMember_ed968e5c-2431-4346-9a5d-e27f72ec9f5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditCardsMember_1a1c6d4a-b0e1-442d-bc1a-f46cf7220ef3" xlink:href="slm-20241231.xsd#slm_CreditCardsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_a99d9b1d-f2be-45ab-aacc-27a4be780b60" xlink:to="loc_slm_CreditCardsMember_1a1c6d4a-b0e1-442d-bc1a-f46cf7220ef3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2c711f48-7809-4b0b-a2bb-e0c2182548be" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:href="slm-20241231.xsd#slm_AllowanceForCreditLossesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_bb1e1f4e-ea4a-4ea6-a97a-ddb076aefd19" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_bb1e1f4e-ea4a-4ea6-a97a-ddb076aefd19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments_3c68b1b3-23bc-44f1-8c2e-73da540d51e9" xlink:href="slm-20241231.xsd#slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments_3c68b1b3-23bc-44f1-8c2e-73da540d51e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_1890a29b-2da1-46f3-be9e-952ae1790434" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_1890a29b-2da1-46f3-be9e-952ae1790434" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold_de85a35e-de0a-443b-9f55-299b7d0f4c79" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold_de85a35e-de0a-443b-9f55-299b7d0f4c79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_6ceebfcd-f051-4ffa-8cd8-5a148b98fa6a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal_6ceebfcd-f051-4ffa-8cd8-5a148b98fa6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery_37923a20-b48b-43ef-b24a-179bd8185831" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery_37923a20-b48b-43ef-b24a-179bd8185831" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_235fbc4c-7f13-47d4-9e3e-b0241c487c28" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_235fbc4c-7f13-47d4-9e3e-b0241c487c28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_aeb6a884-4cee-4920-9da4-350980a60b03" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_235fbc4c-7f13-47d4-9e3e-b0241c487c28" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_aeb6a884-4cee-4920-9da4-350980a60b03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_16084852-4a2d-47c6-b3d8-cd8cfaf592ae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_235fbc4c-7f13-47d4-9e3e-b0241c487c28" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_16084852-4a2d-47c6-b3d8-cd8cfaf592ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_d5754e41-9a95-41e4-a072-c0b1b7cbbb32" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_235fbc4c-7f13-47d4-9e3e-b0241c487c28" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_d5754e41-9a95-41e4-a072-c0b1b7cbbb32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale_1bde2fe4-57cf-496e-8b48-2ad7ba2e7649" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract_235fbc4c-7f13-47d4-9e3e-b0241c487c28" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale_1bde2fe4-57cf-496e-8b48-2ad7ba2e7649" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_24c22bda-e9a8-4797-a10c-6d1a4de570ca" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceForCreditLossesAbstract_56e505ba-10a7-481c-956c-96417304e6a9" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_24c22bda-e9a8-4797-a10c-6d1a4de570ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceAbstract_d7a1f6c2-bbd1-42ba-88a0-009805fd949b" xlink:href="slm-20241231.xsd#slm_AllowanceAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_AllowanceAbstract_d7a1f6c2-bbd1-42ba-88a0-009805fd949b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_9f6707d8-316a-4d40-8b04-678e6ba432cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceAbstract_d7a1f6c2-bbd1-42ba-88a0-009805fd949b" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_9f6707d8-316a-4d40-8b04-678e6ba432cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_a7eea0b9-ae87-4dc5-b990-7c48efbb4dce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceAbstract_d7a1f6c2-bbd1-42ba-88a0-009805fd949b" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_a7eea0b9-ae87-4dc5-b990-7c48efbb4dce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OffBalanceSheetCreditLossLiabilityWriteoff_295b5db1-6c47-44a4-a7e3-207d3b4529d8" xlink:href="slm-20241231.xsd#slm_OffBalanceSheetCreditLossLiabilityWriteoff"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceAbstract_d7a1f6c2-bbd1-42ba-88a0-009805fd949b" xlink:to="loc_slm_OffBalanceSheetCreditLossLiabilityWriteoff_295b5db1-6c47-44a4-a7e3-207d3b4529d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_fcb86a10-81bf-4900-a9b0-30589ab49e8a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceAbstract_d7a1f6c2-bbd1-42ba-88a0-009805fd949b" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_fcb86a10-81bf-4900-a9b0-30589ab49e8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForCreditLossExcludingAccruedInterest_eaf4feff-ef87-4954-8f7e-d83a21a2d812" xlink:href="slm-20241231.xsd#slm_AllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_AllowanceForCreditLossExcludingAccruedInterest_eaf4feff-ef87-4954-8f7e-d83a21a2d812" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:href="slm-20241231.xsd#slm_AccruedInterestToBeCapitalizedAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment_8d248ae6-9be4-47db-b7fd-44a09d86388e" xlink:href="slm-20241231.xsd#slm_ChargeOffsAsPercentageOfAverageLoansInRepayment"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment_8d248ae6-9be4-47db-b7fd-44a09d86388e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs_cd5ce9b6-f1e2-4f89-8c9a-4b2f490b91c0" xlink:href="slm-20241231.xsd#slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs_cd5ce9b6-f1e2-4f89-8c9a-4b2f490b91c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest_2c983caf-423a-4aa3-920b-427b6c410dec" xlink:href="slm-20241231.xsd#slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest_2c983caf-423a-4aa3-920b-427b6c410dec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceCoverageOfChargeOffsEndingLoans_91b545a9-0b0c-48b6-a265-add655276570" xlink:href="slm-20241231.xsd#slm_AllowanceCoverageOfChargeOffsEndingLoans"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_slm_AllowanceCoverageOfChargeOffsEndingLoans_91b545a9-0b0c-48b6-a265-add655276570" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment_0b5b5eb0-730d-4eb3-a784-32c2325a2259" xlink:href="slm-20241231.xsd#slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment_0b5b5eb0-730d-4eb3-a784-32c2325a2259" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment_0b377438-75bf-4cbe-8437-f8d85d273dfa" xlink:href="slm-20241231.xsd#slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment_0b377438-75bf-4cbe-8437-f8d85d273dfa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_e933f721-966c-4050-a9fc-24ab09eb068a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_e933f721-966c-4050-a9fc-24ab09eb068a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_a781f579-653e-4e29-841c-2a96112a5008" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestReceivable"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AccruedInterestToBeCapitalizedAbstract_f4467e15-61a6-4b72-81a6-5849210af889" xlink:to="loc_us-gaap_InterestReceivable_a781f579-653e-4e29-841c-2a96112a5008" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments_174bd663-d0fa-4aa2-80f4-5b1741e83662" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalNewCommitments"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments_174bd663-d0fa-4aa2-80f4-5b1741e83662" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments_2d1c84d5-2e9b-434f-8bd5-8e103f720442" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments_2d1c84d5-2e9b-434f-8bd5-8e103f720442" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalCommitments_f5671db8-404d-42c4-b576-f4cb62d35a56" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalCommitments"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_FinancingReceivableCreditLossExpenseReversalCommitments_f5671db8-404d-42c4-b576-f4cb62d35a56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts_6dffa6a5-c377-49b7-84ac-9254e7605f0a" xlink:href="slm-20241231.xsd#slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts_6dffa6a5-c377-49b7-84ac-9254e7605f0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_2831830f-463f-49a3-9e17-fadaaecd9ac7" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_240f4972-3f12-4fe8-9217-ecb2b508af41" xlink:to="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal_2831830f-463f-49a3-9e17-fadaaecd9ac7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_a416fd51-b25e-45d7-972e-e2fa44ef40af" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:href="slm-20241231.xsd#slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_a416fd51-b25e-45d7-972e-e2fa44ef40af" xlink:to="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_8c2c7e3b-9c0c-4cd8-9bb4-2195b568dc77" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:to="loc_srt_RangeAxis_8c2c7e3b-9c0c-4cd8-9bb4-2195b568dc77" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_9f1fe18a-572b-412c-99b3-ace79e9afd2e" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_8c2c7e3b-9c0c-4cd8-9bb4-2195b568dc77" xlink:to="loc_srt_RangeMember_9f1fe18a-572b-412c-99b3-ace79e9afd2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_f9ed9168-8198-471c-9aad-e2e549f177fc" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_9f1fe18a-572b-412c-99b3-ace79e9afd2e" xlink:to="loc_srt_MaximumMember_f9ed9168-8198-471c-9aad-e2e549f177fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_17be341a-0f2c-4192-9ca6-cb784fa95c6e" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_9f1fe18a-572b-412c-99b3-ace79e9afd2e" xlink:to="loc_srt_MinimumMember_17be341a-0f2c-4192-9ca6-cb784fa95c6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_9e4ada06-4527-41ff-8402-0686ad6638a6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_9e4ada06-4527-41ff-8402-0686ad6638a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_7fc418ed-d5c1-4304-96cf-7d22d9984522" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_9e4ada06-4527-41ff-8402-0686ad6638a6" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_7fc418ed-d5c1-4304-96cf-7d22d9984522" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_07c5d9b2-88a6-47ca-a4db-db5dd504a837" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_7fc418ed-d5c1-4304-96cf-7d22d9984522" xlink:to="loc_slm_PrivateEducationLoansMember_07c5d9b2-88a6-47ca-a4db-db5dd504a837" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_fa99c4a2-b6a3-4340-83da-d8a2160f0f0f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_7fc418ed-d5c1-4304-96cf-7d22d9984522" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_fa99c4a2-b6a3-4340-83da-d8a2160f0f0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9677dfdf-5fbc-43df-aa26-85c18eab50c9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9677dfdf-5fbc-43df-aa26-85c18eab50c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_143ea1fc-0183-48a4-b0df-2c2830783e62" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9677dfdf-5fbc-43df-aa26-85c18eab50c9" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_143ea1fc-0183-48a4-b0df-2c2830783e62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_540cf519-ad03-4d88-8ddc-ab5bbf1d25a9" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_143ea1fc-0183-48a4-b0df-2c2830783e62" xlink:to="loc_slm_PrivateEducationLoansMember_540cf519-ad03-4d88-8ddc-ab5bbf1d25a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_4ac5f079-605c-499a-9615-f362a4d0a564" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_4ac5f079-605c-499a-9615-f362a4d0a564" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_dfd41d87-e3a8-47e1-ba1b-725bd3a3d005" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_4ac5f079-605c-499a-9615-f362a4d0a564" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_dfd41d87-e3a8-47e1-ba1b-725bd3a3d005" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember_5f5a649d-3a0c-422d-afdd-723440364feb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_dfd41d87-e3a8-47e1-ba1b-725bd3a3d005" xlink:to="loc_us-gaap_ExtendedMaturityMember_5f5a649d-3a0c-422d-afdd-723440364feb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_d2c2ce9a-fdbe-4980-b954-d7733a8dc9c6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_d2c2ce9a-fdbe-4980-b954-d7733a8dc9c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_9f6a0bcd-14f7-4e58-a96e-b182cf4bfb19" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_d2c2ce9a-fdbe-4980-b954-d7733a8dc9c6" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_9f6a0bcd-14f7-4e58-a96e-b182cf4bfb19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_fc7ec6d8-3e2b-4b5b-a0a6-1363661d2b3c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_9f6a0bcd-14f7-4e58-a96e-b182cf4bfb19" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_fc7ec6d8-3e2b-4b5b-a0a6-1363661d2b3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_b72bb9a0-4223-4568-bbf0-15b34a295db3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_9f6a0bcd-14f7-4e58-a96e-b182cf4bfb19" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_b72bb9a0-4223-4568-bbf0-15b34a295db3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_e206003c-3425-4808-9551-1086786e1008" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_9f6a0bcd-14f7-4e58-a96e-b182cf4bfb19" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_e206003c-3425-4808-9551-1086786e1008" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_211ada20-fde8-4bb2-9e73-2f5ab6da8110" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_9f6a0bcd-14f7-4e58-a96e-b182cf4bfb19" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_211ada20-fde8-4bb2-9e73-2f5ab6da8110" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:href="slm-20241231.xsd#slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable_b2bfdac2-573f-4afe-9d30-00f9a96eedb7" xlink:to="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal_884e6d5c-de70-4a91-87df-be150a7298fe" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal_884e6d5c-de70-4a91-87df-be150a7298fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold_3473f551-279a-4e32-94e9-36c4d801bf63" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold_3473f551-279a-4e32-94e9-36c4d801bf63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold_a98bfb7f-e94e-42ad-b2b8-eb3d32ad5919" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold_a98bfb7f-e94e-42ad-b2b8-eb3d32ad5919" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CriteriaForLoansToBeConsideredAsNonperforming_2ce5ab0f-9cf6-441e-9029-7477c52711ae" xlink:href="slm-20241231.xsd#slm_CriteriaForLoansToBeConsideredAsNonperforming"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_CriteriaForLoansToBeConsideredAsNonperforming_2ce5ab0f-9cf6-441e-9029-7477c52711ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TierOneofGovernmentGuarantee_da85ad46-97d9-48ac-9779-b4116723b30c" xlink:href="slm-20241231.xsd#slm_TierOneofGovernmentGuarantee"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_TierOneofGovernmentGuarantee_da85ad46-97d9-48ac-9779-b4116723b30c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted_11dbbccb-1ff9-473c-971e-2b7c90d08fcd" xlink:href="slm-20241231.xsd#slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted_11dbbccb-1ff9-473c-971e-2b7c90d08fcd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan_dc8189d9-36b5-4d97-beab-fdcba96a37ea" xlink:href="slm-20241231.xsd#slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan_dc8189d9-36b5-4d97-beab-fdcba96a37ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants_6b43a85c-9c3b-4c3f-94bb-d23dbefe43cd" xlink:href="slm-20241231.xsd#slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants_6b43a85c-9c3b-4c3f-94bb-d23dbefe43cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated_8786bb42-4418-443c-b5a0-d7ef246fefe7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated_8786bb42-4418-443c-b5a0-d7ef246fefe7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_9b19bc06-2ea5-425b-9908-8a2cd18feba7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_9b19bc06-2ea5-425b-9908-8a2cd18feba7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_ada59d58-0743-40e0-ae50-1377cb3afbd5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_ada59d58-0743-40e0-ae50-1377cb3afbd5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsRecordedInvestment_e366e5db-8b5d-4c4b-80f4-3e73b5d3ed31" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_us-gaap_FinancingReceivableModificationsRecordedInvestment_e366e5db-8b5d-4c4b-80f4-3e73b5d3ed31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_baba16b2-b502-4e9a-9557-cef70876325f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_baba16b2-b502-4e9a-9557-cef70876325f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount_cd5094ab-5360-4d62-a840-42e99ec9a569" xlink:href="slm-20241231.xsd#slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount_cd5094ab-5360-4d62-a840-42e99ec9a569" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable_f1d558a0-ea66-4c25-a715-416f0d60fe44" xlink:href="slm-20241231.xsd#slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable_f1d558a0-ea66-4c25-a715-416f0d60fe44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PeriodofLoansPastDueThatHaveAccruedInterest_44d02ecb-94b9-4404-b5c1-255aeb715549" xlink:href="slm-20241231.xsd#slm_PeriodofLoansPastDueThatHaveAccruedInterest"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_PeriodofLoansPastDueThatHaveAccruedInterest_44d02ecb-94b9-4404-b5c1-255aeb715549" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest_50c56068-5689-49c3-909c-4fff48a5fe88" xlink:href="slm-20241231.xsd#slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems_c30e493c-03a1-479b-a224-a2882ad78567" xlink:to="loc_slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest_50c56068-5689-49c3-909c-4fff48a5fe88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_3a396eca-0382-48b7-9adf-4bae65dd6db2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_9227de75-9921-4fa4-8a36-81f6e822023f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_3a396eca-0382-48b7-9adf-4bae65dd6db2" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_9227de75-9921-4fa4-8a36-81f6e822023f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_b0be96f6-6702-42e3-9d82-a6ae4ece77bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_9227de75-9921-4fa4-8a36-81f6e822023f" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_b0be96f6-6702-42e3-9d82-a6ae4ece77bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_4cefb273-e144-4bc9-957a-5b5a761a278b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_b0be96f6-6702-42e3-9d82-a6ae4ece77bb" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_4cefb273-e144-4bc9-957a-5b5a761a278b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_46a6eb8a-166f-4083-af7a-2fc8cab70aee" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_4cefb273-e144-4bc9-957a-5b5a761a278b" xlink:to="loc_slm_PrivateEducationLoansMember_46a6eb8a-166f-4083-af7a-2fc8cab70aee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_e8ac9acb-35ef-419e-b296-cb55c1dcf86c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_9227de75-9921-4fa4-8a36-81f6e822023f" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_e8ac9acb-35ef-419e-b296-cb55c1dcf86c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_618304ed-d85d-4e30-a028-b59ac5c2ad1e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_e8ac9acb-35ef-419e-b296-cb55c1dcf86c" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_618304ed-d85d-4e30-a028-b59ac5c2ad1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateBelowMarketReductionMember_b5401e44-1bfa-4a61-91b3-d81a542ef4bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestRateBelowMarketReductionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_618304ed-d85d-4e30-a028-b59ac5c2ad1e" xlink:to="loc_us-gaap_InterestRateBelowMarketReductionMember_b5401e44-1bfa-4a61-91b3-d81a542ef4bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestRateReductionAndTermExtensionMember_d9b013ef-6b2b-440f-8f67-c644ce5ca0d1" xlink:href="slm-20241231.xsd#slm_InterestRateReductionAndTermExtensionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_618304ed-d85d-4e30-a028-b59ac5c2ad1e" xlink:to="loc_slm_InterestRateReductionAndTermExtensionMember_d9b013ef-6b2b-440f-8f67-c644ce5ca0d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_f0edbd09-5273-4d44-8891-04ab59609daf" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_9227de75-9921-4fa4-8a36-81f6e822023f" xlink:to="loc_srt_RangeAxis_f0edbd09-5273-4d44-8891-04ab59609daf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_2af3825f-0fc1-4069-8a9c-8c2c54485747" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_f0edbd09-5273-4d44-8891-04ab59609daf" xlink:to="loc_srt_RangeMember_2af3825f-0fc1-4069-8a9c-8c2c54485747" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_3bec60ab-01a4-42ce-8a43-f590bc190186" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_2af3825f-0fc1-4069-8a9c-8c2c54485747" xlink:to="loc_srt_MinimumMember_3bec60ab-01a4-42ce-8a43-f590bc190186" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_ec87e742-0a6e-4640-8a78-d6eaaad2e733" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_2af3825f-0fc1-4069-8a9c-8c2c54485747" xlink:to="loc_srt_MaximumMember_ec87e742-0a6e-4640-8a78-d6eaaad2e733" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_3fa55c7e-1c12-4964-9dc1-88c649b4c43b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_9227de75-9921-4fa4-8a36-81f6e822023f" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_3fa55c7e-1c12-4964-9dc1-88c649b4c43b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost_b2497ed6-46b1-48d8-ba11-a479a5a239be" xlink:href="slm-20241231.xsd#slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_3fa55c7e-1c12-4964-9dc1-88c649b4c43b" xlink:to="loc_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost_b2497ed6-46b1-48d8-ba11-a479a5a239be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage_469e8b9b-2afc-4223-b097-2af50e250c31" xlink:href="slm-20241231.xsd#slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_3fa55c7e-1c12-4964-9dc1-88c649b4c43b" xlink:to="loc_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage_469e8b9b-2afc-4223-b097-2af50e250c31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableChangeInContractualRate_3319c722-c1b0-4add-b855-be982cf342a7" xlink:href="slm-20241231.xsd#slm_FinancingReceivableChangeInContractualRate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_3fa55c7e-1c12-4964-9dc1-88c649b4c43b" xlink:to="loc_slm_FinancingReceivableChangeInContractualRate_3319c722-c1b0-4add-b855-be982cf342a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_WeightedAverageLifeOfLoans_0719d613-a44a-440a-bef2-639415865184" xlink:href="slm-20241231.xsd#slm_WeightedAverageLifeOfLoans"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_3fa55c7e-1c12-4964-9dc1-88c649b4c43b" xlink:to="loc_slm_WeightedAverageLifeOfLoans_0719d613-a44a-440a-bef2-639415865184" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_66091bf0-38cb-45b1-b7cd-af6830b03039" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_6110b962-3188-406d-b5b8-e7f87454ad23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_66091bf0-38cb-45b1-b7cd-af6830b03039" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_6110b962-3188-406d-b5b8-e7f87454ad23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_ed41d1e7-d860-4bb2-a025-7a2dbf45eb06" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_6110b962-3188-406d-b5b8-e7f87454ad23" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_ed41d1e7-d860-4bb2-a025-7a2dbf45eb06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_8ecd8c3e-78f0-499a-b530-a426415dcfbc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_ed41d1e7-d860-4bb2-a025-7a2dbf45eb06" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_8ecd8c3e-78f0-499a-b530-a426415dcfbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_86d13742-e092-471c-8bbb-461b8b39fee0" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_8ecd8c3e-78f0-499a-b530-a426415dcfbc" xlink:to="loc_slm_PrivateEducationLoansMember_86d13742-e092-471c-8bbb-461b8b39fee0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_1caca061-cb52-498b-8444-d7951727e1c0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_6110b962-3188-406d-b5b8-e7f87454ad23" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_1caca061-cb52-498b-8444-d7951727e1c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_6c76d25b-2b19-4283-93a6-c4db4e342fc4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_1caca061-cb52-498b-8444-d7951727e1c0" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_6c76d25b-2b19-4283-93a6-c4db4e342fc4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualInterestRateReductionMember_8dea05c9-36bc-428f-a89d-3968f3f0976c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ContractualInterestRateReductionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_6c76d25b-2b19-4283-93a6-c4db4e342fc4" xlink:to="loc_us-gaap_ContractualInterestRateReductionMember_8dea05c9-36bc-428f-a89d-3968f3f0976c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_8940fd88-8abe-44b4-906c-bd47eb1ba6c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ExtendedMaturityAndInterestRateReductionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_6c76d25b-2b19-4283-93a6-c4db4e342fc4" xlink:to="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_8940fd88-8abe-44b4-906c-bd47eb1ba6c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_6606b694-1151-486a-96c3-a6338a88cbd3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_6110b962-3188-406d-b5b8-e7f87454ad23" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_6606b694-1151-486a-96c3-a6338a88cbd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_a4375b96-1549-4f89-9e57-2ade06f31e2c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_6606b694-1151-486a-96c3-a6338a88cbd3" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_a4375b96-1549-4f89-9e57-2ade06f31e2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember_6089f6a6-f9a1-4176-af6d-6a78c8f5d0cf" xlink:href="slm-20241231.xsd#slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_a4375b96-1549-4f89-9e57-2ade06f31e2c" xlink:to="loc_slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember_6089f6a6-f9a1-4176-af6d-6a78c8f5d0cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2c69a17e-256d-41e8-94a7-9b2a903a4515" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_6110b962-3188-406d-b5b8-e7f87454ad23" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2c69a17e-256d-41e8-94a7-9b2a903a4515" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_d4753cab-21cf-4f90-9212-1e3d8310d2f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2c69a17e-256d-41e8-94a7-9b2a903a4515" xlink:to="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_d4753cab-21cf-4f90-9212-1e3d8310d2f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_cea590aa-f450-462f-b418-c1eb205a11f2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2c69a17e-256d-41e8-94a7-9b2a903a4515" xlink:to="loc_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_cea590aa-f450-462f-b418-c1eb205a11f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_4b02eb4f-ec19-4429-a567-cad98202ff6f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b8446dd7-46c2-420c-ad7b-990d100daf05" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_4b02eb4f-ec19-4429-a567-cad98202ff6f" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b8446dd7-46c2-420c-ad7b-990d100daf05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_8ca71f47-eabb-4881-8986-315eb8f5d2ad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b8446dd7-46c2-420c-ad7b-990d100daf05" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_8ca71f47-eabb-4881-8986-315eb8f5d2ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain_13dfdf21-89e4-4fc8-9509-2b8648b5ad24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis_8ca71f47-eabb-4881-8986-315eb8f5d2ad" xlink:to="loc_us-gaap_IndustryOfCounterpartyDomain_13dfdf21-89e4-4fc8-9509-2b8648b5ad24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_638e6a1c-0264-492a-86fe-dcd50ca6a2bb" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain_13dfdf21-89e4-4fc8-9509-2b8648b5ad24" xlink:to="loc_slm_PrivateEducationLoansMember_638e6a1c-0264-492a-86fe-dcd50ca6a2bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e45f6a19-7841-4e23-867e-3bce33e9b69f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b8446dd7-46c2-420c-ad7b-990d100daf05" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e45f6a19-7841-4e23-867e-3bce33e9b69f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e45f6a19-7841-4e23-867e-3bce33e9b69f" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoanDefermentMember_9dbe31cb-6e47-4d27-82fb-25b2fc164c34" xlink:href="slm-20241231.xsd#slm_LoanDefermentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:to="loc_slm_LoanDefermentMember_9dbe31cb-6e47-4d27-82fb-25b2fc164c34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_83c993b0-a5a6-4a40-80dd-f0841315b509" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_83c993b0-a5a6-4a40-80dd-f0841315b509" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_c4abc91e-1cc5-42b6-ac8b-e1f413584d3d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_c4abc91e-1cc5-42b6-ac8b-e1f413584d3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_22cc45fa-20cf-43a1-a130-8f825abb9482" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_22cc45fa-20cf-43a1-a130-8f825abb9482" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_9129b9c9-80ef-40a5-8fc1-79edfe05bf23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4913994f-01ff-445b-89c1-54a9380c93e2" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_9129b9c9-80ef-40a5-8fc1-79edfe05bf23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4ac16fdf-e00e-4d70-8ee8-3d622e7a21d0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b8446dd7-46c2-420c-ad7b-990d100daf05" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4ac16fdf-e00e-4d70-8ee8-3d622e7a21d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_489bcfb7-98ae-4002-ad4f-ec6130f95577" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4ac16fdf-e00e-4d70-8ee8-3d622e7a21d0" xlink:to="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_489bcfb7-98ae-4002-ad4f-ec6130f95577" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent_a3d9c138-f545-44d6-8be9-c9e8f3b3e09e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4ac16fdf-e00e-4d70-8ee8-3d622e7a21d0" xlink:to="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent_a3d9c138-f545-44d6-8be9-c9e8f3b3e09e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount_f958d255-8ec3-4110-bc0a-b6dfa8088cf9" xlink:href="slm-20241231.xsd#slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4ac16fdf-e00e-4d70-8ee8-3d622e7a21d0" xlink:to="loc_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount_f958d255-8ec3-4110-bc0a-b6dfa8088cf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_29958dbb-602c-4ada-bff0-2a2179f694b2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_29958dbb-602c-4ada-bff0-2a2179f694b2" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_c63f6fe8-1d58-4250-bcec-09370fd1ffd4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_c63f6fe8-1d58-4250-bcec-09370fd1ffd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_1da3f381-d349-4eab-bce9-8d7277c28588" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_c63f6fe8-1d58-4250-bcec-09370fd1ffd4" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_1da3f381-d349-4eab-bce9-8d7277c28588" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StudentLoanMember_427f89fa-e16a-4266-9482-691cecd0b1e5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StudentLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_1da3f381-d349-4eab-bce9-8d7277c28588" xlink:to="loc_us-gaap_StudentLoanMember_427f89fa-e16a-4266-9482-691cecd0b1e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsAxis_fa7f97db-3b61-457d-95a3-9642e70d21bc" xlink:href="slm-20241231.xsd#slm_CreditQualityIndicatorsAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:to="loc_slm_CreditQualityIndicatorsAxis_fa7f97db-3b61-457d-95a3-9642e70d21bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsDomain_f8253b56-eeed-488d-9e8a-e272de07e03b" xlink:href="slm-20241231.xsd#slm_CreditQualityIndicatorsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_CreditQualityIndicatorsAxis_fa7f97db-3b61-457d-95a3-9642e70d21bc" xlink:to="loc_slm_CreditQualityIndicatorsDomain_f8253b56-eeed-488d-9e8a-e272de07e03b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInSchoolGraceDefermentMember_95046d1e-17b9-4384-9006-dea690700752" xlink:href="slm-20241231.xsd#slm_LoansInSchoolGraceDefermentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_CreditQualityIndicatorsDomain_f8253b56-eeed-488d-9e8a-e272de07e03b" xlink:to="loc_slm_LoansInSchoolGraceDefermentMember_95046d1e-17b9-4384-9006-dea690700752" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceMember_0bff9951-f20b-4a38-be8a-ee4f7669c992" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_CreditQualityIndicatorsDomain_f8253b56-eeed-488d-9e8a-e272de07e03b" xlink:to="loc_slm_LoansInForbearanceMember_0bff9951-f20b-4a38-be8a-ee4f7669c992" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9b72473e-28f9-4dac-9dc7-84d7ef0be5d1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9b72473e-28f9-4dac-9dc7-84d7ef0be5d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_42581fc2-6fd6-4e36-9bc9-62c56f8a2a57" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9b72473e-28f9-4dac-9dc7-84d7ef0be5d1" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_42581fc2-6fd6-4e36-9bc9-62c56f8a2a57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_7e3135e2-cf77-4af0-931b-291c59d57afa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_42581fc2-6fd6-4e36-9bc9-62c56f8a2a57" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_7e3135e2-cf77-4af0-931b-291c59d57afa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_407d1c0b-9aea-4c8e-861b-b2bfa89f3778" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_407d1c0b-9aea-4c8e-861b-b2bfa89f3778" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_407d1c0b-9aea-4c8e-861b-b2bfa89f3778" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInSchoolGraceDefermentMember_25f5cde3-89f2-475e-9ce8-58ec8c2d1ab6" xlink:href="slm-20241231.xsd#slm_LoansInSchoolGraceDefermentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:to="loc_slm_LoansInSchoolGraceDefermentMember_25f5cde3-89f2-475e-9ce8-58ec8c2d1ab6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_5e75d9e1-b265-4826-8143-83ba5db170c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_5e75d9e1-b265-4826-8143-83ba5db170c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_0dcf70f7-afd1-4517-aae8-b308c6e57f51" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_0dcf70f7-afd1-4517-aae8-b308c6e57f51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_86c718a9-8871-4fbb-811f-6b171a583d1c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_86c718a9-8871-4fbb-811f-6b171a583d1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_8e6448f2-73c5-4b8c-9c6d-a300e010c9e5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_4aa9ece6-7f45-4409-bb67-a382bb6677fb" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_8e6448f2-73c5-4b8c-9c6d-a300e010c9e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_b720b37c-25d7-4ced-bf3d-b78683f167ed" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_0010d448-8eff-4963-afd8-794b84806175" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_0010d448-8eff-4963-afd8-794b84806175" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_a76bd39b-3084-472d-88e8-82208112a7e6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_a76bd39b-3084-472d-88e8-82208112a7e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_6fc70a66-da02-4b30-a709-d0a21bd54432" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_6fc70a66-da02-4b30-a709-d0a21bd54432" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_0958fda5-7f70-4be4-a04e-e9479c41811d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_0958fda5-7f70-4be4-a04e-e9479c41811d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_e43fe6a0-029f-431a-86bc-bceaf3ca35f0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_e43fe6a0-029f-431a-86bc-bceaf3ca35f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_34ceff79-7c51-4935-bc65-e6c9332262c6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_34ceff79-7c51-4935-bc65-e6c9332262c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_5bd6221b-b7a9-472c-b76a-4b778d0f9978" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_5bd6221b-b7a9-472c-b76a-4b778d0f9978" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear_4c882bd3-f070-4aa8-be39-f4728952d706" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear_4c882bd3-f070-4aa8-be39-f4728952d706" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_deb4de34-ed01-4eb1-880e-9e2e527f085e" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_deb4de34-ed01-4eb1-880e-9e2e527f085e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_07b4ce24-b2d9-4cc3-a8ee-d7b412cef895" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_07b4ce24-b2d9-4cc3-a8ee-d7b412cef895" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_fb2e706d-b97c-4640-a82b-1febba50438c" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_fb2e706d-b97c-4640-a82b-1febba50438c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_c980a6ad-d5c3-46f1-aff5-2fe86320c061" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_c980a6ad-d5c3-46f1-aff5-2fe86320c061" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear_8ccbda6a-6a56-4d87-8661-3ac5c0a40ca2" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear_8ccbda6a-6a56-4d87-8661-3ac5c0a40ca2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_ddc786e7-9474-4dc4-8280-e1e2727b8a73" xlink:href="slm-20241231.xsd#slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss_ddc786e7-9474-4dc4-8280-e1e2727b8a73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedInCurrentFiscalYear_33c2f8c9-c60e-4ca4-9f42-e91751fe309d" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentOriginatedInCurrentFiscalYear_33c2f8c9-c60e-4ca4-9f42-e91751fe309d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_8d8e45c4-2eca-4fe1-b221-3c2a80ac25fc" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_8d8e45c4-2eca-4fe1-b221-3c2a80ac25fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_85e229c0-f091-41ed-b627-251208e4b613" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_85e229c0-f091-41ed-b627-251208e4b613" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_0d5823d0-a442-4383-86d8-d17b92fd768d" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_0d5823d0-a442-4383-86d8-d17b92fd768d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_2fa0a9a2-9180-4f66-b384-c41dd088e126" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_2fa0a9a2-9180-4f66-b384-c41dd088e126" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_ea579774-bc92-4d41-b8fd-345f0af80c0d" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_ea579774-bc92-4d41-b8fd-345f0af80c0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_1b1363b7-b1f4-498e-b56e-f08f073b3ba1" xlink:href="slm-20241231.xsd#slm_LoansInRepaymentBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInRepaymentBeforeAllowanceForCreditLoss_1b1363b7-b1f4-498e-b56e-f08f073b3ba1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedInCurrentFiscalYear_4a1f610f-08b8-4175-813f-b1597d5d775a" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossOriginatedInCurrentFiscalYear_4a1f610f-08b8-4175-813f-b1597d5d775a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear_cf740aa9-ea00-4551-ac81-f4bdee3ea707" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear_cf740aa9-ea00-4551-ac81-f4bdee3ea707" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear_561e0649-360a-47c4-a977-25a9ed01f4cd" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear_561e0649-360a-47c4-a977-25a9ed01f4cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear_525a930c-07e9-43b9-b889-b58497a8d559" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear_525a930c-07e9-43b9-b889-b58497a8d559" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear_e26c58b4-6ea9-4d6d-95cd-95395055d7a5" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear_e26c58b4-6ea9-4d6d-95cd-95395055d7a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear_7dfbc237-91c9-49d0-bee4-97a36bd82162" xlink:href="slm-20241231.xsd#slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear_7dfbc237-91c9-49d0-bee4-97a36bd82162" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansGrossBeforeAllowanceForCreditLoss_ec3678f0-98b8-4094-bd99-ebd281117dc3" xlink:href="slm-20241231.xsd#slm_LoansGrossBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansGrossBeforeAllowanceForCreditLoss_ec3678f0-98b8-4094-bd99-ebd281117dc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear_ac9761c1-6ee0-4395-95f0-ee0b76e749d5" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear_ac9761c1-6ee0-4395-95f0-ee0b76e749d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear_3fdb714e-7b8b-405d-9781-f57b042d980b" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear_3fdb714e-7b8b-405d-9781-f57b042d980b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear_2bb2016b-119a-4934-9b71-530a97314612" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear_2bb2016b-119a-4934-9b71-530a97314612" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear_d5675eef-4323-4441-9fef-b362913bb28b" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="32" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear_d5675eef-4323-4441-9fef-b362913bb28b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear_c924720d-cadc-4f38-b1fa-052367ec23a5" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear_c924720d-cadc-4f38-b1fa-052367ec23a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_bd4c2297-df10-4502-a282-90d86fd208af" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="34" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_bd4c2297-df10-4502-a282-90d86fd208af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_a8ecbc65-c06a-45c0-a688-1a518b7dd5b3" xlink:href="slm-20241231.xsd#slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="35" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss_a8ecbc65-c06a-45c0-a688-1a518b7dd5b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedInCurrentFiscalYear_3dd2bdc7-2128-43ed-bb84-23187551c45b" xlink:href="slm-20241231.xsd#slm_LoansOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="36" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansOriginatedInCurrentFiscalYear_3dd2bdc7-2128-43ed-bb84-23187551c45b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear_4900ec3a-2b69-4cf5-a4fe-1c2169222027" xlink:href="slm-20241231.xsd#slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="37" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear_4900ec3a-2b69-4cf5-a4fe-1c2169222027" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear_91d4966f-c90e-42c1-93b7-1b84709d4d48" xlink:href="slm-20241231.xsd#slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="38" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear_91d4966f-c90e-42c1-93b7-1b84709d4d48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear_380fa19e-7bbc-4cfd-a32e-b7e97d4c00cf" xlink:href="slm-20241231.xsd#slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="39" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear_380fa19e-7bbc-4cfd-a32e-b7e97d4c00cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear_05a23f2b-d55e-4441-94a6-79c4d2d82b65" xlink:href="slm-20241231.xsd#slm_LoansOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="40" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear_05a23f2b-d55e-4441-94a6-79c4d2d82b65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_1f3e1ffd-0be2-4fba-9977-8a4926d58276" xlink:href="slm-20241231.xsd#slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="41" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_1f3e1ffd-0be2-4fba-9977-8a4926d58276" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansBeforeAllowanceForCreditLoss_aefb2a2b-cc63-41e2-ac8b-ec670e9ecbe5" xlink:href="slm-20241231.xsd#slm_LoansBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="42" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansBeforeAllowanceForCreditLoss_aefb2a2b-cc63-41e2-ac8b-ec670e9ecbe5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear_5c111bfd-6be4-4ac5-b9c8-c6b0f29ee8bf" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="43" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear_5c111bfd-6be4-4ac5-b9c8-c6b0f29ee8bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear_6a26610c-7b75-43a6-9dc1-13c0bae5411e" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="44" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear_6a26610c-7b75-43a6-9dc1-13c0bae5411e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_8a20b85d-debb-4a8a-8f7a-b15ef1472e43" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="45" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_8a20b85d-debb-4a8a-8f7a-b15ef1472e43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_ac3a6310-09b2-42de-ad98-2d03850d1bfe" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="46" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_ac3a6310-09b2-42de-ad98-2d03850d1bfe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_ae7ea137-4a59-40ca-8207-26e6bba1a0b1" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="47" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_ae7ea137-4a59-40ca-8207-26e6bba1a0b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_04aa9ff9-3d36-4d90-a6cf-274e6713bd35" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="48" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_04aa9ff9-3d36-4d90-a6cf-274e6713bd35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_99484418-4837-49ac-aaef-601f97a79e01" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="49" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_99484418-4837-49ac-aaef-601f97a79e01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear_45ed5e4a-0ece-48ae-a7f6-2a4e7b811cb7" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="50" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear_45ed5e4a-0ece-48ae-a7f6-2a4e7b811cb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear_0c57ffc8-5368-463d-864b-51669cef93ab" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="51" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear_0c57ffc8-5368-463d-864b-51669cef93ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_fc9471b6-baf0-4b3b-9a54-7902f9318b53" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="52" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear_fc9471b6-baf0-4b3b-9a54-7902f9318b53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_2d204e12-9210-404b-befa-69b67cd9ff4b" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="53" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear_2d204e12-9210-404b-befa-69b67cd9ff4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_055ef419-7c33-4164-9e95-9ad5cc0a02bd" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="54" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear_055ef419-7c33-4164-9e95-9ad5cc0a02bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_f94a9971-241d-4385-8db0-dfdc1282db05" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="55" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear_f94a9971-241d-4385-8db0-dfdc1282db05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_78bd4416-972f-420f-a0a2-976e438c4086" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="56" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_78bd4416-972f-420f-a0a2-976e438c4086" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_27e717c7-2ddd-4f78-84e2-26f943bca547" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="57" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_27e717c7-2ddd-4f78-84e2-26f943bca547" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_3667958d-5446-432b-ba0c-40ce3e65533c" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="58" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_3667958d-5446-432b-ba0c-40ce3e65533c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear_dad3458c-8962-4feb-b14b-2105a6e016af" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="59" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear_dad3458c-8962-4feb-b14b-2105a6e016af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear_091ce399-961c-4979-868b-8f8360bba291" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="60" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear_091ce399-961c-4979-868b-8f8360bba291" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear_f58aba34-9f5d-4aa2-8aba-6860b3e83b07" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="61" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear_f58aba34-9f5d-4aa2-8aba-6860b3e83b07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_c7679e9a-9825-4e4f-9269-808afd2c93d9" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="62" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_c7679e9a-9825-4e4f-9269-808afd2c93d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss_36b21015-19d4-4d46-8bf2-5959dffe375a" xlink:href="slm-20241231.xsd#slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="63" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss_36b21015-19d4-4d46-8bf2-5959dffe375a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_31ad0a82-832d-4cf2-85b6-d9e4ebaffd58" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="64" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear_31ad0a82-832d-4cf2-85b6-d9e4ebaffd58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_199c1f58-137d-49e7-a2e3-e2c897181eb6" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="65" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear_199c1f58-137d-49e7-a2e3-e2c897181eb6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_ae653f8a-e3ce-4b2a-9b3c-e7ca5f104368" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="66" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear_ae653f8a-e3ce-4b2a-9b3c-e7ca5f104368" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_c2fa72a9-735d-430b-8f84-338da22869b5" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="67" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear_c2fa72a9-735d-430b-8f84-338da22869b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_7d82887c-8fea-406f-b163-b5acb62c0125" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="68" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear_7d82887c-8fea-406f-b163-b5acb62c0125" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear_64293ba8-efcd-4af8-b71f-5c87cae3af7f" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="69" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear_64293ba8-efcd-4af8-b71f-5c87cae3af7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DelinquenciesAsPercentageOfLoansInRepayment_6c6e191d-a536-495e-82e1-b48512a6d31f" xlink:href="slm-20241231.xsd#slm_DelinquenciesAsPercentageOfLoansInRepayment"/>
    <link:presentationArc order="70" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_DelinquenciesAsPercentageOfLoansInRepayment_6c6e191d-a536-495e-82e1-b48512a6d31f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance_a150a56c-7da2-41e0-8db8-0fa8f3ff066f" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance"/>
    <link:presentationArc order="71" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance_a150a56c-7da2-41e0-8db8-0fa8f3ff066f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear_43c8515f-d8f4-4e1b-bed2-b00addd5ada5" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="72" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear_43c8515f-d8f4-4e1b-bed2-b00addd5ada5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear_721e231c-0592-4655-a9d8-89d82289391d" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="73" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear_721e231c-0592-4655-a9d8-89d82289391d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear_cfacd896-3a7c-4638-81c9-27fdddda1733" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="74" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear_cfacd896-3a7c-4638-81c9-27fdddda1733" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear_9f7a25c1-84b6-4665-95a1-7b131d19c728" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="75" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear_9f7a25c1-84b6-4665-95a1-7b131d19c728" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_18edeaef-6b16-4ae9-9463-25d66160e21f" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="76" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_18edeaef-6b16-4ae9-9463-25d66160e21f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance_d5545bc0-432c-48a2-bf99-84b5d85ccd3c" xlink:href="slm-20241231.xsd#slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance"/>
    <link:presentationArc order="77" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_889f92c5-b45d-4ab5-b858-eb023706c927" xlink:to="loc_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance_d5545bc0-432c-48a2-bf99-84b5d85ccd3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_61ad9b38-bff5-4dfb-80d9-3f4a69898eb4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_61ad9b38-bff5-4dfb-80d9-3f4a69898eb4" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9e4c8d7a-36aa-4486-b0ae-36c75ceb537d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9e4c8d7a-36aa-4486-b0ae-36c75ceb537d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_90914e8f-ec17-40d2-8559-d4524722ef43" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9e4c8d7a-36aa-4486-b0ae-36c75ceb537d" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_90914e8f-ec17-40d2-8559-d4524722ef43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_46a9080d-b76a-43d0-a70a-3d552b15cd4a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_90914e8f-ec17-40d2-8559-d4524722ef43" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_46a9080d-b76a-43d0-a70a-3d552b15cd4a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f75af976-7e77-4f17-aa36-3e889637ebfd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f75af976-7e77-4f17-aa36-3e889637ebfd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9139b801-1d89-4ff7-9797-7b6966f24986" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f75af976-7e77-4f17-aa36-3e889637ebfd" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9139b801-1d89-4ff7-9797-7b6966f24986" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StudentLoanMember_eaacf197-1b27-4d19-8aa9-c8aad3a97085" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StudentLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9139b801-1d89-4ff7-9797-7b6966f24986" xlink:to="loc_us-gaap_StudentLoanMember_eaacf197-1b27-4d19-8aa9-c8aad3a97085" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsAxis_1f0d8c5b-bf95-42ca-8d1d-1c7beebed2bb" xlink:href="slm-20241231.xsd#slm_CreditQualityIndicatorsAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_slm_CreditQualityIndicatorsAxis_1f0d8c5b-bf95-42ca-8d1d-1c7beebed2bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CreditQualityIndicatorsDomain_be9df428-3177-4ed4-b6b4-5ed35900777d" xlink:href="slm-20241231.xsd#slm_CreditQualityIndicatorsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_CreditQualityIndicatorsAxis_1f0d8c5b-bf95-42ca-8d1d-1c7beebed2bb" xlink:to="loc_slm_CreditQualityIndicatorsDomain_be9df428-3177-4ed4-b6b4-5ed35900777d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CosignerMember_b7284c02-2931-4fa0-a479-a7dfae7ffc33" xlink:href="slm-20241231.xsd#slm_CosignerMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_CreditQualityIndicatorsDomain_be9df428-3177-4ed4-b6b4-5ed35900777d" xlink:to="loc_slm_CosignerMember_b7284c02-2931-4fa0-a479-a7dfae7ffc33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_WithCosignerMember_efc31f70-4f85-48b1-9119-c05dff746694" xlink:href="slm-20241231.xsd#slm_WithCosignerMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_CosignerMember_b7284c02-2931-4fa0-a479-a7dfae7ffc33" xlink:to="loc_slm_WithCosignerMember_efc31f70-4f85-48b1-9119-c05dff746694" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_WithoutCosignerMember_37f30585-bc81-426c-86ee-cc18a3e374c9" xlink:href="slm-20241231.xsd#slm_WithoutCosignerMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_CosignerMember_b7284c02-2931-4fa0-a479-a7dfae7ffc33" xlink:to="loc_slm_WithoutCosignerMember_37f30585-bc81-426c-86ee-cc18a3e374c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchoolFicoMember_fef19588-b111-4804-b9fe-fb6f4e2b2735" xlink:href="slm-20241231.xsd#slm_SchoolFicoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_CreditQualityIndicatorsDomain_be9df428-3177-4ed4-b6b4-5ed35900777d" xlink:to="loc_slm_SchoolFicoMember_fef19588-b111-4804-b9fe-fb6f4e2b2735" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchoolFICORefreshedAmountsMember_36c7e094-b0ca-4b4a-8608-32ab5fa3ed54" xlink:href="slm-20241231.xsd#slm_SchoolFICORefreshedAmountsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_CreditQualityIndicatorsDomain_be9df428-3177-4ed4-b6b4-5ed35900777d" xlink:to="loc_slm_SchoolFICORefreshedAmountsMember_36c7e094-b0ca-4b4a-8608-32ab5fa3ed54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_RepaymentsMember_d42bfbc9-b1f9-4861-b2a5-7b0458cab76b" xlink:href="slm-20241231.xsd#slm_RepaymentsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_CreditQualityIndicatorsDomain_be9df428-3177-4ed4-b6b4-5ed35900777d" xlink:to="loc_slm_RepaymentsMember_d42bfbc9-b1f9-4861-b2a5-7b0458cab76b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoAxis_10a9aaaa-c3ae-4f00-9e93-76bdb7ada1bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditScoreFicoAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_us-gaap_CreditScoreFicoAxis_10a9aaaa-c3ae-4f00-9e93-76bdb7ada1bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoDomain_b538c6d3-e10d-4262-a98d-ef4af7703aed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditScoreFicoDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoAxis_10a9aaaa-c3ae-4f00-9e93-76bdb7ada1bb" xlink:to="loc_us-gaap_CreditScoreFicoDomain_b538c6d3-e10d-4262-a98d-ef4af7703aed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscorelessthan670Member_4a58f889-2b1d-4286-a996-88e08973d2cc" xlink:href="slm-20241231.xsd#slm_FICOscorelessthan670Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_b538c6d3-e10d-4262-a98d-ef4af7703aed" xlink:to="loc_slm_FICOscorelessthan670Member_4a58f889-2b1d-4286-a996-88e08973d2cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscore670699Member_219daaea-b498-47fa-a88a-ac1fe9099fca" xlink:href="slm-20241231.xsd#slm_FICOscore670699Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_b538c6d3-e10d-4262-a98d-ef4af7703aed" xlink:to="loc_slm_FICOscore670699Member_219daaea-b498-47fa-a88a-ac1fe9099fca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscore700749Member_bff3f91e-38de-4060-9e4f-5898c5f31e63" xlink:href="slm-20241231.xsd#slm_FICOscore700749Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_b538c6d3-e10d-4262-a98d-ef4af7703aed" xlink:to="loc_slm_FICOscore700749Member_bff3f91e-38de-4060-9e4f-5898c5f31e63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FICOscoregreaterthan750Member_7bd07ec7-d672-4ddb-9cf6-f16c2064579d" xlink:href="slm-20241231.xsd#slm_FICOscoregreaterthan750Member"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_b538c6d3-e10d-4262-a98d-ef4af7703aed" xlink:to="loc_slm_FICOscoregreaterthan750Member_7bd07ec7-d672-4ddb-9cf6-f16c2064579d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis_a38d789d-8d1f-410a-a6ce-5bae10cd21c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CollateralAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_us-gaap_CollateralAxis_a38d789d-8d1f-410a-a6ce-5bae10cd21c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CollateralDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralAxis_a38d789d-8d1f-410a-a6ce-5bae10cd21c3" xlink:to="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember_78f05a37-bb3e-4ba2-8a73-8e8274a4d6e4" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember_78f05a37-bb3e-4ba2-8a73-8e8274a4d6e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember_9f5d732e-72ba-4359-89a6-62c7df72e253" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember_9f5d732e-72ba-4359-89a6-62c7df72e253" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember_c0cfcfac-b545-4202-b55d-3661b9207cc5" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember_c0cfcfac-b545-4202-b55d-3661b9207cc5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember_b902876d-6522-491d-bb37-ec0ef4a9415b" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember_b902876d-6522-491d-bb37-ec0ef4a9415b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember_a19482e7-c9d5-4d7b-a45e-6f733dbe52d0" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember_a19482e7-c9d5-4d7b-a45e-6f733dbe52d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember_0e39a236-0b3b-4a85-9b9f-1c63f7783e33" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_656024ef-e3bf-483b-848f-16becf7dabdd" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember_0e39a236-0b3b-4a85-9b9f-1c63f7783e33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_92e88b71-fc6e-46d4-bd6d-48375a3a5950" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_92e88b71-fc6e-46d4-bd6d-48375a3a5950" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_37c99fec-94e3-41d6-bde6-f77a7361f21a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_92e88b71-fc6e-46d4-bd6d-48375a3a5950" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_37c99fec-94e3-41d6-bde6-f77a7361f21a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_c2be8e08-c938-4d36-8301-21f54cfc6745" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_37c99fec-94e3-41d6-bde6-f77a7361f21a" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_c2be8e08-c938-4d36-8301-21f54cfc6745" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_e9e5a915-2713-4f59-99c0-4d4294daf04c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_37c99fec-94e3-41d6-bde6-f77a7361f21a" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_e9e5a915-2713-4f59-99c0-4d4294daf04c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_420f6bf0-479c-464b-b0da-38d540a55480" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_37c99fec-94e3-41d6-bde6-f77a7361f21a" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_420f6bf0-479c-464b-b0da-38d540a55480" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_70c79f0b-854b-48b1-a0b3-75d7b8d5e649" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_37c99fec-94e3-41d6-bde6-f77a7361f21a" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_70c79f0b-854b-48b1-a0b3-75d7b8d5e649" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_21e1e348-46a9-4123-8397-b1943dae5605" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_9331c855-3179-4fd1-b4f6-cd7dc720f86e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_9331c855-3179-4fd1-b4f6-cd7dc720f86e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_5986457c-baa7-446e-adc8-424b45425ed1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_5986457c-baa7-446e-adc8-424b45425ed1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_14f0fceb-42d1-4844-af11-a51c762dc6c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_14f0fceb-42d1-4844-af11-a51c762dc6c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_dda032e9-a120-491c-97cc-01bfac69f876" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_dda032e9-a120-491c-97cc-01bfac69f876" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_ab9cad25-d931-4f59-9ce6-f23486db8405" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_ab9cad25-d931-4f59-9ce6-f23486db8405" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_549c4c9f-1ce6-4034-947c-8c16a980503a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_549c4c9f-1ce6-4034-947c-8c16a980503a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_a668b795-aa24-4e80-9c90-3f6f61b02eec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_a668b795-aa24-4e80-9c90-3f6f61b02eec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:href="slm-20241231.xsd#slm_PercentOfBalanceAbstract"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PercentOfPrivateLoans_92b0335d-c209-4e0b-94d6-028261fc6757" xlink:href="slm-20241231.xsd#slm_PercentOfPrivateLoans"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_PercentOfPrivateLoans_92b0335d-c209-4e0b-94d6-028261fc6757" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansAtOrigination_2862fa56-3c21-4547-94ec-cfab206ddc9d" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansAtOrigination"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_PrivateEducationLoansAtOrigination_2862fa56-3c21-4547-94ec-cfab206ddc9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent_ba2205ce-385c-4309-89f2-e933719c3f76" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent_ba2205ce-385c-4309-89f2-e933719c3f76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent_337bba0d-9d00-4728-8b0a-e9708be09195" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent_337bba0d-9d00-4728-8b0a-e9708be09195" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent_884a120b-f4ad-4fe4-8cee-0744889c800c" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent_884a120b-f4ad-4fe4-8cee-0744889c800c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent_7a928318-b74f-493d-b1ee-b19c19fe5358" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent_7a928318-b74f-493d-b1ee-b19c19fe5358" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent_c0da36e7-0b2b-4e9e-92a7-f9d6bd771191" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent_c0da36e7-0b2b-4e9e-92a7-f9d6bd771191" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent_f34c9fad-be00-4a1b-9f53-4a1ec598caaa" xlink:href="slm-20241231.xsd#slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent_f34c9fad-be00-4a1b-9f53-4a1ec598caaa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansGrossPercentage_33f1a51e-9e08-4659-8b7e-26a1aafb6834" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansGrossPercentage"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_PercentOfBalanceAbstract_c9bf18c5-0b13-41a5-ad65-addf7a450f12" xlink:to="loc_slm_PrivateEducationLoansGrossPercentage_33f1a51e-9e08-4659-8b7e-26a1aafb6834" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear_cbee0fd4-60bd-4f55-8209-dbc20050bb6d" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear_cbee0fd4-60bd-4f55-8209-dbc20050bb6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear_d4432040-ff49-4111-adcf-cabf43827fe7" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear_d4432040-ff49-4111-adcf-cabf43827fe7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear_da4c4c5a-7466-4aea-a435-5a0512c84a18" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear_da4c4c5a-7466-4aea-a435-5a0512c84a18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear_2bca5e6d-3ca8-4ae2-8408-0536dbe383fa" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear_2bca5e6d-3ca8-4ae2-8408-0536dbe383fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear_fd7d45c9-d365-4dbc-844f-cbe3dee90b11" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear_fd7d45c9-d365-4dbc-844f-cbe3dee90b11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_d7d9aa91-de64-4203-ac9d-eee6be027967" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_d7d9aa91-de64-4203-ac9d-eee6be027967" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_4fefb200-91f8-4dda-8e3e-36f14a868b35" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_4fefb200-91f8-4dda-8e3e-36f14a868b35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear_95599981-4f73-436a-8f04-c4686c2f69cd" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear_95599981-4f73-436a-8f04-c4686c2f69cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_1d18d85d-3cbc-4fd7-bc9c-d27dac73c4fd" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_1d18d85d-3cbc-4fd7-bc9c-d27dac73c4fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_4ca593fc-f3b8-4e04-a04c-746b72f54108" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_4ca593fc-f3b8-4e04-a04c-746b72f54108" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_10c00ed3-68f2-48e3-b108-dd26a999163f" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_10c00ed3-68f2-48e3-b108-dd26a999163f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_0da4b1e8-b575-469b-b05a-d9bfbf4a69c6" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_0da4b1e8-b575-469b-b05a-d9bfbf4a69c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_421c3fa5-15a7-4ead-9b4c-3a6499872927" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_421c3fa5-15a7-4ead-9b4c-3a6499872927" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_e3488881-508e-48c9-969c-51c5e84ca617" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_e3488881-508e-48c9-969c-51c5e84ca617" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear_cc68b7c3-3e02-419a-a5f0-b7b6dee28d8e" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear_cc68b7c3-3e02-419a-a5f0-b7b6dee28d8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_9e173420-b90e-4fc0-9dda-5eb29180b457" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear_9e173420-b90e-4fc0-9dda-5eb29180b457" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_22a860ad-caef-4a3e-9816-6a4f144940aa" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear_22a860ad-caef-4a3e-9816-6a4f144940aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_658d51ce-cf5e-4c25-847c-0116fc080633" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear_658d51ce-cf5e-4c25-847c-0116fc080633" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_5dd0f4d8-becd-423c-bb0b-94a7b3855053" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear_5dd0f4d8-becd-423c-bb0b-94a7b3855053" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_e2ea3eb6-0268-4993-8d5b-9de83ebf490d" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear_e2ea3eb6-0268-4993-8d5b-9de83ebf490d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_c3d5cb21-9a27-4334-acf5-5762786bfe65" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_c3d5cb21-9a27-4334-acf5-5762786bfe65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear_9e6b4816-1bc3-423a-9558-272af7775037" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear_9e6b4816-1bc3-423a-9558-272af7775037" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear_0ec2acec-2f74-4b3c-a028-e94ac23c5e45" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear_0ec2acec-2f74-4b3c-a028-e94ac23c5e45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear_2f169aa3-80b9-4be0-99ff-83b8a4b21231" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="32" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear_2f169aa3-80b9-4be0-99ff-83b8a4b21231" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear_8e8ac258-18b5-467f-934e-d48c32b5ab59" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear_8e8ac258-18b5-467f-934e-d48c32b5ab59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear_0312781b-4930-4f75-83be-c6c39d652748" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="34" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear_0312781b-4930-4f75-83be-c6c39d652748" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_4effba45-ed4d-4574-9913-d19d638566d0" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:presentationArc order="35" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_4effba45-ed4d-4574-9913-d19d638566d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_bc555ebc-99eb-441c-8aaf-d3f1bc963fe4" xlink:href="slm-20241231.xsd#slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="36" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_c6e38f75-ae85-43ce-aa55-b8aaa3186284" xlink:to="loc_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss_bc555ebc-99eb-441c-8aaf-d3f1bc963fe4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAccruedInterestReceivableDetail" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsAccruedInterestReceivableDetail"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAccruedInterestReceivableDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_2373596f-6126-44e3-b4c7-483fe17ec706" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableOnPrivateEducationLoans_6f7dab0a-74f5-47bf-98b5-23cd9434751d" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableOnPrivateEducationLoans"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_2373596f-6126-44e3-b4c7-483fe17ec706" xlink:to="loc_slm_AccruedInterestReceivableOnPrivateEducationLoans_6f7dab0a-74f5-47bf-98b5-23cd9434751d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable_6b0dc7a8-6652-4527-ab61-46634e151da7" xlink:href="slm-20241231.xsd#slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_2373596f-6126-44e3-b4c7-483fe17ec706" xlink:to="loc_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable_6b0dc7a8-6652-4527-ab61-46634e151da7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceForUncollectibleAccruedInterest_b04ab2c9-4227-43d9-b238-c5ee4415e46a" xlink:href="slm-20241231.xsd#slm_AllowanceForUncollectibleAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_2373596f-6126-44e3-b4c7-483fe17ec706" xlink:to="loc_slm_AllowanceForUncollectibleAccruedInterest_b04ab2c9-4227-43d9-b238-c5ee4415e46a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableNotExpectedToBeCapitalized_868416b8-7ceb-490a-9ffd-dc253fd4c030" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableNotExpectedToBeCapitalized"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_2373596f-6126-44e3-b4c7-483fe17ec706" xlink:to="loc_slm_AccruedInterestReceivableNotExpectedToBeCapitalized_868416b8-7ceb-490a-9ffd-dc253fd4c030" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses_07d9d60d-04e5-4a54-8a8e-4fa610bfb5f8" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_2373596f-6126-44e3-b4c7-483fe17ec706" xlink:to="loc_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses_07d9d60d-04e5-4a54-8a8e-4fa610bfb5f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_4ffe4055-0ac5-4969-a467-91f4969dce3e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_69d89e65-d273-4845-acbb-5662e877dc3e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_4ffe4055-0ac5-4969-a467-91f4969dce3e" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_69d89e65-d273-4845-acbb-5662e877dc3e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AllowanceAbstract_3775fd71-8ad7-4b9a-a73b-52b92ae6f4b1" xlink:href="slm-20241231.xsd#slm_AllowanceAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_69d89e65-d273-4845-acbb-5662e877dc3e" xlink:to="loc_slm_AllowanceAbstract_3775fd71-8ad7-4b9a-a73b-52b92ae6f4b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_4f5fd1f3-ec82-4d0a-bf14-b54eb76d908d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceAbstract_3775fd71-8ad7-4b9a-a73b-52b92ae6f4b1" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_4f5fd1f3-ec82-4d0a-bf14-b54eb76d908d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_1929cd6a-1653-4dea-9a07-ce269e209008" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceAbstract_3775fd71-8ad7-4b9a-a73b-52b92ae6f4b1" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_1929cd6a-1653-4dea-9a07-ce269e209008" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OffBalanceSheetCreditLossLiabilityWriteoff_41f45dbb-bd28-41cf-ae26-b252c47aa9e9" xlink:href="slm-20241231.xsd#slm_OffBalanceSheetCreditLossLiabilityWriteoff"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceAbstract_3775fd71-8ad7-4b9a-a73b-52b92ae6f4b1" xlink:to="loc_slm_OffBalanceSheetCreditLossLiabilityWriteoff_41f45dbb-bd28-41cf-ae26-b252c47aa9e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_2c314f50-aadb-4b9a-b5c0-3f6378365469" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_AllowanceAbstract_3775fd71-8ad7-4b9a-a73b-52b92ae6f4b1" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_2c314f50-aadb-4b9a-b5c0-3f6378365469" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_UnfundedCommitmentsAbstract_7d8d8dae-85d5-4964-a622-205543d4e3a0" xlink:href="slm-20241231.xsd#slm_UnfundedCommitmentsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_69d89e65-d273-4845-acbb-5662e877dc3e" xlink:to="loc_slm_UnfundedCommitmentsAbstract_7d8d8dae-85d5-4964-a622-205543d4e3a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_27146476-301f-4280-a12f-cf925e44ea4e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_UnfundedCommitmentsAbstract_7d8d8dae-85d5-4964-a622-205543d4e3a0" xlink:to="loc_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_27146476-301f-4280-a12f-cf925e44ea4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments_40a7dddd-a3e4-40ef-a544-fa63ef08d884" xlink:href="slm-20241231.xsd#slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_UnfundedCommitmentsAbstract_7d8d8dae-85d5-4964-a622-205543d4e3a0" xlink:to="loc_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments_40a7dddd-a3e4-40ef-a544-fa63ef08d884" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded_98751cfe-58c4-4b9a-bcf4-6564e2ed9ec3" xlink:href="slm-20241231.xsd#slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_UnfundedCommitmentsAbstract_7d8d8dae-85d5-4964-a622-205543d4e3a0" xlink:to="loc_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded_98751cfe-58c4-4b9a-bcf4-6564e2ed9ec3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_27eeb0c0-f9e9-42ce-b234-c35d6ffaa060" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_UnfundedCommitmentsAbstract_7d8d8dae-85d5-4964-a622-205543d4e3a0" xlink:to="loc_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability_27eeb0c0-f9e9-42ce-b234-c35d6ffaa060" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAbstract_519a5b12-e531-439c-afe2-2ac8d5c2c2ca" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_9cee56e1-671c-48aa-b609-151713644e56" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentAbstract_519a5b12-e531-439c-afe2-2ac8d5c2c2ca" xlink:to="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_9cee56e1-671c-48aa-b609-151713644e56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_1828b8f2-cd13-4f77-af20-5af976696583" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_9cee56e1-671c-48aa-b609-151713644e56" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_1828b8f2-cd13-4f77-af20-5af976696583" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_839bb0a1-096e-4eca-909b-ee1bf58dd4f2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_1828b8f2-cd13-4f77-af20-5af976696583" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_839bb0a1-096e-4eca-909b-ee1bf58dd4f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LandAndLandImprovementsMember_cb8e0479-4e38-431a-ac24-bad2bf013b3b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LandAndLandImprovementsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_839bb0a1-096e-4eca-909b-ee1bf58dd4f2" xlink:to="loc_us-gaap_LandAndLandImprovementsMember_cb8e0479-4e38-431a-ac24-bad2bf013b3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BuildingAndBuildingImprovementsMember_943f6ce1-dc70-4fac-997b-0fcc75355257" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BuildingAndBuildingImprovementsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_839bb0a1-096e-4eca-909b-ee1bf58dd4f2" xlink:to="loc_us-gaap_BuildingAndBuildingImprovementsMember_943f6ce1-dc70-4fac-997b-0fcc75355257" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FurnitureAndFixturesMember_21495a49-90dc-46b1-b861-2a1d40c04f61" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FurnitureAndFixturesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_839bb0a1-096e-4eca-909b-ee1bf58dd4f2" xlink:to="loc_us-gaap_FurnitureAndFixturesMember_21495a49-90dc-46b1-b861-2a1d40c04f61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_10c3851b-7960-4147-ab3a-b4e722dafd34" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SoftwareAndSoftwareDevelopmentCostsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_839bb0a1-096e-4eca-909b-ee1bf58dd4f2" xlink:to="loc_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_10c3851b-7960-4147-ab3a-b4e722dafd34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems_29426086-ca7d-40b8-ae4c-c9e0097d3840" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_9cee56e1-671c-48aa-b609-151713644e56" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentLineItems_29426086-ca7d-40b8-ae4c-c9e0097d3840" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross_db10453c-7e59-4d92-8e0e-99e349b02bf2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_29426086-ca7d-40b8-ae4c-c9e0097d3840" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentGross_db10453c-7e59-4d92-8e0e-99e349b02bf2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_cc937b00-a155-491d-9965-78c7e81ca7f4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_29426086-ca7d-40b8-ae4c-c9e0097d3840" xlink:to="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_cc937b00-a155-491d-9965-78c7e81ca7f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_59777f73-0ba9-439e-822b-cfb7114352d4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_29426086-ca7d-40b8-ae4c-c9e0097d3840" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_59777f73-0ba9-439e-822b-cfb7114352d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/PremisesandEquipmentNetNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#PremisesandEquipmentNetNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/PremisesandEquipmentNetNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAbstract_f26acf61-14b5-4b6f-956e-b491de462cdc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_bf4677b4-b49b-41e1-b127-427f53f58c6f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Depreciation"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentAbstract_f26acf61-14b5-4b6f-956e-b491de462cdc" xlink:to="loc_us-gaap_Depreciation_bf4677b4-b49b-41e1-b127-427f53f58c6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#GoodwillandAcquiredIntangibleAssetsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_0bdd3830-f5f4-4bd9-a1de-3d0a2f8787e8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ef717375-670f-4879-b5fb-d755f3ba06ab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_0bdd3830-f5f4-4bd9-a1de-3d0a2f8787e8" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ef717375-670f-4879-b5fb-d755f3ba06ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_25c78393-42e2-4a93-a850-b29be97a1a34" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ef717375-670f-4879-b5fb-d755f3ba06ab" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_25c78393-42e2-4a93-a850-b29be97a1a34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_b54732de-a5f7-469e-932a-79d1eca095ce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_25c78393-42e2-4a93-a850-b29be97a1a34" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_b54732de-a5f7-469e-932a-79d1eca095ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NitroCollegeMember_abf50894-dbb7-467a-90e9-8f2ae0f17dab" xlink:href="slm-20241231.xsd#slm_NitroCollegeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_b54732de-a5f7-469e-932a-79d1eca095ce" xlink:to="loc_slm_NitroCollegeMember_abf50894-dbb7-467a-90e9-8f2ae0f17dab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchollyIncMember_4906edfd-3a63-452f-a44b-712dbb1364f9" xlink:href="slm-20241231.xsd#slm_SchollyIncMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_b54732de-a5f7-469e-932a-79d1eca095ce" xlink:to="loc_slm_SchollyIncMember_4906edfd-3a63-452f-a44b-712dbb1364f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_53900654-aa05-44de-bde0-6c24a33fedd4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ef717375-670f-4879-b5fb-d755f3ba06ab" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_53900654-aa05-44de-bde0-6c24a33fedd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_0b96a994-17ba-49cc-b14c-157c190237fe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_53900654-aa05-44de-bde0-6c24a33fedd4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_0b96a994-17ba-49cc-b14c-157c190237fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrademarksAndTradeNamesMember_76388035-930c-4938-b3a1-b200952cf556" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TrademarksAndTradeNamesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_0b96a994-17ba-49cc-b14c-157c190237fe" xlink:to="loc_us-gaap_TrademarksAndTradeNamesMember_76388035-930c-4938-b3a1-b200952cf556" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PartnerRelationshipsMember_518c86a8-6a47-42bb-9e28-77a4ba7f079c" xlink:href="slm-20241231.xsd#slm_PartnerRelationshipsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_0b96a994-17ba-49cc-b14c-157c190237fe" xlink:to="loc_slm_PartnerRelationshipsMember_518c86a8-6a47-42bb-9e28-77a4ba7f079c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ef717375-670f-4879-b5fb-d755f3ba06ab" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_a6015988-0845-434e-b8c0-d9a40d43f0e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_Goodwill_a6015988-0845-434e-b8c0-d9a40d43f0e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfIntangibleAssetsFinitelived_40acb21e-294a-448f-a9bd-4a00cc082af5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ImpairmentOfIntangibleAssetsFinitelived"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_ImpairmentOfIntangibleAssetsFinitelived_40acb21e-294a-448f-a9bd-4a00cc082af5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_f3136b3e-d894-457a-9209-292000bc6daf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_f3136b3e-d894-457a-9209-292000bc6daf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_95aa88a6-d2c7-4005-9cb6-05c7497325e5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_95aa88a6-d2c7-4005-9cb6-05c7497325e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_dfbf1975-821e-4a8d-bb9f-55a531b7648a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_dfbf1975-821e-4a8d-bb9f-55a531b7648a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_93d58483-48e5-431e-b59b-20d521554ff8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_93d58483-48e5-431e-b59b-20d521554ff8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_1320601c-84ae-4bb4-a9e4-409d70ba5f71" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_33b0a1c4-7d95-4762-9e29-d9feef901ba0" xlink:to="loc_us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_1320601c-84ae-4bb4-a9e4-409d70ba5f71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_994d928a-7875-4c18-bb10-bd0a285ffc58" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ce82a168-e5c9-4b54-bddb-5d21962bec1d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_994d928a-7875-4c18-bb10-bd0a285ffc58" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ce82a168-e5c9-4b54-bddb-5d21962bec1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_f2e8819f-ad0b-42fe-ac21-95e7aeb3bd8f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ce82a168-e5c9-4b54-bddb-5d21962bec1d" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_f2e8819f-ad0b-42fe-ac21-95e7aeb3bd8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_f2e8819f-ad0b-42fe-ac21-95e7aeb3bd8f" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrademarksAndTradeNamesMember_2c5ee46c-804e-4d38-a689-0882529fa841" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TrademarksAndTradeNamesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:to="loc_us-gaap_TrademarksAndTradeNamesMember_2c5ee46c-804e-4d38-a689-0882529fa841" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerRelationshipsMember_6a517d20-5c07-4ff0-b46e-1b756fded86b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CustomerRelationshipsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:to="loc_us-gaap_CustomerRelationshipsMember_6a517d20-5c07-4ff0-b46e-1b756fded86b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DevelopedTechnologyRightsMember_8321d03e-e24f-4242-8426-e68d2c068f02" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DevelopedTechnologyRightsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:to="loc_us-gaap_DevelopedTechnologyRightsMember_8321d03e-e24f-4242-8426-e68d2c068f02" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PartnerRelationshipsMember_53faa1b5-7cc6-46c2-9a69-50fde21dd898" xlink:href="slm-20241231.xsd#slm_PartnerRelationshipsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:to="loc_slm_PartnerRelationshipsMember_53faa1b5-7cc6-46c2-9a69-50fde21dd898" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Sallie.comDomainMember_b6196915-cc4c-49ff-9ac5-b98df2e1a164" xlink:href="slm-20241231.xsd#slm_Sallie.comDomainMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_7bfc7627-5c15-4731-95ce-934faae72a78" xlink:to="loc_slm_Sallie.comDomainMember_b6196915-cc4c-49ff-9ac5-b98df2e1a164" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_3030ba88-f3b4-4601-841a-c3f9230ef119" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ce82a168-e5c9-4b54-bddb-5d21962bec1d" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_3030ba88-f3b4-4601-841a-c3f9230ef119" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_ecf443cd-4e87-4ddf-8153-f3a8b8e90149" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_3030ba88-f3b4-4601-841a-c3f9230ef119" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_ecf443cd-4e87-4ddf-8153-f3a8b8e90149" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NitroCollegeMember_7ea552b7-9569-432e-9d42-8714cd796e44" xlink:href="slm-20241231.xsd#slm_NitroCollegeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_ecf443cd-4e87-4ddf-8153-f3a8b8e90149" xlink:to="loc_slm_NitroCollegeMember_7ea552b7-9569-432e-9d42-8714cd796e44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SchollyIncMember_baccde6c-38e8-4666-a1ef-1a8481754337" xlink:href="slm-20241231.xsd#slm_SchollyIncMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_ecf443cd-4e87-4ddf-8153-f3a8b8e90149" xlink:to="loc_slm_SchollyIncMember_baccde6c-38e8-4666-a1ef-1a8481754337" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ce82a168-e5c9-4b54-bddb-5d21962bec1d" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetUsefulLife_779d02dc-6b0c-49d4-9298-7696d2e44942" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetUsefulLife"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetUsefulLife_779d02dc-6b0c-49d4-9298-7696d2e44942" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_71dd5c3c-c568-4ffd-a466-070fe8bac88a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_71dd5c3c-c568-4ffd-a466-070fe8bac88a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_f2b76a37-5d64-44fd-a58c-042aa9b76d51" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_f2b76a37-5d64-44fd-a58c-042aa9b76d51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_438eec2c-1b20-4be1-b2f3-32d8b1cb676f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_438eec2c-1b20-4be1-b2f3-32d8b1cb676f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_175baca0-9c09-4cff-9ad5-f0a7c080f0ef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_175baca0-9c09-4cff-9ad5-f0a7c080f0ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfIntangibleAssetsFinitelived_c7c0347b-b21e-46f3-a6f8-951a255e0fd9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ImpairmentOfIntangibleAssetsFinitelived"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_99ce3088-242d-46b2-8f5e-04c57df7c8c4" xlink:to="loc_us-gaap_ImpairmentOfIntangibleAssetsFinitelived_c7c0347b-b21e-46f3-a6f8-951a255e0fd9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DepositsSummaryofTotalDepositsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract_96b225cd-5d9e-4ded-802b-995f99cf9a61" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities_e463e439-d0d5-49e0-9ecd-0e915a7ecb31" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDepositLiabilities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_96b225cd-5d9e-4ded-802b-995f99cf9a61" xlink:to="loc_us-gaap_InterestBearingDepositLiabilities_e463e439-d0d5-49e0-9ecd-0e915a7ecb31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities_9b6c4ad8-e444-44cb-959f-788eb8ec362b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_96b225cd-5d9e-4ded-802b-995f99cf9a61" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilities_9b6c4ad8-e444-44cb-959f-788eb8ec362b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_877a46c4-2dc0-4dd6-9dc7-99a0115801ad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Deposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_96b225cd-5d9e-4ded-802b-995f99cf9a61" xlink:to="loc_us-gaap_Deposits_877a46c4-2dc0-4dd6-9dc7-99a0115801ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DepositsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DepositsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DepositsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract_0532c87e-51df-4009-bc21-1b4b507cf861" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_28f5c1e7-952d-4a37-b0a5-a89cc934892f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Deposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_0532c87e-51df-4009-bc21-1b4b507cf861" xlink:to="loc_us-gaap_Deposits_28f5c1e7-952d-4a37-b0a5-a89cc934892f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BrokeredDeposits_7d5ca6bb-46a9-4acd-be22-bf4a90c209b9" xlink:href="slm-20241231.xsd#slm_BrokeredDeposits"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_0532c87e-51df-4009-bc21-1b4b507cf861" xlink:to="loc_slm_BrokeredDeposits_7d5ca6bb-46a9-4acd-be22-bf4a90c209b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_RetailandOtherDeposits_72a603e4-fc96-4947-9f88-291a9a2c6fdf" xlink:href="slm-20241231.xsd#slm_RetailandOtherDeposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_0532c87e-51df-4009-bc21-1b4b507cf861" xlink:to="loc_slm_RetailandOtherDeposits_72a603e4-fc96-4947-9f88-291a9a2c6fdf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StableInterestbearingDepositsTotal_2b921e65-3dde-4a08-adb0-bcee03cc9b57" xlink:href="slm-20241231.xsd#slm_StableInterestbearingDepositsTotal"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_0532c87e-51df-4009-bc21-1b4b507cf861" xlink:to="loc_slm_StableInterestbearingDepositsTotal_2b921e65-3dde-4a08-adb0-bcee03cc9b57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BrokeredDepositPlacementFee_04eb9284-b31c-4084-b04b-344643b12b35" xlink:href="slm-20241231.xsd#slm_BrokeredDepositPlacementFee"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_0532c87e-51df-4009-bc21-1b4b507cf861" xlink:to="loc_slm_BrokeredDepositPlacementFee_04eb9284-b31c-4084-b04b-344643b12b35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ThirdPartyBrokerFeesPaid_5613627f-5791-4dac-8082-d1c53a990e5c" xlink:href="slm-20241231.xsd#slm_ThirdPartyBrokerFeesPaid"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_0532c87e-51df-4009-bc21-1b4b507cf861" xlink:to="loc_slm_ThirdPartyBrokerFeesPaid_5613627f-5791-4dac-8082-d1c53a990e5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashUninsuredAmount_2542129e-a5fc-44b9-a2bd-898575836afe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashUninsuredAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_0532c87e-51df-4009-bc21-1b4b507cf861" xlink:to="loc_us-gaap_CashUninsuredAmount_2542129e-a5fc-44b9-a2bd-898575836afe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrent_436f0cfa-df94-47d4-a5ed-1985b8366713" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestPayableCurrent"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_0532c87e-51df-4009-bc21-1b4b507cf861" xlink:to="loc_us-gaap_InterestPayableCurrent_436f0cfa-df94-47d4-a5ed-1985b8366713" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DepositsInterestBearingDepositsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract_ca3bedd7-0021-48ed-838c-26676ec60854" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract_1d772ba2-9115-47b7-bd68-230613d54af8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_ca3bedd7-0021-48ed-838c-26676ec60854" xlink:to="loc_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract_1d772ba2-9115-47b7-bd68-230613d54af8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositMoneyMarket_b0e7f912-4755-48ad-9014-93a645c34a9d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDomesticDepositMoneyMarket"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract_1d772ba2-9115-47b7-bd68-230613d54af8" xlink:to="loc_us-gaap_InterestBearingDomesticDepositMoneyMarket_b0e7f912-4755-48ad-9014-93a645c34a9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositSavings_b3f0a16a-c9a9-4f86-bb90-982ce05c9a5f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDomesticDepositSavings"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract_1d772ba2-9115-47b7-bd68-230613d54af8" xlink:to="loc_us-gaap_InterestBearingDomesticDepositSavings_b3f0a16a-c9a9-4f86-bb90-982ce05c9a5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositTimeDeposits_fd904513-08ae-4717-a57e-78db9b4a86ff" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDomesticDepositTimeDeposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract_1d772ba2-9115-47b7-bd68-230613d54af8" xlink:to="loc_us-gaap_InterestBearingDomesticDepositTimeDeposits_fd904513-08ae-4717-a57e-78db9b4a86ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities_ca5ae106-7dd5-4967-b5a4-f91699328225" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestBearingDepositLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract_1d772ba2-9115-47b7-bd68-230613d54af8" xlink:to="loc_us-gaap_InterestBearingDepositLiabilities_ca5ae106-7dd5-4967-b5a4-f91699328225" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_6afacdf9-84c1-4dd0-9e27-2f8aea7c8c33" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_ca3bedd7-0021-48ed-838c-26676ec60854" xlink:to="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_6afacdf9-84c1-4dd0-9e27-2f8aea7c8c33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket_baeb9df3-3398-4241-92e0-44acd2e39624" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageRateDomesticDepositMoneyMarket"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_6afacdf9-84c1-4dd0-9e27-2f8aea7c8c33" xlink:to="loc_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket_baeb9df3-3398-4241-92e0-44acd2e39624" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositSavings_1c6c553a-e7f0-4290-96da-b48cfdc0a136" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageRateDomesticDepositSavings"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_6afacdf9-84c1-4dd0-9e27-2f8aea7c8c33" xlink:to="loc_us-gaap_WeightedAverageRateDomesticDepositSavings_1c6c553a-e7f0-4290-96da-b48cfdc0a136" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositTimeDeposits_08e6cbca-73d2-4d54-962c-ba8d60fc618c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageRateDomesticDepositTimeDeposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_6afacdf9-84c1-4dd0-9e27-2f8aea7c8c33" xlink:to="loc_us-gaap_WeightedAverageRateDomesticDepositTimeDeposits_08e6cbca-73d2-4d54-962c-ba8d60fc618c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DepositsCertificatesofDepositsMaturitiesDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract_a9a8c14a-e0fa-42b7-ab3b-07194d42afbd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositsByMaturityAbstract_b708ab4c-112a-40c7-baca-33d4a55707bc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositsByMaturityAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_a9a8c14a-e0fa-42b7-ab3b-07194d42afbd" xlink:to="loc_us-gaap_TimeDepositsByMaturityAbstract_b708ab4c-112a-40c7-baca-33d4a55707bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearOne_ec13b005-8cc3-47d5-b85b-488a0b9e9bf4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesYearOne"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TimeDepositsByMaturityAbstract_b708ab4c-112a-40c7-baca-33d4a55707bc" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearOne_ec13b005-8cc3-47d5-b85b-488a0b9e9bf4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearTwo_7452bb96-3465-47bf-baaf-0faa7359b04b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesYearTwo"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TimeDepositsByMaturityAbstract_b708ab4c-112a-40c7-baca-33d4a55707bc" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearTwo_7452bb96-3465-47bf-baaf-0faa7359b04b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearThree_e577c462-af5c-435d-94d3-c809d8c4fe3b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesYearThree"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TimeDepositsByMaturityAbstract_b708ab4c-112a-40c7-baca-33d4a55707bc" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearThree_e577c462-af5c-435d-94d3-c809d8c4fe3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFour_35178c91-b3a7-48ba-a079-18eb9c269500" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesYearFour"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TimeDepositsByMaturityAbstract_b708ab4c-112a-40c7-baca-33d4a55707bc" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFour_35178c91-b3a7-48ba-a079-18eb9c269500" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFive_625ff2c7-f251-425d-b650-e531474c5d45" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesYearFive"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TimeDepositsByMaturityAbstract_b708ab4c-112a-40c7-baca-33d4a55707bc" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFive_625ff2c7-f251-425d-b650-e531474c5d45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_3f90fa4b-d900-4b29-ac2b-bb6fa579cba6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TimeDepositsByMaturityAbstract_b708ab4c-112a-40c7-baca-33d4a55707bc" xlink:to="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_3f90fa4b-d900-4b29-ac2b-bb6fa579cba6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits_02d8b1ce-b02c-41f6-9f56-d70fd7e38df5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TimeDeposits"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TimeDepositsByMaturityAbstract_b708ab4c-112a-40c7-baca-33d4a55707bc" xlink:to="loc_us-gaap_TimeDeposits_02d8b1ce-b02c-41f6-9f56-d70fd7e38df5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsCompanyBorrowingsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_56d0c5cd-a1b3-487a-b61b-e0c38067b523" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityTable_3758d026-9317-4c4a-8d35-1dff8cae6101" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_56d0c5cd-a1b3-487a-b61b-e0c38067b523" xlink:to="loc_us-gaap_LineOfCreditFacilityTable_3758d026-9317-4c4a-8d35-1dff8cae6101" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_cb50e848-89f9-4c9f-b85c-77a915160db8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_3758d026-9317-4c4a-8d35-1dff8cae6101" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_cb50e848-89f9-4c9f-b85c-77a915160db8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_efb11866-8106-46b9-9fdb-27b57b80a864" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_cb50e848-89f9-4c9f-b85c-77a915160db8" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_efb11866-8106-46b9-9fdb-27b57b80a864" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_7e3c7e34-6e9c-42ab-9309-01e2152e880c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_efb11866-8106-46b9-9fdb-27b57b80a864" xlink:to="loc_us-gaap_UnsecuredDebtMember_7e3c7e34-6e9c-42ab-9309-01e2152e880c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebtMember_9869a7d0-6259-49cf-964d-1daddf06ebee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SecuredDebtMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_efb11866-8106-46b9-9fdb-27b57b80a864" xlink:to="loc_us-gaap_SecuredDebtMember_9869a7d0-6259-49cf-964d-1daddf06ebee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeAxis_d306c579-db4b-4ea0-b018-4cf3d87ad810" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingActivityByTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_3758d026-9317-4c4a-8d35-1dff8cae6101" xlink:to="loc_us-gaap_TradingActivityByTypeAxis_d306c579-db4b-4ea0-b018-4cf3d87ad810" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_3f2d2189-ce70-4346-810e-54975d087b70" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_d306c579-db4b-4ea0-b018-4cf3d87ad810" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_3f2d2189-ce70-4346-810e-54975d087b70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInterestRateMember_3f9455d6-7ba3-4958-a7cf-6888ac0b0dba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FixedIncomeInterestRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_3f2d2189-ce70-4346-810e-54975d087b70" xlink:to="loc_us-gaap_FixedIncomeInterestRateMember_3f9455d6-7ba3-4958-a7cf-6888ac0b0dba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableIncomeInterestRateMember_d2e4a590-bc01-4993-98fc-6be2ef58ea6e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableIncomeInterestRateMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_3f2d2189-ce70-4346-810e-54975d087b70" xlink:to="loc_us-gaap_VariableIncomeInterestRateMember_d2e4a590-bc01-4993-98fc-6be2ef58ea6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_de07fced-c05c-40de-8d59-2c5a939e0cc3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_3758d026-9317-4c4a-8d35-1dff8cae6101" xlink:to="loc_us-gaap_DebtInstrumentAxis_de07fced-c05c-40de-8d59-2c5a939e0cc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_15743bea-8a08-41ef-bcad-e3ab2b435b76" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_de07fced-c05c-40de-8d59-2c5a939e0cc3" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_15743bea-8a08-41ef-bcad-e3ab2b435b76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoanSecuritizationMember_571d5eb8-ae7f-4f9f-966e-538b8b004583" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoanSecuritizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_15743bea-8a08-41ef-bcad-e3ab2b435b76" xlink:to="loc_slm_PrivateEducationLoanSecuritizationMember_571d5eb8-ae7f-4f9f-966e-538b8b004583" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ABCPBorrowingsMember_2f309ad3-8c10-47f8-8a6c-a6ae71ce063e" xlink:href="slm-20241231.xsd#slm_ABCPBorrowingsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_15743bea-8a08-41ef-bcad-e3ab2b435b76" xlink:to="loc_slm_ABCPBorrowingsMember_2f309ad3-8c10-47f8-8a6c-a6ae71ce063e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityLineItems_9a5b016f-69cb-462d-b400-be52a5e2c288" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_3758d026-9317-4c4a-8d35-1dff8cae6101" xlink:to="loc_us-gaap_LineOfCreditFacilityLineItems_9a5b016f-69cb-462d-b400-be52a5e2c288" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityAbstract_3aafe0da-8d90-4611-b506-69c350b1dcd8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_9a5b016f-69cb-462d-b400-be52a5e2c288" xlink:to="loc_us-gaap_LineOfCreditFacilityAbstract_3aafe0da-8d90-4611-b506-69c350b1dcd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_5159a210-21be-4156-b44a-b036ba4960fe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermBorrowings"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityAbstract_3aafe0da-8d90-4611-b506-69c350b1dcd8" xlink:to="loc_us-gaap_ShortTermBorrowings_5159a210-21be-4156-b44a-b036ba4960fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_010f93d8-88d8-42a9-a930-f42d81a71605" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityAbstract_3aafe0da-8d90-4611-b506-69c350b1dcd8" xlink:to="loc_us-gaap_LongTermDebt_010f93d8-88d8-42a9-a930-f42d81a71605" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_7751b8d1-7764-48fa-9d22-7f5d172ae1dc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityAbstract_3aafe0da-8d90-4611-b506-69c350b1dcd8" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_7751b8d1-7764-48fa-9d22-7f5d172ae1dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsShorttermBorrowingsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_e42da4ba-7cda-4979-880d-1b0b876de6e9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShortTermDebtTable_377bf078-9d8f-4ecb-8fdc-b61c64ea83c4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShortTermDebtTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_e42da4ba-7cda-4979-880d-1b0b876de6e9" xlink:to="loc_us-gaap_ScheduleOfShortTermDebtTable_377bf078-9d8f-4ecb-8fdc-b61c64ea83c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_9bbe4a92-ed03-4a33-916d-77f22ebcdc35" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable_377bf078-9d8f-4ecb-8fdc-b61c64ea83c4" xlink:to="loc_us-gaap_DebtInstrumentAxis_9bbe4a92-ed03-4a33-916d-77f22ebcdc35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_85e3ed7e-8822-430e-9034-db511d0169d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_9bbe4a92-ed03-4a33-916d-77f22ebcdc35" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_85e3ed7e-8822-430e-9034-db511d0169d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ABCPBorrowingsMember_a479ea0c-405f-474c-a742-c48d57210e56" xlink:href="slm-20241231.xsd#slm_ABCPBorrowingsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_85e3ed7e-8822-430e-9034-db511d0169d6" xlink:to="loc_slm_ABCPBorrowingsMember_a479ea0c-405f-474c-a742-c48d57210e56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FloatingRateBorrowingsMember_8281e559-534b-451f-8a46-c2b95481acae" xlink:href="slm-20241231.xsd#slm_FloatingRateBorrowingsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_85e3ed7e-8822-430e-9034-db511d0169d6" xlink:to="loc_slm_FloatingRateBorrowingsMember_8281e559-534b-451f-8a46-c2b95481acae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeAxis_103ba981-13c5-4305-953d-d14a9f780e41" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermDebtTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable_377bf078-9d8f-4ecb-8fdc-b61c64ea83c4" xlink:to="loc_us-gaap_ShortTermDebtTypeAxis_103ba981-13c5-4305-953d-d14a9f780e41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_39f16d4b-ac43-4eb4-a1c0-bca2c3a18dec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_103ba981-13c5-4305-953d-d14a9f780e41" xlink:to="loc_us-gaap_ShortTermDebtTypeDomain_39f16d4b-ac43-4eb4-a1c0-bca2c3a18dec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebtMember_449d592d-da51-4ebb-ba9e-6b50aa360dcb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SecuredDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain_39f16d4b-ac43-4eb4-a1c0-bca2c3a18dec" xlink:to="loc_us-gaap_SecuredDebtMember_449d592d-da51-4ebb-ba9e-6b50aa360dcb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermDebtLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShortTermDebtTable_377bf078-9d8f-4ecb-8fdc-b61c64ea83c4" xlink:to="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_009dc7dc-8f45-4cfa-8345-4c6b935c4d7b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_009dc7dc-8f45-4cfa-8345-4c6b935c4d7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ResidualInterestPercentageOfFacilityTrust_e578e1b6-812a-47a6-b49e-a6dd59c6ea0f" xlink:href="slm-20241231.xsd#slm_ResidualInterestPercentageOfFacilityTrust"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:to="loc_slm_ResidualInterestPercentageOfFacilityTrust_e578e1b6-812a-47a6-b49e-a6dd59c6ea0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityExpirationPeriod_6fba733d-73fe-4f73-b4ab-569c0395bb31" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityExpirationPeriod"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:to="loc_us-gaap_LineOfCreditFacilityExpirationPeriod_6fba733d-73fe-4f73-b4ab-569c0395bb31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LinesOfCreditCurrent_c9d91f6e-494f-4115-819f-ee9e9c50acd3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LinesOfCreditCurrent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:to="loc_us-gaap_LinesOfCreditCurrent_c9d91f6e-494f-4115-819f-ee9e9c50acd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_f9feeb95-8e42-4e47-889c-8e786f44f7df" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtLineItems_db3ffe46-e797-4bdf-a3ad-77d87bbbae32" xlink:to="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_f9feeb95-8e42-4e47-889c-8e786f44f7df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsLongTermBorrowingsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_6bc22212-8350-4bc0-82d2-1d01066ca5d0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_6900b83c-5e0a-469e-a37c-593db8ce0024" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_6bc22212-8350-4bc0-82d2-1d01066ca5d0" xlink:to="loc_us-gaap_DebtInstrumentTable_6900b83c-5e0a-469e-a37c-593db8ce0024" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_823b2aec-98c4-4436-89d9-91141f8abc7b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6900b83c-5e0a-469e-a37c-593db8ce0024" xlink:to="loc_us-gaap_DebtInstrumentAxis_823b2aec-98c4-4436-89d9-91141f8abc7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_823b2aec-98c4-4436-89d9-91141f8abc7b" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueOctober292025Member_0fccd703-8ce4-4065-949b-ce0db46cd37c" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueOctober292025Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SeniorUnsecuredNotesDueOctober292025Member_0fccd703-8ce4-4065-949b-ce0db46cd37c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueNovember22026Member_e2244b88-a8ab-43f0-9ae4-bb32b72cb9dd" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueNovember22026Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SeniorUnsecuredNotesDueNovember22026Member_e2244b88-a8ab-43f0-9ae4-bb32b72cb9dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024CMember_b0a3720d-36b2-4c7d-95df-9aa4f8e77537" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024CMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024CMember_b0a3720d-36b2-4c7d-95df-9aa4f8e77537" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024EMember_c8a67e94-8f91-447b-b569-996881a5c29c" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024EMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024EMember_c8a67e94-8f91-447b-b569-996881a5c29c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024FMember_d385eabe-1cad-4c57-91b5-aa56f9c9ed04" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024FMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024FMember_d385eabe-1cad-4c57-91b5-aa56f9c9ed04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023AMember_af86cfbe-9be3-4649-8314-8ed98567b15f" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023AMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023AMember_af86cfbe-9be3-4649-8314-8ed98567b15f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023CMember_9472e403-f1d3-4a5a-b27f-cbd335276d4b" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023CMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023CMember_9472e403-f1d3-4a5a-b27f-cbd335276d4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ABSTransactionsMember_878953e1-881b-463e-8de0-ca6a0d483a7a" xlink:href="slm-20241231.xsd#slm_ABSTransactionsMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_ABSTransactionsMember_878953e1-881b-463e-8de0-ca6a0d483a7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_da0a3e43-da64-42a2-8a16-16759c497b20" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_PrivateEducationLoansMember_da0a3e43-da64-42a2-8a16-16759c497b20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember_29dc1f0f-e568-46e1-b5ed-9901ac41325a" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_53075573-a449-4f5c-9333-2b9703bb3f11" xlink:to="loc_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember_29dc1f0f-e568-46e1-b5ed-9901ac41325a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_ea3aa8dc-72c7-4048-b872-364f5b36bdcd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6900b83c-5e0a-469e-a37c-593db8ce0024" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_ea3aa8dc-72c7-4048-b872-364f5b36bdcd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_3b1f8321-93c4-4041-a049-21c0c27c6b08" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_ea3aa8dc-72c7-4048-b872-364f5b36bdcd" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_3b1f8321-93c4-4041-a049-21c0c27c6b08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_944e17e3-bbcc-417f-a3f8-c8e9fe7abf99" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_3b1f8321-93c4-4041-a049-21c0c27c6b08" xlink:to="loc_us-gaap_UnsecuredDebtMember_944e17e3-bbcc-417f-a3f8-c8e9fe7abf99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_5f6a71cd-a42e-481a-9224-66659fe3d9a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6900b83c-5e0a-469e-a37c-593db8ce0024" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_5f6a71cd-a42e-481a-9224-66659fe3d9a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_81497793-cf79-4c36-ad41-bfcd93e758f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_5f6a71cd-a42e-481a-9224-66659fe3d9a8" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_81497793-cf79-4c36-ad41-bfcd93e758f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_6fea9a75-b635-4f1d-b030-5227ddea8a7a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_81497793-cf79-4c36-ad41-bfcd93e758f9" xlink:to="loc_us-gaap_SubsequentEventMember_6fea9a75-b635-4f1d-b030-5227ddea8a7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6900b83c-5e0a-469e-a37c-593db8ce0024" xlink:to="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_1167bb6c-ac4e-49b8-987d-24f6c5d2a460" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_1167bb6c-ac4e-49b8-987d-24f6c5d2a460" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_579ecb67-1158-4c69-96f6-a9790a42e63d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_579ecb67-1158-4c69-96f6-a9790a42e63d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentIssuancePricePercentage_dd8b68ff-3513-4542-aa72-66a738e44eb3" xlink:href="slm-20241231.xsd#slm_DebtInstrumentIssuancePricePercentage"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_slm_DebtInstrumentIssuancePricePercentage_dd8b68ff-3513-4542-aa72-66a738e44eb3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization_700f615b-cce2-4287-b003-e4bc9b42d2d7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization_700f615b-cce2-4287-b003-e4bc9b42d2d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansPledgedAsCollateralPrincipalAmount_10f79a2c-7ac6-4845-a2c6-9a34643d986f" xlink:href="slm-20241231.xsd#slm_LoansPledgedAsCollateralPrincipalAmount"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_slm_LoansPledgedAsCollateralPrincipalAmount_10f79a2c-7ac6-4845-a2c6-9a34643d986f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansPledgedAsCollateralCapitalizedInterest_9456d380-ce2d-476c-bb19-d3485aae5305" xlink:href="slm-20241231.xsd#slm_LoansPledgedAsCollateralCapitalizedInterest"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_slm_LoansPledgedAsCollateralCapitalizedInterest_9456d380-ce2d-476c-bb19-d3485aae5305" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_EstimatedWeightedAverageLifeOfStudentLoans_8b35e197-4d59-48fb-b561-682594425138" xlink:href="slm-20241231.xsd#slm_EstimatedWeightedAverageLifeOfStudentLoans"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c81ce846-a7ad-4c97-9622-e02e4f3bc72a" xlink:to="loc_slm_EstimatedWeightedAverageLifeOfStudentLoans_8b35e197-4d59-48fb-b561-682594425138" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsSummaryofOutstandingBorrowingsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_a7f802a7-feb8-4a49-8359-6c602fa6bb9d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_b16c22c2-3a5d-45ff-9d65-a69859572c3a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_a7f802a7-feb8-4a49-8359-6c602fa6bb9d" xlink:to="loc_us-gaap_DebtInstrumentTable_b16c22c2-3a5d-45ff-9d65-a69859572c3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_31566738-eb48-4a01-bc66-23c9615df220" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_b16c22c2-3a5d-45ff-9d65-a69859572c3a" xlink:to="loc_us-gaap_DebtInstrumentAxis_31566738-eb48-4a01-bc66-23c9615df220" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_150bb323-441a-424a-8b35-933f52f6c46b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_31566738-eb48-4a01-bc66-23c9615df220" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_150bb323-441a-424a-8b35-933f52f6c46b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FloatingRateBorrowingsMember_6af5e0b1-7503-488b-a194-00af11f9dd70" xlink:href="slm-20241231.xsd#slm_FloatingRateBorrowingsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_150bb323-441a-424a-8b35-933f52f6c46b" xlink:to="loc_slm_FloatingRateBorrowingsMember_6af5e0b1-7503-488b-a194-00af11f9dd70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FixedRateBorrowingsMember_bc407c84-1cab-49e7-af6e-18fd2cdec1e6" xlink:href="slm-20241231.xsd#slm_FixedRateBorrowingsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_150bb323-441a-424a-8b35-933f52f6c46b" xlink:to="loc_slm_FixedRateBorrowingsMember_bc407c84-1cab-49e7-af6e-18fd2cdec1e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_82213a5d-f055-4ea6-9890-a18e6042a765" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_b16c22c2-3a5d-45ff-9d65-a69859572c3a" xlink:to="loc_us-gaap_DebtInstrumentLineItems_82213a5d-f055-4ea6-9890-a18e6042a765" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_02d32117-7d63-4ef0-a9ed-fb0934e6d574" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_82213a5d-f055-4ea6-9890-a18e6042a765" xlink:to="loc_us-gaap_LongTermDebt_02d32117-7d63-4ef0-a9ed-fb0934e6d574" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtWeightedAverageInterestRate_785799c9-6390-4367-a8b0-6f5989f7f5b0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtWeightedAverageInterestRate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_82213a5d-f055-4ea6-9890-a18e6042a765" xlink:to="loc_us-gaap_LongtermDebtWeightedAverageInterestRate_785799c9-6390-4367-a8b0-6f5989f7f5b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LongTermDebtWeightedAverageOutstandingBalance_e99ba41b-61ce-436f-9b66-0fd50ada4baf" xlink:href="slm-20241231.xsd#slm_LongTermDebtWeightedAverageOutstandingBalance"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_82213a5d-f055-4ea6-9890-a18e6042a765" xlink:to="loc_slm_LongTermDebtWeightedAverageOutstandingBalance_e99ba41b-61ce-436f-9b66-0fd50ada4baf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsStatedMaturityandMaturitytoCallDateDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_0d0bfa23-5b5c-468e-b399-606fbabf6f25" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_cfe76fd4-4e62-4b42-a516-4e3520526ec2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_0d0bfa23-5b5c-468e-b399-606fbabf6f25" xlink:to="loc_us-gaap_DebtInstrumentTable_cfe76fd4-4e62-4b42-a516-4e3520526ec2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_79a8487d-85d7-4293-b71f-15d882d4a511" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_cfe76fd4-4e62-4b42-a516-4e3520526ec2" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_79a8487d-85d7-4293-b71f-15d882d4a511" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_a64d7ac3-95b3-4d41-9795-775505f0d302" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_79a8487d-85d7-4293-b71f-15d882d4a511" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_a64d7ac3-95b3-4d41-9795-775505f0d302" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BrokeredDepositsMember_5c4c33f7-ec3c-4cd4-b479-1bb6296381fd" xlink:href="slm-20241231.xsd#slm_BrokeredDepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_a64d7ac3-95b3-4d41-9795-775505f0d302" xlink:to="loc_slm_BrokeredDepositsMember_5c4c33f7-ec3c-4cd4-b479-1bb6296381fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_99b9a8a5-3db2-4a9b-bdab-3358e7659a21" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_a64d7ac3-95b3-4d41-9795-775505f0d302" xlink:to="loc_us-gaap_UnsecuredDebtMember_99b9a8a5-3db2-4a9b-bdab-3358e7659a21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SecuredBorrowingsMember_a6a47e45-2645-4771-b30b-785285dbfd93" xlink:href="slm-20241231.xsd#slm_SecuredBorrowingsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_a64d7ac3-95b3-4d41-9795-775505f0d302" xlink:to="loc_slm_SecuredBorrowingsMember_a6a47e45-2645-4771-b30b-785285dbfd93" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_cfe76fd4-4e62-4b42-a516-4e3520526ec2" xlink:to="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_6003dfc5-84dd-45ad-93b5-d8878723cd8c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_6003dfc5-84dd-45ad-93b5-d8878723cd8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_d50f59c6-9c17-45f1-afa4-51953feff8e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_d50f59c6-9c17-45f1-afa4-51953feff8e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_4e769d57-1da0-4200-99f1-e76cec4b4ae0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_4e769d57-1da0-4200-99f1-e76cec4b4ae0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_34437336-45d5-4dc4-9a51-599c2aaf17b8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_34437336-45d5-4dc4-9a51-599c2aaf17b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_4c0adb3b-0b27-40d2-8c7b-6e0997efe088" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_4c0adb3b-0b27-40d2-8c7b-6e0997efe088" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_35813c45-ce57-425a-8506-9a8e7c1a9e7e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_35813c45-ce57-425a-8506-9a8e7c1a9e7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_fc6086f8-1a7c-4f0c-9116-a83a6973a9b6" xlink:href="slm-20241231.xsd#slm_DebtInstrumentFaceAmountMaturityToCallDate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_slm_DebtInstrumentFaceAmountMaturityToCallDate_fc6086f8-1a7c-4f0c-9116-a83a6973a9b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_HedgeAccountingAdjustment_954e6d70-f77b-4306-a805-af146cd6146b" xlink:href="slm-20241231.xsd#slm_HedgeAccountingAdjustment"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_slm_HedgeAccountingAdjustment_954e6d70-f77b-4306-a805-af146cd6146b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentFaceAmountAfterAdjustments_ae83099d-652e-4df2-98dc-3f8c2462cc7e" xlink:href="slm-20241231.xsd#slm_DebtInstrumentFaceAmountAfterAdjustments"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_2f8614ba-dcf1-45c8-b2e8-b34f90e52f8d" xlink:to="loc_slm_DebtInstrumentFaceAmountAfterAdjustments_ae83099d-652e-4df2-98dc-3f8c2462cc7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsSecuredFinancingDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_a5f6d78d-a850-4a84-b4db-4bb404e1d92a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_6a8c3f5b-700c-4f03-b011-4574d849387f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_a5f6d78d-a850-4a84-b4db-4bb404e1d92a" xlink:to="loc_us-gaap_DebtInstrumentTable_6a8c3f5b-700c-4f03-b011-4574d849387f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_62c1dd04-930a-455a-8ee4-6448ced7c767" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6a8c3f5b-700c-4f03-b011-4574d849387f" xlink:to="loc_us-gaap_DebtInstrumentAxis_62c1dd04-930a-455a-8ee4-6448ced7c767" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_62c1dd04-930a-455a-8ee4-6448ced7c767" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023AMember_0dc24887-ae9a-433f-a1b1-1536c5772d79" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023AMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023AMember_0dc24887-ae9a-433f-a1b1-1536c5772d79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023CMember_c353c148-9ec5-4565-b691-93af5da15aab" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023CMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023CMember_c353c148-9ec5-4565-b691-93af5da15aab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024CMember_96272bc0-0b2a-4839-b65b-c48c3f5c1909" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024CMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024CMember_96272bc0-0b2a-4839-b65b-c48c3f5c1909" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024EMember_c384ab00-8867-4aaf-a69b-c71cec8d0ef1" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024EMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024EMember_c384ab00-8867-4aaf-a69b-c71cec8d0ef1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024FMember_b7c132e3-d4ba-4a0a-a636-1130ef99e7f6" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024FMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f929f3f5-4db3-4c18-bd69-ecc72424e0c1" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024FMember_b7c132e3-d4ba-4a0a-a636-1130ef99e7f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6a8c3f5b-700c-4f03-b011-4574d849387f" xlink:to="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentLoansTransferred_ad3c1974-ea05-4aba-9062-f12f705b7a60" xlink:href="slm-20241231.xsd#slm_DebtInstrumentLoansTransferred"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_slm_DebtInstrumentLoansTransferred_ad3c1974-ea05-4aba-9062-f12f705b7a60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_b35b40d8-a8f3-4603-8355-46df31f63b91" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_b35b40d8-a8f3-4603-8355-46df31f63b91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfDebt_1c40936c-0385-4992-83d4-00ec6be3038b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromIssuanceOfDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfDebt_1c40936c-0385-4992-83d4-00ec6be3038b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeBasisSpreadOnVariableRate_96cebb1f-edd9-4e4b-9ad4-8c643005b52a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeBasisSpreadOnVariableRate"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_us-gaap_DerivativeBasisSpreadOnVariableRate_96cebb1f-edd9-4e4b-9ad4-8c643005b52a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DebtInstrumentWeightedAverageLife_c29d2b87-6a79-4857-89bd-a40687c6581a" xlink:href="slm-20241231.xsd#slm_DebtInstrumentWeightedAverageLife"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_slm_DebtInstrumentWeightedAverageLife_c29d2b87-6a79-4857-89bd-a40687c6581a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansPledgedAsCollateralPrincipalAmount_10d3499e-f510-4681-90fc-79673e45467b" xlink:href="slm-20241231.xsd#slm_LoansPledgedAsCollateralPrincipalAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_slm_LoansPledgedAsCollateralPrincipalAmount_10d3499e-f510-4681-90fc-79673e45467b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansPledgedAsCollateralCapitalizedInterest_a2aee6de-82a7-4082-9e19-1864b31fde1b" xlink:href="slm-20241231.xsd#slm_LoansPledgedAsCollateralCapitalizedInterest"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_slm_LoansPledgedAsCollateralCapitalizedInterest_a2aee6de-82a7-4082-9e19-1864b31fde1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross_b63ce71d-ed66-4f7f-bf12-d956b6c22adb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NotesReceivableGross"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_81b0278c-2eab-4866-a434-dced149ad56b" xlink:to="loc_us-gaap_NotesReceivableGross_b63ce71d-ed66-4f7f-bf12-d956b6c22adb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsFinancingVIEsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_8f6a0ab3-3d69-4757-b74a-8b74acc54e13" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_08a476d9-c236-4027-9e13-cabd71e511df" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_8f6a0ab3-3d69-4757-b74a-8b74acc54e13" xlink:to="loc_us-gaap_DebtInstrumentTable_08a476d9-c236-4027-9e13-cabd71e511df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_2cb62fbc-ced5-47ee-b814-aecf75e6492d" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_08a476d9-c236-4027-9e13-cabd71e511df" xlink:to="loc_srt_ConsolidatedEntitiesAxis_2cb62fbc-ced5-47ee-b814-aecf75e6492d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_1d9a4af5-20f6-4137-bac8-d586d2d6fa94" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_2cb62fbc-ced5-47ee-b814-aecf75e6492d" xlink:to="loc_srt_ConsolidatedEntitiesDomain_1d9a4af5-20f6-4137-bac8-d586d2d6fa94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_27f26e3a-094d-470b-a6ea-c44bba482446" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_1d9a4af5-20f6-4137-bac8-d586d2d6fa94" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_27f26e3a-094d-470b-a6ea-c44bba482446" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_d7f7b39f-2b22-4c58-a3bb-47e798c4d148" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_08a476d9-c236-4027-9e13-cabd71e511df" xlink:to="loc_us-gaap_DebtInstrumentAxis_d7f7b39f-2b22-4c58-a3bb-47e798c4d148" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_76dff2ee-6d7b-48c4-a097-6936fbb33f1a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_d7f7b39f-2b22-4c58-a3bb-47e798c4d148" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_76dff2ee-6d7b-48c4-a097-6936fbb33f1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoanSecuritizationMember_e8a1535a-04fd-4d11-882e-a257f866cb5b" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoanSecuritizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_76dff2ee-6d7b-48c4-a097-6936fbb33f1a" xlink:to="loc_slm_PrivateEducationLoanSecuritizationMember_e8a1535a-04fd-4d11-882e-a257f866cb5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ABCPBorrowingsMember_26322f28-fb99-41e3-88bb-6796812c60d4" xlink:href="slm-20241231.xsd#slm_ABCPBorrowingsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_76dff2ee-6d7b-48c4-a097-6936fbb33f1a" xlink:to="loc_slm_ABCPBorrowingsMember_26322f28-fb99-41e3-88bb-6796812c60d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_1df947b1-7b1c-4f92-9d2b-263dcf25f42f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_08a476d9-c236-4027-9e13-cabd71e511df" xlink:to="loc_us-gaap_DebtInstrumentLineItems_1df947b1-7b1c-4f92-9d2b-263dcf25f42f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDefaultLongtermDebtAbstract_b9cf4d05-3adb-4c80-bb15-417bce72cf9b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDefaultLongtermDebtAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_1df947b1-7b1c-4f92-9d2b-263dcf25f42f" xlink:to="loc_us-gaap_DebtDefaultLongtermDebtAbstract_b9cf4d05-3adb-4c80-bb15-417bce72cf9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentsAbstract_21f6594f-364d-4b02-aaac-ec9b7c787485" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDefaultLongtermDebtAbstract_b9cf4d05-3adb-4c80-bb15-417bce72cf9b" xlink:to="loc_us-gaap_DebtInstrumentsAbstract_21f6594f-364d-4b02-aaac-ec9b7c787485" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_2e75eafa-933c-415e-8092-1fc27b69d227" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShortTermBorrowings"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentsAbstract_21f6594f-364d-4b02-aaac-ec9b7c787485" xlink:to="loc_us-gaap_ShortTermBorrowings_2e75eafa-933c-415e-8092-1fc27b69d227" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_18771c97-d6fb-4d48-99ec-6aaa951bca91" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentsAbstract_21f6594f-364d-4b02-aaac-ec9b7c787485" xlink:to="loc_us-gaap_LongTermDebt_18771c97-d6fb-4d48-99ec-6aaa951bca91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_67d01bf4-3f17-498d-9b57-633f2f6611a0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentsAbstract_21f6594f-364d-4b02-aaac-ec9b7c787485" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_67d01bf4-3f17-498d-9b57-633f2f6611a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAbstract_4048921b-63df-4d5e-9366-53fd46291490" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDefaultLongtermDebtAbstract_b9cf4d05-3adb-4c80-bb15-417bce72cf9b" xlink:to="loc_us-gaap_RestrictedCashAbstract_4048921b-63df-4d5e-9366-53fd46291490" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans_31f8daad-e561-472b-9cd9-be8d30ef769e" xlink:href="slm-20241231.xsd#slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestrictedCashAbstract_4048921b-63df-4d5e-9366-53fd46291490" xlink:to="loc_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans_31f8daad-e561-472b-9cd9-be8d30ef769e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndInvestments_525e7ddd-cd50-45f2-8936-c368b469a682" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAndInvestments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestrictedCashAbstract_4048921b-63df-4d5e-9366-53fd46291490" xlink:to="loc_us-gaap_RestrictedCashAndInvestments_525e7ddd-cd50-45f2-8936-c368b469a682" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_482da456-ff5a-4329-90c4-9b324602998c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestrictedCashAbstract_4048921b-63df-4d5e-9366-53fd46291490" xlink:to="loc_us-gaap_OtherAssets_482da456-ff5a-4329-90c4-9b324602998c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_f4d1ac7e-f60b-4e7f-9619-d691242a4512" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestrictedCashAbstract_4048921b-63df-4d5e-9366-53fd46291490" xlink:to="loc_us-gaap_Assets_f4d1ac7e-f60b-4e7f-9619-d691242a4512" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsUnconsolidatedVIEsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_be67d0a7-6ce2-459a-873b-fc02728b44d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_da9ad0d7-b94b-4209-898d-eb439e92b875" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_be67d0a7-6ce2-459a-873b-fc02728b44d6" xlink:to="loc_us-gaap_DebtInstrumentTable_da9ad0d7-b94b-4209-898d-eb439e92b875" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_20c7d2d5-5612-4040-9324-107cfd27bac7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_da9ad0d7-b94b-4209-898d-eb439e92b875" xlink:to="loc_us-gaap_DebtInstrumentAxis_20c7d2d5-5612-4040-9324-107cfd27bac7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_20c7d2d5-5612-4040-9324-107cfd27bac7" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023AMember_b4cb981d-1665-402c-bf9a-e622c14baea5" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023AMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023AMember_b4cb981d-1665-402c-bf9a-e622c14baea5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024R1Member_52bd01c8-f98a-4f77-8203-61fcdb012300" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024R1Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024R1Member_52bd01c8-f98a-4f77-8203-61fcdb012300" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024BMember_215473fb-41e3-4213-bea4-835b47f47726" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024BMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024BMember_215473fb-41e3-4213-bea4-835b47f47726" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024DMember_aae24582-b4ba-4199-8694-d0f6de25ec3b" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024DMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024DMember_aae24582-b4ba-4199-8694-d0f6de25ec3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023BMember_563a8e69-f8af-412e-b68c-a2a5b6a9c3b9" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023BMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023BMember_563a8e69-f8af-412e-b68c-a2a5b6a9c3b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023DMember_f8b5a380-a2d7-49b4-b39b-79c04287e1de" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023DMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_43bf0af8-8007-487c-b439-46bee3d57538" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023DMember_f8b5a380-a2d7-49b4-b39b-79c04287e1de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_63994664-b609-4c0c-925f-724c2de1df13" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_da9ad0d7-b94b-4209-898d-eb439e92b875" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_63994664-b609-4c0c-925f-724c2de1df13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f76548ff-c194-4f9e-9224-89b40427f785" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_63994664-b609-4c0c-925f-724c2de1df13" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f76548ff-c194-4f9e-9224-89b40427f785" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_df432de3-b8c2-4e94-bed5-47de3a1c42d4" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f76548ff-c194-4f9e-9224-89b40427f785" xlink:to="loc_slm_PrivateEducationLoansMember_df432de3-b8c2-4e94-bed5-47de3a1c42d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StudentLoanMember_e4c2f54e-27ac-4c21-b7e2-f1cf718352ad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StudentLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f76548ff-c194-4f9e-9224-89b40427f785" xlink:to="loc_us-gaap_StudentLoanMember_e4c2f54e-27ac-4c21-b7e2-f1cf718352ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_c3efe410-27fc-412b-ad6c-3cbfbe4d3e0a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_da9ad0d7-b94b-4209-898d-eb439e92b875" xlink:to="loc_us-gaap_DebtInstrumentLineItems_c3efe410-27fc-412b-ad6c-3cbfbe4d3e0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_VerticalRiskRetentionPercentage_e948c1f8-df0d-47ad-b1e7-7ddafbfdda04" xlink:href="slm-20241231.xsd#slm_VerticalRiskRetentionPercentage"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c3efe410-27fc-412b-ad6c-3cbfbe4d3e0a" xlink:to="loc_slm_VerticalRiskRetentionPercentage_e948c1f8-df0d-47ad-b1e7-7ddafbfdda04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_1ff4c15e-a988-428c-99a2-71e724b2e707" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c3efe410-27fc-412b-ad6c-3cbfbe4d3e0a" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_1ff4c15e-a988-428c-99a2-71e724b2e707" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale_d72081a7-b1d4-425d-bc2b-ddef87a3dc81" xlink:href="slm-20241231.xsd#slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c3efe410-27fc-412b-ad6c-3cbfbe4d3e0a" xlink:to="loc_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale_d72081a7-b1d4-425d-bc2b-ddef87a3dc81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_3c693213-24eb-4802-b029-d680965d4b90" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGain"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c3efe410-27fc-412b-ad6c-3cbfbe4d3e0a" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_3c693213-24eb-4802-b029-d680965d4b90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsSecuritiesFinancingTransactionsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_13c6ef15-a003-4e52-8bfc-c5594faaa0af" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityTable_f8bb4276-7f2e-48d0-940c-4948b02d767d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_13c6ef15-a003-4e52-8bfc-c5594faaa0af" xlink:to="loc_us-gaap_LineOfCreditFacilityTable_f8bb4276-7f2e-48d0-940c-4948b02d767d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_bfc3ba9a-a6b5-4069-bb80-56b37ccfcab3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_f8bb4276-7f2e-48d0-940c-4948b02d767d" xlink:to="loc_us-gaap_DebtInstrumentAxis_bfc3ba9a-a6b5-4069-bb80-56b37ccfcab3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_bfc3ba9a-a6b5-4069-bb80-56b37ccfcab3" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023BMember_69da83f6-88a9-4475-83ee-ddf33a82455e" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023BMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023BMember_69da83f6-88a9-4475-83ee-ddf33a82455e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2023DMember_0f739d88-8d6b-4a85-8988-b5c5af602a8c" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2023DMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2023DMember_0f739d88-8d6b-4a85-8988-b5c5af602a8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024AMember_39e41a14-d66e-480c-95a1-89e9cd45fe75" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024AMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024AMember_39e41a14-d66e-480c-95a1-89e9cd45fe75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024R1Member_a147e4f2-7ec3-475a-a10a-b0a5e41ad7ab" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024R1Member"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024R1Member_a147e4f2-7ec3-475a-a10a-b0a5e41ad7ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024BMember_0bd4f94a-ee97-40cf-8c5e-006e527bcce1" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024BMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024BMember_0bd4f94a-ee97-40cf-8c5e-006e527bcce1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SMBPrivateEducationLoanTrust2024DMember_e8bdfdc7-d10f-47dd-a3cd-1f38341fda4d" xlink:href="slm-20241231.xsd#slm_SMBPrivateEducationLoanTrust2024DMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_67bb0681-5191-41fb-936c-228558872d9b" xlink:to="loc_slm_SMBPrivateEducationLoanTrust2024DMember_e8bdfdc7-d10f-47dd-a3cd-1f38341fda4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ec14ab95-bb07-41c1-913d-7ce3547d1de3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_f8bb4276-7f2e-48d0-940c-4948b02d767d" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ec14ab95-bb07-41c1-913d-7ce3547d1de3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5405f1c0-076d-4a2a-bb57-5147e7a655de" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ec14ab95-bb07-41c1-913d-7ce3547d1de3" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5405f1c0-076d-4a2a-bb57-5147e7a655de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_d15d9ab0-98bb-43e8-ba6f-5d683b1226bd" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5405f1c0-076d-4a2a-bb57-5147e7a655de" xlink:to="loc_slm_PrivateEducationLoansMember_d15d9ab0-98bb-43e8-ba6f-5d683b1226bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityLineItems_b6ea8c61-1e6d-4c0b-9763-3df9e1c865ba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_f8bb4276-7f2e-48d0-940c-4948b02d767d" xlink:to="loc_us-gaap_LineOfCreditFacilityLineItems_b6ea8c61-1e6d-4c0b-9763-3df9e1c865ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_5904a857-a01e-41a6-ba05-18567126a45b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_b6ea8c61-1e6d-4c0b-9763-3df9e1c865ba" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_5904a857-a01e-41a6-ba05-18567126a45b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale_c20f2ef4-6df8-49c0-8a3f-b9969b385f15" xlink:href="slm-20241231.xsd#slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_b6ea8c61-1e6d-4c0b-9763-3df9e1c865ba" xlink:to="loc_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale_c20f2ef4-6df8-49c0-8a3f-b9969b385f15" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_c6acab59-ce38-4551-8947-76611bf31ba0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGain"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_b6ea8c61-1e6d-4c0b-9763-3df9e1c865ba" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_c6acab59-ce38-4551-8947-76611bf31ba0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_f9e048a3-1aa8-4adf-9bee-a0a7bdacc4a7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_2271263d-fd84-4f7a-9bd2-fc7e623ec98f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_f9e048a3-1aa8-4adf-9bee-a0a7bdacc4a7" xlink:to="loc_us-gaap_DebtInstrumentTable_2271263d-fd84-4f7a-9bd2-fc7e623ec98f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_00742e02-d315-4ae0-b5cb-460234e81e70" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_2271263d-fd84-4f7a-9bd2-fc7e623ec98f" xlink:to="loc_srt_ConsolidatedEntitiesAxis_00742e02-d315-4ae0-b5cb-460234e81e70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_13d4d9b8-1f2c-499d-a2b3-c5015f7d4157" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_00742e02-d315-4ae0-b5cb-460234e81e70" xlink:to="loc_srt_ConsolidatedEntitiesDomain_13d4d9b8-1f2c-499d-a2b3-c5015f7d4157" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_68aa5334-8d91-43c3-9fba-4325c0541a7a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_13d4d9b8-1f2c-499d-a2b3-c5015f7d4157" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_68aa5334-8d91-43c3-9fba-4325c0541a7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_824cc580-5151-4bd9-96d3-f3ea0d044bbc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_2271263d-fd84-4f7a-9bd2-fc7e623ec98f" xlink:to="loc_us-gaap_DebtInstrumentAxis_824cc580-5151-4bd9-96d3-f3ea0d044bbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_14cdca2f-a63f-4e0c-bc0d-dc72a3e49558" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_824cc580-5151-4bd9-96d3-f3ea0d044bbc" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_14cdca2f-a63f-4e0c-bc0d-dc72a3e49558" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoanSecuritizationMember_309cca0e-8777-4390-b49f-36fb0112339a" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoanSecuritizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_14cdca2f-a63f-4e0c-bc0d-dc72a3e49558" xlink:to="loc_slm_PrivateEducationLoanSecuritizationMember_309cca0e-8777-4390-b49f-36fb0112339a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_a287f3a7-21aa-4df8-9893-b5f6c476c547" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_2271263d-fd84-4f7a-9bd2-fc7e623ec98f" xlink:to="loc_us-gaap_DebtInstrumentLineItems_a287f3a7-21aa-4df8-9893-b5f6c476c547" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e047cbee-dad2-4ec6-9087-9be7bb694885" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a287f3a7-21aa-4df8-9893-b5f6c476c547" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_e047cbee-dad2-4ec6-9087-9be7bb694885" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecurities_e1b61c63-8cde-4543-b485-4af93229d9af" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a287f3a7-21aa-4df8-9893-b5f6c476c547" xlink:to="loc_us-gaap_TradingSecurities_e1b61c63-8cde-4543-b485-4af93229d9af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_bbcec6da-940d-456b-a8d3-ae84c3637c42" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a287f3a7-21aa-4df8-9893-b5f6c476c547" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_bbcec6da-940d-456b-a8d3-ae84c3637c42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/BorrowingsOtherBorrowingSourcesNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#BorrowingsOtherBorrowingSourcesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/BorrowingsOtherBorrowingSourcesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_39a2354a-d2e4-455d-a14e-67e639162357" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_UncommittedFederalFunds_11333be6-ccc0-4656-9260-9b2819ab45ec" xlink:href="slm-20241231.xsd#slm_UncommittedFederalFunds"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_39a2354a-d2e4-455d-a14e-67e639162357" xlink:to="loc_slm_UncommittedFederalFunds_11333be6-ccc0-4656-9260-9b2819ab45ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Lendablevalueofcollateral_37b2dd3e-44f8-43d6-91fe-87c2831133de" xlink:href="slm-20241231.xsd#slm_Lendablevalueofcollateral"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_39a2354a-d2e4-455d-a14e-67e639162357" xlink:to="loc_slm_Lendablevalueofcollateral_37b2dd3e-44f8-43d6-91fe-87c2831133de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_94ceadde-2cbc-4a5a-ac61-f0e2a1b0479f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable_c37b30db-35ca-4270-878f-25b3d8128021" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_94ceadde-2cbc-4a5a-ac61-f0e2a1b0479f" xlink:to="loc_us-gaap_DerivativeTable_c37b30db-35ca-4270-878f-25b3d8128021" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_bfcc9538-9ef6-464a-9956-a3f52de64ade" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_c37b30db-35ca-4270-878f-25b3d8128021" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_bfcc9538-9ef6-464a-9956-a3f52de64ade" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_ae1d5067-93e9-4443-a06c-c2be98544340" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_bfcc9538-9ef6-464a-9956-a3f52de64ade" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_ae1d5067-93e9-4443-a06c-c2be98544340" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_exch_XCME_1c36d5a3-d5de-49aa-a234-ca3bc8b5eb0a" xlink:href="https://xbrl.sec.gov/exch/2024/exch-2024.xsd#exch_XCME"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_ae1d5067-93e9-4443-a06c-c2be98544340" xlink:to="loc_exch_XCME_1c36d5a3-d5de-49aa-a234-ca3bc8b5eb0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LondonClearingHouseMember_d23f03bc-04ba-439b-9655-d44e75ac7d3c" xlink:href="slm-20241231.xsd#slm_LondonClearingHouseMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_ae1d5067-93e9-4443-a06c-c2be98544340" xlink:to="loc_slm_LondonClearingHouseMember_d23f03bc-04ba-439b-9655-d44e75ac7d3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_c37b30db-35ca-4270-878f-25b3d8128021" xlink:to="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NumberOfCounterparties_67659407-f723-4966-8c91-8a78f5318a87" xlink:href="slm-20241231.xsd#slm_NumberOfCounterparties"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_slm_NumberOfCounterparties_67659407-f723-4966-8c91-8a78f5318a87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_8fb4fbfc-19bb-45e3-87cf-9da6f93b8232" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_us-gaap_DerivativeNotionalAmount_8fb4fbfc-19bb-45e3-87cf-9da6f93b8232" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts_80903123-c315-419d-be6a-e2fedc518993" xlink:href="slm-20241231.xsd#slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts_80903123-c315-419d-be6a-e2fedc518993" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmountOfVariationMarginIncludedAsSettlement_e271e531-47a9-4673-adab-8991b924fc4f" xlink:href="slm-20241231.xsd#slm_AmountOfVariationMarginIncludedAsSettlement"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_slm_AmountOfVariationMarginIncludedAsSettlement_e271e531-47a9-4673-adab-8991b924fc4f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet_d799b7ff-63de-4992-b7e2-9db375d72905" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet_d799b7ff-63de-4992-b7e2-9db375d72905" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_1a374f4f-2eb2-4693-9809-adbc1e72379b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_1a374f4f-2eb2-4693-9809-adbc1e72379b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet_3e8e5c31-623f-49cf-96d0-37110bf2f55a" xlink:href="slm-20241231.xsd#slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet_3e8e5c31-623f-49cf-96d0-37110bf2f55a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_2b17296c-a6c5-4e78-b4f2-550ea081b2e6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_80fdb123-9e3c-4e02-822a-b58ab623d089" xlink:to="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_2b17296c-a6c5-4e78-b4f2-550ea081b2e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_940820b9-89b0-424c-958e-f45fe780b46f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_8992af07-3beb-424f-a07b-a42eba202395" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_940820b9-89b0-424c-958e-f45fe780b46f" xlink:to="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_8992af07-3beb-424f-a07b-a42eba202395" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_f20fe9b4-8951-45e9-9951-1cc3130e5426" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_8992af07-3beb-424f-a07b-a42eba202395" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_f20fe9b4-8951-45e9-9951-1cc3130e5426" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_159384fe-0d7d-4cd4-a49a-1c34db22e7d5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_f20fe9b4-8951-45e9-9951-1cc3130e5426" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_159384fe-0d7d-4cd4-a49a-1c34db22e7d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_53b0dc42-64ce-4c98-bc26-efa93344de26" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestRateSwapMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_159384fe-0d7d-4cd4-a49a-1c34db22e7d5" xlink:to="loc_us-gaap_InterestRateSwapMember_53b0dc42-64ce-4c98-bc26-efa93344de26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_a1ecbd05-5234-4ecd-8863-e65a8513bf57" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_8992af07-3beb-424f-a07b-a42eba202395" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_a1ecbd05-5234-4ecd-8863-e65a8513bf57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_3c0c4cc8-36b6-4d57-be63-13274c2bb223" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_a1ecbd05-5234-4ecd-8863-e65a8513bf57" xlink:to="loc_us-gaap_HedgingRelationshipDomain_3c0c4cc8-36b6-4d57-be63-13274c2bb223" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember_43312d46-6d6c-42fd-83fd-93e1cbf1bfe1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_3c0c4cc8-36b6-4d57-be63-13274c2bb223" xlink:to="loc_us-gaap_CashFlowHedgingMember_43312d46-6d6c-42fd-83fd-93e1cbf1bfe1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_2b2a43b6-56b7-444d-93e9-84d6b5ce926b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueHedgingMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_3c0c4cc8-36b6-4d57-be63-13274c2bb223" xlink:to="loc_us-gaap_FairValueHedgingMember_2b2a43b6-56b7-444d-93e9-84d6b5ce926b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_c758c467-2f68-4fa8-a7bb-8bd839cde34d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_8992af07-3beb-424f-a07b-a42eba202395" xlink:to="loc_us-gaap_HedgingDesignationAxis_c758c467-2f68-4fa8-a7bb-8bd839cde34d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_783998da-e938-44a1-8f28-93e95ee46e2a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_c758c467-2f68-4fa8-a7bb-8bd839cde34d" xlink:to="loc_us-gaap_HedgingDesignationDomain_783998da-e938-44a1-8f28-93e95ee46e2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_28f7687c-17df-46f3-91c6-487c9147a3e3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_783998da-e938-44a1-8f28-93e95ee46e2a" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_28f7687c-17df-46f3-91c6-487c9147a3e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_99b5be7b-4e71-485a-bf4e-44150043fb0c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_783998da-e938-44a1-8f28-93e95ee46e2a" xlink:to="loc_us-gaap_NondesignatedMember_99b5be7b-4e71-485a-bf4e-44150043fb0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems_f04d8142-6545-4701-81c8-5c090b033ab0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_8992af07-3beb-424f-a07b-a42eba202395" xlink:to="loc_us-gaap_DerivativesFairValueLineItems_f04d8142-6545-4701-81c8-5c090b033ab0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_3d5007f5-d835-44be-addb-f31857a6444e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_f04d8142-6545-4701-81c8-5c090b033ab0" xlink:to="loc_us-gaap_DerivativeAssets_3d5007f5-d835-44be-addb-f31857a6444e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_b0646ea9-7a1f-4b53-a821-4a0158d762c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_f04d8142-6545-4701-81c8-5c090b033ab0" xlink:to="loc_us-gaap_DerivativeLiabilities_b0646ea9-7a1f-4b53-a821-4a0158d762c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_eb16c774-bd5d-4f0b-b34a-63ae190c2312" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_f04d8142-6545-4701-81c8-5c090b033ab0" xlink:to="loc_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet_eb16c774-bd5d-4f0b-b34a-63ae190c2312" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_b99519da-e8fd-416d-8208-adbc18c3643d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetsAbstract_94434145-cc20-4af8-a539-94cfb4d69d3f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_b99519da-e8fd-416d-8208-adbc18c3643d" xlink:to="loc_us-gaap_DerivativeAssetsAbstract_94434145-cc20-4af8-a539-94cfb4d69d3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_f6676b31-2819-4454-b76d-f2ba357f4fbd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_94434145-cc20-4af8-a539-94cfb4d69d3f" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_f6676b31-2819-4454-b76d-f2ba357f4fbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability_23c27735-548c-4926-babb-ec0a1b5a1efe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_94434145-cc20-4af8-a539-94cfb4d69d3f" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiability_23c27735-548c-4926-babb-ec0a1b5a1efe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_243192dd-783b-48d1-840b-00fbfbba3b0e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_94434145-cc20-4af8-a539-94cfb4d69d3f" xlink:to="loc_us-gaap_DerivativeAssets_243192dd-783b-48d1-840b-00fbfbba3b0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset_bef63d41-7edb-46b2-9310-33d736a7ea27" xlink:href="slm-20241231.xsd#slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_94434145-cc20-4af8-a539-94cfb4d69d3f" xlink:to="loc_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset_bef63d41-7edb-46b2-9310-33d736a7ea27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_ae079305-0005-4c68-8149-0055c1933bcd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_94434145-cc20-4af8-a539-94cfb4d69d3f" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_ae079305-0005-4c68-8149-0055c1933bcd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitiesAbstract_55073cb4-87e9-4484-b02b-41ec2f464ae4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_b99519da-e8fd-416d-8208-adbc18c3643d" xlink:to="loc_us-gaap_DerivativeLiabilitiesAbstract_55073cb4-87e9-4484-b02b-41ec2f464ae4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_438ddf51-31be-460f-a8ea-908cfd1654bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_55073cb4-87e9-4484-b02b-41ec2f464ae4" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_438ddf51-31be-460f-a8ea-908cfd1654bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_e888aec1-8025-42ca-9c6a-a1cf60353edb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_55073cb4-87e9-4484-b02b-41ec2f464ae4" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_e888aec1-8025-42ca-9c6a-a1cf60353edb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_36bcbbd0-7294-4032-a299-4ed0b23736ee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_55073cb4-87e9-4484-b02b-41ec2f464ae4" xlink:to="loc_us-gaap_DerivativeLiabilities_36bcbbd0-7294-4032-a299-4ed0b23736ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_64bd471e-d450-461f-9fb0-401788e626fb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_55073cb4-87e9-4484-b02b-41ec2f464ae4" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_64bd471e-d450-461f-9fb0-401788e626fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_22e49697-5a1c-42b3-b4e9-cdc9a144318a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_55073cb4-87e9-4484-b02b-41ec2f464ae4" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_22e49697-5a1c-42b3-b4e9-cdc9a144318a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsNotionalValuesDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e07c9b9e-497c-4baa-915e-3dd47b0e4911" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_5eec6140-15f2-4e14-a0bf-56e7a46e2ce9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e07c9b9e-497c-4baa-915e-3dd47b0e4911" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_5eec6140-15f2-4e14-a0bf-56e7a46e2ce9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_f6251ed9-b20b-455a-b42d-8c3e99a44e93" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_5eec6140-15f2-4e14-a0bf-56e7a46e2ce9" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_f6251ed9-b20b-455a-b42d-8c3e99a44e93" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_bf3697bf-5608-4048-b5ea-1c4ed2b0520f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_f6251ed9-b20b-455a-b42d-8c3e99a44e93" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_bf3697bf-5608-4048-b5ea-1c4ed2b0520f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_58c7b9ef-f237-47af-a167-234c88296e2c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestRateSwapMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_bf3697bf-5608-4048-b5ea-1c4ed2b0520f" xlink:to="loc_us-gaap_InterestRateSwapMember_58c7b9ef-f237-47af-a167-234c88296e2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_3ae03c9b-961d-42f3-b215-dd5f4a40a2d9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_5eec6140-15f2-4e14-a0bf-56e7a46e2ce9" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_3ae03c9b-961d-42f3-b215-dd5f4a40a2d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_e68e23b6-f569-4e00-9f0a-804a405c2180" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_3ae03c9b-961d-42f3-b215-dd5f4a40a2d9" xlink:to="loc_us-gaap_HedgingRelationshipDomain_e68e23b6-f569-4e00-9f0a-804a405c2180" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember_7505b7ea-e5d4-4087-a5a0-8230e8a474ae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_e68e23b6-f569-4e00-9f0a-804a405c2180" xlink:to="loc_us-gaap_CashFlowHedgingMember_7505b7ea-e5d4-4087-a5a0-8230e8a474ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_380bb0de-f95a-4fcd-80a7-7264e1d9b9f0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueHedgingMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_e68e23b6-f569-4e00-9f0a-804a405c2180" xlink:to="loc_us-gaap_FairValueHedgingMember_380bb0de-f95a-4fcd-80a7-7264e1d9b9f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_4a68f2ad-fc00-4920-bb8d-8cdb61488fd0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_5eec6140-15f2-4e14-a0bf-56e7a46e2ce9" xlink:to="loc_us-gaap_HedgingDesignationAxis_4a68f2ad-fc00-4920-bb8d-8cdb61488fd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_c99f6ce1-7d69-4478-a62d-62176281685f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_4a68f2ad-fc00-4920-bb8d-8cdb61488fd0" xlink:to="loc_us-gaap_HedgingDesignationDomain_c99f6ce1-7d69-4478-a62d-62176281685f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_cee18318-ab00-447f-8d6a-02adcce4b858" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_c99f6ce1-7d69-4478-a62d-62176281685f" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_cee18318-ab00-447f-8d6a-02adcce4b858" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_8e1d37be-b358-4cf8-8154-fa429ec8a84d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_c99f6ce1-7d69-4478-a62d-62176281685f" xlink:to="loc_us-gaap_NondesignatedMember_8e1d37be-b358-4cf8-8154-fa429ec8a84d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_77dcf4db-5c1f-4875-bde2-95fbe3db070d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_5eec6140-15f2-4e14-a0bf-56e7a46e2ce9" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_77dcf4db-5c1f-4875-bde2-95fbe3db070d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_bcdedfe7-bfab-4965-bb00-a11a41657063" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_77dcf4db-5c1f-4875-bde2-95fbe3db070d" xlink:to="loc_us-gaap_DerivativeNotionalAmount_bcdedfe7-bfab-4965-bb00-a11a41657063" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_3d02a38c-d075-4d1f-8276-53cd25166c62" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_fb77ffed-0175-4950-a5ac-728741ff0fe1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_3d02a38c-d075-4d1f-8276-53cd25166c62" xlink:to="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_fb77ffed-0175-4950-a5ac-728741ff0fe1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_ac826363-7447-4cc5-8084-dfca22c0b268" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_fb77ffed-0175-4950-a5ac-728741ff0fe1" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_ac826363-7447-4cc5-8084-dfca22c0b268" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_56f3f80f-b17b-448d-8256-6bb489871171" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_ac826363-7447-4cc5-8084-dfca22c0b268" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_56f3f80f-b17b-448d-8256-6bb489871171" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsMember_883278e6-c675-4275-be48-302384531757" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_56f3f80f-b17b-448d-8256-6bb489871171" xlink:to="loc_us-gaap_DepositsMember_883278e6-c675-4275-be48-302384531757" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems_7afe63cc-822e-45ae-af73-8b003e58e955" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_fb77ffed-0175-4950-a5ac-728741ff0fe1" xlink:to="loc_us-gaap_DerivativesFairValueLineItems_7afe63cc-822e-45ae-af73-8b003e58e955" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityFairValueHedge_58b0aac8-fb6d-4a11-894e-9181db9be7e8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgedLiabilityFairValueHedge"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_7afe63cc-822e-45ae-af73-8b003e58e955" xlink:to="loc_us-gaap_HedgedLiabilityFairValueHedge_58b0aac8-fb6d-4a11-894e-9181db9be7e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_2bc09897-5363-4632-bc36-31b5dc889f8e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_7afe63cc-822e-45ae-af73-8b003e58e955" xlink:to="loc_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_2bc09897-5363-4632-bc36-31b5dc889f8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_8c2b3304-a4e5-48a0-99c7-b604c04700c7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c833f6eb-02ec-488b-91b3-fa465a60d176" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_8c2b3304-a4e5-48a0-99c7-b604c04700c7" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c833f6eb-02ec-488b-91b3-fa465a60d176" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_f8b7b258-7bb3-4fb8-9807-2d1ba33f3695" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c833f6eb-02ec-488b-91b3-fa465a60d176" xlink:to="loc_us-gaap_HedgingDesignationAxis_f8b7b258-7bb3-4fb8-9807-2d1ba33f3695" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_8fa068ab-db36-43ea-b602-74767fd823be" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_f8b7b258-7bb3-4fb8-9807-2d1ba33f3695" xlink:to="loc_us-gaap_HedgingDesignationDomain_8fa068ab-db36-43ea-b602-74767fd823be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_6058f100-f081-4bdf-afa2-99d4b021462f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_8fa068ab-db36-43ea-b602-74767fd823be" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_6058f100-f081-4bdf-afa2-99d4b021462f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_76eb68aa-d91b-43df-a7f1-7becff087de5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_8fa068ab-db36-43ea-b602-74767fd823be" xlink:to="loc_us-gaap_NondesignatedMember_76eb68aa-d91b-43df-a7f1-7becff087de5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_06fc95f3-335a-499a-bc33-4ff298cbbb10" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c833f6eb-02ec-488b-91b3-fa465a60d176" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_06fc95f3-335a-499a-bc33-4ff298cbbb10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_98507c48-5e2f-449c-898f-0f6b60b2b2e0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_06fc95f3-335a-499a-bc33-4ff298cbbb10" xlink:to="loc_us-gaap_EquityComponentDomain_98507c48-5e2f-449c-898f-0f6b60b2b2e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_4cac4af7-4f79-4a59-b4da-f5305da2837d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_98507c48-5e2f-449c-898f-0f6b60b2b2e0" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_4cac4af7-4f79-4a59-b4da-f5305da2837d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b5a013f2-22f6-4479-b3b5-011f670d927f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c833f6eb-02ec-488b-91b3-fa465a60d176" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b5a013f2-22f6-4479-b3b5-011f670d927f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_dfc1c2f4-356f-4240-8ac6-ba5911543432" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b5a013f2-22f6-4479-b3b5-011f670d927f" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_dfc1c2f4-356f-4240-8ac6-ba5911543432" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_0577559b-198b-40e0-bc19-81b8e21990ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_dfc1c2f4-356f-4240-8ac6-ba5911543432" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_0577559b-198b-40e0-bc19-81b8e21990ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c833f6eb-02ec-488b-91b3-fa465a60d176" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract_995b3950-e8f3-47b8-a773-f4dc710c1854" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:to="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract_995b3950-e8f3-47b8-a773-f4dc710c1854" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings_5f538b62-a6ac-4876-a256-c1008fdb7b9e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract_995b3950-e8f3-47b8-a773-f4dc710c1854" xlink:to="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings_5f538b62-a6ac-4876-a256-c1008fdb7b9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_e99623c6-c2a9-496b-9af3-211406358948" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract_995b3950-e8f3-47b8-a773-f4dc710c1854" xlink:to="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_e99623c6-c2a9-496b-9af3-211406358948" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_bdb1c750-e0f7-4b34-9bd4-5b300eb262c6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract_995b3950-e8f3-47b8-a773-f4dc710c1854" xlink:to="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_bdb1c750-e0f7-4b34-9bd4-5b300eb262c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract_3908310c-75ee-4dfc-bb74-daf511575ef7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:to="loc_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract_3908310c-75ee-4dfc-bb74-daf511575ef7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_83cc25b4-3e37-4b7e-b097-1a3def6f039a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract_3908310c-75ee-4dfc-bb74-daf511575ef7" xlink:to="loc_us-gaap_InterestExpense_83cc25b4-3e37-4b7e-b097-1a3def6f039a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract_241c6e88-a08f-439e-bc17-b1cd6644c8cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:to="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract_241c6e88-a08f-439e-bc17-b1cd6644c8cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings_c06b1bdd-47a1-4691-8229-9867f52684fd" xlink:href="slm-20241231.xsd#slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract_241c6e88-a08f-439e-bc17-b1cd6644c8cd" xlink:to="loc_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings_c06b1bdd-47a1-4691-8229-9867f52684fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet_bad3e6eb-60d0-470c-ab8c-6a3599821d4c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:to="loc_us-gaap_DerivativeGainLossOnDerivativeNet_bad3e6eb-60d0-470c-ab8c-6a3599821d4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_231270dc-fa45-4b2b-ac41-74ae98b91501" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_e68640f9-86ea-41dc-831a-56b22d04f0ec" xlink:to="loc_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_231270dc-fa45-4b2b-ac41-74ae98b91501" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_5b9d0f39-8dcd-4b91-886a-6a3610563e00" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_dcbf3423-99b0-40c4-8de5-4351ea37c2b2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_5b9d0f39-8dcd-4b91-886a-6a3610563e00" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_dcbf3423-99b0-40c4-8de5-4351ea37c2b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_7a730560-31aa-4754-9bbb-11077be1980d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_5b9d0f39-8dcd-4b91-886a-6a3610563e00" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_7a730560-31aa-4754-9bbb-11077be1980d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit_5b593dad-bae5-4a2e-86fe-cf65e9bb5239" xlink:href="slm-20241231.xsd#slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_5b9d0f39-8dcd-4b91-886a-6a3610563e00" xlink:to="loc_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit_5b593dad-bae5-4a2e-86fe-cf65e9bb5239" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockholdersEquityPreferredStockDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_331dfb6c-991c-408a-aa8b-c3a3ae32a97b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_e719cbef-e052-4735-852a-4922a7309cf0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_331dfb6c-991c-408a-aa8b-c3a3ae32a97b" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_e719cbef-e052-4735-852a-4922a7309cf0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_2fc6fc7f-0de0-4888-b1d8-740f5875432d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_e719cbef-e052-4735-852a-4922a7309cf0" xlink:to="loc_us-gaap_StatementClassOfStockAxis_2fc6fc7f-0de0-4888-b1d8-740f5875432d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_b9edf69d-d5b3-450e-b5c6-bb3e49a92d09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_2fc6fc7f-0de0-4888-b1d8-740f5875432d" xlink:to="loc_us-gaap_ClassOfStockDomain_b9edf69d-d5b3-450e-b5c6-bb3e49a92d09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember_c9e87f3a-6792-4fa5-96f3-8e65e5b7a7b3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_b9edf69d-d5b3-450e-b5c6-bb3e49a92d09" xlink:to="loc_us-gaap_SeriesBPreferredStockMember_c9e87f3a-6792-4fa5-96f3-8e65e5b7a7b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateAxis_ef20b190-91f4-4178-b114-9f23695d14a4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableRateAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_e719cbef-e052-4735-852a-4922a7309cf0" xlink:to="loc_us-gaap_VariableRateAxis_ef20b190-91f4-4178-b114-9f23695d14a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_87c486f8-a942-41b5-9917-5bdff61aca63" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableRateDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateAxis_ef20b190-91f4-4178-b114-9f23695d14a4" xlink:to="loc_us-gaap_VariableRateDomain_87c486f8-a942-41b5-9917-5bdff61aca63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LondonInterbankOfferedRateLIBOR1Member_77959423-f5c6-4360-8ebb-7ba0edd60e9f" xlink:href="slm-20241231.xsd#slm_LondonInterbankOfferedRateLIBOR1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_87c486f8-a942-41b5-9917-5bdff61aca63" xlink:to="loc_slm_LondonInterbankOfferedRateLIBOR1Member_77959423-f5c6-4360-8ebb-7ba0edd60e9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredOvernightFinancingRateSofrMember_e122904f-648a-4954-94f6-44d06655bdf7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SecuredOvernightFinancingRateSofrMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_87c486f8-a942-41b5-9917-5bdff61aca63" xlink:to="loc_us-gaap_SecuredOvernightFinancingRateSofrMember_e122904f-648a-4954-94f6-44d06655bdf7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ThreeMonthLIBORMember_c26e8438-96e5-4900-935e-a96c9bd0b8cc" xlink:href="slm-20241231.xsd#slm_ThreeMonthLIBORMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_87c486f8-a942-41b5-9917-5bdff61aca63" xlink:to="loc_slm_ThreeMonthLIBORMember_c26e8438-96e5-4900-935e-a96c9bd0b8cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_f56eb8f1-efa0-4504-817b-a56230ffd23f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_e719cbef-e052-4735-852a-4922a7309cf0" xlink:to="loc_us-gaap_ClassOfStockLineItems_f56eb8f1-efa0-4504-817b-a56230ffd23f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_14ff454a-8caf-41dd-9f45-b47dc9f0ce2a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_f56eb8f1-efa0-4504-817b-a56230ffd23f" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_14ff454a-8caf-41dd-9f45-b47dc9f0ce2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePercentage_f5efeeb4-981e-4443-a87d-f4af48529c09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendRatePercentage"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_f56eb8f1-efa0-4504-817b-a56230ffd23f" xlink:to="loc_us-gaap_PreferredStockDividendRatePercentage_f5efeeb4-981e-4443-a87d-f4af48529c09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_644e76e4-c716-44da-a9b5-7125703e38da" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_f56eb8f1-efa0-4504-817b-a56230ffd23f" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_644e76e4-c716-44da-a9b5-7125703e38da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockholdersEquityCommonStockDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockholdersEquityCommonStockDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockholdersEquityCommonStockDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_08432441-5a5d-4982-a66d-bab69dfa6b8d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_771065a3-16b8-4512-b9c6-4dcda7f465f3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_08432441-5a5d-4982-a66d-bab69dfa6b8d" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_771065a3-16b8-4512-b9c6-4dcda7f465f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_470f67db-c5fb-46d5-ba0d-007db7b6fd5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_771065a3-16b8-4512-b9c6-4dcda7f465f3" xlink:to="loc_us-gaap_StatementClassOfStockAxis_470f67db-c5fb-46d5-ba0d-007db7b6fd5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_530a4a05-b6d0-484b-9fd4-e5df308cf1ab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_470f67db-c5fb-46d5-ba0d-007db7b6fd5e" xlink:to="loc_us-gaap_ClassOfStockDomain_530a4a05-b6d0-484b-9fd4-e5df308cf1ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_7e8e36be-8e56-4ee5-b356-aec080d5f557" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_530a4a05-b6d0-484b-9fd4-e5df308cf1ab" xlink:to="loc_us-gaap_CommonStockMember_7e8e36be-8e56-4ee5-b356-aec080d5f557" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_771065a3-16b8-4512-b9c6-4dcda7f465f3" xlink:to="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_30086bdc-e5ee-42f4-9134-40944cd80fa7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_30086bdc-e5ee-42f4-9134-40944cd80fa7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_27ea3816-4c2f-4894-8e7c-d00e94f7a1c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_27ea3816-4c2f-4894-8e7c-d00e94f7a1c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_ce9f061b-df4e-4b46-aa13-97ec2b33c228" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:to="loc_us-gaap_CommonStockSharesIssued_ce9f061b-df4e-4b46-aa13-97ec2b33c228" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_12b804b0-346a-488f-8a5c-bd28e4557db6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_12b804b0-346a-488f-8a5c-bd28e4557db6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CommonSharesUnissuedButEncumbered_16fb3399-be32-44b8-9215-9f08a12973c2" xlink:href="slm-20241231.xsd#slm_CommonSharesUnissuedButEncumbered"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_250cab5d-2c3e-458a-9772-99ab76c3bdf6" xlink:to="loc_slm_CommonSharesUnissuedButEncumbered_16fb3399-be32-44b8-9215-9f08a12973c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockholdersEquityCommonStockDividendsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockholdersEquityCommonStockDividendsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockholdersEquityCommonStockDividendsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_1be2d5f0-bf49-4d46-a0ec-a2ce7d1b5f71" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareCashPaid_05ec75e3-299c-42df-a2c1-7cf17818f265" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockDividendsPerShareCashPaid"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_1be2d5f0-bf49-4d46-a0ec-a2ce7d1b5f71" xlink:to="loc_us-gaap_CommonStockDividendsPerShareCashPaid_05ec75e3-299c-42df-a2c1-7cf17818f265" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockholdersEquityShareRepurchasesDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_04ad26dc-5105-4e4b-bcd0-1ca463e2c75e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_a78f101f-36d8-481d-85d0-9547c9110542" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_04ad26dc-5105-4e4b-bcd0-1ca463e2c75e" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_a78f101f-36d8-481d-85d0-9547c9110542" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramAxis_603af934-8723-4ece-9465-d21b68dfbdca" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_a78f101f-36d8-481d-85d0-9547c9110542" xlink:to="loc_srt_ShareRepurchaseProgramAxis_603af934-8723-4ece-9465-d21b68dfbdca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramDomain_5383b001-2d2a-497b-9ba7-ea1dbb814863" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramAxis_603af934-8723-4ece-9465-d21b68dfbdca" xlink:to="loc_srt_ShareRepurchaseProgramDomain_5383b001-2d2a-497b-9ba7-ea1dbb814863" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2020ShareRepurchaseProgramMember_b1d64f27-ec95-4c77-85d1-b2ff6c1407b4" xlink:href="slm-20241231.xsd#slm_A2020ShareRepurchaseProgramMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramDomain_5383b001-2d2a-497b-9ba7-ea1dbb814863" xlink:to="loc_slm_A2020ShareRepurchaseProgramMember_b1d64f27-ec95-4c77-85d1-b2ff6c1407b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2021ShareRepurchaseProgramMember_8858cf9d-9ab6-44c8-acf2-4f79967aad47" xlink:href="slm-20241231.xsd#slm_A2021ShareRepurchaseProgramMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramDomain_5383b001-2d2a-497b-9ba7-ea1dbb814863" xlink:to="loc_slm_A2021ShareRepurchaseProgramMember_8858cf9d-9ab6-44c8-acf2-4f79967aad47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2022ShareRepurchaseProgramMember_bfb60024-3c2c-43d0-b39d-cc5b387f8642" xlink:href="slm-20241231.xsd#slm_A2022ShareRepurchaseProgramMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramDomain_5383b001-2d2a-497b-9ba7-ea1dbb814863" xlink:to="loc_slm_A2022ShareRepurchaseProgramMember_bfb60024-3c2c-43d0-b39d-cc5b387f8642" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Rule10b51TradingPlanMember_001d728b-271a-438e-9965-5cd33b48e740" xlink:href="slm-20241231.xsd#slm_Rule10b51TradingPlanMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramDomain_5383b001-2d2a-497b-9ba7-ea1dbb814863" xlink:to="loc_slm_Rule10b51TradingPlanMember_001d728b-271a-438e-9965-5cd33b48e740" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_3f42f2ad-347a-4ff9-947f-413dc44943e8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_a78f101f-36d8-481d-85d0-9547c9110542" xlink:to="loc_us-gaap_StatementClassOfStockAxis_3f42f2ad-347a-4ff9-947f-413dc44943e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_f1e757c7-2c37-4ae6-8ff3-2f90c69ee093" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_3f42f2ad-347a-4ff9-947f-413dc44943e8" xlink:to="loc_us-gaap_ClassOfStockDomain_f1e757c7-2c37-4ae6-8ff3-2f90c69ee093" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_82e2f4ca-77ed-4c14-a448-bca938ddba16" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_f1e757c7-2c37-4ae6-8ff3-2f90c69ee093" xlink:to="loc_us-gaap_CommonStockMember_82e2f4ca-77ed-4c14-a448-bca938ddba16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_ba752021-a75f-4852-9a26-ff6adc9f9e16" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_a78f101f-36d8-481d-85d0-9547c9110542" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_ba752021-a75f-4852-9a26-ff6adc9f9e16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_5f676e22-3304-42fb-9ee0-a1e2a10e176c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_ba752021-a75f-4852-9a26-ff6adc9f9e16" xlink:to="loc_us-gaap_EquityComponentDomain_5f676e22-3304-42fb-9ee0-a1e2a10e176c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_4922d22c-247a-4898-a19d-cfa87090234f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_5f676e22-3304-42fb-9ee0-a1e2a10e176c" xlink:to="loc_us-gaap_CommonStockMember_4922d22c-247a-4898-a19d-cfa87090234f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_57baac79-561b-4e6c-8b6a-98d9d2554ed3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_5f676e22-3304-42fb-9ee0-a1e2a10e176c" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_57baac79-561b-4e6c-8b6a-98d9d2554ed3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_a78f101f-36d8-481d-85d0-9547c9110542" xlink:to="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StockRepurchaseProgramAuthorizedAmount1_702b2240-1011-4503-b607-4aa373dbbf70" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_StockRepurchaseProgramAuthorizedAmount1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_srt_StockRepurchaseProgramAuthorizedAmount1_702b2240-1011-4503-b607-4aa373dbbf70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_a6299f2b-6c49-4274-a139-cdd4af90c913" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_a6299f2b-6c49-4274-a139-cdd4af90c913" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_e27940b4-756a-46d9-984c-c5abb4336dc5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_e27940b4-756a-46d9-984c-c5abb4336dc5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_5b86da27-dc38-407a-9712-4dad36cc699d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_5b86da27-dc38-407a-9712-4dad36cc699d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased_51b06e10-fe25-47f7-9981-063e9a690947" xlink:href="slm-20241231.xsd#slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased_51b06e10-fe25-47f7-9981-063e9a690947" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredParValueMethod_fb614474-a695-4e00-8fc0-df0463fd245f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockValueAcquiredParValueMethod"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredParValueMethod_fb614474-a695-4e00-8fc0-df0463fd245f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_74e117d9-e40e-426c-9ca3-f1cf5b114c07" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_74e117d9-e40e-426c-9ca3-f1cf5b114c07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_e57dfaf7-89c8-48a8-be4e-5a219bdd2814" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_e57dfaf7-89c8-48a8-be4e-5a219bdd2814" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_f9b36e6f-1dd6-4fda-afec-94f2caad9ec3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_f9b36e6f-1dd6-4fda-afec-94f2caad9ec3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharePrice_2ead6312-0603-4a26-8897-b146ae879c23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharePrice"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_ce5ad922-73ce-4f25-bb68-3c0239049cf3" xlink:to="loc_us-gaap_SharePrice_2ead6312-0603-4a26-8897-b146ae879c23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockholdersEquityScheduleofCommonShareRepurchasesDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_7c5784d2-ea35-4cb2-81aa-47dce8c676c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_031bdc38-ce08-45bc-961d-2dabae265885" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_7c5784d2-ea35-4cb2-81aa-47dce8c676c3" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_031bdc38-ce08-45bc-961d-2dabae265885" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramAxis_f5274083-417c-4b0d-9231-dfda79dd8216" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_031bdc38-ce08-45bc-961d-2dabae265885" xlink:to="loc_srt_ShareRepurchaseProgramAxis_f5274083-417c-4b0d-9231-dfda79dd8216" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramDomain_5903f9f6-2962-4951-a72f-1ffa8abfb89d" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramAxis_f5274083-417c-4b0d-9231-dfda79dd8216" xlink:to="loc_srt_ShareRepurchaseProgramDomain_5903f9f6-2962-4951-a72f-1ffa8abfb89d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2022ShareRepurchaseProgramMember_9af5d7f5-6a70-4b44-bab1-83f66ce7a2f3" xlink:href="slm-20241231.xsd#slm_A2022ShareRepurchaseProgramMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramDomain_5903f9f6-2962-4951-a72f-1ffa8abfb89d" xlink:to="loc_slm_A2022ShareRepurchaseProgramMember_9af5d7f5-6a70-4b44-bab1-83f66ce7a2f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_031bdc38-ce08-45bc-961d-2dabae265885" xlink:to="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_7fb79f01-fb8c-4ac7-aa5f-321885962337" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_7fb79f01-fb8c-4ac7-aa5f-321885962337" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts_0385fac1-193c-4f29-9da7-d0bbb7439064" xlink:href="slm-20241231.xsd#slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts_0385fac1-193c-4f29-9da7-d0bbb7439064" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_0688f7c7-9da6-4cf2-90b2-7be6a221d90e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_0688f7c7-9da6-4cf2-90b2-7be6a221d90e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_7a849854-c72c-48f9-adc1-bc6ecc1305da" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_7a849854-c72c-48f9-adc1-bc6ecc1305da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_0551f782-9394-4a52-a0a1-d4ea7448ec5c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_0551f782-9394-4a52-a0a1-d4ea7448ec5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_eea0f400-d348-461f-9632-a0acd45da818" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_b658ae2b-9915-4cbe-a2b3-207e3c5fae36" xlink:to="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_eea0f400-d348-461f-9632-a0acd45da818" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_43da53ad-5641-4a50-8aaa-2e6f69ceae7e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockSharesAcquired"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/EarningsPerCommonShareDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#EarningsPerCommonShareDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/EarningsPerCommonShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_13ba2c17-09ab-4991-a196-9fd4de90e4d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NumeratorAbstract_4f64302b-ab01-43a5-a534-eee3d2de8263" xlink:href="slm-20241231.xsd#slm_NumeratorAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_13ba2c17-09ab-4991-a196-9fd4de90e4d6" xlink:to="loc_slm_NumeratorAbstract_4f64302b-ab01-43a5-a534-eee3d2de8263" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_efc92f2c-a0b6-4fd6-b561-e3c9ceb63683" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_NumeratorAbstract_4f64302b-ab01-43a5-a534-eee3d2de8263" xlink:to="loc_us-gaap_NetIncomeLoss_efc92f2c-a0b6-4fd6-b561-e3c9ceb63683" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_d6385977-5127-4ce7-afb8-ebcc21bd8a8b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_NumeratorAbstract_4f64302b-ab01-43a5-a534-eee3d2de8263" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_d6385977-5127-4ce7-afb8-ebcc21bd8a8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_a8491052-ce1b-4cb8-bb90-0a9b206cf575" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_NumeratorAbstract_4f64302b-ab01-43a5-a534-eee3d2de8263" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_a8491052-ce1b-4cb8-bb90-0a9b206cf575" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_18c0e2c9-e590-4167-bb9f-73be085d3048" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_NumeratorAbstract_4f64302b-ab01-43a5-a534-eee3d2de8263" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_18c0e2c9-e590-4167-bb9f-73be085d3048" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DenominatorAbstract_921f83a9-9ea8-4014-97f5-d7f238ea75bf" xlink:href="slm-20241231.xsd#slm_DenominatorAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_13ba2c17-09ab-4991-a196-9fd4de90e4d6" xlink:to="loc_slm_DenominatorAbstract_921f83a9-9ea8-4014-97f5-d7f238ea75bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_a7eb7a03-890b-468d-9ee8-ebbe226b4934" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_slm_DenominatorAbstract_921f83a9-9ea8-4014-97f5-d7f238ea75bf" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_a7eb7a03-890b-468d-9ee8-ebbe226b4934" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DilutiveSecuritiesAbstract_307c6104-16e1-43fa-ba31-38133266fc18" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DilutiveSecuritiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_13ba2c17-09ab-4991-a196-9fd4de90e4d6" xlink:to="loc_us-gaap_DilutiveSecuritiesAbstract_307c6104-16e1-43fa-ba31-38133266fc18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_678a922f-beff-47da-8319-852153c1ca4b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DilutiveSecuritiesAbstract_307c6104-16e1-43fa-ba31-38133266fc18" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_678a922f-beff-47da-8319-852153c1ca4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_cbc9b2cf-04da-4483-ba07-171162cead5d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_13ba2c17-09ab-4991-a196-9fd4de90e4d6" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_cbc9b2cf-04da-4483-ba07-171162cead5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_54daad8c-0961-4eb7-b652-32c68faafb6f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_13ba2c17-09ab-4991-a196-9fd4de90e4d6" xlink:to="loc_us-gaap_EarningsPerShareBasic_54daad8c-0961-4eb7-b652-32c68faafb6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_8d4d330f-19df-4b36-8034-cc8b2e6df5fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_13ba2c17-09ab-4991-a196-9fd4de90e4d6" xlink:to="loc_us-gaap_EarningsPerShareDiluted_8d4d330f-19df-4b36-8034-cc8b2e6df5fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_27a28d9a-8aa4-4c56-b3e2-2f60bcf59cba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_13ba2c17-09ab-4991-a196-9fd4de90e4d6" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_27a28d9a-8aa4-4c56-b3e2-2f60bcf59cba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockBasedCompensationPlansandArrangementsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_96ccd2b7-1d00-4aa0-8d69-644cf4bf665f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_73ad00d1-8cbd-4573-9b7f-35877e40383f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_96ccd2b7-1d00-4aa0-8d69-644cf4bf665f" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_73ad00d1-8cbd-4573-9b7f-35877e40383f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis_8e23a63e-faae-484c-87f8-5168beadf063" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PlanNameAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_73ad00d1-8cbd-4573-9b7f-35877e40383f" xlink:to="loc_us-gaap_PlanNameAxis_8e23a63e-faae-484c-87f8-5168beadf063" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_d565c78e-43be-4323-8432-43f958bee7de" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameAxis_8e23a63e-faae-484c-87f8-5168beadf063" xlink:to="loc_us-gaap_PlanNameDomain_d565c78e-43be-4323-8432-43f958bee7de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_A2021OmnibusIncentivePlanMember_ddfaf323-f108-4cf5-8aee-f1fe8db4877b" xlink:href="slm-20241231.xsd#slm_A2021OmnibusIncentivePlanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameDomain_d565c78e-43be-4323-8432-43f958bee7de" xlink:to="loc_slm_A2021OmnibusIncentivePlanMember_ddfaf323-f108-4cf5-8aee-f1fe8db4877b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_db35739c-ba83-48b3-b50e-312e60ca6dc6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_73ad00d1-8cbd-4573-9b7f-35877e40383f" xlink:to="loc_us-gaap_AwardTypeAxis_db35739c-ba83-48b3-b50e-312e60ca6dc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_56359b68-6087-4b92-889d-d8ed8b45537c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_db35739c-ba83-48b3-b50e-312e60ca6dc6" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_56359b68-6087-4b92-889d-d8ed8b45537c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_EmployeeStockPurchasePlanMember_75660634-457c-406e-b633-55aa5c867a28" xlink:href="slm-20241231.xsd#slm_EmployeeStockPurchasePlanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_56359b68-6087-4b92-889d-d8ed8b45537c" xlink:to="loc_slm_EmployeeStockPurchasePlanMember_75660634-457c-406e-b633-55aa5c867a28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PerformanceVestingStockOptionsMember_12eb6331-453b-4159-ab7f-54cb92379015" xlink:href="slm-20241231.xsd#slm_PerformanceVestingStockOptionsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_56359b68-6087-4b92-889d-d8ed8b45537c" xlink:to="loc_slm_PerformanceVestingStockOptionsMember_12eb6331-453b-4159-ab7f-54cb92379015" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_3ef7a571-1227-4713-a3ba-d58263bee600" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_56359b68-6087-4b92-889d-d8ed8b45537c" xlink:to="loc_us-gaap_RestrictedStockMember_3ef7a571-1227-4713-a3ba-d58263bee600" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_16509d3f-ba32-40a5-9a29-9c822962ae85" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_56359b68-6087-4b92-889d-d8ed8b45537c" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_16509d3f-ba32-40a5-9a29-9c822962ae85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_73ad00d1-8cbd-4573-9b7f-35877e40383f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NumberofCompensationPlans_628cfe08-715b-4a6e-828e-3b7893e71231" xlink:href="slm-20241231.xsd#slm_NumberofCompensationPlans"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_slm_NumberofCompensationPlans_628cfe08-715b-4a6e-828e-3b7893e71231" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_9d394f46-24b8-478b-be57-9a824aa0bb09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_9d394f46-24b8-478b-be57-9a824aa0bb09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_4b635b77-6200-4416-9b74-31de1fbb3773" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensation"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensation_4b635b77-6200-4416-9b74-31de1fbb3773" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_44fe6a69-0e6c-499a-bd21-1dc1151a1359" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_44fe6a69-0e6c-499a-bd21-1dc1151a1359" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_a90b4ad8-e7f2-4f00-a7f9-a46531d66589" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_a90b4ad8-e7f2-4f00-a7f9-a46531d66589" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_b4d0dfda-632e-4bc8-94de-00c4eabd98c8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_b4d0dfda-632e-4bc8-94de-00c4eabd98c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent_4d1df6af-d69f-49e5-ac45-4b67554e6e97" xlink:href="slm-20241231.xsd#slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent_4d1df6af-d69f-49e5-ac45-4b67554e6e97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_f1b8e057-1574-49ca-ba1f-3ae30f9791a4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_f1b8e057-1574-49ca-ba1f-3ae30f9791a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_995adccc-3d58-43a2-9d0f-bd77704798d7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_995adccc-3d58-43a2-9d0f-bd77704798d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod_39c642b5-3e55-4d84-a008-4f876c6c825c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod_39c642b5-3e55-4d84-a008-4f876c6c825c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OfferingPeriodOfEmployeeStockPurchasePlan_ee8dbdbe-0214-4bf1-96b9-4d9770fc4711" xlink:href="slm-20241231.xsd#slm_OfferingPeriodOfEmployeeStockPurchasePlan"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_slm_OfferingPeriodOfEmployeeStockPurchasePlan_ee8dbdbe-0214-4bf1-96b9-4d9770fc4711" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate_3f46db45-c93c-4fb3-adc4-740bd1210395" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate_3f46db45-c93c-4fb3-adc4-740bd1210395" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_MaximumContributionAmountPerEmployeeToEspp_f44d7d8f-a9a3-4780-9579-0ea70299b4c7" xlink:href="slm-20241231.xsd#slm_MaximumContributionAmountPerEmployeeToEspp"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_slm_MaximumContributionAmountPerEmployeeToEspp_f44d7d8f-a9a3-4780-9579-0ea70299b4c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_1254d658-506f-47d4-a1b5-aea4c659c981" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_1254d658-506f-47d4-a1b5-aea4c659c981" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward_f7756ddf-9d72-4130-9eab-8cca857743a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_5362694a-e006-4d85-a89c-7c05bba0f8db" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward_f7756ddf-9d72-4130-9eab-8cca857743a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_258e80d4-f586-4779-a609-b93cdb8ec83d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7a02fd71-dcce-4348-bbd0-a34c03de56e0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_258e80d4-f586-4779-a609-b93cdb8ec83d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7a02fd71-dcce-4348-bbd0-a34c03de56e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_2801a397-dc7e-4456-ac67-3829748dac14" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7a02fd71-dcce-4348-bbd0-a34c03de56e0" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_2801a397-dc7e-4456-ac67-3829748dac14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_485f3b43-73a0-42b8-b9e1-faabd3a65a5f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7a02fd71-dcce-4348-bbd0-a34c03de56e0" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_485f3b43-73a0-42b8-b9e1-faabd3a65a5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_bf8c1970-43c9-4ff3-b1a4-64e003c38de9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7a02fd71-dcce-4348-bbd0-a34c03de56e0" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_bf8c1970-43c9-4ff3-b1a4-64e003c38de9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_dddef472-b162-4596-ac51-d25856a22664" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7a02fd71-dcce-4348-bbd0-a34c03de56e0" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_dddef472-b162-4596-ac51-d25856a22664" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_0f76d8ab-7410-498e-a2e5-6a43d7ebfd63" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7a02fd71-dcce-4348-bbd0-a34c03de56e0" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_0f76d8ab-7410-498e-a2e5-6a43d7ebfd63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_5ce1bdb1-4d96-4350-8028-9ae0143a36d2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_258e80d4-f586-4779-a609-b93cdb8ec83d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_5ce1bdb1-4d96-4350-8028-9ae0143a36d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_4180c909-42f5-4b11-8978-e06eac47918e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_258e80d4-f586-4779-a609-b93cdb8ec83d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_4180c909-42f5-4b11-8978-e06eac47918e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_dee12fe7-75f2-402c-a31e-470bc6f660c9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_4180c909-42f5-4b11-8978-e06eac47918e" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_dee12fe7-75f2-402c-a31e-470bc6f660c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_08eaf13f-867b-4a3b-9eed-7f3b28d4810f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_4180c909-42f5-4b11-8978-e06eac47918e" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_08eaf13f-867b-4a3b-9eed-7f3b28d4810f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_69ff6a35-455b-4129-a704-06765263a9f8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_4180c909-42f5-4b11-8978-e06eac47918e" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_69ff6a35-455b-4129-a704-06765263a9f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_5d386bb8-39e5-485d-bf34-45022b60a605" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_4180c909-42f5-4b11-8978-e06eac47918e" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_5d386bb8-39e5-485d-bf34-45022b60a605" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_aff5ebf1-bb32-4a65-b1f2-02dd841f26fd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_4180c909-42f5-4b11-8978-e06eac47918e" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_aff5ebf1-bb32-4a65-b1f2-02dd841f26fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_a1891ef1-e6da-4f7e-bc18-5e0aa26abdc6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_258e80d4-f586-4779-a609-b93cdb8ec83d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_a1891ef1-e6da-4f7e-bc18-5e0aa26abdc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract_68a794f4-224d-4ec9-ade0-1a713a83562b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_258e80d4-f586-4779-a609-b93cdb8ec83d" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract_68a794f4-224d-4ec9-ade0-1a713a83562b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_c286b005-7f48-41ee-b9da-e19a75ed4cd7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract_68a794f4-224d-4ec9-ade0-1a713a83562b" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_c286b005-7f48-41ee-b9da-e19a75ed4cd7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_6f0eba15-f496-4163-9c10-995742bd15f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract_68a794f4-224d-4ec9-ade0-1a713a83562b" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_6f0eba15-f496-4163-9c10-995742bd15f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_fb5c87ad-4b02-4083-b596-1f56e19666e0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_258e80d4-f586-4779-a609-b93cdb8ec83d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_fb5c87ad-4b02-4083-b596-1f56e19666e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_4f47e626-b70e-420f-b89c-c62e17d8ea8e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_fb5c87ad-4b02-4083-b596-1f56e19666e0" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_4f47e626-b70e-420f-b89c-c62e17d8ea8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_b6cc0bf1-3696-452c-9699-12db12638551" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_fb5c87ad-4b02-4083-b596-1f56e19666e0" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_b6cc0bf1-3696-452c-9699-12db12638551" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_cd7a13db-7e16-477a-8db2-8449f8951dac" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_258e80d4-f586-4779-a609-b93cdb8ec83d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_cd7a13db-7e16-477a-8db2-8449f8951dac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised_a9a91de2-c3c5-45a9-8f06-e462984f1d8d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromStockOptionsExercised"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_258e80d4-f586-4779-a609-b93cdb8ec83d" xlink:to="loc_us-gaap_ProceedsFromStockOptionsExercised_a9a91de2-c3c5-45a9-8f06-e462984f1d8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions_2081eeff-072b-4a7b-9e75-7d00a6eaa393" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_258e80d4-f586-4779-a609-b93cdb8ec83d" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions_2081eeff-072b-4a7b-9e75-7d00a6eaa393" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_c7cdd899-d698-40fe-a43f-d7166442aaa7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_c920b880-8756-4539-8b67-b177264b3e4e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_c7cdd899-d698-40fe-a43f-d7166442aaa7" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_c920b880-8756-4539-8b67-b177264b3e4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_3f400cf1-196b-4f82-85d0-19613d8d10d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_c920b880-8756-4539-8b67-b177264b3e4e" xlink:to="loc_us-gaap_AwardTypeAxis_3f400cf1-196b-4f82-85d0-19613d8d10d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_9d012124-659e-43ae-9934-73c9d3f13a15" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_3f400cf1-196b-4f82-85d0-19613d8d10d6" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_9d012124-659e-43ae-9934-73c9d3f13a15" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_0b2dcf50-0b2b-4f84-a82d-439ce0469b83" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_9d012124-659e-43ae-9934-73c9d3f13a15" xlink:to="loc_us-gaap_RestrictedStockMember_0b2dcf50-0b2b-4f84-a82d-439ce0469b83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember_c1ffbc7c-1c9d-4167-9323-85f131686c95" xlink:href="slm-20241231.xsd#slm_RestrictedStockUnitsAndPerformanceStockUnitsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_9d012124-659e-43ae-9934-73c9d3f13a15" xlink:to="loc_slm_RestrictedStockUnitsAndPerformanceStockUnitsMember_c1ffbc7c-1c9d-4167-9323-85f131686c95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_c920b880-8756-4539-8b67-b177264b3e4e" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_99854e9a-96f3-4a33-944f-9e67c08cede0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_99854e9a-96f3-4a33-944f-9e67c08cede0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_4edcc6ee-0b14-48c1-8563-184e5f2ab772" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_4edcc6ee-0b14-48c1-8563-184e5f2ab772" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_c756d5e5-5dd1-449d-938c-6bf239893499" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_c756d5e5-5dd1-449d-938c-6bf239893499" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_19f68d20-911e-4ab8-9705-51ecfc7def26" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_19f68d20-911e-4ab8-9705-51ecfc7def26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_1fd0585e-570a-40de-8c80-41c65285fb31" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_a9cbbcb8-26ae-4a0f-8787-4184c3dcafbe" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_1fd0585e-570a-40de-8c80-41c65285fb31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_5332a113-70a4-4ca8-a43b-5f4f06565a6a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_5332a113-70a4-4ca8-a43b-5f4f06565a6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_d587727c-d9a7-41dc-8111-db91b8be9332" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_d587727c-d9a7-41dc-8111-db91b8be9332" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_e5c03ccc-4eb5-4fdf-91ca-82d0cb94bfe1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_e5c03ccc-4eb5-4fdf-91ca-82d0cb94bfe1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue_cdcbf778-a9eb-4598-913f-1cb38b01aa1d" xlink:href="slm-20241231.xsd#slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:to="loc_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue_cdcbf778-a9eb-4598-913f-1cb38b01aa1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_4cdf6197-fac4-4434-8da1-5a0e3ce38227" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_068144cc-e681-4be0-a923-c117d8bff8d9" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_4cdf6197-fac4-4434-8da1-5a0e3ce38227" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue_ac469343-6aea-402f-b051-552f6c9be00d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue_ac469343-6aea-402f-b051-552f6c9be00d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock_7bd34404-d624-4f72-95cd-65896844b342" xlink:href="slm-20241231.xsd#slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock_7bd34404-d624-4f72-95cd-65896844b342" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_80ccb736-87d2-4136-8ef4-5cf7df779664" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_80ccb736-87d2-4136-8ef4-5cf7df779664" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_1a4273be-c570-413e-962b-7589719cb29e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a4d97d48-567a-4c0d-9c85-b453973e01f7" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_1a4273be-c570-413e-962b-7589719cb29e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_9eb4872f-14b7-4c27-acb5-6526363fd2b5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d6ebe6eb-6cb9-42d8-b077-38d95ef9ca70" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_9eb4872f-14b7-4c27-acb5-6526363fd2b5" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d6ebe6eb-6cb9-42d8-b077-38d95ef9ca70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_0b8bdcb5-9335-4353-9f1f-7d4028199cee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d6ebe6eb-6cb9-42d8-b077-38d95ef9ca70" xlink:to="loc_us-gaap_AwardTypeAxis_0b8bdcb5-9335-4353-9f1f-7d4028199cee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_cd7935bb-5da1-43ee-b1a5-5e7615fb2a64" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_0b8bdcb5-9335-4353-9f1f-7d4028199cee" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_cd7935bb-5da1-43ee-b1a5-5e7615fb2a64" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_EmployeeStockPurchasePlanMember_57bb76c1-0dc4-4e30-b2ff-48997bee00c2" xlink:href="slm-20241231.xsd#slm_EmployeeStockPurchasePlanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_cd7935bb-5da1-43ee-b1a5-5e7615fb2a64" xlink:to="loc_slm_EmployeeStockPurchasePlanMember_57bb76c1-0dc4-4e30-b2ff-48997bee00c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d6ebe6eb-6cb9-42d8-b077-38d95ef9ca70" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_50a7dee0-da3c-4169-b8f2-cae1bbbadb18" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_50a7dee0-da3c-4169-b8f2-cae1bbbadb18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_3f4ab671-3da2-4965-91c4-4054bb586614" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_3f4ab671-3da2-4965-91c4-4054bb586614" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_6388a986-9fda-4326-af1b-f9eb6806948e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_6388a986-9fda-4326-af1b-f9eb6806948e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_59f54dad-ae12-4a36-a571-7e78c4e1f535" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_59f54dad-ae12-4a36-a571-7e78c4e1f535" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_744af47b-8a4a-4188-ace3-228800082625" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_36f9b001-69b1-4b72-949f-6bee9a6a462a" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_744af47b-8a4a-4188-ace3-228800082625" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_a5b77488-80db-48bc-bf8a-b028628d5ff6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_ee792b67-0ff6-4007-8c8a-e92953e3a199" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_a5b77488-80db-48bc-bf8a-b028628d5ff6" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_ee792b67-0ff6-4007-8c8a-e92953e3a199" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_cd6cca28-6972-4414-af8d-34727e96d4e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_ee792b67-0ff6-4007-8c8a-e92953e3a199" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_cd6cca28-6972-4414-af8d-34727e96d4e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_35582bbf-91a4-4688-a77c-7c8541d2ea48" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_cd6cca28-6972-4414-af8d-34727e96d4e2" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_35582bbf-91a4-4688-a77c-7c8541d2ea48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_75514bfc-4452-4a67-b426-0dbe39d622a4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_35582bbf-91a4-4688-a77c-7c8541d2ea48" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_75514bfc-4452-4a67-b426-0dbe39d622a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f450bdbe-97ef-4a62-b0da-585c0e36209d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_ee792b67-0ff6-4007-8c8a-e92953e3a199" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f450bdbe-97ef-4a62-b0da-585c0e36209d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_90d00059-27e7-40be-b858-48799125af72" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f450bdbe-97ef-4a62-b0da-585c0e36209d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_90d00059-27e7-40be-b858-48799125af72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_8bddc3df-75f4-4e00-8f40-04a71913e08c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_90d00059-27e7-40be-b858-48799125af72" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_8bddc3df-75f4-4e00-8f40-04a71913e08c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_2ce83cf3-d0c5-4ad0-bd97-0e0da697276c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_90d00059-27e7-40be-b858-48799125af72" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_2ce83cf3-d0c5-4ad0-bd97-0e0da697276c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_bc35c2e8-0208-418b-a917-b423e9b3e6a7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_90d00059-27e7-40be-b858-48799125af72" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_bc35c2e8-0208-418b-a917-b423e9b3e6a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_0061f799-44ed-4d0a-8144-5173e1ad50fc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_ee792b67-0ff6-4007-8c8a-e92953e3a199" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_0061f799-44ed-4d0a-8144-5173e1ad50fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_0061f799-44ed-4d0a-8144-5173e1ad50fc" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_febf114a-00c2-4cb1-85ff-516463b03e5b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:to="loc_us-gaap_TradingSecuritiesDebt_febf114a-00c2-4cb1-85ff-516463b03e5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_0431ad47-5e03-4333-9ec9-b569af893d61" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_0431ad47-5e03-4333-9ec9-b569af893d61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_4ace653d-b6ad-47a2-a7ab-76a237df976a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:to="loc_us-gaap_DerivativeAssets_4ace653d-b6ad-47a2-a7ab-76a237df976a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_a24a290b-e9d2-42cd-ab85-936f50e241aa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:to="loc_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_a24a290b-e9d2-42cd-ab85-936f50e241aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_cda0a876-beca-44f0-8d73-9847abd84ef8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_eeb8f68d-ed0e-468b-b888-a5ec82e2effa" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_cda0a876-beca-44f0-8d73-9847abd84ef8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_4d1fc43e-afab-4b31-8449-28e4ca5cc67c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_0061f799-44ed-4d0a-8144-5173e1ad50fc" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_4d1fc43e-afab-4b31-8449-28e4ca5cc67c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_b3b65fac-11a4-4a52-a38e-14b5bb87f3b6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_4d1fc43e-afab-4b31-8449-28e4ca5cc67c" xlink:to="loc_us-gaap_DerivativeLiabilities_b3b65fac-11a4-4a52-a38e-14b5bb87f3b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_f104c4da-b4de-4cce-87c3-8c9078aa90e8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_4d1fc43e-afab-4b31-8449-28e4ca5cc67c" xlink:to="loc_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_f104c4da-b4de-4cce-87c3-8c9078aa90e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_22319df2-341c-4f47-be4b-dd3e6bb0a4b2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_aa5b3657-fcb6-43bb-8b51-3e62f2bf125d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_22319df2-341c-4f47-be4b-dd3e6bb0a4b2" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_aa5b3657-fcb6-43bb-8b51-3e62f2bf125d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_4f7f4dc0-f0ac-4f08-9fb9-dde8a0ea7bf1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_aa5b3657-fcb6-43bb-8b51-3e62f2bf125d" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_4f7f4dc0-f0ac-4f08-9fb9-dde8a0ea7bf1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_aab11440-453e-4229-9254-bf40f685485f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_4f7f4dc0-f0ac-4f08-9fb9-dde8a0ea7bf1" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_aab11440-453e-4229-9254-bf40f685485f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_53c4f178-3c5f-41fd-9fce-39253f50d2f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_aab11440-453e-4229-9254-bf40f685485f" xlink:to="loc_us-gaap_DebtSecuritiesMember_53c4f178-3c5f-41fd-9fce-39253f50d2f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedInterestMember_12c37642-4479-4300-bed7-f2966cafe2ae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedInterestMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_aab11440-453e-4229-9254-bf40f685485f" xlink:to="loc_us-gaap_RetainedInterestMember_12c37642-4479-4300-bed7-f2966cafe2ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_a4ad7a01-196a-4f48-a0c0-df37653c8995" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_aa5b3657-fcb6-43bb-8b51-3e62f2bf125d" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_a4ad7a01-196a-4f48-a0c0-df37653c8995" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_1cb654e0-a093-4816-811a-91047d4ad8bd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_a4ad7a01-196a-4f48-a0c0-df37653c8995" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_1cb654e0-a093-4816-811a-91047d4ad8bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeMember_2ebee772-ad9a-43d4-ac2c-51f55cd415fd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_1cb654e0-a093-4816-811a-91047d4ad8bd" xlink:to="loc_us-gaap_InterestIncomeMember_2ebee772-ad9a-43d4-ac2c-51f55cd415fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnInvestmentsMember1_520c8eb9-860f-4b7b-ab45-6df1abe05091" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainLossOnInvestmentsMember1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_1cb654e0-a093-4816-811a-91047d4ad8bd" xlink:to="loc_us-gaap_GainLossOnInvestmentsMember1_520c8eb9-860f-4b7b-ab45-6df1abe05091" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_aa5b3657-fcb6-43bb-8b51-3e62f2bf125d" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_ac38a314-edff-415b-b40a-e1afdcf88310" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_ac38a314-edff-415b-b40a-e1afdcf88310" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_01a0cf46-36bc-4b3b-946e-e322c7b64fad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_01a0cf46-36bc-4b3b-946e-e322c7b64fad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_f83eb971-7c47-4917-af40-3b3a781ed45b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_f83eb971-7c47-4917-af40-3b3a781ed45b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_0ecb74f2-d1e8-47e0-b0ad-472a0e1b5d24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_0ecb74f2-d1e8-47e0-b0ad-472a0e1b5d24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_d6142cc1-d57f-4750-83a4-728b886bbfc8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_d6142cc1-d57f-4750-83a4-728b886bbfc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_4ac08ea0-d1d9-4f41-9fd4-d38b3d436bad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_4ac08ea0-d1d9-4f41-9fd4-d38b3d436bad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_523ced65-9b46-4698-b2a1-4123204153bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ac7835f5-3b71-4b8d-a2c8-83079eee13c2" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_523ced65-9b46-4698-b2a1-4123204153bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci_2c00628b-1c39-4979-853f-05a35e8c5113" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci_2c00628b-1c39-4979-853f-05a35e8c5113" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_ca2ff571-e666-42ad-815c-251335f085a6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_ca2ff571-e666-42ad-815c-251335f085a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList_23df94c1-501d-4e87-9e5e-cfc75ea45239" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList_23df94c1-501d-4e87-9e5e-cfc75ea45239" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList_b2a59128-ad8f-4985-994e-29c18dc9c602" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList_b2a59128-ad8f-4985-994e-29c18dc9c602" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList_f6dd6756-54c8-4c80-95b9-391efa4d6a9e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_a9846387-5b0c-4112-9831-e7bd2690b836" xlink:to="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList_f6dd6756-54c8-4c80-95b9-391efa4d6a9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_01da1a42-7876-4e4d-965a-8cfdd4a75d24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_01da1a42-7876-4e4d-965a-8cfdd4a75d24" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_8caccaa0-6828-47dd-b00c-bdf2e895065f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_8caccaa0-6828-47dd-b00c-bdf2e895065f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_7aefb65b-5022-4951-8ffa-6e3c4576a613" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_8caccaa0-6828-47dd-b00c-bdf2e895065f" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_7aefb65b-5022-4951-8ffa-6e3c4576a613" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_669c7b51-dd7b-419b-ac6d-3ea2a7bb3553" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_7aefb65b-5022-4951-8ffa-6e3c4576a613" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_669c7b51-dd7b-419b-ac6d-3ea2a7bb3553" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis_db1a62ba-1bcd-4ff3-9cfa-c7585efb5d42" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:to="loc_us-gaap_ValuationTechniqueAxis_db1a62ba-1bcd-4ff3-9cfa-c7585efb5d42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_d10ba6c3-ce56-43f4-ad84-83a682973091" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueAxis_db1a62ba-1bcd-4ff3-9cfa-c7585efb5d42" xlink:to="loc_us-gaap_ValuationTechniqueDomain_d10ba6c3-ce56-43f4-ad84-83a682973091" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_aa0518f9-54d5-4a99-b9aa-35b99d7c76d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueDiscountedCashFlowMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_d10ba6c3-ce56-43f4-ad84-83a682973091" xlink:to="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_aa0518f9-54d5-4a99-b9aa-35b99d7c76d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_0ac23d12-089f-4c4c-9e32-16da9bd021d8" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:to="loc_srt_RangeAxis_0ac23d12-089f-4c4c-9e32-16da9bd021d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_efb11585-6bed-4fb6-8979-725c78553758" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_0ac23d12-089f-4c4c-9e32-16da9bd021d8" xlink:to="loc_srt_RangeMember_efb11585-6bed-4fb6-8979-725c78553758" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_219e37f5-599f-4655-bc95-71b4bfebc865" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_efb11585-6bed-4fb6-8979-725c78553758" xlink:to="loc_srt_MinimumMember_219e37f5-599f-4655-bc95-71b4bfebc865" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_2bd3f1ba-8bf4-4422-a047-590b84408304" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_efb11585-6bed-4fb6-8979-725c78553758" xlink:to="loc_srt_MaximumMember_2bd3f1ba-8bf4-4422-a047-590b84408304" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_820bfa7c-9c89-476f-a173-ed1b532a1bd0" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_efb11585-6bed-4fb6-8979-725c78553758" xlink:to="loc_srt_WeightedAverageMember_820bfa7c-9c89-476f-a173-ed1b532a1bd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_ff08e434-da91-4125-856b-0764b3ffe533" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_ff08e434-da91-4125-856b-0764b3ffe533" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_e03ea458-e849-4cfd-bae2-3419d0911a62" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_ff08e434-da91-4125-856b-0764b3ffe533" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_e03ea458-e849-4cfd-bae2-3419d0911a62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputPrepaymentRateMember_a0277495-562d-4645-a4e6-7364a8a31cee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputPrepaymentRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_e03ea458-e849-4cfd-bae2-3419d0911a62" xlink:to="loc_us-gaap_MeasurementInputPrepaymentRateMember_a0277495-562d-4645-a4e6-7364a8a31cee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDefaultRateMember_17178598-dc4e-4497-a19e-9e5631d8f0f6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputDefaultRateMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_e03ea458-e849-4cfd-bae2-3419d0911a62" xlink:to="loc_us-gaap_MeasurementInputDefaultRateMember_17178598-dc4e-4497-a19e-9e5631d8f0f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_65501685-0813-4868-a2f0-4f8c2b0daaff" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_55b56f1b-42f8-440b-bbe5-c87da1ff604a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_55b56f1b-42f8-440b-bbe5-c87da1ff604a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_520e5ebd-06d8-4c64-9a0d-d022e4ab8888" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:to="loc_us-gaap_TradingSecuritiesDebt_520e5ebd-06d8-4c64-9a0d-d022e4ab8888" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_432c05f5-da07-4fc9-947d-c4e9109ba85c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_432c05f5-da07-4fc9-947d-c4e9109ba85c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput_74bc876c-8e64-4637-877d-41f635581bc2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput_74bc876c-8e64-4637-877d-41f635581bc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesTradingMeasurementInput_cd7549ed-db60-4920-91b6-9b9d5762a632" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesTradingMeasurementInput"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_b0648086-dc74-4b0d-9b55-34098c30f9cc" xlink:to="loc_us-gaap_DebtSecuritiesTradingMeasurementInput_cd7549ed-db60-4920-91b6-9b9d5762a632" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_f8b16e47-2b7b-43c8-95a9-0204032a999c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1da90b0e-cc39-40a8-9c89-f983443c16c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f8b16e47-2b7b-43c8-95a9-0204032a999c" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1da90b0e-cc39-40a8-9c89-f983443c16c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_9d75a9e0-08ae-4dc0-a62b-bae72d120b2f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1da90b0e-cc39-40a8-9c89-f983443c16c1" xlink:to="loc_us-gaap_FinancialInstrumentAxis_9d75a9e0-08ae-4dc0-a62b-bae72d120b2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2a4fe7a7-3751-487a-9f83-d1d43a46829b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_9d75a9e0-08ae-4dc0-a62b-bae72d120b2f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2a4fe7a7-3751-487a-9f83-d1d43a46829b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_21f8b882-8f22-4b1e-afbf-d1838da4d8cd" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2a4fe7a7-3751-487a-9f83-d1d43a46829b" xlink:to="loc_slm_PrivateEducationLoansMember_21f8b882-8f22-4b1e-afbf-d1838da4d8cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_1576176a-f189-40b0-945f-b1d83d10ba24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2a4fe7a7-3751-487a-9f83-d1d43a46829b" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_1576176a-f189-40b0-945f-b1d83d10ba24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_d19e9b05-ae04-4cad-a363-d4a3913ce37c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1da90b0e-cc39-40a8-9c89-f983443c16c1" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_d19e9b05-ae04-4cad-a363-d4a3913ce37c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_ffdcd780-f1bc-4294-910d-51a3fdbbd0b2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_d19e9b05-ae04-4cad-a363-d4a3913ce37c" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_ffdcd780-f1bc-4294-910d-51a3fdbbd0b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_4fbbb065-e1da-47a2-84be-2d782b9cfd21" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_ffdcd780-f1bc-4294-910d-51a3fdbbd0b2" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_4fbbb065-e1da-47a2-84be-2d782b9cfd21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_99f9e233-6690-4d73-a075-0d7392912633" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_4fbbb065-e1da-47a2-84be-2d782b9cfd21" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_99f9e233-6690-4d73-a075-0d7392912633" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_630c4f0a-4ab4-4e4a-994d-e8a776831518" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_4fbbb065-e1da-47a2-84be-2d782b9cfd21" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_630c4f0a-4ab4-4e4a-994d-e8a776831518" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_e6028900-7b9b-45fe-b868-f1f804850367" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1da90b0e-cc39-40a8-9c89-f983443c16c1" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_e6028900-7b9b-45fe-b868-f1f804850367" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_2ed63154-f784-4f31-96bb-86dc0dc42f76" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_e6028900-7b9b-45fe-b868-f1f804850367" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_2ed63154-f784-4f31-96bb-86dc0dc42f76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_MoneyMarketandSavingsAccountsMember_db3a007e-c089-4ac8-8cde-642185bb426c" xlink:href="slm-20241231.xsd#slm_MoneyMarketandSavingsAccountsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_2ed63154-f784-4f31-96bb-86dc0dc42f76" xlink:to="loc_slm_MoneyMarketandSavingsAccountsMember_db3a007e-c089-4ac8-8cde-642185bb426c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CertificatesOfDepositMember_2e657958-3a7b-4899-89ec-ce6fd94613c9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CertificatesOfDepositMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_2ed63154-f784-4f31-96bb-86dc0dc42f76" xlink:to="loc_us-gaap_CertificatesOfDepositMember_2e657958-3a7b-4899-89ec-ce6fd94613c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_0972e4a4-576a-4cf4-8e21-6bf4c8547851" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1da90b0e-cc39-40a8-9c89-f983443c16c1" xlink:to="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_0972e4a4-576a-4cf4-8e21-6bf4c8547851" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_0972e4a4-576a-4cf4-8e21-6bf4c8547851" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_3ac54b2a-28db-4148-a316-6f8440a7e523" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_3ac54b2a-28db-4148-a316-6f8440a7e523" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_fde4bb28-f960-4a54-a06e-e96cecaa49fb" xlink:href="slm-20241231.xsd#slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_fde4bb28-f960-4a54-a06e-e96cecaa49fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_490ac800-afe0-48e4-94b9-3ac879836988" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_490ac800-afe0-48e4-94b9-3ac879836988" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_3823dcf6-e90a-494b-a0d6-615c128461cc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_us-gaap_TradingSecuritiesDebt_3823dcf6-e90a-494b-a0d6-615c128461cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsFairValueDisclosure_de397419-1fe8-4537-b24a-4da75fdaf96f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsFairValueDisclosure"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_us-gaap_InvestmentsFairValueDisclosure_de397419-1fe8-4537-b24a-4da75fdaf96f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableFairValueDisclosure_79b683f9-37e1-4ca5-bdcb-ab88e32db532" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableFairValueDisclosure"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_slm_AccruedInterestReceivableFairValueDisclosure_79b683f9-37e1-4ca5-bdcb-ab88e32db532" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AccruedInterestReceivableFairValueDisclosureDifference_578f262f-2943-4f18-997f-2140977733e2" xlink:href="slm-20241231.xsd#slm_AccruedInterestReceivableFairValueDisclosureDifference"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_slm_AccruedInterestReceivableFairValueDisclosureDifference_578f262f-2943-4f18-997f-2140977733e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_3a1a5a2a-99e5-4054-82b1-3ca2f7eec2a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_us-gaap_DerivativeAssets_3a1a5a2a-99e5-4054-82b1-3ca2f7eec2a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_ae1b296e-c370-41da-b920-dc09a5fc3ec5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_ae1b296e-c370-41da-b920-dc09a5fc3ec5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_8c7534ce-ce18-4786-9a35-8896d9c8b09d" xlink:href="slm-20241231.xsd#slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_97e0b33a-fe77-4d3c-94ad-abed67d3f6cb" xlink:to="loc_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_8c7534ce-ce18-4786-9a35-8896d9c8b09d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_0972e4a4-576a-4cf4-8e21-6bf4c8547851" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsFairValueDisclosure_d9a19617-b6fb-4a3b-a5ec-630ffe8b98b2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositsFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_us-gaap_DepositsFairValueDisclosure_d9a19617-b6fb-4a3b-a5ec-630ffe8b98b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_08526542-81b4-4c61-b0da-f98bae15a955" xlink:href="slm-20241231.xsd#slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue_08526542-81b4-4c61-b0da-f98bae15a955" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue_44193eb8-6290-4a9f-bf9e-a0c69840cd5d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_us-gaap_LongTermDebtFairValue_44193eb8-6290-4a9f-bf9e-a0c69840cd5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue_3394d003-f017-4fc4-a240-00a9f433bbfc" xlink:href="slm-20241231.xsd#slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue_3394d003-f017-4fc4-a240-00a9f433bbfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesFairValueDisclosure_245b197d-cef8-41b3-8681-201eafdfddbc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedLiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_us-gaap_AccruedLiabilitiesFairValueDisclosure_245b197d-cef8-41b3-8681-201eafdfddbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_80804443-3081-42df-b41b-9689c0fdeaa7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DerivativeLiabilities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_us-gaap_DerivativeLiabilities_80804443-3081-42df-b41b-9689c0fdeaa7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_8eac60fa-814e-4ba0-8de6-6cff407855ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialLiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_8eac60fa-814e-4ba0-8de6-6cff407855ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_7271698f-b714-4609-a5de-77a8e12f3428" xlink:href="slm-20241231.xsd#slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_87e21bc1-3123-4106-a59c-cd532df27c1c" xlink:to="loc_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue_7271698f-b714-4609-a5de-77a8e12f3428" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ExcessOfNetAssetFairValueOverCarryingValue_7792ae90-43fb-4224-9557-dc334468f190" xlink:href="slm-20241231.xsd#slm_ExcessOfNetAssetFairValueOverCarryingValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_0972e4a4-576a-4cf4-8e21-6bf4c8547851" xlink:to="loc_slm_ExcessOfNetAssetFairValueOverCarryingValue_7792ae90-43fb-4224-9557-dc334468f190" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#FairValueMeasurementsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_1ff94f58-d176-457b-9a34-19b0cac6027a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_80e59702-7b1b-445e-a173-678f3a26cc86" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_1ff94f58-d176-457b-9a34-19b0cac6027a" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_80e59702-7b1b-445e-a173-678f3a26cc86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_79ddd320-7802-4f49-b5f8-8bf535963a5b" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_80e59702-7b1b-445e-a173-678f3a26cc86" xlink:to="loc_srt_RangeAxis_79ddd320-7802-4f49-b5f8-8bf535963a5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_1789d747-1cbb-499d-bbfa-bfb14bd5d1df" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_79ddd320-7802-4f49-b5f8-8bf535963a5b" xlink:to="loc_srt_RangeMember_1789d747-1cbb-499d-bbfa-bfb14bd5d1df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_e142e100-8366-4a90-807c-55020a2f9810" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_1789d747-1cbb-499d-bbfa-bfb14bd5d1df" xlink:to="loc_srt_MinimumMember_e142e100-8366-4a90-807c-55020a2f9810" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_f9ea4fb4-863c-4881-802a-beb8fed7edc4" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_1789d747-1cbb-499d-bbfa-bfb14bd5d1df" xlink:to="loc_srt_MaximumMember_f9ea4fb4-863c-4881-802a-beb8fed7edc4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_d42a0e21-39de-4d67-8c84-3f8f1c6445ba" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_1789d747-1cbb-499d-bbfa-bfb14bd5d1df" xlink:to="loc_srt_WeightedAverageMember_d42a0e21-39de-4d67-8c84-3f8f1c6445ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f6c43e89-a3ce-47e5-ac3a-9e3254b64c50" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_80e59702-7b1b-445e-a173-678f3a26cc86" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f6c43e89-a3ce-47e5-ac3a-9e3254b64c50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_4d95de84-af30-4317-b015-66de13d9174f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_f6c43e89-a3ce-47e5-ac3a-9e3254b64c50" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_4d95de84-af30-4317-b015-66de13d9174f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_537527c3-4ae5-4957-abec-8554e6f26b36" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_4d95de84-af30-4317-b015-66de13d9174f" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_537527c3-4ae5-4957-abec-8554e6f26b36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_b309c2dc-de82-4c40-b21d-7f4db465b54a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_80e59702-7b1b-445e-a173-678f3a26cc86" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_b309c2dc-de82-4c40-b21d-7f4db465b54a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_69952ae9-85b4-4c18-9d38-90860ad3cac9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_b309c2dc-de82-4c40-b21d-7f4db465b54a" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_69952ae9-85b4-4c18-9d38-90860ad3cac9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDefaultRateMember_1a7a935b-9e9b-47f6-9ee6-983e0ef30bc5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputDefaultRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_69952ae9-85b4-4c18-9d38-90860ad3cac9" xlink:to="loc_us-gaap_MeasurementInputDefaultRateMember_1a7a935b-9e9b-47f6-9ee6-983e0ef30bc5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d40f13d2-83fb-47ac-95ed-41db80dd59c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_80e59702-7b1b-445e-a173-678f3a26cc86" xlink:to="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d40f13d2-83fb-47ac-95ed-41db80dd59c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_6a5c0120-dc11-47c8-89da-f22a380688c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d40f13d2-83fb-47ac-95ed-41db80dd59c5" xlink:to="loc_us-gaap_TradingSecuritiesDebt_6a5c0120-dc11-47c8-89da-f22a380688c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_VerticalRiskRetentionPercentage_754ba286-7456-4b66-98d8-014e9fd847b2" xlink:href="slm-20241231.xsd#slm_VerticalRiskRetentionPercentage"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d40f13d2-83fb-47ac-95ed-41db80dd59c5" xlink:to="loc_slm_VerticalRiskRetentionPercentage_754ba286-7456-4b66-98d8-014e9fd847b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_f2d1c1da-014a-44e9-98c4-85546b5b16a3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d40f13d2-83fb-47ac-95ed-41db80dd59c5" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_f2d1c1da-014a-44e9-98c4-85546b5b16a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesTradingMeasurementInput_4ab3d8e3-bb43-49fb-b384-364f86cbafb4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesTradingMeasurementInput"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d40f13d2-83fb-47ac-95ed-41db80dd59c5" xlink:to="loc_us-gaap_DebtSecuritiesTradingMeasurementInput_4ab3d8e3-bb43-49fb-b384-364f86cbafb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#RegulatoryCapitalNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_f630e163-9ddd-4a12-ae8e-c431a0577a5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_3c4673f9-b4e6-4be4-894a-de0b888c33ae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_f630e163-9ddd-4a12-ae8e-c431a0577a5e" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_3c4673f9-b4e6-4be4-894a-de0b888c33ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_d0726649-7d67-455a-b2d9-3bb5fd759122" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_3c4673f9-b4e6-4be4-894a-de0b888c33ae" xlink:to="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_d0726649-7d67-455a-b2d9-3bb5fd759122" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TypeOfAdoptionMember_6d9ee31b-dd77-4c19-8fa8-fcac450d5836" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TypeOfAdoptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_d0726649-7d67-455a-b2d9-3bb5fd759122" xlink:to="loc_us-gaap_TypeOfAdoptionMember_6d9ee31b-dd77-4c19-8fa8-fcac450d5836" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingStandardsUpdate201613Member_205c56ee-7199-493c-85b2-210deee4feae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingStandardsUpdate201613Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfAdoptionMember_6d9ee31b-dd77-4c19-8fa8-fcac450d5836" xlink:to="loc_us-gaap_AccountingStandardsUpdate201613Member_205c56ee-7199-493c-85b2-210deee4feae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_3c4673f9-b4e6-4be4-894a-de0b888c33ae" xlink:to="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements_9be495ba-d05e-45ff-ae22-df04a68d10fc" xlink:href="slm-20241231.xsd#slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements_9be495ba-d05e-45ff-ae22-df04a68d10fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred_e398ab45-95d4-4992-9d0a-cdf29a64b770" xlink:href="slm-20241231.xsd#slm_AdoptionOfNewAccountingPronouncementsPercentDeferred"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_slm_AdoptionOfNewAccountingPronouncementsPercentDeferred_e398ab45-95d4-4992-9d0a-cdf29a64b770" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_3a2ac538-d6e6-4421-9147-1a6bfde9747c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_3a2ac538-d6e6-4421-9147-1a6bfde9747c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_35bf2a7f-3a40-4faa-8160-51bf3673471b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_35bf2a7f-3a40-4faa-8160-51bf3673471b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_607910fd-0255-4a63-a4af-01e5f10867e3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_607910fd-0255-4a63-a4af-01e5f10867e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod_20f068ac-e5eb-42ce-a197-3d698fb7f49c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod_20f068ac-e5eb-42ce-a197-3d698fb7f49c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss_8d7c6b0d-bd87-44ce-9210-3d88e8fe848f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss_8d7c6b0d-bd87-44ce-9210-3d88e8fe848f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_c89a51b9-f459-4b83-9daf-68ff93468a06" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_c89a51b9-f459-4b83-9daf-68ff93468a06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Dividends_ac6f959c-ae77-4fa8-a999-ad6de5f9f421" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Dividends"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_bfe384be-80e7-4e1f-85f0-d88f3e3562da" xlink:to="loc_us-gaap_Dividends_ac6f959c-ae77-4fa8-a999-ad6de5f9f421" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#RegulatoryCapitalAdjustedTransitionAmountsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_52eb1d35-1aa4-4366-ab27-4262364a2149" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_729c9fbd-698f-405d-be49-6b8046f31582" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_52eb1d35-1aa4-4366-ab27-4262364a2149" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_729c9fbd-698f-405d-be49-6b8046f31582" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_201398bb-cf8b-41ce-87ff-6ec5e35fa09b" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CumulativeEffectPeriodOfAdoptionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_729c9fbd-698f-405d-be49-6b8046f31582" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_201398bb-cf8b-41ce-87ff-6ec5e35fa09b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_b2fbac51-d6ac-4297-bf04-7b5696bd11a4" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CumulativeEffectPeriodOfAdoptionDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_201398bb-cf8b-41ce-87ff-6ec5e35fa09b" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_b2fbac51-d6ac-4297-bf04-7b5696bd11a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember_3d5b5a66-2598-49d5-ac29-18a1029cafc5" xlink:href="slm-20241231.xsd#slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_b2fbac51-d6ac-4297-bf04-7b5696bd11a4" xlink:to="loc_slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember_3d5b5a66-2598-49d5-ac29-18a1029cafc5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_082c3ff3-6424-462d-bcea-6e089b66ee6a" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_b2fbac51-d6ac-4297-bf04-7b5696bd11a4" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_082c3ff3-6424-462d-bcea-6e089b66ee6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_cca34387-3b65-4004-9bc9-bdc0c5a3b3bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_729c9fbd-698f-405d-be49-6b8046f31582" xlink:to="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_cca34387-3b65-4004-9bc9-bdc0c5a3b3bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_f6ac6e00-25f9-4bb8-b9bc-ecbedf29635c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_cca34387-3b65-4004-9bc9-bdc0c5a3b3bf" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_f6ac6e00-25f9-4bb8-b9bc-ecbedf29635c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_b295700b-202a-4ecc-b12c-ec5a3bf7aa87" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_cca34387-3b65-4004-9bc9-bdc0c5a3b3bf" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_b295700b-202a-4ecc-b12c-ec5a3bf7aa87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_1973ff8f-c8ff-4cd0-a88d-b6af0c6150cf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_cca34387-3b65-4004-9bc9-bdc0c5a3b3bf" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_1973ff8f-c8ff-4cd0-a88d-b6af0c6150cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_96ffa74d-a929-4b7a-bc0b-930c0222aeee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_cca34387-3b65-4004-9bc9-bdc0c5a3b3bf" xlink:to="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_96ffa74d-a929-4b7a-bc0b-930c0222aeee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_210f7f29-dba5-4c6d-bb0e-f8e2c7ef83a2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalAbstract_7ec9cc32-9e2c-47b8-ac2c-fd43a92f9e34" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CapitalAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_210f7f29-dba5-4c6d-bb0e-f8e2c7ef83a2" xlink:to="loc_us-gaap_CapitalAbstract_7ec9cc32-9e2c-47b8-ac2c-fd43a92f9e34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CommonEquityTierOneRiskBasedCapital_25c8a5a1-f071-477e-960a-971022650826" xlink:href="slm-20241231.xsd#slm_CommonEquityTierOneRiskBasedCapital"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_7ec9cc32-9e2c-47b8-ac2c-fd43a92f9e34" xlink:to="loc_slm_CommonEquityTierOneRiskBasedCapital_25c8a5a1-f071-477e-960a-971022650826" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapital_dded7f60-0c6d-4898-82c6-8aa05f5310f5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneRiskBasedCapital"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_7ec9cc32-9e2c-47b8-ac2c-fd43a92f9e34" xlink:to="loc_us-gaap_TierOneRiskBasedCapital_dded7f60-0c6d-4898-82c6-8aa05f5310f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Capital_5ea8bddc-0e62-48d3-a28c-04b291b9fec9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Capital"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_7ec9cc32-9e2c-47b8-ac2c-fd43a92f9e34" xlink:to="loc_us-gaap_Capital_5ea8bddc-0e62-48d3-a28c-04b291b9fec9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital_0276f2c3-49a0-4f8b-ab7c-86e30dd17493" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneLeverageCapital"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_7ec9cc32-9e2c-47b8-ac2c-fd43a92f9e34" xlink:to="loc_us-gaap_TierOneLeverageCapital_0276f2c3-49a0-4f8b-ab7c-86e30dd17493" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RiskBasedRatiosAbstract_15d53d0b-a0e5-4b38-82ad-2a1c6cc781ca" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RiskBasedRatiosAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_210f7f29-dba5-4c6d-bb0e-f8e2c7ef83a2" xlink:to="loc_us-gaap_RiskBasedRatiosAbstract_15d53d0b-a0e5-4b38-82ad-2a1c6cc781ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets_8f4828cb-cca2-4bab-afcd-f00e6b1a8271" xlink:href="slm-20241231.xsd#slm_TierOneCommonEquityCapitaltoRiskWeightedAssets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_15d53d0b-a0e5-4b38-82ad-2a1c6cc781ca" xlink:to="loc_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets_8f4828cb-cca2-4bab-afcd-f00e6b1a8271" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_254c2674-1d2d-4118-9c50-30514b6b7c2a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_15d53d0b-a0e5-4b38-82ad-2a1c6cc781ca" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_254c2674-1d2d-4118-9c50-30514b6b7c2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalToRiskWeightedAssets_9bc8d70f-0a64-4ebd-9097-a5d7667c7165" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CapitalToRiskWeightedAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_15d53d0b-a0e5-4b38-82ad-2a1c6cc781ca" xlink:to="loc_us-gaap_CapitalToRiskWeightedAssets_9bc8d70f-0a64-4ebd-9097-a5d7667c7165" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_eef771d4-e1e1-441b-bbf5-b28b0307bb1e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_15d53d0b-a0e5-4b38-82ad-2a1c6cc781ca" xlink:to="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_eef771d4-e1e1-441b-bbf5-b28b0307bb1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalAbstract_8b92a842-9d2f-4b63-8891-67da42e16f4a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneLeverageCapitalAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_210f7f29-dba5-4c6d-bb0e-f8e2c7ef83a2" xlink:to="loc_us-gaap_TierOneLeverageCapitalAbstract_8b92a842-9d2f-4b63-8891-67da42e16f4a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized_22742be1-9f30-464a-8073-a78a669df55c" xlink:href="slm-20241231.xsd#slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_8b92a842-9d2f-4b63-8891-67da42e16f4a" xlink:to="loc_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized_22742be1-9f30-464a-8073-a78a669df55c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_5e5bf7af-17e6-437c-86ce-f106577aeb7f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_8b92a842-9d2f-4b63-8891-67da42e16f4a" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_5e5bf7af-17e6-437c-86ce-f106577aeb7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalized_486d101e-8c50-47de-a22f-3ae894206452" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CapitalRequiredToBeWellCapitalized"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_8b92a842-9d2f-4b63-8891-67da42e16f4a" xlink:to="loc_us-gaap_CapitalRequiredToBeWellCapitalized_486d101e-8c50-47de-a22f-3ae894206452" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_a24e2637-2ddb-493b-9671-5b9d23d2b26f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_8b92a842-9d2f-4b63-8891-67da42e16f4a" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_a24e2637-2ddb-493b-9671-5b9d23d2b26f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeverageRatiosAbstract_ded39172-b8da-4f2c-a90f-6a287c6e6998" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LeverageRatiosAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract_210f7f29-dba5-4c6d-bb0e-f8e2c7ef83a2" xlink:to="loc_us-gaap_LeverageRatiosAbstract_ded39172-b8da-4f2c-a90f-6a287c6e6998" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_306d0a21-bc22-4173-8ac1-d94051eb84e8" xlink:href="slm-20241231.xsd#slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeverageRatiosAbstract_ded39172-b8da-4f2c-a90f-6a287c6e6998" xlink:to="loc_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets_306d0a21-bc22-4173-8ac1-d94051eb84e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_3747f419-6231-4255-a7f8-340f9c272e99" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeverageRatiosAbstract_ded39172-b8da-4f2c-a90f-6a287c6e6998" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_3747f419-6231-4255-a7f8-340f9c272e99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_20ea1afa-6f7e-4051-94e9-68a1d8179c44" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeverageRatiosAbstract_ded39172-b8da-4f2c-a90f-6a287c6e6998" xlink:to="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_20ea1afa-6f7e-4051-94e9-68a1d8179c44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_925fbf31-1732-4ec5-844d-bb6bedb069b2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeverageRatiosAbstract_ded39172-b8da-4f2c-a90f-6a287c6e6998" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_925fbf31-1732-4ec5-844d-bb6bedb069b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/DefinedContributionPlansDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#DefinedContributionPlansDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/DefinedContributionPlansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_90d4d94b-1ebe-4d2c-a5b9-033e8a8f60a3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanTable_43517fd7-1602-4712-a442-275b4149a471" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DefinedContributionPlanTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_90d4d94b-1ebe-4d2c-a5b9-033e8a8f60a3" xlink:to="loc_us-gaap_DefinedContributionPlanTable_43517fd7-1602-4712-a442-275b4149a471" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameAxis_7b672d8f-0413-4c3d-90ba-365ee2c5029b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetirementPlanNameAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedContributionPlanTable_43517fd7-1602-4712-a442-275b4149a471" xlink:to="loc_us-gaap_RetirementPlanNameAxis_7b672d8f-0413-4c3d-90ba-365ee2c5029b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameDomain_89abcdf3-3cd3-48a3-bd94-0f2635e88537" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetirementPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanNameAxis_7b672d8f-0413-4c3d-90ba-365ee2c5029b" xlink:to="loc_us-gaap_RetirementPlanNameDomain_89abcdf3-3cd3-48a3-bd94-0f2635e88537" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SallieMae401kSavingsPlanMember_9dc29d4b-9cc2-4995-8a6f-2389587f64a1" xlink:href="slm-20241231.xsd#slm_SallieMae401kSavingsPlanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanNameDomain_89abcdf3-3cd3-48a3-bd94-0f2635e88537" xlink:to="loc_slm_SallieMae401kSavingsPlanMember_9dc29d4b-9cc2-4995-8a6f-2389587f64a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanDisclosureLineItems_e25de88f-3aa0-49ca-a2ed-43fe55476da8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DefinedContributionPlanDisclosureLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedContributionPlanTable_43517fd7-1602-4712-a442-275b4149a471" xlink:to="loc_us-gaap_DefinedContributionPlanDisclosureLineItems_e25de88f-3aa0-49ca-a2ed-43fe55476da8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_de995840-4cbc-44a6-818d-1287ca17c5e9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedContributionPlanDisclosureLineItems_e25de88f-3aa0-49ca-a2ed-43fe55476da8" xlink:to="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_de995840-4cbc-44a6-818d-1287ca17c5e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Type1ofDefinedContributionPlan_31a1e195-31aa-4f1c-b869-1d9742e17baa" xlink:href="slm-20241231.xsd#slm_Type1ofDefinedContributionPlan"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedContributionPlanDisclosureLineItems_e25de88f-3aa0-49ca-a2ed-43fe55476da8" xlink:to="loc_slm_Type1ofDefinedContributionPlan_31a1e195-31aa-4f1c-b869-1d9742e17baa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount_e00bbadc-cff6-4fa7-80a1-df0a61a06623" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedContributionPlanDisclosureLineItems_e25de88f-3aa0-49ca-a2ed-43fe55476da8" xlink:to="loc_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount_e00bbadc-cff6-4fa7-80a1-df0a61a06623" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/CommitmentsContingenciesandGuaranteesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#CommitmentsContingenciesandGuaranteesDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/CommitmentsContingenciesandGuaranteesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_749e2197-7852-49f2-a18a-85b34f504906" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligation_426d11c3-f949-4b78-beb6-406bb1b46345" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ContractualObligation"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_749e2197-7852-49f2-a18a-85b34f504906" xlink:to="loc_us-gaap_ContractualObligation_426d11c3-f949-4b78-beb6-406bb1b46345" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OtherLiabilitiesReserve_1bcaa0ea-bdf9-4a17-ac59-97041fc015f4" xlink:href="slm-20241231.xsd#slm_OtherLiabilitiesReserve"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_749e2197-7852-49f2-a18a-85b34f504906" xlink:to="loc_slm_OtherLiabilitiesReserve_1bcaa0ea-bdf9-4a17-ac59-97041fc015f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_dafcacc2-09c0-4583-935b-cb1ead0b2a32" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_021562ae-10a2-4349-a812-70d543af4ea7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_dafcacc2-09c0-4583-935b-cb1ead0b2a32" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_021562ae-10a2-4349-a812-70d543af4ea7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_f4870f14-5fa3-4d74-a114-c3e3035b38d3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_021562ae-10a2-4349-a812-70d543af4ea7" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_f4870f14-5fa3-4d74-a114-c3e3035b38d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_a645bf1c-223b-4ef2-854e-d18611cbecd4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_021562ae-10a2-4349-a812-70d543af4ea7" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_a645bf1c-223b-4ef2-854e-d18611cbecd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits_7cf11d5c-aa2c-47d0-a849-0ee9084cb7c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_021562ae-10a2-4349-a812-70d543af4ea7" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits_7cf11d5c-aa2c-47d0-a849-0ee9084cb7c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_9cc91594-c93e-4709-ba51-b1a754d0ba3d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_021562ae-10a2-4349-a812-70d543af4ea7" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_9cc91594-c93e-4709-ba51-b1a754d0ba3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_8de36db9-2a2c-4ad5-b932-66db5b04ecfc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract_021562ae-10a2-4349-a812-70d543af4ea7" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_8de36db9-2a2c-4ad5-b932-66db5b04ecfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/IncomeTaxesNarrativeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#IncomeTaxesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/IncomeTaxesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_d69d66dc-40e3-45ad-adbe-e6be46b50b2e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable_3142028f-03b5-40ba-86e2-a0cd5c7b7df3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_d69d66dc-40e3-45ad-adbe-e6be46b50b2e" xlink:to="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable_3142028f-03b5-40ba-86e2-a0cd5c7b7df3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_b436e640-862f-4ed8-bd90-3637c0033328" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable_3142028f-03b5-40ba-86e2-a0cd5c7b7df3" xlink:to="loc_srt_RangeAxis_b436e640-862f-4ed8-bd90-3637c0033328" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_1032d3e6-fecd-4f70-80b1-aacca7cf8858" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_b436e640-862f-4ed8-bd90-3637c0033328" xlink:to="loc_srt_RangeMember_1032d3e6-fecd-4f70-80b1-aacca7cf8858" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_7ff4e1cb-7dcc-4a2a-ae1d-ac8bb354c48d" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_1032d3e6-fecd-4f70-80b1-aacca7cf8858" xlink:to="loc_srt_MinimumMember_7ff4e1cb-7dcc-4a2a-ae1d-ac8bb354c48d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_9b93309e-3fa2-4fc1-bf32-d06cd1f7b362" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_1032d3e6-fecd-4f70-80b1-aacca7cf8858" xlink:to="loc_srt_MaximumMember_9b93309e-3fa2-4fc1-bf32-d06cd1f7b362" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable_3142028f-03b5-40ba-86e2-a0cd5c7b7df3" xlink:to="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_4765b894-784a-48a1-a133-465af06f2377" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_4765b894-784a-48a1-a133-465af06f2377" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLossCarryforwardsValuationAllowance_6e3c05ba-87d9-463d-adde-5a36cb9c533d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingLossCarryforwardsValuationAllowance"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_OperatingLossCarryforwardsValuationAllowance_6e3c05ba-87d9-463d-adde-5a36cb9c533d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount_f8b014a2-23d3-46ee-9a8f-43b4f000a19a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount_f8b014a2-23d3-46ee-9a8f-43b4f000a19a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_OperatingLossCarryforwardsCapitalLoss_c4a732ff-dd6c-4128-badc-1abf0a482e3b" xlink:href="slm-20241231.xsd#slm_OperatingLossCarryforwardsCapitalLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_slm_OperatingLossCarryforwardsCapitalLoss_c4a732ff-dd6c-4128-badc-1abf0a482e3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CapitalLossValuationAllowance_5051bd75-39a0-44c5-9223-f4dbeb62f4d5" xlink:href="slm-20241231.xsd#slm_CapitalLossValuationAllowance"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_slm_CapitalLossValuationAllowance_5051bd75-39a0-44c5-9223-f4dbeb62f4d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits_c0885029-164d-4884-9a03-95e5f4a8ea5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_UnrecognizedTaxBenefits_c0885029-164d-4884-9a03-95e5f4a8ea5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate_4d3dab18-0985-4be0-a0ee-6bee11b14a16" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate_4d3dab18-0985-4be0-a0ee-6bee11b14a16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued_5f112139-cd13-42a3-b85e-484a8e4c8253" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued_5f112139-cd13-42a3-b85e-484a8e4c8253" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense_e99a18aa-864e-4d24-8c0f-f7175644614d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense_e99a18aa-864e-4d24-8c0f-f7175644614d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_CombinationOfSubsidiariesTaxYears_3e4e3f0b-a24f-4c40-80cf-bb6ec5253ca7" xlink:href="slm-20241231.xsd#slm_CombinationOfSubsidiariesTaxYears"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_slm_CombinationOfSubsidiariesTaxYears_3e4e3f0b-a24f-4c40-80cf-bb6ec5253ca7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible_18d162f0-e0c6-4748-8c16-b8ba4b3145cb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems_2de82ed9-ca1f-46f2-a280-318c10765b98" xlink:to="loc_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible_18d162f0-e0c6-4748-8c16-b8ba4b3145cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_57892189-c726-424e-b719-cfed4c6c571a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_942b8f48-3097-4241-9219-8c04b7a7b45d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_57892189-c726-424e-b719-cfed4c6c571a" xlink:to="loc_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_942b8f48-3097-4241-9219-8c04b7a7b45d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalTaxExpenseBenefit_55b5fd95-adaa-4e3b-a9a5-681fd38016d1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CurrentFederalTaxExpenseBenefit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_942b8f48-3097-4241-9219-8c04b7a7b45d" xlink:to="loc_us-gaap_CurrentFederalTaxExpenseBenefit_55b5fd95-adaa-4e3b-a9a5-681fd38016d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_114c5dd3-23c7-41d4-9ac3-b2087f959a60" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_942b8f48-3097-4241-9219-8c04b7a7b45d" xlink:to="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_114c5dd3-23c7-41d4-9ac3-b2087f959a60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_8ed044be-13a8-4018-b1f6-22f2e1f8c860" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_942b8f48-3097-4241-9219-8c04b7a7b45d" xlink:to="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_8ed044be-13a8-4018-b1f6-22f2e1f8c860" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_a436af58-014c-477e-937a-d363917c1913" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_57892189-c726-424e-b719-cfed4c6c571a" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_a436af58-014c-477e-937a-d363917c1913" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_102e3a86-85eb-45d0-8bd9-c59b80bdc317" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_a436af58-014c-477e-937a-d363917c1913" xlink:to="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_102e3a86-85eb-45d0-8bd9-c59b80bdc317" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_be3ec538-a5f3-4d4a-b31b-a1b7b1d64023" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_a436af58-014c-477e-937a-d363917c1913" xlink:to="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_be3ec538-a5f3-4d4a-b31b-a1b7b1d64023" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_dd64afd5-5939-4878-8323-8d8016295ac2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract_a436af58-014c-477e-937a-d363917c1913" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_dd64afd5-5939-4878-8323-8d8016295ac2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_f4244c4c-18ab-469b-a97a-88eea312c48c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_57892189-c726-424e-b719-cfed4c6c571a" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_f4244c4c-18ab-469b-a97a-88eea312c48c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_2663d6e1-e816-42f2-9909-ca03b0257f5c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsNetAbstract_45953db0-0d34-45e3-94ba-bfc3e081e1d4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsNetAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_2663d6e1-e816-42f2-9909-ca03b0257f5c" xlink:to="loc_us-gaap_DeferredTaxAssetsNetAbstract_45953db0-0d34-45e3-94ba-bfc3e081e1d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_48c054a6-9c5f-48c4-ba86-3d6c82ff511c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_45953db0-0d34-45e3-94ba-bfc3e081e1d4" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_48c054a6-9c5f-48c4-ba86-3d6c82ff511c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities_f4cfe9ea-352f-4d00-bc5a-d5596b85fc87" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_45953db0-0d34-45e3-94ba-bfc3e081e1d4" xlink:to="loc_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities_f4cfe9ea-352f-4d00-bc5a-d5596b85fc87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_65685caf-3445-419f-8b6c-c30a93ae9dbb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_45953db0-0d34-45e3-94ba-bfc3e081e1d4" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_65685caf-3445-419f-8b6c-c30a93ae9dbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits_580ffbf6-63fe-4328-bf64-805347f3a31a" xlink:href="slm-20241231.xsd#slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_45953db0-0d34-45e3-94ba-bfc3e081e1d4" xlink:to="loc_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits_580ffbf6-63fe-4328-bf64-805347f3a31a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment_c4c18878-7915-47ff-bd4d-d9306111fd09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_45953db0-0d34-45e3-94ba-bfc3e081e1d4" xlink:to="loc_us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment_c4c18878-7915-47ff-bd4d-d9306111fd09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost_fce27395-00af-4beb-9e50-6a6d20540c6e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_45953db0-0d34-45e3-94ba-bfc3e081e1d4" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost_fce27395-00af-4beb-9e50-6a6d20540c6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets_3345fc2d-58fd-4546-bdaf-0a4f7d1f838e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_45953db0-0d34-45e3-94ba-bfc3e081e1d4" xlink:to="loc_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets_3345fc2d-58fd-4546-bdaf-0a4f7d1f838e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_29e1d58d-bca0-42e5-b3d2-e5772b798e67" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_45953db0-0d34-45e3-94ba-bfc3e081e1d4" xlink:to="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_29e1d58d-bca0-42e5-b3d2-e5772b798e67" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxAssetsOtherIncludingValuationAllowance_07c104a4-af3e-4313-b3a9-e97f386c061e" xlink:href="slm-20241231.xsd#slm_DeferredTaxAssetsOtherIncludingValuationAllowance"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_45953db0-0d34-45e3-94ba-bfc3e081e1d4" xlink:to="loc_slm_DeferredTaxAssetsOtherIncludingValuationAllowance_07c104a4-af3e-4313-b3a9-e97f386c061e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsNet_7f0343a0-2e8d-4c79-9253-b237b3ac7e0f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsNet"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxAssetsNetAbstract_45953db0-0d34-45e3-94ba-bfc3e081e1d4" xlink:to="loc_us-gaap_DeferredTaxAssetsNet_7f0343a0-2e8d-4c79-9253-b237b3ac7e0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesAbstract_1d054221-5ee3-41b5-b0ca-ef48504d780f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxLiabilitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_2663d6e1-e816-42f2-9909-ca03b0257f5c" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesAbstract_1d054221-5ee3-41b5-b0ca-ef48504d780f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet_388cd904-7c3f-4b1d-9789-53a947be4512" xlink:href="slm-20241231.xsd#slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesAbstract_1d054221-5ee3-41b5-b0ca-ef48504d780f" xlink:to="loc_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet_388cd904-7c3f-4b1d-9789-53a947be4512" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_2e6b926b-07d0-45fc-9457-423b3677a438" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesAbstract_1d054221-5ee3-41b5-b0ca-ef48504d780f" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_2e6b926b-07d0-45fc-9457-423b3677a438" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable_cc44f622-e761-4f63-a50f-a382979ed14c" xlink:href="slm-20241231.xsd#slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesAbstract_1d054221-5ee3-41b5-b0ca-ef48504d780f" xlink:to="loc_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable_cc44f622-e761-4f63-a50f-a382979ed14c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesOther_b25ee10b-4d93-4297-be86-5117e4fdf314" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxLiabilitiesOther"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesAbstract_1d054221-5ee3-41b5-b0ca-ef48504d780f" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesOther_b25ee10b-4d93-4297-be86-5117e4fdf314" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities_14907609-b0bc-4fd7-9539-c6d712b54ebf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxLiabilities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesAbstract_1d054221-5ee3-41b5-b0ca-ef48504d780f" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilities_14907609-b0bc-4fd7-9539-c6d712b54ebf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_1165483e-a21f-460e-8aa8-35c4fb6aadbb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_2663d6e1-e816-42f2-9909-ca03b0257f5c" xlink:to="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_1165483e-a21f-460e-8aa8-35c4fb6aadbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_224bb364-e1bf-4b65-8a01-a7e0674325ce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_390e31ab-7cf4-4eec-b2ff-dd2eb222f115" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_224bb364-e1bf-4b65-8a01-a7e0674325ce" xlink:to="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_390e31ab-7cf4-4eec-b2ff-dd2eb222f115" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits_33c8d2bb-cb55-4cd2-baff-68d6d651002d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_390e31ab-7cf4-4eec-b2ff-dd2eb222f115" xlink:to="loc_us-gaap_UnrecognizedTaxBenefits_33c8d2bb-cb55-4cd2-baff-68d6d651002d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions_da5e452d-f575-4be0-801e-c97e886a835e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_390e31ab-7cf4-4eec-b2ff-dd2eb222f115" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions_da5e452d-f575-4be0-801e-c97e886a835e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_f6913b6a-71f2-40fb-9deb-78460ff62136" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_390e31ab-7cf4-4eec-b2ff-dd2eb222f115" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_f6913b6a-71f2-40fb-9deb-78460ff62136" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions_140562fc-3e66-4c70-815d-644bc3449d52" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_390e31ab-7cf4-4eec-b2ff-dd2eb222f115" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions_140562fc-3e66-4c70-815d-644bc3449d52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities_390c8dee-ede0-4364-9538-7d920ce277a7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_390e31ab-7cf4-4eec-b2ff-dd2eb222f115" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities_390c8dee-ede0-4364-9538-7d920ce277a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations_6aca9d86-4721-4de8-b915-c51e92ca8a35" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_390e31ab-7cf4-4eec-b2ff-dd2eb222f115" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations_6aca9d86-4721-4de8-b915-c51e92ca8a35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits_29e834c1-11a4-43aa-95d0-4c0bf0e80bef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_390e31ab-7cf4-4eec-b2ff-dd2eb222f115" xlink:to="loc_us-gaap_UnrecognizedTaxBenefits_29e834c1-11a4-43aa-95d0-4c0bf0e80bef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ConcentrationsofRiskDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#ConcentrationsofRiskDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/ConcentrationsofRiskDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RisksAndUncertaintiesAbstract_aced2f50-5b45-4ff7-8239-5ef9f2526e04" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RisksAndUncertaintiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_BrokeredDepositPercent_2493f9e8-8a1b-4795-abd6-0fd2346983e3" xlink:href="slm-20241231.xsd#slm_BrokeredDepositPercent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RisksAndUncertaintiesAbstract_aced2f50-5b45-4ff7-8239-5ef9f2526e04" xlink:to="loc_slm_BrokeredDepositPercent_2493f9e8-8a1b-4795-abd6-0fd2346983e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#ParentOnlyStatementsBalanceSheetsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_a0cef270-9d77-4574-9ade-7e0b15adb650" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementTable_1bd74ed1-e3a5-4811-8081-8f7c711cfe9e" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedBalanceSheetStatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_a0cef270-9d77-4574-9ade-7e0b15adb650" xlink:to="loc_srt_CondensedBalanceSheetStatementTable_1bd74ed1-e3a5-4811-8081-8f7c711cfe9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_413450b1-281a-44b4-a27e-7324d7fabc9c" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementTable_1bd74ed1-e3a5-4811-8081-8f7c711cfe9e" xlink:to="loc_srt_ConsolidatedEntitiesAxis_413450b1-281a-44b4-a27e-7324d7fabc9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_ee98d905-339e-457a-a6cb-14c6b5d02366" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_413450b1-281a-44b4-a27e-7324d7fabc9c" xlink:to="loc_srt_ConsolidatedEntitiesDomain_ee98d905-339e-457a-a6cb-14c6b5d02366" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_2d279c3e-681c-4db9-892a-98746a4575fe" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ParentCompanyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_ee98d905-339e-457a-a6cb-14c6b5d02366" xlink:to="loc_srt_ParentCompanyMember_2d279c3e-681c-4db9-892a-98746a4575fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_a3b7d2a3-3694-4182-a650-5af7587fa9c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementTable_1bd74ed1-e3a5-4811-8081-8f7c711cfe9e" xlink:to="loc_us-gaap_StatementClassOfStockAxis_a3b7d2a3-3694-4182-a650-5af7587fa9c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_776f12b3-89f1-4efb-a0c6-bc9f423733e1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_a3b7d2a3-3694-4182-a650-5af7587fa9c2" xlink:to="loc_us-gaap_ClassOfStockDomain_776f12b3-89f1-4efb-a0c6-bc9f423733e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember_c30d66c7-c930-47dd-ba13-adb07899f472" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_776f12b3-89f1-4efb-a0c6-bc9f423733e1" xlink:to="loc_us-gaap_SeriesBPreferredStockMember_c30d66c7-c930-47dd-ba13-adb07899f472" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedBalanceSheetStatementsCaptionsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementTable_1bd74ed1-e3a5-4811-8081-8f7c711cfe9e" xlink:to="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_66853759-0e00-48ea-90e5-3508c4bedae9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_66853759-0e00-48ea-90e5-3508c4bedae9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InvestmentinSubsidiary_449f778c-08db-46e7-bc10-86e90add97d2" xlink:href="slm-20241231.xsd#slm_InvestmentinSubsidiary"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:to="loc_slm_InvestmentinSubsidiary_449f778c-08db-46e7-bc10-86e90add97d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DuefromSubsidiaresNet_fab1a3ab-f2ce-4466-bc4a-7351f0ecedf7" xlink:href="slm-20241231.xsd#slm_DuefromSubsidiaresNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:to="loc_slm_DuefromSubsidiaresNet_fab1a3ab-f2ce-4466-bc4a-7351f0ecedf7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_2efcc485-7dd1-429a-8eb1-ad0e2da45670" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:to="loc_us-gaap_OtherAssets_2efcc485-7dd1-429a-8eb1-ad0e2da45670" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_3b1bc32d-0c83-4a14-a6f1-324a01f31873" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_91b528f9-daa2-42f1-b2a7-fb0e2e532c24" xlink:to="loc_us-gaap_Assets_3b1bc32d-0c83-4a14-a6f1-324a01f31873" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_5d4c7fcb-7d14-4a91-94f1-287150f72fe4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_5d4c7fcb-7d14-4a91-94f1-287150f72fe4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract_72b50abc-cd22-4b8b-9609-b1df0a544187" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_5d4c7fcb-7d14-4a91-94f1-287150f72fe4" xlink:to="loc_us-gaap_LiabilitiesAbstract_72b50abc-cd22-4b8b-9609-b1df0a544187" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_4299c2b9-d278-4f3d-ad56-d6c24427c95a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_72b50abc-cd22-4b8b-9609-b1df0a544187" xlink:to="loc_us-gaap_LongTermDebt_4299c2b9-d278-4f3d-ad56-d6c24427c95a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TaxesPayableCurrentAndNoncurrent_c8f2062a-95de-4095-b63c-ee1bb84172c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TaxesPayableCurrentAndNoncurrent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_72b50abc-cd22-4b8b-9609-b1df0a544187" xlink:to="loc_us-gaap_TaxesPayableCurrentAndNoncurrent_c8f2062a-95de-4095-b63c-ee1bb84172c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_ada108bd-641d-4969-bef4-b05b49b88b07" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_72b50abc-cd22-4b8b-9609-b1df0a544187" xlink:to="loc_us-gaap_OtherLiabilities_ada108bd-641d-4969-bef4-b05b49b88b07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_b3e617d9-145b-479a-95c0-f83cad0b8ea1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_72b50abc-cd22-4b8b-9609-b1df0a544187" xlink:to="loc_us-gaap_Liabilities_b3e617d9-145b-479a-95c0-f83cad0b8ea1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_5d4c7fcb-7d14-4a91-94f1-287150f72fe4" xlink:to="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_9d797533-25e8-449a-86ce-b020271e6400" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_PreferredStockValue_9d797533-25e8-449a-86ce-b020271e6400" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_32ddcfd9-bca6-4597-b2ad-be156df59ec5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_CommonStockValue_32ddcfd9-bca6-4597-b2ad-be156df59ec5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_b5832009-82cb-4b47-9be2-435e1f43208f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_AdditionalPaidInCapital_b5832009-82cb-4b47-9be2-435e1f43208f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_1f9a7b4d-477d-49bf-92ed-9158dc74fc0f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_1f9a7b4d-477d-49bf-92ed-9158dc74fc0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_3d939b07-6785-4080-929b-0c892a98ae74" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_3d939b07-6785-4080-929b-0c892a98ae74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_04f26a65-c78c-4d32-8e0c-9da5a5c50714" xlink:href="slm-20241231.xsd#slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock_04f26a65-c78c-4d32-8e0c-9da5a5c50714" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_b5e7f22a-e153-4e06-8055-a0d887386ea7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_TreasuryStockCommonValue_b5e7f22a-e153-4e06-8055-a0d887386ea7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_1b878e99-29e6-4d64-be07-aa95d3abab08" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_56ceac87-3a52-4cd6-a8e0-4a230b9497d5" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_1b878e99-29e6-4d64-be07-aa95d3abab08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_836343bb-ebc0-44c2-8768-b83ae0ed0e97" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_5d4c7fcb-7d14-4a91-94f1-287150f72fe4" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_836343bb-ebc0-44c2-8768-b83ae0ed0e97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_7964268e-3b41-448e-a639-bb699f2271b1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_7964268e-3b41-448e-a639-bb699f2271b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_a9307283-ab34-432d-9f46-c34c0e457719" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_a9307283-ab34-432d-9f46-c34c0e457719" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_bfcefe32-0129-40f4-a916-e4b2e2c2947b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_PreferredStockSharesIssued_bfcefe32-0129-40f4-a916-e4b2e2c2947b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_b727149e-73be-4a5f-ae88-171c1b772709" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_b727149e-73be-4a5f-ae88-171c1b772709" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_895411d3-b628-4fae-b26a-66a9ed2d9cb8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_895411d3-b628-4fae-b26a-66a9ed2d9cb8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_2c3acfce-a6d4-4e94-87c1-3b8b83d2451b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_2c3acfce-a6d4-4e94-87c1-3b8b83d2451b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_e9798e59-fb47-44fc-a236-dcd12d7f97c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_CommonStockSharesIssued_e9798e59-fb47-44fc-a236-dcd12d7f97c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociTaxAttributableToParent_4d201b5c-5daa-424e-aa7a-f9f37913a629" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AociTaxAttributableToParent"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_AociTaxAttributableToParent_4d201b5c-5daa-424e-aa7a-f9f37913a629" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_d45b4139-5c08-4e06-bcc4-4c2b80c66493" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_f5d9cdf0-3655-4429-89a6-6e6eeeb134dd" xlink:to="loc_us-gaap_TreasuryStockCommonShares_d45b4139-5c08-4e06-bcc4-4c2b80c66493" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#ParentOnlyStatementsStatementsofIncomeDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_38bc8530-adb1-439c-8cdb-2aa7b470660a" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementTable_b9a365c0-33b9-450b-a236-bd49b70b2223" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedIncomeStatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_38bc8530-adb1-439c-8cdb-2aa7b470660a" xlink:to="loc_srt_CondensedIncomeStatementTable_b9a365c0-33b9-450b-a236-bd49b70b2223" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_f38e48a3-ca1f-47de-a583-d632cdb3dfef" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementTable_b9a365c0-33b9-450b-a236-bd49b70b2223" xlink:to="loc_srt_ConsolidatedEntitiesAxis_f38e48a3-ca1f-47de-a583-d632cdb3dfef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_51b48a67-a4fb-497f-ab66-f9bc11766ae7" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_f38e48a3-ca1f-47de-a583-d632cdb3dfef" xlink:to="loc_srt_ConsolidatedEntitiesDomain_51b48a67-a4fb-497f-ab66-f9bc11766ae7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_fc39fff6-4697-4ea2-8a10-c3ac59cfc4fb" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ParentCompanyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_51b48a67-a4fb-497f-ab66-f9bc11766ae7" xlink:to="loc_srt_ParentCompanyMember_fc39fff6-4697-4ea2-8a10-c3ac59cfc4fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedIncomeStatementsCaptionsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementTable_b9a365c0-33b9-450b-a236-bd49b70b2223" xlink:to="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_d7043ac3-193e-4f88-93e0-ad5bf031196c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_d7043ac3-193e-4f88-93e0-ad5bf031196c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_e976b474-6ed2-4924-a158-a59feb507a4b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseOperating"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_InterestExpenseOperating_e976b474-6ed2-4924-a158-a59feb507a4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_d82f497a-29b6-4373-8967-5acc989a06d9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_d82f497a-29b6-4373-8967-5acc989a06d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_NonInterestIncomeLoss_17917d7e-299e-4a26-b0d2-c7124e712e4c" xlink:href="slm-20241231.xsd#slm_NonInterestIncomeLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_slm_NonInterestIncomeLoss_17917d7e-299e-4a26-b0d2-c7124e712e4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_4abe3f70-95a4-46e0-804c-4ae4fd07efed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestExpense"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_NoninterestExpense_4abe3f70-95a4-46e0-804c-4ae4fd07efed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_e5845459-81b5-469d-b147-cb20008385e0" xlink:href="slm-20241231.xsd#slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes_e5845459-81b5-469d-b147-cb20008385e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_2221c32a-7ffb-43c2-9bd5-62b941c3caac" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_2221c32a-7ffb-43c2-9bd5-62b941c3caac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_ffe67802-b931-4e00-956d-57901053fc3c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_ffe67802-b931-4e00-956d-57901053fc3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_abfd86cd-7b05-4a01-97e2-85de0424be19" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_ProfitLoss_abfd86cd-7b05-4a01-97e2-85de0424be19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_2331c86c-0923-4706-b62c-d4091576df0b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_2331c86c-0923-4706-b62c-d4091576df0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_22053e27-bd7f-4fbc-8f7b-62f3faef4b5d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_bb0d38e8-2d52-45ce-8d9b-42bae5f99ae4" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_22053e27-bd7f-4fbc-8f7b-62f3faef4b5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#ParentOnlyStatementsStatementsofCashFlowsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_abeb6252-b820-4c68-9e8d-d6bb7d95369a" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedFinancialStatementsTable_23dd9960-60de-4472-8cc4-0d8c994ebf28" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ScheduleOfCondensedFinancialStatementsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_abeb6252-b820-4c68-9e8d-d6bb7d95369a" xlink:to="loc_srt_ScheduleOfCondensedFinancialStatementsTable_23dd9960-60de-4472-8cc4-0d8c994ebf28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_ebe0ec6d-2cf0-412f-97d3-66a8613fdd5d" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ScheduleOfCondensedFinancialStatementsTable_23dd9960-60de-4472-8cc4-0d8c994ebf28" xlink:to="loc_srt_ConsolidatedEntitiesAxis_ebe0ec6d-2cf0-412f-97d3-66a8613fdd5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_4a664dd0-8cec-43fe-af4f-0f0e9eacc115" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_ebe0ec6d-2cf0-412f-97d3-66a8613fdd5d" xlink:to="loc_srt_ConsolidatedEntitiesDomain_4a664dd0-8cec-43fe-af4f-0f0e9eacc115" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_3f2d2b35-7604-4101-809c-38554d04e83a" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ParentCompanyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_4a664dd0-8cec-43fe-af4f-0f0e9eacc115" xlink:to="loc_srt_ParentCompanyMember_3f2d2b35-7604-4101-809c-38554d04e83a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CondensedFinancialStatementsCaptionsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ScheduleOfCondensedFinancialStatementsTable_23dd9960-60de-4472-8cc4-0d8c994ebf28" xlink:to="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f19ac71d-649e-4eb4-be3a-55bcea57949f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f19ac71d-649e-4eb4-be3a-55bcea57949f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_14a7dac6-ddad-4b0e-818f-5b985ef2310a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f19ac71d-649e-4eb4-be3a-55bcea57949f" xlink:to="loc_us-gaap_ProfitLoss_14a7dac6-ddad-4b0e-818f-5b985ef2310a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f19ac71d-649e-4eb4-be3a-55bcea57949f" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_Undistributedearningsofsubsidiaries_f06d0979-e354-4444-99c5-c61130a79561" xlink:href="slm-20241231.xsd#slm_Undistributedearningsofsubsidiaries"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_slm_Undistributedearningsofsubsidiaries_f06d0979-e354-4444-99c5-c61130a79561" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromDividendsReceived_0a5feb7c-6570-4c2b-a6cc-9ae96b37ca76" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromDividendsReceived"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_ProceedsFromDividendsReceived_0a5feb7c-6570-4c2b-a6cc-9ae96b37ca76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_InterestIncomeonTaxIndemnificationReceivable_31855118-451b-4547-a91d-2d0351702956" xlink:href="slm-20241231.xsd#slm_InterestIncomeonTaxIndemnificationReceivable"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_slm_InterestIncomeonTaxIndemnificationReceivable_31855118-451b-4547-a91d-2d0351702956" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfABCPUpfrontLoanFees_d368ae91-5e88-4cfe-a6cb-dc94d39dd537" xlink:href="slm-20241231.xsd#slm_AmortizationOfABCPUpfrontLoanFees"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_slm_AmortizationOfABCPUpfrontLoanFees_d368ae91-5e88-4cfe-a6cb-dc94d39dd537" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDebtDiscountPremium_36626649-22e4-448a-be6b-f05a536cb53e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfDebtDiscountPremium"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_AmortizationOfDebtDiscountPremium_36626649-22e4-448a-be6b-f05a536cb53e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_ca47c1e4-3373-435f-b65a-9f6266c443f7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_ca47c1e4-3373-435f-b65a-9f6266c443f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet_91fbabf7-edb4-4da2-9d74-2ac641e1bc9b" xlink:href="slm-20241231.xsd#slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet_91fbabf7-edb4-4da2-9d74-2ac641e1bc9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncreaseDecreaseinDuefromSubsidiariesNet_908da043-5e20-440e-96d9-612a726b5d29" xlink:href="slm-20241231.xsd#slm_IncreaseDecreaseinDuefromSubsidiariesNet"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_slm_IncreaseDecreaseinDuefromSubsidiariesNet_908da043-5e20-440e-96d9-612a726b5d29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_a5514c19-99fe-4fd4-8e94-5e2a307bd39e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_a5514c19-99fe-4fd4-8e94-5e2a307bd39e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_IncreaseDecreaseinincometaxpayabletorelatedparty_676c1cb8-c9ea-4297-b8b0-4f82eccddb92" xlink:href="slm-20241231.xsd#slm_IncreaseDecreaseinincometaxpayabletorelatedparty"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_slm_IncreaseDecreaseinincometaxpayabletorelatedparty_676c1cb8-c9ea-4297-b8b0-4f82eccddb92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDueToRelatedParties_1f62e07e-8829-4fa3-aa63-1249fd33a83a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInDueToRelatedParties"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_IncreaseDecreaseInDueToRelatedParties_1f62e07e-8829-4fa3-aa63-1249fd33a83a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_af8a9e38-20c0-4aa8-b5ab-a9971eb42f34" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_af8a9e38-20c0-4aa8-b5ab-a9971eb42f34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_8df423ad-1d68-4086-9865-bbd43b89d29f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_ddc665e6-4e89-4778-be3a-e8e28c5f2f6d" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_8df423ad-1d68-4086-9865-bbd43b89d29f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_de7226af-08eb-4475-855a-79157eda5589" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f19ac71d-649e-4eb4-be3a-55bcea57949f" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_de7226af-08eb-4475-855a-79157eda5589" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_10ae8574-b1e1-4559-b8e5-0b39684284c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_10ae8574-b1e1-4559-b8e5-0b39684284c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_da67d9a0-3d64-4e8b-8f2a-fcae15da64d9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_10ae8574-b1e1-4559-b8e5-0b39684284c2" xlink:to="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_da67d9a0-3d64-4e8b-8f2a-fcae15da64d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_3212c305-02bc-4a2e-baf2-4b279c08c6e9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_10ae8574-b1e1-4559-b8e5-0b39684284c2" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_3212c305-02bc-4a2e-baf2-4b279c08c6e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_84bfbabd-e499-49d7-86bc-4241d45bfae1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_84bfbabd-e499-49d7-86bc-4241d45bfae1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_0a401144-0818-4748-866d-652749470583" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_0a401144-0818-4748-866d-652749470583" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividends_b8d5cc66-f399-470f-aaa4-fd26c8870561" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividends"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:to="loc_us-gaap_PaymentsOfDividends_b8d5cc66-f399-470f-aaa4-fd26c8870561" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_b822cce4-16a8-4e2f-a8ea-2aee5a7f80d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_b822cce4-16a8-4e2f-a8ea-2aee5a7f80d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8a78109b-7b00-4d00-a91a-f38f65aa4f32" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_e34f138c-5969-4082-bda9-8db122aea0bf" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8a78109b-7b00-4d00-a91a-f38f65aa4f32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_a99b6061-958e-4e55-928a-649ce726672f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_a99b6061-958e-4e55-928a-649ce726672f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_e16eb5e0-0b6a-4b9b-bdaa-460c5cae89ac" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_e16eb5e0-0b6a-4b9b-bdaa-460c5cae89ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_65633f53-e03b-4b26-94f1-a18da537e9df" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_521eab67-d344-4a19-8e71-e4e323272f33" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_65633f53-e03b-4b26-94f1-a18da537e9df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SegmentReportingDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SegmentReportingDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SegmentReportingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_ed28017b-c0d0-4c0e-b9e6-46836ae1a38b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_ff729d26-39ad-46bb-985c-1f17e7af1da1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_ed28017b-c0d0-4c0e-b9e6-46836ae1a38b" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_ff729d26-39ad-46bb-985c-1f17e7af1da1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_6ca2faa3-bf60-44d8-b3de-6a94b890a93e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_ff729d26-39ad-46bb-985c-1f17e7af1da1" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_6ca2faa3-bf60-44d8-b3de-6a94b890a93e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_90d2075e-4df2-4d84-89b7-00fd3b1090f0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_6ca2faa3-bf60-44d8-b3de-6a94b890a93e" xlink:to="loc_us-gaap_SegmentDomain_90d2075e-4df2-4d84-89b7-00fd3b1090f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_ReportableSegmentMember_6fcb3764-8d0a-4b42-8a4b-4f9d81c37dfc" xlink:href="slm-20241231.xsd#slm_ReportableSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_90d2075e-4df2-4d84-89b7-00fd3b1090f0" xlink:to="loc_slm_ReportableSegmentMember_6fcb3764-8d0a-4b42-8a4b-4f9d81c37dfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_ff729d26-39ad-46bb-985c-1f17e7af1da1" xlink:to="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_e84be62a-6dcc-4e20-a80c-eb60562ca26f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_LaborAndRelatedExpense_e84be62a-6dcc-4e20-a80c-eb60562ca26f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_70602ee8-4273-4273-a176-db9c77bec678" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProfessionalFees"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_ProfessionalFees_70602ee8-4273-4273-a176-db9c77bec678" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InformationTechnologyAndDataProcessing_e2155ff7-94c2-426d-9a97-748a0816c7b3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InformationTechnologyAndDataProcessing"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_InformationTechnologyAndDataProcessing_e2155ff7-94c2-426d-9a97-748a0816c7b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_eaa2960c-af05-4b3c-b30a-e479fc4a8552" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_eaa2960c-af05-4b3c-b30a-e479fc4a8552" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherExpenses_49bba632-8b3f-4205-b614-aaeecf6b0309" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherExpenses"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_OtherExpenses_49bba632-8b3f-4205-b614-aaeecf6b0309" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_d8f251d0-790d-4ac6-8f6c-4dd6a7f2ca3b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingExpenses"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_OperatingExpenses_d8f251d0-790d-4ac6-8f6c-4dd6a7f2ca3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_99c26536-436c-46ca-bf43-8880f921c73d" xlink:href="slm-20241231.xsd#slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets_99c26536-436c-46ca-bf43-8880f921c73d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_22700d5d-6a11-476f-b90f-e7a9d08cef1e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NoninterestExpense"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9fb4f074-d76b-464e-b50b-2dfd621ab12d" xlink:to="loc_us-gaap_NoninterestExpense_22700d5d-6a11-476f-b90f-e7a9d08cef1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.salliemae.com/role/SubsequentEventsDetails" xlink:type="simple" xlink:href="slm-20241231.xsd#SubsequentEventsDetails"/>
  <link:presentationLink xlink:role="http://www.salliemae.com/role/SubsequentEventsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsAbstract_05d86ba2-0be1-42b5-8308-018c5b9ff1ee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventsAbstract_05d86ba2-0be1-42b5-8308-018c5b9ff1ee" xlink:to="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_44eb4cb9-4cd9-4f93-af9a-2fa62b93103e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_44eb4cb9-4cd9-4f93-af9a-2fa62b93103e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_12d9b5b6-5658-4bbc-9df7-31dd295c5d98" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_44eb4cb9-4cd9-4f93-af9a-2fa62b93103e" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_12d9b5b6-5658-4bbc-9df7-31dd295c5d98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_PrivateEducationLoansMember_75923f98-c01f-44a1-a3c8-87186cf4e166" xlink:href="slm-20241231.xsd#slm_PrivateEducationLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_12d9b5b6-5658-4bbc-9df7-31dd295c5d98" xlink:to="loc_slm_PrivateEducationLoansMember_75923f98-c01f-44a1-a3c8-87186cf4e166" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_17508783-6072-4878-93de-7172387a467f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_17508783-6072-4878-93de-7172387a467f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_cf5b0eac-0a58-4f1f-b200-2c03ce7996d3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_17508783-6072-4878-93de-7172387a467f" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_cf5b0eac-0a58-4f1f-b200-2c03ce7996d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_4f495644-cb85-4fd4-8dfc-1d909307184f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_cf5b0eac-0a58-4f1f-b200-2c03ce7996d3" xlink:to="loc_us-gaap_SubsequentEventMember_4f495644-cb85-4fd4-8dfc-1d909307184f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_ba82e90c-cb7b-436c-b6e9-920278e6c3c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_ba82e90c-cb7b-436c-b6e9-920278e6c3c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_dc5972ad-1546-4e65-bdc2-d3f03a57eb05" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_ba82e90c-cb7b-436c-b6e9-920278e6c3c3" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_dc5972ad-1546-4e65-bdc2-d3f03a57eb05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_eafdf9de-5591-4580-a4d9-70a05e5cdd20" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_dc5972ad-1546-4e65-bdc2-d3f03a57eb05" xlink:to="loc_us-gaap_UnsecuredDebtMember_eafdf9de-5591-4580-a4d9-70a05e5cdd20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_7f7766d5-b2a6-4421-86ad-74f17e3ee142" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:to="loc_us-gaap_DebtInstrumentAxis_7f7766d5-b2a6-4421-86ad-74f17e3ee142" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_5cdd9fc8-ed78-4d0f-8e94-bfd985fa7a7b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_7f7766d5-b2a6-4421-86ad-74f17e3ee142" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_5cdd9fc8-ed78-4d0f-8e94-bfd985fa7a7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueOctober292025Member_2f6f9d0c-5492-4edc-8adc-90e2f4c1cd1a" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueOctober292025Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_5cdd9fc8-ed78-4d0f-8e94-bfd985fa7a7b" xlink:to="loc_slm_SeniorUnsecuredNotesDueOctober292025Member_2f6f9d0c-5492-4edc-8adc-90e2f4c1cd1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember_f1e249e2-a332-49e6-bded-5d4a6a7a48e6" xlink:href="slm-20241231.xsd#slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_5cdd9fc8-ed78-4d0f-8e94-bfd985fa7a7b" xlink:to="loc_slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember_f1e249e2-a332-49e6-bded-5d4a6a7a48e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_42d994ac-3b8f-42e4-b27a-bf68d519cc71" xlink:to="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_d442b9b5-7ce5-41a9-acbd-ac29445bf477" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_d442b9b5-7ce5-41a9-acbd-ac29445bf477" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_c108ca26-831b-41c7-905c-0a77ead13d21" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_c108ca26-831b-41c7-905c-0a77ead13d21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_892bd7a3-d732-462b-9f23-3aea8dc71f15" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RepaymentsOfLongTermDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_RepaymentsOfLongTermDebt_892bd7a3-d732-462b-9f23-3aea8dc71f15" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPricePercentage_a2dd4b66-2c67-43f4-95e5-29c4d7db6df0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentRedemptionPricePercentage"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPricePercentage_a2dd4b66-2c67-43f4-95e5-29c4d7db6df0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_0d7d19f0-4123-4465-a04c-7a735a7172b6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_0d7d19f0-4123-4465-a04c-7a735a7172b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableSale_0a9c217b-ca77-4a79-bc6d-2488bc424bae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancingReceivableSale"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_us-gaap_FinancingReceivableSale_0a9c217b-ca77-4a79-bc6d-2488bc424bae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSalePrincipal_c9c5fc26-7d45-472d-812c-36be899e188a" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSalePrincipal"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_slm_FinancingReceivableSalePrincipal_c9c5fc26-7d45-472d-812c-36be899e188a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSaleCapitalizedInterest_cef08533-1b04-4cb8-8136-e962d8019387" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSaleCapitalizedInterest"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_slm_FinancingReceivableSaleCapitalizedInterest_cef08533-1b04-4cb8-8136-e962d8019387" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_slm_FinancingReceivableSaleAccruedInterest_eca7dd05-dc38-47c9-a2dc-b1c90bc9cf18" xlink:href="slm-20241231.xsd#slm_FinancingReceivableSaleAccruedInterest"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_da0788ea-a170-4e92-818e-30733ae489c1" xlink:to="loc_slm_FinancingReceivableSaleAccruedInterest_eca7dd05-dc38-47c9-a2dc-b1c90bc9cf18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#AwardTimingDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgDiscLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgMnpiDiscTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgMnpiCnsdrdFlag"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MnpiDiscTimedForCompValFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_us-gaap_AwardTypeAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_EmployeeStockOptionMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardUndrlygSecuritiesAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardExrcPrice" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardExrcPrice"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardExrcPrice" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardGrantDateFairValue" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardGrantDateFairValue"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardGrantDateFairValue" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ErrCompDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RecoveryOfErrCompDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ErrCompRecoveryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompRecoveryTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RestatementDateAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_RestatementDateAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonNeosMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonNeosMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="loc_ecd_NonNeosMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RestatementDeterminationDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDeterminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtErrCompAmt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OutstandingAggtErrCompAmt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingAggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OutstandingRecoveryIndName"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OutstandingRecoveryCompAmt"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#PvpDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PvpTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_ExecutiveCategoryAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllExecutiveCategoriesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="loc_ecd_AllExecutiveCategoriesMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_PeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonPeoNeoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_NonPeoNeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToCompAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_AdjToCompAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllAdjToCompMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AdjToCompAxis" xlink:to="loc_ecd_AllAdjToCompMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtPnsnAdjsSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PnsnAdjsSvcCstMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PnsnAdjsPrrSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsAdjsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_EqtyAwrdsAdjsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MeasureAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_MeasureAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PvpTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CoSelectedMeasureName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NamedExecutiveOfficersFnTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeerGroupIssuersFnTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ChangedPeerGroupFnTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoTotalCompAmt"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToPeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToPeoCompFnTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToPeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonPeoNeoAvgTotalCompAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonPeoNeoAvgCompActuallyPaidAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsOtherMeasureTextBlock"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TabularListTableTextBlock"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TabularListTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TotalShareholderRtnAmt"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeerGroupTotalShareholderRtnAmt"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_us-gaap_NetIncomeLoss" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OtherPerfMeasureAmt"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_OtherPerfMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToCompAmt"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoName"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MeasureName"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_MeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonGaapMeasureDescriptionTextBlock"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PnsnBnftsAdjFnTextBlock"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsAdjFnTextBlock"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#InsiderTradingArrangements"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingArrLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTradingArrLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrByIndTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TradingArrByIndTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TradingArrByIndTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TradingArrAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_TradingArrAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllTradingArrangementsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrAxis" xlink:to="loc_ecd_AllTradingArrangementsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrIndName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndTitle" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrIndTitle"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndTitle" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_Rule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonRule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrAdoptionDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrAdoptionDate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrAdoptionDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonRule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrTerminationDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrTerminationDate"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrTerminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrExpirationDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrExpirationDate"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrExpirationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrDuration"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrDuration" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#InsiderTradingPoliciesProc"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTradingPoliciesProcLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTrdPoliciesProcAdoptedFlag"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>image_0.jpg
<TEXT>
begin 644 image_0.jpg
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MRY$ECL[LM-ZR\1BY R!W0.X R!T N0,@=P#D#H#< 9 [ '('Y([< 9 [('<
MY Z W &0.P!R!T#N ,@= +D#<D?N ,@=D#L!!$#N@-P!D#L <@= [@#('0"Y
M R!W .0.R!VY R!W0.X R!T N0,@=P#D#H#< 9 [ '('Y([< 9 [('< 0.Z
MW &0.P!R!T#N ,@= +D#('< Y [(';D#('= [@#('0"Y R!W .0.@-P!D#L
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MP0-R!T#N(<G8U;O>N.I8KERWW<.R+;F,7>*^+TY?EV<^N>P]>URS&N49Y Z
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M]E_?'KB70-P^'A0L5;QPL6F[N/9M-![[EP8@=P#D_K_.V'V[X\CWH>?+=;\
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M4P:0.R#WL.7NQF3?C8GJM,]-:="!W &Y W+_#>6N<@+S,6.B6-0X6^-'-4A
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MU5+/EQI3X]"E"4:K:ZWT]6]F*7<)6L]7:73\1*._)*)B405)K=KUU\\L_X(
M0.[PTTPFJH;X?5ND%G%)8JJ:J-7M>#*9<0P3+]:>BZ/9Z4?&46_WO( E]EFO
MEA6')BX]IYZW%C,FBN-V,/23TP2W W('  #D#@  R!T  +D#  !R!P  Y X
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M\\7GTOW!?R*"._^N?_W/,I1U1HNO)B8&[B8&[LGDN4-Q[.R0D>METK]E4T1
M'[MZ/OU8TS8#^_9*H+[.E,G$P-W$P#VIP-UY[:,M+3)<5"A]&S=,&-R[/_I
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M97C(;F(R,7 W,7!_Z<#=Q,3 W<3 W<#=Q,3 W<3 W<#=Q,3 W<3 W<#=Q,3
MW<3 W<3$P-W$Q,#=Q,3 W<3 W<#=Q,3 W<3 W<#=Q,3 W<3 W<#=Q,3 W<3
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MHDA^.G)%5J7FJYTNW)$MRYVM\G>>;O)^4W)NJ'Y>*+OC#H('<N=!FQYV)M,
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M['K= \WKQF,O#-R3&]RQ 9R.^OMMRM#9?JI8]8(T7BAW/G%G"L>![QN[<%X
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M0NNJU *]=8I"L4<--7 W<(\'N%.@WWFF1(';KPZ$OKX:[GQ..W]3'143D]^
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MO6_.7[YICLL<.*!^RBSY\XAY5PA@N'7IK6'>WR9WKZ#M6IEF<.?%7A*P/"(
M_5O6";5!>R>R'Y-EH<,TL>]AIF'A;,L])<!;9]*.G->-.?'"OIU\^*PPW],*
MCBOVE9NOMA;J_5#=0ATHCJV]4 &%@R@6=CM47K26,W+0P,8_6._8#OT.&<\T
MQ7-_)>"V.N68LAB>-^=XDYJ6#@O0'CGC7(75S>: ; J>/44.P-V%M6;S@2JS
M*OFHL)E#NDEX[L#[\6\T"-3=%Y:DA67Q%MS_'> .Z-Z7=X.VRYKZ);W2?"*
M#7BS9H*;4AU-F[^!&'WV>X$R><PUFP]4ZYI/DOT(.4LO>[)/^?>^XGIEVYAK
MUV<>-\MEKWXK#!S[^BO+,D+. _C /H(L8;HY?+I5-7L.$2O3#.Z82UB,;-*L
MHQ?4<0,SF.MC@_9.9L"?O^%%XG0$J%Z5S_%2,:],O/@YP AP\;> V#Q7O9R]
M,+PI@L.@7 X@&$4L@ S[/P<;K!KSTK>B%81][@7.<S/N^4O3]3EXKO^NRQ'
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M#63-UP58SPA#9A$NVUMNWO\UU[RR/&/\\S1-#W[MT^NEI>GF[37[S?<[2O1
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MF 4[2Y2Y5LF&(I+BL4\86CQLZ[!C0/VJ/&]58X=)/GQ6572 ?6X,YSO<N^#
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MDXWI#JG%7;VEM<IQE+_C$Y:*9H-#_:,->=IV[MJM^SK>Z2H_C-F)=T9TDSK
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M '*?>K0&0/&)EH#IL@WMBM%LNH0]-V+%_F$]YE9VDR[J5?Q:+= _@8K<D3L
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M R!W .0.@-P!D#L@=^0.@-P!N2-W .0.R!T N0,@=P#D#H#< 9 [ '('0.Z
MW)$[ '('Y Z W &0.P!R!T#N ,@= +D#&/\%  #__^W4,0J"  "%8>]_$E?'
M: L'5X<26G)5(H(40;#7"1H%A^^#=X$W_,E^BL#!S,N:YWO*]3'DU-Q3GMN_
MJRZWU&V?KA\SO#[9MJ\#0=P1=Q!W$'<0=Q!W$'<0=Q!WQ%W<0=P1=Q!W$'<0
M=Q!W$'<0=Q!WQ%W<0=P1=T#<$7<0=Q!W$'<0=Q!W$'<0=\1=W$'<$7<0=Q!W
G$'<0=Q!W$'<0=\1=W$'<$7<@/P=Z*PV-T Z7     $E%3D2N0F""

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>image_0a.jpg
<TEXT>
begin 644 image_0a.jpg
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M0HP.($:@!H@1J %BK!_$I1U C)LEY_ VQD0_6=\%Q+A9X/ N <0(U  Q C5
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M39F9?^W,<\E:O,=,"9C"V+Y6L/@Y4 .JD $U0(Q #1 C4 /$"-0 ,0(U0(Q
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:0 ?&F/\#9?-[RZ2U'Y8     245.1*Y"8((!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>17
<FILENAME>slm-20241231_g1.jpg
<TEXT>
begin 644 slm-20241231_g1.jpg
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MMJDX11P=L<:_>EE<C:D2!G=B%4$D"O-_^"9O[??A'_@IC^R;I?[6_@/P%?\
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M<1VM_8N8S<Q)^\> C<J DG. 0#Z_HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MB*]UKQ!=0B ZA=744,44<$**'BC WAQSD,30!^@E%%% !1110 4444 %%%%
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MS5_AOIPU>_N'+27=S#$())W)ZO(T1=CW+&OH^@ HHHH **** "BBB@ HHHH
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M_@?_ (+F?%CX"?LC_L5^"/'&J>%/#/Q?TCQ[\:?&>O\ @?4-'L/#UAI8D?\
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M10 4444 %%%% !1110 445YY^T!_QY:9_P!=9?Y+0!Z'17S?10!](45\WT4
M?2%%?-]% 'TA17S?10!](45\WT4 ?2%%?-]% 'TA17S?7M7P?_Y)_9?[TO\
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M !1110 56UG_ ) ]W_U[2?\ H)JS5;6?^0/=_P#7M)_Z": /GBBBB@ HHHH
M**** "BBB@ HHHH **** "NQ^!__ ".I_P"O*3^:UQU=C\#_ /D=3_UY2?S6
M@#U^BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH \@^.'_ ".H_P"O*/\ FU<=78_'#_D=1_UY1_S:N.H
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** /(/CA_R.H_Z\H_YM7'5X]_P4:^/GQ:^&W[0R>'/!?BS[%9G0+:
M7R?L$$GSLTH)S)&Q[#O7@O\ PUW^T/\ ]%"_\I-I_P#&J /MNBOB3_AKO]H?
M_HH7_E)M/_C5'_#7?[0__10O_*3:?_&J /MNBOB3_AKO]H?_ **%_P"4FT_^
M-4?\-=_M#_\ 10O_ "DVG_QJ@#[;HKXD_P"&N_VA_P#HH7_E)M/_ (U1_P -
M=_M#_P#10O\ RDVG_P :H ^VZ*^)/^&N_P!H?_HH7_E)M/\ XU1_PUW^T/\
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MI)17YMT4 ?KC^S__ ,>6I_\ 76+^35Z'7QK_ ,$??^15\<_]A"Q_] FK[*H
M**** "BBB@ HHHH **** "BBB@ KP/QM_P CCJO_ &$9O_0S7OE?D/\ M1_\
MG*>/_P#L<M2_]*9* /NBBOS;HH _22BOS;HH _22BOS;HH _22BOS;HH _22
MBOS;HH _22BOS;HH _3CP3_R..E?]A&'_P!#%>^5^0_[+G_)RG@#_L<M-_\
M2F.OUXH **** "BBB@ HHHH **** "BBB@ KSS]H#_CRTS_KK+_):]#KXU_X
M+!?\BKX&_P"PA??^@0T =U17YMT4 ?I)17YMT4 ?I)17YMT4 ?I)17YMT4 ?
MI)17YMT4 ?I)17YMT4 ?I)7M7P?_ .2?V7^]+_Z,:OQQK]0?^";W_)GGA;_K
MMJ'_ *73T >YT444 %%%% !1110 4444 %%%% !5;6?^0/=_]>TG_H)JS6'\
M3O\ DFWB'_L!W?\ Z)>@#PNBOS;HH _22BOS;HH _22BOS;HH _22BOS;HH
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MN5A_#'_DFWA[_L!VG_HE*W* "BBB@ HHHH **** "BBB@ HHHH \,_X*0_\
M)GGBG_KMI_\ Z705^7U?J#_P4A_Y,\\4_P#7;3__ $N@K\OJ "BBB@ HHHH
M**** "BBB@ HHHH **** /NK_@C[_P BKXY_["%C_P"@35]E5\:_\$??^15\
M<_\ 80L?_0)J^RJ "BBB@ HHHH **** "BBB@ HHHH *_(?]J/\ Y.4\?_\
M8Y:E_P"E,E?KQ7Y#_M1_\G*>/_\ L<M2_P#2F2@#@Z*** "BBB@ HHHH ***
M* "BBB@ HHHH [S]ES_DY3P!_P!CEIO_ *4QU^O%?D/^RY_R<IX _P"QRTW_
M -*8Z_7B@ HHHH **** "BBB@ HHHH **** "OC7_@L%_P BKX&_["%]_P"@
M0U]E5\:_\%@O^15\#?\ 80OO_0(: /A6BBB@ HHHH **** "BBB@ HHHH **
M** "OU!_X)O?\F>>%O\ KMJ'_I=/7Y?5^H/_  3>_P"3//"W_7;4/_2Z>@#W
M.BBB@ HHHH **** "BBB@ HHHH *P_B=_P DV\0_]@.[_P#1+UN5A_$[_DFW
MB'_L!W?_ *)>@#\9Z*** "BBB@ HHHH **** "BBB@ HHHH *^D_^"5O_)T+
M_P#8LW?_ *'%7S97TG_P2M_Y.A?_ +%F[_\ 0XJ /TAHHHH **** "BBB@ H
MHHH **** "BBB@ H(# JPR#U!HHH ^ [+_@B3\3_ ('W_B7P?^P%_P %-_B9
M\#OACXNU6XU'5/AGH_A_3-4MM,FN#F<:3<W<9FTM6)) B)*L<@] /7=$_P""
M6_PU^$7_  3LO/\ @GG^R=\8O&_PLM;F)73XC^&]9=?$8O6NX[FXOWNT,;-<
M3E&1V&T;)"BA4"J/I^B@#YP_:^_X)L_#K]LS]G/P7\&_B)\4_%NF^*_AS=Z=
MJG@;XL:+?B/7M*UFSB$:ZBLKAA(TF"94?(?=G(94=>._9C_X)5>(_A_^U'I_
M[:W[9/[9GBWX^_$KPUH=QH_@/4?$.@V&CZ?X9M;A=MQ):V-BBQBYE3]V\Y.Y
MD)!&<$?8%% !1110 4444 %%%% !1110 4444 ?F]_P52_Y.A3_L6;3_ -#E
MKYLKZ3_X*I?\G0I_V+-I_P"ARU\V4 %%%% !1110 4444 %%%% !1110 444
M4 ?LQ\,?^2;>'O\ L!VG_HE*W*P_AC_R3;P]_P!@.T_]$I6Y0 4444 %%%%
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M0?\ @F]_R9YX6_Z[:A_Z73T >YT444 %%%% !1110 4444 %%%% !6'\3O\
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M%%% !1110 4444 %%%% !1110!WG[+G_ "<IX _['+3?_2F.OUXK\A_V7/\
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M110!WG[+G_)RG@#_ +'+3?\ TICK]>*_(?\ 9<_Y.4\ ?]CEIO\ Z4QU^O%
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M/_7;3_\ TN@K\OJ_4'_@I#_R9YXI_P"NVG_^ET%?E]0 4444 %%%% !1110
M4444 %%%% !1110!]U?\$??^15\<_P#80L?_ $":OLJOC7_@C[_R*OCG_L(6
M/_H$U?95 !1110 4444 %%%% !1110 4444 %?D/^U'_ ,G*>/\ _L<M2_\
M2F2OUXK\A_VH_P#DY3Q__P!CEJ7_ *4R4 <'1110 4444 %%%% !1110 444
M4 %%%% '>?LN?\G*> /^QRTW_P!*8Z_7BOR'_9<_Y.4\ ?\ 8Y:;_P"E,=?K
MQ0 4444 %%%% !1110 4444 %%%% !7QK_P6"_Y%7P-_V$+[_P! AK[*KXU_
MX+!?\BKX&_["%]_Z!#0!\*T444 %%%% !1110 4444 %%%% !1110 5^H/\
MP3>_Y,\\+?\ 7;4/_2Z>OR^K]0?^";W_ "9YX6_Z[:A_Z73T >YT444 %%%%
M !1110 4444 %%%% !6'\3O^2;>(?^P'=_\ HEZW*P_B=_R3;Q#_ -@.[_\
M1+T ?C/1110 4444 %%%% !1110 4444 %%%% !7TG_P2M_Y.A?_ +%F[_\
M0XJ^;*^D_P#@E;_R="__ &+-W_Z'%0!^D-%%% !1110 4444 %%%% !1110
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M#_#;0?&Z^(KW6O$%U"(#J%U=10Q11P0HH>*,#>''.0Q-?H)10 4444 %%%%
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M*OCG_L(6/_H$U?95 !1110 4444 %%%% !1110 4444 %?D/^U'_ ,G*>/\
M_L<M2_\ 2F2OUXK\A_VH_P#DY3Q__P!CEJ7_ *4R4 <'1110 4444 %%%% !
M1110 4444 %%%% '>?LN?\G*> /^QRTW_P!*8Z_7BOR'_9<_Y.4\ ?\ 8Y:;
M_P"E,=?KQ0 4444 %%%% !1110 4444 %%%% !7QK_P6"_Y%7P-_V$+[_P!
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M  52_P"3H4_[%FT_]#EKYLKZ3_X*I?\ )T*?]BS:?^ARU\V4 %%%% !1110
M4444 %%%% !1110 4444 ?LQ\,?^2;>'O^P':?\ HE*W*P_AC_R3;P]_V [3
M_P!$I6Y0 4444 %%%% !1110 4444 %%%% 'AG_!2'_DSSQ3_P!=M/\ _2Z"
MOR^K]0?^"D/_ "9YXI_Z[:?_ .ET%?E]0 4444 %%%% !1110 4444 %%%%
M!1110!]U?\$??^15\<_]A"Q_] FK[*KXU_X(^_\ (J^.?^PA8_\ H$U?95 !
M1110 4444 %%%% !1110 4444 %?D/\ M1_\G*>/_P#L<M2_]*9*_7BOR'_:
MC_Y.4\?_ /8Y:E_Z4R4 <'1110 4444 %%%% !1110 4444 %%%% '>?LN?\
MG*> /^QRTW_TICK]>*_(?]ES_DY3P!_V.6F_^E,=?KQ0 4444 %%%% !1110
M 4444 %%%% !7QK_ ,%@O^15\#?]A"^_] AK[*KXU_X+!?\ (J^!O^PA??\
MH$- 'PK1110 4444 %%%% !1110 4444 %%%% !7Z@_\$WO^3//"W_7;4/\
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M'PQ_Y)MX>_[ =I_Z)2MRL/X8_P#)-O#W_8#M/_1*5N4 %%%% !1110 4444
M%%%% !1110!X9_P4A_Y,\\4_]=M/_P#2Z"OR^K]0?^"D/_)GGBG_ *[:?_Z7
M05^7U !1110 4444 %%%% !1110 4444 %%%% 'W5_P1]_Y%7QS_ -A"Q_\
M0)J^RJ^-?^"/O_(J^.?^PA8_^@35]E4 %%%% !1110 4444 %%%% !1110 5
M^0_[4?\ R<IX_P#^QRU+_P!*9*_7BOR'_:C_ .3E/'__ &.6I?\ I3)0!P=%
M%% !1110 4444 %%%% !1110 4444 =Y^RY_R<IX _['+3?_ $ICK]>*_(?]
MES_DY3P!_P!CEIO_ *4QU^O% !1110 4444 %%%% !1110 4444 %?&O_!8+
M_D5? W_80OO_ $"&OLJOC7_@L%_R*O@;_L(7W_H$- 'PK1110 4444 %%%%
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MQ%&SX_';0!X%^T'_ ,%??^"9O[*OQ@7X!?M _MF>#/#7B\&,7.BW=X\CV1<
MH+IXD9+0E65L3,GRL&Z$&OH;0]<T7Q-HMGXD\-ZO:ZAIVH6L=S87]C<++#<P
MR*&26-U)5T92&# D$$$5^='_  ;I? ;X;_%S_@D+:_%[XU^"M)\4>(/VA]<\
M2:_\6+W6+!+@Z_+-JUY;[)RX)DC$4*80G:K,Y !8D[G_  ;6^*/$!_8"\2_
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M_P#10M$_\&D7_P 50!O45@_\+3^&?_10M$_\&D7_ ,51_P +3^&?_10M$_\
M!I%_\50!^VWPQ_Y)MX>_[ =I_P"B4K<KY?\  O\ P58_X)[:-X(T;1]2_:>T
M2.XM-*MX;B/[+=':ZQ*K#(A(."#R.*U?^'M7_!.G_HZ31/\ P#N__C- 'T71
M7SI_P]J_X)T_]'2:)_X!W?\ \9H_X>U?\$Z?^CI-$_\  .[_ /C- 'T717SI
M_P /:O\ @G3_ -'2:)_X!W?_ ,9H_P"'M7_!.G_HZ31/_ .[_P#C- 'T717S
MI_P]J_X)T_\ 1TFB?^ =W_\ &:/^'M7_  3I_P"CI-$_\ [O_P",T ?1=%?.
MG_#VK_@G3_T=)HG_ (!W?_QFC_A[5_P3I_Z.DT3_ , [O_XS0!]%T5\Z?\/:
MO^"=/_1TFB?^ =W_ /&:/^'M7_!.G_HZ31/_  #N_P#XS0!L?\%(?^3//%/_
M %VT_P#]+H*_+ZOM/]MG_@I!^P_\7?V;=?\  'P\_:*T34-7O9;,VUIY<\6\
M)=12-\TL:J,*K'DCIQS7P=_PM/X9_P#10M$_\&D7_P 50!O45@_\+3^&?_10
MM$_\&D7_ ,51_P +3^&?_10M$_\ !I%_\50!O45@_P#"T_AG_P!%"T3_ ,&D
M7_Q5'_"T_AG_ -%"T3_P:1?_ !5 &]16#_PM/X9_]%"T3_P:1?\ Q5'_  M/
MX9_]%"T3_P &D7_Q5 &]16#_ ,+3^&?_ $4+1/\ P:1?_%4?\+3^&?\ T4+1
M/_!I%_\ %4 ;U%8/_"T_AG_T4+1/_!I%_P#%4?\ "T_AG_T4+1/_  :1?_%4
M ;U%8/\ PM/X9_\ 10M$_P#!I%_\51_PM/X9_P#10M$_\&D7_P 50!^A'_!'
MW_D5?'/_ &$+'_T":OLJOS=_X)N_MT_LC_ /0/%=E\6?COHFDRZE>6KV2[Y)
M_,5$D#',*N!@L.N.M?2__#VK_@G3_P!'2:)_X!W?_P 9H ^BZ*^=/^'M7_!.
MG_HZ31/_  #N_P#XS1_P]J_X)T_]'2:)_P" =W_\9H ^BZ*^=/\ A[5_P3I_
MZ.DT3_P#N_\ XS1_P]J_X)T_]'2:)_X!W?\ \9H ^BZ*^=/^'M7_  3I_P"C
MI-$_\ [O_P",T?\ #VK_ ()T_P#1TFB?^ =W_P#&: /HNBOG3_A[5_P3I_Z.
MDT3_ , [O_XS1_P]J_X)T_\ 1TFB?^ =W_\ &: /HNBOG3_A[5_P3I_Z.DT3
M_P  [O\ ^,T?\/:O^"=/_1TFB?\ @'=__&: /HNOR'_:C_Y.4\?_ /8Y:E_Z
M4R5]V_\ #VK_ ()T_P#1TFB?^ =W_P#&:_.7X]?'GX+^-/C?XO\ %_AGXH:)
M<Z=JGB6]N["X_M!$\V&2=V1MKD,N5(." 1W% %"BL'_A:?PS_P"BA:)_X-(O
M_BJ/^%I_#/\ Z*%HG_@TB_\ BJ -ZBL'_A:?PS_Z*%HG_@TB_P#BJ/\ A:?P
MS_Z*%HG_ (-(O_BJ -ZBL'_A:?PS_P"BA:)_X-(O_BJ/^%I_#/\ Z*%HG_@T
MB_\ BJ -ZBL'_A:?PS_Z*%HG_@TB_P#BJ/\ A:?PS_Z*%HG_ (-(O_BJ -ZB
ML'_A:?PS_P"BA:)_X-(O_BJ/^%I_#/\ Z*%HG_@TB_\ BJ -ZBL'_A:?PS_Z
M*%HG_@TB_P#BJ/\ A:?PS_Z*%HG_ (-(O_BJ /6OV7/^3E/ '_8Y:;_Z4QU^
MO%?BU\!?CS\%_!?QO\(>+_$WQ0T2VT[2_$ME=W]Q_:"/Y4,<Z,[;4)9L*"<
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M:ND84YF5 <E3TSTH ^;:*P?^%I_#/_HH6B?^#2+_ .*H_P"%I_#/_HH6B?\
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M_P#1TFB?^ =W_P#&: /HNBOG3_A[5_P3I_Z.DT3_ , [O_XS1_P]J_X)T_\
M1TFB?^ =W_\ &: /HNBOG3_A[5_P3I_Z.DT3_P  [O\ ^,T?\/:O^"=/_1TF
MB?\ @'=__&: /HNBOG3_ (>U?\$Z?^CI-$_\ [O_ .,T?\/:O^"=/_1TFB?^
M =W_ /&: /HNBOG3_A[5_P $Z?\ HZ31/_ .[_\ C-'_  ]J_P""=/\ T=)H
MG_@'=_\ QF@#Z+K#^)W_ "3;Q#_V [O_ -$O7B'_  ]J_P""=/\ T=)HG_@'
M=_\ QFLKQU_P58_X)[:SX(UG1]-_:>T22XN]*N(;>/[+=#<[1,JC)A &21R>
M* /SKHK!_P"%I_#/_HH6B?\ @TB_^*H_X6G\,_\ HH6B?^#2+_XJ@#>HK!_X
M6G\,_P#HH6B?^#2+_P"*H_X6G\,_^BA:)_X-(O\ XJ@#>HK!_P"%I_#/_HH6
MB?\ @TB_^*H_X6G\,_\ HH6B?^#2+_XJ@#>HK!_X6G\,_P#HH6B?^#2+_P"*
MH_X6G\,_^BA:)_X-(O\ XJ@#>HK!_P"%I_#/_HH6B?\ @TB_^*H_X6G\,_\
MHH6B?^#2+_XJ@#>HK!_X6G\,_P#HH6B?^#2+_P"*H_X6G\,_^BA:)_X-(O\
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M_P#PS)^S;_T;WX'_ /"3L_\ XW1_PS)^S;_T;WX'_P#"3L__ (W7<44 </\
M\,R?LV_]&]^!_P#PD[/_ .-T?\,R?LV_]&]^!_\ PD[/_P"-UW%% '#_ /#,
MG[-O_1O?@?\ \).S_P#C='_#,G[-O_1O?@?_ ,).S_\ C==Q10!P_P#PS)^S
M;_T;WX'_ /"3L_\ XW1_PS)^S;_T;WX'_P#"3L__ (W7<44 </\ \,R?LV_]
M&]^!_P#PD[/_ .-T?\,R?LV_]&]^!_\ PD[/_P"-UW%% '#_ /#,G[-O_1O?
M@?\ \).S_P#C='_#,G[-O_1O?@?_ ,).S_\ C==Q10!P_P#PS)^S;_T;WX'_
M /"3L_\ XW1_PS)^S;_T;WX'_P#"3L__ (W7<44 </\ \,R?LV_]&]^!_P#P
MD[/_ .-T?\,R?LV_]&]^!_\ PD[/_P"-UW%% '#_ /#,G[-O_1O?@?\ \).S
M_P#C='_#,G[-O_1O?@?_ ,).S_\ C==Q10!P_P#PS)^S;_T;WX'_ /"3L_\
MXW1_PS)^S;_T;WX'_P#"3L__ (W7<44 </\ \,R?LV_]&]^!_P#PD[/_ .-T
M?\,R?LV_]&]^!_\ PD[/_P"-UW%% '#_ /#,G[-O_1O?@?\ \).S_P#C='_#
M,G[-O_1O?@?_ ,).S_\ C==Q10!P_P#PS)^S;_T;WX'_ /"3L_\ XW1_PS)^
MS;_T;WX'_P#"3L__ (W7<44 </\ \,R?LV_]&]^!_P#PD[/_ .-T?\,R?LV_
M]&]^!_\ PD[/_P"-UW%% '#_ /#,G[-O_1O?@?\ \).S_P#C='_#,G[-O_1O
M?@?_ ,).S_\ C==Q10!P_P#PS)^S;_T;WX'_ /"3L_\ XW1_PS)^S;_T;WX'
M_P#"3L__ (W7<44 </\ \,R?LV_]&]^!_P#PD[/_ .-T?\,R?LV_]&]^!_\
MPD[/_P"-UW%% '#_ /#,G[-O_1O?@?\ \).S_P#C='_#,G[-O_1O?@?_ ,).
MS_\ C==Q10!P_P#PS)^S;_T;WX'_ /"3L_\ XW1_PS)^S;_T;WX'_P#"3L__
M (W7<44 </\ \,R?LV_]&]^!_P#PD[/_ .-T?\,R?LV_]&]^!_\ PD[/_P"-
MUW%% '#_ /#,G[-O_1O?@?\ \).S_P#C='_#,G[-O_1O?@?_ ,).S_\ C==Q
M10!P_P#PS)^S;_T;WX'_ /"3L_\ XW1_PS)^S;_T;WX'_P#"3L__ (W7<44
M</\ \,R?LV_]&]^!_P#PD[/_ .-T?\,R?LV_]&]^!_\ PD[/_P"-UW%% '#_
M /#,G[-O_1O?@?\ \).S_P#C='_#,G[-O_1O?@?_ ,).S_\ C==Q10!P_P#P
MS)^S;_T;WX'_ /"3L_\ XW1_PS)^S;_T;WX'_P#"3L__ (W7<44 </\ \,R?
MLV_]&]^!_P#PD[/_ .-T?\,R?LV_]&]^!_\ PD[/_P"-UW%% '#_ /#,G[-O
M_1O?@?\ \).S_P#C='_#,G[-O_1O?@?_ ,).S_\ C==Q10!P_P#PS)^S;_T;
MWX'_ /"3L_\ XW1_PS)^S;_T;WX'_P#"3L__ (W7<44 </\ \,R?LV_]&]^!
M_P#PD[/_ .-T?\,R?LV_]&]^!_\ PD[/_P"-UW%% '#_ /#,G[-O_1O?@?\
M\).S_P#C='_#,G[-O_1O?@?_ ,).S_\ C==Q10!P_P#PS)^S;_T;WX'_ /"3
ML_\ XW1_PS)^S;_T;WX'_P#"3L__ (W7<44 </\ \,R?LV_]&]^!_P#PD[/_
M .-T?\,R?LV_]&]^!_\ PD[/_P"-UW%% '#_ /#,G[-O_1O?@?\ \).S_P#C
M='_#,G[-O_1O?@?_ ,).S_\ C==Q10!P_P#PS)^S;_T;WX'_ /"3L_\ XW1_
MPS)^S;_T;WX'_P#"3L__ (W7<44 </\ \,R?LV_]&]^!_P#PD[/_ .-T?\,R
M?LV_]&]^!_\ PD[/_P"-UW%% '#_ /#,G[-O_1O?@?\ \).S_P#C='_#,G[-
MO_1O?@?_ ,).S_\ C==Q10!P_P#PS)^S;_T;WX'_ /"3L_\ XW1_PS)^S;_T
M;WX'_P#"3L__ (W7<44 </\ \,R?LV_]&]^!_P#PD[/_ .-T?\,R?LV_]&]^
M!_\ PD[/_P"-UW%% '#_ /#,G[-O_1O?@?\ \).S_P#C='_#,G[-O_1O?@?_
M ,).S_\ C==Q10!P_P#PS)^S;_T;WX'_ /"3L_\ XW1_PS)^S;_T;WX'_P#"
M3L__ (W7<44 </\ \,R?LV_]&]^!_P#PD[/_ .-T?\,R?LV_]&]^!_\ PD[/
M_P"-UW%% '#_ /#,G[-O_1O?@?\ \).S_P#C='_#,G[-O_1O?@?_ ,).S_\
MC==Q10!P_P#PS)^S;_T;WX'_ /"3L_\ XW1_PS)^S;_T;WX'_P#"3L__ (W7
M<44 </\ \,R?LV_]&]^!_P#PD[/_ .-T?\,R?LV_]&]^!_\ PD[/_P"-UW%%
M '#_ /#,G[-O_1O?@?\ \).S_P#C='_#,G[-O_1O?@?_ ,).S_\ C==Q10!P
M_P#PS)^S;_T;WX'_ /"3L_\ XW1_PS)^S;_T;WX'_P#"3L__ (W7<44 </\
M\,R?LV_]&]^!_P#PD[/_ .-T?\,R?LV_]&]^!_\ PD[/_P"-UW%% '#_ /#,
MG[-O_1O?@?\ \).S_P#C='_#,G[-O_1O?@?_ ,).S_\ C==Q10!P_P#PS)^S
M;_T;WX'_ /"3L_\ XW1_PS)^S;_T;WX'_P#"3L__ (W7<44 </\ \,R?LV_]
M&]^!_P#PD[/_ .-T?\,R?LV_]&]^!_\ PD[/_P"-UW%% '#_ /#,G[-O_1O?
M@?\ \).S_P#C='_#,G[-O_1O?@?_ ,).S_\ C==Q10!P_P#PS)^S;_T;WX'_
M /"3L_\ XW1_PS)^S;_T;WX'_P#"3L__ (W7<44 </\ \,R?LV_]&]^!_P#P
MD[/_ .-T?\,R?LV_]&]^!_\ PD[/_P"-UW%% '#_ /#,G[-O_1O?@?\ \).S
M_P#C='_#,G[-O_1O?@?_ ,).S_\ C==Q10!P_P#PS)^S;_T;WX'_ /"3L_\
MXW1_PS)^S;_T;WX'_P#"3L__ (W7<44 </\ \,R?LV_]&]^!_P#PD[/_ .-T
M?\,R?LV_]&]^!_\ PD[/_P"-UW%% '#_ /#,G[-O_1O?@?\ \).S_P#C='_#
M,G[-O_1O?@?_ ,).S_\ C==Q10!P_P#PS)^S;_T;WX'_ /"3L_\ XW1_PS)^
MS;_T;WX'_P#"3L__ (W7<44 </\ \,R?LV_]&]^!_P#PD[/_ .-T?\,R?LV_
M]&]^!_\ PD[/_P"-UW%% '#_ /#,G[-O_1O?@?\ \).S_P#C='_#,G[-O_1O
M?@?_ ,).S_\ C==Q10!P_P#PS)^S;_T;WX'_ /"3L_\ XW1_PS)^S;_T;WX'
M_P#"3L__ (W7<44 </\ \,R?LV_]&]^!_P#PD[/_ .-T?\,R?LV_]&]^!_\
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MK<I&S+'=&V%HTT8)*2%D)RM?J70 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !115+Q)H5EXI\.W_AG4GF6VU&REM;AK>4I($D0HQ5ARK8)P1T-
M 'ROXH_X+$?LQ6O_  4[\!?\$L?AS=Q^+O&_BB#5I?%.H:/J2-:^%&L]/GO$
M@N" PDN)!;NIA5E:(%6?[P4]'_P4(_X*4_#[]@S_ (0OP';?"[Q+\2/B=\3=
M5ET[X<?##P;$C7^L2Q*K3S.\A"6]M$K*9)FSM#9VD*Y7XS\?_L7?LP_L*_\
M!;/]@+X,?LJ_"#2_".@IHOQ.FN8[)6DN+^?^P%!GNKB0M+<RD #?(S-@  @
M =__ ,%6=.^)W[)__!2WX ?\%6[?X(>)_B%\-_!?A;6_"'Q$L_!NE-?ZEX;C
MO0QAU6.V3YI(\NZ2LOW43!.74$ ]O_98_P""GVK_ !1_:+B_8T_:Y_9*\5_
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M=+.W6O#?Q@\):GX<F3_60WR:BJ(Z'J&V22#(YP37Z*4 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 ?)O[7G_!4>Z^"/[2=A^Q-^R[^RGX
ML^.OQBN?#H\0:GX3\,ZK9Z99Z%I9D\M+B_U"]=8;8R-PB').1G;OCWZ7["O_
M  4UT3]KCXJ^,_V7_BO\ /%/P>^,WP_M(+WQ-\./%MQ;W+/83$".^LKNV9H;
MVVW,J&1,89E&"&!/<_'+7_V)_P!ABW\<_M^?&F/PMX(N;W2K:#QIX[N+=4O-
M3AMUV6MLS*#)<R#A(HE#.QPJ@GBOA+]F_P ,?M'?M,>./VD/^"ZGQ(^'6I_#
MRU\0_L^ZEX.^ /@W5(_+U7_A'8(WOUU2]0?ZJ6XN8HY(DZA';ED\N1P#T_Q!
M_P %U?%?B.+QI\7?V5O^";_Q-^+?P2^'6K7=AXK^+OAW6M-MHYVM#B[FTNPN
M)!<:I#%ALR1[0=K= ,U]G? _]HSX/?M$_ 'P_P#M._"KQE;W_@OQ+H":QINL
M/^[46K(68R!N8V3#*ZM@HR,IP0:^8_\ @WF\-^'M&_X(K? /2-(LX?LMSX.F
MN+B(("KRSWUS+/D=#F21\_4U\)?L6?&3QA\*/^#8/QG\-_AM=NVN>*/B1K_P
MN^%EL)#N>;6]=-A$L)[%/MES,,=/+)'- 'V=%_P7.\,']E+X-_&BV_96\5ZU
M\1OV@]0U*/X1?!CPIJ,=YJ6K65K/*%U":XFC@CM;<VRPW,C,"(EN ,N$=UZS
M]G+_ (*O^)O%O[56C?L1_ML?L6>+O@!\2/%^DW6H^ ;37/$.GZWI?B6*V3?<
M0VVH6#M$;F.,&1H2.%')!*JWK_AK]EO]D?\ 9J\%> _B%XG\*>&-/?X&_#U=
M!\.^.]<CB@DT+1X+-8)O](<@01-%'E\D#&<U\6?!?Q)XK_X+4?\ !3SX=?MS
M?#OPM?:/^S7^S4VM1_#WQ9JEH]O/\1/$-[$+6XN;6-P'73X!&NV0@;GCVX)=
MTA /JG_@IS_P5$_9I_X)8?L]WOQK^.WB"&YU6:)T\(^"+2]1-1\178QB*%3D
MI&"09)RI2-3DY8JC>V_!SXB0_%[X1>%?BQ;:4UC'XH\-V.KQV3RB1K=;FW28
M1E@!N*[\9P,XS@5\"_\ !>C]A']E33_V(?VFOVZ+CX1V-_\ %35?A@E@OBW5
M7>YFT^UA\F%8K-)"4M 5W;VB57?S'W,0<5]I?L6?\F<?";_LF>@_^F^"@#TR
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** /!OV__P#@H'\+
M?^"??PWT/Q3XR\(>(?%WB7QGXD@\._#[P!X/LUN-5\1ZK-G9;PHS*JJ ,O(Q
MVJ,#YF9%;Q_X6_\ !7GXA:+^T?X)_9E_;]_8#\:?L_ZM\4+I[/X;Z[JGBG3-
M>TC5[Y5#"QDNM/<K:W3Y 2)P2Q(&02,_4WQ-^"_P*\=^*/#7Q?\ BUX!T'4-
M5^'=Q<ZCX7\0:Q;H9-!DDB"SSQ2O_J<QJ S9 PO/2OSM\7?$._\ ^"Z7_!03
MX5P?LVZ;*_[-W[,'Q-A\8>(OBS)$5MO&'BRQ_P"//3M))_U\$+$F6<?(RNV,
M#R3, ?;G[>G[?/[-_P#P3E_9[U;]HC]I+QO;:;864$@TC2%G7[=KEX%)2RM(
MB<RRN<#CY47+N5168;W[&G[1]E^V!^RE\/?VI--\*2Z%;^/_  G9:Y#HT]V+
MA[);B(2"(R!5#E<XW!1GTKP'_@JS^PC^RI\0_@O\9_VW/B%\(['7OB1X<_9S
M\2:/X9UO6'>X31H(].U&<26L#DQ0SE[A\SA?-P% 8 8.S_P1Y\3Z%X)_X(S?
M 3QGXHU&.STS2/@EI5[J-W*<+!!%9+)(Y]E523]* (?B-_P5V^"_P5\1_M*:
MQ\8O#$VD_#[]FU-!M-7\9VFH?:9M=UC4;47!TRUM!$H$L7G6<63,0TET PC"
M,U>7ZO\ \%P_B[\$M*T#XR_MO?\ !++XH_![X-^(]2M;2#XGZIXBTO43I NG
M5()M5TZVD-SIT99E#&0%E+!0K,0IT/\ @DI^S!\-_P!IK_@G$/BU^U9\(]+\
M13?M _$G5OB[K.B>(;)9X8Y;Z^:73&"MQ^ZL8;'8?X<<< &O-O\ @JS\<=1_
MX*S>*]2_X(F?L+E->2]U>P?]HOXIVR"72/ NE6UY'<FR67[D^I2R6ZJ(5)V[
M'1L'S6@ /IW]M[_@IQH?[*_Q5\&?LP_!OX!>)_C-\8OB!ITVI^&OA[X/N[:V
MV:;$2KZA>WMRZPV=L6#(LC9W,I&  36=^Q]_P5*F^.O[2>J?L2?M/?LK>*_@
M5\9+#P[_ ,)!8>$/$^J6>I6FMZ5YGEM<V&H6;M#<['X=!@C#8+;)-GJ_C?P+
M^QU^RS/=_MG_ !,TKPMX6O/!WP_7P]J'Q(UK9'<6F@12)*MF]PWS-%YJHRQ\
MEI" H+-@_&7["MK\3O\ @J1_P4M@_P""P.J^ =2\'?!?P%X'O/"7P$M=;M#;
MZCXN%U(QN]=DB;YHK5D9DB5OO@HPP5?< ?I31110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !7PAJW_!9GXL?%3Q_XVT?_@GW_P $UOB!\>/"
M/PXU^XT3Q9X_TSQ5I>BV$NH6^/M,&FK>OYFIM'G!\H#<V-H*NC-]WU\@?M9_
MM;?L>?\ !&CX$Z?\,/@O\'K.;Q?XNU*X7X6_ _P!8 7_ (GUBYD)8QP1 F.(
MRMNEN"N%R0 SE48 T?"/_!9?]B[Q-_P3KUK_ (*7:EKFM:-X)\,M-9^)]$U7
M3/+UG2]7BF2!M(DMMV/M9FDB15W;3YJ,6"$L/)]7_P""X?Q=^"6E:!\9?VWO
M^"67Q1^#WP;\1ZE:VD'Q/U3Q%I>HG2!=.J03:KIUM(;G3HRS*&,@+*6"A68A
M3T'_  3#_P""5EM\,OV%=4^&'_!0/P-X:\9>,/BG\4+_ .*/Q'T"YM$N=.T_
M7[UXI%AA&2I,"P0C<I*^8'*DKM8^3?\ !5GXXZC_ ,%9O%>I?\$3/V%RFO)>
MZO8/^T7\4[9!+I'@72K:\CN39++]R?4I9+=5$*D[=CHV#YK0 'VI^W]^V/9?
ML.?LHZY^TE9^!#XQO[2[TW3_  WX4M]5%H^N:C?WL%G:VT<_ER[-TDZL6"/A
M58X.*\B_: _X*O\ C'PW^T]K7[%O[%W[$GBSX^?$GP;I%GJ'Q%M/#_B6PT;2
M/#(NH_,@MY]1U!DC:XD3YUB"@LO0[E=5P_VZM!TWXL?MX?L?_L"^'HVDT3PS
MK]Y\4_%5NKEFM[#P[:+;Z5YF?O(^HWD'7O;YZ@9]A_:.^+O[!_\ P2T\ ^//
MVR/BE8Z#X*;Q9?0W'B6^TNQ7^T_%NII&RV\$<:X>\NBI947LNYF*HK, ##_8
MN_X*F_!_]JSPI\2Q\0? NO?"3QI\%)2OQ>\">/!&ESX<B\A[A+OSHF:.>T>*
M*1TG7 98R=H4J6\&7_@OOXQG^%,W[9EE_P $OOB[/^S1#,S'XR)JFF"Z:Q6;
MRCJ0T1IA>&SR"_G=/+&X@=*UO^"3W[+/QI^+?Q(^//\ P4K_ &Y/A!;^&]5_
M:973K'3/A)K5LDYT?PG96K6UK!J,;KM>XN(64S1.O 7Y@I=HTRO^"X7P^_X*
M*6G['GB7X ?L*_!+X<6?P'@^'*Z?XYM=%<P^)K;1T\U+^RT73]D=BB+8(BH&
M?<=SI'&"$- 'Z!>!O&WA3XE^"='^(_@/7(-4T/Q!I5OJ6C:E;$F.[M)XUEAF
M0GJK(ZL/8UJUXC_P38^(G[/?Q2_8#^$'BW]E&;4&^'*^ --L/",>K@?;+>TL
MX%M!!<8)!GB,#12%25+QL02,$^W4 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !5#Q7I
MUSJ_A?4M)LP#-=6$T,08X&YD*C)[<FK]% 'QY_P22_8-^('[-'_!'_P9^P-^
MU7IEG'K%OH'B#2?%=KHVHB>(P:AJ6H2XCF P28+I><<$D=J\+_9D^&'_  7.
M_P"";_[/UO\ L"_!']FCX4?%[P]X9%S8_#+XQ:M\1SHRZ?I\DKR6_P#:NEM
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M>YN-@)\L23RRN$R=H8+DXR?8:** "BBB@ HHHH **** "BBB@ HHHH ****
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M_P %"?V$?V</'D/PN^/W[8_PR\&>(YT1UT/Q-XVLK*Z1' *.\<LH:-&!R&<
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M$[(_V1?V:?#C7'Q#_: UZU^'/@3PYHB)%(\%U_Q^"-,JBQ_9@UN22JH;M"2
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M^B_'/@KPO\2O!.L?#KQOH\6H:+K^E7&FZO83C*7-K/&T4L3#T9&93[&O$/\
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M96-M';V=M$N$BB10J(H[ * !]* +-%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %))''-&T4J!E8$,K#((/4$4M
M% %30M!T+POH]MX>\,Z+::=I]G$(K2QL+9888$'141 %4#T Q5NBB@ HHHH
M**** *?_  CGA[_A(?\ A+?["L_[5^Q_8_[3^RI]H^S[]_D^9C=Y>_YMN<9Y
MQFKE%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 5YW\6_VK_@#\"O$D'A'XJ>/?[*U"YL5O(;?
M^RKJ?="SN@;=#$ZCYHW&"<\=.17HE?G?_P %;?\ DX_1/^Q(MO\ TLO* /J/
M_AXO^QM_T6+_ ,M[4?\ Y'H_X>+_ +&W_18O_+>U'_Y'K\N** /UP^$G[5_P
M!^.OB2?PC\*_'O\ :NH6UBUY-;_V5=0;85=$+;IHD4_-(@P#GGIP:]$K\[_^
M"27_ "<?K?\ V)%S_P"EEG7Z(4 %%%% !117Y1_%_P#:E_X+(?M'_P#!9?XZ
M_L#?L.?M._#GP)X9^%OAK0-7M%\9>"4OF=+S3;"61!(L;.S>=<2-\W !P.E
M'ZN45^27[5O[5?\ P7Y_X)$?#RT_;%_:W^(GP8^.7PDTK7+*S\?Z/X6\.S:3
MJNFVMS.D"7%N^R-"3)(D>6W@/(@*;2SI^IGA/XK?#SQKI6@:KH/BVQ<>*-(B
MU30K:6Y5)[RUDB$JR)$QW,-A!.!QWH Z&BJ.J^)_#>A7MEIVM^(;&SN-1F\G
M3X+N[2-[J3CY(U8@NW(X7)YKXM^&W[?OQ6D_X+5_'3]D#XH^/=#TWX4_#OX0
M:-XCTUK^""U^Q75PUJ)99KML$I^^;AC@9% 'W!16)X ^)7PY^*_AU/%_PM\?
MZ)XETF5RD>J>']5AO+=V&,J)(6921D<9[U\/?L,_MK?M@_M877[<O@*7X@^&
M+'7/A)\5/$7A3X0ZIJ^G1VUCI AAN1927SHC&6*.58FD=E<[%;ANA /ORBO.
M?V2G^. _9I\'2?M,^/O"WB?QX-$C/BOQ#X+?.DWUUD[I;8F./]T1C'R+T/%:
M_@7]H/X!_%'Q%>>#_AG\;_"'B+5M.!.H:7H7B6UN[FVP0#YD<4C,F"1U ZB@
M#KZ*** "BBB@ HHHH **** *6O>(]&\,6:W^N7GD1/*(U?RV;+$$XPH)Z UD
M?\+<^'G_ $,'_DI-_P#$5F_'G_D4+;_L))_Z+DKR6@#VS_A;GP\_Z&#_ ,E)
MO_B*ELOBCX%U"\BL+/7-\L\JQQ)]EE&YF. ,E<#DUX=6EX-_Y&_2O^PE!_Z,
M6@#WZBBB@ HHHH **_.K_@M[^V7^WI\!?VE_V6/V7?V$?BGX9\):M\<O$NO:
M1J6J>*/#L>H6\;VXTTV[D,K,BK]IFSM&3N'H*P?&_P )O^#I#X5^$=2^(WAK
M]L;]GKX@WFB6<EY#X+E\!36AUCRU+&V25(XRLC@%5^= 6(!=0=P /TSHKY>_
MX)7?\%,/ W_!1G]@OPE^V+K5C8>#[O4[F;2O$>E76H*(+/58)3%)'%)(1N23
MY)(P<MME53E@:[;]J#XK^+/&?P(^(W@[]BK]HOX::5\5] L1%9WOB?6X9K'0
M+SS4&=1CC69X5V[UPT9.XCB@#VNBN,^#_BG58O ?A'PC\5_B%X;U/Q[+X2L;
MG7CHEZGE7]SY"BXN[:,A7:V>82%&V*-N.!T'2Z_XH\->%;>&\\4>(K'38KBX
M6W@EO[M(5DE;.V-2Y +'!PHY.#0!>HKG/B1\8/A)\&])CU[XO?%+PYX5L96*
MQ7OB36[>QB<@9(#SNH) YZU/X4^)WPV\>>$?^%@>!_B%H>LZ"$=SK>DZM#<6
M>U!EV\Z-BF%').>.] &Y17R%_P $QO\ @IN?V_/B#\>?#&MV'AG14^&7QIU7
MP9X2L--U?S[G5=/L413J#EF'F>:Y=QY:!$4JN7*EV^C_ ![\?_@1\*]<LO#'
MQ/\ C7X1\-ZEJ./[/T[7O$EK9SW620/+CED5GY!^Z#TH ZZBD1TD021N&5AE
M64Y!'K2T %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MZ6SL'V/>7]Q>,FRYN7:""..&,!$C5CN#,V=WX[?L*?\ !53X6?\ !8;XB_\
M!4']BFW^'FN:-K/@71] ?P!XNUR6U/B>VCAB6YB$R(193Q2P1212MN5AO5L
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B1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>18
<FILENAME>slm-20241231_g2.jpg
<TEXT>
begin 644 slm-20241231_g2.jpg
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MQ_\ B!X+TBUU/XBV^@>(M/T;3O#,-RN^V@GO;YQ&UU)&/,6W49*<@DAE7O\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %4F\-^'6\1+XO;0+(ZLEDUFFJ&U
M3[2MLSAS"),;A&756*9P2H.,BKM% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !117PU^W9^V'^T;\&OVA;[P-\-OB+_9
MNE0Z=:RQVO\ 9%G-AWCRQW2PLW)]Z /N6BORX_X>+_MD_P#18O\ RWM._P#D
M>C_AXO\ MD_]%B_\M[3O_D>@#]1Z*_+C_AXO^V3_ -%B_P#+>T[_ .1Z/^'B
M_P"V3_T6+_RWM._^1Z /U'HK\N/^'B_[9/\ T6+_ ,M[3O\ Y'K]&?@!XHUW
MQM\#O"'C#Q/??:M1U3PY9W5]<>4J>;*\*L[;4 5<DDX  ]!0!UU%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%>)?MC?MC
M?\,F?\(Y_P 6Z_M_^W_MG_,7^R>1Y'D?],9-V[SO;&WOGCQ+_A\7_P!6Z?\
MEW?_ ')0!]M45\2_\/B_^K=/_+N_^Y*/^'Q?_5NG_EW?_<E 'VU17Q+_ ,/B
M_P#JW3_R[O\ [DH_X?%_]6Z?^7=_]R4 ?;5%>:_LJ?M#_P##3?PP?XD?\(A_
M8FS5);/[%_:'VG.Q4;?O\M.N_ICMUKTJ@ HHHH **** "BBB@ HHHH ****
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MK\=_CS_R7+QG_P!C9J/_ *4R4 ?HW_P\7_8V_P"BQ?\ EO:C_P#(]'_#Q?\
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MN/\ P3B_Y/&\)_\ 7/4/_2"XKPZO<?\ @G%_R>-X3_ZYZA_Z07% 'ZAT444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5^9W_  4Z_P"3LM3_
M .P39?\ HH5^F-?F=_P4Z_Y.RU/_ +!-E_Z*% 'SY1110 4444 %?KM^RM_R
M;1X!_P"Q0T__ -)TK\B:_7;]E;_DVCP#_P!BAI__ *3I0!WU%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !7S[_P %.?\ DTW4_P#L+67_ *-%?05?
M/O\ P4Y_Y--U/_L+67_HT4 ?F;1110 4444 %?9'_!'[_D;_ !O_ -@VR_\
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M-LO_ $9+0!]V4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M5^._QY_Y+EXS_P"QLU'_ -*9*_8BOQW^//\ R7+QG_V-FH_^E,E ')T444 %
M%%% &U\./^2AZ#_V&K7_ -'+7[-5^,OPX_Y*'H/_ &&K7_T<M?LU0 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110!\2_P#!8O\ YIU_W%__
M &RKXEK[:_X+%_\ -.O^XO\ ^V5?$M !1110 4444 ?H_P#\$J?^389O^QHN
M_P#T7#7TK7S5_P $J?\ DV&;_L:+O_T7#7TK0 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !7*?'G_DAOC/_L4]1_\ 2:2NKKE/CS_R0WQG_P!B
MGJ/_ *324 ?CM1110 4444 %>X_\$XO^3QO"?_7/4/\ T@N*\.KW'_@G%_R>
M-X3_ .N>H?\ I!<4 ?J'1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !7YG?\%.O^3LM3_[!-E_Z*%?IC7YG?\%.O^3LM3_[!-E_Z*% 'SY1
M110 4444 %?KM^RM_P FT> ?^Q0T_P#])TK\B:_7;]E;_DVCP#_V*&G_ /I.
ME '?4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %?/O_!3G_DTW4_^
MPM9?^C17T%7S[_P4Y_Y--U/_ +"UE_Z-% 'YFT444 %%%% !7V1_P1^_Y&_Q
MO_V#;+_T9+7QO7V1_P $?O\ D;_&_P#V#;+_ -&2T ?=E%%% !1110 4444
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M  32^+5M^S)/?K%'\;VO]/:46;3^0-3;11)]L6R+?-YV/N$$ DA:^E/VVO\
M@H_\%?V+_@AX7^+4NCZMX]U+XBZO9:1\+?!_@B-+F_\ %M_=IOMX[7+!1&4(
M=IB=JJ1]YF16X[Q=X&\%1_\ !"G4OAVME;CP_'^R?+8I#M'EK:KX:*#'8 *
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M_D;_ !O_ -@VR_\ 1DM 'W91110 4444 %%%% !1110 4444 %%%% !1110
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MV7_HH4 ?/E%%% !1110 5^NW[*W_ ";1X!_[%#3_ /TG2OR)K]=OV5O^3:/
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M'+7[-4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?$O\
MP6+_ .:=?]Q?_P!LJ^):^VO^"Q?_ #3K_N+_ /ME7Q+0 4444 %%%% 'Z/\
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MH\ _]BAI_P#Z3I0!WU%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7
MS[_P4Y_Y--U/_L+67_HT5]!5\^_\%.?^33=3_P"PM9?^C10!^9M%%% !1110
M 5]D?\$?O^1O\;_]@VR_]&2U\;U]D?\ !'[_ )&_QO\ ]@VR_P#1DM 'W911
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7X[_'G_DN7C/\
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MC_\ P2I_Y-AF_P"QHN__ $7#7TK7S5_P2I_Y-AF_[&B[_P#1<-?2M !1110
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M 5^._P >?^2Y>,_^QLU'_P!*9*_8BOQW^//_ "7+QG_V-FH_^E,E ')T444
M%%%% &U\./\ DH>@_P#8:M?_ $<M?LU7XR_#C_DH>@_]AJU_]'+7[-4 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?$O_  6+_P":=?\
M<7_]LJ^):^VO^"Q?_-.O^XO_ .V5?$M !1110 4444 ?H_\ \$J?^389O^QH
MN_\ T7#7TK7S5_P2I_Y-AF_[&B[_ /1<-?2M !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %<I\>?\ DAOC/_L4]1_])I*ZNN4^//\ R0WQG_V*
M>H_^DTE 'X[4444 %%%% !7N/_!.+_D\;PG_ -<]0_\ 2"XKPZO<?^"<7_)X
MWA/_ *YZA_Z07% 'ZAT444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 5^9W_!3K_D[+4_^P39?^BA7Z8U^9W_  4Z_P"3LM3_ .P39?\ HH4
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MY?\ $;XB^,=!\8W>E:3K'E6\0CV1_9XVQF-2>64GJ30!ZA17B?\ PMSXA_\
M0P?^2D/_ ,11_P +<^(?_0P?^2D/_P 10![917B?_"W/B'_T,'_DI#_\11_P
MMSXA_P#0P?\ DI#_ /$4 >V5^._QY_Y+EXS_ .QLU'_TIDK]'/\ A;GQ#_Z&
M#_R4A_\ B*_-KXPSRW7Q;\4W4[[I)/$=\SMC&2;AR3Q0!SE%%% !1110!M?#
MC_DH>@_]AJU_]'+7[-5^,OPX_P"2AZ#_ -AJU_\ 1RU^S5 !1110 4444 %%
M%% !1110 4444 %%%% !17'?''_D2E_Z_8_Y-7D% 'TA17S?10!](45\WT4
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MSVBBB@ HHHH *^./VVO^2Y3?]@NW_D:^QZ^./VVO^2Y3?]@NW_D: /(J***
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M!=O_ "- 'D5%%% !1110 5^NW[*W_)M'@'_L4-/_ /2=*_(FOUV_96_Y-H\
M_P#8H:?_ .DZ4 =]1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !17Q'_P %8?VL/VH?!/QZ_9X_8!_9 ^(VE?#_ ,7_ +0OB+6H;CXFZOHL
M6HKX>TW2;..ZN?L]M/\ NIKJ42JL8DRN5VX!=77PO_@D9/\ \%=OASXK^'.H
M^*?C%??'KX%^.M>\<Z=XROO$=M86FK> ;W3=>U"V@O%N#(DM]!=/"/W $GDA
MG5%18T# 'ZH4444 %%%% !1110 4444 %%%% !1110 5E^./^1-U7_L'R_\
MH!K4K+\<?\B;JO\ V#Y?_0#0!X'1110 4444 %>6?ME_\D#U/_KZM?\ T<M>
MIUY9^V7_ ,D#U/\ Z^K7_P!'+0!\74444 %%%% !7V1_P1^_Y&_QO_V#;+_T
M9+7QO7V1_P $?O\ D;_&_P#V#;+_ -&2T ?=E%%% !1110 4444 %%%% !11
M10 4444 %>*?%[_DH5_](O\ T4E>UUXI\7O^2A7_ -(O_124 <U1110 4444
M %?GW\6?^2J>)O\ L8+W_P!'O7Z"5^??Q9_Y*IXF_P"Q@O?_ $>] '/T444
M%%%% &U\./\ DH>@_P#8:M?_ $<M?LU7XR_#C_DH>@_]AJU_]'+7[-4 %%%%
M !1110 4444 %%%% !1110 4444 <=\<?^1*7_K]C_DU>05Z_P#''_D2E_Z_
M8_Y-7D% !1110 4444 ?-O\ P4)_YE#_ +B'_MM7S;7TE_P4)_YE#_N(?^VU
M?-M !1110 4444 ?H_\ \$J?^389O^QHN_\ T7#7TK7S5_P2I_Y-AF_[&B[_
M /1<-?2M !1110 4444 %%%% !1110 4444 %%%% 'SQK'_(6NO^OE__ $(U
M6JSK'_(6NO\ KY?_ -"-5J "BBB@ K%^)'_).]?_ .P+=?\ HEJVJQ?B1_R3
MO7_^P+=?^B6H _/6BBB@ HHHH *]Q_X)Q?\ )XWA/_KGJ'_I!<5X=7N/_!.+
M_D\;PG_USU#_ -(+B@#]0Z*** "BBB@ HHHH **** "BBB@ HHHH *\Q^/\
M_P A#3?^N,G\UKTZO,?C_P#\A#3?^N,G\UH \]HHHH **** "OCC]MK_ )+E
M-_V"[?\ D:^QZ^./VVO^2Y3?]@NW_D: /(J*** "BBB@ K]=OV5O^3:/ /\
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MH']M[_HLGPL_\ =2K],** /S/_X= _MO?]%D^%G_ ( ZE79?!_\ 8!_X*=_
M2\OK_P"$W[2/PLTF74HDCO7_ +!NI_,5"2HQ-&X&"QZ8ZU]_44 ?'G_"F/\
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M/VI/A9IFFM=/<M;?\(W/-^]8*&;=+$S<A1QG'%=+_P *8_X+4?\ 1XWPL_\
M"0/_ ,CU]AT4 ?'G_"F/^"U'_1XWPL_\) __ "/1_P *8_X+4?\ 1XWPL_\
M"0/_ ,CU]AT4 ?'G_"F/^"U'_1XWPL_\) __ "/1_P *8_X+4?\ 1XWPL_\
M"0/_ ,CU]AT4 ?'G_"F/^"U'_1XWPL_\) __ "/1_P *8_X+4?\ 1XWPL_\
M"0/_ ,CU]AT4 ?'G_"F/^"U'_1XWPL_\) __ "/1_P *8_X+4?\ 1XWPL_\
M"0/_ ,CU]AT4 ?'G_"F/^"U'_1XWPL_\) __ "/1_P *8_X+4?\ 1XWPL_\
M"0/_ ,CU]AT4 ?'G_"F/^"U'_1XWPL_\) __ "/1_P *8_X+4?\ 1XWPL_\
M"0/_ ,CU]AT4 ?#4W[(/_!6FXF>>7]J?X6%W8LQ_X1J;DGD_\L:;_P ,>?\
M!67_ *.E^%G_ (3<W_QFON>B@#X8_P"&//\ @K+_ -'2_"S_ ,)N;_XS1_PQ
MY_P5E_Z.E^%G_A-S?_&:^YZ* /AC_ACS_@K+_P!'2_"S_P )N;_XS4.I?L5_
M\%6=7TZXTG4?VH/A9);W4#PSQ_\ ".SC<C JPR(@1D$].:^[:* /S/\ ^'0/
M[;W_ $63X6?^ .I4?\.@?VWO^BR?"S_P!U*OTPHH _,__AT#^V]_T63X6?\
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M:XWQO_P2\_X*$_$;73XE\9?'GX67EZT2QF;^RKZ/Y5Z#"*H_2OT9HH _,_\
MX= _MO?]%D^%G_@#J5'_  Z!_;>_Z+)\+/\ P!U*OTPHH _,_P#X= _MO?\
M19/A9_X ZE1_PZ!_;>_Z+)\+/_ '4J_3"B@#\S_^'0/[;W_19/A9_P" .I5Z
M]X5_9P_X+%^"?#.G^#_#'[7'PLM=.TNSCM;&W_X11W\J)%"HNYX"S8  R23Z
MFOM*B@#X\_X4Q_P6H_Z/&^%G_A('_P"1Z/\ A3'_  6H_P"CQOA9_P"$@?\
MY'K[#HH ^//^%,?\%J/^CQOA9_X2!_\ D>C_ (4Q_P %J/\ H\;X6?\ A('_
M .1Z^PZ* /CS_A3'_!:C_H\;X6?^$@?_ )'H_P"%,?\ !:C_ */&^%G_ (2!
M_P#D>OL.B@"AX5M_$-IX8TVU\7:A!=ZM%80IJ=U:Q;(IK@(!(Z+_  J7W$#L
M#5^BB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M_$GX;?!OXUW7AGX5^//$FH&^N[BP6/=+I[79_P"/H6K; LG.5F&,)L5?T,H
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M/G7[47_!,W]@O]M7QM8_$?\ :J_9?\,^.-<TS2ETVPU+6X9'D@M%EDE$2[7
M"[Y9&Z9RQH ^?O\ @EK^SU^S%\"OB'K'Q]^,_P"W-X#^-7[4/Q418_&/C.U\
M6V,S)&,.NCZ1;))N@LHMB@*BAI/*5F555(X_)/VU?^"B_B+_ (* ?M/^+O\
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M?[ ;'Q<;6XGLF2] -K*[PQOY44FY,2OM3+J"P+ $ ]1HJ ZKI8TO^VSJ5O\
M8OL_G_;/.7RO*V[O,WYQMV\YSC'-<3^S=^T[\"_VO/A?#\:OV<?'T7BCPI=7
MUQ:6>NVME/#;W4D$ACE,+31IYJ*X9?,3*%E8!B5. #O:*** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MZ?J9X3^*WP\\:Z5H&JZ#XML7'BC2(M4T*VEN52>\M9(A*LB1,=S#803@<=Z
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M;3Q!I5_$8I(XYU&(I562<#>5'[U6# QA' .'_P""X1'_  \,_P"">8S_ ,W
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MO@_Q$GA_[9^TIXL\7ZC\-O(U8LIAU*QO(;;[4=@\@[YTW ;L#/7% 'QOX_\
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MY8X54'S!0H5%)^F* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
-HHH **** "BBB@#_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>19
<FILENAME>slm-20241231_g3.jpg
<TEXT>
begin 644 slm-20241231_g3.jpg
M_]C_X  02D9)1@ ! 0$!2@%*  #_VP!#  ," @," @,# P,$ P,$!0@%!00$
M!0H'!P8(# H,# L*"PL-#A(0#0X1#@L+$!80$1,4%145# \7&!84&!(4%13_
MVP!# 0,$! 4$!0D%!0D4#0L-%!04%!04%!04%!04%!04%!04%!04%!04%!04
M%!04%!04%!04%!04%!04%!04%!04%!3_P  1" 4H"H # 2(  A$! Q$!_\0
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBD)P,G@4 +17B&@_MA?#[Q-\1(/!
MNF2:C=ZC/=M9174=NOV:1P2-P??DKP<''->WT %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %?E]\;/CQ\1=$^,'C73[#Q
MKK=G8VNL7<,%O#>.J1HLK!54 \  8K]0:_(+]H#_ )+EX_\ ^P[>_P#HYJ )
M_P#AHSXH?]#[K_\ X'2?XT?\-&?%#_H?=?\ _ Z3_&OLO]B_X7>#/%/P'TW4
M-:\(Z%J]^]W<JUU?Z;#/*0)" "S*3@"O<_\ A1GPW_Z)]X5_\$MM_P#$4 ?F
M#_PT9\4/^A]U_P#\#I/\:_5[P?<2WGA'1+B>1I9I;&!Y)'.2S&-223ZDUS__
M  HSX;_]$^\*_P#@EMO_ (BNT@@CM8(X88UAAC4(D<:A550,  #H * )**Y_
MQK\0/#GPYT@ZGXEUBUT>RSA7N'P7/]U%'S.?9037B=Q^WO\ "F&\\E+G5KB/
M)'VB.P(CX[X8AN?]WO0!]&45PGPW^.7@?XM(P\,>(+>_N47<]FX:*X0=R8W
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M]SI1LXV["2.9W<?7$R?E[4?\$]OB5H?AKQ1KGA?4O*M-0UOR6L;M\#S'3=F
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MV'\,_B+KEKHUCJEU8:G=R+#;6^H6K1^<Y.%56&5R3C )&<B@#P']NKXL>,O
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M_P!N[5O[<O=!^',D-G8VSF)]=:-99)V'#>4K JJ9R-Q!)ZC%?5'[16LW6@?
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M4]9UBT\/Z/?:I?R_9["Q@DN;B7:6V1HI9FP 2< $X )KQS_AM3X,_P#0Y?\
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M%I;1K#;P1K%%&HP%51@ >P H \$_9C^&NH_ /X$ZC<:GH]Q-XFF:XU"ZTVV
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M*SR=RB(B*OT!WG_@1KZ@H _.K_@HM_R6S1/^Q>@_]*;FO1?^";'_ " _'?\
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MS%]0&KYR_8@^&?\ PGOQJM-2N8?,TSPZG]HREA\IF!Q OUW_ #_]LS0!]Z^
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M90WWE/!5E(Y'4'!Z$$_>W[&OQTN_C%\/9[36IO/\1:&Z07,['YKB)@?*E/\
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M/PMU;X-^,[CPSK5Q9W5_#%'*TE@[O$0Z[A@LJG./:NT^"O[*OBSX[>&[S6M
MU#1K2UM;LV;IJ4\R.7"(^0$B<8PX[^O%;_[=W_)Q&J_]>5K_ .BA7T5_P3F_
MY)#X@_[#LG_I/!0!Z!X\\,77@G]D#5O#]])#+>:7X4-G-);DF-GC@"L5) )&
M1QD#Z5^9O@7_ )';P]_V$;?_ -&K7ZL_M&?\D'\>_P#8&N?_ $6:_*/P5((?
M&6@NWW5O[=CCVD6@#]HJ^*/^"E7_ !X_#[_KI??RMZ^UZ^*/^"E7_'C\/O\
MKI??RMZ .!_X)T_\ELUO_L7I_P#TIMJ^P?VE_B\WP6^%&HZY:[#J\[K9:<L@
MROGN#AB.^U5=\=]N.]?'W_!.G_DMFM_]B]/_ .E-M7HG_!2C49(]%\!V 8^3
M-<7D[+V+(L*@_E(WYT ?%]G:Z[\1O%T5O%]HUKQ!J]R%!D?=+/,YZEF/KU).
M!]*^I[/_ ()P>(YM#6>X\7Z;;ZL4#?8A:N\0..5,N[/!XX0UR7_!/_1[?4_C
MTUQ,B,^GZ3<7,.\9(<M'%D>^V5OPS7Z3T ?C=\0M#\3^"-6/@_Q/Y\,^BNZQ
M6DDF](A)AR8STVMPW''.>I-?3W_!-O\ Y&GQM_UY6_\ Z&]4O^"CNDV]O\0?
M"NHQJ%N+K37BE('41R$J3_W\(_"KO_!-O_D:?&W_ %Y6_P#Z&] 'M/[:'Q[N
MOA#X(MM)T*X^S^)=<W)%.A^>U@7&^4>C$D*I]V(Y6O@KX1?"/Q%\=/&G]C:,
M5,Y4W-Y?73G9#'N 9W/)))88 Y)/IDCUO_@H%JDM]\=HK5V)BLM)MXHUQP-S
M.Y/YM^GM7)_LZ?M+2_L]P:ZMMX=AUJ75FA+R2W1A*+&'P!A#G_6&@#O_ (D?
M\$_O$_@WPK=:SHVOVWB26SB:>>Q6U:"4JHRWE_,P<@#..">V3@'S;]F7X\:A
M\$_'UI(]S(WAF_E6'4[,M\FP\><!V=.N>X!'>O;O^'D^I?\ 0B6O_@R;_P"-
MU\=:K>)J&J7EU% +:.>9Y5A4Y$89B0N>^,X_"@#]L%8.H92&4C((Y!K\=?C)
M_P E>\<_]AV^_P#2AZ_5#X$ZQ)X@^"_@B_F.Z:71[7S&_O,(U5C^)!K\K_C)
M_P E>\<_]AV^_P#2AZ /3_A9\&/'W[5S6MS<ZHEEX?T&TATF"]NU)CB2*-56
M&&,?>;:%9CD?>R3D@5+^T!^QSKGP/\.IX@@UB'Q'HBR+%<S);FWDMV8X4LFY
M@5+?+D-U(XYK[,_8STZ+3_V;_"/EJ TZW$\C <LS7$G)_# _ 5<_:XMUNOV<
M_&R.,@6L;].ZSQL/U% 'P7^R)\1KSX??'+P\D4K"PUFX32KN'/RNLK!4)]U<
MJ<^F1W-?:O[6WP!\0_'K1?#MIX?O-,LY-.N)993J4LB!@RJ!MV1OD\=\5^>7
MP;_Y*]X&_P"P[8_^E"5^Q= 'XF:A9/INH7-I*5:2WE:)BG()4D''MQ7U+\$?
MV+_&UYJ'@3QTFJ: -(:>QU@0M<3^?Y.])=NWR=N_;QC=C/?O7S/XL_Y&G6?^
MOV;_ -#-?K/^S_\ \D-\ ?\ 8"LO_1*T =_1110 5^*6N_\ (<U#_KXD_P#0
MC7[6U^*6N_\ (<U#_KXD_P#0C0!^K7[+?_)OG@;_ +!R_P#H35ZG7EG[+?\
MR;YX&_[!R_\ H35ZG0 5C>,O%EAX%\*:MXAU1REAIML]S+MQN(49VKZL3@ =
MR16S7S7_ ,% -9GTOX"K;0LZIJ&K6]K+MZ% LDN#[;HE_2@#X3^,7QC\0?&K
MQ=<:QK5S(8-["ST]7)BM(B>$0=,XQENK$9->N> _V!_B!XOT&+5-0NM/\-^>
MF^*SOS(;CVWJJX3/H3N'<"O/?V6?#-KXN_: \&:;>Q1SVINVN'BE&5;R8GE
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M;_TEAH 9\)?A[X\_:2BTGP?I]ZL/AOPW&Y\VX)6VM!+*\A8@??D9F;'?"XR
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M]U>,ML2?^6"?)%_XXJGZDU]JW'[0'F?L/_\ "2_:LZX]C_8);=\_VK_4E_\
M>V9EKX3^&W@NX^(GC[0?#5MN$FI7D=NSKU1"?G?_ ("H9OPH _17]A_X=_\
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M'D(^=;NY4'V*)G^0H ^2?!GB+QQXGT:+X8Z!>W5QIVL7R2+I4; +)+CNW9.
MQ!.WY QZ9KWS6O\ @G7XITWPC-J%KXEL-1UN&(R'2HK=U1R!DHDQ/+'D#* $
MXY&>.7_8%TV.^_: AF==S6>F7,Z'T)VQY_*0C\:_2V@#\5/#^OZAX5URQU?2
M[A[/4;&99X)DZHZG(_\ KCN.*_9'P3XB7Q=X-T'753RUU2PM[T+Z"2-7Q_X]
M7XX^)HUA\2:M&B[42[F55'8!S@5^K/PEU*32OV;/"E^AS):^%[>9<C/*VP(X
M_"@#X@_;*_: OOB9X[O?#6FW;)X4T:<P+%$WRW<Z'#RM_> ;*KU&!D?>-1_
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HKE_B9\0=-^%O@?5O$VJM_HMC$7$8.&FD/"1K[LQ _'/:OE;]F/]I3
MXG_'#XL1:5>SZ?%H-O%)>7P@L@"L8X1%8GJ79!ZX!/:@#[1HKQS]J7XU:I\"
M?A_I^OZ18V>H7-SJD=BT5[OV!6BF<D;2#G,8_,U\M_\ #QSQM_T+.@?E/_\
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MOIR@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **^&?B)^WQXO\ !WQ
M\3Z!;>'M$GMM*U2ZL8I91-O=8I60%L/C)"C.*^K/@?X^O/BA\*_#_BB_MX+2
M\U&)Y)(;;=Y:E9'3C))Z*.] '=4444 %%%% !1110 445\]_M9?M':W^S_\
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M_HWQN^)<OA[7+F^M+);"6Z$FGR(DFY60 9=&&/F/;TKZV_X=T_#?_H-^*O\
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M /R0WP!_V K+_P!$K7?T %?$/_!2W_FG/_<2_P#;6OMZOB'_ (*6_P#-.?\
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M_@I;_P TY_[B7_MK7HW_  3Y_P"2#W'_ &&;C_T7%7G/_!2W_FG/_<2_]M:
M.6_X)Q_\E1\3?]@8_P#H^.OIC]M3_DV7QE_VY_\ I;!7S/\ \$X_^2H^)O\
ML#'_ -'QU],?MJ?\FR^,O^W/_P!+8* /SX_9S_Y+QX"_[#-M_P"C!7Z[5^1/
M[.?_ "7CP%_V&;;_ -&"OUVH _$2OV1^%/\ R2[P=_V!K/\ ]$)7XW5^R/PI
M_P"26^#_ /L#6?\ Z(2@#\EOBAXPN/'WQ$\1>(;J3S)-0O9)5/8)NPBCV"!0
M/8"OT>_8W^&>G> O@KHFH0P*=5UZ%=1N[ID&]@XS&@/7:J;<#U+'O7YI^--
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MGPSU70]1N&NO[ N8XK5Y.66"125CSW"E'QZ @= * /J6OQI^)UH-/^)/BRU
MVB'5KN, #&-LSC^E?LM7XV?%2Z%]\3_%]R.1-K%Y(,>\[G^M 'ZL_ G4/[4^
M"O@2Y)W,^B688^K"%5;]0:[JN#^ NGG2_@EX#MV78ZZ)9LR^C-"K$?F37>4
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M^%_B!]D_X230-/US[)O^S_;H%E\K?MW;<],[5S]!0!\-_P#!./\ Y*CXF_[
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M+#,!CYE/#HW1U/J,@@U]#Z9_P49\96NFQPWOAO1[V\5=IN5:2,.?4H">?7!
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M^"?@+K%ND@6]UMETN%<\E7R93CT\M7'U85\M_L!_#9O%7Q8G\2W$);3_  ]
M9$<CY3<R H@]\+YC>Q"T ?HK8V<.G6=O:6Z>7!!&L4:#^%5& /R%3T44 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M-K1N/O(ZGE6'<'V/0@UT5 !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% 'GGQZ^$UK\9_AGJGAV8(EZR^?87#C_ %-RH.QL]@<E3_LL:^5/
MV+/"WQ%^$WQ.NK#6_"&M6.@:S"8+FXEM'$4,T>6BD+=,??7/^V#7W=10 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?"
M_P"VSX:^(GQ5^(UCI>A>$=:O_#^C0;(;B&T<Q33R8:1PW0@ (N?56]:^H?V?
M_A';?!?X8Z9X?14;4"/M.H3K_P M;E@-YSW"X"CV45Z/10 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !117@WQL_:JL_AG
MXLM_!WA[0+KQGXQG"DZ?9N0L.X956*JS%\?-M Z')(H ]YHKX8\!?MD>.? Z
M:Y>^-O"&H:MH+:_<6\U_'(0=,DPN;-<KM.SLK,I.X\U]G^$?%FE^.O#>GZ]H
MMTM[I=]$)89E[CH01V8$$$'D$$4 ;%%(3@9/ KR'X?\ [2FA?$SXQ:[X&T.V
M:[@TJR>Z.LI,&AG9)(D944#D R_>S@[3C@@T >OT45X=\6_VMO"?PO\ $/\
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M[\/=)L]=\:PVI;2M-U!PL%Q-D85R9(P!C/\ &OUH ["BO@#_ (7)_P %#/\
MHA/P_P#_  .A_P#EK7J_[#?[6'BS]HJ3XB^&?B!X:L?#GCKP'J2:?JT>E$_9
M#(\EQ'Y:9EE)9&MG#,'*G(*\4 ?5%%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !17PQ\>/VR?C>W[4&O?!CX#_#W0?%.L^&]-CU#5&\02A/,C>.WD$D3&
MZ@4*OVJ-2IRQ/(XSBOX>^+W[?=QK^F1:O\$/ =KI,EU$MY/#>Q%XX2X$C*/[
M4/(7)'!Z=#0!]WT444 %?$?P+UW3?"O[:'Q+A\62Q6.KW]S=1:;-=D*I#3AT
M12>A>+9M]0,=3@_;E>3?&C]F7P7\<"MUK%M-8ZU&GEQZK8,$FVCHK@@JX'N,
MCL10!PWP'\'Z?\0/ /QK\.:HK-8:EXVUBWD* ;DRL.'7((W*<,"0<$"O7_A+
M\*]*^#?@^+PWHMU?76GQRO,C:A*LD@+8+ %548SDXQU)KX9\ > _BU\/="\;
M>(?ASXGEFTKPUX@O;"\TEW)-SY 0M/Y+ QN2A&>C?+QGC'V)^S=\;8_CM\.8
MM;DMTL]5MIFM+^WBSY:R@!MR9.=K*RD9Z'(R<9H \Y^//ACXQ_&#Q[=^#?#L
MJ^&? $4<0NM8),9NMZ!G7(.^0#)7:N%)!#'T\Q_9!\'6_P /?VM/'GANUGDN
MH-+TBYMEFF #/MN;7YB!P,GM7W37QM\ ?^3ZOBM_UY7G_I5:T ?4OQ(\6#P+
M\/\ Q'XAPK-IFGSW2*W1G5"57\6P/QKYF_8KT30/"?P[U/XI>+=2L[;5M<O9
MD_M;59TCVQJQ# .Y^\\@D)[G:OI7LW[5F\_L\^.-F<_8>WIYBY_3-?,'[)G[
M/-G\;O!MMK7CF[NM0\.:/+)I^DZ)%.T,0RQEFD8K@\O*>A!)!R<!10![_P#%
MCP%X _:V\.VEAI7BW2Y=0T^;SX[[3)(KJ:),%71E# A6)4\]U4U[/X?TR31=
M!TW3IKI[Z6TMH[=[J08:8HH4N1V)QG\:^+_VF/V==.^ >DV'Q)^&=Q=^';C2
M[J-+BV6YDD4*[;5=6<EOO$*RL2"&^N?KCX7^,Q\1/AWX=\2^6L+ZG917$D2'
M*I(5^=0?0-D?A0!U%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !7D7[5-MXLD^"^KW7@R_O;#6+%DNR=/D9)I(5)$BJ5Y^Z2W']RO
M7:* /A'QM^T)HGQ2_8OO=(O-84^,[..RMKNTO)O](N3'<1#SE).9-RC<Q&2#
MNSZF]^V)\0M+^.FO^$?AMX$N(?$6J&_,LMS9N'@1RI55$@R" "S,1PH4>^/2
M?VE?V3?#WB[P;J^I^#/"%N/'$DD30&TN!;))F5?-)5G6+.PN<D9/UKUWX;_
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** /@#X-_\IDOCM_V)EM_Z)T:OO^O@
M#X-_\IDOCM_V)EM_Z)T:OO\ H **** "OC'X9?'#6/@W^T)XQ\(_%+Q#?OIE
M]+_Q+K[4YG>"!0[&)ESPB.CX+#@% #T)'V=7(?$+X1^#_BK:Q0>*M!M=7$(Q
M%*^Y)8P>2%D0AE'L#0!\S_#7X]^$?A;\/?B[?7NKV=U?77C'5IM.T^&99);P
M.D0C95!/[LG^/[N >3TKJ_V O >H>%?A%>:MJ$+VYUV]^TVT;YR8%0*KX[;C
MO(]1M/<5'\"_V/?#'A^Z\1WOB[PA#-=PZ_<G11>77VB/^SQL,#%%<H23N_U@
MW<<BOIY56-555"JHP% P /2@!U?&WP!_Y/J^*W_7E>?^E5K7V37)Z'\*O"GA
MOQGJ?BS3='BM?$.I(\=W?+(Y:56968$%BHRR*>!VH N^/O"D7CKP/KWAV9_+
M35+&:T\S^X70J&_ D'\*^3/V/_C!8?"(:W\+/'\L7AC4["^DFM[B_<10L6VA
MHR[8 Y&Y6)PP;@],_:5</\1/@CX'^*YB?Q3X=MM4GB7:ESN>&95SG'F1LK8]
MLXZ^M 'SQ^V;\<M!\6^#8?AUX0OX?$^N:U=PI+'I4HG2-5D#*FY<@NSJHV@Y
M&"3CC/T?\(/!<GP[^%_ACPY,P:YT^QCBG*\CS<9DQ[;BU97P[_9[^'OPKO/M
MOAOPU;V>H;=OVV9WN)AQ@[7D9BF1U"X!KT6@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ KX _P""</\ R=-^VA_V.:_^EVJU]_U\ ?\ !.'_ ).F_;0_
M['-?_2[5: /O^BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M/R@\>?"7QQ\9/^"JGQFT7P!\1KSX8ZS!X?LKR75[)79YH%M-+1H#L=#@M(C=
M<?NQQ7V/^RW^SC\6?@SXOU;4_B!\;M3^)^FW5C]FM].OHY56WE\Q&\T;Y7&=
MJLO3^*O&/@W_ ,IDOCM_V)EM_P"B=&K[_H **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *^ /^"</_ "=-^VA_
MV.:_^EVJU]_U\ ?\$X?^3IOVT/\ L<U_]+M5H ^_Z*** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#Y]_:N_95A_:$LM,U32=37
M0/&>C\66H-N"2)NW"-ROS+AOF5ER5);@YX^8%T?]I6V_:,MM';4M&D^(:^$/
MLT>K2/&T?]F?:S^])VX,GF9&2F[')'>OTAK*;PKH[>*%\2'3+4Z^MI]@&I>6
M//%OOW^5OZ[=QW8]: /%/V6?V6_^%$KJ^OZ_JH\1^.]<.[4-2&YEC!;>R(S?
M,VY_F9VP6(7@8YI?M/?LNZE\5O$&A^.O ^MIX:^(6A@+;W4N1%<(K%D5B =I
M4LV#M8$,588QCZ-HH ^*/$?PG_:I^,VFOX5\6^)?#_ASPW< 17UQ8;3)<Q]3
MPB[CGH5W(#C!XZ_4'P;^$>A?!#P%8^%?#\;_ &6WS)-<2G,ES,V-\KGU.!P.
M   .!7;T4 ?-/[3'[*FI_$?Q7IOQ$^'NMKX9^(NEA DTC%(;I4SMW, 2K@$K
MD@JRX5ACD>:^)/@?^TU\>[.V\,_$#Q+HOA_PJ'4WK:?L+W04Y#%(Q\YSSM+*
MN0#C(%?<%% '/?#[P)I'PQ\%Z1X7T* P:7ID AA5CEFY)9V/=F8EB?5C7C'A
MGX5_%C3_ -J?5?%VH>*IKCX;S>;]GT4ZO.Z)NA"K_HY'EC#@GCIUKZ(HH \G
M_:1_9ZTC]HKP*-%O[AM.U*TD-QIVI1H&,$NW!##^)&'5<CH#G(%?/5O\._VP
M++P[_P (9%XGT,Z:L?V9->^T*;@18VX$OE^;G'\17?\ [6:^W:* /'/V8_V<
M]._9S\%3Z='=_P!JZ[J,@N-3U/85\YP"%1022$4%L9Y)9CQG ]CHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M);+P_P"'O%]MJ>L7I86]K'!,K2%4+M@L@'"JQY/:O5J "BBB@ HHHH ****
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MXAE^+MY#-INEQO<6^@V+/N=PP:-Y'; W*JLR X&YMQP,#(!^@=%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M>N.*^S/V:?V[OAM^U9XKU3P]X+@UR*_TZR^WS'5+-(4\OS%3@K(V3EQQCUH
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M445XI]$%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MN>ZU*2_>ZC@,(^:.- NTLW01^O>O9*** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@#RK]H7]G7PY^T5X332M9+66H6K-)I^
MK0(&EM7.-W!QN1L#<I/.!R" 1\/ZAX"^.WP"^/.BZ?H.LP_$'Q%9Z!++IRS,
MTQ_LX2E6B*2D$$,,A$8G! 4]J^B/VBOVF/%?P-_:&\#Z5?&SM?AOJB1O=71M
MMTO+M'+ER>!'F-_E .#WK>UJ^MKW]N#P9>6]Q%/9R^![B6.XC<-&Z&X)#!AP
M01SGI0!)^RO^UM'\=[C4O#?B#2/^$:\<Z4I:YL/F5)E5MKLBO\R%&P&1LD9'
M)YQYE^WMXH\->-O$'A[X7:=X6F\4_$F<K)I]Q:W @;3C+T!;!W;@H8HV%"@,
M2.*Y_P"$=W9_$K_@HYXJ\3^$V6X\.V%O(;F\M@##,PMDMV.X<$--E@1][;N]
M:3Q)J-O\(/\ @I.->\4LMGHNO6ZBTU.[^6*/?:+"&W= !)&8R3P V3B@"EXZ
M_9G_ &HKOX7R:=?^/XO$M@D&)] MM1D^TSQX&8_,>)?-.!RK/@X.-V>?;?V$
M/B)X(\3?#&X\.^%= ?PIJ6B3?\332YY3+(\KY'GF0@%]VP@Y *[0N,!<_1NI
M:O8Z-I=QJ5_>066GV\9EFNKB0)%&@&2S,3@#'>OAW]A__BN/VGOC#X_T:"6+
MPI=O<Q02&,HDKS72RH>?XMD;,1V\SW% 'W:<X.!DU^=O[1'P+_:+U+PRNN^.
M_$=GX]\.::XO;[0=%NC;;8TR6;8((U;"@_, S#)('4U[GX-_:MUJ/]J;Q'\+
M?'5KI6AZ?&TD>B74<<D3W+;E:$.SN5)>(DC  W#:,DBO=?BA\0]"^%O@?5?$
M?B&ZBMM.M86.R1@#.^T[8D!^\S'@#WH X;]E'XK>$_BM\(-,F\):6- M-* T
M^;1=P8V;JH.T-_&I!R'(RV3GG(KV2OB7_@EWX3U'3? 7C'Q!<PR0Z=JU[!#9
M[AA7\E9-[IGDC,@7/JA'4&OKF/XB>%)O%3>&(_$^CR>)%)#:.M_$;P83><P[
MM_"_-TZ<]* /C;X][IO^"C7PJ65<HME9[,G/ EN3GV^;-?=5?#G[=UE/\.?C
M?\)/BX+>2;3-/N8;.]:)3E1%.9@I/3+H\P'^X:^R]/\ &&B:MX7B\26FJVDV
M@26WVM=2$H$'D@9+ECP  #G/3!STH ^++=2G_!5"Y\I5 :S!D_\ !4O]0M?=
M=?"W[+D@^-O[9WQ*^*=DCR>';*-K2SNF!42.RI#$0#ZPPNV.VY<]:^Z: "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "OGGXO?M8'X
M2?'SPC\/]0T"--(UM8'?7YKLJL8ED>/ 39@;649);HV<"OH:O(_VC?V;/#O[
M1WA>WT_599-,U6Q9GL-6MT#R0%@ RE3C>C8&5R/NC!% ')^(_P#D^[PC_P!B
M7=?^E+5X?\/["PTS_@IGKMMX0BA@TE+>?^T8K4 1*QM%,H ' _T@ID=FW5RU
MQ\!/C)H?[06@>"X?BFK:Q_PC<OV'7#YGF0:>)2K0\@L&R,C#' _B%?6O[-?[
M+NA_L[Z;?3QWLVO>*-4 _M#6;E=I?!+;(UR2JY.3DDL>2>   ?.6HK;VO_!4
M2)O$VUH)HXSI33_ZL/\ 8 (L9[^8' Q_'TYK[YKQ7]I#]EO0/VA[&QN)[R?0
MO$^F*1I^LV@!:/)W!)%XWH&Y&""#D@C)!\@OOV6?V@O$&F/X>U;XZ[_#KIY3
MO'#(;F1.X<@*S9'7,ASWH Y7]BU;9OVP/C))X8*#P>%N@BVY_<%C>+Y)3'&W
M FV_[)XKW_P'^U3IWC+X_P#B3X576ARZ)J6D^>(;JXNE87IC9>$0*,;D8R#D
M_*IKJ_@/\!/#7[/O@\Z%X>669YY!/>ZA=$&:ZDQC+$  *!]U1P,GJ22>#_:(
M_9$T_P",WB"S\7Z!KEQX,\>6001:O9@XE"_=WA2K!E' =3D#@@@   ]P\676
MDV7A?5Y]?:!=#CM)6OC<X\KR-A\S=GMMSFOBW_@EG:WB^&_B'<_O!I$M]:QV
MROVD5)3)[9VM#GZ"MO5?V/\ XR?$Z&+1_B+\9VOO"ZRJTEGI\!WSJIXW<(N[
MW;> <'!Q7U+\-?AOH/PF\&Z?X8\-VGV32[)2%#'<\C$Y9W;^)F)))_ 8  H
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M<?RNSXW L1NQG SCMFOKZ@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MA.V\.>%M.33=,@)?:"6>5S]Z1V/+,<#D^@ P  .IHHH **** "BBB@ HHHH
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M **** "BBB@#X ^#?_*9+X[?]B9;?^B=&K[_ *_*#QY\)?''QD_X*J?&;1?
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M.QZCN8B3EE'3[P[@_(M6-/T^ZU:^M[*RMY;N\N)%BAMX$+R2.QPJJHY))(
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !7P!_P3A_Y.F_;0_P"QS7_T
MNU6OO^O@#_@G#_R=-^VA_P!CFO\ Z7:K0!]_T444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MJ45G7?["7QTLMOF> IFW=/)U&SD_/;,<?C1[# /JOO\ ^"'UK-([I_\ @/\
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M(5HQ_P#!4;XK)&JG0O![D#!9K*ZR?<XN<5/]FU_+[RO[8POG]Q^I-%?F0O\
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M$T\0?^!L'^% 'Z545^:O_#[SP1_T33Q!_P"!L'^%97_#\;0_^B2:A_X/(_\
MXQ0!^G]%?F!_P_&T/_HDFH?^#R/_ .,52OO^"Y=K'*!9_!F:>+;RT_B81'/I
M@6C<=.<T ?J917Y5_P##\[_JB?\ Y=?_ -Q5#=?\%S)WMV%M\%XXIN-KR^*"
MZCGG*BS7/'O0!^K5%?DK_P /QM<_Z))I_P#X/)/_ (Q1_P /QM<_Z))I_P#X
M/)/_ (Q0!^M5%?D'-_P6^\:-*YB^&6@I$6.U7OYV('8$X&3[X%,_X?>>./\
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MF_G6-/\ \%S4$D@A^"K,F2$:3Q3@D=B0+,X^F?QKX[@_X)P_M(7$<;K\+-2
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MDU\;>-OVIOBOXV;PEK'AKPA/H.A7&MQQZ<3.Y.K2 G;;N<IO1L'( QD8W<4
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MEVJT ??]%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 55U/3;36M.N;"_
MMHKVQNHVAGMYT#QRHPPRLIX((/2K5% 'Y7_M8_L*Z]\-?$@UCX?:3?\ B'PI
MJ$V$LK*%[BYT^1CQ&RJ"S1D_=?M]UN<%OIS]B_\ 8OM?@M8P>+O%T$5WXZN(
M\Q0G#QZ4C#E%/0RD'#..G*KQDM]:45Z%3&U:E)4F_P#@GE4LMH4JSK17HNB"
MBBBO//5"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ JC+H>FSR-))I]K)(QRS- I)/J3BKU% C D^'_A>61G?
MPWI#NQRS-81$DGJ2=M9S?!SP"[%F\#^&V8G))TBWR?\ QRNPHJN:7<GDB]T>
M>M^SO\*FSGX9^#^?^H#:_P#QNLYOV6?A RE3\-_#>",<:?&#^>*]3HJ_:U/Y
MG]Y'L:3WBON/&Y/V._@O)&R'X>:0 PP=JN#^!#9%9TW[#OP.FC:-O %J%88.
MR\NE/X$2Y'X5[K15>WJ_SO[V1]6H/>"^Y'SS-^P!\")8F1?!+0L>DB:O?$CZ
M9F(_2LZX_P""=GP1FA9$T&_@8])(]4G+#GMN8C]*^EZ*KZS7_G?WD?4\,_\
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MT^(_D]P"1[U_0/10!^ /_#KC]IW_ *)G_P"5_2__ ))J6U_X)9?M-7$ZQO\
M#F.V1NLLNO::57COMN"?R%?OS10!^"W_  Z?_:2_Z%#3_P#P=VG_ ,<H_P"'
M3_[27_0H:?\ ^#NT_P#CE?O310!^%$/_  2*_:(DA1VTG0868 F-]8CW+['
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 (RAU*L RD8((X-?GC^UC_ ,$^-3NO$@\2_";3([FVU";_ $S0$ECA
M%M(Q_P!9"795\LGJF?E/3Y>%_0^BNBAB)X>7- Y,3A:>*AR5%_F?/O[)O[)N
MC_LY^&_M5UY.I^-;Z("_U(#*Q*<'R(<\A <9/5R,G "@?05%%9U*DJLG.;NS
M:E2A1@J<%9(****S-0HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@#X ^#?_ "F2^.W_ &)EM_Z)T:OO^OR@\>>-
M_BMX!_X*J?&;4/@_X*L_'?B63P_907&G7LFQ([0VFEL\H/F1\AUB7K_&>.X^
MQ_V6_BO^T1X^\7ZM9_&+X6:9X#T.&Q\VSO;&<.TUQYB#RR//DXV%CT'3K0!]
M,4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !15:^U.STU-]Y=P6J
M8)W3R*@P.IY--L-6L=53?97EO>)C.ZWE5Q^AH MT444 %%%% !1110 4444
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M)!!&H1(HU"JB@8  '  J6@ HHHH *^ /^"</_)TW[:'_ &.:_P#I=JM??]?
M'_!.'_DZ;]M#_L<U_P#2[5: /O\ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH ^ /@W_RF2^.W_8F6W_HG1J^_P"O@#X-_P#*9+X[?]B9;?\ HG1J^_Z
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@#S#XT?M#^%/@G9JNJW#7VMS
MINM=%L\-<39)"DC^!20?F/H< D8KY]U"?]I7]H1E-G:CX:>')>4W3-:2%?\
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M#_:5\?\ C759KI-"UK^T/LCQ6Y>0^=>1S)N7/'R*<^AKZ8_X;V^%'_/WJO\
MX -_C0!YI_P3I)M=8^)EC&S?9HI+/8A.<8:X&?R _*OM:OB3_@G3<)=^(/B9
M/'DQR-9NN1V+W!%?;= !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %? '_!.'_DZ;]M#_L<U_\ 2[5:^_Z^ /\ @G#_ ,G3?MH?]CFO_I=JM 'W
M_1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110!^4'CSX2^./C)_P54^,VB^
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MX<C!&,#<01@GK70?MQ0C6/CI\+-*F7S;:8QH8VZ'S+I58?B *^W%4*H & .
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MLG0_".A>&6F;1]%T_26F $C6-K'"7 S@-M SC)Z^M:U !1110 4444 %%%%
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M]_T444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MPC%Q$NW<QCQMX& V2"Q!-?:/P>^%.D_!GP)9>&=)+31PDRW%U(H5[F9L;I&
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M_P#"VO W_0Y^'_\ P:0?_%T?\+:\#?\ 0Y^'_P#P:0?_ !='*^P7.LHKD_\
MA;7@;_H<_#__ (-(/_BZ/^%M>!O^AS\/_P#@T@_^+HY7V"YUE%<G_P +:\#?
M]#GX?_\ !I!_\71_PMKP-_T.?A__ ,&D'_Q='*^P7.LHKD_^%M>!O^AS\/\
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M44 %%%% !1110 4444 >R_L<_P#)RO@?_KYF_P#2>6OUKK\E/V.?^3E? _\
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MN@1,D8+,6D!Z.[.6(/0!>AR!]+4 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 5\ ?\$X?^3IOVT/\ L<U_]+M5K[_KX _X)P_\G3?MH?\ 8YK_
M .EVJT ??]%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !7)_%K_DE7C/\ [ M[_P"B'KK*Y/XM
M?\DJ\9_]@6]_]$/51W0GL?BW1117O' %%%% !1110 4444 %%%% !1110 44
M44 %%%% !7LO['/_ "<KX'_Z^9O_ $GEKQJO9?V.?^3E? __ %\S?^D\M14^
M!E1^)'ZUT445X1W!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% ')_%K_DE7
MC/\ [ M[_P"B'K\6Z_:3XM?\DJ\9_P#8%O?_ $0]?BW7I879G-5W04445W&
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M:-98I-)C1XW *LI!!!!ZB@"_\$?C1HWQR\%QZ[I2M;31OY%[8RME[:8 $KG
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M<U_]+M5K[_KX _X)P_\ )TW[:'_8YK_Z7:K0!]_T444 %%%% !1110 4444
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !7)_%K_DE7C/\ [ M[_P"B'KK*Y/XM?\DJ\9_]@6]_]$/5
M1W0GL?BW1117O' %%%% !1110 4444 %%%% !1110 4444 %%%% !7LO['/_
M "<KX'_Z^9O_ $GEKQJO9?V.?^3E? __ %\S?^D\M14^!E1^)'ZUT445X1W!
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% ')_%K_DE7C/\ [ M[_P"B'K\6
MZ_:3XM?\DJ\9_P#8%O?_ $0]?BW7I879G-5W04445W& 4444 %%%% !1110
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MF_\ 2>6OUKKS,5\:.JE\(4445Q&P4444 %%%% !1110 4444 %%%% !1110
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M&0#R,CO7MWP%^&>H_"#X;V/A;4=:776LY)##.L)B$<;-N$>"S$X);GCKC'%
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M<H_X>.>"?^A9U_\ *#_XY0!Z%^S5_P +J\_Q!_PMS_5[8/[-_P"/+KF3S?\
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 <G\6O\ DE7C/_L"
MWO\ Z(>OQ;K]I/BU_P DJ\9_]@6]_P#1#U^+=>EA=F<U7=!1117<8!1110 4
M444 %%%% !1110 4444 %%%% !1110![+^QS_P G*^!_^OF;_P!)Y:_6NOR4
M_8Y_Y.5\#_\ 7S-_Z3RU^M=>9BOC1U4OA"BBBN(V"BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH *Y/XM?\DJ\9_]@6]_]$/765R?Q:_Y)5XS_P"P+>_^B'JH[H3V
M/Q;HHHKWC@"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ KV7]CG_DY7P/
M_P!?,W_I/+7C5>R_L<_\G*^!_P#KYF_])Y:BI\#*C\2/UKHHHKPCN"BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** .3^+7_)*O&?_8%O?_1#U^+=?M)\6O\
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M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 <G\6O^25>,_\
ML"WO_HAZ_%NOVD^+7_)*O&?_ &!;W_T0]?BW7I879G-5W04445W& 4444 %%
M%% !1110 4444 %%%% !1110 4444 >R_L<_\G*^!_\ KYF_])Y:_6NOR4_8
MY_Y.5\#_ /7S-_Z3RU^M=>9BOC1U4OA"BBBN(V"BBB@ HHHH **** "BBB@
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M_P#)RO@?_KYF_P#2>6OUKKS,5\:.JE\(4445Q&P4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !7)_%K_ ))5XS_[ M[_ .B'KK*Y/XM?\DJ\9_\ 8%O?_1#U4=T)
M['XMT445[QP!1110 4444 %%%% !1110 4444 %%%% !1110 5[+^QS_ ,G*
M^!_^OF;_ -)Y:\:KV7]CG_DY7P/_ -?,W_I/+45/@94?B1^M=%%%>$=P4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !7)_%K_ ))5XS_[ M[_ .B'KK*Y/XM?\DJ\9_\
M8%O?_1#U4=T)['XMT445[QP!1110 444^&&2XD6.*-I9&Z(BDD_@* &44,I5
MB",$<$&B@ HHHH **** "BBB@ HHHH *]E_8Y_Y.5\#_ /7S-_Z3RUXU7LO[
M'/\ R<KX'_Z^9O\ TGEJ*GP,J/Q(_6NBBBO".X**** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH Y/XM?\DJ\9_P#8%O?_ $0]?BW7[2?%K_DE7C/_ + M[_Z(
M>OQ;KTL+LSFJ[H****[C *]+_9IFL+?X_> I-2=8[5=6@.YC@"3=^[)_X'LK
MS2@$J01P:35TT-:.Y][?$;P[XDL_^"@GA+5]3@N'T*\EA32[D@F$(MJ0\8/0
M,)/,8KU^;/>OGGP?^T9XG^ _C+Q_#H-OI][!J]],DT&IQO)$I660!E577G#$
M<\'C(XKV7]E']L+QCKOC+PQX \10VNO6EU(+:'4I\K=Q!4)!9N1)C:.2-WJQ
MKI;[X;?!C]K!O$]CX2L&\'?$/3'F>1%C$22LKE2[(I*/&7(RR@.,@GK@\7P>
M[46EC;XM8L^!I&#R,P4("<A5S@>PS7UA^SSX7TWX!_#.\^.'BZV274)4:U\+
M:7-PTTK CSL=<$;L'L@=N<K7 ?LU_LZW?Q5^*%W8:Y"]IX>\.RE]<D)QC8Q'
MD C^)BC#(Z*K'J!F[^T[XV\3_&CQR!IOAO5K3PCHZFST:Q73Y418A@&3;MX+
M[1QV4*.U;S?,^1?,B/NKF/6O^"CEY)J6A?"2[FQYL]M?2OM&!N9;,G'XFOB:
MON+]OSP]JNL>%_A$MAIEY>M#9W8E6WMWD,9*6F V!QT/7T-?#M*A_#05/B.A
M^'.@P^*OB%X8T6Y(%OJ6J6MG(6.!MDE5#SVX:OJ+_@HCXZU"U\7:#X!L7:P\
M-6.FQ77V* &..21G=5R!P518U"CL2U?(VDZG<:+JEGJ%H_EW5I,EQ$V,X=&#
M*?S K[P\::%X _;H\+Z)K^G>*+/PKX]T^V%M=6=V1DC[QC*DAF0,7*2+GAB"
M,\*5/=G&3V".J:1XM^P3XYU70/CQIOA^WGD;2->AN(;NT))0E(7E23;TW QX
MS_=9AWKSC]I+P3;?#OXY^,=!L8E@LK>]\VWA086..5%F1![*L@ ^E?5/P'^$
M?@W]G#XJZ%#JGB>U\8?$'6)#8V.G:3CRM/C9<RSR$DD'8& R!D$@ Y++X%^W
M!,DW[3OC#8/N"S5CZD6D/_ZOPJ8R4JK:VL-JT-3PFBBBNHR/9?V.?^3E? __
M %\S?^D\M?K77Y*?L<_\G*^!_P#KYF_])Y:_6NO,Q7QHZJ7PA1117$;!1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 ?E!X\^$OCCXR?\%5/C-HO@
M#XC7GPQUF#P_97DNKV2NSS0+::6C0'8Z'!:1&ZX_=CBOL?\ 9;_9Q^+/P9\7
MZMJ?Q ^-VI_$_3;JQ^S6^G7T<JK;R^8C>:-\KC.U67I_%7C'P;_Y3)?';_L3
M+;_T3HU??] !1110 4444 %%%% !1110 4444 %%%% !1110!R_BWX7^$?'E
MU!<^(O#FFZU<0)Y<4M];K(R+G. 2.!FL'_AG/X7_ /0A:!_X Q_X5Z-7SW^V
MA\8]3^%OP[L]/T"62WU_Q#.UI!<1'$D,:@&1D_V_F10>HWY'(% $OC+1?V</
MA_=-:Z_IW@W3[Q/OVIMXY)E_WHT!8?B*K^&+7]FCQC>1VFDVG@NYNY,>7 \$
M<4CY[*K@$GV'-<%\,O\ @GSHCZ-!J'C[5=0O=;N56::SLI5CCA9N61G(9I&S
MU8$#KUZUH>.O^">'A#4-)G;PKJVHZ1JJ@F);V1;BW8X^ZPVAAG^\"<9Z'I0!
M]'^$?AKX5\ R7,GAOP]I^B/=!5F:QMUB,@7.T-@<XR?SKI:^8OV*_BAX@UBU
M\1_#WQ?)+)X@\*R^4LEPV^0Q!F1D9LG=L=< ]PR^E?3M !1110 4444 %%%%
M "5SGQ$^'^C_ !0\'ZAX;UV!IM/O% 8QG:\; @JZ'LP(!'Y'()%>)?M.?!7X
MC>,?%ND^+_ASKPTW4=/LOLKVL=V]M+-B1G&&^XP^;&UR!7END_MA?%/X.7T6
ME_%;P;->0YV"]\G[+,_J5=089>A^[COS0!7F_8[^,GPPOID^'?CDMI<LF[RX
M+^6Q<\<&2+E"<<9R?H*1OV1_CA\3[A+;QYXZ\O25D#-'<:A+>8/]Y(1A,_4K
M7TC\-?VJ/AO\4/*AT_7H].U*3 &G:MBVFR?X5R=KG_<8UZW0!QOPG^%6A_!O
MP;;>'=!B86\9,DUQ+@RW,I W2.1U)P![  #I79444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 5\ ?\$X?^3IOVT/^QS7_P!+M5K[_KX _P""
M</\ R=-^VA_V.:_^EVJT ??]%%% !1110 4444 %%%% !1110 4444 %%%%
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MGEK]:Z\S%?&CJI?"%%%%<1L%%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5R?Q:_
MY)5XS_[ M[_Z(>NLKD_BU_R2KQG_ -@6]_\ 1#U4=T)['XMT445[QP!1110
M4444 %%%% !1110 4444 %%%% !1110 5[+^QS_R<KX'_P"OF;_TGEKQJO9?
MV.?^3E? _P#U\S?^D\M14^!E1^)'ZUT445X1W!1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% ')_%K_DE7C/_L"WO_HAZ_%NOVD^+7_)*O&?_8%O?_1#U^+=
M>EA=F<U7=!1117<8!1110 4444 %%%% !1110 4444 %%%% !1110![+^QS_
M ,G*^!_^OF;_ -)Y:_6NOR4_8Y_Y.5\#_P#7S-_Z3RU^M=>9BOC1U4OA"BBB
MN(V"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH *Y/XM?\DJ\9_\ 8%O?_1#UUE<G
M\6O^25>,_P#L"WO_ *(>JCNA/8_%NBBBO>. **** +>EZ3?:Y>)9Z=97&H7;
M_=@M8FDD;Z*H)-?1'['GC;QIX1^/'AWP5/J>J:;I<UU-%>Z'=%E16$,C$&)Q
M\C;@,X /%>5? CXFGX/_ !8\/^*FB>>VLYBMS#']YX'4QR #N0K$C/<"OO#3
MO@GHOQ _:#\-_&SP'XCTW4M&ED,VIVJR'<'\AHPR8!PQRNY'VD$$\YP.:M*U
MXR6EOQ-8+JC!^$_QCT_]K2^\5?"[XAZ#8S7-K'/-97]JA4[4?R]ZAL[)5W*0
MRG!Y& .#YG^QI^SO;7?Q5\6:OK*KJ7_"#WSVEM8D!?/O%9PKMG@!?+R ?XB#
M_#SW_@?X?Z#^QBWBOXB>.==L;OQ-J*3PZ9H]C(2S(S^9L&0"S,50%MNU #R<
MU\1'XE>)X=8U;4;'7=1TJ;5+I[NY73[N2%7D9BQ)"L,\L>M9QCS<RAHBF[6<
MMSZ8^*W[)/QR^+WCO5/%&LVVDFYO)/W<*ZDI2WB'"1)QT4?F<D\DU[#^U]^S
MOXQ^+WAWX>P>'H;.230;6Y2]^T7(C +);@;<CG_5/^E?!?\ PMKQS_T.?B#_
M ,&D_P#\77UO^W=X^U;2?#'PI.A^([RSDGL[LW1T^^=#(0EKCS-C<GENOJ:)
M1FI15T"<6F?#M%=[\"_AK:_%WXG:5X6O=5_L2VO5F9KW8'V;(GD'!(')7'7O
M4'QI^'MM\*_B=K?A:SU/^V+?3VB5+W8$\W?$DAX!(&"Y'7M77S*_+U,;.UST
M[]ACX<IX]^/&GW=S")=/T")M4D##*F12%A'U#LK?\ -<Q^U9\3'^*7QP\1:B
MDYFTZRF.G6 S\HAB)7*^S-O?_@=>Z?L-WUKX(^#OQ;\7FXAAOX;9A#YC@-^X
MMY)0%'7EG'3T%?%Q)8DGDUE'WJDGVT+>D4@HHHK<S"O9?V.?^3E? _\ U\S?
M^D\M>-5[+^QS_P G*^!_^OF;_P!)Y:BI\#*C\2/UKHHHKPCN"BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** .3^+7_)*O&?_ &!;W_T0]?BW7[2?%K_DE7C/
M_L"WO_HAZ_%NO2PNS.:KN@HHHKN, HHHH **** "BBB@ HHHH **** "BBB@
M HHHH ]E_8Y_Y.5\#_\ 7S-_Z3RU^M=?DI^QS_R<KX'_ .OF;_TGEK]:Z\S%
M?&CJI?"%%%%<1L%%%% !1110 4444 %%%% !1110 4444 %%%% !1110!\ ?
M!O\ Y3)?';_L3+;_ -$Z-7W_ %^5'B[]I;PC^RO_ ,%6?C1XL\9QZE+I=YX>
ML]+C72[=9I/.>TTN49#.HV[87YSUQQ7V9^S3^W=\-OVK/%>J>'O!<&N17^G6
M7V^8ZI9I"GE^8J<%9&R<N.,>M 'T71110 4444 %%%% !1110 4444 %%%%
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M73],D:2SL+6T=AM+00JA(],@5\&_!O\ Y3)?';_L3+;_ -$Z-7W_ $ %%%%
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MH **** "BBB@ HHHH **** "N3^+7_)*O&?_ &!;W_T0]=97)_%K_DE7C/\
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MCVFFVODI8PSM+$9"Q+RC(&"1L7'/"#FJES-I1T$K;L[CXA_L7W6F>"[CQ?\
M#[Q=I_Q%T&U5GN/L 431JHRQ 5W5]HY(R&']TU\UU]O_ /!//0M:\)VOC+Q;
MK:RZ1X*DL5S<7N8X)G0EC*N>JHFX%NGS8SUKXMUR>VNM:U":R3RK.2XD>!,8
MVQEB5&/IBHIR?,XMWL.25DT4J***W(/9?V.?^3E? _\ U\S?^D\M?K77Y*?L
M<_\ )RO@?_KYF_\ 2>6OUKKS,5\:.JE\(4445Q&P4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MQO)(RQQH"S,QP !U)- 'Y_\ @7_@HEXB\/Z#9V&O^&;?Q'<6\8C-\EZUM)*
M  S_ "."WJ1C/H*Z3_AY;_U3G_RN?_<U?3UY^T!\-+&X:&;QYX>$BG#*NHQ-
M@^F0QYJ'_AHSX7_]#[H'_@='_C0!R?[-7[3?_#0\_B"/_A&_^$?_ +)6!L_;
M_M/F^89/^F:;<>7[YS[5[E7%^ _C%X0^)VHZI9>%]9CUF335B>YD@1_+3S-V
MT!B &/R-TSBNTH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ KX
M _X)P_\ )TW[:'_8YK_Z7:K7W_7P!_P3A_Y.F_;0_P"QS7_TNU6@#[_HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#D_BU_R2KQG_V!;W_T
M0]?BW7[2?%K_ ))5XS_[ M[_ .B'K\6Z]+"[,YJNZ"BBBNXP"BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@#V7]CG_ ).5\#_]?,W_ *3RU^M=?DI^QS_R
M<KX'_P"OF;_TGEK]:Z\S%?&CJI?"%%%%<1L%%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 5R?Q:_Y)5XS_[ M[_Z(>NLKD_BU_R2KQG_ -@6]_\ 1#U4=T)['XMT
M445[QP!1110 4444 %%%% !1110 4444 %%%% !1110 5[+^QS_R<KX'_P"O
MF;_TGEKQJO9?V.?^3E? _P#U\S?^D\M14^!E1^)'ZUT445X1W!1110 4444
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ KD_BU_R2KQG_ -@6]_\ 1#UUE<G\6O\ DE7C/_L"WO\
MZ(>JCNA/8_%NBBBO>. **** "BBB@ HHHH **** "BBB@ HHHH **** "O9?
MV.?^3E? _P#U\S?^D\M>-5[+^QS_ ,G*^!_^OF;_ -)Y:BI\#*C\2/UKHHHK
MPCN"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** .3^+7_)*O&?\ V!;W_P!$
M/7XMU^TGQ:_Y)5XS_P"P+>_^B'K\6Z]+"[,YJNZ"BBBNXP"BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@#V7]CG_DY7P/_ -?,W_I/+7ZUU^2G['/_ "<K
MX'_Z^9O_ $GEK]:Z\S%?&CJI?"%%%%<1L%%%% !1110 4444 %%%% !1110
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MYF_])Y:_6NOR4_8Y_P"3E? __7S-_P"D\M?K77F8KXT=5+X0HHHKB-@HHHH
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M#2/ 'A?3O@=X&F_XDNC8;7+Q,;KV\!R58CKAOF;_ &L+QLKI_P#@HM_S2_\
M[!MQ_P"T:J36O[(ES-)--K'B.661B[R.+HLS$Y))*<DFO</VLK;X-36?A?\
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MD0) Z;O<5]B5A^#/ ^@_#W08-%\.:7!I.F0\K! #R>[,QRS,<#+,23CK6Y0
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M#_@G#_R=-^VA_P!CFO\ Z7:K0!]_T444 %%%% !1110 4444 %%%% !1110
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M=HWCKXE:YKWA_2_[%T>\D1[>Q\I(_* C52-J?*.03QZUQM%'*N;F"^ECZO\
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MKQG_ -@6]_\ 1#U^+=?M)\6O^25>,_\ L"WO_HAZ_%NO2PNS.:KN@HHHKN,
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M\#_]?,W_ *3RU^M=>9BOC1U4OA"BBBN(V"BBB@ HHHH **** "BBB@ HHHH
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M#^IQ7V?0 445Q_Q>M?&5Y\,_$,'P]N[.P\:O:D:5<Z@ 8(YLC!<%6&,9_A-
M'85\ ?\ !.'_ ).F_;0_['-?_2[5:/\ A#?^"AG_ $/?P_\ ^_$/_P B5S__
M  2?A\16_P :/VJXO%T]O=>+(_$%FFL3V@ ADO1<ZF)V0  ;3)O(X'!' H _
M1^BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** .3^+7_)*O&?
M_8%O?_1#U^+=?M)\6O\ DE7C/_L"WO\ Z(>OQ;KTL+LSFJ[H****[C ****
M"BBB@ HHHH **** "BBB@ HHHH **** /9?V.?\ DY7P/_U\S?\ I/+7ZUU^
M2G['/_)RO@?_ *^9O_2>6OUKKS,5\:.JE\(4445Q&P4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !7)_%K_DE7C/_L"WO_HAZZRN3^+7_)*O&?\ V!;W_P!$/51W
M0GL?BW1117O' %%%% !1110 4444 %%%% !1110 4444 %%%% !7LO['/_)R
MO@?_ *^9O_2>6O&J]E_8Y_Y.5\#_ /7S-_Z3RU%3X&5'XD?K71117A'<%%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M2KQG_P!@6]_]$/765R?Q:_Y)5XS_ .P+>_\ HAZJ.Z$]C\6Z***]XX HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH *]E_8Y_Y.5\#_P#7S-_Z3RUXU7LO
M['/_ "<KX'_Z^9O_ $GEJ*GP,J/Q(_6NBBBO".X**** "BBB@ HHHH ****
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M444 %%%% !1110 5[+^QS_R<KX'_ .OF;_TGEKQJO9?V.?\ DY7P/_U\S?\
MI/+45/@94?B1^M=%%%>$=P4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!R?
MQ:_Y)5XS_P"P+>_^B'K\6Z_:3XM?\DJ\9_\ 8%O?_1#U^+=>EA=F<U7=!111
M7<8!1110 4444 %%%% !1110 4444 %%%% !1110![+^QS_R<KX'_P"OF;_T
MGEK]:Z_)3]CG_DY7P/\ ]?,W_I/+7ZUUYF*^-'52^$****XC8**** "BBB@
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MF+16U_PA/B+_ * &J?\ @')_\31_PA/B+_H :I_X!R?_ !-',NX69BT5M?\
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M44 %%%% !1110 4444 >R_L<_P#)RO@?_KYF_P#2>6OUKK\E/V.?^3E? _\
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ME:2+PK\>/C-X,T[*Z'!?"\MK=?\ 5V[;V5E4=N&5?I&/2OJJ@ HHHH ****
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M44 %%%% !1110!VGP:_Y*9H7_71__1;5]=5\B_!K_DIFA?\ 71__ $6U?75
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !7)_%K_DE7C/_L"WO_HAZZRN
M3^+7_)*O&?\ V!;W_P!$/51W0GL?BW1117O' %%%% !1110 4444 %%%% !1
M110 4444 %%%% !7LO['/_)RO@?_ *^9O_2>6O&J]E_8Y_Y.5\#_ /7S-_Z3
MRU%3X&5'XD?K71117A'<%%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 9/B[
M_D5-:_Z\IO\ T6U?$]?;'B[_ )%36O\ KRF_]%M7Q/0 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% ':?!K_ )*9H7_71_\ T6U?75?(OP:_Y*9H
M7_71_P#T6U?75 !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !63XN_Y%36
MO^O*;_T6U:U9/B[_ )%36O\ KRF_]%M0!\3T444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !7:?!K_ )*9H7_71_\ T6U<77:?!K_DIFA?]='_ /1;
M4 ?75%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% &3XN_Y%36O^O*;_
M -%M7Q/7VQXN_P"14UK_ *\IO_1;5\3T %%%% !1110 4444 %%%% !1110
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MX]^"6U-;=;#6+*06^HV2ME4<C*NG?8PSC/((8<XR?5Z "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH *^ /^"</_ "=-^VA_V.:_^EVJU]_U\ ?\
M$X?^3IOVT/\ L<U_]+M5H ^_Z*** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH R?%W_(J:U_UY3?\ HMJ^)Z^V/%W_ "*FM?\ 7E-_Z+:OB>@
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M-?\ )3-"_P"NC_\ HMJ /KJBBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@#)\7?\BIK7_7E-_Z+:OB>OMCQ=_R*FM?]>4W_ *+:OB>@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** .T^#7_)3-"_ZZ/_Z+:OKJOD7X-?\
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M1110!D^+O^14UK_KRF_]%M7Q/7VQXN_Y%36O^O*;_P!%M7Q/0 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% ':?!K_DIFA?]='_]%M7UU7R+\&O^
M2F:%_P!='_\ 1;5]=4 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %9/B[
M_D5-:_Z\IO\ T6U:U9/B[_D5-:_Z\IO_ $6U 'Q/1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %=I\&O^2F:%_UT?_T6U<77:?!K_DIFA?\ 71__
M $6U 'UU1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!D^+O^14UK_K
MRF_]%M7Q/7VQXN_Y%36O^O*;_P!%M7Q/0 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% ':?!K_DIFA?]='_]%M7UU7R+\&O^2F:%_P!='_\ 1;5]
M=4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %9/B[_D5-:_Z\IO\ T6U:
MU9/B[_D5-:_Z\IO_ $6U 'Q/1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %=I\&O^2F:%_UT?_T6U<77:?!K_DIFA?\ 71__ $6U 'UU1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110!D^+O^14UK_KRF_]%M7Q/7VQXN_Y
M%36O^O*;_P!%M7Q/0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MEP:3ID/*P0 \GNS,<LS' RS$DXZUN4 %%%% !1110 4444 >*?'3]JCP_P#
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M_P"QS7_TNU6OO^O@#_@G#_R=-^VA_P!CFO\ Z7:K0!]_T444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110!D^+O^14UK_KRF_\ 1;5\3U]L>+O^
M14UK_KRF_P#1;5\3T %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M!VGP:_Y*9H7_ %T?_P!%M7UU7R+\&O\ DIFA?]='_P#1;5]=4 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %9/B[_ )%36O\ KRF_]%M6M63XN_Y%36O^
MO*;_ -%M0!\3T444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7:?!K
M_DIFA?\ 71__ $6U<77:?!K_ )*9H7_71_\ T6U 'UU1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110!D^+O^14UK_KRF_\ 1;5\3U]L>+O^14UK_KRF
M_P#1;5\3T %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!VGP:_Y*
M9H7_ %T?_P!%M7UU7R+\&O\ DIFA?]='_P#1;5]=4 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %9/B[_ )%36O\ KRF_]%M6M63XN_Y%36O^O*;_ -%M
M0!\3T444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7:?!K_DIFA?\
M71__ $6U<77:?!K_ )*9H7_71_\ T6U 'UU1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M9..0.U\ ?M)_#_X6?L^>$/[3\06EWJEKH]NATBQE6:Z,GECY"BGY#[O@#\J
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M)Z^V/%W_ "*FM?\ 7E-_Z+:OB>@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** .T^#7_ "4S0O\ KH__ *+:OKJOD7X-?\E,T+_KH_\ Z+:OKJ@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ K)\7?\BIK7_7E-_Z+:M:LGQ=
M_P BIK7_ %Y3?^BVH ^)Z*** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ KM/@U_P E,T+_ *Z/_P"BVKBZ[3X-?\E,T+_KH_\ Z+:@#ZZHHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MB@ HHHH **** "BBB@ HHHH R?%W_(J:U_UY3?\ HMJ^)Z^V/%W_ "*FM?\
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MDGF@#Z$HKP&QL_$GP5^(6EZ;%>7VO>%M38(5D5G,.6"D\9VE<@\8!';T]^H
M**"0H))P!7SU;W&N_M">+-2CM]4N-'\':>_E@6Y(:;KC_>8XSSD*"..>0#Z%
MHKYY\8?#36O@[;P:_P"#M9U&[BBE5;BQG_>;@3U(4 ,I. 1C(SG->Z^'-6.O
M:#I^HM ]J]U DK02 AHV(!*G/H<B@#1HHHH [3X-?\E,T+_KH_\ Z+:OKJOD
M7X-?\E,T+_KH_P#Z+:OKJ@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MLCIMDL0FGNW@FCF65G5D*J<$9!!!!!%>=?\ #-O[3'_12;K_ ,*>]_PH O?
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M(TJYU  P1S9&"X*L,8S_  F@#L*^ /\ @G#_ ,G3?MH?]CFO_I=JM'_"&_\
M!0S_ *'OX?\ _?B'_P"1*Y__ ()/P^(K?XT?M5Q>+I[>Z\61^(+--8GM !#)
M>BYU,3L@  VF3>1P.".!0!^C]%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 9/B[_D5-:_Z\IO\ T6U?$]?;'B[_ )%36O\ KRF_]%M7Q/0
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!63XN_Y%36O^O*;_ -%M6M63XN_Y%36O^O*;_P!%M0!\3T444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !7:?!K_DIFA?]='_]%M7%UVGP:_Y*9H7_
M %T?_P!%M0!]=4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 9/B[_D
M5-:_Z\IO_1;5\3U]L>+O^14UK_KRF_\ 1;5\3T %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110!VGP:_Y*9H7_71__1;5]=5\B_!K_DIFA?\ 71__
M $6U?75 !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !63XN_Y%36O^O*;_
M -%M6M63XN_Y%36O^O*;_P!%M0!\3T444 %%%% &'XX\2?\ "(^$=5U@(LCV
MD#.B/T9^B@^VXBOFR;P#-XF^%FK_ !!U_4KJ]U28%K9"_P JJ)0A+?CNPHP
M,?A],>+O#L7BWPSJ6CS/Y:7D+1B3&=C=5;'?! /X5\R:UJ7B[X<^ ]4\$ZYH
M[2Z9-Q;7\9)CCS('.& PP)!.#@C=^% '1S>!=?\ A'KVA:QX/&HZMI]\JM=Z
M?'&TN!A2P;:,8(8[2>01UKW3QEXJM_!OA:_UJY4M';1;A'T+L2 J^V6(%<K\
M.?C-X8\716>F6]T]IJ*Q*BVUXH1I"  =IR0?IG/M7/\ [4]\]OX LK=#@7%^
M@?W4(YQ^>/RH P?"O@#Q+\9K$^(?$_B&\L+&Y)-I8VAVKMSPP7.%'IP2<9)]
M9=-F\3?!GXBZ7HMSJ5UK_AO5'5$><,QBW,%SWVE202 <$'IGI8TOXD^+M8TN
MUT[X?>&X[O3=.ACM3J%X0J2%% .S<R#MZD^PS6QX%^-E_=>*1X8\8Z2NB:Q(
MP6%XP5C<D<*0Q/7L02#T^H!Z]45U=165K-<3N(X84,CN>BJ!DG\JEHH ^=?#
MMOXB_:%U74M1N=9NM#\,VTODPVMJV"QQG;P0"0""6;/WL 8Z)XFLO$'[/.HZ
M;J5CK5SK/AVYE\F:SNVS@XSCK@$J#AAC[N",=?<?%&N6W@OP]?:LUH\T<.UV
MAM4&^1F95&!W.2*^<_&'CQOC1XJTO0M1>/PGHT,OF'[<3YCL>.N, X) !P.3
MDF@#ZAM;J.\M8;B([HID61#Z@C(J6H[6WCM+:*"(;8HD"(OHH&!4E !7:?!K
M_DIFA?\ 71__ $6U<77:?!K_ )*9H7_71_\ T6U 'UU1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110!D^+O^14UK_KRF_\ 1;5\3U]L>+O^14UK_KRF
M_P#1;5\3T %%%% !69XFT&#Q1X?U#2;DE(;R%HBR]5R.&'N#@_A6G6-XP\5V
MG@GP]=:S?1SRVEOMWK;J&?YF"C ) ZD=Z /FS7O^$S^&'@O6/"&I:6;[0)]P
M@U*,$I&"P.0PR ">=K8.2:]>^&OQL\,^)[?3](6XDL-16)(5AO%"B5@ ,(P)
M!SV!P3Z4GC_Q/:>,O@3JVL60=;:ZM=RK)C<N) I!P2,@@UPWQW\):58_#WP_
MX@M+>.QU96MXS- -C2@QD\XZL"H(/7@T =)^U->O;_#^S@4X%QJ"*WNH1S_,
M"LK1?'WC3Q%I%I8> -"A&D:=#':_VA>87S610#L#,!CCT)Z9QG%2?':.ZU[X
M(^']4G4FX0VMS<<=-\)#9]/F<5Z3\)EM5^&OAL6840_88R=H_P"6F/WGX[]V
M: .'\%_&?6;?Q;'X6\<:4FE:E.0MO<1#:C$_=!^8@[CP&4XSQCO7LE> ?M4*
M@N?";VZC^T_-E$>T?,0#'@>OWCQ]37OXS@9ZT <_\0KU].\!^(KF,[9(]/G9
M3Z-Y9Q^M?/OPB\>:QI?A./P]X.T4:KKL\TEU<S3<0P*<*N3D#.%'4@=.I.*^
MAO'6FOK'@K7K*)2TMQ8S1HH&26*''ZXKRO\ 916U_P"$1UAD"_;3?8E..?+\
MM=GX9W_K0!7F^+GCSX=ZA:_\)QH<,FE3MM^U68&X'V*L5R!GY2 3CK7N5C>P
M:E9P7=K*LUM.BRQR+T92,@C\*X/X^I;-\*-;-R%.T1F,G&0_F*!CW_IFI?@/
MY_\ PJ?P_P#: 0_ER;<_W?-?;_X[B@#O:*** .T^#7_)3-"_ZZ/_ .BVKZZK
MY%^#7_)3-"_ZZ/\ ^BVKZZH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH ^ /@W_RF2^.W_8F6W_HG1J^_Z_*#QYIOQEU7_@JI\9HO@?JV
MCZ-XL7P_9/=3ZVBM"UE]DTL.H#1N-WF&$].@//K]C_LMZ#^T_I/B_5I/CGXC
M\,ZSX>:QVV,.B1HLBW/F)\S;88_EV;QU/)'% 'TQ1110 4444 %%%% !1110
M 4444 %%%% !1110!\0?MU0ZU9_&#P'K>D:3<ZF^FVR7($5N\B;TN"X5BH[X
M%4_^&XOBU_T3BU_\ ;O_ .*K[KHH _+WQ[\6?B!\0/BUX:\?WG@N6VU+0EMU
M@M8+&X\F3R9GE7=G)Y+D'!' %>K_ /#<7Q:_Z)Q:_P#@#=__ !5?==% '@7[
M,?QX\8?&2^\00^*/#,.@1V$<+P-'!-'YI<N&!\PG.-HZ>M>^T44 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110!\X?MQ?"?5OB1\-+'4-"@FO-3T
M&Y:Z-I""7EA9<2% .2RD(0!S@-CG%>,^*?VM/#?Q&TGX37&KO/IFMZ!XCL[W
M68V@=T\N,$23(5!R">=OWAG&#C-?>M>0?&+]G_3/B5KOA+4K?2]$BFT[6H;_
M %.2ZLU,E[;+G?"Q"'?NXX;@XYH ^?&UB[_;&_:.\,ZGH>FW%MX%\)RI++J%
MU$0)=L@D8'L&D*HH7.0H+'T'2_M\?''4/".FV'@/1IWM+C5[<W6H7,9P_P!F
M+%%C4CLY5]WLN.C&OK/3=+LM%LTM-/L[>QM8_N06T2QHOT50 *KZCX:TC6)Q
M/?Z597LP78)+BW21@O7&2.G)_.@#XB^!G[47P9^!OA./3=,\/^)Y]3F56O\
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M^VA_V.:_^EVJU]_U\ ?\$X?^3IOVT/\ L<U_]+M5H ^_Z*** "BBB@ HHHH
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M "BBB@#)\7?\BIK7_7E-_P"BVKXGK[8\7?\ (J:U_P!>4W_HMJ^)Z "BBB@
MJ#4+^WTNQN+R[E6"VMXVEED;HJ@9)/X5/7(_%O3;O6/AOK]I8HTET]L2J(,L
MP4AF4#N2 1CWH \<\9?&+Q7XW\,ZW<Z!I']G^&K8A)=29RL_WEQM8,,$Y&0
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH *R?%W_(J:U_UY3?^BVK6K)\7?\ (J:U_P!>4W_HMJ /B>BBB@ HHHH
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M_P"2F:%_UT?_ -%M7UU7R+\&O^2F:%_UT?\ ]%M7UU0 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110!\ ?!O_E,E\=O^Q,MO_1.C5]_U\ ?
M!O\ Y3)?';_L3+;_ -$Z-7W_ $ %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %? '_  3A_P"3IOVT/^QS7_TN
MU6OO^O@#_@G#_P G3?MH?]CFO_I=JM 'W_1110 4444 %%%% !1110 4444
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MO%VJ6UUX]\2C5;>W.5LK(;4)_P"^5 ![X7)'<5[-##';PI%$BQQ1J%1%& H
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MWC+P7JVCQN(Y;J'$;-TW@AES[;E%?-=]\0+[P]\,-3^'WB#2;FTU",*MK,5
M&T3!R&SU'!PRY!X^M '4F\\3? WQ1H2S:O<Z[X:U0 >3.2S1@8W  D[2H8$8
MP&]*^@-:U)='T>^OW^Y:P23M]%4M_2L3P3X\T#Q=8Q1Z3JD-W-%$OF0C*R+P
M!DJP!QGOC%97QTU;^R?A9KKAL/-&MLH]=[A2/^^2U 'DG@BZ^+GQ T9M4TWQ
M%$EL)6A_TC8A) !) $9XY_0UV?AGPS\6K7Q!I\NK^(+6XTQ)U:YB5UR\>?F
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M#[397 "RQ;V7< 01RI!'('0U>HH 9#"EO#'%&-L<:A57.< # I]%% !1110
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M **** "BBB@ HHHH **** "BBB@ KX _X)P_\G3?MH?]CFO_ *7:K7W_ %\
M?\$X?^3IOVT/^QS7_P!+M5H ^_Z*** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH R?%W_(J:U_UY3?^BVKXGK[8\7?\BIK7_7E-_Z+:OB>@ HH
MHH **** (;RSM]0MWM[J".Y@?[T4R!U;!SR#P>:F P, 8%%% !1110 4444
M%%%% !1110 4444 =I\&O^2F:%_UT?\ ]%M7UU7R+\&O^2F:%_UT?_T6U?75
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M %%%% !1110!VGP:_P"2F:%_UT?_ -%M7UU7R+\&O^2F:%_UT?\ ]%M7UU0
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 5D^+O^14UK_KRF_]%M6M63XN
M_P"14UK_ *\IO_1;4 ?$]%%% !1110 5D^*O#-IXPT"[T>_,@M+H*',+!6X8
M,,$@]P*UJ* &0Q+!"D:_=10HSZ 8I]%% !1110 4444 %%%% !1110 5VGP:
M_P"2F:%_UT?_ -%M7%UVGP:_Y*9H7_71_P#T6U 'UU1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110!D^+O^14UK_KRF_P#1;5\3U]L>+O\ D5-:_P"O
M*;_T6U?$] !1110 4444 %%%% !1110 4444 %%%% !1110 4444 =I\&O\
MDIFA?]='_P#1;5]=5\B_!K_DIFA?]='_ /1;5]=4 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %9/B[_D5-:_Z\IO_1;5K5D^+O\ D5-:_P"O*;_T6U '
MQ/1110 4444 %%%% !1110 4444 %%%% !1110 4444 %=I\&O\ DIFA?]='
M_P#1;5Q==I\&O^2F:%_UT?\ ]%M0!]=4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 9/B[_D5-:_Z\IO\ T6U?$]?;'B[_ )%36O\ KRF_]%M7Q/0
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% ':?!K_ )*9H7_71_\
MT6U?75?(OP:_Y*9H7_71_P#T6U?75 !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% 'P!\&_^4R7QV_[$RV_]$Z-7W_7Y0>//CQJO[//_!53
MXS>(](\ ZQ\1KFZ\/V6GMI>B!S-$C6FER&8[8W.T&(+TZR#GU]P\/?\ !2WQ
MIKFOZ9ITO[,?CRQCO+J*W:ZF6?9"'<*7;_11P,Y/(Z4 ?=]%%% !7Q/\ ;K3
MY/VU?B6WB4Q)KYN+M-+^U'G FV@1Y_B\D+C'.W=CC-?;%>&_'3]DSPU\:-37
M78KRX\-^*$55_M2S4,)=OW#)'D;BN!A@RG  R0!@ Y/X-?#_ $[XH_#GXU^&
M=351!?>-]7C28QAS!)MAV2J#_$K8(^F.]>P?!GX5Q_!7X?P^&+34[G6H;>66
M:*2Y54(WG<4 ' &[)Y[L:^)_AU-\;/A'H_C37?"%_'X@\.Z+XAO+;6+:=!*\
M\T(3S;AD;]YM92I+(^[@D\#-?:'P%^,UA\<_ $'B&TMS97*2-;7MD6W>1,H!
M(#8&5(96!]&]0: /*OV;?V==;\-^-_%7C3XDV-K?>)KVX#V4[3+<K&&RTCK_
M '6R54'@@*0.#70_MH>"_#VO? WQ!JVJVMNNHZ7&DUE?% )8Y#(JA W7#YVE
M>G(/4"O;=:UJP\.:3=:GJEW#8:?:QF6>YN'"I&HZDDU\5>-/%7B+]N#QS%X3
M\)I-I7PXTJ<2WNJS(1YS#@.1ZXSLCZ\EFQ_" >^?L?:SJ6N_L[^$KC5&DEG2
M.:".65LL\4<SI'^2J%'LHKV:LGPGX7T_P5X:TS0=*A\C3M/MTMX$ZG:HQDGN
M3U)[DDUK4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7P!_P3A_
MY.F_;0_['-?_ $NU6OO^O@#_ ()P_P#)TW[:'_8YK_Z7:K0!]_T444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110!D^+O\ D5-:_P"O*;_T6U?$
M]?;'B[_D5-:_Z\IO_1;5\3T %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110!VGP:_Y*9H7_71_P#T6U?75?(OP:_Y*9H7_71__1;5]=4 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %9/B[_D5-:_Z\IO_ $6U:U9/B[_D5-:_
MZ\IO_1;4 ?$]%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5VGP:_
MY*9H7_71_P#T6U<77:?!K_DIFA?]='_]%M0!]=4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 9/B[_ )%36O\ KRF_]%M7Q/7VQXN_Y%36O^O*;_T6
MU?$] !1110 4444 %%%% !1110 4444 %%%% !1110 4444 =I\&O^2F:%_U
MT?\ ]%M7UU7R+\&O^2F:%_UT?_T6U?75 !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !63XN_Y%36O^O*;_P!%M6M63XN_Y%36O^O*;_T6U 'Q/1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %=I\&O^2F:%_UT?\ ]%M7%UVG
MP:_Y*9H7_71__1;4 ?75%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5\
M?\$X?^3IOVT/^QS7_P!+M5K[_KX _P""</\ R=-^VA_V.:_^EVJT ??]%%%
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MIFA?]='_ /1;5]=5\B_!K_DIFA?]='_]%M7UU0 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 5D^+O^14UK_KRF_\ 1;5K5D^+O^14UK_KRF_]%M0!\3T4
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !7:?!K_DIFA?]='_ /1;
M5Q==I\&O^2F:%_UT?_T6U 'UU1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M_+LWCJ>2.*\8^#?_ "F2^.W_ &)EM_Z)T:OO^@ HHHH **** "BBB@ HHHH
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M **** "BBB@ HHHH **** ,GQ=_R*FM?]>4W_HMJ^)Z^V/%W_(J:U_UY3?\
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MK>(-'\8^)O$D^HV/V![?6YXY(T7S$?<H5!\V4 ^A- 'TQ1110 4444 %%%%
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M %%%% !1110 4444 %%%% !1110 4444 %9/B[_D5-:_Z\IO_1;5K5D^+O\
MD5-:_P"O*;_T6U 'Q/1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M_P $X?\ DZ;]M#_L<U_]+M5K[_KX _X)P_\ )TW[:'_8YK_Z7:K0!]_T444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110!D^+O^14UK_KRF_P#1
M;5\3U]L>+O\ D5-:_P"O*;_T6U?$] !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 =I\&O\ DIFA?]='_P#1;5]=5\B_!K_DIFA?]='_ /1;5]=4
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %9/B[_D5-:_Z\IO_1;5K5D^
M+O\ D5-:_P"O*;_T6U 'Q/1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %=I\&O\ DIFA?]='_P#1;5Q==I\&O^2F:%_UT?\ ]%M0!]=4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 9/B[_D5-:_Z\IO\ T6U?$]?;'B[_
M )%36O\ KRF_]%M7Q/0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% ':?!K_ )*9H7_71_\ T6U?75?(OP:_Y*9H7_71_P#T6U?75 !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !63XN_Y%36O^O*;_T6U:U9/B[_ )%36O\
MKRF_]%M0!\3T444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7:?!K_
M )*9H7_71_\ T6U<77:?!K_DIFA?]='_ /1;4 ?75%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M HHHH **** ,GQ=_R*FM?]>4W_HMJ^)Z^V/%W_(J:U_UY3?^BVKXGH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@#M/@U_R4S0O^NC_ /HMJ^NJ
M^1?@U_R4S0O^NC_^BVKZZH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
MR?%W_(J:U_UY3?\ HMJUJR?%W_(J:U_UY3?^BVH ^)Z*** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ KM/@U_R4S0O^NC_ /HMJXNNT^#7_)3-"_ZZ
M/_Z+:@#ZZHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH R?%W_(J:U_
MUY3?^BVKXGK[8\7?\BIK7_7E-_Z+:OB>@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** .T^#7_)3-"_ZZ/\ ^BVKZZKY%^#7_)3-"_ZZ/_Z+:OKJ
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M#B"QL?MB7^MB01SMYB)Y2[H4^;#%NIX4\5XQ\&_^4R7QV_[$RV_]$Z-7W_0
M4444 %%%?+GQ6_:$\<^)?BU-\,?A'9VLFK6:DZAJUX@98&&-^ WRA4W*"Q#$
ML< =,@'U'17YV^ _%_QM^$.B^-?%&F2Z?K_A_3_$]Y%X@MS$C!KQ?+$T_"HX
M1MR8*' QDJ!U^XOA+\3-.^+W@'2_%&F(T,-VI$EO(<M!*IVNA]<$'![C![T
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M9  XZXKY2^-7[+_@75/CUX#\-:78-X:M/$-KJ,MVVF-@"2*+?&51LJHSP54
M$>G6G? 77O%7P#_:$_X4UKNL-KGAZ\B9M-FD)Q#^[,J,@))4,%9"F<;N1ZD
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M7_OD?_$4?8/%'_02M?\ OD?_ !% '345S/V#Q1_T$K7_ +Y'_P 11]@\4?\
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MK_WR/_B*/L'BC_H)6O\ WR/_ (B@#IJ*YG[!XH_Z"5K_ -\C_P"(H^P>*/\
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MC_H)6O\ WR/_ (B@#IJ*YG[!XH_Z"5K_ -\C_P"(H^P>*/\ H)6O_?(_^(H
MZ:BN9^P>*/\ H)6O_?(_^(H^P>*/^@E:_P#?(_\ B* .FHKF?L'BC_H)6O\
MWR/_ (BC[!XH_P"@E:_]\C_XB@#IJR?%W_(J:U_UY3?^BVK/^P>*/^@E:_\
M?(_^(J&\T7Q'?6DUM/?VKP3(T<BXQE2,$9">AH ^/:*^C/\ AGZP_P"?:U_\
M"9J/^&?K#_GVM?\ P)FH ^<Z*^C/^&?K#_GVM?\ P)FH_P"&?K#_ )]K7_P)
MFH ^<Z*^C/\ AGZP_P"?:U_\"9J/^&?K#_GVM?\ P)FH ^<Z*^C/^&?K#_GV
MM?\ P)FH_P"&?K#_ )]K7_P)FH ^<Z*^C/\ AGZP_P"?:U_\"9J/^&?K#_GV
MM?\ P)FH ^<Z*^C/^&?K#_GVM?\ P)FH_P"&?K#_ )]K7_P)FH ^<Z*^C/\
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MU%<S]@\4?]!*U_[Y'_Q%'V#Q1_T$K7_OD?\ Q% '345S/V#Q1_T$K7_OD?\
MQ%4+&Y\17UY=6L=_")+<X<LBX/)Z?)[4 =K17,_8/%'_ $$K7_OD?_$4?8/%
M'_02M?\ OD?_ !% '345S/V#Q1_T$K7_ +Y'_P 11]@\4?\ 02M?^^1_\10!
MTU%<S]@\4?\ 02M?^^1_\11]@\4?]!*U_P"^1_\ $4 =-17,_8/%'_02M?\
MOD?_ !%'V#Q1_P!!*U_[Y'_Q% '345S/V#Q1_P!!*U_[Y'_Q%'V#Q1_T$K7_
M +Y'_P 10!TU%<S]@\4?]!*U_P"^1_\ $4?8/%'_ $$K7_OD?_$4 =-17,_8
M/%'_ $$K7_OD?_$4?8/%'_02M?\ OD?_ !% '345S/V#Q1_T$K7_ +Y'_P 1
M1]@\4?\ 02M?^^1_\10!TU%<S]@\4?\ 02M?^^1_\11]@\4?]!*U_P"^1_\
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M'V#Q1_T$K7_OD?\ Q% '345S/V#Q1_T$K7_OD?\ Q%'V#Q1_T$K7_OD?_$4
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M6B:?KM]JZ":TOK()"!A7MYPDBF"U4;(U!"L2<YW9/A[X0_M]V^OZ9+J_QO\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M %%%% !1110 4444 %%%% !7-^'HG3Q!K3,C*K/P2.#R:Z2B@ HHHH ****
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M** "BBB@ HHHH **** "BBH;R\@TZSGN[J9+>V@C:66:1@JHBC+,2>@ !.:
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M;O=!J.N0MB)8\XD"/T$8SAI>^<+G() ,?]C,VS_M(?%9O#FQ?"7[_P E8O\
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MD $U\D^&_"OBS]MSQ]:^*O%%O+H?PQTR5A96&XC[2 >54\;BV,/)T&-J\C@
M^C?V6Q?#]GWP-_:))N/[/4KG_GEN;RO_ "'LKU.HK6UAL;6&WMXEA@A01QQQ
MC"HH&  .P J6@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MU6?M,>S9CC&?,V]MN:Z#X\?M':K\1=<D^%GPA1]5U>\+07VL6K?NXDZ.L;]
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MDA9H(EB66+)0911M5D9"IV@#!7 ZU]&T %%%% !1110 4444 %%%% !1110
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M7PY^S_\ #'^SK63[/I.EP27E[?3#YI"J[I9GQWPO3L  .E &9^T-\:K3X)>
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M,>I2:I\ ? L\K,[KID<.6ZXCS&/T45Z?0 4444 %%%% !1110 4444 %%%%
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MM/L]#OF9KG3X;=5AF+*%8LH&#D*H^@% 'YZVOQ<\*_'#XOS^)_B]K%Q9>&K
M_P#$MT"WAEE5E+<1DH.!@ NW#,< 8'3ZML?VV/@QIMG!:6FKS6MK @CB@ATN
M9$C4# 55"8  ["N]_P"&<_A?_P!"%H'_ ( Q_P"%'_#.?PO_ .A"T#_P!C_P
MH Z?P'XZT?XE>%+'Q'H-P]UI-[YGDRO&T9;9(T;?*P!'S(P_"M^LWP[X<TOP
MEH]OI.BV%OI>FV^[RK6UC"1IN8LV%'3+,3]2:TJ "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH *YWXA>-K'X<>"=9\3:B&:TTVW:=HT^](>
MBH/=F(4?6NBK.\0>'=,\6:/<:5K-A;ZGIMQM\VUND#QOM8,,@]<, ?PH _./
MP+\4/!7Q.^*%_P".OC7K4L_D.!IV@Q6LLMN%!)53M4@1K_=ZN<EN^[ZNC_;A
M^#L,:1QZY<QQH JJNF3@ #H -E=S_P ,Y_"__H0M _\  &/_  H_X9S^%_\
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M8C&,&1<,0.W/% 'Q=^UC>?#OXE>*/"^D?"ZSLM2\8W5V4GN=#AV1NK !0S*
MKMGG<,[0IR17K'_!0#2[S_A0WAYI&:ZDL]7MQ<S*">MO,I<^Q8@?5A7O_@GX
M0^"_AP[2>&O#6G:1.R[&N(809BOH9#EB..F:Z/5M'L=?TVXT[4[.#4+"X3RY
MK:YC$D<BGLRG@B@#SGX"_&7PC\3O"UA8^'M4^V7^FZ=;"]M6@DC: E-N"64
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 5S^@^ ?#_ (8U_6M:TK38['4M
M9=9-0FA9@+AUSAF7.W/)Y R<GUKH** "BBB@ HHHH **** "N>\'_#_P_P"
M8[]-!TR/3_[0N6N[MU9G>>5NKLS$L3^/<^IKH:* "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH ***YOXD>-;7X<^ ]=\2W>TPZ;:/.$8X\QP,(GU9BJ_C0!TE%?"_P#
M_:W\?ZI\4O"VF>.[N&30/$<;1VCBTBA^=I'BC=2H!(\V)H\'U)["ONB@ HHH
MH **** "BBB@ HHHH **\J_:?\>ZS\,_@KKOB+0+A+75;5[<12R1+(!OGC1O
ME8$'Y6-6OV;_ !MJWQ%^"OAKQ%KLZW.JWR3&>5(UC#;9Y$'RJ !\JB@#TNBB
MB@ HHHH **** "BBB@ HKY^^!'B[XM:Y\5/%EEXXT^ZM?#%NLQTR6;3E@1R)
MP$PX4;ODR>OO7T#0 4444 %%%?+/[6_Q.^*?P4U?3/$/AW4H)_!]TR12VTUE
M&_V><<[&?;NV2 $@YR#N&1\M 'U-17)_"WXD:7\6/ NE^)]);%O>1YDA8Y:"
M4</&WNIR/<8/0BNGNKJ&QM9KFXE2"WA1I))9#A44#)8GL !0!+17Q]X!_:"^
M(?Q^^/5WI?@R^CTGP#8R"2XN'LHY'^SJ<;MSJ</*0=J]@<X.TU]@T %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 5\A?\%!?'D_]A^&_A[IFZ74-:N%NIX(_O-&
MK;8DQ_M2'(]XJ^O*_-FZ^-7ACQ)^UY/XZ\4W,S>&M)N6_L];>$REQ""L! '0
M%_WOU^M 'IG[77P//@OX%^ -4TSY;[P?'#875Q#P2KA?WN?:< C_ *ZFOJ+X
M)?$:+XK?"WP_XE0KY]W;A;I%_@N$^248[#<I(]B*\.\?_MC?![X@>"=;\.7M
MWJ@M]3M)+8L=/8["R_*XYZJV&'N*\_\ ^"=GQ-^RZGKW@.[F'EW(_M.P!/\
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M>YCBGSL9E[-@@X^AK\[_ -JSX[Q?'+4/#6J6/AF^T*SLDGC@O;P@M=@M&<#
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MAGX/^'AH_AG3Q9V[,'FF=B\UP^,;Y'/4^W '8"@#L**** /+/VI/^3?/'/\
MV#F_]"6O.O\ @GS_ ,D'N/\ L,W'_HN*O>?'W@NQ^(G@[5O#6I2W$%CJ4)@F
MDM65954D'*EE(!X[@UB_!WX/Z-\$?"3^'M#N;Z[LFN7NC)J$B/)N8*",HBC'
MRCMZT =S7P1\5E'[/G[9UIXQUBT\[PMK4AN"^S>"DD7E39&.6C<[]HYQM]:^
M]ZY+XE?"SPU\7/#S:-XGTY;ZU#;XI 2DL#_WXW'*G]#T((XH OZ7)X:UO1HM
M7T\:7>:7+'YR7D*QM$4QG=N'&,5X!IO[3MEXH_:$MO 7@[PMINO:4)5276HW
MVA-HW32J0A!5>@/&YAP<$&L:3_@G3X6$\J0>+]=AT^1@3;,(F8@= 6"@$^^V
MO<?@]\!/"'P/TZ:#PY92&\N%5;G4;M_,N)\= 3@!1_LJ /;- 'S%_P %&-:U
M'^VO!6BRW,MOX?FCEN75,[7F#JI8C^(HI&/3>?6OI[X<_"/X<>%/#NGS>&M!
MT>2T\A7CU3R(YI9UQD.TQ!9L]>N!VQ6E\5/A'X:^,GAO^Q?$MFUQ K^9!/"^
MR:WDP1O1NQP>A!![@UX%;?\ !/;PY WV<^-?$1TEFR]E&T:[N#WV[<\GG;W-
M 'BG[>OQ4T7Q]X]T72-#O(M0@T&"5)[FW8-$9I&7<BL.#M$:Y([DCL:^R_VE
M)%F_9]\<R*<JVDRL#[$5S7B+]C'X:Z[X+L/#4%C=:+;6ES]J^V:=*GVJ9]A4
M^9)(C[@<YQC@@8P.*])USX<V/B+X:S>";Z]OI=/FT]=.DO/,3[4Z!0N\MLV[
MSC).W&>U 'C/[ 7_ "0%?^PK<_R2OI&N(^$'PDT?X*^$!X<T.YOKJQ%P]SYF
MH2(\FY\9&411C@=J[>@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M5AS1[GNE%>%_\-O_  4_Z'3_ ,I5[_\ &:/^&W_@I_T.G_E*O?\ XS1[.?\
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MM#\57OBOQ&+[6KS546/[=<*'8&-0%C3(PN3@*HQSP*POVC?^3UOA#_USLO\
MTKFH ^R:*Q-4\;^'=$NUM=1U_2["Z8X$-U>1QN?^ LP-;*NLBJRD,K#(8'((
M]: '45%=74-C \]Q-';PH,M)*P55^I/2LW2?&&@^()FATO6].U*9<AH[2[CE
M88ZY"DT :]%%9?\ PE6BFPGOO[7L/L5N<37/VE/+C/HS9P/QH U**IZ7K%AK
MEFMWIM[;ZA:L<+/:RK*A^C*2*N4 9FH>)M'TFX\B^U:QLY\;O+N+E(VP>AP3
MFJW_  G7AO\ Z&#2O_ V+_XJOB7]I;P78_$3]M#P[X:U*6X@L=2M;6":2U95
ME53YARI92 >.X->H?\.Z?AO_ -!OQ5_X%VW_ ,CT ?10\<^&R<#Q!I9/_7['
M_P#%5N5\MP_\$[?AQ#*DBZWXI)5@PS=VW;_MWKZ:U'5;+1X!/?WEO90EM@DN
M)5C4MUQDGKP?RH M45E:QXKT3P[%#+JNL:?ID<W^J>\NDB#]_E+$9_"K6F:M
M9:U9I=Z=>6]_:/\ <GM95D1OHRD@T 6Z*^8?V[/BAJG@OX=V%EX<U\Z9J%Y?
MBWO4LYE6X$)B=L9'S("0O(QGIG!KWWP+KEAK'AK3197]M?/#:0"403+(4)0?
M>P3C.#U]#0!T-%5=0U2STBV:XOKN"RMUZRW$BQH/Q)Q5;1O$^C^(E9M)U:QU
M15Y)L[E)@.W.TF@#3HJ"\OK?3;9[F[N(K6W3&^:9PB+DX&2>!R16??\ B_0=
M*M[:XO=;TZSM[K_42W%W&BR_[I)PWX4 :]%4(]?TR:^6QCU*TDO64,+=9U,A
M!7<#MSG&WGZ<U?H **I1ZWITVH/81W]J]^G+6JS*95[\KG(ZU->7UMIUNT]W
M<16L*]9)G"*/Q- $]%8.G>/_  QK%\ME8>(])O;QCA;>WOHI)#]%#9K>H I:
M;K6GZTKMI]_:WRQG#M;3+(%)Z [2<5=KXV_X)M_\BMXV_P"OVW_] >OLF@"G
MJ6L6&C1I)J%];6,;G:K7,JQACZ DCFL__A.O#?\ T,&E?^!L7_Q5?,'_  4>
M_P"2=^%/^PJW_HEJ?X;_ ."??P[UCP[I=_-K/B=9KJUBG=8[JW"AF0,0,P'C
M)H ^J]-UO3M85C87]K?!?O&VF63'UP35VOASXR?L4VWPG\'7WC/P!XFUJ#4M
M$C-Y)'=3()#&O+M')$J%2JY;H<X-?07[*7Q8O?C%\'['5M482ZQ9SOI][,%"
MB61 K!\#@$HZ$XXR3CB@#V&BJFI:O8Z-!Y^H7MO8P_\ /2YE6-?S)%4-&\;>
M'?$5PUOI.O:7J<ZC<8K.\CF8#UPK$T ;5%,FFCMH9)II%BBC4N\CD!54#)))
MZ"LRX\7:%9Z8-1GUK3X-/9M@NY+J-8BWIO)QG\: -:BO#?VKOBE-X/\ @?JN
MH^&?$%O9ZO-Y MIK6:-I6B>4(S1]>VX;ATYP016]^S7XFMM;^#?@^-]5BO\
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M'>7D<3'\&(H V:*@L[ZVU*W6>TN(KJ!NDD+AU/T(J>@ HHHH **** "BBB@
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M2!T.#@X(XK@?VC/^2#^/?^P-<_\ HLUQ'[#7_)N.@_\ 7Q=_^CWH ]]HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MC_&C]D#1M)\4V\U]::7<74D $SQD-&TNPY4@D 2$8Z<>U7?V]?BC9:!\,?\
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M1_B%X+U#P=X#T;5=0U+7(FL6FN( N(W^5A&BEF=F7( XQG//2O=?V5_A;?\
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M97MY<^#M$N)+73M'AF,4<D[8DE=BN" -Z\CDYQD!<'W/X3_\F)O_ -BUJ?\
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M\#_VVOB-\!O"\GA[1SIFLZ1YGF6]MK<,LPM<Y+"(I(A"L3DJ<C/( R<^C?\
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M[6U*"V6TCF^VW$.V)69PNV.11]YV.<9Y^E>DT4TW'5"WW/"_^&(/@I_T)?\
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*BBB@ HHHH __V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>20
<FILENAME>slm-20241231_g4.jpg
<TEXT>
begin 644 slm-20241231_g4.jpg
M_]C_X  02D9)1@ ! 0$!2@%*  #_VP!#  ," @," @,# P,$ P,$!0@%!00$
M!0H'!P8(# H,# L*"PL-#A(0#0X1#@L+$!80$1,4%145# \7&!84&!(4%13_
MVP!# 0,$! 4$!0D%!0D4#0L-%!04%!04%!04%!04%!04%!04%!04%!04%!04
M%!04%!04%!04%!04%!04%!04%!04%!3_P  1" >;#AD# 2(  A$! Q$!_\0
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MXO$.MV6D-=IK+R& 3SI$7"^2-Q7?G&1G'6OT\H **** "BBB@ HHHH ****
M"BBB@ HHKY$_;S_;JOOV,[OP5#9>$+?Q2/$*7CLT]^UMY'D&$#&(VW9\X^F-
MOO0!]=T5^2O_  _&US_HDFG_ /@\D_\ C%'_  _&US_HDFG_ /@\D_\ C% '
MZU45^2O_  _&US_HDFG_ /@\D_\ C%?I9\ _B=+\:/@SX/\ ',VGII4NO:='
M?-91RF582XSM#$#./7 H [ZBBB@ HHHH **** "BBB@ HHHH ***Y?XI>,G^
M'?PQ\7>*X[5;Z30M'O-46U9]@F,$+RA"V#@';C.#C- '445^6_PY_P""S>L^
M._B%X7\-2?"RQLTUG5+73FN%UIW,0FF6,N%\D9QNSC/:OT\UB^.EZ3>W@3S#
M;P/,$)QNVJ3C/X4 7**_)7_A^-KG_1)-/_\ !Y)_\8K]:J "BBB@ HHHH **
M** "BBB@ HHHH ***Q?&7C/1/AYX5U/Q)XDU.WT;0M-A-Q=WUTVU(D'<]R2<
M  9))  )(% &U17Y=_&+_@MA8:?J5S8_#+P)_:UM&^V/6/$-PT*2@'DK;1C=
M@]BTBGU4=*\HM?\ @MC\75O7:Y\%^"I;//RQ107B2 9[N;@@\?[(H _9NBOS
M[_9Q_P""P'@3XH:Y::!\0=%;X>:C<L(X=3^U?:=.=R< 2.55H<YQE@5'4LM?
MH&K!E!!R#R"* %HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH ***_'K_@KQ\5_$DW[2_A7P;X9UK4K#[#HD(>#
M3[N2'?=7$\AP0I&3L6'&?6@#]A:*_%7_ (=O_M??]#!_Y=DG^-?IE^Q'\+O&
MOP;_ &=]"\+?$&Y^U^*;6XNY+B7[8;O*O.[I^\/7Y2/ITH ]XHHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** /'_VQ/^34/C#_ -BEJG_I+)7\Z/@C18/$OC30-(NGDCMM0U"W
MM)6A(#A))%4E201G!.,@U_1=^V)_R:A\8?\ L4M4_P#262OYS_!NN)X9\7:'
MK$L331:??07;1H<%Q'(KD#W.* /V1_X<J?!#_H:?B!_X,;'_ .0Z/^'*GP0_
MZ&GX@?\ @QL?_D.N4_X?>>"/^B:>(/\ P-@_PH_X?>>"/^B:>(/_  -@_P *
M /5_A/\ \$G?A'\'?B1X=\;:-XB\:W.JZ'>)>VT-]?6CP.ZG@.%M58CZ,#[U
M]IU\@?LD_P#!1WPY^UI\3+SP9I/@_5-!NK;2Y=3-U>W,<B%4DBC*87G),H/X
M&OHWXQ_%+2/@G\+O$OCG72W]EZ'9O=21H0&E8<)$I/&YW*H,]V% &_XB\3:/
MX/TF;5->U:QT33(>9;W4;E+>%/\ >=R%'XFN5\*?'[X8>/-632O#7Q'\)>(M
M3D&4LM)URUNIF'J$CD+'\J_GM^/7[1'Q _:J^(CZQXFOKK49KBX\O3-#M2[6
M]F&.$AMXAW/RC.-SGDDFO:=+_P""57[1DOA.'Q)!X>L;6[V+<1:3)JD<6H#C
M</E^ZK#CY2X8'C&: /1_^"V'_)R7@W_L4H?_ $LNJ^BO^")?_) O'7_8S'_T
ME@K\L_C?\5/'_P 2M8TBQ^)%Q>7?B+PM9'0C)JD;+>A(YI'V7!;YFD5I&7+?
M-@#.2"3^IG_!$O\ Y(%XZ_[&8_\ I+!0!]^ZYXPT'PQ)%'K.MZ;I+S M&M]=
MQPEP.I 8C/X4_0_%>B>*%F.C:QI^KB' E-C=)-Y><XW;2<9P>OH:_*#_ (+@
M_P#(_?"S_L&7O_HV.NJ_X(:_\@KXR?\ 7;2?_0;R@#]2))$AC:21E1%!9F8X
M  ZDFN77XL>"&8 >,?#Y)X &J0?_ !=6OB%_R(/B;_L&7/\ Z*:OY@=)_P"0
MK9?]=D_]"% ']3U%%?B=_P %'/V_/$GQ4^(&N_#GP1K-QI'P^T>>2PNI+&0Q
MR:Q,A*2M(ZGF ,&54!VL!N;.5"@'ZUZY^TE\)/#.I2Z=K'Q2\%Z3J$)Q):WW
MB&TAE3ZHT@(_*NL\+^-O#OC>U>Z\.Z]I>OVT9 >;2[R.Y12<X!*,0.A_(U^
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M!.17\^/P1_9"^+?[1NBZCJWP[\)_\)#I^GW M;F;^TK2V\N4J&"XFE0G@@Y
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M^M ']!?A;QGX?\<::-0\-Z[IOB"P)Q]JTN\CN8L^FY"1^M;-?S4,?BQ^Q_\
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MOXJ^/_PO\"ZM)I?B3XD>$?#VIQ\O9:KKMK;3+]4>0,/RKG_CSXFTCQ=^RO\
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M@MP0:Z2">.ZACFAD66&10Z21L&5E(R"".H(K^9#XW?\ ):/'W_8P:A_Z4R4
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MH6P7,J2>9(ZCK@1"0$]MX'\0!XO_ ((HZ/J5G^S_ .,[^Y62/3;WQ&?LBNI
M9DMXA(ZGN"2JY'=".U 'Z'T444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M"UD-/T'2+<6]M#G<<9)9F/\ $S,69CW+$UU%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M >7?M2Z#J/BG]FOXI:-H]E/J6JW_ (9U"VM;.V0O+/*]NZHBJ.2Q)  ]Z_!+
M_ABGX]_]$A\8?^"F7_"OZ/J* /YP?^&*?CW_ -$A\8?^"F7_  H_X8I^/?\
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M+OV6M!U'PM^S7\+=&UBRGTW5;#PSI]M=6=RA26"5+=%=&4\A@001[5ZC110
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M8Z JJ^K+7[5_L]_ 7PS^S9\+=*\#^%HF^Q6F9;B[F_UMY<,!YD\G^TV!P.
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 (RAE((R#P0:^1_BY_P $
MM?@)\6M8N-5&AW_@[4;AB\TGA>Z6VC=CW\ET>)?^ (N<G-?7-% 'YV1_\$3/
MA4)%+^.?&+)GY@KV@)'L?).*^BO@!^P+\&?V<=4BUGPSX<DU#Q'""(];UN<W
M5S%D8)CX"1G&?F1%."1G'%?1-% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !7Q;_ ,%1OVJI?V?_ ()CPUH-R8/&7C)9;*VEC.&M
M+0 "XG!ZAB'"*?5RP/R5]I5_/=_P42^-5S\;_P!J[QA<B;SM*T*X;0-,C0DJ
M(K=V5F'KOE\U\_[0]* /L;_@BO\  ;R+'Q=\7=2M_GG/]@Z.SC^ %9+F0?4^
M4@(_NR"G_P#!9OXC>+/ GB;X61^&O%&M>'DN;/4&G72M0FM1*5>#:6$;#=C)
MQGU-?>G[+7PH'P/_ &>? 7@IHQ%=:7I<0O%'_/U)F6X/_?UY*_.G_@N-_P C
M5\)/^O+4O_1EO0!\ ?\ #0GQ3_Z*7XP_\'UU_P#'*?#^T7\5[>9)8OB=XRBE
M0AE=-?NPRD="").#7W/_ ,$0_P#DJGQ+_P"P+;_^CS7ZZ:EI%CK5N;?4+*WO
MX#G,5S$LB\C!X8$=": /P!^$/_!23X]_"75H9SXVO/&&G@CSM-\4NU\DJ^GF
M,?-4^ZN/?-?LY^R;^U=X5_:V^'/_  DGA]'T[4K1Q;ZKHMPX::RF(R.1]^-N
M2KX&[!X!# ?$7_!5']AGP?X9^&\GQ=^'V@VOANYTVXBCUS3=-B$5K/!*XC6=
M8E^5'61D!V@!@Y8\KD_)/_!-/XV7?P;_ &L/"<(G9='\43+X?U"$MA7\]@L+
M'ME9O+.?0L/XC0!_0!117S]^TQ^W)\+/V5]EGXJU2;4/$<L?FQ>']'19[PKV
M9P6"Q*>Q=AGG:&P: /H&BORTOO\ @N591W6VS^#4\]M_STG\2K&_7^Z+5AT_
MVJ^@OV=/^"IGPC^/&M6GA[4/MG@+Q)=,L5O;:T4:UN9&X$<=PIQNSP!($R2
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MG3C)CN6!D1\9P267/537[SWUA:ZI9RVE[;0W=K,NV2"= Z./0J>"/K7\]/\
MP4'\$^$OAY^UUX^T/P5;VUCH<$T$GV*RP(+:=[>-YHT X4"1F^4<*25 &W%
M'[Z_"[XE:%\8?A[H/C/PU<F[T/6;9;JVD9=K '(9&'9E8,K#L5(K\X/^"S?Q
M&\6>!/$WPLC\->*-:\/)<V>H-.NE:A-:B4J\&TL(V&[&3C/J:]Y_X)&V.IV?
M[&>C/?AQ;7&K7\UAO!'[CS-IQ[>:LOZUTO[:G[:GA/\ 9-U3PI:>)?!5QXL?
M6X;B6!X&A'D")HPP/F ]=XZ>E 'SK_P1<^(7BKQY_P +B_X2;Q+K'B+[+_8W
MV?\ M:_ENO)W?;MVSS&.W.U<XZ[1Z5W/_!8OQMXB\#_ [P5=^&]>U3P_=3>(
MQ%)/I=Y);.Z?9ICM+(P)&0#@^@KUO]B;]LCPK^UM_P )G_PC/@VX\)?\(_\
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M?V??"%QX_P#CI\/O#MLA:74M>LK<\9VJ9TWL?95W$^P- ']!?[67QVA_9O\
M@#XL\=%8I=0LK<0Z;;S<K->2L$A4@<E0S;F _A5J_GQ\,^'_ !E^TM\9K/2X
M)I==\9^+-3PUS=,29)I&+/+(0#A%&YF(&%53Q@5^NO\ P6@^U?\ #*>A>0<0
M?\)9:?:!ZI]EN\?ANV_I7PW_ ,$CULF_;/T,W1Q.NE:@;3_KKY)!_P#(9DH
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M'AD"27L^"<;L'8B@$L^#@8&"2 0#\Y_V9_\ @D!XLU/XB7O_  NNW;1_"=C
MLD"Z+J,,CZE,6(V!E+-&B@98E03N4*>I'KG[7W_!+WX,>"/@'XP\7^#EU#PM
MK7A_3I=2A\[4FGM[GRE+M$ZRDG+*"J[6!W%>O0_+6N?\%%/VI/VD/%7]@>!K
MBXTR:ZW&+1/!>E[YM@/WC*0\PP",L&5>Y JOXW_81_:C\9>"/$?C[XGWUQ'8
M:#I5WK,S>*O$#7ERT<$+2LL:*TI5RJ$ -M'3)% 'C?[$7BJ]\'_M<_"2]L97
MAEG\266G.4.-T5S*MO(I]BDK"OVP_P""AW_)EOQ5_P"P8O\ Z/BK\-OV3O\
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MX(Y_M2:KXB35O@QXBO9+V/3;,ZEX?FF;+10JX6:VR>2H,B.@[#S!T"@>N?\
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M^B7X"^+[GX@? [X>>)[Q_,O=9\/:?J%PV<DRRVT;OGWW,:_G$^*WC/4_B/\
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MQIT9)CAG"A@T9/)C=2&&>1RI)VY/HOQX$3? [XB";_4GPYJ._)Q\OV:3/Z4
M?@C^P+XUN/ ?[8GPJO[=MOVO68M*D7. R78-L0?7_6Y^H%?T45_,S^SJMP_[
M07PQ6TQ]J/BC2Q%GIO\ M<6W]<5_3-0 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M   !P *^7OVU/V#K#]LK5/"EY>>,;CPL=!AN(52"P6Y\[S6C)))D7&/+]^M
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 5\/?\ !5G]EUOC;\$1XTT2V,OBSP4D
MEV$C&6NK @&XCQW*!1*O^XX R]?<-(RAE((R#P0: /S-_P""+?QY76/!GBCX
M2:C/F[T>4ZSI2L>3:RL%G0#L$E*M[F<^E?IG5"ST'3-.F\ZTTZTM9<8\R&!4
M;'ID"K] !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "OC7_@J[\']9^+7[*=S-H-K)?7_AC5
M(==>UA4M));I%+%-M'?:LWF'OB,X]*^RJ* /R,^$_P"W1X#\2_\ !/+Q;\)/
M$6I+H/CG2O"UYI5A#<H1#J<?EOY/E.,J) NU2C$$D97.<#[Z_8SM],\2?L<_
M"JSN8K35;)O#=E#/;RJLT998URK*<C(('!Z$5X'^W=^P'\&K_P"$_P 0?B9I
MOA^3PQXITG2KK5 ^AS""WN9D0N/-@*LF"1R4"L<G)SS7P_'^R;\:/V=_@?X4
M_:$^&/C.X;2[K2K;6-0BTMWMKJP61 3YD1)2XA4MAB>QR4VY( /W0M[:&SA2
M&")((4&%CC4*H^@%?C_^Q_XAT+XA?\%%OC!\6?&>IVEEHGAI=5U:*_U214BM
ME^TI:V^YFX&V%RH]PN.:^^OV$?VI#^U=\"[7Q'?P):^)M-N&TS6885VQ-<*J
ML)8QGA71U;'9MPZ $_CG^R_\$+W]HW]J:7X=76IW6G:#?ZA<7FO>1(0TMM;R
M-(R]P6+84$Y 9@V#B@#]+_$W_!8_X":#K4MC9VOB[Q#;HVT:CIFF0K _/4">
M>.3'U05Z]\(O$7[/'[7VK6_Q+\-:1X>\4>*=*:'?>:AIJ#5-/D0EH=ZNNY2I
M!*N,C*_*QQQT.F_L6_ G2_":>'(OA/X3DTU8Q'NN-+BEN&P" S7# RE\$_.6
MW<]:_+SQMX;G_P"":O\ P4(\/'PE=S'P=K MYQ:3N7+:9<S&*:W=C]XQO$[(
M3D_)$3DYR ?5/_!:+QA/HW[-_AK0H&VKK7B&/S^?O10PROMQ_OF,_P# ?>OH
MK]A'PA;^"?V/OA-86T:QK<:#;ZFVWG+W0^TL3]3,:^3O^"WEK(_PK^&ER"WD
MQZU<1MZ;F@!'XX1OUK[9_97N$N_V8OA%-'@(_A#2" .W^AQ<?ATH P/VWO",
M'C;]D;XLZ;<1B58_#UU?HI_YZ6R?:8S]=\*U\Q_\$5?%UQJW[/GB[0)Y6E31
M_$#20!CGRXYH(SL'H-Z2-]7-?7_[4$R0?LT_%J21@B+X2U8ECT'^ARU\._\
M!$&U=?AK\3[@C]W)J]K&#CNL+$_^A"@#S/\ 8CQ\8_\ @JE\1_%E^JS2:6^M
MZG;9.?+43K9Q@>N(YP/PS7Z]U^0G_!*U3IO[>/Q>L+C/VE=*U5"SD;BR:G;!
MA]>_X5^O= 'Y!_M\?\6@_P""GGPS\9:?NMY=0_L75+IXSCS-MR]K(I_WH8 I
M]C7Z^5^0?_!6"/[?^W!\)+.(AIWTC34VCD@MJ5P!7Z^4 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** ,[Q%X=TSQ;H5_HNM6%OJFDW\+6]U9748>*:-AAD93P01VH
M\.^'=,\):%8:+HMA;Z7I-A"MO:V5K&$BAC485%4<  =JT:* "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MH79WCLYXXS-%+#DGRXIXN=G]YTZ'.0#]7J*** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M7CCY9K(H5N<#OM'ER'_9B:OJ;X0_!GP;\"/!MOX6\#Z%;Z%H\+;S'#EGFD(
M,DKL2TCD ?,Q)P .@ KLW59%964,K#!5AD$>E 'QG_P3Q_;.\%_%CX%>&?#&
MM>(;#2/'/ANRATJ[L-1N4A>Z2)=D4\.XCS R*N['*MNR,%2WB'_!5S]K;PQX
MP\"67P6\ ZM'XJU[5]0MY=3_ +&D%S$D:-NBMMR9#RO+Y9V+DC9R 6%>Q_%S
M_@D?\$OB9XCGUK3#K/@>XN)#)/::#-&+1F/4K%)&WE\]D(4=EKL_V<?^";WP
M?_9M\0P^(]+M-1\3>)H#NMM4\0S),UHV,$PQHB(I]&(9AV:@#O\ ]C?X,S_
M']FGP+X*OE5-5L[(W&H*,?+=3NTTJ9[[&D* ]P@K\R?A7X@C_P"":O\ P4$\
M2:3XL@FLO &MK-:Q7JQEE73YI1+:W"@#+^6R"-\<C$F 2 #^SU>8_'C]F[X?
M?M*>&$T3Q[H,>JQ0%FM+R-C%=6C'&6BE7E<X&1RK8&0<4 7-4_:&^&&C^#7\
M5W7Q \.+X=6(S#4(]3ADC=0N[";6)=L8PJ@DY  S7Y:_!&YO/V[?^"G$OQ*T
MNQGA\%^&[R'4_M#KCRK>U0)9AL]'FEC5]G4 R8^X:^A(?^"*?P>75/.D\7>-
M)+'>6^RBXM0VWLI?[/\ KC/TZU]E_!CX%^"/V??!\?AGP)H,&AZ6&\V786>:
MXD(P9)9&)9V]R>!@#  % '>T444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4V1BD;,%+D#.U>I]A3J*
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MK9;KP_J&F?\ "+>/]/M_M$^FF7?!=Q@[6DMV/S?*<;D897<,%AD@ ^MJ***
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M_P!A[P=X\_95\8?&WX@VTGBC7-3L-6N-(ANIW\JW\@2H;AP"#)*9HY/ODJ
M<9.1^B7[8WP,G_:,_9S\8>!K&2.'5[R!+C3I)6VI]IAD66-6/8,4V$]@Y-?E
MM^SW^VYJW[*WPG\;_ 'XJ^$=6M52VO[73Y$B"7.G2W$;YCEB<J'B,C[PZG(#
ML0'!& #H_"'[!_ASXU?\$U_#7Q$\+:'<CXK6<&H7>[3_ #)7U>.+4;E# T(S
MN?RDPFQ0Q957D&ON?_@G!JWQ.F_9SL]%^*NA:UHVN:'<M8V3ZY;-#/<6(1#"
M2& 8E,O'R,X1<UYO_P $N?VB?AHG[,?@#X<S>--)L_&]F]]')HEY/Y$[-+?W
M$L:QA\"4E)$.$+=?4''W?0 5^;'_  52_:NU%H)O@)\.VEO=>OK1[SQ/-9<O
M;621-,UOD="T:&20]HP <ASCZH_;7_:JTS]D_P"#=YX@<Q7/B?4-UGH.G2'/
MGW)7_6,.OEQ@AF_X"N06%?)G[-?[+&I^!_V3_C1\:/B*);_XF>-_"6L7:R7P
MS/9VDMI*^6STEF.';T78O!W"@"Q_P1#_ .26?$O_ +#-O_Z(-??WQ8^).E_!
M[X:>)?&VM;CIFA6$M]+'&0'EV+E8USQN9L*,]V%? /\ P1#_ .26?$O_ +#-
MO_Z(->F_\%@O%DWAW]CZ6PB8JNO:_8Z=+@XRJB6YQ^=LM 'R?^SE^SWXP_X*
M>?$K7_BM\7-?U&S\#V-VUM:V5D^W<W#?9;7<"L42*4WN 68D=6+,OJ7[6/\
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MQT^-'A[]GWX6Z[XY\3S^7IVF0[E@5@);J8\1P1@]7=L =AR3@ D?DS_PA_\
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !7GWQ^^#UG\?O@_XD\ :AJ$^E6>MPQPR7ELBO)&%E23(#<'E /Q
MKT&B@##\"^%8O O@GP]X;@G>Z@T?3K?3HYY  TBQ1+&&('0D+G\:W*** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M_P!\W7_QZ@#]E**_&O\ X?:?%/\ Z$7P?_WS=?\ QZC_ (?:?%/_ *$7P?\
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MJEA:F0X!CN76^M03WW*D:CU+"OUYH _(/_@K,K_\-L?"0Q ^=_8^GA2O7/\
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M&NEJGHVE6^A:/8Z;:+LM;.".WB7T1%"J/R JY0 4444 %%%% !1110 4444
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M&/Q N/C#\9M477/B-<&26VLFN/M1M)9 1)/-,<B28@D#:2J@DY8D;?OZB@#
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M_P#OFZ_^/4?\/M/BG_T(O@__ +YNO_CU '[*45^-?_#[3XI_]"+X/_[YNO\
MX]1_P^T^*?\ T(O@_P#[YNO_ (]0!^RE%?C7_P /M/BG_P!"+X/_ .^;K_X]
M1_P^T^*?_0B^#_\ OFZ_^/4 ?LI17XU_\/M/BG_T(O@__OFZ_P#CU'_#[3XI
M_P#0B^#_ /OFZ_\ CU '[*45^-?_  ^T^*?_ $(O@_\ [YNO_CU?0G[#'_!2
M7QQ^U-\<E\$>(/#'A_2=/.F7%]]HTT3^;NC*8'SR,,'<>U 'Z(4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !6)XXTVWUKP7K^GW:&2UN]/N
M()D!(+(T;*PR.1P36W6=XB_Y%_5/^O67_P! - 'Y=?\ #"OP9_Z%B?\ \&=U
M_P#'*/\ AA7X,_\ 0L3_ /@SNO\ XY7OU% '@/\ PPK\&?\ H6)__!G=?_'*
M/^&%?@S_ -"Q/_X,[K_XY7OU% '@/_#"OP9_Z%B?_P &=U_\<H_X85^#/_0L
M3_\ @SNO_CE>_44 > _\,*_!G_H6)_\ P9W7_P <H_X85^#/_0L3_P#@SNO_
M (Y7OU% '@/_  PK\&?^A8G_ /!G=?\ QRC_ (85^#/_ $+$_P#X,[K_ ..5
M[]10!X#_ ,,*_!G_ *%B?_P9W7_QRC_AA7X,_P#0L3_^#.Z_^.5[]10!X#_P
MPK\&?^A8G_\ !G=?_'*/^&%?@S_T+$__ (,[K_XY7OU% '@/_#"OP9_Z%B?_
M ,&=U_\ '*/^&%?@S_T+$_\ X,[K_P".5[]10!X#_P ,*_!G_H6)_P#P9W7_
M ,<H_P"&%?@S_P!"Q/\ ^#.Z_P#CE>_44 > _P##"OP9_P"A8G_\&=U_\<H_
MX85^#/\ T+$__@SNO_CE>_44 > _\,*_!G_H6)__  9W7_QRC_AA7X,_]"Q/
M_P"#.Z_^.5[]10!X#_PPK\&?^A8G_P#!G=?_ !RC_AA7X,_]"Q/_ .#.Z_\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MBO/_ /AH3X6?]%+\'_\ @^M?_CE'_#0GPL_Z*7X/_P#!]:__ !R@#T"BO/\
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M_HI?@_\ \'UK_P#'* /0**\__P"&A/A9_P!%+\'_ /@^M?\ XY1_PT)\+/\
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M]%2T_P#\ KO_ .,U_/910!_0G_P\A_9M_P"BI:?_ . 5W_\ &:/^'D/[-O\
MT5+3_P#P"N__ (S7\]E% ']"?_#R']FW_HJ6G_\ @%=__&:/^'D/[-O_ $5+
M3_\ P"N__C-?SV44 ?T)_P##R']FW_HJ6G_^ 5W_ /&:/^'D/[-O_14M/_\
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M_P",T?\ #MCX?_\ 0R>)/^_MO_\ &:^N** /D?\ X=L?#_\ Z&3Q)_W]M_\
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ML7UY_9EQ;>5?/$8]KE,GY8U.?E'>NUKT;X!_\C\/^O63^E 'TE1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %07W_'C<?]<V_D:GJ"^_X\;C
M_KFW\C0!Y71110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 >EZ!_P @6S_ZYBM"L_0/^0+9_P#7,5H4 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MWQ[_ .BO>,/_  ;2_P"-'_#:WQ[_ .BO>,/_  ;2_P"->*T4 >U?\-K?'O\
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M>,/_  ;2_P"->*T4 >U?\-K?'O\ Z*]XP_\ !M+_ (T?\-K?'O\ Z*]XP_\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M\>H_X=CWG_10X/\ P4-_\>H ^(:*^WO^'8]Y_P!%#@_\%#?_ !ZC_AV/>?\
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5!??\>-Q_US;^1J>H
M+[_CQN/^N;?R- 'E=%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110!Z7H'_ "!;/_KF*T*S] _Y MG_ -<Q
M6A0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M_P"#.Z_^.5[]10!X#_PPK\&?^A8G_P#!G=?_ !RC_AA7X,_]"Q/_ .#.Z_\
MCE>_44 > _\ #"OP9_Z%B?\ \&=U_P#'*/\ AA7X,_\ 0L3_ /@SNO\ XY7O
MU% '@/\ PPK\&?\ H6)__!G=?_'*/^&%?@S_ -"Q/_X,[K_XY7OU% '@/_#"
MOP9_Z%B?_P &=U_\<H_X85^#/_0L3_\ @SNO_CE>_44 > _\,*_!G_H6)_\
MP9W7_P <H_X85^#/_0L3_P#@SNO_ (Y7OU% '@/_  PK\&?^A8G_ /!G=?\
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M% !1110 4444 %%%% !1110 4444 %%%% !7%>.O^/ZV_P"N?]:[6N*\=?\
M'];?]<_ZT <S1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 5O>"_\ D-?]LV_I6#6]X+_Y#7_;-OZ4 =[1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %07W_'C<?\ 7-OY&IZ@
MOO\ CQN/^N;?R- 'E=%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110!Z7H'_(%L_P#KF*T*S] _Y MG_P!<
MQ6A0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 5E^*O\ D6-8_P"O.;_T UJ5E^*O^18UC_KSF_\ 0#0!\=T4
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% 'VC8_P#'E;_]<U_D*GJ"Q_X\K?\ ZYK_ "%3T %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110!\__ +17_(SZ9_UY_P#L[5Y/
M7U#X[4-J%OD _NO3W-<SY:_W1^5 '@E%>]^6O]T?E1Y:_P!T?E0!X)17O?EK
M_='Y4>6O]T?E0!X)17O?EK_='Y4>6O\ ='Y4 >"45[WY:_W1^5'EK_='Y4 >
M"45[WY:_W1^5'EK_ '1^5 '@E%>]^6O]T?E1Y:_W1^5 '@E%>]^6O]T?E1Y:
M_P!T?E0!X)17O?EK_='Y4>6O]T?E0!X)17O?EK_='Y4>6O\ ='Y4 >"45[WY
M:_W1^5'EK_='Y4 >"45[WY:_W1^5'EK_ '1^5 '@E%>]^6O]T?E1Y:_W1^5
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MOEK_ '1^5'EK_='Y4ZB@!OEK_='Y4>6O]T?E3J* &^6O]T?E1Y:_W1^5.HH
M;Y:_W1^5>G:#QHUECC]TO\J\SKTS0O\ D#V?_7)?Y4 7Z*** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ KBO'7_'];?]<_ZUVM<5XZ_P"/ZV_Z
MY_UH YFBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ K>\%_P#(:_[9M_2L&M[P7_R&O^V;?TH [VBBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH *@OO^/&X_P"N;?R-3U!??\>-
MQ_US;^1H \KHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** /2] _Y MG_US%:%9^@?\@6S_P"N8K0H ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH *K:E_R#[K_KDW\C5FJVI?\ (/NO^N3?R- 'E?EK_='Y4>6O]T?E3J*
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M=?\ (0M_^N7]37-4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% '5> _]=>?[J_S-=C7'> _]=>?[J_S-=C0
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% %;4O\ D'W7_7)O
MY&O+:]2U+_D'W7_7)OY&O+: "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ KTS0O^0/9_]<E_E7F=>F:%_P @
M>S_ZY+_*@"_1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %<5
MXZ_X_K;_ *Y_UKM:XKQU_P ?UM_US_K0!S-%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !6]X+_P"0U_VS;^E8
M-;W@O_D-?]LV_I0!WM%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 5!??\>-Q_P!<V_D:GJ"^_P"/&X_ZYM_(T >5T444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% 'I>@?\
M@6S_ .N8K0K/T#_D"V?_ %S%:% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !5;4O^0?=?]<F_D:LU6U+_D'W
M7_7)OY&@#RVBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH ]8A_P!3'_NC^5/ID/\ J8_]T?RI] !1110
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M% !5;4O^0?=?]<F_D:LU6U+_ )!]U_UR;^1H \MHHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** /6(?]3'
M_NC^5/ID/^IC_P!T?RI] !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 <3XZ_P"0A;_]<OZFN:KI?'7_ "$+?_KE_4US5 !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!U7@/
M_77G^ZO\S78UQW@/_77G^ZO\S78T %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110!6U+_ )!]U_UR;^1KRVO4M2_Y!]U_UR;^1KRV@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH *],T+_D#V?_7)?Y5YG7IFA?\ ('L_^N2_RH OT444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !7%>.O^/ZV_P"N?]:[6N*\=?\ '];?]<_Z
MT <S1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 5O>"_\ D-?]LV_I6#6]X+_Y#7_;-OZ4 =[1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %07W_'C<?\ 7-OY&IZ@OO\ CQN/
M^N;?R- 'E=%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110!Z7H'_(%L_P#KF*T*S] _Y MG_P!<Q6A0 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %?!O\ P68US4]*_91TJUL7>.SU+Q/:VU]M_BB$%Q*J
MGV\R*,_517WE7G'[0WP,T+]H[X1Z]X"\0%X;34HP8;R)09+2="&BF4=RK 9&
M1N&5/!- 'Q_\,?"7ASPO_P $@==G\.Q09U7P=J%_J%S$ 6GNV602[SW*%?+]
M@@%=-:_LNV/[6/\ P3B^%7A)Y[73-;AT+2[O2]7N(3)]CD54\S@$$AXMZD9Q
MDJ?X17Q+\1/@K^U7^Q9\-?'7@R!)/$OP@U>TN([ZYTZ,7ME'"ZE7GV$>;:,%
M.6. F>I? ->J_LC?\%:?#7PU\!^#_AWX]\'7NG:;HMC!IJ>(-+G^T9C10JR2
M6Y56 P 249CSPO8@'Z ?LC_ 34_V9_@CI7P_U+Q0OBS^S9YY+>\2R-J(HY7,
MABVF1]P#M(0V1PP&!BO7M0U"VTFPN;Z]N(K2SMHFFGN)G"1Q1J"69F/   ))
M/3%4O"OBG2/&_AO3=?T'4(-5T;4H%N;2]MFW1S1L,A@?Z=1T-?GS_P %'/C]
MK_Q4\<:/^RU\*'^V>)/$$T<?B"X@<@0QD;Q;,P^ZNP>;*>R #G+"@#Y@_:P^
M('BG]OCQ!\1O'6C/+8_![X76#?V>\J,%NI7D5 V#_P M9C\_/W(XU!PQ^;[%
M_P"",/\ R:AK?_8VWG_I+:5N_'[X!Z!^S5_P31\=^!O#ZB2.STE9+R^*!9+V
MZ:>(RSO[L1@#G:JJO116%_P1A_Y-0UO_ +&V\_\ 26TH ],_X*8?&J]^"G[)
MWB*YTJX:TUCQ!-'H%I<(^UX_.#F5E[[O)CEP1R"0>U>??\$H_P!F?P_\._@#
MI'Q&O-*AF\:>*UDN?MTZ!I+:S\PK#%&3]U6""0D8)+@'.U<<#_P6\OFC^%'P
MVLQG9+K=Q*?3*08'_H9K[3_91L$TS]E_X16T:JH3PCI.=O0L;.(L?Q))_&@#
MYN_X*H?LN>&_B1\!-=^(MEI4-MXW\*Q+>"^MHPCW5H'43Q3$??"H6D4G)!0@
M8#-GL?\ @E_\;+SXT?LH:)_:MP]WK/AFYD\/W,\IR\JQ*CP,<\G]S+$I)ZE&
M->R_M2VL=[^S+\6X)EWQOX2U8$?]N<O-?$/_  1!O)'^&?Q.M2?W4>KVLJC/
M\30L#^B+^5 'E7Q-L?\ ANO_ (*D#P/K,DMQX'\*W,VGS6L<I"BVLPS7"Y4C
M!EN 4+#Y@'7GY17ZP-\.?"LG@P>$6\.:6WA<6_V0:.;1#:B';MV>7C;C''2O
MRF_X)9J-;_;X^+FJS+F3^S-6F7<#E7DU.WY_(L/QK]?* /QV\%::O[ __!42
MS\(Z)+<0>!/%$]O81VLLA8&UO0!""2>?)N< ,<G;&<GYC7[$U^07_!5QO[+_
M &YOA+J-N-ERNDZ9)N7CYDU*X*GZ_P" K]?: "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "JVI?\ (/NO^N3?R-6:
MK:E_R#[K_KDW\C0!Y;1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 >L0_ZF/_ '1_*GTR'_4Q_P"Z/Y4^
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "N*\=?\?UM_US_K7:UQ7CK_ (_K;_KG_6@#F:*** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "M[P7_ ,AK
M_MFW]*P:WO!?_(:_[9M_2@#O:*** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ J"^_X\;C_ *YM_(U/4%]_QXW'_7-OY&@#RNBBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M]+T#_D"V?_7,5H5GZ!_R!;/_ *YBM"@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@#JO ?\ KKS_ '5_F:[&N.\!_P"NO/\ =7^9KL: "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH K:E_R#[K_ *Y-_(UY;7J6I?\ (/NO
M^N3?R->6T %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !7IFA?\@>S_ZY+_*O,Z],T+_D#V?_ %R7^5 %^BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MWL\SB.&*!W=ST50I)/Y5<K"\>?\ (C^(O^P=<?\ HIJ /#/^%T>"/^ADLO\
MOH_X4?\ "Z/!'_0R67_?1_PKX<HH ^X_^%T>"/\ H9++_OH_X4?\+H\$?]#)
M9?\ ?1_PKX<HH ^X_P#A='@C_H9++_OH_P"%'_"Z/!'_ $,EE_WT?\*^'**
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MK$/^IC_W1_*GTR'_ %,?^Z/Y4^@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** .)\=?\A"W_ .N7]37-5TOCK_D(6_\ UR_J:YJ@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH ZKP'_KKS_=7^9KL:X[P'_KKS_=7^9KL: "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH K:E_R#[K_KDW\C7EM>I:E_R#[K_KDW\C7EM !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 5Z9H7_('L_\ KDO\J\SKTS0O^0/9_P#7)?Y4 7Z*** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ KBO'7_'];?]<_ZUVM<5XZ_X_K;_
M *Y_UH YFBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ K>\%_\AK_MFW]*P:WO!?\ R&O^V;?TH [VBBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH *PO'G_ "(_B+_L'7'_ **:
MMVL+QY_R(_B+_L'7'_HIJ /RIHHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** /TS^ '_)%O!O_ &#HOY5Z
M!7G_ , /^2+>#?\ L'1?RKT"@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ JMJ7_(/NO^N3?R-6:K:E_R#[K_
M *Y-_(T >6T444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% 'K$/^IC_ -T?RI],A_U,?^Z/Y4^@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** .)\=?\A"W_P"N7]37-5TO
MCK_D(6__ %R_J:YJ@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M3-"_Y ]G_P!<E_E0!?HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M (:<\$?\][W_ ,!3_C1_PTYX(_Y[WO\ X"G_ !KX_HH ^P/^&G/!'_/>]_\
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M** "BBB@ HHHH _3/X ?\D6\&_\ 8.B_E7H%>?\ P _Y(MX-_P"P=%_*O0*
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "JVI?\@^Z_ZY-_(U9JMJ7_(/NO\ KDW\C0!Y;1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 >
ML0_ZF/\ W1_*GTR'_4Q_[H_E3Z "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH XGQU_R$+?_ *Y?U-<U72^.O^0A;_\ 7+^IKFJ "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@#JO ?\ KKS_ '5_F:[&N.\!_P"NO/\ =7^9KL: "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M% !1110 5[U^Q7_R6D?]@ZX_FE>"U[U^Q7_R6D?]@ZX_FE 'WS1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %87CS_D1_$7_ &#KC_T4U;M8
M7CS_ )$?Q%_V#KC_ -%-0!^5-%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110!^F?P _P"2+>#?^P=%_*O0
M*\_^ '_)%O!O_8.B_E7H% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !5;4O^0?=?]<F_D:LU6U+_ )!]U_UR
M;^1H \MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** /6(?]3'_NC^5/ID/^IC_P!T?RI] !1110 4444
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M- 'Z#T5^?'_"2:O_ -!2]_\  A_\:/\ A)-7_P"@I>_^!#_XT ?H/17Y\?\
M"2:O_P!!2]_\"'_QH_X235_^@I>_^!#_ .- 'Z#T5^?'_"2:O_T%+W_P(?\
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M ,+H\;_]#)>_]]#_  H_X71XW_Z&2]_[Z'^% 'W)17PW_P +H\;_ /0R7O\
MWT/\*/\ A='C?_H9+W_OH?X4 ?<E%?#?_"Z/&_\ T,E[_P!]#_"C_A='C?\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 ?5W[!'_ "%_&7_7"U_]"DK[%KXZ_8(_Y"_C+_KA:_\ H4E?8M !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 <Y\2/^2=^*?^P5=?\
MHEJ_*^OU0^)'_)._%/\ V"KK_P!$M7Y7T %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7Z<_ K_DC?@S_L%6
M_P#Z *_,:OTY^!7_ "1OP9_V"K?_ - % '=4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !7Q3^WA_P CQX;_ .P<W_HUJ^UJ^*?V\/\ D>/#
M?_8.;_T:U 'S%1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 5[U^Q7_P EI'_8.N/YI7@M>]?L5_\ ):1_V#KC
M^:4 ??-%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5A>//\
MD1_$7_8.N/\ T4U;M87CS_D1_$7_ &#KC_T4U 'Y4T444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% 'Z9_
M#_DBW@W_ +!T7\J] KS_ . '_)%O!O\ V#HOY5Z!0 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5SGQ(_Y)WX
MI_[!5U_Z):NCKG/B1_R3OQ3_ -@JZ_\ 1+4 ?E?1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?K/H_\
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MBB@ HHHH **** "BBB@ HHHH **** "O>OV*_P#DM(_[!UQ_-*\%KWK]BO\
MY+2/^P=<?S2@#[YHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "L+QY_R(_B+_L'7'_HIJW:PO'G_ "(_B+_L'7'_ **:@#\J:*** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@#],_@!_P D6\&_]@Z+^5>@5Y_\ /\ DBW@W_L'1?RKT"@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ KG/B
M1_R3OQ3_ -@JZ_\ 1+5T=<Y\2/\ DG?BG_L%77_HEJ /ROHHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %?%/[>'_(\>&_\
ML'-_Z-:OM:OBG]O#_D>/#?\ V#F_]&M0!\Q4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %>]?L5_\EI'_ &#K
MC^:5X+7O7[%?_):1_P!@ZX_FE 'WS1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %87CS_D1_$7_8.N/_ $4U;M87CS_D1_$7_8.N/_134 ?E
M31110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 ?IG\ /^2+>#?^P=%_*O0*\_\ @!_R1;P;_P!@Z+^5>@4
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M_P"2TC_L'7'\TKP6O>OV*_\ DM(_[!UQ_-* /OFBBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH *PO'G_(C^(O^P=<?^BFK=K"\>?\B/XB_P"P
M=<?^BFH _*FBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH _3/X ?\D6\&_P#8.B_E7H%>?_ #_DBW@W_L
M'1?RKT"@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH *1F"J23@#DDTM?&7_!6/XN:O\ "S]E
M&XM=%GDM+OQ1JD.A2W$3;62W>*664 _[2P^6?9S0!%^TA_P5)^$WPGTGQ%I7
MA'7H?%WCBUMY$LH[.U>YTY;K'R"697163.-WEN2.1UJ3]F?_ (*@?"GXQ:7X
M>T?Q3KL/A+QY=6\:7=O>VSVMA)=$ ,L$S.ZA2WW1(X)X'6OG;X4?L;_#_P &
M_P#!-?Q9\2=3T*QU[QUK?A.\U:/5+Z(3&P4QN84MPV1&RK@EP-VXGG  $?Q(
M_8*T?XQ?L$_##QK\//"<2?%"VT/39I(]+C6)M8CD5$E$HR%:10WF>8?FPC D
MY& #]6ZS/$GB;2/!NAW>LZ]JEGHND6:>9<7U_.L,,*^K.Q  ^IKQO]B2S^)F
MC_LY>&='^+6F7&G>,-+$EDS7=U#<2W%LK9@D9HG89$95#N.[,9)ZY/Y__M/3
M^+OV[OV^K'X*"]O=#\ :#=R0C$3(OEPQ[KN[P1AW9E:.-B"H!3^\Q(!]Y1?\
M%!?V=IM873%^*^ABY9P@=O-6#)]9BGE@>Y;%>\Z/K.G^(=+M=2TJ^MM3TZZC
M$MO>6<RRPS(>C(ZDA@?4&ODZ_P#^"4O[.5WX/;18?"-[9WGE;%UR'5[DWBR8
M \WYG,1;C.TQ[.3A17RA_P $YO'7BG]G']LKQ3^SAJVJ2:MX>N+J^M[9"2(X
M[JW1YEN(U).P20QON4=24S]V@#];*\O^+'[3WPJ^!MY%9>.?'6D>'[^5/-6Q
MFE,EQLXPQB0,X!SP2,'!QT-8G[9'Q[_X9M_9X\5>-;?RVUB&);32HY%W*UY*
M=D1([A<F0CN$([U\$?L!_L$:%^TGX5OOC5\;)+[Q9+XCO;B2RL)KJ6'[1ME*
MR74TD;*[%I%D4("  I)W;AM /T/^%/[4GPF^.%ZUEX'\>Z/KVHJ"WV".8Q71
M4=6$,@5RH[D+@5ZG7Y.?M]_\$^M#_9W\(P?&;X*S7WA9O#MU#-?:='=RRF#=
M*JQW-O([%U97905)(P<C&T[OO#]BO]H!OVEOV=?#'C*[,8UPHUAJ\<0 5;R$
M[7; ^Z'&V0#L) * /9M9UK3_  YI5UJ>K7]KI>FVL9EN+R\F6&&%!U9W8@*!
MZDUX+_P\)_9U_M1;#_A:VB^>S;0^V;R<^\NS8![EL5\/?MS^-O$_[9/[9OA_
M]FWPMJK6'AC3;M(KYU4M&UTL32W-PZY&_P F+<JH2/F5\'Y@1]/-_P $E_V>
M6\#C0QX?U)=4$&S_ (2(:K/]L,FW'F["WDYS\VWR]N>U 'UWH.OZ9XIT>UU;
M1=2M-7TJ[3S+>^L)UG@F7^\CJ2K#W!J_7Y'_ +$OC#Q3^Q/^VIK'[.OBK5O[
M0\+ZQ=?9[:0Y6$73Q"6UN8U).PS(5C903\S*"3LK]<* "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "N<^)'_)._%/
M_8*NO_1+5T=<Y\2/^2=^*?\ L%77_HEJ /ROHHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** /UGT?_ )!%
MC_UP3_T$5<JGH_\ R"+'_K@G_H(JY0 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% 'Q'^W=_R43P_P#]@K_VM)7S17TO^W=_R43P_P#]@K_V
MM)7S10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 ?5W[!'_(7\9?]<+7_P!"DK[%KXZ_8(_Y"_C+_KA:_P#H
M4E?8M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 <Y\2/\
MDG?BG_L%77_HEJ_*^OU0^)'_ "3OQ3_V"KK_ -$M7Y7T %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7Z<_
MK_DC?@S_ +!5O_Z *_,:OTY^!7_)&_!G_8*M_P#T 4 =U1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %?%/[>'_(\>&_^P<W_HUJ^UJ^*?V\
M/^1X\-_]@YO_ $:U 'S%1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 5[U^Q7_ ,EI'_8.N/YI7@M>]?L5_P#)
M:1_V#KC^:4 ??-%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MAXJ_87\-_%[P=)=Z-XRL_"<.O:G9M,TUKJ2I!YDY"L2T<FT,PVG:2-NWYL@
M_8&D*AB"0"1T..E?$W_!)WX_:U\:/V>;O1_$EXVH:OX0O5TQ+N5BTLMHT8>
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MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *YSXD?\ )._%/_8*NO\
MT2U='7.?$C_DG?BG_L%77_HEJ /ROHHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** /UGT?_D$6/_7!/_01
M5RJ>C_\ ((L?^N"?^@BKE !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 ?$?[=W_ "43P_\ ]@K_ -K25\T5]+_MW?\ )1/#_P#V"O\ VM)7
MS10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 ?5W[!'_ "%_&7_7"U_]"DK[%KXZ_8(_Y"_C+_KA:_\ H4E?
M8M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 <Y\2/^2=^*
M?^P5=?\ HEJ_*^OU0^)'_)._%/\ V"KK_P!$M7Y7T %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7Z<_ K_D
MC?@S_L%6_P#Z *_,:OTY^!7_ "1OP9_V"K?_ - % '=4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !7Q3^WA_P CQX;_ .P<W_HUJ^UJ^*?V
M\/\ D>/#?_8.;_T:U 'S%1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 5[U^Q7_P EI'_8.N/YI7@M>]?L5_\
M):1_V#KC^:4 ??-%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 5A>//\ D1_$7_8.N/\ T4U;M87CS_D1_$7_ &#KC_T4U 'Y4T444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% 'Z9_ #_DBW@W_ +!T7\J] KS_ . '_)%O!O\ V#HOY5Z!0 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M?AKX8_#_ ,<^(/ \U]X\GTZWO[D>())7%K<L@+#[*V(U*L>-Z%E('.: )?\
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !7.?$C_ ))WXI_[!5U_Z):NCKG/B1_R3OQ3_P!@JZ_]$M0!^5]%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110!^L^C_\ ((L?^N"?^@BKE4]'_P"018_]<$_]!%7* "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH ^(_V[O\ DHGA_P#[!7_M:2OF
MBOI?]N[_ )*)X?\ ^P5_[6DKYHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** /J[]@C_ )"_C+_KA:_^A25]
MBU\=?L$?\A?QE_UPM?\ T*2OL6@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** .<^)'_ "3OQ3_V"KK_ -$M7Y7U^J'Q(_Y)WXI_[!5U_P"B
M6K\KZ "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ K].?@5_R1OP9_P!@JW_] %?F-7Z<_ K_ )(WX,_[!5O_
M .@"@#NJ*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ KXI_;P
M_P"1X\-_]@YO_1K5]K5\4_MX?\CQX;_[!S?^C6H ^8J*** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "O>OV*_\
MDM(_[!UQ_-*\%KWK]BO_ )+2/^P=<?S2@#[YHHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "L+QY_R(_B+_L'7'_HIJW:PO'G_(C^(O\ L'7'
M_HIJ /RIHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** /TS^ '_)%O!O\ V#HOY5Z!7G_P _Y(MX-_[!T7
M\J] H **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH *YSXD?\D[\4_\ 8*NO_1+5T=<Y\2/^2=^*?^P5=?\ HEJ
M/ROHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** /UGT?\ Y!%C_P!<$_\ 015RJ>C_ /((L?\ K@G_ *"*
MN4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!\1_MW?\E$\
M/_\ 8*_]K25\T5]+_MW?\E$\/_\ 8*_]K25\T4 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% 'U=^P1_R%_&7
M_7"U_P#0I*^Q:^.OV"/^0OXR_P"N%K_Z%)7V+0 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% '.?$C_DG?BG_L%77_HEJ_*^OU0^)'_)._%/
M_8*NO_1+5^5] !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 5^G/P*_Y(WX,_[!5O_P"@"OS&K].?@5_R1OP9
M_P!@JW_] % '=4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M7Q3^WA_R/'AO_L'-_P"C6K[6KXI_;P_Y'CPW_P!@YO\ T:U 'S%1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M5[U^Q7_R6D?]@ZX_FE>"U[U^Q7_R6D?]@ZX_FE 'WS1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %87CS_D1_$7_ &#KC_T4U;M87CS_ )$?
MQ%_V#KC_ -%-0!^5-%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110!^F?P _P"2+>#?^P=%_*O0*\_^ '_)
M%O!O_8.B_E7H% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !7.?$C_DG?BG_L%77_ *):NCKG/B1_R3OQ3_V"
MKK_T2U 'Y7T444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% 'ZSZ/_R"+'_K@G_H(JY5/1_^018_]<$_]!%7
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ^(_V[O^2B>'
M_P#L%?\ M:2OFBOI?]N[_DHGA_\ [!7_ +6DKYHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** /J[]@C_D+^
M,O\ KA:_^A25]BU\=?L$?\A?QE_UPM?_ $*2OL6@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** .<^)'_)._%/\ V"KK_P!$M7Y7U^J'Q(_Y
M)WXI_P"P5=?^B6K\KZ "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ K].?@5_R1OP9_V"K?\ ] %?F-7Z<_ K
M_DC?@S_L%6__ * * .ZHHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "OBG]O#_D>/#?\ V#F_]&M7VM7Q3^WA_P CQX;_ .P<W_HUJ /F*BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ KWK]BO_DM(_P"P=<?S2O!:]Z_8K_Y+2/\ L'7'\TH ^^:*** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ K"\>?\ (C^(O^P=<?\ HIJW
M:PO'G_(C^(O^P=<?^BFH _*FBBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH _3/X ?\D6\&_\ 8.B_E7H%
M>?\ P _Y(MX-_P"P=%_*O0* "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "N<^)'_)._%/_8*NO_1+5T=<Y\2/
M^2=^*?\ L%77_HEJ /ROHHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** /UGT?_ )!%C_UP3_T$5<JGH_\
MR"+'_K@G_H(JY0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M 'Q'^W=_R43P_P#]@K_VM)7S17TO^W=_R43P_P#]@K_VM)7S10 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M?5W[!'_(7\9?]<+7_P!"DK[%KXZ_8(_Y"_C+_KA:_P#H4E?8M !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 <Y\2/\ DG?BG_L%77_HEJ_*
M^OU0^)'_ "3OQ3_V"KK_ -$M7Y7T %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !7Z<_ K_DC?@S_ +!5O_Z
M*_,:OTY^!7_)&_!G_8*M_P#T 4 =U1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %?%/[>'_(\>&_^P<W_HUJ^UJ^*?V\/^1X\-_]@YO_ $:U
M 'S%1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 5[U^Q7_ ,EI'_8.N/YI7@M>]?L5_P#):1_V#KC^:4 ??-%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5A>//^1'\1?]@ZX_
M]%-6[6%X\_Y$?Q%_V#KC_P!%-0!^5-%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!^F?P _Y(MX-_[!T7
M\J] KS_X ?\ )%O!O_8.B_E7H% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !7.?$C_DG?BG_ +!5U_Z):NCK
MG/B1_P D[\4_]@JZ_P#1+4 ?E?1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 ?K/H_P#R"+'_ *X)_P"@
MBKE4]'_Y!%C_ -<$_P#015R@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** /B/\ ;N_Y*)X?_P"P5_[6DKYHKZ7_ &[O^2B>'_\ L%?^UI*^
M:* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@#ZN_8(_Y"_C+_KA:_P#H4E?8M?'7[!'_ "%_&7_7"U_]"DK[
M%H **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#G/B1_R3OQ3
M_P!@JZ_]$M7Y7U^J'Q(_Y)WXI_[!5U_Z):OROH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "OTY^!7_ "1O
MP9_V"K?_ - %?F-7Z<_ K_DC?@S_ +!5O_Z * .ZHHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "OBG]O#_D>/#?_ &#F_P#1K5]K5\4_MX?\
MCQX;_P"P<W_HUJ /F*BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ KWK]BO_DM(_[!UQ_-*\%KWK]BO_DM(_[!
MUQ_-* /OFBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *PO'G
M_(C^(O\ L'7'_HIJW:PO'G_(C^(O^P=<?^BFH _*FBBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH _3/X
M?\D6\&_]@Z+^5>@5Y_\  #_DBW@W_L'1?RKT"@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110!\1_MW?\ )1/#_P#V"O\ VM)7S17TO^W=_P E$\/_ /8*
M_P#:TE?-% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110!]7?L$?\ (7\9?]<+7_T*2OL6OCK]@C_D+^,O^N%K
M_P"A25]BT %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!SGQ
M(_Y)WXI_[!5U_P"B6K\KZ_5#XD?\D[\4_P#8*NO_ $2U?E?0 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %?
MIS\"O^2-^#/^P5;_ /H K\QJ_3GX%?\ )&_!G_8*M_\ T 4 =U1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %?%/[>'_ "/'AO\ [!S?^C6K
M[6KXI_;P_P"1X\-_]@YO_1K4 ?,5%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !7O7[%?_ "6D?]@ZX_FE>"U[
MU^Q7_P EI'_8.N/YI0!]\T444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !6%X\_P"1'\1?]@ZX_P#135NUA>//^1'\1?\ 8.N/_134 ?E31110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 ?IG\ /^2+>#?\ L'1?RKT"O/\ X ?\D6\&_P#8.B_E7H% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !7.?$C_DG?BG_L%77_HEJZ.N<^)'_)._%/\ V"KK_P!$M0!^5]%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110!^L^C_P#((L?^N"?^@BKE4]'_ .018_\ 7!/_ $$5<H **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@#XC_;N_Y*)X?_[!7_M:2OFB
MOI?]N[_DHGA__L%?^UI*^:* "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@#ZN_8(_Y"_C+_KA:_\ H4E?8M?'
M7[!'_(7\9?\ 7"U_]"DK[%H **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@#G/B1_R3OQ3_V"KK_T2U?E?7ZH?$C_ ))WXI_[!5U_Z):OROH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "OTY^!7_)&_!G_8*M__ $ 5^8U?IS\"O^2-^#/^P5;_ /H H [J
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *^*?V\/^1X\-_]
M@YO_ $:U?:U?%/[>'_(\>&_^P<W_ *-:@#YBHHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *]Z_8K_ .2TC_L'
M7'\TKP6O>OV*_P#DM(_[!UQ_-* /OFBBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M?\SZ*_X2[1/^@O9?]_U_QH_X2[1/^@O9?]_U_P :^=:*/]6,-_/+\/\ (/\
M6+$?R1_'_,^BO^$NT3_H+V7_ '_7_&C_ (2[1/\ H+V7_?\ 7_&OG6BC_5C#
M?SR_#_(/]8L1_)'\?\SZ*_X2[1/^@O9?]_U_QH_X2[1/^@O9?]_U_P :^=:*
M/]6,-_/+\/\ (/\ 6+$?R1_'_,^BO^$NT3_H+V7_ '_7_&C_ (2[1/\ H+V7
M_?\ 7_&OG6BC_5C#?SR_#_(/]8L1_)'\?\SZ*_X2[1/^@O9?]_U_QH_X2[1/
M^@O9?]_U_P :^=:*/]6,-_/+\/\ (/\ 6+$?R1_'_,^BO^$NT3_H+V7_ '_7
M_&C_ (2[1/\ H+V7_?\ 7_&OG6BC_5C#?SR_#_(/]8L1_)'\?\SZ*_X2[1/^
M@O9?]_U_QH_X2[1/^@O9?]_U_P :^=:*/]6,-_/+\/\ (/\ 6+$?R1_'_,^B
MO^$NT3_H+V7_ '_7_&C_ (2[1/\ H+V7_?\ 7_&OG6BC_5C#?SR_#_(/]8L1
M_)'\?\SZ*_X2[1/^@O9?]_U_QH_X2[1/^@O9?]_U_P :^=:*/]6,-_/+\/\
M(/\ 6+$?R1_'_,_<_P#9WN(KSX'^"IH)%EB?38BKH<@C'4&O1*\C_9)_Y-I^
M''_8&A_E7KE?GE:"IU9071M'W5&;J4XS?5)A1116)L%%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5SGQ(_Y)WXI_P"P
M5=?^B6KHZYSXD?\ )._%/_8*NO\ T2U 'Y7T444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% 'ZSZ/\ \@BQ
M_P"N"?\ H(JY5/1_^018_P#7!/\ T$5<H **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@#XC_ &[O^2B>'_\ L%?^UI*^:*^E_P!N[_DHGA__
M +!7_M:2OFB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH ^KOV"/^0OXR_ZX6O\ Z%)7V+7QU^P1_P A?QE_
MUPM?_0I*^Q: "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M?\K#VD.Z'44WS4_OK^='FI_?7\Z/9S_E8>TAW0ZOTY^!7_)&_!G_ &"K?_T
M5^8GFI_?7\Z_3KX$L&^#7@L@Y']E6_3_ '!2E&4=U8I2C+9G=T445!04444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %?G#_P %/_%6J>'_ (F>#X["
M[-NDFD,S*$5LGSFYY!K]'J_,S_@JQ_R5'P7_ -@9_P#T>U?0Y#"-3'1C-75G
MOZ'AYU.5/!RE!V=U^9\B_P#"R/$G_03;_OU'_P#$T?\ "R/$G_03;_OU'_\
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M ,31_P +(\2?]!-O^_4?_P 37,T4?4\-_P ^X_<@^M5_^?C^]G3?\+(\2?\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M@ HHHH *YSXD?\D[\4_]@JZ_]$M71USGQ(_Y)WXI_P"P5=?^B6H _*^BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH _6?1_\ D$6/_7!/_015RJ>C_P#((L?^N"?^@BKE !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 ?!/_  4(\8:5X=^)GAR"_N##
M(^D!U C9LCSI!V!]*^6/^%H>&_\ G_;_ +\2?_$U[%_P54_Y+%X2_P"P"/\
MTHEKXGK]!R_(L)BL+"M4O=KO_P  ^'QV<XG#XF=*%K+R/=O^%H>&_P#G_;_O
MQ)_\31_PM#PW_P _[?\ ?B3_ .)KPFBO0_U;P7][[_\ @'#_ &_C/+[O^">[
M?\+0\-_\_P"W_?B3_P")H_X6AX;_ .?]O^_$G_Q->$T4?ZMX+^]]_P#P _M_
M&>7W?\$]V_X6AX;_ .?]O^_$G_Q-'_"T/#?_ #_M_P!^)/\ XFO":*/]6\%_
M>^__ ( ?V_C/+[O^">[?\+0\-_\ /^W_ 'XD_P#B:/\ A:'AO_G_ &_[\2?_
M !->$T4?ZMX+^]]__ #^W\9Y?=_P3W;_ (6AX;_Y_P!O^_$G_P 31_PM#PW_
M ,_[?]^)/_B:\)HH_P!6\%_>^_\ X ?V_C/+[O\ @GNW_"T/#?\ S_M_WXD_
M^)H_X6AX;_Y_V_[\2?\ Q->$T4?ZMX+^]]__   _M_&>7W?\$]V_X6AX;_Y_
MV_[\2?\ Q-'_  M#PW_S_M_WXD_^)KPFBC_5O!?WOO\ ^ ']OXSR^[_@GNW_
M  M#PW_S_M_WXD_^)H_X6AX;_P"?]O\ OQ)_\37A-%'^K>"_O??_ , /[?QG
ME]W_  3W;_A:'AO_ )_V_P"_$G_Q-'_"T/#?_/\ M_WXD_\ B:\)HH_U;P7]
M[[_^ ']OXSR^[_@GNW_"T/#?_/\ M_WXD_\ B:/^%H>&_P#G_;_OQ)_\37A-
M%'^K>"_O??\ \ /[?QGE]W_!/=O^%H>&_P#G_;_OQ)_\31_PM#PW_P _[?\
M?B3_ .)KPFBC_5O!?WOO_P" ']OXSR^[_@GNW_"T/#?_ #_M_P!^)/\ XFC_
M (6AX;_Y_P!O^_$G_P 37A-%'^K>"_O??_P _M_&>7W?\$]V_P"%H>&_^?\
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MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "OW
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M **** "BBB@ HHHH **** "BBB@ KE?BM_R2[QC_ -@:\_\ 1#UU5<K\5O\
MDEWC'_L#7G_HAZUI?Q(^J,ZGP2]#\%J***_=C\8"BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#]M_V2?^3:?A
MQ_V!H?Y5ZY7D?[)/_)M/PX_[ T/\J]<K\.Q?^\5/\3_,_8L+_ I^B_(****Y
M3I"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MT '2O ?AY^P_\.?AE\?-6^+^D2ZU)XMU1[N6X%Y>++;F2Y?=*X4IN!R3CYL
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M['U:U5PHHHI#"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#\Q/^"J
MG_)8O"7_ & 1_P"E$M?$]?;'_!53_DL7A+_L C_THEKXGK]BR?\ W"EZ?J?E
M6:_[[4]?T"BBBO9/)"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** /OG_@D[_P C!\1_^O6Q_P#0YJ_1JOSE_P""3O\
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MM_R2[QC_ -@:\_\ 1#UK2_B1]49U/@EZ'X+4445^['XP%%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% '[;_LD_
M\FT_#C_L#0_RKURO(_V2?^3:?AQ_V!H?Y5ZY7X=B_P#>*G^)_F?L6%_@4_1?
MD%%%%<ITA1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MZ)<:[=P1S:OX 31]/LY&&^[N;BT,2(JYRP&_<V.BJQ[4 >M_L&_M2/\ M6_
MFU\1:C"EMXGTRX;2]9CB7;&]PB*PF0=E='5L=FW < $_1C,%4DG '))K\[O^
M"*O@G4=$^!?C+Q'>0S06>N:TJ67F A94@B"M(GJ-[LF?6,CM7 ?\%#OVQ?%/
MQ4^*'_#./PAN&1KBY&F:WJ%O+Y;W5P3A[029 CAC&?-;/.&4X56W &W^V]_P
M47O_ !9K$GP7_9\:XUWQ%J<ITZ\\0:2#(Q9OE,%D5^\QY#3#A1G8<_.OM_\
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M=Z[*N-^-'_)'?'7_ & ;_P#])WK:C_%CZHRJ_P .7HS\'J***_=3\9"BBB@
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M HHHH **** "BBB@ HHHH **** "N-^-'_)'?'7_ & ;_P#])WKLJXWXT?\
M)'?'7_8!O_\ TG>MJ/\ %CZHRJ_PY>C/P>HHHK]U/QD**** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** /Z O#O\
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M$/6M+^)'U1G4^"7H?@M1117[L?C 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 ?MO^R3_ ,FT_#C_ + T/\J]
M<KR/]DG_ )-I^''_ &!H?Y5ZY7X=B_\ >*G^)_F?L6%_@4_1?D%%%%<ITA11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%<;\:/\ DCOCK_L W_\ Z3O795QOQH_Y([XZ_P"P#?\ _I.];4?XL?5&57^'
M+T9^#U%%%?NI^,A1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110!_0%X=_Y%_2_^O6+_ - %:-9WAW_D7]+_ .O6
M+_T 5HU^#2^)G[3'9!1114E!1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110!^8G_!53_DL7A+_L C_THEKXGK[8_P""JG_)8O"7_8!'_I1+7Q/7[%D_
M^X4O3]3\JS7_ 'VIZ_H%%%%>R>2%%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 ??/\ P2=_Y&#XC_\ 7K8_^AS5^C5?
MG+_P2=_Y&#XC_P#7K8_^AS5^C5?DN?\ _(PJ?+\D?I^2_P"XP^?YL****^>/
M<"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#C?C1_R1WQU_V ;_\
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ME&OJ[_@F?_R<LO\ V!KO^<=>5FG^XUO\+/2RW_?*7JC]9:***_&3]9"BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ KE?BM_R2[QC_ -@:\_\ 1#UU
M5<K\5O\ DEWC'_L#7G_HAZUI?Q(^J,ZGP2]#\%J***_=C\8"BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#]M_
MV2?^3:?AQ_V!H?Y5ZY7D?[)/_)M/PX_[ T/\J]<K\.Q?^\5/\3_,_8L+_ I^
MB_(****Y3I"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH *XWXT?\D=\=?]@&_P#_ $G>NRKC?C1_R1WQU_V ;_\ ])WK
M:C_%CZHRJ_PY>C/P>HHHK]U/QD**** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** /Z O#O_(OZ7_UZQ?^@"M&L[P[
M_P B_I?_ %ZQ?^@"M&OP:7Q,_:8[(****DH**** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M110 4444 %%%% !1110 5^X'[*__ ";?\-O^P#:?^BQ7X?U^X'[*_P#R;?\
M#;_L VG_ *+%?%\4?[O3]?T/K>'?X\_3]3U.BBBOS@^^"BBB@ HHHH ****
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M17[L?C 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 ?MO^R3_R;3\./^P-#_*O7*\C_9)_Y-I^''_8&A_E7KE?
MAV+_ -XJ?XG^9^Q87^!3]%^04445RG2%%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 5QOQH_Y([XZ_[ -_\ ^D[UV5<;
M\:/^2.^.O^P#?_\ I.];4?XL?5&57^'+T9^#U%%%?NI^,A1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!_0%X=
M_P"1?TO_ *]8O_0!6C6=X=_Y%_2_^O6+_P! %:-?@TOB9^TQV04445)04444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** .-^-'_)'?'7_ & ;_P#])WK\'J_>'XT?\D=\=?\ 8!O_
M /TG>OP>K]#X7_A5?5'PO$?\2GZ,****^X/C@HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ K]P/V5_^3;_ (;?]@&T
M_P#18K\/Z_<#]E?_ )-O^&W_ & ;3_T6*^+XH_W>GZ_H?6\._P >?I^IZG11
M17YP??!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5^9G_!5C_DJ/
M@O\ [ S_ /H]J_3.OS,_X*L?\E1\%_\ 8&?_ -'M7TG#_P#O\?1_D>!GG^Y2
M]5^9\/T445^KGYF%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %?5W_  3/_P"3EE_[ UW_ #CKY1KZN_X)G_\ )RR_
M]@:[_G'7E9I_N-;_  L]++?]\I>J/UEHHHK\9/UD**** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "N5^*W_ "2[QC_V!KS_ -$/755ROQ6_Y)=XQ_[
MUY_Z(>M:7\2/JC.I\$O0_!:BBBOW8_& HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH _;?]DG_ )-I^''_ &!H
M?Y5ZY7D?[)/_ ";3\./^P-#_ "KUROP[%_[Q4_Q/\S]BPO\  I^B_(****Y3
MI"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MOB>OV+)_]PI>GZGY5FO^^U/7] HHHKV3R0HHHH **** "BBB@ HHHH ****
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MC 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 ?MO\ LD_\FT_#C_L#0_RKURO(_P!DG_DVGX<?]@:'^5>N5^'8
MO_>*G^)_F?L6%_@4_1?D%%%%<ITA1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %<;\:/^2.^.O\ L W_ /Z3O795QOQH
M_P"2.^.O^P#?_P#I.];4?XL?5&57^'+T9^#U%%%?NI^,A1110 4444 %%%%
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M** "BBB@ HHHH XWXT?\D=\=?]@&_P#_ $G>OP>K]X?C1_R1WQU_V ;_ /\
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M^R3_ ,FT_#C_ + T/\J]<K\.Q?\ O%3_ !/\S]BPO\"GZ+\@HHHKE.D****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ KC
M?C1_R1WQU_V ;_\ ])WKLJXWXT?\D=\=?]@&_P#_ $G>MJ/\6/JC*K_#EZ,_
M!ZBBBOW4_&0HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH _H"\._\ (OZ7_P!>L7_H K1K.\._\B_I?_7K%_Z
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!7[@?LK_ /)M_P -O^P#:?\ HL5^']?N!^RO_P FW_#;_L VG_HL5\7Q1_N]
M/U_0^MX=_CS]/U/4Z***_.#[X**** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "OS,_X*L?\E1\%_P#8&?\ ]'M7Z9U^9G_!5C_DJ/@O_L#/_P"CVKZ3
MA_\ W^/H_P CP,\_W*7JOS/A^BBBOU<_,PHHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ KZN_X)G_\ )RR_]@:[_G'7
MRC7U=_P3/_Y.67_L#7?\XZ\K-/\ <:W^%GI9;_OE+U1^LM%%%?C)^LA1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 5ROQ6_Y)=XQ_[ UY_P"B'KJJ
MY7XK?\DN\8_]@:\_]$/6M+^)'U1G4^"7H?@M1117[L?C 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?MO^R3
M_P FT_#C_L#0_P J]<KR/]DG_DVGX<?]@:'^5>N5^'8O_>*G^)_F?L6%_@4_
M1?D%%%%<ITA1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %<;\:/^2.^.O^P#?_\ I.]=E7&_&C_DCOCK_L W_P#Z3O6U
M'^+'U1E5_AR]&?@]1117[J?C(4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 ?T!>'?^1?TO_KUB_\ 0!6C6=X=
M_P"1?TO_ *]8O_0!6C7X-+XF?M,=D%%%%24%%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% 'YB?\%5/^2Q>$O\ L C_ -*):^)Z^V/^"JG_ "6+PE_V
M 1_Z42U\3U^Q9/\ [A2]/U/RK-?]]J>OZ!1117LGDA1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% 'WS_P $G?\ D8/B
M/_UZV/\ Z'-7Z-5^<O\ P2=_Y&#XC_\ 7K8_^AS5^C5?DN?_ /(PJ?+\D?I^
M2_[C#Y_FPHHHKYX]P**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M_@JQ_P E1\%_]@9__1[5])P__O\ 'T?Y'@9Y_N4O5?F?#]%%%?JY^9A1110
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** .-^-'_)'?'7_8!O_P#TG>OP
M>K]X?C1_R1WQU_V ;_\ ])WK\'J_0^%_X57U1\+Q'_$I^C"BBBON#XX****
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M^"9__)RR_P#8&N_YQUY6:?[C6_PL]++?]\I>J/UEHHHK\9/UD**** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "N5^*W_)+O&/\ V!KS_P!$/755ROQ6
M_P"27>,?^P->?^B'K6E_$CZHSJ?!+T/P6HHHK]V/Q@**** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** /VW_9)_Y-
MI^''_8&A_E7KE>1_LD_\FT_#C_L#0_RKUROP[%_[Q4_Q/\S]BPO\"GZ+\@HH
MHKE.D**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M HHHH **** /OG_@D[_R,'Q'_P"O6Q_]#FK]&J_.7_@D[_R,'Q'_ .O6Q_\
M0YJ_1JOR7/\ _D85/E^2/T_)?]QA\_S84445\\>X%%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% '&_&C_DCOCK_L W_P#Z3O7X/5^\/QH_Y([XZ_[
M-_\ ^D[U^#U?H?"_\*KZH^%XC_B4_1A1117W!\<%%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %?N!^RO\ \FW_  V_
M[ -I_P"BQ7X?U^X'[*__ ";?\-O^P#:?^BQ7Q?%'^[T_7]#ZWAW^//T_4]3H
MHHK\X/O@HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *_,S_@JQ_R5
M'P7_ -@9_P#T>U?IG7YF?\%6/^2H^"_^P,__ */:OI.'_P#?X^C_ "/ SS_<
MI>J_,^'Z***_5S\S"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "OJ[_@F?_P G++_V!KO^<=?*-?5W_!,__DY9?^P-
M=_SCKRLT_P!QK?X6>EEO^^4O5'ZRT445^,GZR%%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !7*_%;_DEWC'_L#7G_ *(>NJKE?BM_R2[QC_V!KS_T
M0]:TOXD?5&=3X)>A^"U%%%?NQ^,!1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110!^V_[)/_ ";3\./^P-#_ "KU
MRO(_V2?^3:?AQ_V!H?Y5ZY7X=B_]XJ?XG^9^Q87^!3]%^04445RG2%%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MQ^S5^UE^WKXVT<?&A(_A[X%TV02FU79$B@L0Y@ME=V>;;D!YC@ \'G#?J/\
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M110 4444 %%%% !1110!_0%X=_Y%_2_^O6+_ - %:-9WAW_D7]+_ .O6+_T
M5HU^#2^)G[3'9!1114E!1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M!^8G_!53_DL7A+_L C_THEKXGK[8_P""JG_)8O"7_8!'_I1+7Q/7[%D_^X4O
M3]3\JS7_ 'VIZ_H%%%%>R>2%%%% !1110 4444 %%%% !1110 4444 %%%%
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ KE?BM_R2[QC_ -@:\_\ 1#UU5<K\
M5O\ DEWC'_L#7G_HAZUI?Q(^J,ZGP2]#\%J***_=C\8"BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#]M_V2?^
M3:?AQ_V!H?Y5ZY7D?[)/_)M/PX_[ T/\J]<K\.Q?^\5/\3_,_8L+_ I^B_(*
M***Y3I"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M_CZ/\CP,\_W*7JOS/A^BBBOU<_,PHHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ KZN_X)G_ /)RR_\ 8&N_YQU\HU]7
M?\$S_P#DY9?^P-=_SCKRLT_W&M_A9Z66_P"^4O5'ZRT445^,GZR%%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !7*_%;_DEWC'_L#7G_HAZZJN5^*W
M_)+O&/\ V!KS_P!$/6M+^)'U1G4^"7H?@M1117[L?C 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?MO^R3_R
M;3\./^P-#_*O7*\C_9)_Y-I^''_8&A_E7KE?AV+_ -XJ?XG^9^Q87^!3]%^0
M4445RG2%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 5QOQH_Y([XZ_[ -_\ ^D[UV5<;\:/^2.^.O^P#?_\ I.];4?XL
M?5&57^'+T9^#U%%%?NI^,A1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110!_0%X=_P"1?TO_ *]8O_0!6C6=X=_Y
M%_2_^O6+_P! %:-?@TOB9^TQV04445)04444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 ?F)_P %5/\ DL7A+_L C_THEKXGK[8_X*J?\EB\)?\ 8!'_
M *42U\3U^Q9/_N%+T_4_*LU_WVIZ_H%%%%>R>2%%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 ??/_!)W_D8/B/_ ->M
MC_Z'-7Z-5^<O_!)W_D8/B/\ ]>MC_P"AS5^C5?DN?_\ (PJ?+\D?I^2_[C#Y
M_FPHHHKYX]P**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** .-^-'_)'
M?'7_ & ;_P#])WK\'J_>'XT?\D=\=?\ 8!O_ /TG>OP>K]#X7_A5?5'PO$?\
M2GZ,****^X/C@HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ K]P/V5_^3;_ (;?]@&T_P#18K\/Z_<#]E?_ )-O^&W_
M & ;3_T6*^+XH_W>GZ_H?6\._P >?I^IZG1117YP??!1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 5^9G_!5C_DJ/@O\ [ S_ /H]J_3.OS,_X*L?
M\E1\%_\ 8&?_ -'M7TG#_P#O\?1_D>!GG^Y2]5^9\/T445^KGYF%%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %?5W_
M  3/_P"3EE_[ UW_ #CKY1KZN_X)G_\ )RR_]@:[_G'7E9I_N-;_  L]++?]
M\I>J/UEHHHK\9/UD**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "N5
M^*W_ "2[QC_V!KS_ -$/755ROQ6_Y)=XQ_[ UY_Z(>M:7\2/JC.I\$O0_!:B
MBBOW8_& HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH _;?]DG_ )-I^''_ &!H?Y5ZY7D?[)/_ ";3\./^P-#_
M "KUROP[%_[Q4_Q/\S]BPO\  I^B_(****Y3I"BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *XWXT?\ )'?'7_8!O_\
MTG>NRKC?C1_R1WQU_P!@&_\ _2=ZVH_Q8^J,JO\ #EZ,_!ZBBBOW4_&0HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M'_T.:OT:K\ES_P#Y&%3Y?DC]/R7_ '&'S_-A1117SQ[@4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 <;\:/\ DCOCK_L W_\ Z3O7X/5^\/QH_P"2
M.^.O^P#?_P#I.]?@]7Z'PO\ PJOJCX7B/^)3]&%%%%?<'QP4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5^X'[*_\
MR;?\-O\ L VG_HL5^']?N!^RO_R;?\-O^P#:?^BQ7Q?%'^[T_7]#ZWAW^//T
M_4]3HHHK\X/O@HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *_,S_@
MJQ_R5'P7_P!@9_\ T>U?IG7YF?\ !5C_ )*CX+_[ S_^CVKZ3A__ '^/H_R/
M SS_ '*7JOS/A^BBBOU<_,PHHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ KZN_X)G_\G++_ -@:[_G'7RC7U=_P3/\
M^3EE_P"P-=_SCKRLT_W&M_A9Z66_[Y2]4?K+1117XR?K(4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %<K\5O^27>,?\ L#7G_HAZZJN5^*W_ "2[
MQC_V!KS_ -$/6M+^)'U1G4^"7H?@M1117[L?C 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?MO\ LD_\FT_#
MC_L#0_RKURO(_P!DG_DVGX<?]@:'^5>N5^'8O_>*G^)_F?L6%_@4_1?D%%%%
M<ITA1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %<;\:/^2.^.O\ L W_ /Z3O795QOQH_P"2.^.O^P#?_P#I.];4?XL?
M5&57^'+T9^#U%%%?NI^,A1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110!_0%X=_Y%_2_P#KUB_] %:-9WAW_D7]
M+_Z]8O\ T 5HU^#2^)G[3'9!1114E!1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110!^8G_!53_DL7A+_L C_P!*):^)Z^V/^"JG_)8O"7_8!'_I1+7Q
M/7[%D_\ N%+T_4_*LU_WVIZ_H%%%%>R>2%%%% !1110 4444 %%%% !1110
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MGZ,****^X/C@HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ K]P/V5_^3;_AM_V ;3_T6*_#^OW _97_ .3;_AM_V ;3
M_P!%BOB^*/\ =Z?K^A];P[_'GZ?J>IT445^<'WP4444 %%%% !1110 4444
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MC]9:***_&3]9"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ KE?BM_
MR2[QC_V!KS_T0]=57*_%;_DEWC'_ + UY_Z(>M:7\2/JC.I\$O0_!:BBBOW8
M_& HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH _;?]DG_DVGX<?]@:'^5>N5Y'^R3_ ,FT_#C_ + T/\J]<K\.
MQ?\ O%3_ !/\S]BPO\"GZ+\@HHHKE.D**** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ KC?C1_R1WQU_V ;_\ ])WKLJXW
MXT?\D=\=?]@&_P#_ $G>MJ/\6/JC*K_#EZ,_!ZBBBOW4_&0HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH _H"\
M._\ (OZ7_P!>L7_H K1K.\._\B_I?_7K%_Z *T:_!I?$S]ICL@HHHJ2@HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH _,3_@JI_P EB\)?]@$?^E$M
M?$]?;'_!53_DL7A+_L C_P!*):^)Z_8LG_W"EZ?J?E6:_P"^U/7] HHHKV3R
M0HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@#[Y_X)._\C!\1_\ KUL?_0YJ_1JOSE_X)._\C!\1_P#KUL?_ $.:OT:K
M\ES_ /Y&%3Y?DC]/R7_<8?/\V%%%%?/'N!1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110!QOQH_Y([XZ_[ -_\ ^D[U^#U?O#\:/^2.^.O^P#?_ /I.
M]?@]7Z'PO_"J^J/A>(_XE/T84445]P?'!1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !7[@?LK_ /)M_P -O^P#:?\
MHL5^']?N!^RO_P FW_#;_L VG_HL5\7Q1_N]/U_0^MX=_CS]/U/4Z***_.#[
MX**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "OS,_X*L?\E1\%_P#8
M&?\ ]'M7Z9U^9G_!5C_DJ/@O_L#/_P"CVKZ3A_\ W^/H_P CP,\_W*7JOS/A
M^BBBOU<_,PHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ KZN_X)G_\ )RR_]@:[_G'7RC7U=_P3/_Y.67_L#7?\XZ\K
M-/\ <:W^%GI9;_OE+U1^LM%%%?C)^LA1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 5ROQ6_Y)=XQ_[ UY_P"B'KJJY7XK?\DN\8_]@:\_]$/6M+^)
M'U1G4^"7H?@M1117[L?C 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 ?MO^R3_P FT_#C_L#0_P J]<KR/]DG
M_DVGX<?]@:'^5>N5^'8O_>*G^)_F?L6%_@4_1?D%%%%<ITA1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %<;\:/^2.^.
MO^P#?_\ I.]=E7&_&C_DCOCK_L W_P#Z3O6U'^+'U1E5_AR]&?@]1117[J?C
M(4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 ?T!>'?^1?TO_KUB_\ 0!6C6=X=_P"1?TO_ *]8O_0!6C7X-+XF
M?M,=D%%%%24%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% 'YB?\%5/
M^2Q>$O\ L C_ -*):^)Z^V/^"JG_ "6+PE_V 1_Z42U\3U^Q9/\ [A2]/U/R
MK-?]]J>OZ!1117LGDA1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M*_<#]E?_ )-O^&W_ & ;3_T6*_#^OW _97_Y-O\ AM_V ;3_ -%BOB^*/]WI
M^OZ'UO#O\>?I^IZG1117YP??!1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH _;?\
M9)_Y-I^''_8&A_E7KE>1_LD_\FT_#C_L#0_RKUROP[%_[Q4_Q/\ ,_8L+_ I
M^B_(****Y3I"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH *XWXT?\D=\=?\ 8!O_ /TG>NRKC?C1_P D=\=?]@&__P#2
M=ZVH_P 6/JC*K_#EZ,_!ZBBBOW4_&0HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH _H"\._P#(OZ7_ ->L7_H
MK1K.\._\B_I?_7K%_P"@"M&OP:7Q,_:8[(****DH**** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M ,FW_#;_ + -I_Z+%?%\4?[O3]?T/K>'?X\_3]3U.BBBOS@^^"BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ K\S/^"K'_ "5'P7_V!G_]'M7Z9U^9
MG_!5C_DJ/@O_ + S_P#H]J^DX?\ ]_CZ/\CP,\_W*7JOS/A^BBBOU<_,PHHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M KZN_P""9_\ R<LO_8&N_P"<=?*-?5W_  3/_P"3EE_[ UW_ #CKRLT_W&M_
MA9Z66_[Y2]4?K+1117XR?K(4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %<K\5O\ DEWC'_L#7G_HAZZJN5^*W_)+O&/_ &!KS_T0]:TOXD?5&=3X
M)>A^"U%%%?NQ^,!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110!^V_[)/\ R;3\./\ L#0_RKURO(_V2?\ DVGX
M<?\ 8&A_E7KE?AV+_P!XJ?XG^9^Q87^!3]%^04445RG2%%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5QOQH_P"2.^.O
M^P#?_P#I.]=E7&_&C_DCOCK_ + -_P#^D[UM1_BQ]495?X<O1GX/4445^ZGX
MR%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% '] 7AW_D7]+_Z]8O\ T 5HUG>'?^1?TO\ Z]8O_0!6C7X-+XF?
MM,=D%%%%24%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% 'YB?\%5/^
M2Q>$O^P"/_2B6OB>OMC_ (*J?\EB\)?]@$?^E$M?$]?L63_[A2]/U/RK-?\
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MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *_<#]E?\
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M1110 4444 %%%% !1110 4444 %%%% !1110 4444 <;\:/^2.^.O^P#?_\
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M /H]J^DX?_W^/H_R/ SS_<I>J_,^'Z***_5S\S"BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "OJ[_@F?\ \G++_P!@
M:[_G'7RC7U=_P3/_ .3EE_[ UW_..O*S3_<:W^%GI9;_ +Y2]4?K+1117XR?
MK(4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %<K\5O^27>,?^P->?
M^B'KJJY7XK?\DN\8_P#8&O/_ $0]:TOXD?5&=3X)>A^"U%%%?NQ^,!1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10!^V_[)/_)M/PX_[ T/\J]<KR/]DG_DVGX<?]@:'^5>N5^'8O\ WBI_B?YG
M[%A?X%/T7Y!1117*=(4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M  F&D?\ /W_Y"?\ PH_X3#2/^?O_ ,A/_A5W^Q=/_P"?"U_[\K_A1_8NG_\
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MJ,G&2DNA,H\R<7U/QD_X8Q^,?_0G_P#E3L__ (]1_P ,8_&/_H3_ /RIV?\
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M_P#X]1_PQC\8_P#H3_\ RIV?_P >K]F_[%T__GPM?^_*_P"%']BZ?_SX6O\
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M (4?\)AI'_/W_P"0G_PJ[_8NG_\ /A:_]^5_PH_L73_^?"U_[\K_ (4 4O\
MA,-(_P"?O_R$_P#A1_PF&D?\_?\ Y"?_  J[_8NG_P#/A:_]^5_PH_L73_\
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M^_*_X4 4O^$PTC_G[_\ (3_X4?\ "8:1_P _?_D)_P#"KO\ 8NG_ //A:_\
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M]Z_R/QD_X8Q^,?\ T)__ )4[/_X]1_PQC\8_^A/_ /*G9_\ QZOV;_L73_\
MGPM?^_*_X4?V+I__ #X6O_?E?\*/]9L9_+'[G_\ )!_J[A?YI?>O\C\9/^&,
M?C'_ -"?_P"5.S_^/4?\,8_&/_H3_P#RIV?_ ,>K]F_[%T__ )\+7_ORO^%'
M]BZ?_P ^%K_WY7_"C_6;&?RQ^Y__ "0?ZNX7^:7WK_(_&3_AC'XQ_P#0G_\
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M)_\ "C_A,-(_Y^__ "$_^%7?[%T__GPM?^_*_P"%']BZ?_SX6O\ WY7_  H
MI?\ "8:1_P _?_D)_P#"C_A,-(_Y^_\ R$_^%7?[%T__ )\+7_ORO^%']BZ?
M_P ^%K_WY7_"@"E_PF&D?\_?_D)_\*/^$PTC_G[_ /(3_P"%7?[%T_\ Y\+7
M_ORO^%']BZ?_ ,^%K_WY7_"@"E_PF&D?\_?_ )"?_"C_ (3#2/\ G[_\A/\
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M /RIV?\ \>H_X8Q^,?\ T)__ )4[/_X]7[-_V+I__/A:_P#?E?\ "C^Q=/\
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M  J[_8NG_P#/A:_]^5_PH_L73_\ GPM?^_*_X4 4O^$PTC_G[_\ (3_X4?\
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M?_D)_P#"KO\ 8NG_ //A:_\ ?E?\*/[%T_\ Y\+7_ORO^% %+_A,-(_Y^_\
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MV,_EC]S_ /D@_P!7<+_-+[U_D?C)_P ,8_&/_H3_ /RIV?\ \>H_X8Q^,?\
MT)__ )4[/_X]7[-_V+I__/A:_P#?E?\ "C^Q=/\ ^?"U_P"_*_X4?ZS8S^6/
MW/\ ^2#_ %=PO\TOO7^1^,G_  QC\8_^A/\ _*G9_P#QZC_AC'XQ_P#0G_\
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MI_\ SX6O_?E?\*/[%T__ )\+7_ORO^% %+_A,-(_Y^__ "$_^%'_  F&D?\
M/W_Y"?\ PJ[_ &+I_P#SX6O_ 'Y7_"C^Q=/_ .?"U_[\K_A0!2_X3#2/^?O_
M ,A/_A1_PF&D?\_?_D)_\*N_V+I__/A:_P#?E?\ "C^Q=/\ ^?"U_P"_*_X4
M 4O^$PTC_G[_ /(3_P"%'_"8:1_S]_\ D)_\*N_V+I__ #X6O_?E?\*/[%T_
M_GPM?^_*_P"% %+_ (3#2/\ G[_\A/\ X4?\)AI'_/W_ .0G_P *N_V+I_\
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M_?E?\*/[%T__ )\+7_ORO^% %+_A,-(_Y^__ "$_^%'_  F&D?\ /W_Y"?\
MPJ[_ &+I_P#SX6O_ 'Y7_"C^Q=/_ .?"U_[\K_A0!2_X3#2/^?O_ ,A/_A1_
MPF&D?\_?_D)_\*N_V+I__/A:_P#?E?\ "C^Q=/\ ^?"U_P"_*_X4 4O^$PTC
M_G[_ /(3_P"%'_"8:1_S]_\ D)_\*N_V+I__ #X6O_?E?\*/[%T__GPM?^_*
M_P"% %+_ (3#2/\ G[_\A/\ X4?\)AI'_/W_ .0G_P *N_V+I_\ SX6O_?E?
M\*/[%T__ )\+7_ORO^% %+_A,-(_Y^__ "$_^%'_  F&D?\ /W_Y"?\ PJ[_
M &+I_P#SX6O_ 'Y7_"C^Q=/_ .?"U_[\K_A0!2_X3#2/^?O_ ,A/_A1_PF&D
M?\_?_D)_\*N_V+I__/A:_P#?E?\ "C^Q=/\ ^?"U_P"_*_X4 4O^$PTC_G[_
M /(3_P"%'_"8:1_S]_\ D)_\*N_V+I__ #X6O_?E?\*/[%T__GPM?^_*_P"%
M %+_ (3#2/\ G[_\A/\ X4?\)AI'_/W_ .0G_P *N_V+I_\ SX6O_?E?\*/[
M%T__ )\+7_ORO^% %+_A,-(_Y^__ "$_^%8'Q UVQUSP%XDTZRG\Z\O-,N;>
M"/8R[Y'B95&2 !DD<DXKK/[%T_\ Y\+7_ORO^%']BZ?_ ,^%K_WY7_"JC)Q:
MDN@I+F33/QD_X8Q^,?\ T)__ )4[/_X]1_PQC\8_^A/_ /*G9_\ QZOV;_L7
M3_\ GPM?^_*_X4?V+I__ #X6O_?E?\*^L_UFQG\L?N?_ ,D?,?ZNX7^:7WK_
M "/QD_X8Q^,?_0G_ /E3L_\ X]1_PQC\8_\ H3__ "IV?_QZOV;_ +%T_P#Y
M\+7_ +\K_A1_8NG_ //A:_\ ?E?\*/\ 6;&?RQ^Y_P#R0?ZNX7^:7WK_ "/Q
MD_X8Q^,?_0G_ /E3L_\ X]1_PQC\8_\ H3__ "IV?_QZOV;_ +%T_P#Y\+7_
M +\K_A1_8NG_ //A:_\ ?E?\*/\ 6;&?RQ^Y_P#R0?ZNX7^:7WK_ "/QD_X8
MQ^,?_0G_ /E3L_\ X]1_PQC\8_\ H3__ "IV?_QZOV;_ +%T_P#Y\+7_ +\K
M_A1_8NG_ //A:_\ ?E?\*/\ 6;&?RQ^Y_P#R0?ZNX7^:7WK_ "/QD_X8Q^,?
M_0G_ /E3L_\ X]1_PQC\8_\ H3__ "IV?_QZOV;_ +%T_P#Y\+7_ +\K_A1_
M8NG_ //A:_\ ?E?\*/\ 6;&?RQ^Y_P#R0?ZNX7^:7WK_ "/QD_X8Q^,?_0G_
M /E3L_\ X]1_PQC\8_\ H3__ "IV?_QZOV;_ +%T_P#Y\+7_ +\K_A1_8NG_
M //A:_\ ?E?\*/\ 6;&?RQ^Y_P#R0?ZNX7^:7WK_ "/QD_X8Q^,?_0G_ /E3
ML_\ X]1_PQC\8_\ H3__ "IV?_QZOV;_ +%T_P#Y\+7_ +\K_A1_8NG_ //A
M:_\ ?E?\*/\ 6;&?RQ^Y_P#R0?ZNX7^:7WK_ "/QD_X8Q^,?_0G_ /E3L_\
MX]1_PQC\8_\ H3__ "IV?_QZOV;_ +%T_P#Y\+7_ +\K_A1_8NG_ //A:_\
M?E?\*/\ 6;&?RQ^Y_P#R0?ZNX7^:7WK_ "/QD_X8Q^,?_0G_ /E3L_\ X]1_
MPQC\8_\ H3__ "IV?_QZOV;_ +%T_P#Y\+7_ +\K_A1_8NG_ //A:_\ ?E?\
M*/\ 6;&?RQ^Y_P#R0?ZNX7^:7WK_ "/QD_X8Q^,?_0G_ /E3L_\ X]1_PQC\
M8_\ H3__ "IV?_QZOV;_ +%T_P#Y\+7_ +\K_A1_8NG_ //A:_\ ?E?\*/\
M6;&?RQ^Y_P#R0?ZNX7^:7WK_ "/QD_X8Q^,?_0G_ /E3L_\ X]1_PQC\8_\
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MO_R$_P#A5W^Q=/\ ^?"U_P"_*_X4?V+I_P#SX6O_ 'Y7_"@"E_PF&D?\_?\
MY"?_  H_X3#2/^?O_P A/_A5W^Q=/_Y\+7_ORO\ A1_8NG_\^%K_ -^5_P *
M *7_  F&D?\ /W_Y"?\ PH_X3#2/^?O_ ,A/_A5W^Q=/_P"?"U_[\K_A1_8N
MG_\ /A:_]^5_PH I?\)AI'_/W_Y"?_"C_A,-(_Y^_P#R$_\ A5W^Q=/_ .?"
MU_[\K_A1_8NG_P#/A:_]^5_PH I?\)AI'_/W_P"0G_PH_P"$PTC_ )^__(3_
M .%7?[%T_P#Y\+7_ +\K_A1_8NG_ //A:_\ ?E?\* *7_"8:1_S]_P#D)_\
M"C_A,-(_Y^__ "$_^%7?[%T__GPM?^_*_P"%']BZ?_SX6O\ WY7_  H I?\
M"8:1_P _?_D)_P#"C_A,-(_Y^_\ R$_^%7?[%T__ )\+7_ORO^%']BZ?_P ^
M%K_WY7_"@"E_PF&D?\_?_D)_\*/^$PTC_G[_ /(3_P"%7?[%T_\ Y\+7_ORO
M^%']BZ?_ ,^%K_WY7_"@"E_PF&D?\_?_ )"?_"M*QU"#4K<36TGF1$XW8(Z?
M6HO[%T__ )\+7_ORO^%68+>*UCV0Q)"G7;&H4?D* )**** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHI&8(I9B%4#))Z"@!:KV>H6NI1M):7,-U&K;2\,@<!O3([
M\C\Z_.+_ (*$?\%,-&\*Z!JWPV^$FK1:OXEO(WM=3\16,F^WTZ-@0\<$BG#S
MD$C<O$?8[Q\O3?\ !%3_ )-9\4_]CG=?^D-C0!]_T51US6K'PUHNH:OJ=PEG
MINGV\EW=7$GW8HHU+.Y]@H)_"OQMO/B!\:O^"JOQOU7PSX8UJ?P?\,]._>R6
MPD=+:UM"Y5)+A4(^T7#C.$)QPP&U0S4 ?M!17Y8^)/\ @E'\0_@/X=E\6_!;
MXOZM-XPTR%ISI\5NU@U]@998GCE89(&!&ZLK'@L!7T7_ ,$Y_P!M2Z_:F\$:
MGHGBU8;?XB>&]BWWE)Y8OH#\JW(3HK;@5=1P#M(P'"@ ^PZ*** "BOFG]OK]
MJU_V3_@C)K.EQ1W/BW6)_P"SM&CF4-'%*5+/.X[K&HSCNQ0'@G'Q1\'?^">_
MQ4_;+\*V7Q+^-'Q7U:QAUY%O++36C:YG>!CE'*LR10*P 9416&TJ?EZ4 ?K;
M17XW_&KX$_'#_@F-<:5X\^'_ ,2+OQ)X)DGCL[F&>)EAC8\K%<VK.Z&-@I59
M%((/ V$J3^I?[//QHTW]H;X,^%OB#I4#VEMK-L7>UD.6@F1VBFCSW"R(X![@
M ]Z /1:*_+3]LC]HSXF_M-?M+C]FWX+:G+H]E;3/9:OJ5K<-!]IE5=UQYLJC
M<D$(#(RKR[!AALJM5_$W_!&OQ/X3\/R^(/ OQ>N[SQ]:(T\0DLVL5N9!@[4G
M6=FB;CAFW G&=HY !^J=%? G_!,S]LKQ3\6+GQ!\(_BA+--X_P##".\-]>#;
M<74$3B*6*?CF:)RH+=7#9/*LS??= !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MT =W1110 45^=/\ P4B_;,\=^$_B!H/P-^#TMS:^,]6$/VZ_L54W(:<[8+6
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M[8VMY(L'_9+RG_@5?IA\+/$[^-OACX0\12G,FKZ/9W[$8ZRP)(>G^]7YV?\
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M6&=J#'[N'DDC."V H!;_ ."8MOJ/QH_;L^)7Q6L[.2PT'&I:C.,85'OKDM#
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MU7OT^A_V\/\ @I!9_"%KOX;_  KD7Q!\3+AOL<]W;)Y\.DNWR[5 SYMSD@!
M"%/WLD;#G_\ !/'_ ()_7_PVU)?C#\6UEOOB/J!>ZLM/O7\V33S+DO/.Q)+7
M+[CU/R;CGYR=H!]V>"-"F\+^"] T6XG^U3Z=I]O9R3_\]&CC5"WXD9_&OBO2
MO^"5OAOQ=\>O&?Q,^*OB&X\6QZOKUYJ=CX>MF>.WC@>=W@CGE)WR!8RB^6FQ
M5VXRRU]WT4 ?D!X6TFQT#_@M5;Z;IEG!I^G6E\\%O:6L8CBAC70V"HB@850
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MKR3]F+]FKPM^RS\+[3P?X91IW+?:-1U290)K^Y( :5\=!P JCA5 ')R3ZW0
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH \*_;J_Y,_\
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MW>*=6AM-(\0_'V_OO#%H^8M/33)74+D<(CW)2,D#J V"!P: .'_8P6?]K/\
MX*7>,OC%;P2/X9T2:YU"*:9-ORM$;.Q1AV<QCS,?],6_']>*\T_9^_9Y\&?L
MS_#^#PCX)L7M[$2&>XNKEA)<WDQP#+,X W-@ #      %>ET %%%% !1110
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110!5U34[31=-N]0O[B.TL;2%YY[B9MJ11JI9F8]@
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %>7_ +2OP%T7]I3X
M.:]X$UH^2M]'YEG>A<M9W2<Q3#UPW!'=2R]Z]0HH ^8_^"?VE_%3P3\%?^$!
M^*_AZ;2]2\*7!T_2]1:>.:*_L!GRMK(Q/[O!0;@OR>7WSCZ<HHH **** "BB
MB@ HHHH *^?OVXI?B;>_ /6/#OPG\.W6N^*?$7_$K::WFBB%C:R*1/,6D=<$
MKE%P<@ON_AKZ!HH \3_8_P#V:]-_97^".D>#K5H[G5G/VW6;^,'%U>NJB1AG
M^!0JHO3Y4!/)->V444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M\::)\//"^H>(_$FI0Z1H>GQ^;=7UP2(XER!DX]R!^- &U17S_P#\-^?L\_\
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M'D,K*2"#ZBK5 !116?:^(-+OM4N=-MM2L[C4;4 SV<4Z--$#C!= <KU'4=Z
M-"BBB@ HK,A\4:-<:I)ID6K6,NI1G#V:7*&9>O5,Y'0]NU:= !1110 4444
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MS:K96]Y':2WEO'=28*0/*H=L],+G)Z&@"U1110 4444 %%%% !1110 4444
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MBVI+]ZS6Y0S#G'*9SU'I0!J4444 %%%% !1110 4444 %%%% !1110 4444
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MP7\2>'?'VNW6EZK>^()+^&*#3I[@-";:WC#;HU(!W1MQUXKZ_P#^'L'[-O\
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MJ^JW<U_J=_IL5U=75PQ:2:5[DL[L3U))))]Z_7*OR _X(A_\E4^)?_8%M_\
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MM->+/VD?$FDS:'H5]-J%W8><K 7=S=NVX0D@;XHT=UWXP3M Z-@ _5NBBB@
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M_8[^,&M_'+]G?PGXK\36$NF^)9H7M]2AEMF@W31.R&14(X$@"OQQ\^!TK/\
MV(/&6@>)OV6_A=::/KFFZK=:=X9TZVO8+&[CF>VE6W16CD522C!@05;!!!%>
M\4 <U\0OB5X6^$_ABZ\1>,->L?#NBVXR]W?2A%)QG:HZNQQPJ@L>@!K\0?\
M@H%^WE??M8:W!H/AV"YTKX::3<>9;13C;+J%P 0+B8 X4 %@B=@Q)Y.%_3;]
MK7]@W3_VO/B=X/UGQ'XIN](\,Z#9203:;I\0-Q=.\@8[9&RL8P ,[6)]NM?'
M'_!6CX,>#/@3\(_@WX7\#Z%;:%I$-[J3,D()DGD\NW!DED.6D<X'S,2> .@
MH _3_P""/_)%_ /_ &+^G_\ I-'7:UQ7P1_Y(OX!_P"Q?T__ -)HZ[-W6-69
MF"JHR68X 'K0!PWQP^,OAWX _"_7?'/B>?RM,TN'>(D(\RYE/$<,8/5W8A1V
M&<G !(_$GX)?%SQ3\=O^"B7P\\=>+3(NHZQXBMIX8"&$<%MDB**('_EFJC /
M?!)R22?IOXG:]J7_  5"_:VL_A[X=NYH_@AX&F^TZGJ-N2$O&!*O*IZ%I"#%
M#W">9)W85R7Q8T+3_"__  6 \!Z/I-G#I^EZ?=Z%:VMI;KMCAB2SB5$4=@
M/PH _8.BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M !1110 4444 %%%% !1110 4444 %%%% !1110!^-?\ P6T_Y+[X%_[%D?\
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M .CXJ^BJ^=?^"AW_ "9;\5?^P8O_ */BH ^%_P#@EW^QQ\'_ -HKX(^)=?\
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M?TO^,O[;7P<^"?A6\U?5?'.CZI=11EH-'T>^BN[VZ?&518T8D9R/F;"C.2:
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MP31^'_BG]HK]K7Q5^T9XDL/LNE6MQ>SPS*"(GO[E3&(8L_>6*&1\GL3'U)R
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MXO7C(#<0VFF0HV.0KO<EA^)C7\J_6>OR@_X(:_\ (5^,G_7'2?\ T*\K]7Z
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MR=_9S^)_@C]IS]K#6OCO\=O&WA[PWIFASHGAOPQJ^HQIM9"6@ 1CS'"#O+8
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M^05\&_\ KMJW_H-G7Z/_  F_Y)7X-_[ ME_Z(2OS@_X+E?\ (*^#?_7;5O\
MT&SK]'_A-_R2OP;_ -@6R_\ 1"4 =77SO^V!^VMX+_9'\*B74W76/%][$6TO
MPY;R 2S=0)93_P LX01C<1DX(4$@XL_ML?M56/[)GP9N?$ODQ7_B._D^P:)I
M\I^66Y*D[Y #GRXU!9L=?E7(+ U^=/[%7P0\%_'[Q9>_&[]HWXC:#J-U=WC3
M6F@:UK5O%+>R*V/-N8V<%8%(VI#@ A>GEX#@'0_LQ?LI^//V^?BFWQS^.[W
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MU-%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %?$'_!1+]DGX2ZM\"OB
M%\2/^$,L;#QMIM@UY%JVFEK9I)=XRTJ1D)*3DY9U+>]9/_!7?5OB7X/^$/A;
MQ3X#\4:YX<TJROY;/6QHE]+:M(DZIY+R&,@[5:-DZ]9@.<U3U[]I#0OVC/\
M@E[XSO[35H[SQ/IOA:*RUZRDDS<072;$:1U/.V0J75N00V,Y#  'QYX@_85\
M=?!?]G_P5^T;\+_&=V9ET2SUW4+6$&WO=.\V%'DDBD4XEB!<[E(4A,YWC-?I
MA_P3]_:;O?VI?V?;/Q!K2JOBC2;I](U>1$5$N)D1'$ZJ. '21"0  &W@# %>
M(?%7X[^&O@__ ,$L_">EZI?VYU[Q3\/K31M,TO>IGG,]DD3R!,YV1JY8MT!
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MX:\=6/BO2;OP=!J&E22ZY#=(UHBQV\:N3)G "D$'TQ7UU_PYM^ G_/YXP_\
M!I%_\8KX+^)W[)/@?PC_ ,%#M"^"=C+JQ\'7MYIT$LDURC7>V>!'?$FP '+'
M'RT ?M?\.?B]X)^+UE>7G@KQ3I7BFULY!%<3:5=+.L3D9"L5/!(YKKZ\8_9F
M_9/\$_LH:'K6D^"I=5EM=6N4NK@ZK<K,P=5VC:51<#%>ST %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M.\B66&:-AAD=&!#*1U!%?'7C3_@D;^S[XNU66^M-/U[POYC[VMM%U/$.=V2
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %8OC+P;HGQ"\*ZIX;\1Z;!J^AZG
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MC5 Q [D+FMBBB@ KY<\:?L&:#XT_:TTSX[S>*=1MM6L;BTN%TB.",P,8(UC
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M]\4O%7C;2_%.HZW=:_;R6\MK>01HD0>=9B5*\G!7'/K7U'110!X+^U)^Q?\
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MB&:6!'<JN.!ECQ7TK^SQ^PS\+?V7_%VH>)/ UIJD&IWUBVGS-?7S3H83(DA
M4C@[HUY^M 'T%116;<>)-(M)GAGU2RAE0X:.2X164^A!/% &E1110 4444 %
M%%% '#_%[XV>"/@-X;MM?\>Z_#X=T>YNUL8KJ>*20-.R.ZIB-6.2L;GICY:\
MB_X>0_LV_P#14M/_ / *[_\ C->*_P#!:O\ Y-9\+?\ 8YVO_I#?5P?['/\
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MDCBKM?&O_!)/_DRWP_\ ]A/4/_1YK[*H **** "BBB@ HHHH **** "BBB@
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MP+9?^B$H ZNLKQ!XLT3PG;BXUO6=/T: YQ+J%TD"G'7ER!7B7[<W[3#?LK_
M'4_%=C%%<>(KR9-+T:&;E/M4BL1(P[JB([X[E0N1G-?!O[+_ /P3IUC]L;PO
M'\8/C?X\\122>("TEC#:RHUY+ K$+*\LJNJ(2&V1JF N"" 0* /UGTC6M/\
M$%DMYI=_:ZE:,2JW%G,LL9(X(#*2.*NU^-'[1?[/OCC_ ()<^+O#/Q'^%/C?
M4;[PGJ5X+*>UU#:,RA2XM[E%PDR2(DA#!5*[#C!"L?UE^#?Q,L?C)\*_"OC?
M38F@M->TZ&^6!SEH6906C)[E6W+GOB@#LJ*** "BBB@ HHHH **** "BBB@
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MBGA<.DB,,JRL.""""".N:FKS_P#9[_Y(%\-/^Q9TS_TECKT"@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "OS+_P""X/\ R(/PL_["=[_Z*CK]-*_,O_@N#_R(/PL_["=[_P"B
MHZ /M3]CO_DU#X/?]BEI?_I+'7L%>/\ ['?_ ":A\'O^Q2TO_P!)8Z]@H _*
M7]K3XO?%?]K+]L$?L[?#W6KSPAX7LYVM+RYA:2 7/E+NNKB=EPSQ(59$C!VL
MRC/+#;U\W_!$7P;)HI3_ (6=KYULKEKQ[&$P%]O7RL[L;N?]9TXSWKU+]K3_
M (*=>$_V??&4O@;POX?F^('CF!UBG@MYQ':VLS''DLZAF>4<9C5>,@%@<@>1
M6G[6'[=/Q;4)X0^!]GX8M9AF*ZU'3);=P">&WWDZ(1C'.SGK0!YE^QYXZ^)'
M[&_[;T7[/WBGQ!<:UX7O+H:;]C$K26R-+");6YMU<_NMVY RJ1PS Y*#'W;^
MWG^RW-^TQ\'9XM!N)+#QUH8>\T6XBF,7GMCY[5R"/ED"@ G[KA#G&[/YF^&]
M/^)^F_\ !3SX?P_&'4;75/'QUG39+Z:S\KRU5HE:)!Y2*F50J.!VZGK7[D4
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MVWQH?J!0!\C?"WX6_&/_ (*M>,-<\7>-/%]QX4^&EA=^1#9VZO);))C<(+6
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M.Q62..Y8XAB=GW,<94Y*E=QS^O?[#?[$^C_L?>";Q)+R/7/&NLA&U?5HU(B
M3)2" 'D1KN)R>7)R< *J^'_M[_\ !-KPYXR^$]EK7PA\,VFA^)_"MIY::/IL
M01=4LURS1D=7G7+,KG+/EE))*D?,7A/_ (*@^)='_8UUOP!>ZC?VGQ2TU[73
M]#\019\Q[/S 7:1NTL:(8\GEA(AY(8D _:BBOFO_ ()Z>*OB/X^_9CT'Q5\3
MM<FUS6M:GFNK.2XMHH9([($)""(T7=NV-(&.21(O/2OI2@ K\A_"-K_PS/\
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M964C(((Z@U^/VO\ _!/?P%\4/VZOB=\)_#EU=^!-$TCPU;ZSIOV4M>)%</\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M '[=5\K_ +4G[!&@?M:?%GPOXF\6>(KZQT#0].-FVDZ:BK+=.96<DS-D(N"
M0%)/JN*U/^"?O[35U^U%^SW8:]K '_"4:3<-H^L.JA5GGC1&$X X'F(Z,0
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M8&Y7( &!0!]0T444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M.<#+,23@<\"OUMK\P/\ @N-_R*OPD_Z_=2_]%V] 'Z%?!'_DB_@'_L7]/_\
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MUD'\=O;\A&!Y#,78$9!6OL&B@#\B_P#@D=_R=Y\8/^P9=?\ IPBK]=*_(O\
MX)'?\G>?&#_L&77_ *<(J_72@#Y=_:P_83T7]KOXA^#=8\4>([W3- \/VL\,
MFFZ;&HFNVD=&_P!:V1&H"8.%).>JXKX]_P""MGPC\(?!+X(?"+POX)T*UT#1
M;?4[UA#;+\TC^3$#)(YRTCG RS$DX'/ K]9*_,O_ (+@_P#(@_"S_L)WO_HJ
M.@#[T_9[_P"2!?#3_L6=,_\ 26.O0*\__9[_ .2!?#3_ +%G3/\ TECKT"@
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M6Q0!^('[(_C#PU^SK_P4*\6R_&EEL+U+G4K2+5M3C/EVE_).KI=.2"562/S
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M_L=_"#XU>(]$U[Q?X.2_U;1;6.RTZYM=0N[$VT,;EXT46\L8PK,2..,\5/\
M&_\ 9)^%7[1VIZ;?_$7PU-XCN--A:"T#:M>VT<*L<MB.&9%R2!EL9.U03@#
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M?$GX9>%OC!X/OO"WC+1;;7] O0/.L[H'!(.5964AD8'D,I!'8UXW\&/^"?\
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MKHMEI&C:?:Z5I5E$L-M96<2Q0PQ@8"HB@!0/04 ?DW_P7!_Y'[X6?]@R]_\
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M21_9VN];-^FAZU:VY;=_9L.L2_9^H.,MF3'!'W^Y]L>M^(_V(_@CXJ^'&B>
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M!551@ #H * '4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M(06>15R!PRAL#(QE:_2_3]/M=)L+:QL;:&SLK:)88+:WC$<<4:@!451PJ@
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?%'[=W[ .
MO_M9>-M$\1^'_&MKX8DM-,&EW=K=02.MQ&)9)%)*-V,K#!'<\UZ'^Q7^Q'X;
M_8\\+ZA';7[>(O%FK;/[2UN6 191<E88DR=D8))/)+'D]%"_2E% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 48M"TV#5YM5CTZUCU2:,12WRP*)W08PK/C<1P
M.">PJ]110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 5M1TVTUBREL[^UAO;28;9+>XC$D;CK@J1@_C4EK:PV-M%;V\,
M=O;PH(XX8E"HB@8"@#@ #C J6B@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH *HQZ%IL.L2ZLFG6J:K+'Y,E\L"B=X^#
ML+XW%>!QG' J]10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %5]0T^UU:SFL[ZVAO+29=LEO<1B2-QZ,I&"/K5BB@"&
MSL[?3K2&UM(([6UA01Q0PH$1% P%51P !V%3444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MO;WVJ6WF0?;+BXY$)G4?+#'&59]IYW,&&%P=#1_^")7P^71476OB'XGO=<9
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M+NN?_P""MG_)EOB#_L)Z?_Z/%=!_P2X_Y,3^&7_<3_\ 3I=T ?55>5?M8_\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M0,]: /2?^'&/_5;/_+4_^[:^_P#]EOX%_P##-?P)\,_#C^V_^$C_ +%^U?\
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M0/VAOVJ],_9B\!ZI)HND&:"RU)H9BJ7TTL2SR-,5Y,,,1YC[E7R"=N/1;O\
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M+B>,E%OCNP7!'\<Y4JF>4B5FX8D'F_C)IMIHO_!8KP1I]A;165C:7VAP6]M
M@2.*-;2)515' 4   #H!0!^OM%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!Y
M1>?M4?"NQ^,,/PKG\7VZ>/IIUMET7[/.7\PQ><%+A-BY3D98=0.I KHOB)\%
M/ 'Q;MC!XS\&:'XF&W:LFIV$<TL8_P!B0C<A]U(/-?FE_P %3O@1XO\ A;\<
M-$_:/\#13>2LEH^HW5NI=K"^M]JPS2 ?\LGC2-,],H0WWP#[E\$?^"OWP?\
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MF_0_VI_@_J7@C69C8S,ZW>G:DB;VLKM 0DH7^(89E9<C*NP!!P1^:7PYTO\
M;9_83N+GPCX;\&W'C;PM]H+6UO#8R:OIV6;F2(PLLL(8MDJQ09RQ7J:^]?\
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M+\"V]];VFJW"7-R+ZZ,Y+JNT8)' Q7KM !1110 4444 %%%% !1110 4444
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M#2RNA#-O) W ;<C<>D_X+)?"+5O'7P%\/^+M*@DNU\(Z@\M]#&I)2UG54:7
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M,#KD\4 ?C_\ M >"[7]A/_@H]X,U7P-&VFZ!J4UEJR:="2(X[:XF>WNK9?\
M9.R7:/X0Z\?**_:BOQI\>>(8O^"@W_!2SPP/!Z2W_@WP\]I"VI)&0K:?:3-/
M/.0P^57DD=$SUW1\9.*_9:@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M9(['4=D%B6&""\2#<_(^ZS[2."IK[OHH CM[>*SMXH((D@@B4)''&H544#
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%>3_ !G_ &J_A1^S]&R^.O&NFZ/>[0ZZ8K&XO6!'!%O&&DP?[Q4#WKR+_@HW
M^U]-^RQ\(88/#\RIX\\2M):Z0Y17%HB;?.N2K9!V!U"@@@LX."%85\K?L6_\
M$T;;XY>';?XN?':_U;6)?$9-_:Z,]U)'+=1N<K<74^?,/F#YE52IVE26YV@
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHKS[]H/XG-\&/@AXW\;Q0I<7.AZ5/=V\,@)228(1$K8.=I<J#CMF@"C\7_VG
M/A9\!#&GCWQMI?AZYDC\U+.1VENG3^\((PTA'OMYKP3]FW_@IY\+?C+!>6GB
MK7-)\!^(/[4DM+&PO)Y1%=6V$\J?SY(TC4N2PV%LC:,]17R)_P $[_V/=(_;
M(O/&'QC^,EW>^*XFU=[1+*2Y>(WMUL26669T(;8HEC"JI Z@\*!4?P _8/\
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M6]O%9V\4$$:PP1*$CCC&%50,  =@!7XS?\%+(;CX-?\ !0GPE\1)[:06,O\
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MMU9EVR+DY)"KDDYKZE^."A_@KX_5@&4^']0!!Z'_ $:2OSV_X(<_\BK\6_\
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M#_P6ZM(XU5$74M.5548  T2'  K]=J_(OQQ_RF]MO^PGIW_IDAH _72BBB@
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M5*H(F7"X11CI\HH Y/\ ;BN([K]C?XKSPR++#)X=G=)$.592H((/<$5\W?\
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M\^%DDV_[.['M7EGAG_@F+^S?X7U9-0B^'J:A-&P9(M3U&ZNH5^L3R%6'LP-
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M>QLHPD:#J3[L3R6.2222236_0!\O_P#!33_DQSXG_P#7&Q_]+[:N*_X)#?\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MA\)ZS\6OVHOB?\<+W3C;:/+]N"RM]W[?>7"S&-#CYMD>_=CIYB?WJYO]A/\
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M(_#:XC\8:G'K"W5X^EOYJ->E6@M[:-A\KM^^D+8.%)49R& _07P5^S[::/\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M2Q^,_A'%X@A3RXM6T,7Z(#G:LMOO SWX:OS0_P""&O\ R%?C)_UQTG_T*\H
MROVU/^4L_P 'O^PGX8_]+Q7ZM:YXU\/>&;B.#6->TS2IY%WI'?7D<+,N<9 9
M@2,@\^U?E+^VI_REG^#W_83\,?\ I>*]J_X+*_!'_A,O@AHGQ$L;??J/A&\\
MF[=5Y-E<E4)/KME$./0.YH _0JJ^H:A:Z39S7E]<PV=I"NZ2XN)!'&@]68G
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MK\FO^"H_CCQ-\;/VI/A]^SUHVH'3]'FEL%E1L^7)?7<I1990#\R11LI ZC=)
MZBOUEK\N/^"JWP&\;>%_BQX4_:)\"VDUVNBI:G4'MXS*UA<6LID@N70#F(C:
MI/0%!G[U %#]IC]BGX4? SXA?LM>$=$\/"\MM>\5KI^NWE_*\D^JQ^9;*PE.
M<*"'?Y4"@9Z5SWQH_9+\??L;_M=^$O&/[/7A?Q-K?AVZ473V&F6TUXEL@DVW
M-E-)@CRG3!4R-GYN#E U87Q1_P""A_A#]HSXA_LV:YJ^FW7A"]\&^*8M0\0M
M*/.LTB,EN6EA9<NRCRG)4KD<#YNM?K1\.OBUX+^+FDOJ7@KQ3I/BBRC($LFE
MW:3>43G"R*IRAX/# &@"/XK_ !(L_A1\*?%/CB^B:6TT/2Y]2:W8^6TICC++
M%DCAF("CCJU?DO\ LN_LX^)_^"FOC_Q1\4OBYXJU*/PK87K6<5K82C<TI42&
MUM]^X00QJ\9/RDMO'<LP_8/Q3X5T;QQX?OM"\0Z7::UHU\GEW-A?0K+#,N0<
M,K @\@'V(!K*^'/PM\)?"/0YM&\&>'K'PUI4URUV]GIT0CB,S!59]HX!(11Q
MZ"@#X3^-7_!&_P"'E]X(OI_ACJ6LZ)XOM8C+91ZA>+/:W4B@D1OE0R%C@!PV
M%ZE35K_@DK^U1XG^+'A[Q+\-O&U]<:MK7A=$N;+4KZ5I+F2U9RC12,W+&-]N
M&))PX'\(KZY_:7_: T']FGX0:WXVUR6,O;1&/3[%FP]]=L#Y4*CKR1DD=%#-
MVKX _P""+OPKUJ\U[XA?%S5(Y$L[Z+^QK2:12/M4C2K/<N/4*4B&1QEF'\)H
M ],_X*P?M6:]\+_#N@_"GP/>3V?BKQ9$9KVXL\BXBL2YC2.(CD--('7(YQ&P
MXW UG?"'_@C7\.K?X>V9^(^K:[J7C*[@$E[)I=XD$%I(PR4B!1MY7."SDAB,
M@ '%>+_M&,?B#_P6.\)Z+?.);32=6T.&.-QE=D<$5X4]P7D;_OJOU_H _&S1
MV\5?\$H_VOM+T&YUZYU;X2>)W269ILA);1W\LRN@^47-N0"67[RXZ!\#]@]<
MUZP\-Z#J&M:C<I;:986TEY<W#'Y8X40N[GV"@FOS;_X+@:#!/\/_ (7:V57[
M3:ZI>68;'.V6)'(^F817IW[0_P 3+Z/_ (),P^(6=CJ.K^#=&M)65OO&Y^S0
MS'/NKR<>^* /E'P'X4\;_P#!6K]H?7-;\2ZQJ'A_X2^'9?W5G;L/]&B8MY4$
M*D%#<.JEI)2#@#TV+7T#\;_^".OPVO?A]J$WPTN]9T7Q?9V[S6:7EY]IM[V1
M02(I P!0L<*'4@+G)5NE>/\ ['_[9G@#]B_]C[1()-/N/%7CWQ5JMYJ::!I\
M@1RHD^S(\TI4^6I^SX4 ,Q.2%P2:Z:+_ (+'>-?"NNVK>.?@C-I&A7!^7;<S
MP7 4\[D,L060@=OESZB@#T[_ ())_M%>+?B;X U_P)XVDO;R^\,B&;3-1U .
M9KBSD+@QL[?>\IE !)SMD4=%K[_K@O@C\</"/[0WP]L?&7@K4?M^DW1,;I(N
MR>VF &^&9,G8ZY&1R""""003WM !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7G7[17Q.
MF^#/P*\=>-K:))KS1-)GNK6.091IPI$08?W=Y7/MFO1:XKXV?#6#XQ?"/QAX
M(N)OLR:]I=Q8+<$9\EW0A),=]K;6_"@#\MO^";?['^@?M82>+OC%\7Y+KQC_
M ,3=[.&RN[EP+JZV)+-/.RD,P'FQA5!"_>R","C]G?\ 87\$_M(_LG_%'4+?
M2_L'Q TGQ5JT&AZG:R.O$,,+Q6KIG:T;,Q'W=R[L@]CR?[*7[5'BG_@FUXT\
M3_"SXK>$-1?P_<WWVR2.T $]O-M$9N+?>52>*1$3^(?<!!Z@_1/_  2V_:6^
M&&@?#GQ9X9UOQKI.@:_JGC"^U.TL=6G%JTT$T< C*L^$+$JPVABV1TZ4 =K_
M ,$G[KXLZ'\*M;\&?$OPOXBT/3-'EBE\/7&O6,ELQ@DW^9 OF -M1E5ER.DN
M!P *X'_@JI^TEXRB\8>$_@!\/+FXL=6\2)!+J%Q8W!BGN/M$S00688$;59@6
M?GY@R#IN!_2G.>1R*X+Q#\ _ASXL\=6/C75_!6BW_BZQEAGM]:EM%^UQO"<Q
M,),;LJ0,9]!Z4 ?'/PU_X(T_";1O"-K#XTU;7/$7B-X@;JZLKH6MO'(1R(4"
MD[0>[DDXS@9P/F'XZ?#'Q?\ \$I?CQX6\7?#WQ'?ZKX%UV1F.GWDNW[0L3#S
M;.Z5<*_R2*4EV@@DD %<G]HJ_'W_ (*J?&)?VBOCIX*^"O@"/^WK_1+M[>X:
MT;>LVI7!1! ,<?NE7YFS@&1P<;#0!^MWA7Q%:>+_  QI&NV!+6.J6<-] 6ZF
M.1 Z_HPKYQ_:T_X*"?#C]EW3;W3S>P^*?'JKM@\-6$P+1.1D&YD (A4<'!^<
M@C"D<CWSX8^#5^'/PU\)^$TF^T)H.D6FEB8#&\00I%NQ[[,UX)I/_!.[X4'X
MV^)?BEXGL9?&7B+5]3DU**UU3!L+,L<J%@'$A'K(6'<** /RX_9[^)7C?XO?
M\%%/ASXM^(#7'_"0:IJ]O<B.>%H5BMWA+0+$A^[%Y;*5]00V3G)_>BOR*^*R
MA/\ @M5H:J JC4]*  Z#_B6Q5^NM 'YY?\%>/VGO$GPE\%^&?A]X1U";2;_Q
M4L\^HW]G*T=S':1E%6)&7E1*S,&(.=L97HQJ/X*_\$=?AI9_#NP?XD7>LZSX
MPO+=);QK*\^SP6<C $QQ*%RVW.TLY.[!.%Z5M?\ !5/]COQ-^T%X9T#QKX)A
M74-?\,0S176E;U22ZM7*ONB)P"\95CM)^8,<<@!N=^#/_!8SX?'P%96OQ.TG
M7=(\96,(@O?[/M%G@NY$ 4NF75D9B"2C#"GC<: /GG4K/Q-_P2H_;#T+2]*\
M1W>M?#3Q!Y-U/:W4A1+BSDD,3^<@^3SX2"RR*!D!>@9E'[/U^-UYI/BW_@K-
M^U)I_B33]!F\/?";PV8;">ZO)%WQVRN99%."0UQ+N(VKE4!3)(&YOV1H ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M#KGA7X'?#ZZN-/UGQ)%%<W]U87!BN)4EE:&"T5P1L#LK%N1D;1]TMG;^%?\
MP1I^%ND^#[-/'FJZWXA\3RQ!KN:QNQ:VT4A RL2A2Q"GC<Q.[K@9P/LKQ3\
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MEQ K7EQ8WOV>WMI2 66!0N6"G(W/G=UPN<#[TU;PSH^O2VTNIZ38ZC+;2++
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH _(#_@MY_R53X:?]@6X_\ 1XK] O#/[%_P(NO#>E32_"3PC)+)
M:1.[MI,1+,4!)/%?G[_P6\_Y*I\-/^P+<?\ H\5^M/A/_D5=&_Z\H?\ T6M
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M862*0!E4]1'&3P30!^S-?D3_ ,%P(;-?B%\+9HS_ ,3%M+O%EX_Y9B:,Q_\
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M%2?\%N+>2\^(_P )X(4,DTNG7B(HZEC-$ /SH _6V&%+>&.*)!''&H5548
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M9WN_V9OV;]"\+:LD:>([N635=76)MRK<RX&S/<I&D49(X)0D<8KX&_X)G_\
M*1?XL_\ 7EK?_IR@H _7^OR*^ ZA?^"S7BP 8_XF>M'_ ,E9*_76OR+^!/\
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MVFZOJ,-M<V#C[Z2J[ @ YP_W6'()% 'R3_P6[O8H_A+\-[0M^_EUN>55]52
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %<O\0/A?X0^*^C#2?&7AG2O$^G*=R6^J6B3K&W]Y
M-P)5O=<&N#_;"^'6N?%;]F?Q_P"&O#5Q<V_B&XT_S[#[)*T<LDT+K,L2LI!S
M(8_+ZX^?GBO@O_@D[^V%X:\#>'=:^$?Q"UJ'PY?+J4E_I-[K$ODQ2-( )K9Y
M'(".'7< V-QD8=0 0#SK]G7_ ()U^&/VI?AC\4M2T[5[KPQXLT/QCJ&E:4P(
MDL6@CCB:.*6/&X#+D;U;(!Y#8 KU;_@DG^T)XJTOQQXH_9_\:2W$YTB.>XTP
M74AD>QE@E6*XM <GY.=R@<*4?^\*V_V%?VCOA_\ L^_!#XV>(/&'B.QL47Q]
MJ<]K8B=6N[\^3!M2"+.YRQXR!@=20 2.#_X).^"]>^*W[2WQ+^.NI6'V?2)C
M?(LK$D-J%Y<).Z(<?,$CW[CQ_K$]: /UHK\VOVVO^"D5W-K$OP?^ )FU_P 8
M7\O]GW.OZ6IF\F1CM,%EMSYDO4&0<)_#EN4SO^"LG[:FI>#9/^%*>"+]['4K
MRV6;Q'J,$FV2*&1<I:*W52ZD.YX^1D&<,PJ3]A6[_96_95\)VNL:K\3_  OJ
M_P 3;Z &_P!59V<608<VUL=ORJ.C..7.2?EPH /4O^"?G_!/>#]G.%?'OCSR
MM6^*-]&Q4;_-CTA''SHC?QS,"0\GH2J\%F?[@KY__P"&_/V>?^BL>'_^_K__
M !-==\4X[OXV?LZ>(V^&_B*>WU#7=#DG\/ZUI-V]LYF*;[=TF4AD5F"@G(X8
MT >@>)?#FF^,/#NIZ%K-HE_I&IVTEG>6DA(6:&12KHV"#@J2#]:^8/C)_P $
MR_@;\3O!=WIFC^$+/P5KBP%;#6-%#0M#*%PAD3.V5<XW!AN(SA@>:^9/^":'
M[:W_  A^I^*_A1\;O%-]I_B :F]Q8ZGXLO79EG $<]G++*?W;!H]RAB 2SC@
MX#?;7QT_;,^%/P'\$WVNZKXNTG4KR.)C9Z-IM['<7=Y+@[$5$)*@D8+L J]S
M0!\,?\$F?CEXM\)?%SQ5^S_XKO9;VPT^.Z?3X99"XL+JVEV3PQD\^6X+-MZ
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M/;R1F3 P!OS@ 5TWP>_9T^&OP!L9K7P!X/T[PV)U"37$"M)<3*#D+)/(6D<
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MC]HCX?W'@SQ>MY)H=Q/%<2QV5P8'9HVW*"P'3.#CV%?-?_#H;]GG_H'>(/\
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MM#\ >&[#P_X;TJTT31;&,16UC91".*-1Z =R>2>I)).2:^;_ (K?\$U?@O\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!Q_Q6^$7@_P"-
MW@^Y\+>-]!M?$&B3D.;>X!#1N 0)(W4AHW&3AE(/)YY-?E9^UM_P37\!_";X
MG?!W3/"%_P")3I/CCQ1#HNHQ7$D=Q]@A>6%#)$XB!&!(W^LW=.37[!T4 ?.?
M[./[ OPB_9AU1M8\,Z5=:KXB*>6NM:],MS<Q+C!\K"*D9.3DJH)'&<<5Z?\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M2W3_ /P-N_\ X]1_P[=_9M_Z);I__@;=_P#QZ@#N_P!G7]I_P-^U%X?U76O
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M1PNRDD A68$C((S[5LT %%5=2U2RT6QEO=0NX+"SB ,EQ<RK'&F2 ,LQ ')
M_&H]'UW3?$5G]KTK4+74[3<4\^SG65-PZC<I(S0!>HHKQ3]L+]HRU_9<^!.N
M>-I($N]3!6QTFTD.%FO) ?+#>JJ%9V Y*QMB@#;^-G[37PR_9WT]+GQ]XML=
M$FEC,D%ADRWEPHXS' @+L,C&[&T'J17S))_P62^ J:FMJ++QA) 20;U=+A\H
M<XR09]_O]VOF?]B+]B.^_;5OM3^-GQQUG5-;TB^NY([6U-PT<VJ2(V'=Y!S'
M;J<QJD94Y4@% @#?HC!^PW\ +?2SIZ?"/PJ8",;Y-/5YN_\ RU.7[G^+T]!@
M T_@3^UI\*_VD+9CX%\5VNH7\:[YM)N ;>^B ZDPN Q4?WERO/6O7Z_'/]OC
M]C0_L7:]X<^-'P6OK_0-)AU!(9+6.=Y9-*NB&:-XW;):!P&0K(3@D*2PDPOZ
M9?LI_&QOVA/@'X1\<7%J;+4K^U":A;^4T:I=1DI*4!_@9E++R?E9><T >M45
M'<7$5G;RSSRI!!$I>221@JHH&223P !WKSN7]I3X10:H--D^*G@F/42VP6;>
M(K,3;O39YF<^V* /2**CM[B*\MXYX)4FAD4.DD;!E92,@@CJ#576-=TWP[9_
M:]5U"UTRTW!//O)UB3<>@W,0,T 7J*P]6\<^&]!\.?\ "0ZGX@TO3M VA_[5
MN[V.*UVGH?-9@N/?-8G@_P".7PX^(>H&P\*_$#PMXFOE&XVNCZU;7<H'KMC<
MGL?RH [>LC7O%VB>%[C3(-7U:STV?5+I;*QANIE1[J=ND<:DY=N^!G@$]*T;
MN[@T^UFNKJ:.VMH4:26:9@J1H!DLQ/   ))-?D/\>/'EEJ__  5V\%7I\107
MOA^PU#21!<&^62TMT\A&<*V[:@WEB<8Y))YH _7ZBLO2_%&C:YIT^H:=J]CJ
M%A 666ZM;E)(HRH#,&920, @G/8BJ8^(/A9M#OM:'B71SH]B-UWJ'V^+[/;C
M&<R2;MJ=>Y% '05X5\$_VSOAM\?_ (D:_P"!_"5SJ4VO:'#-/>)=V30QA8IE
MA?:Q//SNOX5Z=X)^*'@WXEPSS>$/%NA>*HK<@32:)J4-XL9/0,8V;'0]?2O&
MOV?OV8?@O\'OBMXE\5_#_4OM?BO58)XM1A_MA;O:CSI+(?+!RO[Q5&>W3O0!
MK_'S]L[X;?LV^+M"\-^-+G4H-3UJ$3VBV=DTZ%3(8_F8'CYA7NM?D7_P6,_Y
M.2^$?_8,7_TL:OU'\;?%[P)\-)((_%_C7P[X5>X&85UO58+,R?[HE=<_A0!U
MM%8OA/QMX>\>:4NJ>&=>TSQ%IK'"WFDWD=U"3Z!XV(_6M:>>.UADFFD6*&-2
M[R2,%55 R22>@ H DHK+T/Q5HOBA9FT;5[#5EA($K6-RDP0G. VTG&<'KZ5J
M4 %4=<US3O#.D7>JZO?VVEZ99QF:XO+R98H84'5G=B H'J3570_&&@^)Y)8]
M&UO3=6>$!I%L;N.8H#T)"DX_&OS0_P""UWCBUU#PG\.=%TKQ!#<JFHW_ /:.
MG6=Z& D180GG1JWWE)<#<,@EO>@#]/=+U*UUK3;34+&=+JRNX4G@GC.5DC90
MRL#Z$$'\:\4T/]L[X;>(/VAKCX+6=SJ3>.()IX'A>R86^Z*%IG_>9Q]Q3^-=
M1^S[XPT'7/A1X'T_3M;TW4+^#P]8M+:VMW')+&%@C5BRJ21@D Y[D5P'A[]F
M'X+Z-^U!=?%'3]2W_%":>XEDM?[85\/) T<@^SYR/W;,<=NM 'T9117'>,/C
M-\/_ (>7/V?Q5XY\-^&;CC]UK&KV]H_(R.)'!Y!'YT =C16!X/\ B!X7^(5@
MU]X5\2:1XELE.#<Z/?17<8/H6C8BM^@ HK)T?Q9H?B*XN(-*UG3]3GM_]='9
MW4<K1\X^8*21R#U]*X_4/VD/A)I.L2:1??%+P79ZM'((GL;CQ#:1SJYZ*8S)
MN!]L4 >C45%:W4-];17%M-'<6\JAXY8F#(ZGD$$<$'UJ6@ HHHH **** "BB
MB@ HHHH **^1?^&_/^I$_P#*Q_\ :*/^&_/^I$_\K'_VB@#ZZHKY%_X;\_ZD
M3_RL?_:*^B_A-X__ .%H?#_2O$_V#^S/MWF_Z+YWF[-DKQ_>VKG.S/0=: .O
MJ*ZNH;&UFN;F:.WMH4:26:5@J(H&2S$\  #))J6OR/\ ^"AW[1'C+]I+]H.R
M_9N^&%Q<#3XKU=,U&.WD*+J-\3F192.?(@ .X'C*2,0=JD 'U]\2O^"HG[/G
MPVU*2P_X2R;Q3=Q_?7PW:F[B'..)B5B;U^5ST^E<=X9_X+%? '7KV."^7Q5X
M<B9]IN=3TI'C0?WB+>65L?12>.E;WP'_ ."6GP4^$V@VH\1:%'\0O$AC'VK4
MM;!> N1\PBML^6JYZ;@S?[5>@>//^"?W[/WQ T>:PNOACH>D%TVI=Z#;C3YX
MCC 96AV@D8!PP()Z@Y- 'K_P\^)GA3XL^&8/$'@[7[#Q'HTW"W>GS"10W=6'
M5&'=6 ([BNFK\6?#MOXG_P""7/[<6F^'?[7N=2^'?B&2W$S2<+>:=-(8UE=!
MQY]N^_D $[#C"R8K]H+N[@T^UFNKJ:.VMH4:26:9@J1H!DLQ/   ))- $U%<
M]-\1/"EOX<O/$$OB?1HM!LR1=:H]_$+6 @ D/+NVK]Y>I[CUIO@OXD>$?B19
MRW?A'Q3HOBFTB;;)/HNH0WD:-Z%HV8 T ='16=KWB32?"NFR:CK>J66CZ?']
M^[O[A((E^KN0!T]:X&R_:C^#.I7<5K9_%SP)=7,K;8X8?$MD[N?0*)<DT >G
MT4R&:.XACEB=98I%#)(A!5E(R"".HK-USQ7HGA=83K.L:?I FR(C?720^9C&
M=NXC.,CIZB@#5HKG/&GQ(\)?#>RBO/%OBG1?"UI*VR.XUK4(;.-V] TC*":B
M\%?%/P7\2HYG\(^+]!\5)#_K6T74X+P)_O&-FQ^- '45DS^+-%MO$UKX=EU6
MS37[JW>[ATPS+]HDA0@/*(\[M@+ ;L8R0*LZOK6G^'[)KS5+^UTVT4A6N+R9
M8HP3P 68@<U^1_[%/CZS?_@IY\6]:UWQ' UI(==A@U'4;X&-HQ?1B)%D=L%0
MB@* <;0,<"@#]?:*K:=J5IK%E%>6%U#>VDPW1W%O()(W'3(8'!_"N1\7?'+X
M<?#_ %!K'Q1\0/"WAN]7&;;5]:MK609&1E9'!Y'- ';T5S_@_P"(/A;XA6+7
MOA7Q+H_B6S7@W&CW\5W&/JT;$5T% !1110 4444 %%%% !1110 45A:YXF_L
M6[2#[-YVY ^[S-O<C'0^E9W_  GW_3C_ .1O_L: .NHKD?\ A/O^G'_R-_\
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MPRKHRDAE((((J[7PK_P1QUW7=8_9/O+?5FFDL-.\175KI;S,3BW\J"1D7/\
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M0EQ:2K+&V"0<,I(.""/PH N453U;6+#0;&2]U.]M].LX\![B[E6*-<D 99B
M,D@?C46B>(])\36SW&CZI9ZK;H_EM-8W"3(K8!VDJ2 <$''N* -&N*^,WQ>\
M/? ;X:ZQXZ\5R7$.@:5Y/VE[6$RR#S9DA3"CK\\B_AFNUKY5_P""H_\ R8G\
M3?\ N&?^G2TH Y3_ (>\_L\_]!'Q!_X)W_QJ]IG_  5H_9QOVQ/XEU73AN"Y
MNM%N",'^+]VK<#\_:OGK_@F+^R#\'_CE^S?<^(_'/@FU\0:TNO75HMW-<3QL
M(ECA*KA)%'!9NW>OJ76O^"87[-6M6[(?APEC)MVK-9:M>Q,OOCSMI/\ O T
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MMI\_PH\/P0F,Q^99PM;3 $8SYL;*^??.:_,GQWX&US_@FC^W1H$O@V]U&_\
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M'QH^'WP]NC;>*?'?AGPU<\?N=8UBWM'Y&1Q(X/(H [*BL'PCX]\,_$'3S?\
MA;Q%I/B6Q4@&ZTB^BNH@3T&Z-B.U;U !165H_BO1/$4UQ#I6L:?J<UOQ-'9W
M22M%DD?,%)QR#U]#7'7G[27PDT[6'TB[^*7@NUU5)!$UC-XAM$G5ST4H9-P/
M(XQ0!Z-145M<PWEO%/;RI/!*H>.6-@RNI&001P01WJ6@ KP#XQ?MP?"_X%_%
M33/A[XINM3B\1ZC';RP1VMBTL16:1HX\N#Q\RG/I7O\ 7XU_\%.O^4A?@'_K
MRT;_ -+): /V4HHHH ***PO%GCSPSX"LUN_$WB+2?#MJV=L^K7T5JAQUPTC
M<9'YT ;M%<9X-^-/P]^(UX]IX3\=^&?%%T@RT&C:Q;W;@8SDK&['I79T %%-
MDD2&-I)&5$4%F9C@ #J2:\UU+]I[X.:/>RV=_P#%GP-8W<)VR6]SXDLXY$/H
M5,H(/UH ],HK*\-^*]$\9:7'J?A_6-/UW39.$O--NDN(6XSPZ$@]1W[U<U'4
MK31[*6\O[J&RM(1NDN+B01QH.F2Q.!^- %FBL@>+]!;09-<&MZ<=%C!9]2^U
MQ_9E ."3)G:,'CK7+>&?VA/A9XTU:+2_#WQ+\'Z]J<O$=GIFO6MQ,_;A$D)/
MY4 >@4453U;6+#0--N-1U.]M]-T^W7?-=7<JQ11+ZL[$ #W)H N45YM8_M+?
M"#4M373;/XJ^";O46<QK:0>(K-Y2PZJ$$F<^V*]'1UD565@RL,AE.01ZT .H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M/*5P<OO"@J>& S0!N7'_  1J^!<F@FSBU'Q;%?[,+J1U&)I-VW )3R=A&><
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MP/\ @AS_ ,BK\6_^OW3?_1=Q7Z>2R+#&\CG:B LQ] * /R._X(??\C]\4_\
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M% 'Y&4444 %?HM^R;_R;_P"%?^WK_P!*YJ_.FOT6_9-_Y-_\*_\ ;U_Z5S4
M>GZ[JT6@Z'J&IS\065O)<R9./E12Q_05^0'_  1UT9OB!^TUX^\=:VQOM7M-
M*EG^T2=?M-W< R2?[Q"R#_@9K]@]5TZ+6-+O+"<9@NH7@D'^RRE3^AK\;_\
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M@AC9<J"1NWY!8*!])?\ !,O_ ),<^&'_ %QOO_2^YKAOVU_^"DNF_LU^*4\
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M9K$><UG?:=<D-)9W*!2T98<,,,K!AC(8< Y  /7**** "BBB@ HHHH ****
M/$_VD_\ F7?^WG_VE7B=>V?M)_\ ,N_]O/\ [2KQ.@ KU']G?_D=;W_L'O\
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M),UH+EY&4G#RL2(HRW )4@?,=WVC_P $R_\ DQSX8?\ 7&^_]+[FO-OV[/\
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MSXF_]PS_ --=I7[_ %?@#_P5'_Y/L^)O_<,_]-=I0!\JT444 ?M3_P $5/\
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MLE:I>_M.?#*WE&8IM"AC8>QO9@:_8-5"J !@#@ 4 ?C9_P %2O!.G_#7XK?
M+PGI*E=,T/PY:Z=;YZE(KG8"?<[<GW)K]#OV^O@C_P +[_9:\9:%;P>?K.GP
M?VSI0"Y;[3;@N$7_ &G3S(A_UTKX1_X+&?\ )R7PC_[!B_\ I8U?KI0!^?\
M_P $;_C1_P )M\ =7\!WEQYFH^#[\^0K'G[%<EI$Z]<2B<>P*#TKW+_@H1\:
M_P#A1?[*GC+5K>X^SZSJL/\ 8FF$'#>?< H64_WDB$L@]XZ^%_A/;_\ #$?_
M  52U'PD1]A\'^-)FM+1>D?V>]82VH4?[%PHASZ*WX[7_!4SQ-J/Q\_:=^%W
M[/\ X=F+2130O>!.52ZNV 5G'_3* >9G^[*U 'MO_!(?X*CX9_LUW?C:_MFC
MU3QE=&\!"$R?8H-T<"[0"3EO.<8ZB1>*^;/#_P !_BO_ ,%&OVH/$E[\6HO%
MG@'P%HY:>WTV_LI;1[>W9V6"VMTF0()"H)>0J3\IR.0!^L_AO0-)^'7@O3-%
ML1'I^AZ'81VD(=@JPP0QA5R>@ 5>3[5^='Q(_P""J'COXC_$RZ\#?LW?#R/Q
M=)!(ZKJU[;S7372+PTT<$;)Y4><8>1CD$952<4 =SXM_X(S_  7U3P[/;:#J
M_B;0]8$1$%_->1W*;^S21%!N';"E/K7BG_!)/XE^*OA_\>O'OP*U^^FO-,LX
MKJ2&W:5GCL[RUN!%*(@?NJX9B>F3&IQR:Z^U\&_\%$_C"##JOB;2_AMILV,Y
MELH'4=RK6R2S ^Q8=OK7BG_!-#0]2\,_\%$O%VCZSJ;ZWK&GP:U:7NIR.SM=
MSQW"I),68[B78%LGDYYH ],_X*]?LM^#?"OAJZ^-5E+JA\8:_K]G87<<MPK6
M@C%G(OR1[ 0<6\?.X]_7CU'_ ()T_L._#K0?!GPK^.=M/K9\:R:=+=&.2[0V
M>^:*6!_W?EYQLD;'S=<5>_X+/?\ )J&B?]C;9_\ I+=U[K^P'_R9M\)_^P,G
M_H;T ?&'_!1+]H3QU\;OV@-,_9B^%]Y)9Q3S0VFKR6\OE_;;B5!(8I''(@BC
M.YP.IWY!V"O2O"'_  1>^$.G^$HK/Q)XB\3ZQK[QC[1J=C<Q6L:OW\F(QOM7
M_?+G^0^(X;'XJ^(_^"E'Q&'PHU*TTWXBP^*->.G76H"%E6-9)T< 3HZ$^1N
MRO3IBOK?_A#?^"D?_0]^'_\ OQI'_P B4 >.6.H^-?\ @DW^U#I'AV[\0W'B
M'X/>)66>2.4':;8R;'E$?1+F'ACLX==N<;@%_8N.1)HUDC971@&5E.00>A!K
M\@OCE^Q3^VI^TG_8W_"Q]3\/>(CH_G?86\^RM3#YNSS.8(4W9\M/O9QCC&37
MZL?"_1M1\.?#/PEI.L%3JUAI%I:WA1]X\Y(463#=QN!Y[T =/7P!_P %J_\
MDUGPM_V.=K_Z0WU??]? '_!:O_DUGPM_V.=K_P"D-]0!XC^RG_P54^'WP#_9
M]\'> =8\)>)=0U+1;>6*:YL1;^2Y:>20%=TH/1P.1VKUC_A]I\+/^A%\8?\
M?-K_ /'J[[]@+]G7X4>,OV0/AOK.O_#'P;KFL7=I.UQJ&I:!:7%Q,1=3*"\C
MQEF(  Y/0"OH+_AD[X(?]$;^'_\ X2]C_P#&J /%OV9O^"EG@;]J'XI0>!M
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M"[X,:SXX^&6MZT;_ ,.6SZA?V.M3QS+<6L:EI7C9(T*2*H+<Y!"D<'FO<O\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M[QJ'6/@5\//$'CZU\;ZEX,T6^\7VKQ20:W/9HUW&T>/+*R$9!7 QZ4 =U7Y
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M""37US^T-_P4\\ :YX,O/!OP4GU#XA?$+Q)$VEZ;'8Z?<0QVTLR[ Y,J(S.
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M\IPQ('.V1C_#5_\ 9=_X*Q?#'Q5\.]*L/BIK4OA+QI8VZ6]W<W%I+-;:@RJ
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M'M0!^8/Q0\;?&7_@JQ\5M'@\->"([#0]#\V"U\LL;33DE*&1[J[90&<A$^4
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ML)!*E?+/'.&R,U^TF@Z#IWA;0[#1M'LH--TJP@2VM+.V0)%!$BA415' 4
M>U>>?%K]EWX4_':^@OO'?@?2_$.H01B&.]F1H[@1@DA/-C*L5!)(!.!D^IH
M^>OVMOB)XN^/W[&%G\4OV?/$VO:<()WOY%TQVM;JZL8FEAN%VCY@R.F_ .<(
MV,Y KB_V0?\ @J?\,]2^$>@Z'\5O$EUX>\9Z1:I97-_J$$]U'J?EKM6?SD5S
MO90"_F8)8D@G-?='P_\ AUX:^%/A6U\-^$=&MM!T*U9VAL;12(T+L68C)[L2
M?QKR[XB?L-_ CXJ:K<ZGXD^&>CW.HW1W3W5GYEE)*W=F:!T)8_WCR?6@#X _
MX*7_ +97PX_:8\'^&?AI\+XKCQOKC:S%=KJ5O82J(VV/&(( ZB1Y)&D7.U=N
M%QR2,?HA^Q[\+=4^"O[,WP^\&ZWQK&FZ<#>1[MWE32NTSQ9[[#(4XX^7CBK'
MPE_9,^$'P+OA?^"/ .DZ)J2J474-C7%TJD8(6:5GD (ZX;GO7K= !1110 44
M44 %%%% !1110!RGBK1+W4M0CEMH?,01!2=ZCG)/<^]8W_")ZK_SZ_\ D1/\
M:]$HH \[_P"$3U7_ )]?_(B?XUT7A'2;O2_M?VF+RO,V;?F!SC=GH?<5T5%
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MX?O=>_8O\3265O+<G3[ZRO9EB4L5B68*S$#L-^2>P!)X!KZ_BB2&-(XT6.-
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M >2_8X_X*J?#VY^&.C^&/B[JTWACQ5HULED=4FM99[;440;4DS$C&.3:!N#
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M'OP0T^6S\">$-*\,QS ":2QMP)I@.@DE.7?'^TQH _//_@AWJ\']C_%S2FG
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M@3*DBC_EC<IOR.S>8,C*5^E7[/OQS\/?M&?"G1/'7AJ7_0[^/$]JS R6=PH
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M^(WP>\#_ !>M;*V\;>%-)\4V]D[26T>JVJ3K"S !BH8<$@#\J .(\%^ -/\
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M#/;7$8DCE1AAE92,,""00>#0!^<7_!-']N3X;Z?\)?AO\%-2?4K+QJMS<:?
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M-M=%TVTT^Q@2ULK2%((((QA8XU4*J@>@  _"@"U1110 4444 %%%% !1110
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110!X;^V!^ROIO[7?PNM/!VI:W/X>-GJ<>J07]O;K.RR)%+'M*%ERI$S
M9Y'05YS^R#_P3@\"_LHZ])XH_M2Z\8^,3$T$.J7D"P16D;##^3""VUF'!9F8
MXX&T%L_7%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 5\W?MJ?L6Z9^V5X=\.V%[XEN/"]YH4T\UM=
MPVBW(;S50,K(77C]VIX8=*^D:* /F?\ 9!_8+\#?LAK?ZAI5U=>(_%FH1?9[
MC7+]%1EAW!O*AC7B-"54GEB2!S@ #Z8HHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
8@ HHHH **** "BBB@ HHHH **** /__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>21
<FILENAME>slm-20241231_g5.jpg
<TEXT>
begin 644 slm-20241231_g5.jpg
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M=I\9?"?[?O[/][^S]\2_@?X<C\1?$/PW?ZK#JEM?:2RA8K^PO(%47BLWEQ!
M,[YHD5I"3C\T_P#@I)XF\ ?M,?\ !-'XI_\ !2K]H;XN>#+CXP?%C7/"UKX
M^'=MXLL[J[\ ^"8M<M9[;3%A20NMS,!]KO&P/G8*53RV6@#]M?VZOVW?@Y_P
M3[_9[OOVA?C/%JEY:QW]OIFA^'] M/M&I:]JER^RVL+2(D>9-(P. 2 %5F)
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M_P O Z@&@#Z.HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M6SX'_P#8]R_^DS5[I7A?[6'_ "6SX'_]CW+_ .DS4 >Z4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MK<RV_P 2;CP)X.UFXO+;1O*8N+2]2V$$:MAA*ZN6\O.UAEJ^\_@C_P $ _\
M@D/\";\:]HG[%/AGQ)JYD\VXUGXA23^(YYY?^>K?VC),@;/.550#R #7UGX1
M\%^#OA_H4/A;P'X3TS1-,MQBWT[2+".V@B_W8XP%7IV% '\"U??_ /P;=?\
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MI/A#XB?!_0OB/=:#8Q".UM]8CN5L)YXHUPL;S^:TDA &]L$YP,8?B_XHV?\
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M/C?\:C]H_;P_X+%?M#_$<2<WFA>"]4M_!FBW6>JR65@K[E] '4CUKTOX$_\
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M^P9XHU2'Q)^UW\0/C+^T'JT4@E6]^,GQ6U"^19/58;9H(PO8(P8 <<U]^44
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%5-;U[
M0_#.ES:WXDUFTT^RMUW3WE]<+%%&OJSL0 /J:^=/C+_P62_X)6? 'S8_B=^W
MY\+[>X@SY]AI?BJ#4KN,CLUO9&64'V*Y- 'TM17Y_/\ \''7[&'CMS!^R3\
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M^*OQ5^(_QR^(^M?%[XO>--0\1>)_$6H27VMZWJEP99[N=SEG9C^0 P%
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M:@#[_HKX _X>]_M]^)!GX:?\$$?CO=!N8_\ A*?$&E:*2.O/FL^WCMZ\4?\
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M,ZAKES&A2"/9$H2"WA1F6*%<A [ $C  !]#T444 >7_%;PI^UGJ_BY[SX/\
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M< QQ7H_AOP)X'\')Y7A#P;I6E+C&W3=.B@&/^ **U:* "BBB@ HHHH ****
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M] 'WY17Y_P#_ !$,?!37./A3_P $[OVPO')/$9\*_ .YD5S]9IX\#'/TI?\
MA\M^V)XJ_P"24?\ !"']I6\W?ZK_ (2^'3]!SZ;O.E?;Q^72@#[_ **_/_\
MX;^_X+J>,/E\$?\ !!FQT.%_]5?^+_VD]%Z'H6MX(?,7'<9[X[&C_A:?_!S!
MXR_Y%O\ 96_9-\&;_N_\)?XXUO4?+S_>^P*,X[XZ]J /T K\X/\ @OA_P7P^
M''_!*OX<2?"'X0W.G^(OCGXBT\MHFB2$2P>'8'!"ZC?*#^,4!P92,G" D]!_
MPJ/_ (.6?&7_ ",G[7?[*W@S?][_ (1#P#J^H^7_ +OVYAGUY[U^#7_!=_\
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MUY^T5:_+??LE03@#F2U\=0*/R>$?SJ]9?MB_%!_^0C^RIJL7KY/BO3Y/YLM
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M'@B*7'_?UO\ .:/^&>?VI+W_ )#?[<>JR9Z_8/!5C;?^@L?;]?6@ _X*+_\
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MF\W^]N\F2+KWZ5[NX_;Q5L?\+"TH_3P/_P#;JB:;]O($C_A/M+X_ZD5O_CM
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MW]IW2_C?^U#X(T*[^&OV"YM;F_FM+\:OYIC_ .)=<AEV^2N0P]QR >V*^[*
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MAYG4;"Z*5ZL*^S** "BBB@#R#]H_X%:O\5_B-X(\866FK=0>%HM2D,32HO\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M_P ,R?LV_P#1O?@?_P ).S_^-T >6?\ #VK_ ()T_P#1TFB?^ =W_P#&:/\
MA[5_P3I_Z.DT3_P#N_\ XS7J?_#,G[-O_1O?@?\ \).S_P#C='_#,G[-O_1O
M?@?_ ,).S_\ C= 'EG_#VK_@G3_T=)HG_@'=_P#QFC_A[5_P3I_Z.DT3_P
M[O\ ^,UZG_PS)^S;_P!&]^!__"3L_P#XW1_PS)^S;_T;WX'_ /"3L_\ XW0!
MY9_P]J_X)T_]'2:)_P" =W_\9H_X>U?\$Z?^CI-$_P# .[_^,UZG_P ,R?LV
M_P#1O?@?_P ).S_^-T?\,R?LV_\ 1O?@?_PD[/\ ^-T >6?\/:O^"=/_ $=)
MHG_@'=__ !FC_A[5_P $Z?\ HZ31/_ .[_\ C->I_P##,G[-O_1O?@?_ ,).
MS_\ C='_  S)^S;_ -&]^!__  D[/_XW0!Y9_P /:O\ @G3_ -'2:)_X!W?_
M ,9H_P"'M7_!.G_HZ31/_ .[_P#C->I_\,R?LV_]&]^!_P#PD[/_ .-T?\,R
M?LV_]&]^!_\ PD[/_P"-T >6?\/:O^"=/_1TFB?^ =W_ /&:/^'M7_!.G_HZ
M31/_  #N_P#XS7J?_#,G[-O_ $;WX'_\).S_ /C='_#,G[-O_1O?@?\ \).S
M_P#C= 'EG_#VK_@G3_T=)HG_ (!W?_QFC_A[5_P3I_Z.DT3_ , [O_XS7J?_
M  S)^S;_ -&]^!__  D[/_XW1_PS)^S;_P!&]^!__"3L_P#XW0!Y9_P]J_X)
MT_\ 1TFB?^ =W_\ &:/^'M7_  3I_P"CI-$_\ [O_P",UZG_ ,,R?LV_]&]^
M!_\ PD[/_P"-T?\ #,G[-O\ T;WX'_\ "3L__C= 'EG_  ]J_P""=/\ T=)H
MG_@'=_\ QFC_ (>U?\$Z?^CI-$_\ [O_ .,UZG_PS)^S;_T;WX'_ /"3L_\
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M .-T >6?\/:O^"=/_1TFB?\ @'=__&:/^'M7_!.G_HZ31/\ P#N__C->I_\
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MH8]JL>Y R: -?_A[5_P3I_Z.DT3_ , [O_XS1_P]J_X)T_\ 1TFB?^ =W_\
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ML_X>U?\ !.G_ *.DT3_P#N__ (S1_P /:O\ @G3_ -'2:)_X!W?_ ,9KU/\
MX9D_9M_Z-[\#_P#A)V?_ ,;H_P"&9/V;?^C>_ __ (2=G_\ &Z /+/\ A[5_
MP3I_Z.DT3_P#N_\ XS1_P]J_X)T_]'2:)_X!W?\ \9KU/_AF3]FW_HWOP/\
M^$G9_P#QNC_AF3]FW_HWOP/_ .$G9_\ QN@#RS_A[5_P3I_Z.DT3_P  [O\
M^,T?\/:O^"=/_1TFB?\ @'=__&:]3_X9D_9M_P"C>_ __A)V?_QNC_AF3]FW
M_HWOP/\ ^$G9_P#QN@#RS_A[5_P3I_Z.DT3_ , [O_XS1_P]J_X)T_\ 1TFB
M?^ =W_\ &:]3_P"&9/V;?^C>_ __ (2=G_\ &Z/^&9/V;?\ HWOP/_X2=G_\
M;H \L_X>U?\ !.G_ *.DT3_P#N__ (S1_P /:O\ @G3_ -'2:)_X!W?_ ,9K
MU/\ X9D_9M_Z-[\#_P#A)V?_ ,;H_P"&9/V;?^C>_ __ (2=G_\ &Z /+/\
MA[5_P3I_Z.DT3_P#N_\ XS1_P]J_X)T_]'2:)_X!W?\ \9KU/_AF3]FW_HWO
MP/\ ^$G9_P#QNC_AF3]FW_HWOP/_ .$G9_\ QN@#RS_A[5_P3I_Z.DT3_P
M[O\ ^,T?\/:O^"=/_1TFB?\ @'=__&:]3_X9D_9M_P"C>_ __A)V?_QNC_AF
M3]FW_HWOP/\ ^$G9_P#QN@#RS_A[5_P3I_Z.DT3_ , [O_XS1_P]J_X)T_\
M1TFB?^ =W_\ &:]3_P"&9/V;?^C>_ __ (2=G_\ &Z/^&9/V;?\ HWOP/_X2
M=G_\;H \JC_X*W_\$YY5W+^U'HP&<?-87B_SAIW_  ]J_P""=/\ T=)HG_@'
M=_\ QFLC]A#X!? GQ%\'=4OO$'P5\)7TZ>-=7B2:\\-VLKK&MP0J M&2% X
MZ"O:O^&9/V;?^C>_ _\ X2=G_P#&Z /+/^'M7_!.G_HZ31/_  #N_P#XS1_P
M]J_X)T_]'2:)_P" =W_\9KU/_AF3]FW_ *-[\#_^$G9__&Z/^&9/V;?^C>_
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MM7_!.G_HZ31/_ .[_P#C-'_#VK_@G3_T=)HG_@'=_P#QFO4_^&9/V;?^C>_
M_P#X2=G_ /&Z/^&9/V;?^C>_ _\ X2=G_P#&Z /+/^'M7_!.G_HZ31/_  #N
M_P#XS1_P]J_X)T_]'2:)_P" =W_\9KU/_AF3]FW_ *-[\#_^$G9__&Z/^&9/
MV;?^C>_ _P#X2=G_ /&Z /+/^'M7_!.G_HZ31/\ P#N__C-'_#VK_@G3_P!'
M2:)_X!W?_P 9KU/_ (9D_9M_Z-[\#_\ A)V?_P ;H_X9D_9M_P"C>_ __A)V
M?_QN@#RS_A[5_P $Z?\ HZ31/_ .[_\ C-'_  ]J_P""=/\ T=)HG_@'=_\
MQFO4_P#AF3]FW_HWOP/_ .$G9_\ QNC_ (9D_9M_Z-[\#_\ A)V?_P ;H \L
M_P"'M7_!.G_HZ31/_ .[_P#C-'_#VK_@G3_T=)HG_@'=_P#QFO4_^&9/V;?^
MC>_ _P#X2=G_ /&Z/^&9/V;?^C>_ _\ X2=G_P#&Z /-]#_X*G?\$_O$FK0Z
M'HO[36B375PQ6&+[-=+N(!/5H@!P#U->]V%]::I8PZGI]PLMO<1++!*G1T8
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M6GQ636_%QT6X\3V=HL CL7DB^=8KJ0W,MQY9!W; "!D$ 7Q=\0[_ /X+I?\
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M&,[SZ381Q%8TM+8$1X4K&H0# 7H.*Y.']FO_ (*5?\$W?VI_C-\0?V _V?\
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M.Z?'8Z)HFEVXB@M($&%15'YDG)))))))H ^(?^(D#]A3_HCW[0'_ (9+5/\
MXFC_ (B0/V%/^B/?M ?^&2U3_P")K[^HH ^ ?^(D#]A3_HCW[0'_ (9+5/\
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MO'?_  <S_LH>#/B !/H/AOX/>)M?\)V=R-T+:TXNHYG53P9$AA@D!ZJ8D;J
M:^J_^"4?[./Q,_9$_P""=7PD_9J^,EK9P>*/!WA1+#6HM/NQ/"LPDD8A)  '
M&&'-<1_P53_X)U?$G]L,?#K]HC]E/XIV'@3X\?!/7IM6^&OB75K=I+"Y2=%C
MN],O@@9OLTZ(JLP5BH##:0[4 ?5_B'0-#\5Z!?>%O$VE07VFZE9RVNH6-U&'
MBN()$*21NIX964D$'J":_/#_ (*/>.]5^!OAG]E__@EW_P $S?%6E?"32?CU
MXUO=*MO%W@*V@ T#P]91B\U)].V?(ES*;C<LPYW&0Y#/O6G\4/$__!R-^T[\
M-K_]FF+]EWX*_!J?Q!9/IGB#XQVWQ&DU-+6VD4I//IUC&IFBF*%O+\TMM)'*
MG#KH_&?_ ((AZS\*OV-OV>OA_P#\$]?'6E:7\3_V6O$7]O\ @/5?&4+BQ\27
M%P2VJV]]Y.7A2]=BQ*9V8$8(4[U /._VV_@Y\6/^"'L?PV_;8_9T_;.^,WC3
MP@_Q(TCPW\7_ (>_%SQ]/XAM-:TV_E,3W]NUP-UK?(^T[X\!BRY 5623+\>_
M []I7_@H5_P6_P#VFOV1]5_;]^-'PX^$O@WPIX-UI=&^&GC62PN8]1DTQ!"E
ML\@D2T@9Y+F:=(T'GR) S',:D>C_ !F_9F_X*D_\%8?&WPW^&/[;?[/'@7X&
M?!SP'XXL/%7C+3]%^(@\2:IXTO+$EK>UA,5O%':6C.S%Q(3(/E(+%<5[=^S7
M^QQ\:OA?_P %=/VEOVR/%=CIR>"OBAX7\(6/A2>#4%>XDFTZR,-R)8@,Q@/]
MTD_,.: /E+P7^SG^T?\ M9?\%DOVA?V0?%O[>GQJTSX*?"[P+X!-]X?T'XAW
MEK?:K?2Z*J0_Z6K>9;1S%+N>Z\CRVN9?*:0G;5[P!^US\:O^"3G[0W[4G[&W
MQ!^,?BGXN>$?AK^SS+\9/A#=_$'5FO\ 5[.VB+6TVD75Z<27$1NC$(V;YDC!
MY.:YNR\5?MZ_#[_@X:_:V\?_ +$OPL\*?$6"Q\%>!HO&7PY\2^*CH<NJQ2:2
MGV:XL[XPRQQ30ND@*RJ4>.X?HP4U[U^SQ_P3 ^./[0?C_P#: _:I_P""F\?A
M[3?%_P ?/ARWP\L? W@?47O+?P;X4,3JUN+R1%^T7<DK+,SJNQ7C#*</L0 \
MW_9=_P""8G[3G[97[%'A;]M3XM?\%1?CYI7QW^)?@^V\7:'JOAGQ]-8>'O#D
ME[ MW9V,>D1 6[6J))$DT9&9/WF"N1CPOXT_\%'/VX/VT/\ @EY^Q5\3_AM\
M<=7^&WQ7^(?[3=C\//&6O>&+I[>"XNMVH:>]Q-!$RQW$3%8;IK=P8?,&-NU1
M7T5\&?!'_!P!^R+^S!I__!/7X7? CX0^-%\,:+_PCGP__:%OOB*]A!IVE1IY
M-G->Z,UL\\EQ!#L7$3E,Q*#YN"SKKG_!%/XD_!?]E3]BK]E[X ZS8^(U^ W[
M1NA^._B-K^IW0M&OHDGNKG4+F%&W%CYMP1'%DML5022"2 :?[27[&?CK]@;]
MBIOA]H/_  6.\>^"O!^N_$VSU#XF?%WXW_$?[7XAM-%:%5N-+T*Z,(2VN9Y$
M:5"%WAF?!:OD+2OVP_V8_@/^WG^S9=_\$N/^"DWQ]^*&E^._C+IW@WXJ:%\0
M==UW6?#=_97[^5YZ7&IVZ0_;58LR^2[-QN&T*P;[X_X+-_L)?M%_M4>)/@/^
MT'^S=X0\)^.=4^!GC^;7[WX4^.-0^R:;XJ@FCB3'G,CQQW$)BS$TB[%\UVR2
MH1_'OVK/V5_^"P'[?'Q@_9V^.OCOX!?#?X7>%?@G\;] \3/\*+#Q^-8U._MH
M)PUU>RWZV\-M&8HHQ'#;1JQ8W$K/(-B @'-_ []CS1[C_@YQ^,.I']H7XOH=
M'^&VC>,TAC^(]X([N6XU+S#I5PN<3:5'NVQV+?NHU"J.!7!^'?\ @I3^UO\
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M[$7[6]W^V?\ !R;XM7_[-'Q/^%$]OK<^FS>%?BUX:&E:IF-(W\]8/,<F%A(
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M@2L&*F()L!/F9^6@#V>BOS_U/_@X3^"+>$M6^//@/]BC]H3Q;\$]$NKF*_\
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M.^IZ/J,]I<Q:)IABN+:9HW0G6+$'#*01P2/QH ^W**^,_BA_P5._9R_X)U?
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MP?\ $3XF_#G3M9UOP!JLFI^#=2O$8R:3=N@1YHB",,5 '.>*\G_:C_X)*?\
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MIJXKX@_LZ? _XJ^,O!GQ!^(?PTTS5=9^'>H27W@C4+F([]&N)(Q&\D." I*
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M (6;N^"VC'_A<UOY'Q1_=-_Q4D?V9[7;<_-\P\B1X^,<,:V?^&>O@K_PS_\
M\,K_ /"N=._X5Y_PB7_"+_\ ")[#]D_L?[-]E^Q8SGR_(_=XSG;WH _*ZS_:
ML^,'A+]G_P#X)L?L7?LVZ!\--"^(_P 3_@AIT^@_&'XI>'AJ$7A*&U\.V?G1
MZ<F5+7MPI\H*' ;,:$'S0R<G^TCI'QJ^&'_!<']B7X7?M._\%+4^.GCF#Q?K
MEY>>';+P-I>@6WA6VET]4B;[/9EY URP< S2LQ6WR !U_43XT?\ !.3]AO\
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M;PU\---L_'GBW3;;3_$GBB&-A=:A:VZJL$4AS@J@50, =*D^!'[/7P5_9B\
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M^C^++;2GC.FQ0S2KNN(V1LQ2N_++@1$<D@5Y1XY_X+L_M"_LQ:9%\1OV^?\
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MQ/(_L[4FO8+>:Z^S7TD*^:RAY$,AR!L5.Z\1_P#!.7]K7PU_P3)U?]O73_\
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M'C^,>B_ =O&?AJ;1_B+-:Z/;1V&F&XMK6:S4?Z4\T$""YN)F>6:6621B<[:
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M=]_:!GUIYT!DBAN6DN93"-S*HN8L-N H _4VBOY[_P!KW]L?]CO]E+PIX?\
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M? CPO\%KSXH>*O&USX?TJ.VO?%WC;7;C4M4U>XY:6YN)[AW<L[EF"[MJ*0B
M*J@=S0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MUB:#<C")%1T5I6RB!I&?]EJ* /A7XW_L;?MA_M ?\%!OV)/VRO&GA3PMI_\
MPJ/0?$[_ !>M-)UQGAL=0U/2(H%CLA(H>XB%P'&3@A0"<]3]U444 %?+GB+_
M ((F_P#!)GQ9K]]XI\2?L ?#2]U'4[R6[O[RX\/HTD\\CEWD8YY9F))/J:^H
MZ* /SI_X) ?\$3_!/[+?_!+_ %+]F+]I[X-^&M,^)'Q$\+:]X;^*FO\ AR=)
M[C4M.N[N]%NAN0,.8[6>,+Q\A4>E<!H_[./_  7C\"_L1/\ \$C?#?PO^%>H
M>'XO#DG@K2/VEIO';P_9?"S1FV3?HOD&?[='9MY2LDFQ65>6QYA_56B@#X+_
M &KO^"27C'2_V4?V>/#?[!7BK2-.^)G[*&HV%_\ #2Y\7*ZV6O1Q6ZV]_97K
M1 M$+U5WNZ#AQC*ABZX^B?LS?\%%O^"A?[:'PB^/W_!0#X#>#_@Y\.O@-JD_
MB#P]X#T+QVOB._\ $OB5HO*M[V:XBABB@MK?F1$QYF[*G>'W)^AE% !7QQ_P
M1R_8I^.7[%6@?M!:=\<K#38)/B-^TOXF\;>&AINHK<!])ODM1 TF /+D)B?*
M'D<>M?8]% 'P+^UO_P $\OVC_AU_P5"^'W_!4G_@GKIFD2:KJL0\-_M!^";_
M %5;&'Q1H>%"7B,PVF[A5% W$;F@MOX5DW9>J?LK?\%%O^">'[:GQ<_:1_8
M^#?@[XR_#CXZ:O%XA\4_#37_ !L/#FIZ%XA6,I-=VMW+#+!+!.27=6&_.U0%
M";G_ $.HH ^!=,_9I_:B^*W[)O[2?B__ (+2_'G0_#OA/XG^&IX8O 7A:^%Q
MH_PRT6"U=3=+=O$K3W08)<2.<Q!H-PX=E7YL^-\W_!8SX?\ _!&_QC\'-?\
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MRQNT3-B-MP8_<V2?H!10!^='[-'["_[6_P <O^"IGAS_ (*>?M/_ ++?P\^
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$H __V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>23
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506993808">
<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, 2024</div></th>
<th class="th"><div>Jan. 31, 2025</div></th>
<th class="th"><div>Jun. 28, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">10-K<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentAnnualReport', window );">Document Annual Report</a></td>
<td class="text">true<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec. 31,  2024<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentTransitionReport', window );">Document Transition Report</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-13251<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">SLM Corp<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">52-2013874<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Newark,<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">DE<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">19713<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">302<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">451-0200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityWellKnownSeasonedIssuer', window );">Entity Well-known Seasoned Issuer</a></td>
<td class="text">Yes<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityVoluntaryFilers', window );">Entity Voluntary Filers</a></td>
<td class="text">No<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCurrentReportingStatus', window );">Entity Current Reporting Status</a></td>
<td class="text">Yes<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityInteractiveDataCurrent', window );">Entity Interactive Data Current</a></td>
<td class="text">Yes<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_dei_EntitySmallBusiness', window );">Entity Small Business</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_IcfrAuditorAttestationFlag', window );">ICFR Auditor Attestation Flag</a></td>
<td class="text">true<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFinStmtErrorCorrectionFlag', window );">Document Financial Statement Error Correction [Flag]</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityPublicFloat', window );">Entity Public Float</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 4.5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">210,423,462<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentsIncorporatedByReferenceTextBlock', window );">Documents Incorporated by Reference</a></td>
<td class="text">Portions of the definitive proxy statement on Schedule 14A relating to the Registrant&#8217;s 2025 Annual Meeting of Stockholders are incorporated by reference into Parts II and III of this Annual Report on Form 10-K.<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AuditorName', window );">Auditor Name</a></td>
<td class="text">KPMG LLP<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AuditorLocation', window );">Auditor Location</a></td>
<td class="text">McLean, Virginia<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AuditorFirmId', window );">Auditor Firm ID</a></td>
<td class="text">185<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
<td class="text">2024<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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>
</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="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=slm_CommonStockParValue20PerShareMember', window );">Common stock, par value $.20 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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="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="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember', window );">Floating Rate Non-Cumulative Preferred Stock, Series B, par value $.20 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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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_AuditorFirmId">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>PCAOB issued Audit Firm Identifier</p></div>
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ 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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ 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>
</tr>
<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>
</table></div>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ 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>
</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: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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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_DocumentFinStmtErrorCorrectionFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates whether any of the financial statement period in the filing include a restatement due to error correction.</p></div>
<a href="javascript:void(0);" onclick="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-K<br> -Number 229<br> -Section 402<br> -Subsection w<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 3: 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 4: 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="Show.toggleNext( this );">+ 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_DocumentFinStmtErrorCorrectionFlag</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Documents incorporated by reference.</p></div>
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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=slm_CommonStockParValue20PerShareMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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=slm_CommonStockParValue20PerShareMember</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=slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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=slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember</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>24
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692501206848">
<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, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>PCAOB issued Audit Firm Identifier</p></div>
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ 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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ 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>
</tr>
<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>
</table></div>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ 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>
</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: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>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AuditInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Audit Information [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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>
</tr>
<tr>
<td 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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>25
<FILENAME>R3.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506563136">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">$ 4,700,366<span></span>
</td>
<td class="nump">$ 4,149,838<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments at fair value (cost of $41,715 and $43,412, respectively)</a></td>
<td class="nump">53,262<span></span>
</td>
<td class="nump">54,481<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">1,933,226<span></span>
</td>
<td class="nump">2,411,622<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherInvestments', window );">Other investments</a></td>
<td class="nump">112,377<span></span>
</td>
<td class="nump">91,567<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Investments', window );">Total investments</a></td>
<td class="nump">2,098,865<span></span>
</td>
<td class="nump">2,557,670<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment (net of allowance for losses of $1,435,920 and $1,339,772, respectively)</a></td>
<td class="nump">20,902,158<span></span>
</td>
<td class="nump">20,306,357<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestments', window );">Restricted cash</a></td>
<td class="nump">173,894<span></span>
</td>
<td class="nump">149,669<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherInterestEarningAssets', window );">Other interest-earning assets</a></td>
<td class="nump">4,880<span></span>
</td>
<td class="nump">9,229<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestReceivable', window );">Accrued interest receivable</a></td>
<td class="nump">1,546,590<span></span>
</td>
<td class="nump">1,379,904<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
<td class="nump">119,354<span></span>
</td>
<td class="nump">129,501<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IntangibleAssetsNetIncludingGoodwill', window );">Goodwill and acquired intangible assets, net</a></td>
<td class="nump">63,532<span></span>
</td>
<td class="nump">68,711<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxReceivable', window );">Income taxes receivable, net</a></td>
<td class="nump">425,625<span></span>
</td>
<td class="nump">366,247<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">36,846<span></span>
</td>
<td class="nump">52,342<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">30,072,110<span></span>
</td>
<td class="nump">29,169,468<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Deposits', window );">Deposits</a></td>
<td class="nump">21,068,568<span></span>
</td>
<td class="nump">21,653,188<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term borrowings</a></td>
<td class="nump">6,440,345<span></span>
</td>
<td class="nump">5,227,512<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">403,277<span></span>
</td>
<td class="nump">407,971<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">27,912,190<span></span>
</td>
<td class="nump">27,288,671<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Equity</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="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>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 440.6 million and 438.2 million shares issued, respectively</a></td>
<td class="nump">88,121<span></span>
</td>
<td class="nump">87,647<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
<td class="nump">1,193,753<span></span>
</td>
<td class="nump">1,148,689<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss (net of tax benefit of $(21,209) and $(24,176), respectively)</a></td>
<td class="num">(65,861)<span></span>
</td>
<td class="num">(75,104)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">4,114,446<span></span>
</td>
<td class="nump">3,624,859<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock', window );">Total SLM Corporation stockholders&#8217; equity before treasury stock</a></td>
<td class="nump">5,581,529<span></span>
</td>
<td class="nump">5,037,161<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockCommonValue', window );">Less: Common stock held in treasury at cost: 230.2 million and 217.9 million shares, respectively</a></td>
<td class="num">(3,421,609)<span></span>
</td>
<td class="num">(3,156,364)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Total equity</a></td>
<td class="nump">2,159,920<span></span>
</td>
<td class="nump">1,880,797<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and equity</a></td>
<td class="nump">$ 30,072,110<span></span>
</td>
<td class="nump">$ 29,169,468<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Stockholders' Equity Attributable to Parent, Excluding Treasury Stock</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax, of accumulated increase (decrease) in equity from transaction and other event and circumstance from nonowner source.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-14A<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-14<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of asset recognized for present right to economic benefit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 48<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-48<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 49<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-49<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 270<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482964/270-10-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (ee)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-3<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-25<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 12: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 13: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-12<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(8))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 19: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481404/852-10-50-7<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30<br><br>Reference 30: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483467/210-10-45-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, after allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(3)(a)(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_IntangibleAssetsNetIncludingGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after impairment and amortization, of goodwill, indefinite-lived, and finite-lived intangible assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480265/350-10-S45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IntangibleAssetsNetIncludingGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 310<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477802/946-310-45-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(3)(a)(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 944<br> -SubTopic 80<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480078/944-80-55-14<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 944<br> -SubTopic 80<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480078/944-80-55-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(1)(h))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(1)(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of liability recognized for present obligation requiring transfer or otherwise providing economic benefit to others.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(24))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(21))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-3<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-25<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-3<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 15: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-12<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(14))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481404/852-10-50-7<br><br>Reference 28: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481404/852-10-50-7<br><br>Reference 29: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_LiabilitiesAndStockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 49<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-49<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-12<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest earning assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investments classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(3)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-12<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(12)(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(12)(b)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(12)(b)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_PreferredStockValueOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of nonredeemable preferred shares and preferred shares redeemable solely at option of issuer, held by shareholders. Excludes preferred shares repurchased and held as treasury shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 360<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482099/360-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478964/842-20-50-7A<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 360<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478451/942-360-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 954<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477220/954-210-45-4<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 954<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478600/954-210-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated undistributed earnings (deficit).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480990/946-20-50-11<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_StockholdersEquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquityAbstract</td>
</tr>
<tr>
<td style="padding-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_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of equity (deficit) attributable to parent and noncontrolling interest. Excludes temporary equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (d)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (d)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 8: 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> -Subparagraph (a)(3)(iii)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483550/848-10-65-2<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 8<br> -Subparagraph (c)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479832/842-10-65-8<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483421/250-10-45-24<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 23<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483421/250-10-45-23<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483421/250-10-45-5<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 5<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479654/326-10-65-5<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (h)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (h)(1)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (h)(1)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (h)(1)(iv)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (i)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 105<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479343/105-10-65-6<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 105<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479343/105-10-65-6<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (f)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (f)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 8<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482615/740-10-65-8<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 8<br> -Subparagraph (d)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482615/740-10-65-8<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 4<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479654/326-10-65-4<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-1<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-7<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-5<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481674/830-30-50-1<br><br>Reference 32: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-17<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-20<br><br>Reference 34: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-11<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 205<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478009/946-205-45-3<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478448/946-505-50-3<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 38: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.6-05(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-2<br><br>Reference 39: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 40: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 41: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 42: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br><br>Reference 43: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 44: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 45: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 46: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-15<br><br>Reference 47: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-16<br><br>Reference 48: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 55<br> -Paragraph 4I<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4I<br><br>Reference 49: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476166/350-60-65-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483467/210-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_TreasuryStockCommonValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount allocated to previously issued common shares repurchased by the issuing entity and held in treasury.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481520/505-30-50-4<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockCommonValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>26
<FILENAME>R4.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692494612208">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)<br> $ in Thousands, shares in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementOfFinancialPositionAbstract', window );"><strong>Statement of Financial Position [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="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebtAmortizedCost', window );">Trading investments, cost</a></td>
<td class="nump">$ 41,715<span></span>
</td>
<td class="nump">$ 43,412<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Available-for sale investments at fair value, cost</a></td>
<td class="nump">2,042,473<span></span>
</td>
<td class="nump">2,563,984<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses</a></td>
<td class="nump">$ 1,435,920<span></span>
</td>
<td class="nump">$ 1,339,772<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par or 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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized (in shares)</a></td>
<td class="nump">20.0<span></span>
</td>
<td class="nump">20.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares issued (in shares)</a></td>
<td class="nump">2.5<span></span>
</td>
<td class="nump">2.5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">1,125.0<span></span>
</td>
<td class="nump">1,125.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">440.6<span></span>
</td>
<td class="nump">438.2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AociTaxAttributableToParent', window );">Tax benefit on accumulated other comprehensive loss</a></td>
<td class="nump">$ 21,209<span></span>
</td>
<td class="nump">$ 24,176<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockCommonShares', window );">Common stock held in treasury (in shares)</a></td>
<td class="nump">230.2<span></span>
</td>
<td class="nump">217.9<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_PreferredStockLiquidationPreference">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-3<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-4<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_PreferredStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.6-05(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_StatementOfFinancialPositionAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementOfFinancialPositionAbstract</td>
</tr>
<tr>
<td style="padding-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_TradingSecuritiesDebtAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_TreasuryStockCommonShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of previously issued common shares repurchased by the issuing entity and held in treasury.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockCommonShares</td>
</tr>
<tr>
<td style="padding-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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>27
<FILENAME>R5.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692508547040">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Loans</a></td>
<td class="nump">$ 2,314,417<span></span>
</td>
<td class="nump">$ 2,327,743<span></span>
</td>
<td class="nump">$ 1,914,554<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating', window );">Investments</a></td>
<td class="nump">61,412<span></span>
</td>
<td class="nump">50,810<span></span>
</td>
<td class="nump">35,304<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="Show.showAR( this, 'defref_slm_CashAndInvestmentsInterestIncomeLoss', window );">Cash and cash equivalents</a></td>
<td class="nump">243,217<span></span>
</td>
<td class="nump">213,750<span></span>
</td>
<td class="nump">81,722<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest income</a></td>
<td class="nump">2,619,046<span></span>
</td>
<td class="nump">2,592,303<span></span>
</td>
<td class="nump">2,031,580<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Deposits</a></td>
<td class="nump">881,456<span></span>
</td>
<td class="nump">808,065<span></span>
</td>
<td class="nump">368,914<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseShortTermBorrowings', window );">Interest expense on short-term borrowings</a></td>
<td class="nump">13,815<span></span>
</td>
<td class="nump">13,501<span></span>
</td>
<td class="nump">11,956<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseLongTermDebt', window );">Interest expense on long-term borrowings</a></td>
<td class="nump">242,993<span></span>
</td>
<td class="nump">208,524<span></span>
</td>
<td class="nump">161,929<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseOperating', window );">Total interest expense</a></td>
<td class="nump">1,138,264<span></span>
</td>
<td class="nump">1,030,090<span></span>
</td>
<td class="nump">542,799<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="nump">1,480,782<span></span>
</td>
<td class="nump">1,562,213<span></span>
</td>
<td class="nump">1,488,781<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="Show.showAR( this, 'defref_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal', window );">Less: provisions for credit losses</a></td>
<td class="nump">408,515<span></span>
</td>
<td class="nump">345,463<span></span>
</td>
<td class="nump">633,453<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income after provisions for credit losses</a></td>
<td class="nump">1,072,267<span></span>
</td>
<td class="nump">1,216,750<span></span>
</td>
<td class="nump">855,328<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_GainLossOnSalesOfLoansNet', window );">Gains on sales of loans, net</a></td>
<td class="nump">254,928<span></span>
</td>
<td class="nump">160,290<span></span>
</td>
<td class="nump">327,750<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS', window );">Gains (losses) on securities, net</a></td>
<td class="nump">467<span></span>
</td>
<td class="nump">2,678<span></span>
</td>
<td class="num">(60,267)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainLossOnDerivativeInstrumentsNetPretax', window );">Losses on derivatives and hedging activities, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(5)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other income</a></td>
<td class="nump">112,873<span></span>
</td>
<td class="nump">84,148<span></span>
</td>
<td class="nump">67,160<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total non-interest income</a></td>
<td class="nump">368,268<span></span>
</td>
<td class="nump">247,116<span></span>
</td>
<td class="nump">334,638<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Compensation and benefits</a></td>
<td class="nump">349,387<span></span>
</td>
<td class="nump">326,554<span></span>
</td>
<td class="nump">270,354<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense', window );">FDIC assessment fees</a></td>
<td class="nump">51,606<span></span>
</td>
<td class="nump">45,766<span></span>
</td>
<td class="nump">20,939<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other operating expenses</a></td>
<td class="nump">235,577<span></span>
</td>
<td class="nump">246,886<span></span>
</td>
<td class="nump">260,169<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="Show.showAR( this, 'defref_slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets', window );">Total operating expenses</a></td>
<td class="nump">636,570<span></span>
</td>
<td class="nump">619,206<span></span>
</td>
<td class="nump">551,462<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="Show.showAR( this, 'defref_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets', window );">Acquired intangible assets impairment and amortization expense</a></td>
<td class="nump">5,329<span></span>
</td>
<td class="nump">66,364<span></span>
</td>
<td class="nump">7,779<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total non-interest expenses</a></td>
<td class="nump">641,899<span></span>
</td>
<td class="nump">685,570<span></span>
</td>
<td class="nump">559,241<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income tax expense</a></td>
<td class="nump">798,636<span></span>
</td>
<td class="nump">778,296<span></span>
</td>
<td class="nump">630,725<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">190,311<span></span>
</td>
<td class="nump">196,905<span></span>
</td>
<td class="nump">161,711<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">608,325<span></span>
</td>
<td class="nump">581,391<span></span>
</td>
<td class="nump">469,014<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsIncomeStatementImpact', window );">Preferred stock dividends</a></td>
<td class="nump">18,296<span></span>
</td>
<td class="nump">17,705<span></span>
</td>
<td class="nump">9,029<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income attributable to SLM Corporation common stock</a></td>
<td class="nump">$ 590,029<span></span>
</td>
<td class="nump">$ 563,686<span></span>
</td>
<td class="nump">$ 459,985<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic earnings per common share (in usd per share)</a></td>
<td class="nump">$ 2.73<span></span>
</td>
<td class="nump">$ 2.44<span></span>
</td>
<td class="nump">$ 1.78<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Average common shares outstanding (in shares)</a></td>
<td class="nump">216,220<span></span>
</td>
<td class="nump">231,411<span></span>
</td>
<td class="nump">258,439<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted earnings per common share (in usd per share)</a></td>
<td class="nump">$ 2.68<span></span>
</td>
<td class="nump">$ 2.41<span></span>
</td>
<td class="nump">$ 1.76<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Average common and common equivalent shares outstanding (in shares)</a></td>
<td class="nump">219,934<span></span>
</td>
<td class="nump">234,063<span></span>
</td>
<td class="nump">261,503<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Declared dividends per common share (in dollars per share)</a></td>
<td class="nump">$ 0.46<span></span>
</td>
<td class="nump">$ 0.44<span></span>
</td>
<td class="nump">$ 0.44<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortization of Acquired Intangible Assets, Including Impairment of Intangible Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets</td>
</tr>
<tr>
<td 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_CashAndInvestmentsInterestIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cash and investments interest income (loss).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable And Off-Balance Sheet, Excluding Accrued Interest, Credit Loss, Expense (Reversal)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal</td>
</tr>
<tr>
<td 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_OperatingExpensesExcludingAmortizationOfIntangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Operating Expenses, Excluding Amortization Of Intangible Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets</td>
</tr>
<tr>
<td 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 52<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482635/260-10-55-52<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482635/260-10-55-15<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-7<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-2<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-4<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-10<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 52<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482635/260-10-55-52<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482635/260-10-55-15<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-7<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-2<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-4<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(14))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_GainLossOnSalesOfLoansNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13)(h))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSalesOfLoansNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_GainLossOnSalesOfMortgageBackedSecuritiesMBS">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net gain (loss) resulting from the sales of securitized, pay-through debt securities collateralized by real estate mortgage loans (mortgages).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13)(h))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 48<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-48<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 270<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482964/270-10-50-1<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (ee)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 9: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-31<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 235<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-05(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477314/942-235-S99-1<br><br>Reference 11: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 270<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482964/270-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (ee)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 231<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-231<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-9<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-8<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-10<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -SubTopic 20<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482659/740-20-45-2<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -SubTopic 10<br> -Topic 235<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 39<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477346/946-830-45-39<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_InterestExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Aggregate amount of interest expense on all deposits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph a<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph b<br> -Subparagraph (1)<br> -Publisher SEC<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(8))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_InterestExpenseOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest expense classified as operating.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph a<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph b<br> -Subparagraph (1)<br> -Publisher SEC<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income (expense) classified as operating.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-4<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SAB Topic 6.B)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-5<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-10<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-11<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(14))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(1)(e))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_OtherNoninterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of noninterest expense classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(14))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-8<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 205<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478009/946-205-45-3<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479105/946-220-45-7<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-19<br><br>Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-6<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 235<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-05(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477314/942-235-S99-1<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483499/205-20-50-7<br><br>Reference 31: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 4J<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4J<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 4K<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4K<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-2<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_WeightedAverageNumberOfDilutedSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 16<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-16<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<TYPE>XML
<SEQUENCE>28
<FILENAME>R6.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692507071584">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract', window );"><strong>Statement of Comprehensive Income [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="Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">$ 608,325<span></span>
</td>
<td class="nump">$ 581,391<span></span>
</td>
<td class="nump">$ 469,014<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract', window );"><strong>Other comprehensive 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="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax', window );">Unrealized gains (losses) on investments</a></td>
<td class="nump">42,604<span></span>
</td>
<td class="nump">59,205<span></span>
</td>
<td class="num">(194,157)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax', window );">Unrealized gains (losses) on cash flow hedges</a></td>
<td class="num">(30,394)<span></span>
</td>
<td class="num">(34,457)<span></span>
</td>
<td class="nump">93,731<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossBeforeTax', window );">Total unrealized gains (losses)</a></td>
<td class="nump">12,210<span></span>
</td>
<td class="nump">24,748<span></span>
</td>
<td class="num">(100,426)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossTax', window );">Income tax (expense) benefit</a></td>
<td class="num">(2,967)<span></span>
</td>
<td class="num">(5,982)<span></span>
</td>
<td class="nump">24,453<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Other comprehensive income (loss), net of tax (expense) benefit</a></td>
<td class="nump">9,243<span></span>
</td>
<td class="nump">18,766<span></span>
</td>
<td class="num">(75,973)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Total comprehensive income</a></td>
<td class="nump">$ 617,568<span></span>
</td>
<td class="nump">$ 600,157<span></span>
</td>
<td class="nump">$ 393,041<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-19<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(24))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 55<br> -Paragraph 4K<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4K<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-10A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-10A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481674/830-30-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-17<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-4<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-5<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-20<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-11<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-10A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481674/830-30-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-17<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-4<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-5<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-20<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B<br><br>Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 15<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482739/220-10-55-15<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 12<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-12<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-4<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481674/830-30-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-17<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-20<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-10<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482659/740-20-45-11<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482659/740-20-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-8<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 205<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478009/946-205-45-3<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479105/946-220-45-7<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-19<br><br>Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-6<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 235<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-05(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477314/942-235-S99-1<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483499/205-20-50-7<br><br>Reference 31: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 4J<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4J<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 4K<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4K<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-2<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_StatementOfIncomeAndComprehensiveIncomeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-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>29
<FILENAME>R7.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692500277728">
<tr>
<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>Series B Preferred Stock</div></th>
<th class="th"><div>Preferred Stock</div></th>
<th class="th"><div>Common Stock</div></th>
<th class="th"><div>Treasury Stock</div></th>
<th class="th"><div>Additional Paid-In Capital</div></th>
<th class="th"><div>Accumulated Other Comprehensive Income (Loss)</div></th>
<th class="th"><div>Retained Earnings</div></th>
<th class="th">
<div>Retained Earnings </div>
<div>Series B Preferred Stock</div>
</th>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesIssued', window );">Beginning 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="nump">2,510,696<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>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockCommonShares', window );">Beginning 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="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>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Beginning 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="nump">278,956,733<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>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Beginning balance at Dec. 31, 2021</a></td>
<td class="nump">$ 2,149,711<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 251,070<span></span>
</td>
<td class="nump">$ 86,403<span></span>
</td>
<td class="num">$ (2,061,383)<span></span>
</td>
<td class="nump">$ 1,074,384<span></span>
</td>
<td class="num">$ (17,897)<span></span>
</td>
<td class="nump">$ 2,817,134<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">469,014<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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">469,014<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Other comprehensive income (loss), net of tax</a></td>
<td class="num">(75,973)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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">(75,973)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Total comprehensive income</a></td>
<td class="nump">393,041<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsCashAbstract', window );"><strong>Cash dividends declared:</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="Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Common stock</a></td>
<td class="num">$ (112,961)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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">(112,961)<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="Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Preferred stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (9,029)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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">$ (9,029)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Issuance of common shares (in shares)</a></td>
<td class="nump">3,107,768<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,107,768<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Issuance of common shares</a></td>
<td class="nump">$ 433<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 622<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">618<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(807)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
<td class="nump">$ 34,359<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">34,070<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">289<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="num">(40,253,548)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(40,253,548)<span></span>
</td>
<td class="num">(40,253,548)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredParValueMethod', window );">Common stock repurchased</a></td>
<td class="num">$ (707,742)<span></span>
</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">$ (707,742)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans (in shares)</a></td>
<td class="num">(1,135,509)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,135,509)<span></span>
</td>
<td class="num">(1,135,509)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans</a></td>
<td class="num">$ (20,842)<span></span>
</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">$ (20,842)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_SharesIssued', window );">Ending balance, shares issued (in shares) at Dec. 31, 2022</a></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="nump">435,121,140<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_TreasuryStockCommonShares', window );">Ending balance (in shares) at Dec. 31, 2022</a></td>
<td class="text">&#160;<span></span>
</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">(194,445,696)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Ending balance (in shares) at Dec. 31, 2022</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">240,675,444<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Ending balance at Dec. 31, 2022</a></td>
<td class="nump">1,726,970<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 251,070<span></span>
</td>
<td class="nump">$ 87,025<span></span>
</td>
<td class="num">$ (2,789,967)<span></span>
</td>
<td class="nump">1,109,072<span></span>
</td>
<td class="num">(93,870)<span></span>
</td>
<td class="nump">3,163,640<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">581,391<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">581,391<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Other comprehensive income (loss), net of tax</a></td>
<td class="nump">18,766<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">18,766<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Total comprehensive income</a></td>
<td class="nump">600,157<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsCashAbstract', window );"><strong>Cash dividends declared:</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="Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Common stock</a></td>
<td class="num">$ (101,233)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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">(101,233)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Preferred stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(17,705)<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="num">(17,705)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Issuance of common shares (in shares)</a></td>
<td class="nump">3,109,276<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,109,276<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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Issuance of common shares</a></td>
<td class="nump">$ 2,625<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 622<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,237<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,234)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
<td class="nump">$ 36,380<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">36,380<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="num">(22,341,595)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(22,341,595)<span></span>
</td>
<td class="num">(22,341,595)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredParValueMethod', window );">Common stock repurchased</a></td>
<td class="num">$ (349,397)<span></span>
</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">$ (349,397)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans (in shares)</a></td>
<td class="num">(1,099,241)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,099,241)<span></span>
</td>
<td class="num">(1,099,241)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans</a></td>
<td class="num">$ (17,000)<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="num">$ (17,000)<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="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesIssued', window );">Ending balance, shares issued (in shares) at Dec. 31, 2023</a></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="nump">438,230,416<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_TreasuryStockCommonShares', window );">Ending balance (in shares) at Dec. 31, 2023</a></td>
<td class="num">(217,900,000)<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="num">(217,886,532)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Ending balance (in shares) at Dec. 31, 2023</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">220,343,884<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Ending balance at Dec. 31, 2023</a></td>
<td class="nump">$ 1,880,797<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 251,070<span></span>
</td>
<td class="nump">$ 87,647<span></span>
</td>
<td class="num">$ (3,156,364)<span></span>
</td>
<td class="nump">1,148,689<span></span>
</td>
<td class="num">(75,104)<span></span>
</td>
<td class="nump">3,624,859<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">608,325<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="nump">608,325<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTax', window );">Other comprehensive income (loss), net of tax</a></td>
<td class="nump">9,243<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,243<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Total comprehensive income</a></td>
<td class="nump">617,568<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsCashAbstract', window );"><strong>Cash dividends declared:</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="Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Common stock</a></td>
<td class="num">$ (99,172)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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">(99,172)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Preferred stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (18,296)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</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">$ (18,296)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Issuance of common shares (in shares)</a></td>
<td class="nump">2,374,379<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,374,379<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Issuance of common shares</a></td>
<td class="nump">$ 4,272<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 474<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,068<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(1,270)<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="Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
<td class="nump">$ 39,996<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">39,996<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="Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased (in shares)</a></td>
<td class="num">(11,586,103)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(11,586,103)<span></span>
</td>
<td class="num">(11,586,103)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredParValueMethod', window );">Common stock repurchased</a></td>
<td class="num">$ (250,108)<span></span>
</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">$ (250,108)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans (in shares)</a></td>
<td class="num">(749,866)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(749,866)<span></span>
</td>
<td class="num">(749,866)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans</a></td>
<td class="num">$ (15,137)<span></span>
</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">$ (15,137)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_SharesIssued', window );">Ending balance, shares issued (in shares) at Dec. 31, 2024</a></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="nump">440,604,795<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_TreasuryStockCommonShares', window );">Ending balance (in shares) at Dec. 31, 2024</a></td>
<td class="num">(230,200,000)<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="num">(230,222,501)<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="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="Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Ending balance (in shares) at Dec. 31, 2024</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">210,382,294<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Ending balance at Dec. 31, 2024</a></td>
<td class="nump">$ 2,159,920<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 251,070<span></span>
</td>
<td class="nump">$ 88,121<span></span>
</td>
<td class="num">$ (3,421,609)<span></span>
</td>
<td class="nump">$ 1,193,753<span></span>
</td>
<td class="num">$ (65,861)<span></span>
</td>
<td class="nump">$ 4,114,446<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_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<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_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480483/718-10-35-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481089/718-20-55-13<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481089/718-20-55-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_CommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.6-05(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-19<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(24))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 55<br> -Paragraph 4K<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4K<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<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_DividendsCommonStockCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -SubTopic 405<br> -Topic 942<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477787/942-405-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481674/830-30-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-17<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-4<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-5<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-20<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B<br><br>Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 15<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482739/220-10-55-15<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-8<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 205<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478009/946-205-45-3<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479105/946-220-45-7<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-19<br><br>Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-6<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 235<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-05(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477314/942-235-S99-1<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483499/205-20-50-7<br><br>Reference 31: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 4J<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4J<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 4K<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4K<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-2<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_SharesPaidForTaxWithholdingForShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of new stock issued during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478448/946-505-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-11<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 205<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 4<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478009/946-205-45-4<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478448/946-505-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of equity (deficit) attributable to parent and noncontrolling interest. Excludes temporary equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (d)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (d)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 8: 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> -Subparagraph (a)(3)(iii)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483550/848-10-65-2<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 8<br> -Subparagraph (c)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479832/842-10-65-8<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483421/250-10-45-24<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 23<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483421/250-10-45-23<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483421/250-10-45-5<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 5<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479654/326-10-65-5<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (h)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (h)(1)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (h)(1)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (h)(1)(iv)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (i)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 105<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479343/105-10-65-6<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 105<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479343/105-10-65-6<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (f)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (f)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 8<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482615/740-10-65-8<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 8<br> -Subparagraph (d)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482615/740-10-65-8<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 4<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479654/326-10-65-4<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-1<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-7<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-5<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481674/830-30-50-1<br><br>Reference 32: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-17<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-20<br><br>Reference 34: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-11<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 205<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478009/946-205-45-3<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478448/946-505-50-3<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 38: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.6-05(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-2<br><br>Reference 39: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 40: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 41: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 42: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br><br>Reference 43: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 44: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 45: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 46: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-15<br><br>Reference 47: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-16<br><br>Reference 48: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 55<br> -Paragraph 4I<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4I<br><br>Reference 49: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476166/350-60-65-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_TreasuryStockCommonShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of previously issued common shares repurchased by the issuing entity and held in treasury.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockCommonShares</td>
</tr>
<tr>
<td style="padding-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_TreasuryStockSharesAcquired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>30
<FILENAME>R8.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692505657664">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Common stock dividend (in dollars per share)</a></td>
<td class="nump">$ 0.46<span></span>
</td>
<td class="nump">$ 0.44<span></span>
</td>
<td class="nump">$ 0.44<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePerDollarAmount', window );">Preferred stock dividend rate (in dollars per share)</a></td>
<td class="nump">$ 7.29<span></span>
</td>
<td class="nump">$ 7.05<span></span>
</td>
<td class="nump">$ 3.60<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>31
<FILENAME>R9.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692501163200">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">$ 608,325<span></span>
</td>
<td class="nump">$ 581,391<span></span>
</td>
<td class="nump">$ 469,014<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by (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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal', window );">Provisions for credit losses</a></td>
<td class="nump">408,515<span></span>
</td>
<td class="nump">345,463<span></span>
</td>
<td class="nump">633,453<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred tax provision (benefit)</a></td>
<td class="num">(34,327)<span></span>
</td>
<td class="num">(23,224)<span></span>
</td>
<td class="num">(93,670)<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="Show.showAR( this, 'defref_slm_AmortizationofBrokeredDepositPlacement', window );">Amortization of brokered deposit placement fee</a></td>
<td class="nump">10,529<span></span>
</td>
<td class="nump">11,681<span></span>
</td>
<td class="nump">12,904<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="Show.showAR( this, 'defref_slm_AmortizationOfABCPUpfrontLoanFees', window );">Amortization of Secured Borrowing Facility upfront fee</a></td>
<td class="nump">2,359<span></span>
</td>
<td class="nump">2,869<span></span>
</td>
<td class="nump">2,634<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet', window );">Amortization of deferred loan origination costs and loan premium/(discounts), net</a></td>
<td class="nump">12,883<span></span>
</td>
<td class="nump">12,583<span></span>
</td>
<td class="nump">14,804<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments', window );">Net amortization of discount on investments</a></td>
<td class="num">(1,772)<span></span>
</td>
<td class="num">(2,726)<span></span>
</td>
<td class="nump">103<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="Show.showAR( this, 'defref_slm_InterestIncomeonTaxIndemnificationReceivable', window );">Reduction of tax indemnification receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,816<span></span>
</td>
<td class="nump">5,231<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation of premises and equipment</a></td>
<td class="nump">17,652<span></span>
</td>
<td class="nump">17,811<span></span>
</td>
<td class="nump">17,331<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="Show.showAR( this, 'defref_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets', window );">Acquired intangible assets impairment and amortization expense</a></td>
<td class="nump">5,329<span></span>
</td>
<td class="nump">66,364<span></span>
</td>
<td class="nump">7,779<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation expense</a></td>
<td class="nump">39,996<span></span>
</td>
<td class="nump">36,380<span></span>
</td>
<td class="nump">34,461<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrealizedGainLossOnDerivatives', window );">Unrealized (gains) losses on derivative and hedging activities, net</a></td>
<td class="nump">65<span></span>
</td>
<td class="num">(341)<span></span>
</td>
<td class="nump">269<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainLossOnSalesOfLoansNet', window );">Gains on sale of loans, net</a></td>
<td class="num">(254,928)<span></span>
</td>
<td class="num">(160,290)<span></span>
</td>
<td class="num">(327,750)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS', window );">(Gains) losses on securities, net</a></td>
<td class="num">(467)<span></span>
</td>
<td class="num">(2,678)<span></span>
</td>
<td class="nump">60,267<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AmortizationOfAcquisitionCosts', window );">Acquisition transaction costs, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">952<span></span>
</td>
<td class="nump">2,603<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherNoncashIncomeExpense', window );">Other adjustments to net income, net</a></td>
<td class="nump">12,563<span></span>
</td>
<td class="nump">16,212<span></span>
</td>
<td class="nump">14,213<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet', window );">Increase in accrued interest receivable</a></td>
<td class="num">(1,110,434)<span></span>
</td>
<td class="num">(1,054,071)<span></span>
</td>
<td class="num">(819,958)<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="Show.showAR( this, 'defref_slm_PaymentsToAcquireTradingSecuritiesHeldForSale', window );">Increase in trading investments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(5,117)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi', window );">Increase in non-marketable securities</a></td>
<td class="num">(11,336)<span></span>
</td>
<td class="num">(1,256)<span></span>
</td>
<td class="num">(2,050)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets', window );">(Increase) decrease in other interest-earning assets</a></td>
<td class="nump">4,349<span></span>
</td>
<td class="nump">1,933<span></span>
</td>
<td class="num">(1,507)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Increase in other assets</a></td>
<td class="num">(6,531)<span></span>
</td>
<td class="num">(38,902)<span></span>
</td>
<td class="num">(23,472)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable', window );">Increase (decrease) in income tax payable, net</a></td>
<td class="num">(20,408)<span></span>
</td>
<td class="nump">36,723<span></span>
</td>
<td class="num">(15,063)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInInterestPayableNet', window );">Increase (decrease) in accrued interest payable</a></td>
<td class="nump">3,423<span></span>
</td>
<td class="nump">33,480<span></span>
</td>
<td class="nump">24,986<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Increase (decrease) in other liabilities</a></td>
<td class="num">(15,180)<span></span>
</td>
<td class="num">(27,807)<span></span>
</td>
<td class="num">(6,473)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities', window );">Total adjustments</a></td>
<td class="num">(937,720)<span></span>
</td>
<td class="num">(726,028)<span></span>
</td>
<td class="num">(464,022)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Total net cash (used in) provided by operating activities</a></td>
<td class="num">(329,395)<span></span>
</td>
<td class="num">(144,637)<span></span>
</td>
<td class="nump">4,992<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_StudentLoansacquiredandoriginated', window );">Loans acquired and originated</a></td>
<td class="num">(7,064,230)<span></span>
</td>
<td class="num">(6,452,199)<span></span>
</td>
<td class="num">(6,081,389)<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="Show.showAR( this, 'defref_slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale', window );">Net proceeds from sales of loans held for investment and loans held for sale</a></td>
<td class="nump">4,246,602<span></span>
</td>
<td class="nump">3,198,502<span></span>
</td>
<td class="nump">3,459,527<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="Show.showAR( this, 'defref_slm_ProceedsfromClaimpayments', window );">Proceeds from FFELP Loan claim payments</a></td>
<td class="nump">27,579<span></span>
</td>
<td class="nump">50,145<span></span>
</td>
<td class="nump">33,197<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="Show.showAR( this, 'defref_slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale', window );">Net decrease in loans held for investment and loans held for sale (other than loans acquired and originated, and loan sales)</a></td>
<td class="nump">2,725,473<span></span>
</td>
<td class="nump">3,046,064<span></span>
</td>
<td class="nump">3,586,825<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt', window );">Purchases of available-for-sale securities</a></td>
<td class="num">(91,881)<span></span>
</td>
<td class="num">(105,970)<span></span>
</td>
<td class="num">(753,129)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities', window );">Proceeds from sales and maturities of available-for-sale securities</a></td>
<td class="nump">832,450<span></span>
</td>
<td class="nump">265,652<span></span>
</td>
<td class="nump">960,015<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates', window );">Purchase of subsidiary, net of cash acquired</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(14,654)<span></span>
</td>
<td class="num">(127,654)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Total net cash provided by (used in) investing activities</a></td>
<td class="nump">675,993<span></span>
</td>
<td class="num">(12,460)<span></span>
</td>
<td class="nump">1,077,392<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_Cashpaidforbrokereddepositplacementfee', window );">Brokered deposit placement fee</a></td>
<td class="num">(7,975)<span></span>
</td>
<td class="num">(7,841)<span></span>
</td>
<td class="num">(11,170)<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="Show.showAR( this, 'defref_slm_Netincreasedecreaseinbrokeredcertificatesofdeposit', window );">Net increase in certificates of deposit</a></td>
<td class="nump">88,444<span></span>
</td>
<td class="nump">953,412<span></span>
</td>
<td class="nump">130,109<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="Show.showAR( this, 'defref_slm_NetincreaseinMMDAdeposits', window );">Net increase (decrease) in other deposits</a></td>
<td class="num">(687,108)<span></span>
</td>
<td class="num">(770,485)<span></span>
</td>
<td class="nump">570,147<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="Show.showAR( this, 'defref_slm_BorrowingsCollateralizedByLoansInTrustIssued', window );">Borrowings collateralized by loans in securitization trusts - issued</a></td>
<td class="nump">2,206,704<span></span>
</td>
<td class="nump">1,135,036<span></span>
</td>
<td class="nump">572,640<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="Show.showAR( this, 'defref_slm_BorrowingsCollateralizedByLoansInTrustRepaid', window );">Borrowings collateralized by loans in securitization trusts - repaid</a></td>
<td class="num">(1,004,117)<span></span>
</td>
<td class="num">(1,154,269)<span></span>
</td>
<td class="num">(1,278,183)<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="Show.showAR( this, 'defref_slm_NetIncreaseDecreaseinUpfrontLoanFees', window );">Fees paid on Secured Borrowing Facility</a></td>
<td class="num">(2,357)<span></span>
</td>
<td class="num">(2,868)<span></span>
</td>
<td class="num">(2,833)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Preferred stock dividends paid</a></td>
<td class="num">(18,296)<span></span>
</td>
<td class="num">(17,705)<span></span>
</td>
<td class="num">(9,029)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Common stock dividends paid</a></td>
<td class="num">(99,172)<span></span>
</td>
<td class="num">(101,233)<span></span>
</td>
<td class="num">(112,961)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Common stock repurchased</a></td>
<td class="num">(247,968)<span></span>
</td>
<td class="num">(350,264)<span></span>
</td>
<td class="num">(713,197)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
<td class="nump">228,155<span></span>
</td>
<td class="num">(316,232)<span></span>
</td>
<td class="num">(854,892)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect', window );">Net increase (decrease) in cash, cash equivalents and restricted cash</a></td>
<td class="nump">574,753<span></span>
</td>
<td class="num">(473,329)<span></span>
</td>
<td class="nump">227,492<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash, cash equivalents and restricted cash at beginning of year</a></td>
<td class="nump">4,299,507<span></span>
</td>
<td class="nump">4,772,836<span></span>
</td>
<td class="nump">4,545,344<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash, cash equivalents and restricted cash at end of year</a></td>
<td class="nump">4,874,260<span></span>
</td>
<td class="nump">4,299,507<span></span>
</td>
<td class="nump">4,772,836<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestPaidNet', window );">Interest</a></td>
<td class="nump">1,109,084<span></span>
</td>
<td class="nump">963,260<span></span>
</td>
<td class="nump">482,974<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaid', window );">Income taxes paid</a></td>
<td class="nump">243,341<span></span>
</td>
<td class="nump">191,690<span></span>
</td>
<td class="nump">272,940<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromIncomeTaxRefunds', window );">Income taxes refunded</a></td>
<td class="num">(1,395)<span></span>
</td>
<td class="num">(8,201)<span></span>
</td>
<td class="num">(2,043)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">4,700,366<span></span>
</td>
<td class="nump">4,149,838<span></span>
</td>
<td class="nump">4,616,117<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestments', window );">Restricted cash</a></td>
<td class="nump">173,894<span></span>
</td>
<td class="nump">149,669<span></span>
</td>
<td class="nump">156,719<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Total cash, cash equivalents and restricted cash</a></td>
<td class="nump">4,874,260<span></span>
</td>
<td class="nump">4,299,507<span></span>
</td>
<td class="nump">4,772,836<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoncashInvestingAndFinancingItemsAbstract', window );"><strong>Supplemental non-cash operating and 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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestCostsCapitalized', window );">Accrued interest capitalized during the period</a></td>
<td class="nump">632,504<span></span>
</td>
<td class="nump">632,649<span></span>
</td>
<td class="nump">589,725<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="Show.showAR( this, 'defref_slm_TradingInvestmentReceivedInConsiderationForLoansSold', window );">Trading investments received in consideration for loans sold</a></td>
<td class="nump">5,218<span></span>
</td>
<td class="nump">5,327<span></span>
</td>
<td class="nump">16,477<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="Show.showAR( this, 'defref_slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold', window );">Available-for-sale investments received in consideration for loans sold</a></td>
<td class="nump">210,371<span></span>
</td>
<td class="nump">162,256<span></span>
</td>
<td class="nump">222,663<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_PaymentsOfDebtIssuanceCosts', window );">Issuance costs for unsecured debt offering</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(15)<span></span>
</td>
<td class="num">(40)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_PaymentsOfDebtIssuanceCosts', window );">Issuance costs for unsecured debt offering</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="num">$ (375)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AmortizationOfABCPUpfrontLoanFees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortization of ABCP Upfront Loan Fees</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AmortizationOfABCPUpfrontLoanFees</td>
</tr>
<tr>
<td 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_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortization of Acquired Intangible Assets, Including Impairment of Intangible Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets</td>
</tr>
<tr>
<td 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>amortization of brokered deposit placement</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Available-For-Sale Investments Received in Consideration for Loans Sold</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold</td>
</tr>
<tr>
<td 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Borrowings Collateralized By Loans In Trust Issued</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Borrowings Collateralized By Loans In Trust Repaid</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cash paid for brokered deposit placement fee</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable And Off-Balance Sheet, Excluding Accrued Interest, Credit Loss, Expense (Reversal)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal</td>
</tr>
<tr>
<td 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Income on Tax Indemnification Receivable</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Decrease in Loans Held for Investment and Loans Held for Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale</td>
</tr>
<tr>
<td 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Increase (Decrease) in Upfront Loan Fees</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Proceeds from Loans Held for Investment and Loans Held for Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale</td>
</tr>
<tr>
<td 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net increase (decrease) in brokered certificates of deposit</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_NetincreaseinMMDAdeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net increase in MMDA deposits</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_PaymentsToAcquireTradingSecuritiesHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Payments To Acquire Trading Securities Held-For-Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PaymentsToAcquireTradingSecuritiesHeldForSale</td>
</tr>
<tr>
<td 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_ProceedsfromClaimpayments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Proceeds from Claim payments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Student Loans acquired and originated</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_slm_TradingInvestmentReceivedInConsiderationForLoansSold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading Investment Received in Consideration for Loans Sold</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_TradingInvestmentReceivedInConsiderationForLoansSold</td>
</tr>
<tr>
<td 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_AccretionAmortizationOfDiscountsAndPremiumsInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_AmortizationOfAcquisitionCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expense recognized in the current period that reflects the allocation of capitalized costs associated with acquisition of business. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationOfAcquisitionCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_AmortizationOfDeferredLoanOriginationFeesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481655/310-20-35-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483467/210-10-45-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482913/230-10-50-8<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-24<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-24<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -SubTopic 230<br> -Topic 830<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477401/830-230-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482099/360-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_GainLossOnSalesOfLoansNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13)(h))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSalesOfLoansNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_GainLossOnSalesOfMortgageBackedSecuritiesMBS">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net gain (loss) resulting from the sales of securitized, pay-through debt securities collateralized by real estate mortgage loans (mortgages).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13)(h))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before refund, of cash paid to foreign, federal, state, and local jurisdictions as income tax.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482913/230-10-50-2A<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 23<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-23<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-22<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-25<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482913/230-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<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_IncreaseDecreaseInAccruedIncomeTaxesPayable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the period in the amount due for taxes based on the reporting entity's earnings or attributable to the entity's income earning process (business presence) within a given jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_IncreaseDecreaseInAccruedInterestReceivableNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_IncreaseDecreaseInEquitySecuritiesFvNi">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) of 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-19<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 321<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479567/321-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_InterestCostsCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest capitalized during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483013/835-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestCostsCapitalized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-25<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482913/230-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-24<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-25<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_NoncashInvestingAndFinancingItemsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoncashInvestingAndFinancingItemsAbstract</td>
</tr>
<tr>
<td style="padding-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_OtherNoncashIncomeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 230<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479024/942-230-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-11<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-13<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_PaymentsToAcquireInterestInSubsidiariesAndAffiliates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow associated with the acquisition of or advances to an entity that is related to it but not strictly controlled (for example, an unconsolidated subsidiary, affiliate, and joint venture or equity method investment) or the acquisition of an additional interest in a subsidiary (controlled entity).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of income tax refund received from tax jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482913/230-10-50-2A<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 23<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-23<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-22<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-25<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482913/230-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-11<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-8<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 205<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478009/946-205-45-3<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479105/946-220-45-7<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-19<br><br>Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-6<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 235<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-05(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477314/942-235-S99-1<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483499/205-20-50-7<br><br>Reference 31: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 4J<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4J<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 4K<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4K<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-2<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_RestrictedCashAndInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 954<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477220/954-210-45-4<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 954<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478600/954-210-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_ShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense for share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_SupplementalCashFlowInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SupplementalCashFlowInformationAbstract</td>
</tr>
<tr>
<td style="padding-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_UnrealizedGainLossOnDerivatives">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(7)(c)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(7)(c)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(7)(c)(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(7)(c)(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column F))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrealizedGainLossOnDerivatives</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_LongtermDebtTypeAxis=us-gaap_CollateralizedSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_CollateralizedSecuritiesMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>32
<FILENAME>R10.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692505561280">
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock', window );">Organization and Business</a></td>
<td class="text"><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">Organization and Business </span><div style="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%">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 financial brand for higher 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-weight:400;line-height:120%">While the Sallie Mae name has existed for more than 50 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, consolidation loan, and business processing businesses. 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 documents executed in connection with the Spin-Off. We sometimes refer to the company that existed prior to the Spin-Off as &#8220;pre-Spin-Off SLM.&#8221; </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 previously existing 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>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract</td>
</tr>
<tr>
<td style="padding-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_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480424/946-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480424/946-10-50-2<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 810<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/810/tableOfContent<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 205<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/205/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>33
<FILENAME>R11.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692499530736">
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_SignificantAccountingPoliciesTextBlock', window );">Significant Accounting Policies</a></td>
<td class="text">Significant Accounting Policies <div style="margin-top:9pt;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:5pt;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:9pt;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:9pt;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:5pt;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:9pt;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: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 are 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 residual classes, which we classify as trading investments recorded at fair value with changes recorded through earnings.</span></div><div style="margin-top:9pt;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:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our available-for-sale investments consist of mortgage-backed securities, Utah Housing Corporation bonds, U.S. government-sponsored enterprises and Treasury securities, and the vertical risk retention interests described above (other than residual classes). 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:5pt;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: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 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 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: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 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: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%">Loans Held for Investment</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%">Loans, consisting of Private Education Loans, 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;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loan Interest Income.&#8221; Loans that are held for investment are reported net of an allowance for credit losses. During the third quarter of 2024, we transferred our FFELP Loan portfolio from loans held for investment to loans held for sale as we planned to sell the portfolio. During the fourth quarter of 2024, we sold our FFELP Loan portfolio to a third party. This transaction qualified for sale treatment and removed the balance of the loans from our balance sheet on the settlement date.</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%">Loans 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%">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 that 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 that loan.</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 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: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%">Restricted Cash </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 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: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%">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%">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 method. This method requires us to project future principal and interest cash flows on our loans in those portfolios. </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%">To estimate the future expected cash flows, we use statistical loan-level models that consider life of loan expectations for defaults, prepayments, recoveries, and any other qualitative 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:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We estimate future default rates used in our current expected credit losses at a loan level using historical loss experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable period. At the end of the reasonable and supportable forecast period, we immediately revert our forecasted economic factors to long-term historical averages. We estimate future prepayment speeds used in our current expected credit losses at a loan level using historical prepayment experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable 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-weight:400;line-height:120%">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. 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: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 future default rates and prepayment speeds in our current expected credit losses, we use a combination of expected economic scenarios coupled with our historical experience and adjust 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%">We obtain forecasts for our loss model 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 December 31, 2024, December 31, 2023, and December 31, 2022, we used the Baseline (50th percentile likelihood of occurring)/S1 (stronger near-term growth scenario - 10 percent likelihood of occurring)/S3 (unfavorable (or downside) scenario - 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%">In estimating recoveries, we use both estimates of what we expect to 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%">In addition to the above modeling approach, we also take certain qualitative factors into consideration when calculating the allowance for credit losses, which could result in management overlays (increases or decreases to the allowance for credit losses). These management overlays can encompass a broad array of factors not captured by model inputs, including, but not limited to, changes in lending policies and procedures, including changes in underwriting standards, changes in servicing policies and collection administration practices, including the loan modification program changes implemented in the fourth quarter of 2023, state law changes that could impact servicing and collection practices, charge-offs, recoveries not already included in the analysis, the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses, the performance of the model over time versus actual losses, and any other operational or regulatory changes that could affect our estimate of 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%">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 </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%">the estimate of the allowance for credit losses, the timing of when losses are recognized, and the related provision for credit losses in 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; 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%">Of the model inputs outlined above, economic forecasts, weighting of economic forecasts, 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 the fourth quarter of 2022, we changed our loss model to include forecasts of college graduate unemployment, retail sales, and median family income in determining the adequacy of the allowance for credit losses. Prior to this change, we included forecasts of college graduate unemployment and the Consumer Price Index in our loss forecasting models. </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 2023, we experienced slower prepayment rates due to the rising interest rate environment.  Historically, when rates rise, loan prepayments decline due to a reduction in consolidation activity of our borrowers to third party lenders, and when rates decline, loan prepayments rise due to an increase in consolidation activity of our borrowers to third party lenders. During 2023, our estimates of future prepayment speeds reflected the then current interest rate environment and future expectations of increased prepayment speeds in line with market expectations of a decline in interest rates based on the scenarios produced by Moody's Analytics described above. Slower prepayment speeds increase the allowance for credit losses because the loss rates applied in the future periods are applied to higher loan balances. In the second quarter of 2024, we implemented a loan-level future default rate model that includes current portfolio characteristics and forecasts of real gross domestic product and college graduate unemployment. </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 the second quarter of 2024, we also implemented a future prepayment speeds model to include forecasts of real gross domestic product, retail sales, the Secured Overnight Financing Rate (&#8220;SOFR&#8221;), and the U.S. 10-year treasury rate. These models reduce the reliance on certain qualitative overlays compared to the previous default rate and prepayment speeds models. Prior to these changes, our default rate and prepayment speeds models used forecasts of college graduate unemployment, retail sales, home price index, and median family income. Both the future default rate model and the future prepayment speeds model are used in determining the adequacy of the allowance for credit losses. The combined impact upon implementation of these model enhancements and the changes in the related qualitative overlays did not have a material impact on the overall level of our 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%">Below we describe in further detail our policies and procedures for the allowance for credit losses as they relate to our Private Education Loan portfolio. During the third quarter of 2024, we reclassified our FFELP Loan portfolio to loans held for sale and subsequently sold the FFELP Loan portfolio to a third party during the fourth quarter of 2024. During the third quarter of 2022, we reclassified our Credit Card loan portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023. </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 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%">In the second quarter of 2023, we changed how we collect on defaulted loans. Previously, we used a mix of in-house collectors and sales to third parties. We continue to sell a segment of defaulted loans immediately after charge-off but no longer sell retained defaulted loans (that have been subject to internal collection attempts for six months) to third parties and instead continue our collection efforts using in-house collectors and third-party collectors. This improved our estimate of recovery rates for the year ended December 31, 2023. When we estimate the timing and amount of future recoveries on charged-off loans, we no longer include expectations of future sales on retained defaulted loans. We continue to monitor how we collect on defaulted loans and may modify the approach from time to time based on performance, industry conventions, and/or regulatory feedback.</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 December 31, 2022, 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 December 31, 2024 and 2023, 26 percent and 25 percent, respectively, 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 (forbearance) for certain borrowers requesting an extended grace period upon leaving school or experiencing temporary difficulty meeting payment obligations.</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 the metrics considered are the allowance coverage of net charge-offs ratio; the allowance as a percentage of ending total loans plus unfunded loan commitments and total accrued interest receivable; 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 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%">Off-Balance Sheet Exposure for Contractual Loan Commitments </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 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: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 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 and the allowance for credit losses described above consider both the collectability of principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. The allowance for uncollectible interest uses historical experience to estimate the uncollectible interest on loans for which payment in full of principal or interest is not expected.  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:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At September 30, 2022, we transferred our Credit Card portfolio to loans held for sale as we planned to sell our Credit Card portfolio.  At that time, we reversed $2.4&#160;million through the provisions for credit losses for the allowance related to these loans. We subsequently sold the Credit Card portfolio to a third party in May 2023. </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 FFELP 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-weight:400;line-height:120%">During the third quarter of 2024, we transferred our FFELP Loan portfolio to loans held for sale as we planned to sell our FFELP Loan portfolio. At that time, we wrote down this loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $8&#160;million. We subsequently sold the FFELP Loan portfolio to a third party in the fourth quarter of 2024.  </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%">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, owners receive 97 percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, owners receive 98 percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, owners receive 100 percent reimbursement. Because owners 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 were 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%">For the years ended December 31, 2023 and 2022, we used the gross loss approach when estimating the allowance for credit losses for the unguaranteed portion of our FFELP Loans. We maintained 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 used historical experience of customer default behavior. We applied the default rate projections, net of applicable risk sharing, to our FFELP Loans for the respective 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: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%">Business Combinations </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 4, 2022, we completed the acquisition of the assets primarily used or held for use of Epic Research Education Services, LLC, which did business as Nitro College (&#8220;Nitro&#8221;). Nitro provided resources that helped students and families evaluate how to responsibly pay for college and manage their financial responsibilities after graduation. The addition of Nitro supports our mission of providing students with the confidence needed to successfully navigate the higher education journey. The acquisition of the Nitro assets, including its employees and intellectual property, expanded our digital marketing capabilities, reduced the cost to acquire customer accounts, and accelerated our progress to become a broader education solutions provider for students before, during, and immediately after college. In 2024, we completed the transition of the related Nitro branding to the Sallie and Sallie Mae brands and platforms. </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 July 21, 2023, we completed the acquisition of several key assets of Scholly, Inc. (&#8220;Scholly&#8221;). Scholly was engaged in the business of operating as a scholarship publishing and servicing platform, comprised of websites and mobile application search products that offered custom recommendations for post-secondary scholarships for students, their families, and others as well as related services for scholarship providers. The addition of Scholly assets supports our mission of providing students with the confidence needed to successfully navigate the higher education journey.</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 acquisitions were accounted for as business combinations using the acquisition method of accounting in accordance with the Accounting Standard Codification 805, &#8220;Business Combinations,&#8221; of the Financial Accounting Standards Board (&#8220;FASB&#8221;), whereby as of the respective acquisition date, the acquired tangible assets and liabilities were recorded at their estimated fair values. The identifiable intangible assets were recorded at fair values as determined by an independent appraiser. The final purchase price allocation for Nitro resulted in an excess purchase price over fair value of </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%">net assets acquired, or goodwill, of $51&#160;million. The final purchase price allocation for Scholly resulted in an excess purchase price over fair value of net assets acquired, or goodwill, of $5&#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%">The results of operations of Nitro and Scholly have been included in our consolidated financial statements since the respective acquisition dates. We have not disclosed the pro forma impact of these acquisitions to the results of operations for the years ended December 31, 2023 and 2022, as the pro forma impacts were deemed immaterial. Transaction costs associated with the Nitro acquisition were approximately $3&#160;million and were expensed as incurred within &#8220;Other operating expenses&#8221; in the consolidated statements of income for the year ended December 31, 2022. Transaction costs associated with the Scholly acquisition were approximately $1&#160;million and were expensed as incurred within &#8220;Other operating expenses&#8221; in the consolidated statements of income for the year ended December 31, 2023.</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%">Identifiable intangible assets at the acquisition date of Nitro included definite life intangible assets with an aggregate fair value of approximately $75&#160;million, including trade name and trademarks, customer relationships, and developed technology. In the fourth quarter of 2023, we impaired our Nitro trade name and trademarks intangible asset. See Note 8, &#8220;Goodwill and Acquired Intangible Assets&#8221; in this Form 10-K for additional details.</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%">Identifiable intangible assets at the acquisition date of Scholly included definite life intangible assets with an aggregate fair value of approximately $11&#160;million, including trade name and trademarks, developed technology, customer relationships, and partner relationships.</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%">See &#8220;&#8212;Goodwill and Acquired Intangible Assets&#8221; in this Note 2 and Note 8, &#8220;Goodwill and Acquired Intangible Assets&#8221; in this Form 10-K for additional details. </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%">Goodwill and Acquired Intangible Assets</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%">Acquisitions are accounted for under the acquisition method of accounting, which results in the Company allocating the purchase price to the fair value of the acquired assets, liabilities, and non-controlling interests, if any, with the remaining purchase price allocated to goodwill. </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%">Goodwill is not amortized but is tested periodically for impairment. We test goodwill for impairment annually in the fourth quarter of the year, or more frequently if we believe that indicators of impairment exist. We complete a goodwill impairment analysis, which may be a qualitative or a quantitative analysis depending on the facts and circumstances associated with the reporting unit. In conjunction with a qualitative impairment analysis, we assess relevant qualitative factors to determine whether it is &#8220;more-likely-than-not&#8221; that the fair value of a reporting unit is less than its carrying amount. The &#8220;more-likely-than-not&#8221; threshold is defined as having a likelihood of more than 50 percent. If, based on first assessing impairment utilizing a qualitative approach, we determine it is &#8220;more-likely-than not&#8221; that the fair value of the reporting unit is less than its carrying amount, we will also complete a quantitative impairment analysis. In conjunction with a quantitative impairment analysis, we compare the fair value of the reporting unit to the reporting unit&#8217;s carrying value, including goodwill. If the carrying value of the reporting unit exceeds the fair value, goodwill is impaired in an amount equal to the amount by which the carrying value exceeds the fair value of the reporting unit, but not to exceed the goodwill amount attributed to the reporting unit. </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%">Acquired intangible assets include trade names and trademarks, customer relationships, developed technology, and partner relationships. Our acquired intangible assets have finite lives and are amortized over their estimated useful lives in proportion to their estimated economic benefit. We review our long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of such assets may not be recoverable.</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%">See Note 8, &#8220;Goodwill and Acquired Intangible Assets&#8221; in this Form 10-K for additional details.  </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 generally 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="margin-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 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:5pt;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:5pt;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:5pt;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 </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%">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 paid the U.S. Department of Education (the &#8220;DOE&#8221;) an annual 105 basis point Consolidation Loan Rebate Fee on FFELP consolidation loans, which was 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%">For loans not currently in full principal and interest repayment status or interest-only repayment status, we recognize the allowance for the portion of uncollectible interest representing amounts to be capitalized after separation from school and the expiration of the grace period to the provisions for credit losses and classify this allowance as part of our 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 allowance for the portion of uncollectible interest on loans making full interest payments estimates the additional uncollectible interest that is not captured in the allowance for credit losses and 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. However, if it is determined that an individual loan or pool of loans is high risk, they may be placed on nonaccrual status, which entails stopping the accrual of interest on those loans until such time that the borrower(s) have made a sufficient number of payments (typically six months) to return to accrual status. At December 31, 2024, we had an immaterial amount of loans in nonaccrual status. At December 31, 2023, we also had an immaterial amount of 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:5pt;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  and other fees, adjusted for the amortization of issuance costs, premiums, and discounts. We incur interest expense on interest-bearing deposits comprised of non-maturity savings deposits, brokered and retail CDs, brokered and retail MMDAs, as well as unsecured and secured financings. Our Private Education Loan multi-lender secured borrowing facility (the &#8220;Secured Borrowing Facility&#8221;) also incurs an unused facility fee on the amount of unfunded commitments. Interest expense is recognized when amounts are contractually due and is adjusted for net payments/receipts related to qualifying interest rate swap agreements designated as hedges of interest-bearing liabilities. &#160;Interest expense also includes the amortization of deferred gains and losses on closed qualifying hedge transactions.  Amortization of debt issuance costs, premiums, discounts, and terminated hedge-basis adjustments are recognized using the effective interest rate method. Refer to Note 9, &#8220;Deposits,&#8221; and Note 10, &#8220;Borrowings&#8221; in this Form 10-K 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: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 participate and sell loans to third parties and affiliates. These sales may occur through whole loan sales or securitization transactions that qualify for sale 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: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:5pt;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, income for servicing private student loans for third parties, and changes to our tax indemnification receivable from Navient. Other income also included fees related to our Credit Card program. At </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%">September 30, 2022, we transferred our Credit Card portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023.</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:5pt;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, the transaction does not meet the criteria for sale treatment and is accounted for as an on-balance sheet secured borrowing. If a securitization qualifies as a sale, we assess whether Sallie Mae is the primary beneficiary of the securitization trust and thus required to consolidate the 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. As there is not a bright-line test for determining significance, the assessment of who has the power to significantly direct the activities of the VIE, and who has the obligation to absorb losses or receive benefits material to the VIE, can be qualitative and judgmental in nature. If we are determined to be the primary beneficiary, then no gain or loss is recognized on the 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-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:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2024 and 2023, 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:5pt;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. We may also be responsible for indemnities in other instances for such things as willful misfeasance or bad faith. </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 2024 and 2023, we also closed several loan sales and securitization transactions that were not consolidated on our balance sheet due to the transaction having met the criteria for sales treatment and Sallie Mae not being the primary beneficiary. In these transactions, we removed loans from our consolidated balance sheet and recognized any assets retained and liabilities assumed at fair value, and recorded 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 10, &#8220;Borrowings &#8212; Unconsolidated Funding Vehicles&#8221; in this Form 10-K. </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:5pt;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 11, &#8220;Derivative Financial Instruments&#8221; in this Form 10-K), 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, 2024, $850 million notional of our derivative contracts were cleared on the CME and $71 million were cleared on the LCH. The derivative contracts cleared </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%">through the CME and LCH represent 92.3 percent and 7.7 percent, respectively, of our total notional derivative contracts of $921 million at December&#160;31, 2024.</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, 2024 was $(22) million and $(1) 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 either fair value hedges or cash flow hedges. </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%">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-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, 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:5pt;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 SOFR. 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:5pt;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 began to use alternatives to LIBOR before LIBOR was no longer published, for cash flow hedges of forecasted LIBOR based payments, we 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 assess 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 would not be replaced for the remainder of the hedging relationship when assessing hedge effectiveness.</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: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 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 shorter of the vesting period of the stock-based grant or the employee&#8217;s retirement eligible date. 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: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:5pt;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:5pt;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:5pt;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: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%">Recently Adopted Accounting Pronouncements</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 November 2023, the FASB issued ASU No. 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. The ASU improves reportable segment disclosure requirements and requires enhanced disclosures about significant segment expenses. We adopted this amendment as of December 31, 2024, on a retrospective basis. See Note 22, &#8220;Segment Reporting&#8221; in this Form 10-K for additional details on the impact of adoption of the ASU. </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%">Recently Issued Accounting Pronouncements</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 December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The ASU requires entities to disclose specific categories in the effective tax rate reconciliation and provide additional information for reconciling items where the effect of those reconciling items is equal to or greater than 5 percent of the amount computed by multiplying pretax income/loss by the applicable statutory income tax rate. Additionally, entities are required to disclose the year-to-date amount of income taxes paid (net of refunds received) disaggregated by jurisdiction. The standard is effective for fiscal years beginning after December 15, 2024. We do not expect the impact of this ASU to be material to our consolidated financial statements. </span></div>In November 2024, the FASB issued ASU No. 2024-03, Income Statement-Reporting Comprehensive Income-Expense Disaggregation Disclosure (Subtopic 220-40): Disaggregation of Income Statement Expenses. The ASU is intended to provide more detailed information about specified categories of expenses (purchases of inventory, employee compensation, depreciation and amortization) included in certain expense captions presented on the consolidated statements of income. The guidance in this standard is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted. We are currently evaluating the impact of the ASU on our consolidated financial statements.<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_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_SignificantAccountingPoliciesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for all significant accounting policies of the reporting entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483426/235-10-50-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 235<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/235/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SignificantAccountingPoliciesTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>34
<FILENAME>R12.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692505554528">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Cash and Cash Equivalents<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAbstract', window );"><strong>Cash and Cash Equivalents [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="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsDisclosureTextBlock', window );">Cash and Cash Equivalents</a></td>
<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, 2024, cash and cash equivalents include cash due from the FRB of $4.6 billion and cash due from depository institutions of $57 million. As of December&#160;31, 2023, cash and cash equivalents include cash due from the FRB of $4.1 billion and cash due from depository institutions of $41 million. As of December&#160;31, 2024 and 2023, 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 2024 or 2023, resulting in no interest reported. As of December&#160;31, 2024 and 2023, no funds were on deposit with the FRB under this program.</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_us-gaap_CashAndCashEquivalentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_CashAndCashEquivalentsDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsDisclosureTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>35
<FILENAME>R13.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692500776720">
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock', window );">Investments</a></td>
<td class="text">Investments<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%">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 are 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 residual classes, which we classify as trading investments 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-weight:400;line-height:120%">At December 31, 2022, we had a $5&#160;million investment in a convertible debt security classified as a trading investment. In March 2023, this security, and the related accrued interest, was converted into equity securities classified as 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%">At December 31, 2024 and 2023, we had $53&#160;million and $54 million, respectively, classified as trading investments. </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%">Available-for-Sale Investments </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-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-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: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, 2024<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" 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%">516,358&#160;</span></td><td style="background-color:#ffffff;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%">205&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(73,235)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">443,328&#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%">2,849&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(490)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,359&#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%">948,009&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(32,265)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">915,744&#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%">575,257&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">8,633&#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%">(12,095)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">571,795&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,042,473&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">&#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><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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,838&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(118,085)</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%">1,933,226&#160;</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, 2023<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%">468,204&#160;</span></td><td style="background-color:#ffffff;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%">703&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(62,480)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">406,427&#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%">3,408&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(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%">3,129&#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%">1,645,609&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(66,870)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,578,739&#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%">446,763&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">603&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(24,039)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">423,327&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,563,984&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,306&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(153,668)</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%">2,411,622&#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><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:93.750%"><tr><td style="width:1.0%"></td><td style="width:31.492%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></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:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.168%"></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%">2024:</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 style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,723)</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">137,585&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(70,512)</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">290,257&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(73,235)</span></td><td style="background-color:#ffffff;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%">427,842&#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%">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%">&#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%">(490)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,359&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(490)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,359&#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%">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%">&#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%">(32,265)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">915,744&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(32,265)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">915,744&#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%">(74)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,579&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12,021)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">182,215&#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%">(12,095)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">193,794&#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%">(2,797)</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">149,164&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(115,288)</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,390,575&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(118,085)</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%">1,539,739&#160;</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%">2023:</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%">(531)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51,391&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(61,949)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">300,318&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(62,480)</span></td><td style="background-color:#ededee;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%">351,709&#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%">Utah Housing Corporation bonds</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(279)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#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%">U.S. government-sponsored enterprises and Treasuries</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%">&#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%">(66,870)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,578,739&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(66,870)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,578,739&#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 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%">(2,221)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">90,725&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(21,818)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">241,253&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(24,039)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">331,978&#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%">(2,752)</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">142,116&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(150,916)</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,123,439&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(153,668)</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%">2,265,555&#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:115%">At December&#160;31, 2024 and 2023, 236 of 278 and 213 of 248, 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 are met, the security&#8217;s amortized cost basis is written down to fair value through net 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. 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, 2024, 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:41.944%"><tr><td style="width:1.0%"></td><td style="width:45.257%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.734%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.873%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.736%"></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, 2024</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%">2025</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%">299,816&#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%">298,648&#160;</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%">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%">549,175&#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%">520,793&#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%">2027</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%">99,018&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96,303&#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%">2038</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%">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%">66&#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%">2039</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%">551&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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%">2042</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%">2,112&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,793&#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%">2043</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%">3,761&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,299&#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;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:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,085&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,651&#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%">2045</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%">4,518&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,919&#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%">2046</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%">6,953&#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%">5,965&#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%">2047</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%">6,704&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,781&#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%">2048</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%">1,702&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-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&#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%">2049</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%">14,838&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,842&#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%">2050</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%">101,145&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">78,475&#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"><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:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">144,694&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">111,058&#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%">2052</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%">58,268&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50,497&#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%">297,695&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">294,197&#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%">142,209&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">135,800&#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%">2055</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%">71,611&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70,409&#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%">2056</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%">194,173&#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="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">197,363&#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%">2058</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%">39,379&#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%">40,355&#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%">2,042,473&#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%">1,933,226&#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: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 $610 million and $612 million par value of securities pledged to this borrowing facility at December&#160;31, 2024 and 2023, respectively, as discussed further in Note 10, &#8220;Borrowings&#8221; in this Form 10-K.</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%">Other Investments</span></div><div style="margin-top:9pt;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%">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, or when observable prices are not available, use market data of similar entities, in determining any changes in the value of the securities. In the third quarter of 2024, we funded a new investment in non-marketable securities of an issuer whose securities we have not previously purchased. In March 2023, our $5&#160;million investment in a convertible debt security, classified as a trading investment, and the related accrued interest were converted into equity securities and were reclassified to investments in non-marketable securities. In the fourth quarter of 2022, we determined that our investment in an issuer whose equity securities we purchased in the past was impaired. As such, we wrote down the value based upon an estimate of the value of these securities and recorded a loss of $60&#160;million in &#8220;gains (losses) on securities, net&#8221; in the consolidated statements of income in 2022. At December 31, 2024 and December 31, 2023, our total investment in non-marketable securities was $24&#160;million and $14&#160;million, respectively.</span></div><div style="margin-top:9pt;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%">Low Income Housing Tax Credit 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-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. These investments generate a return mostly through realization of federal tax credits and tax benefits from net operating losses on the underlying properties. We recognized $13 million, $11 million, and $9&#160;million of <span style="-sec-ix-hidden:f-827"><span style="-sec-ix-hidden:f-828">tax credits and other tax benefits</span></span> associated with investments in affordable housing projects within income tax expense for the years ended December 31, 2024, 2023, and 2022, respectively. The amount of amortization of such investments reported in <span style="-sec-ix-hidden:f-829"><span style="-sec-ix-hidden:f-830">income tax expense</span></span> was $10 million, $9&#160;million, and $7 million for the years ended December 31, 2024, 2023, and 2022, respectively. Total <span style="-sec-ix-hidden:f-834">carrying value of the LIHTC investments</span> was $82 million at December 31, 2024 and $72 million at December 31, 2023. 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, 2024 and $30 million at December 31, 2023.</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_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for investments in certain debt and equity securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 940<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/940-320/tableOfContent<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1403<br> -Paragraph b<br> -Publisher SEC<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/320/tableOfContent<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-10<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-6B<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-6B<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/942-320/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>36
<FILENAME>R14.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506088528">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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 solely of Private Education Loans as of December 31, 2024. During the third quarter of 2024, we transferred our remaining FFELP Loan portfolio to loans held for sale and subsequently sold the FFELP Loan portfolio to an unaffiliated third party during the fourth quarter of 2024. We wrote down the FFELP Loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $8 million in 2024.  </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 use &#8220;Credit Cards&#8221; to refer to the suite of Credit Card loans that we previously held. At September 30, 2022, we transferred our Credit Card portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023. We recorded a loss of $4&#160;million on the sale of the Credit Card portfolio in 2023.</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 SOFR, the Secured Overnight Financing Rate. As of December&#160;31, 2024 and December 31, 2023, 23 percent and 33 percent, respectively, of all our Private Education Loans were indexed to 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%">The following table summarizes our Private Education Loan sales to unaffiliated third parties for the periods presented.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><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:47.007%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.535%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.672%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.535%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.672%"></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:14.675%"></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 millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2022</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%">Loan principal</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%">3,418&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,927&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,126&#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></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%">Capitalized 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%">274&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">226&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">217&#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 Loans sold</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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,692&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,153&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,343&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gain on sale of loans, net</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td 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%">255&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">164&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td 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%">328&#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:12pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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 Note 10, &#8220;Borrowings &#8212; Unconsolidated Funding Vehicles&#8221; in this Form 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-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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,093,382&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">13,985,791&#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%">5,141,626&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,040,053&#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%">22,235,008&#160;</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%">21,025,844&#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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">103,070&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">81,554&#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 loan 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%">(1,435,920)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,335,105)</span></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%">20,902,158&#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><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%">19,772,293&#160;</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"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">FFELP Loans</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)</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%">&#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%">537,401&#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%">&#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%">1,330&#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 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: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%">(4,667)</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%">&#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><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%">534,064&#160;</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%">Loans held for investment, 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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,902,158&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">20,306,357&#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:6pt;padding-left:117pt;padding-right:94.5pt;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">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> FFELP Loans were transferred to loans held for sale during the third quarter of 2024 and subsequently sold to a third party during the fourth quarter of 2024.   </span></div><div style="margin-top:6pt;padding-left:117pt;padding-right:45pt;text-indent:-9pt"><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 estimated weighted average life of education loans in our portfolio was approximately 5.6 years and 5.0 years at December&#160;31, 2024 and 2023, 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 (net of unamortized premium/(discount)) and the respective weighted average interest rates of loans in our portfolio are summarized as follows:</span></div><div style="margin-top:6pt;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: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%">2024</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%">2023</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%">2022</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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,121,545&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.81&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">21,039,701&#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><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%">10.86&#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%">20,576,737&#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%">9.14&#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%">413,338&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.45&#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%">574,218&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.19&#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%">662,194&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.62&#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:#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 #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="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 #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,534,883&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;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><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 #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,613,919&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,238,931&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;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></table></div><div style="margin-top:12pt;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:112%">Over the course of the last few years, we have made significant changes to our credit administration practices, enhancing our loss mitigation programs through both our forbearance and loan modification offerings. We adjust the terms of loans for certain borrowers when we believe such changes will help our borrowers manage their student loan obligations and 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 or permanent interest rate reduction, a temporary or permanent interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment or interest-only 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%">Forbearance allows a borrower to not make scheduled payments for a specified period of time. Our forbearance policies and practices vary depending upon whether a borrower is current or delinquent at the time forbearance is requested, generally with stricter requirements for delinquent borrowers. 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%">During the first six months following a borrower&#8217;s grace period, the borrower may be eligible for extended grace forbearance, which provides temporary payment relief to give the borrower additional time to be in a position to make regular principal and interest 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:112%">Hardship forbearance may be granted in order to provide temporary payment relief to borrowers who are either current in their payments but demonstrate a need for relief, or who are delinquent in their payments but demonstrate an ability and willingness to repay their obligation.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In these circumstances, a borrower&#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, for borrowers who were current when they entered forbearance, or those who were delinquent but met specific payment requirements curing their delinquency, the borrower will enter repayment status as current.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In all instances, the borrowers are expected to begin making scheduled monthly payments at the end of their forbearance periods.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">This strategy is aimed at assisting borrowers while mitigating the risks of delinquency and default as well as encouraging resolution of delinquent loans.</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%">Disaster forbearance is used to assist borrowers affected by material events, typically federally-declared disasters, including hurricanes, wildfires, floods, and pandemics. 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:112%">Currently, we generally grant forbearance in increments of <span style="-sec-ix-hidden:f-897">one</span> to two months at a time, for up to 12 months over the life of the loan, although extended grace forbearance is typically granted in one six-month increment and disaster forbearance and certain other limited instances 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 extended grace forbearances 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%">For borrowers experiencing more severe hardship, following evaluation of their ability and willingness to repay, we currently use modification programs tailored to the financial condition of the individual borrower. Pursuant to our modification programs, we may reduce the contractual interest rate on a loan to a rate between 2 percent and 8 percent for a temporary period of <span style="-sec-ix-hidden:f-908">two</span> to four years, and in some instances may also permanently extend the final maturity of the loan. For borrowers experiencing the most severe financial conditions, we may permanently reduce the contractual interest rate on a loan to 2 percent for the remaining life of the loan and also permanently extend the final maturity of the loan.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Following modification, borrowers who are delinquent but meet specific payment requirements curing their delinquency will be brought current. We currently limit the granting of a permanent extension of the final maturity date of a loan to once over the life of the loan, and the number of interest rate reductions to twice over the life of the loan. </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 continually 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, 2024 and 2023, we had $142 million and $151 million, respectively, of Private Education Loans held for investment that were more than 90 days delinquent and continue to accrue interest.  As of December 31, 2023, $45&#160;million of FFELP Loans held for investment were more than 90 days delinquent that continued to accrue interest. We sold the FFELP Loan portfolio to an unaffiliated third party during the fourth quarter of 2024. At December&#160;31, 2024 and December 31, 2023, we had an immaterial amount of 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:8pt;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, 2024 and 2023, we had $2.3 billion and $1.4 billion, respectively, of Private Education Loans pledged to this borrowing facility, as discussed further in Note 10, &#8220;Borrowings&#8221; in this Form 10-K. We did not have any FFELP Loans pledged at December 31, 2024 or 2023. </span></div><div style="margin-top:8pt;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, 2024 and 2023, 43.8 percent and 43.5 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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2023</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%">California</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%">10.2&#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%">10.1&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><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%">New York</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.0&#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%">9.0&#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%">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%">7.1&#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%">7.2&#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%">Texas</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.3&#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%">New Jersey</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%">5.6&#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%">5.6&#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%">Florida</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><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 #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%">43.8&#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%">43.5&#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 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>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for claims held for amounts due to 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/310-10/tableOfContent<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock</td>
</tr>
<tr>
<td style="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_ReceivablesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>37
<FILENAME>R15.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506457744">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses and Unfunded Loan Commitments<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesTextBlock', window );">Allowance for Credit Losses and Unfunded Loan Commitments</a></td>
<td class="text">Allowance for Credit Losses and 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%">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. </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 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. The allowance is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. When the loan is funded, we transfer that liability to the allowance for 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%">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 allowance for credit losses considers the collectability of both principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. See &#8220;&#8212; Accrued Interest Receivable&#8221; in this Note 6 for further discussion.  </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 years ended December 31, 2024, 2023, and 2022, the allowance for loan losses, ending total loans, and accrued interest balances were all collectively evaluated for impairment, none of the balances were individually evaluated for 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%">See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses&#8221; for a more detailed discussion on our allowance for credit losses accounting policies. </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 Metrics</span></div><div style="margin-top:9pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables provide a summary of the activity in the allowance for loan losses and the allowance for unfunded loan commitments during the years ended December 31, 2024, 2023, and 2022.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="padding-left:22.5pt;padding-right:22.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.750%"><tr><td style="width:1.0%"></td><td style="width:58.253%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.503%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.136%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.503%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.964%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.503%"></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:11.138%"></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, 2024<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%">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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, 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: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%">4,667&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,335,105&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,339,772&#160;</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfer from allowance for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">311,787&#160;</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">311,787&#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%">Provisions:</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></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%">Provision for 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:8pt;font-weight:400;line-height:100%">4,010&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">357,067&#160;</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">361,077&#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%">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: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%">(235,955)</span></td><td style="background-color:#ededee;padding: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%">(235,955)</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;border-top:1pt solid #000;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">(1)</span></div></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%">4,010&#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><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%">121,112&#160;</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%">125,122&#160;</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="display:none"></td><td colspan="3" style="display:none"></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%">(380)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(376,840)</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">(377,220)</span></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%">&#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%">44,756&#160;</span></td><td style="background-color:#ededee;padding: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%">44,756&#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;border-top:1pt solid #000;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;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%">(380)</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%">(332,084)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><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%">(332,464)</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 style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Write-downs arising from transfer of loans to held for sale</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:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(8,297)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(8,297)</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;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%">Allowance for loan losses, ending balance</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: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><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%">1,435,920&#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><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%">1,435,920&#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></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></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%">&#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:8pt;font-weight:400;line-height:100%">112,962&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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:8pt;font-weight:400;line-height:100%">112,962&#160;</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:8pt;font-weight:400;line-height:100%">Provision</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)(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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">283,393&#160;</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">283,393&#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%">Transfer to allowance 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: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%">(311,787)</span></td><td style="background-color:#ededee;padding: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%">(311,787)</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;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%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></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%">&#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><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%">84,568&#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><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%">84,568&#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></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:8pt;font-weight:700;line-height:100%">Total allowance for credit losses, ending 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: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%">1,520,488&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,520,488&#160;</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></tr><tr><td colspan="3" style="background-color:#ffffff;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: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">(5)</span></div></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: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:8pt;font-weight:400;line-height:100%">&#8212;&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">2.19&#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:8pt;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 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></tr><tr><td colspan="3" 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%">Allowance for loan losses 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: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%">4.32&#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="3" style="display:none"></td><td colspan="3" style="display:none"></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%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total 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%">&#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><td colspan="2" style="background-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%">5.83&#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="display:none"></td><td colspan="3" style="display:none"></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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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: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%">&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,235,008&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(5)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">&#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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,139,184&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(5)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,106,751&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">&#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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,311,660&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accrued interest receivable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">&#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%">1,549,415&#160;</span></td><td style="background-color:#ededee;padding: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="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></table></div><div style="margin-top:3pt;padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:22.5pt;padding-right:13.5pt;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%">See &#8220;&#8212; Provisions for Credit Losses&#8221; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-left:22.5pt;padding-right:13.5pt;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%">Represents fair value adjustments on loans transferred to held for sale. </span></div><div style="margin-top:3pt;padding-left:22.5pt;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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. See &#8220;&#8212; Unfunded Loan Commitments&#8221; in this Note 6 for further discussion.</span></div><div style="margin-top:3pt;padding-left:22.5pt;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">(4) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left: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">(5) </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="margin-top:3pt;padding-left:36pt;padding-right:36pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.138%"><tr><td style="width:1.0%"></td><td style="width:55.834%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.600%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.498%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.529%"></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:12.481%"></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, 2023<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%">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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, 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: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%">3,444&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,353,631&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,357,075&#160;</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfer from allowance for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">320,237&#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="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:8pt;font-weight:400;line-height:100%">320,237&#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%">Provisions:</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></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%">Provision for 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:8pt;font-weight:400;line-height:100%">2,224&#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="2" style="background-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%">240,347&#160;</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">242,571&#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%">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: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%">(205,383)</span></td><td style="background-color:#ededee;padding: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%">(205,383)</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;border-top:1pt solid #000;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">(1)</span></div></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%">2,224&#160;</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%">34,964&#160;</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%">37,188&#160;</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="display:none"></td><td colspan="3" style="display:none"></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%">(1,001)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(420,095)</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">(421,096)</span></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%">&#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%">46,368&#160;</span></td><td style="background-color:#ededee;padding: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%">46,368&#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;border-top:1pt solid #000;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;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%">(1,001)</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%">(373,727)</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%">(374,728)</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></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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, ending balance</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:8pt;font-weight:400;line-height:100%">4,667&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,335,105&#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><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:8pt;font-weight:400;line-height:100%">1,339,772&#160;</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;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%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;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="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%">&#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><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%">124,924&#160;</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%">124,924&#160;</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 style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision</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)(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%">&#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%">308,275&#160;</span></td><td style="background-color:#ededee;padding: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%">308,275&#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%">Transfer to allowance for loan 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%">&#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:8pt;font-weight:400;line-height:100%">(320,237)</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">(320,237)</span></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;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%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;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="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%">&#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:8pt;font-weight:400;line-height:100%">112,962&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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:8pt;font-weight:400;line-height:100%">112,962&#160;</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;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%">Total allowance for credit losses, ending balance</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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,667&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,448,067&#160;</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 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%">1,452,734&#160;</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></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: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">(4)</span></div></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: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:8pt;font-weight:400;line-height:100%">0.23&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">2.44&#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:8pt;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 colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">Allowance for loan losses 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%">4.66&#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:8pt;font-weight:400;line-height:100%">3.57&#160;</span></td><td style="background-color:#ffffff;padding: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="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%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest 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:8pt;font-weight:400;line-height:100%">0.87&#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: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%">5.89&#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="display:none"></td><td colspan="3" style="display:none"></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="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 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: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%">537,401&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,025,844&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">433,225&#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 style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,310,934&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">406,568&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,409,814&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unfunded loan commitments</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,221,077&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accrued interest receivable</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">&#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: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%">1,354,565&#160;</span></td><td style="background-color:#ffffff;padding: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="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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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></table></div><div style="margin-top:3pt;padding-left:31.5pt;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 &#8220;&#8212; Provisions for Credit Losses&#8221; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. See &#8220;&#8212; Unfunded Loan Commitments&#8221; in this Note 6 for further discussion.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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">(4) </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-9pt"><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:45.748%"></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:10.504%"></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:13.226%"></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:11.364%"></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:11.366%"></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, 2022<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="border-top:1pt solid #000;padding:2px 1pt;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</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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, 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: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 style="background-color:#ededee;border-top:1pt 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%">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></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%">Transfer from allowance for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">344,310&#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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">344,310&#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%">Provisions:</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></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%">Provision for 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:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">410,254&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">3,301&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">413,535&#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%">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: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%">(174,231)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(174,231)</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%">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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(2,372)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(2,372)</span></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;border-top:1pt solid #000;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">(1)</span></div></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%">(20)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">236,023&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">929&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">236,932&#160;</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: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="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 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%">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:8pt;font-weight:400;line-height:100%">(613)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(427,416)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(3,215)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(431,244)</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%">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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">41,737&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">41,742&#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;border-top:1pt solid #000;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;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%">(613)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(385,679)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(3,210)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(389,502)</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></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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, ending balance</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:8pt;font-weight:400;line-height:100%">3,444&#160;</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%">1,353,631&#160;</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%">&#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><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%">1,357,075&#160;</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;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%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;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="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%">&#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:8pt;font-weight:400;line-height:100%">72,713&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">&#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:8pt;font-weight:400;line-height:100%">72,713&#160;</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:8pt;font-weight:400;line-height:100%">Provision</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)(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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">396,521&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">396,521&#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%">Transfer to allowance 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: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%">(344,310)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(344,310)</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;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%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;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="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%">&#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><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%">124,924&#160;</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%">&#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><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%">124,924&#160;</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;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%">Total allowance for credit losses, ending 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: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%">3,444&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,478,555&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,481,999&#160;</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></tr><tr><td colspan="3" style="background-color:#ffffff;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: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">(4)</span></div></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: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:8pt;font-weight:400;line-height:100%">0.12&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">2.55&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">&#8212;&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">Allowance for loan losses 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:8pt;font-weight:400;line-height:100%">5.62&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">3.51&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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="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%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total 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%">0.57&#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%">6.30&#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%">&#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><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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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: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%">609,050&#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 style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,303,688&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="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">(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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">517,139&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">15,103,123&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ending loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">453,915&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,129,550&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="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%">Unfunded loan commitments</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,995,808&#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 style="background-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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accrued interest receivable</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,177,562&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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="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></table></div><div style="margin-top:3pt;padding-right:3.6pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:31.5pt;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 &#8220;&#8212; Provisions for Credit Losses&#8221; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. See &#8220;&#8212; Unfunded Loan Commitments&#8221; in this Note 6 for further discussion.</span><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></div><div style="margin-top:3pt;padding-left:31.5pt;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%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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">(4) </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="margin-top:3pt;padding-right:3.6pt;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%">Provisions for Credit 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%">Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:6pt;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:76.527%"><tr><td style="width:1.0%"></td><td style="width:50.624%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.689%"></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:13.419%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.707%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.966%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" 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:8pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</span></td><td colspan="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:5pt"><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="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,</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="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="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2024</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:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</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:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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:8pt;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><td 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:8pt;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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121,112&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">34,964&#160;</span></td><td style="background-color:#ffffff;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%">236,023&#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:8pt;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:8pt;font-weight:400;line-height:100%">283,393&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">308,275&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">396,521&#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%">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:8pt;font-weight:400;line-height:100%">404,505&#160;</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%">343,239&#160;</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%">632,544&#160;</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%">Other impacts to the provisions 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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;font-weight:400;line-height:100%">4,010&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">2,224&#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="2" style="background-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%">(20)</span></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:8pt;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: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%">929&#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:8pt;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:8pt;font-weight:400;line-height:100%">4,010&#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><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%">2,224&#160;</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%">909&#160;</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%">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: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%">408,515&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345,463&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">633,453&#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:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The provision for credit losses for the year ended December 31, 2024 was $409&#160;million, compared with $345&#160;million in the year-ago period. During 2024, the provision for credit losses was primarily affected by new loan commitments, net of expired commitments, and changes in recovery rates, which were partially offset by $236&#160;million in negative provisions recorded as a result of the approximately $3.69&#160;billion in Private Education Loan sales during 2024, an improved economic outlook, and changes in 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-weight:400;line-height:120%">In 2023, the provision for credit losses was primarily affected by new loan commitments, net of expired commitments, slower prepayment rates, management overlays, and changes in economic outlook, which were partially offset by $205&#160;million in negative provisions recorded as a result of the approximately $3.15&#160;billion in Private Education Loan sales during 2023 and an increase in recovery rates (as the result of a change in our defaulted loan recovery process). </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 2022, the provision for credit losses was primarily affected by new loan commitments made during the period, slower than expected prepayment rates, and additional management overlays, which were partially offset by negative provisions recorded related to approximately $3.34&#160;billion in Private Education Loans sold in 2022 and the adoption of a new loss model that included a reduction in the long-term estimate of losses after the reasonable and supportable period. Management overlays increased in 2022 due to several factors, including additional provisions arising from our expectation of higher future losses related to the previously announced credit administration practices changes we implemented in 2021, &#8220;gap year&#8221; loans, a shortage and lack of tenured collections staff, and other operational challenges we experienced in 2022.  &#8220;Gap year&#8221; loans refer to loans to borrowers who took a &#8220;gap year&#8221; during the COVID-19 pandemic and entered full principal and interest repayment status starting in late 2021 and early 2022. Losses on those &#8220;gap year&#8221; loans were higher than expected and contributed to the higher provision expense recorded in 2022 to cover the higher-than-expected losses.  </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:400;line-height:120%">Private Education Loans Allowance for Credit Losses - Forecast Assumptions </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%">See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses&#8221; for a more detailed discussion on the forecast assumptions used in calculating the allowance for credit losses. </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:400;line-height:120%">Loan Modifications to Borrowers Experiencing Financial Difficulty</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 allowance for credit losses incorporates an estimate of lifetime expected credit losses and is recorded on each asset upon asset origination or acquisition. The starting point for the estimate of the allowance for credit losses is historical information, which includes losses from modifications of receivables whose borrowers are experiencing financial difficulty. We use a discounted cash flow model to determine the allowance for credit losses. An assessment of whether a borrower is experiencing financial difficulty is made on the date of a modification.</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 effect of most modifications of loans made to borrowers who are experiencing financial difficulty is already included in the allowance for credit losses because of the measurement methodologies used to estimate the allowance. The forecast of expected future cash flows is updated as the loan modifications occur.</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, we deem loans greater than 90 days past due as 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 did not deem FFELP Loans as nonperforming from a credit risk perspective at any point in their life cycle prior to claim payment and continued 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%">For additional information, see Note 2, &#8220;Significant Accounting Policies &#8212;Allowance for Credit Losses&#8221; in this Form 10-K. </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%">Under our current forbearance practices, temporary forbearance of payments is generally granted in <span style="-sec-ix-hidden:f-1175">one</span>-to-two month increments, for up to 12 months over the life of the loan, with 12 months of positive payment performance by a borrower required between grants (meaning the borrower must make payment in a cumulative amount equivalent to 12 monthly required payments under the loan). During the first six months following a borrower&#8217;s grace period, the borrower may be eligible for extended grace forbearance in one six-month increment (which would also count towards the 12-month forbearance cap). See Note 5, &#8220;Loans Held for Investment &#8212; Certain Collection Tools - Private Education Loans&#8221; in this Form 10-K. In the first quarter of 2022, we adopted ASU No. 2022-02. Under this ASU, if the debt has been previously restructured, an entity must consider the cumulative effect of past restructurings made within the 12-month period before the current restructuring when determining whether a delay in payment resulting from the current restructuring is insignificant. Due to our current forbearance practices, including the limitations on forbearances offered to borrowers, we do not believe the granting of forbearances will exceed the significance threshold and, therefore, we do not consider the forbearances as loan modifications. </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 offer certain administrative forbearances (e.g., death and disability, bankruptcy, military service, disaster forbearance, and in school assistance) that are required by law (such as by the Servicemembers Civil Relief Act), are considered separate from our active loss mitigation programs, or do not exceed the significance threshold and therefore are not considered to be loan modifications requiring disclosure under ASU No. 2022-02. In addition, we may offer on a limited basis term extensions or rate reductions or a combination of both to borrowers to reduce consolidation activities. For purposes of this disclosure, we do not consider them modifications of loans to borrowers experiencing financial difficulty and they therefore are not included in the tables 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%">For additional information on our forbearance and modification programs, see Note 5, &#8220;Loans Held for Investment &#8212;Certain Collection Tools &#8212; Private Education Loans&#8221; in this Form 10-K. </span></div><div style="margin-bottom:12pt;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%">As part of the additional modification programs that were launched in the fourth quarter of 2023, we also offered for a short period of time a permanent term extension with no interest rate reduction program. This program ended in the fourth quarter of 2023. The amortized cost of this program totaled $7.3&#160;million as of December 31, 2024, representing 0.03 percent of the total Private Education Loan portfolio. This program added a weighted average of 6.7 years to the life of loans in the program. As of December 31, 2024, $6.0 million of these loans were in a current or deferred status, $0.6 million of these loans were 30-59 days past due, $0.4 million of these loans were 60-89 days past due, and $0.3 million of these loans were 90 days or greater past due. As of December 31, 2024, the defaulted amount and amortized cost basis of loans that received a permanent term extension and no interest rate reduction and defaulted during the year ended December 31, 2024 and were modified for borrowers experiencing financial difficulty during the twelve months prior to default were $2.5 million and $2.0 million, respectively. Additionally, loans that received a permanent term extension with no interest rate reduction in the fourth quarter of 2023 that were both modified and subsequently charged-off during the twelve months ended December 31, 2024 are not included in the amortized cost basis and had an amortized cost basis of $0.6 million.</span></div><div style="margin-bottom:12pt;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 show the amortized cost basis at the end of the respective reporting periods of the loans to borrowers experiencing financial difficulty that were modified during the period, disaggregated by class of financing receivable and type of modification. When we approve a Private Education Loan at the beginning of an academic year, we do not always disburse the full amount of the loan at the time of 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 consider borrowers to be in financial difficulty after they have exited school and have difficulty making their scheduled principal and interest payments. The increase in loan modifications during the year ended December 31, 2024 compared to the year-ago period is primarily due to additional modification programs implemented in the fourth quarter of 2023 and subsequent refinements to those programs.</span></div><div style="margin-bottom:12pt;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%">       </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:32.177%"></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:14.207%"></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:14.207%"></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:14.207%"></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:14.212%"></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="21" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Modifications Made to Borrowers Experiencing Financial Difficulty</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:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2024<br/>(dollars in thousands)</span></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Rate Reduction</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Combination - Interest Rate Reduction and Term Extension</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Type:</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">Amortized Cost Basis</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">% of Total Class of Financing 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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost Basis</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">% of Total Class of Financing Receivable</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%">31,966&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">0.13&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,003,089&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.20&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">31,966&#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:9pt;font-weight:400;line-height:100%">0.13&#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 style="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%">1,003,089&#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:9pt;font-weight:400;line-height:100%">4.20&#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="margin-bottom:12pt;margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-bottom:12pt;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:83.472%"><tr><td style="width:1.0%"></td><td style="width:32.177%"></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:14.207%"></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:14.207%"></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:14.207%"></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:14.212%"></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="21" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Modifications Made to Borrowers Experiencing Financial Difficulty</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:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2023<br/>(dollars in thousands)</span></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Rate Reduction</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Combination - Interest Rate Reduction and Term Extension</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Type:</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">Amortized Cost Basis</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">% of Total Class of Financing 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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost Basis</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">% of Total Class of Financing Receivable</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%">48,637&#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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.22&#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><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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">331,889&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.48&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">48,637&#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:9pt;font-weight:400;line-height:100%">0.22&#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 style="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%">331,889&#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:9pt;font-weight:400;line-height:100%">1.48&#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><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></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></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%">The following tables describe the financial effect of the modifications made to loans whose borrowers are experiencing financial difficulty: </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:6pt;text-indent:24.75pt"><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:25.000%"></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:23.634%"></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:22.572%"></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:22.120%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" 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%">Year Ended December 31, 2024</span></td></tr><tr><td colspan="9" style="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%">Interest Rate Reduction</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="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%">Combination - Interest Rate <br/>Reduction and Term Extension</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%">Loan Type</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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Financial Effect</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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Loan Type</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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Financial Effect</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%">Private Education Loans</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:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reduced average contractual rate from 13.22% to 3.79%</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: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 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:9pt;font-weight:400;line-height:100%">Added a weighted average 9.23 years to the life of loans</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:100%">Reduced average contractual rate from 12.71% to 3.66%</span></div></td></tr></table></div><div style="margin-top:6pt;text-indent:24.75pt"><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:25.000%"></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:23.634%"></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:22.572%"></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:22.120%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" 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%">Year Ended December 31, 2023</span></td></tr><tr><td colspan="9" style="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%">Interest Rate Reduction</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="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%">Combination - Interest Rate <br/>Reduction and Term Extension</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%">Loan Type</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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Financial Effect</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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Loan Type</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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Financial Effect</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%">Private Education Loans</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:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reduced average contractual rate from 13.37% to 4.00%</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: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 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:9pt;font-weight:400;line-height:100%">Added a weighted average 10.20 years to the life of loans</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:100%">Reduced average contractual rate from 12.92% to 4.00%</span></div></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></table></div><div style="margin-top:6pt;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:112%">Private Education Loans are charged off at the end of the month in which they reach 120 days delinquent or otherwise when the loans are classified as a loss by us or our regulator. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount. See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses &#8212; Allowance for Private Education Loan Losses&#8221; and &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses &#8212;  Allowance for FFELP Loan Losses&#8221; in this Form 10-K for a more detailed discussion.</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 the periods presented, the following table presents the defaulted amount and period-end amortized cost basis, by modification category, of loans that defaulted during the period and were modified for borrowers experiencing financial difficulty during the 12 months preceding default. Solely for the purpose of the below table, starting in the quarter ended December 31, 2024, we changed our definition of payment default to be two missed consecutive post-modification payment obligations. As such, as reflected for the year ended December 31, 2024 below, defaulted amount represents the principal amount of modified loans at the time the borrower missed two consecutive post-modification payment obligations during the period. Previously, as reflected for the year ended December 31, 2023 in the table below, defaulted amount represented the principal amount of modified loans at the time they became 60 days or more past due in the relevant period. Loans that were both modified and subsequently charged-off during the twelve months ended December 31, 2024 are not included in the period-end amortized cost basis and had an amortized cost basis of $40.4 million at the time of charge-off. The increase in loan modifications during the year ended December 31, 2024 compared to the year-ago period is primarily due to the additional modification programs implemented in the fourth quarter of 2023 and subsequent refinements to those programs. The following two tables do not include loans that received a permanent term extension with no interest rate reduction during the fourth quarter of 2023, which are described earlier in this Note 6.</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:82.638%"><tr><td style="width:1.0%"></td><td style="width:29.824%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.866%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.866%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.866%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.976%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.870%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="display:none"></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2024</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2023 </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:7pt;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%">Defaulted 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:8pt;font-weight:700;line-height:100%">Period-end Amortized Cost Basis</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%">Defaulted 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:8pt;font-weight:700;line-height:100%">Period-end Amortized Cost Basis</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%">Loan Type:</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%">Private Education 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></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%">Interest Rate Reduction</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%">6,460&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,621&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">4,521&#160;</span></td><td style="background-color:#ededee;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%">4,174&#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%">Combination - Interest Rate Reduction and Term Extension</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">143,300&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">114,307&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,341&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,798&#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%">149,760&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">118,928&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">30,862&#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%">28,972&#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></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></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></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%">We closely monitor performance of the loans to borrowers experiencing financial difficulty that are modified to understand the effectiveness of the modification efforts. The following table depicts the performance of loans that have been modified during the respective reporting periods (the twelve months ended December 31, 2024 and 2023, respectively).</span></div><div style="margin-top:6pt;text-indent:24.75pt"><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:41.514%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.686%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.349%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.275%"></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:14.349%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.279%"></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="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:8pt;font-weight:700;line-height:100%">Twelve Months Ended<br/>December 31, 2024</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:8pt;font-weight:700;line-height:100%">Twelve Months Ended<br/>December 31, 2023</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:7pt;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%">Balance</span></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:8pt;font-weight:400;line-height:100%">%</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%">Balance</span></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:8pt;font-weight:400;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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Payment Status (Amortized Cost Basis)</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)</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">:</span></div></td><td 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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loan modifications in 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">(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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,645&#160;</span></td><td style="background-color:#ffffff;padding: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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,843&#160;</span></td><td style="background-color:#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%">Loan modifications 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></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans current</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)(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%">826,007&#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%">83&#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%">334,967&#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%">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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><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">(3)(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%">77,446&#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%">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="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,205&#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%">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"><div style="padding-left:6pt"><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">(3)(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%">43,484&#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%">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: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%">7,689&#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%">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:6pt"><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">(3)(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%">54,473&#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%">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%">13,822&#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%">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%">Total loan modifications 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%">1,001,410&#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="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;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;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%">373,683&#160;</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="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;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;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 Loan modifications</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%">1,035,055&#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:3pt double #000;padding:0 1pt"></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%">380,526&#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:3pt double #000;padding:0 1pt"></td></tr></table></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: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">Loans that were both modified and subsequently charged-off during the twelve months ended December 31, 2024 and 2023 are excluded from the table and had an amortized cost basis of $40.4&#160;million and $8.4&#160;million, respectively. Additionally, loans that received a permanent term extension with no interest rate reduction during the fourth quarter of 2023 are excluded from the table.</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: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">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make full principal and interest payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation). Deferment also includes loans that have entered a forbearance after the loan modification was granted.</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:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt">Represents loans in repayment, which include 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:7pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt">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%">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%">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 approval/first disbursement, stratified by key credit quality indicators. </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: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, 2024 <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 Approval</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%">2024</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%">2023</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%">2022</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%">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:top"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019 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%">4,519,952&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,707,685&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,741,871&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,759,261&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,151,751&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,642,019&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">19,522,539&#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%">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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">504,640&#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%">613,825&#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%">443,376&#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%">310,175&#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%">222,245&#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%">618,208&#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%">2,712,469&#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%">12&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,024,592&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,321,510&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,185,247&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,069,436&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,373,996&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,260,227&#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%">22,235,008&#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%">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><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 Approval</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%">293,025&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">394,962&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">261,589&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">155,661&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">94,355&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">475,186&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,674,778&#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%">8&#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%">615,617&#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%">753,548&#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%">449,214&#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%">285,181&#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%">197,205&#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%">898,535&#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%">3,199,300&#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%">14&#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%">1,525,547&#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%">1,641,641&#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%">998,834&#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%">660,373&#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%">451,695&#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%">1,782,121&#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%">7,060,211&#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%">32&#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%">2,590,403&#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%">2,531,359&#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%">1,475,610&#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%">968,221&#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%">630,741&#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%">2,104,385&#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%">10,300,719&#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%">46&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,024,592&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,321,510&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,185,247&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,069,436&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,373,996&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,260,227&#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%">22,235,008&#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%">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><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%">453,705&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">666,049&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">467,562&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">301,367&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">194,124&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">831,053&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,913,860&#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%">13&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">633,749&#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%">710,546&#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%">409,808&#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%">248,325&#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%">138,730&#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%">578,639&#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%">2,719,797&#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%">12&#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 style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,485,771&#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%">1,512,643&#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%">879,450&#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%">563,941&#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%">362,715&#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%">1,398,737&#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%">6,203,257&#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%">28&#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%">2,451,367&#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%">2,432,272&#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%">1,428,427&#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%">955,803&#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%">678,427&#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%">2,451,798&#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%">10,398,094&#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%">47&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,024,592&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,321,510&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,185,247&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,069,436&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,373,996&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,260,227&#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%">22,235,008&#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%">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><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%">2,860,113&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">774,471&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">499,812&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">280,154&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">159,762&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">324,506&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,898,818&#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%">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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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><td colspan="3" style="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%">2,729,334&#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%">372,496&#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%">191,989&#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%">122,938&#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%">340,556&#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%">3,757,313&#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%">17&#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%">25-36 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%">&#8212;&#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%">&#8212;&#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%">1,564,157&#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%">254,068&#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%">110,952&#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%">429,127&#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%">2,358,304&#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%">11&#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%">37-48 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%">&#8212;&#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%">&#8212;&#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%">&#8212;&#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%">987,977&#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%">170,051&#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%">451,494&#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%">1,609,522&#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%">7&#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%">&#8212;&#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%">&#8212;&#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%">&#8212;&#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%">&#8212;&#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%">625,916&#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%">3,262,308&#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%">3,888,224&#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%">17&#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%">2,164,479&#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%">1,817,705&#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%">748,782&#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%">355,248&#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%">184,377&#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%">452,236&#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%">5,722,827&#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%">26&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,024,592&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,321,510&#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><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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,185,247&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,069,436&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,373,996&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,260,227&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">22,235,008&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">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><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%">2024 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%">(1,826)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(29,094)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(68,454)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(53,697)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(37,318)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(186,451)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(376,840)</span></td><td style="background-color:#ededee;padding: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%">2024 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%">117&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,191&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,487&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,771&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,840&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">26,350&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">44,756&#160;</span></td><td style="background-color:#ffffff;padding: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%">2024 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,709)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(26,903)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(61,967)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(47,926)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(33,478)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(160,101)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(332,084)</span></td><td style="background-color:#ededee;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 approval 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%">195,291&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">484,531&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">325,962&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">197,504&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">106,565&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">239,562&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,549,415&#160;</span></td><td style="background-color:#ededee;padding: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 2024.</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, 2024 through December 31, 2024.</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></div><div style="text-align:center"><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, 2023 <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 Approval</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%">2023</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%">2022</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%">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 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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,903,676&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,428,163&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,516,380&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,535,308&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,378,699&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,529,768&#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%">18,291,994&#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%">87&#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%">586,443&#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%">660,576&#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%">421,042&#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%">283,781&#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%">253,601&#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%">528,407&#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%">2,733,850&#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%">13&#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%">4,490,119&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,088,739&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,937,422&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,819,089&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,632,300&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,058,175&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">21,025,844&#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%">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><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 Approval</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">328,199&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">395,526&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">208,696&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">118,935&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">137,494&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">451,613&#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%">1,640,463&#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%">8&#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%">635,642&#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%">704,642&#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%">400,744&#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%">254,762&#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%">257,840&#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%">868,777&#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%">3,122,407&#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%">15&#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%">1,383,779&#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%">1,586,783&#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%">934,033&#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%">590,401&#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%">545,333&#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%">1,709,299&#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%">6,749,628&#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%">32&#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%">2,142,499&#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%">2,401,788&#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%">1,393,949&#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%">854,991&#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%">691,633&#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%">2,028,486&#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%">9,513,346&#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%">45&#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%">4,490,119&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,088,739&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,937,422&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,819,089&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,632,300&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,058,175&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">21,025,844&#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%">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><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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">495,451&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">638,381&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">379,738&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">217,956&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">214,665&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">791,875&#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%">2,738,066&#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%">13&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">616,684&#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%">672,777&#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%">365,674&#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%">193,462&#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%">176,963&#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%">564,245&#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%">2,589,805&#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%">12&#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 style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,347,094&#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%">1,477,310&#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%">836,747&#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%">498,414&#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%">445,244&#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%">1,361,073&#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%">5,965,882&#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%">28&#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%">2,030,890&#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%">2,300,271&#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%">1,355,263&#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%">909,257&#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%">795,428&#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%">2,340,982&#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%">9,732,091&#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%">47&#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%">4,490,119&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,088,739&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,937,422&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,819,089&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,632,300&#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:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,058,175&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">21,025,844&#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><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%">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><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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,514,079&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">740,450&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">440,293&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">245,631&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">208,941&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">332,608&#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%">4,482,002&#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%">21&#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%">&#8212;&#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%">2,675,956&#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%">303,045&#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%">167,532&#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%">165,577&#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%">384,760&#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%">3,696,870&#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%">18&#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%">25-36 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%">&#8212;&#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%">&#8212;&#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%">1,524,834&#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%">195,091&#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%">129,571&#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%">456,448&#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%">2,305,944&#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%">11&#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%">37-48 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%">&#8212;&#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%">&#8212;&#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%">&#8212;&#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%">902,938&#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%">208,521&#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%">446,350&#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%">1,557,809&#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%">7&#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%">&#8212;&#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%">&#8212;&#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%">&#8212;&#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%">116&#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%">706,097&#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%">2,985,015&#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%">3,691,228&#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%">18&#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%">1,976,040&#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%">1,672,333&#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%">669,250&#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%">307,781&#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%">213,593&#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%">452,994&#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%">5,291,991&#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%">25&#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%">4,490,119&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,088,739&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,937,422&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,819,089&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,632,300&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,058,175&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">21,025,844&#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%">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><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%">2023 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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,812)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(31,032)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(70,331)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(49,624)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(50,585)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(216,711)</span></td><td style="background-color:#ededee;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%">(420,095)</span></td><td style="background-color:#ededee;padding: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%">2023 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%">172&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,342&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,496&#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:7pt;font-weight:400;line-height:100%">4,923&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,260&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">27,175&#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:7pt;font-weight:400;line-height:100%">46,368&#160;</span></td><td style="background-color:#ffffff;padding: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%">2023 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%">(1,640)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(28,690)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(63,835)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(44,701)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(45,325)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(189,536)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(373,727)</span></td><td style="background-color:#ededee;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 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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total accrued interest by origination approval 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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">177,959&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">408,800&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">269,978&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">152,094&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">116,618&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">229,116&#160;</span></td><td style="background-color:#ededee;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%">1,354,565&#160;</span></td><td style="background-color:#ededee;padding: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:middle"><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 2023.</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, 2023 through December 31, 2023.</span></div></td></tr></table></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 approval/first disbursement. 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). </span></div><div style="text-indent:22.5pt"><span><br/></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:95.555%"><tr><td style="width:1.0%"></td><td style="width:25.062%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.202%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.202%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.202%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.056%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.056%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.638%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.229%"></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 Approval 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, 2024<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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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 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%">2,164,479&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,817,705&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">748,782&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">355,248&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">184,377&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">452,236&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,722,827&#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%">19,984&#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:7pt;font-weight:400;line-height:100%">124,728&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">87,961&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">52,686&#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:7pt;font-weight:400;line-height:100%">31,575&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">88,496&#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:7pt;font-weight:400;line-height:100%">405,430&#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%">2,820,940&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,312,916&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,259,455&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,590,812&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,107,189&#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:7pt;font-weight:400;line-height:100%">4,422,021&#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:7pt;font-weight:400;line-height:100%">15,513,333&#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%">13,533&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">36,441&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">45,543&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">35,245&#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:7pt;font-weight:400;line-height:100%">27,302&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">152,684&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">310,748&#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%">3,973&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,239&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">23,359&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,365&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">10,921&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">68,878&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">140,735&#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%">1,683&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,481&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,147&#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:7pt;font-weight:400;line-height:100%">17,080&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12,632&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">75,912&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">141,935&#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%">2,840,129&#160;</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%">3,379,077&#160;</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%">2,348,504&#160;</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%">1,661,502&#160;</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%">1,158,044&#160;</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%">4,719,495&#160;</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%">16,106,751&#160;</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%">5,024,592&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,321,510&#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><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%">3,185,247&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">2,069,436&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,373,996&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,260,227&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">22,235,008&#160;</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%">47,659&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">25,599&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">10,788&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,142&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,057&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,825&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">103,070&#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%">5,072,251&#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%">5,347,109&#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%">3,196,035&#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%">2,075,578&#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%">1,378,053&#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%">5,269,052&#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%">22,338,078&#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%">(258,235)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(326,207)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(234,532)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(150,324)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(90,600)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(376,022)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,435,920)</span></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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,814,016&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,020,902&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,961,503&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,925,254&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,287,453&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,893,030&#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: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%">20,902,158&#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></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="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">56.5&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">63.5&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">73.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">80.3&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">84.3&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">89.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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%">0.7&#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: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%">2.0&#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: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%">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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#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%">4.4&#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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6.3&#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%">3.7&#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: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%">0.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.6&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.6&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.1&#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: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%">2.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.8&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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="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><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 Approval 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, 2023 <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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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 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%">1,976,040&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,672,333&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">669,250&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">307,781&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">213,593&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">452,994&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,291,991&#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">(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%">19,265&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">93,079&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">58,438&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">35,450&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">31,818&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">85,989&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">324,039&#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%">2,469,817&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,254,534&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,131,040&#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:7pt;font-weight:400;line-height:100%">1,416,069&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,323,825&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,213,986&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,809,271&#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%">17,599&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">34,627&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">37,147&#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:7pt;font-weight:400;line-height:100%">28,020&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">31,432&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">149,926&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">298,751&#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%">5,720&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">17,227&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,077&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,614&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,482&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">75,897&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">151,017&#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%">1,678&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,939&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">21,470&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,155&#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:7pt;font-weight:400;line-height:100%">16,150&#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:7pt;font-weight:400;line-height:100%">79,383&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">150,775&#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%">2,494,814&#160;</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%">3,323,327&#160;</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%">2,209,734&#160;</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%">1,475,858&#160;</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%">1,386,889&#160;</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%">4,519,192&#160;</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%">15,409,814&#160;</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%">4,490,119&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,088,739&#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><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%">2,937,422&#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 colspan="2" style="background-color:#ededee;border-top:1pt 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%">1,819,089&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,632,300&#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 colspan="2" style="background-color:#ededee;border-top:1pt 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%">5,058,175&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">21,025,844&#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></tr><tr><td colspan="3" 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%">35,616&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,556&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,465&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,809&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,556&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,552&#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:7pt;font-weight:400;line-height:100%">81,554&#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: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%">4,525,735&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,107,295&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">2,946,887&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,824,898&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,635,856&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,066,727&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">21,107,398&#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></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%">(269,642)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(335,090)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(194,104)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(118,755)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(100,111)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(317,403)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,335,105)</span></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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,256,093&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,772,205&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,752,783&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,706,143&#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><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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,535,745&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,749,324&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">19,772,293&#160;</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%">55.6&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">65.3&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">75.2&#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: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%">81.1&#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: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%">85.0&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">89.3&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">73.3&#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><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%">1.0&#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: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%">2.1&#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: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%">3.6&#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%">4.1&#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: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%">4.5&#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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6.8&#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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.9&#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: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%">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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.6&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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%">2.2&#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: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%">1.9&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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">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:95.416%"><tr><td style="width:1.0%"></td><td style="width:25.100%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.818%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.215%"></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:8.215%"></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:8.215%"></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:8.215%"></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:8.215%"></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:8.215%"></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:8.808%"></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 Approval 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, 2022 <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%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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 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%">1,827,649&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,433,322&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">578,253&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">380,639&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">219,280&#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 style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">455,910&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,895,053&#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%">16,046&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">64,360&#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:7pt;font-weight:400;line-height:100%">38,613&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">37,802&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">30,583&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">91,681&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">279,085&#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%">2,411,441&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,991,839&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,907,574&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,683,986&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,301,809&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,262,698&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,559,347&#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%">14,164&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">30,740&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">30,877&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">35,213&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">31,366&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">144,948&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">287,308&#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%">5,523&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,056&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,433&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,201&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,697&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">77,595&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">147,505&#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%">1,710&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">11,842&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,872&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,819&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,107&#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:7pt;font-weight:400;line-height:100%">74,040&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">135,390&#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%">2,432,838&#160;</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%">3,049,477&#160;</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%">1,967,756&#160;</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%">1,754,219&#160;</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%">1,365,979&#160;</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%">4,559,281&#160;</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%">15,129,550&#160;</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%">4,276,533&#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><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%">4,547,159&#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 colspan="2" style="background-color:#ededee;border-top:1pt 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%">2,584,622&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">2,172,660&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,615,842&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,106,872&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">20,303,688&#160;</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%">26,714&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,933&#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:7pt;font-weight:400;line-height:100%">9,062&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,496&#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:7pt;font-weight:400;line-height:100%">3,575&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,876&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">69,656&#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%">4,303,247&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">4,563,092&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">2,593,684&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">2,178,156&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,619,417&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,115,748&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">20,373,344&#160;</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%">(304,943)</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:7pt;font-weight:400;line-height:100%">(323,506)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(181,915)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(141,424)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(101,023)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(300,820)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,353,631)</span></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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,998,304&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,239,586&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,411,769&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,036,732&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,518,394&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,814,928&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">19,019,713&#160;</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%">56.9&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">67.1&#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: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%">76.1&#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: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%">80.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">84.5&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">89.3&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">74.5&#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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#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%">1.9&#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: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%">3.1&#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: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%">4.0&#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: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%">4.7&#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: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%">6.5&#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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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></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%">0.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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%">1.9&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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%">2.2&#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: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%">2.0&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.8&#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></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-right:18pt"><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 or 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 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 credit losses considers the collectibility of both principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses &#8212; Uncollectible Interest&#8221; in this Form 10-K for additional information. </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 or 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: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</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%">Uncollectible</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</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: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, 2024</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%">1,549,415&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,420&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">12,366&#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, 2023</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,354,565&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">8,373&#160;</span></td><td style="background-color:#ffffff;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%">9,897&#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:126pt;padding-right:108pt;text-indent:-13.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)  At December 31, 2024 and 2023, $164&#160;million and $151&#160;million, respectively, of accrued interest receivable was not expected to be capitalized and $1.4&#160;billion and $1.2&#160;billion of accrued interest receivable was expected to be capitalized. </span></div><div style="margin-top:4.5pt;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%">Unfunded Loan Commitments </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 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; Off-Balance Sheet Exposure for Contractual Loan Commitments&#8221; in this Form 10-K 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, 2024, we had $2.3 billion of outstanding contractual loan commitments that we expect to fund during the remainder of the 2024/2025 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:502.50pt"><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:1.00pt"></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:1.00pt"></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: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><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><td colspan="3" style="display:none"></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%">2024</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%">2023</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%">2022</span></td><td colspan="3" style="display:none"></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 1pt;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 1pt;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="display:none"></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="display:none"></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%">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%">112,962&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,221,077&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">124,924&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,995,808&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">72,713&#160;</span></td><td style="background-color:#ededee;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%">1,776,976&#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></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%">283,393&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,103,832&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">308,275&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,602,803&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">396,521&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,180,805&#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></tr><tr style="height:15pt"><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%">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:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(311,787)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,013,249)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(320,237)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,377,534)</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:9pt;font-weight:400;line-height:100%">(344,310)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,961,973)</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></tr><tr style="height:15pt"><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 style="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%">84,568&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,311,660&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">112,962&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,221,077&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">124,924&#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%">1,995,808&#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="display:none"></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. Also includes incremental provision for new commitments and changes to provision for existing commitments.</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. </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%">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>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForCreditLossesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -Publisher FASB<br> -URI https://asc.fasb.org/310/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForCreditLossesTextBlock</td>
</tr>
<tr>
<td style="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_ReceivablesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>38
<FILENAME>R16.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506306944">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Property, Plant and Equipment [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="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:54.027%"><tr><td style="width:1.0%"></td><td style="width:55.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:1.984%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.666%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.627%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.668%"></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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</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><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;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><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%">12,356&#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></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">124,568&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">122,301&#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%">Furniture, fixtures, 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:9pt;font-weight:400;line-height:100%">35,519&#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%">34,068&#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%">115,132&#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:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">106,422&#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 equipment, 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%">287,575&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">275,147&#160;</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%">Accumulated depreciation</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(168,221)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(145,646)</span></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%">119,354&#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%">129,501&#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>&#160;&#160;&#160;&#160;Depreciation expense for premises and equipment was $18 million, $18 million, and $17 million for the years ended December 31, 2024, 2023, and 2022, respectively.<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_PropertyPlantAndEquipmentAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for long-lived, physical asset used in normal conduct of business and not intended for resale. Includes, but is not limited to, work of art, historical treasure, and similar asset classified as collections.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 360<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/360/tableOfContent<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -SubTopic 360<br> -Topic 958<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477798/958-360-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -SubTopic 360<br> -Topic 958<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477798/958-360-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -SubTopic 360<br> -Topic 958<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477798/958-360-50-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>39
<FILENAME>R17.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506092256">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Goodwill and Acquired Intangible Assets<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>Goodwill and Intangible Assets 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="Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock', window );">Goodwill and Acquired Intangible Assets</a></td>
<td class="text">Goodwill and Acquired Intangible Assets <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%">Goodwill</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 recorded as goodwill the excess of the purchase price over the estimated fair values of identifiable assets and liabilities acquired as part of the Nitro acquisition in the first quarter of 2022 and the Scholly acquisition in the third quarter of 2023. At December 31, 2024, we had $56&#160;million in total goodwill. See Note 2, &#8220;Significant Accounting Policies &#8212; Business Combinations&#8221; in this Form 10-K for additional details on our acquisitions of Nitro and Scholly.</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%">Goodwill is not amortized but is tested periodically for impairment. We test goodwill for impairment annually in the fourth quarter of the year, or more frequently if we believe that indicators of impairment exist. As a part of the 2024 annual impairment testing, we conducted a quantitative impairment test of goodwill associated with our education services business. We utilized the income approach to estimate the fair value of the reporting unit. The income approach measures the value of the reporting unit&#8217;s future economic benefit determined by its discounted cash flows derived from our reporting unit&#8217;s internal forecast. Based on the quantitative analysis, we determined that the fair value of the reporting unit exceeded its carrying value. Thus, no impairment charges were recorded during the year ended December 31, 2024.</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%">Acquired Intangible 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%">Our intangible assets include acquired trade name and trademarks, customer relationships, developed technology, and partner relationships. We review our long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of such assets may not be recoverable. </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 fourth quarter of 2023, we determined that it was more likely than not that the Nitro trade name and trademark assets would not be used as originally intended due to changes in business strategy and, therefore, no longer held value. As a result, the Company performed an impairment review and wrote down the Nitro trade name and trademark to zero, which resulted in the recognition of a <span style="-sec-ix-hidden:f-2010">non-cash pre-tax impairment loss</span> of $56&#160;million. That impairment loss was recorded to acquired intangible assets impairment and amortization 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%">In the fourth quarter of 2024, we determined that it was more likely than not that the Scholly partner relationships  asset no longer held value. As a result, the Company performed an impairment review and wrote down the Scholly partner relationships asset to zero, which resulted in the recognition of a non-cash pre-tax impairment loss of less than $1&#160;million. That impairment loss was recorded to acquired intangible assets impairment and amortization 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%">Acquired intangible assets include the following:</span></div><div style="margin-top:5pt;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:100.000%"><tr><td style="width:1.0%"></td><td style="width:25.355%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.461%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.894%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.329%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.894%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.461%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.878%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.461%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.894%"></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:8.026%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.461%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.937%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.461%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.298%"></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:#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: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%">2024</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%">2023</span></td></tr><tr style="height:20pt"><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:8pt;font-weight:700;line-height:100%">Useful Life</span></div><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(in years)</span><span style="color:#144f82;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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cost Basis</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accumulated Amortization</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cost Basis</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accumulated Amortization</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">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"><div style="padding-left:0.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Trade name and trademarks</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;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%">4.0</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%">6,040&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,139)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,901&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,040&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(629)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,411&#160;</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:0.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Customer relationships</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%">4.6</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,920&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,465)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,455&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,920&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,013)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,907&#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:0.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Developed technology</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="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%">3.5</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%">2,590&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,661)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,590&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(908)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,682&#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:0.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Partner relationships</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="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%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">730&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">608&#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 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%">Sallie.com domain</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%">4.0</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%">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%">(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%">144&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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;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 acquired intangible assets</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: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%">17,700&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10,271)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">7,429&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,280&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(5,672)</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%">12,608&#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-bottom:3pt;margin-top:9pt;padding-left:9pt;padding-right:9pt;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:8pt;font-weight:400;line-height:120%">The weighted average useful life of acquired intangible assets related to the Nitro acquisition is 4.6 years and the weighted average useful life of the acquired intangible assets related to the Scholly acquisition is 4.0 years.</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:9pt;padding-right:9pt;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%"> Trade name and trademarks, customer relationships, and developed technology at December 31, 2024 include $4&#160;million, $1&#160;million, and $1&#160;million, respectively, related to the Scholly acquisition.</span></div><div style="margin-bottom:3pt;padding-left:9pt;padding-right:9pt;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%"> In 2023, we fully impaired the Nitro trade name and trademarks asset for $56&#160;million.</span></div><div style="margin-bottom:3pt;margin-top:3pt;padding-left:9pt;padding-right:9pt;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%"> In 2024, we fully impaired the Scholly partner relationships asset for less than $1&#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%">We recorded amortization of acquired intangible assets totaling approximately $5&#160;million and $10&#160;million in the years ended December 31, 2024 and 2023, respectively. We will continue to amortize our intangible assets with definite useful lives over their remaining estimated useful lives. We estimate amortization expense associated with these intangible assets will be approximately $4&#160;million, $3&#160;million, and $1&#160;million in 2025, 2026, and 2027.</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_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-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_GoodwillAndIntangibleAssetsDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for goodwill and intangible assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/350-30/tableOfContent<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/350-20/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>40
<FILENAME>R18.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506502208">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>Deposits [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="Show.showAR( this, 'defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock', window );">Deposits</a></td>
<td class="text">Deposits<div style="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 summarizes total deposits at December 31, 2024 and 2023.</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%">2024</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%">2023</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%">21,066,752&#160;</span></td><td style="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%">21,651,657&#160;</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%">1,816&#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%">1,531&#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%">21,068,568&#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><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%">21,653,188&#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 $21.1 billion were comprised of $9.5 billion in brokered deposits and $11.6 billion in retail and other deposits at December 31, 2024, compared with total deposits of $21.7 billion, which were comprised of $10.3 billion in brokered deposits and $11.4 billion in retail and other deposits, at December 31, 2023.</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, 2024 and 2023 consisted of retail and brokered non-maturity savings deposits, retail and brokered non-maturity MMDAs, and retail and brokered CDs. Interest-bearing deposits also include deposits from Educational 529 and Health Savings plans that diversify our funding sources and that we consider to be core. These and other large omnibus accounts, aggregating the deposits of many individual depositors, represented $7.0&#160;billion of our deposit total as of December 31, 2024, compared with $7.6 billion at December 31, 2023. The omnibus accounts are structured in such a way that entitles the individual depositor pass-through deposit insurance (subject to FDIC rules and limitations), and the majority of these deposits have contractual minimum balances and maturity terms.</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 $11 million, $12 million, and $13 million in the years ended December 31, 2024, 2023, and 2022, respectively. Fees paid to third-party brokers related to brokered CDs were $8 million, $8 million, and $13 million during the years ended December 31, 2024, 2023, and 2022, respectively. </span></div><div style="margin-top:12pt;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, 2024 and 2023 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:76.111%"><tr><td style="width:1.0%"></td><td style="width:37.586%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.077%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.498%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.712%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.951%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.712%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.498%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.712%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.954%"></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%">2024</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%">2023</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" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="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%">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%">9,582,290&#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%">4.27&#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: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%">10,258,292&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.85&#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 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">944,034&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.02&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">945,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.35&#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%">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%">10,540,428&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.20&#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%">10,448,365&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.69&#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%">21,066,752&#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%">21,651,657&#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><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><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</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%">6,569,872&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">3,937,766&#160;</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%">2,074,849&#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%">4,112,902&#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%">986,262&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,881,371&#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%">189,421&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">327,295&#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%">720,005&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">188,802&#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%">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%">229&#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%">10,540,428&#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%">10,448,365&#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-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, 2024 and 2023, there were $567 million and $478 million, respectively, of deposits exceeding FDIC insurance limits. Accrued interest on deposits was $92 million and $91 million at December 31, 2024 and 2023, respectively.</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_us-gaap_DepositLiabilitiesDisclosuresTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 405<br> -Topic 942<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478353/942-405-50-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph e<br> -Publisher SEC<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositLiabilitiesDisclosuresTextBlock</td>
</tr>
<tr>
<td style="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_DepositsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>41
<FILENAME>R19.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506527344">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DebtDisclosureTextBlock', window );">Borrowings</a></td>
<td class="text">Borrowings <div style="text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Outstanding borrowings consist of unsecured debt and secured borrowings issued through our term asset-backed securities (&#8220;ABS&#8221;) 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, 2024 and 2023. </span></div><div style="margin-top:10.5pt;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><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%">2024</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%">2023</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" 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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">995,420&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">995,420&#160;</span></td><td style="background-color:#ffffff;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%">992,200&#160;</span></td><td style="background-color:#ffffff;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%">992,200&#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%">995,420&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">995,420&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">992,200&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">992,200&#160;</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%">4,617,743&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,617,743&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">3,585,254&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,585,254&#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%">827,182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">827,182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">650,058&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">650,058&#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"><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%">5,444,925&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,444,925&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">4,235,312&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">4,235,312&#160;</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%">5,444,925&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,444,925&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">4,235,312&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">4,235,312&#160;</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,440,345&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">6,440,345&#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%">5,227,512&#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%">5,227,512&#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><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:6pt"><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: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 June 14, 2024, we amended our $2 billion maximum Secured Borrowing Facility to extend the maturity. We hold 100 percent of the residual interest in the Secured Borrowing Facility trust.&#160;The amendment extended the revolving period, during which we may borrow, repay, and reborrow funds, until June 13, 2025.&#160;The scheduled amortization period, during which amounts outstanding under the Secured Borrowing Facility must be repaid, ends on June 13, 2026 (or earlier, if certain material adverse events occur). The one-year revolving period plus the one-year amortization period results in a contractual maturity that is two years from the date of inception or renewal; 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. For the years ended December 31, 2024 and December 31, 2023, there were no outstanding short-term borrowings 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%">With the Secured Borrowing Facility, we incur financing costs on the unused borrowing capacity and on any outstanding advances. The non-use fee is based upon the Facility&#8217;s maximum borrowing limit of $2&#160;billion, for both 2024 and 2023, and is applied to the unfunded balance. The Facility non-use fee was 55 basis points in both 2024 and 2023. </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%">Long-term Borrowings</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-weight:400;line-height:115%">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 2056.</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, 2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2024</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, 2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2023</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%">Long-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><td 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%">Floating-rate 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 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">827,182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.71&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">724,761&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">650,058&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.51&#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%">715,409&#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%">Fixed-rate 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%">5,613,163&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.09&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,864,359&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,577,454&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.52&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,605,806&#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 long-term borrowings</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%">6,440,345&#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:9pt;font-weight:400;line-height:100%">4.30&#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 style="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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,589,120&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,227,512&#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:9pt;font-weight:400;line-height:100%">3.89&#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 style="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%">5,321,215&#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><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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2024, the maturities of our brokered CDs 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:63.750%"><tr><td style="width:1.0%"></td><td style="width:31.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.368%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.889%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.496%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.889%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.675%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.889%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.333%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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="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, 2024<br/>(dollars in thousands)</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%">Brokered CDs</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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<br/>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: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%">Secured Borrowings</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%">Total</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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:15pt"><td 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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2025</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%">2,763,401&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">498,897&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">823,843&#160;</span></td><td style="background-color:#ffffff;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%">4,086,141&#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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2026</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%">1,824,607&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">496,523&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">840,927&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,162,057&#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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2027</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%">783,061&#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%">&#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%">823,320&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,606,381&#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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2028</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%">146,282&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">642,798&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">789,080&#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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2029</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%">683,748&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">568,779&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,252,527&#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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2030 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%">&#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%">1,764,900&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,764,900&#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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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: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%">6,201,099&#160;</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%">995,420&#160;</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%">5,464,567&#160;</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%">12,661,086&#160;</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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">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%">(241)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(241)</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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">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%">6,200,858&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">995,420&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,464,567&#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%">12,660,845&#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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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></div><div style="margin-top:9pt;padding-left:126pt;padding-right:108pt;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 secured borrowings as long-term based on the contractual maturity dates ranging from 2032 to 2056. However, the actual maturity of our secured borrowings depends on the prepayment speeds of the underlying collateralized loans. To disclose how we expect this debt to pay down over time, the maturities for our secured borrowings are based on the projected bond principal paydowns using the current estimated loan prepayment speeds.</span></div><div style="margin-top:9pt;padding-left:18pt;text-indent:-4.5pt"><span><br/></span></div><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Unsecured Financing Transactions</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:112%">On October 29, 2020, we issued $500&#160;million of 4.20 percent unsecured Senior Notes due October 29, 2025. At December 31, 2024, the outstanding balance was $499&#160;million. This unsecured borrowing remained classified as long-term as of December 31, 2024 in accordance with our ability and intent to refinance the debt on a long-term basis. On February 18, 2025, we redeemed these Senior Notes with proceeds from $500 million of 6.50 percent unsecured Senior Notes issued on January 31, 2025 and due January 31, 2030. See Note 23, &#8220;Subsequent Events&#8221; in this Form 10-K for additional information.</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 $500&#160;million of  3.125 percent unsecured Senior Notes due November 2, 2026, at a price of 99.43 percent. At December 31, 2024, the outstanding balance was $496&#160;million.</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 Financing Transactions</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 summarizes our term funding collateralized by pools of Private Education Loans in the long-term ABS market issued in 2023 and 2024 in which we retained 100 percent of the residual class certificates. </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%">               </span><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:19.072%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.520%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.191%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.520%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.706%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.520%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.706%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.376%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.706%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.520%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.317%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.520%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.426%"></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%">SMB Private Education Loan Trust</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 Closed</span></td><td colspan="3" 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%">Loans Transferred to the Trust</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%">Notes<br/>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%">Gross<br/>Proceeds</span></td><td colspan="3" 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">(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%">Weighted Average Life of Class A and Class B Notes<br/>(in years)</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: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:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></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></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></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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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></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></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:#dbdbdb;padding:2px 1pt;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-A ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">March 15, 2023</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">644,573&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">579,000&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">571,910&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">SOFR plus 1.53%</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">5.06</span></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%">2023-C ABS Transaction</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 16, 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">647,934&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">568,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">567,881&#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 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%">SOFR plus 1.69%</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%">4.93</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;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 2023</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,292,507&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,147,000&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,139,791&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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;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><td colspan="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:#dbdbdb;padding:2px 1pt;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-C ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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 15, 2024</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">733,644&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">668,000&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">667,888&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">SOFR plus 1.19%</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">5.36</span></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%">2024-E ABS Transaction</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 14, 2024</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">944,645&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">868,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">867,743&#160;</span></td><td style="background-color:#ffffff;padding: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%">SOFR plus 1.42%</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%">5.17</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;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-F ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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 6, 2024</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">732,445&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680,000&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">679,981&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">SOFR plus 1.08%</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">5.09</span></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%">Total 2024</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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,410,734&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,216,000&#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><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%">2,215,612&#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;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="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></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="padding-left:56.25pt;padding-right:54pt;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 transfer of such loans did not qualify for sale treatment and thus remain on our consolidated balance sheet.  At December 31, 2024, the following Private Education Loan amounts remain encumbered related to these transactions:</span></div><div style="margin-top:9pt;padding-left:20.25pt;padding-right:54pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">                           </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:41.725%"></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:16.837%"></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:16.837%"></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:16.838%"></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%">SMB Private Education Loan Trust</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Principal</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capitalized <br/>Interest</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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</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:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="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:#dbdbdb;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%">2023-A ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">484,551&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">32,856&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">517,407&#160;</span></td><td style="background-color:#dbdbdb;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%">2023-C ABS Transaction</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">516,507&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35,287&#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%">551,794&#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:#dbdbdb;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 2023</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,001,058&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,143&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,069,201&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024-C ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">646,550&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">52,968&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">699,518&#160;</span></td><td style="background-color:#dbdbdb;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%">2024-E ABS Transaction</span></td><td colspan="3" style="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:9pt;font-weight:400;line-height:100%">841,355&#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:9pt;font-weight:400;line-height:100%">69,238&#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:9pt;font-weight:400;line-height:100%">910,593&#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:#dbdbdb;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%">2024-F ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">662,361&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,131&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">717,492&#160;</span></td><td style="background-color:#dbdbdb;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:9pt;font-weight:400;line-height:100%">Total 2024</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,150,266&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">177,337&#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%">2,327,603&#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:56.25pt;padding-right:54pt;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">Represents SOFR equivalent cost of funds for variable and fixed-rate bonds, excluding issuance costs.</span></div><div style="margin-top:9pt;padding-left:20.25pt;padding-right:54pt"><span><br/></span></div><div style="margin-bottom:6pt;margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:115%">Pre-2023 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 2023, we executed a total of $10.38 billion in ABS transactions that were accounted for as secured financings. At December 31, 2024, $3.74 billion of our Private Education Loans, including $3.63 billion of principal and $107 million in capitalized interest, were encumbered as a result of these 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><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, 2024<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 Net 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, Net</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%">&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,444,925&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,444,925&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,786,390&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">173,892&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">418,705&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">7,378,987&#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%">&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">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%">98&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,444,925&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,444,925&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">6,786,390&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">173,892&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">418,803&#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%">7,379,085&#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, 2023<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 Net 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, Net</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%">&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,235,312&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">4,235,312&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,539,964&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">149,412&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">303,653&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,993,029&#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%">&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">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%">100&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">4,235,312&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,235,312&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,539,964&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">149,412&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">303,753&#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%">5,993,129&#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, net primarily represents accrued interest receivable and payable.</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Unconsolidated Funding Vehicles</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. 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 to meet risk retention requirements. We were not required to consolidate these entities because the fees we receive as the servicer/administrator are commensurate with our responsibility, so the fees are not considered a variable interest. Additionally, the five percent vertical interest we maintain does not absorb more than an insignificant amount of the VIE&#8217;s expected losses, nor do we receive more than an insignificant amount of the VIE&#8217;s expected residual returns. We classified those vertical risk retention interests related to the securitization transactions listed below as available-for-sale investments, except for the interest in the residual class, which we classified as trading investments recorded at fair value with changes recorded through earnings. The following summarizes our Private Education Loan ABS transactions closed in 2023 and 2024 where the respective VIEs were not consolidated.</span></div><div style="margin-top:5pt;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:99.861%"><tr><td style="width:1.0%"></td><td style="width:25.186%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.841%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.251%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.536%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.112%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.474%"></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%">SMB Private Education Loan Trust</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%">Date Closed</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%">Loans Transferred to the Trust by Third-Party Seller</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%">Date Third-Party Seller Previously Purchased Loans from the Bank</span></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%">Additional Loans the Bank Transferred to the Trust</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:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gain on Sale for Additional Loans Transferred by Bank</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:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="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:#dbdbdb;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%">2023-B ABS transaction</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:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">May 24, 2023</span></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,988,277&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#dbdbdb;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%">May 3, 2023</span></td><td style="background-color:#dbdbdb;padding:2px 0 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%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">104,743&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,391&#160;</span></td><td style="background-color:#dbdbdb;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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2023-D ABS transaction</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:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">November 7, 2023</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">995,184&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;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%">October 13, 2023</span></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:9pt;font-weight:400;line-height:100%">52,572&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></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:9pt;font-weight:400;line-height:100%">1,570&#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:#dbdbdb;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%">2024-A ABS transaction</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:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">March 13, 2024</span></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,988,248&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#dbdbdb;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 1, 2024</span></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">104,748&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,685&#160;</span></td><td style="background-color:#dbdbdb;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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024-R1 ABS transaction</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:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">April 9, 2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,896&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;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%">n/a</span></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: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:top"></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: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:top"></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;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%">2024-B ABS transaction</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:#dbdbdb;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%">April 11, 2024</span></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">191,445&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;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%">March&#160;6, 2020 and</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">November&#160;17, 2021</span></div></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,132&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;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:#dbdbdb;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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024-D ABS transaction</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:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">June 28, 2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,494,953&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">May 23, 2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">78,782&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,051&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></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: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 transfer of such additional loans qualified for sale treatment and removed these loans from our balance sheet on the settlement date of the transaction.</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: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">Sallie Mae Bank sponsored the transaction and is the servicer and administrator.</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: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">An unaffiliated third party sold to the Trust approximately $69 million of Private Education Loan residual flows from our 2020-PTA and 2020-PTB transactions through a re-securitization. Sallie Mae Bank sponsored the 2024-R1 transaction and is the administrator of the Trust.</span></div><div style="margin-top:5pt;padding-left:20.25pt;padding-right:54pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-bottom:6pt;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%">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%">2024</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%">2023</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%">571,795&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,262&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">625,057&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">423,327&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">54,481&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">477,808&#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></tr></table></div><div style="margin-top:6pt;padding-left:72pt"><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%"> 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: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%"> Vertical risk retention interest classified as trading investment. </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 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, 2023. 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, 2024 and 2023.</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 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, 2024 and December 31, 2023, the value of our pledged collateral at the FRB totaled $2.2 billion and $1.6 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, 2024 and 2023.</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_us-gaap_DebtDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 405<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477092/405-40-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 405<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477092/405-40-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 405<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477092/405-40-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 405<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477092/405-40-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 405<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477092/405-40-50-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 470<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/470/tableOfContent<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1C<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1C<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1C<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtDisclosureTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>42
<FILENAME>R20.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692500777216">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock', window );">Derivative Financial Instruments</a></td>
<td class="text">Derivative Financial Instruments<div style="margin-top:9pt;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: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 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, 2024, $850 million notional of our derivative contracts were cleared on the CME and $71 million were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent 92.3 percent&#160;and 7.7 percent, respectively, of our total notional derivative contracts of $921 million at December 31, 2024.</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, 2024 was $(22) million and $(1) 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 to the counterparty 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, 2024 and 2023, we had a net positive exposure (derivative gain/loss positions to us, less collateral held by us and plus collateral posted with counterparties) related to derivatives of $5 million and $9&#160;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 either fair value hedges or cash flow 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: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, 2024 and 2023, and their impact on earnings and other comprehensive income for the years ended December&#160;31, 2024, 2023, and 2022. </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:700;line-height:120%">    Impact of Derivatives on the Consolidated Balance Sheets</span></div><div style="text-align:center"><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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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 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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 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 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><td style="background-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><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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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><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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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><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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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><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%">&#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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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><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:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 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 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><td colspan="2" style="background-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%">(19)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(339)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(21)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(31)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(40)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(370)</span></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:8.5pt;font-weight:700;line-height:100%">Total net derivatives</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 style="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:8.5pt;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:8.5pt;font-weight:400;line-height:100%">(19)</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:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(339)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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:8.5pt;font-weight:400;line-height:100%">(21)</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:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(31)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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:8.5pt;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><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:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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:8.5pt;font-weight:400;line-height:100%">(40)</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:8.5pt;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:8.5pt;font-weight:400;line-height:100%">(370)</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 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><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%">2024</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%">2023</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%">2024</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%">2023</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%">&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">(40)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(370)</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%">&#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></tr><tr><td colspan="3" 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 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;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">&#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:7.5pt;font-weight:400;line-height:100%">(40)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(370)</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%">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><td colspan="2" style="background-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%">4,879&#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 colspan="2" style="background-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%">9,228&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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></tr><tr><td colspan="3" 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%">4,879&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">9,228&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">(40)</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%">(370)</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 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"><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><td style="width:13.692%"></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:8.367%"></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:8.811%"></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:8.959%"></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:8.959%"></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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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 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><td style="background-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%">639,097&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,203,783&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">281,520&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">702,309&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">920,617&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,906,092&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net total notional</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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:8pt;font-weight:400;line-height:100%">639,097&#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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,203,783&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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:8pt;font-weight:400;line-height:100%">281,520&#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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">702,309&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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:8pt;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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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:8pt;font-weight:400;line-height:100%">920,617&#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:8pt;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:8pt;font-weight:400;line-height:100%">1,906,092&#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><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><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></div><div style="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, 2024 and 2023, 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%">2024</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%">2023</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%">2024</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%">2023</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%">(279,908)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(689,137)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">1,420&#160;</span></td><td style="background-color:#ededee;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%">12,910&#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: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><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,278)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26,054)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">16,308&#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%">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%">(11,490)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(18,350)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">82,043&#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%">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%">11,554&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,487&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(82,063)</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,214)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(25,917)</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%">16,288&#160;</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%">41,221&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,810&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,658&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41,221&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">47,810&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">3,658&#160;</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%">&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(248)</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%">&#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><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%">&#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><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%">(248)</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%"><span style="-sec-ix-hidden:f-2481"><span style="-sec-ix-hidden:f-2482"><span style="-sec-ix-hidden:f-2483">Total</span></span></span></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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,007&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">21,893&#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%">19,698&#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:6pt;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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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%">10,827&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,353&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">97,389&#160;</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%">41,221&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,810&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,658&#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 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><td style="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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(30,394)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(34,457)</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%">93,731&#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:12pt;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 $21 million will be reclassified as a decrease to interest expense. </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%">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, 2024, 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, 2024 and 2023, respectively. Collateral held is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheets. Cash collateral pledged by us related to derivative exposure between us and our derivatives counterparties was $5 million&#160;and $9 million at December 31, 2024 and 2023, respectively. Collateral pledged is recorded in &#8220;Other interest-earning assets&#8221; on the consolidated balance sheets.</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_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-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_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480237/815-40-50-5<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5C<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-5C<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 815<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/815/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>43
<FILENAME>R21.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692594487520">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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: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&#160;31, 2024, we had 2.5 million&#160;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 were entitled to receive quarterly dividends based on 3-month LIBOR plus 170 basis points per annum in arrears, until the transition to SOFR in the third quarter of 2023. The first dividends on our Series B Preferred Stock that were based on a SOFR rate were declared dividends paid on December 15, 2023, which were based on the adjusted 3-month CME Term SOFR plus 170 basis points per annum in arrears, where the adjusted 3-month CME Term SOFR includes the LIBOR Benchmark Replacement Adjustment of 26.161 basis points. 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: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%">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, 2024, 210 million shares were issued and outstanding and 33 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: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%">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, 2024, we paid a total common stock dividend of $0.46 per common share. In both the years ended December 31, 2023 and 2022, we paid a total common stock dividend of $0.44 per common share. 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%">In January 2020, we announced a share repurchase program of up to $600 million of common stock. This program expired in January 2022. In January 2021, we announced an additional share repurchase program of up to $1.25&#160;billion of common stock (the &#8220;2021 Share Repurchase Program&#8221;) that expired in January 2023. In October 2021, our Board of Directors approved a $250&#160;million increase in the amount of common stock that could be repurchased under the 2021 Share Repurchase Program, resulting in a total authorization of $1.5&#160;billion of common stock. In January 2022, we announced a share repurchase program of up to $1.25&#160;billion of common stock that expired in January 2024.</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%">In January 2024, we announced a new share repurchase program of up to $650&#160;million of common stock (the &#8220;2024 Share Repurchase Program&#8221;). The program expires in February 2026. We had $402 million of capacity remaining under the 2024 Share Repurchase Program at December 31, 2024. </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 above share repurchase programs, repurchases could occur from time to time and through a variety of methods, including open market repurchases, repurchases effected through Rule 10b5-1 trading plans, negotiated block purchases, accelerated share repurchase programs, tender offers, or other similar transactions. The timing and volume of any repurchases are subject to market conditions, and there can be no guarantee that the Company will repurchase up to the limit of the 2024 Share Repurchase 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-style:italic;font-weight:400;line-height:107%">Share Repurchases under our Rule 10b5-1 Trading Plans</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%">During the years ended December 31, 2024, 2023, and 2022, we repurchased 12&#160;million, 22&#160;million, and 40&#160;million shares, respectively, of our common stock at a total cost of $250&#160;million, $349&#160;million, and $708&#160;million, respectively, under Rule 10b5-1 trading plans authorized under our share repurchase programs. </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 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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2022</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)</span></div></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%">11,586,103&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">22,341,595&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">40,253,548&#160;</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">(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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.59&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.64&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">17.58&#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">(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%">749,866&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,099,241&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,135,509&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.19&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.46&#160;</span></td><td style="background-color:#ffffff;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%">18.36&#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 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">(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%">2,374,379&#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%">3,109,276&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,107,768&#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: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 $402 million of capacity remaining under the 2024 Share Repurchase Program at December 31, 2024. </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; Average purchase price per share includes purchase commission costs and excise taxes. </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; </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 the vesting of restricted stock, restricted stock units, performance stock units, and dividend equivalent units for employees&#8217; tax withholding obligations and shares tendered by employees to satisfy option exercise 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">(4)</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 issued under our various compensation and benefit plans. </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>The closing price of our common stock on the NASDAQ Global Select Market on December&#160;31, 2024 was $27.58.<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_EquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td><strong> Balance 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_StockholdersEquityNoteDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-14<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 235<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477968/946-235-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 235<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477968/946-235-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478448/946-505-50-6<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480237/815-40-50-6<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(e)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/505/tableOfContent<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-14<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-14<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 16<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-16<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 18<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-18<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 18<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-18<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 18<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-18<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquityNoteDisclosureTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>44
<FILENAME>R22.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692498647632">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings Per Share [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="Show.showAR( this, 'defref_us-gaap_EarningsPerShareTextBlock', window );">Earnings Per Common Share</a></td>
<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:93.055%"><tr><td style="width:1.0%"></td><td style="width:57.258%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.546%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.989%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.546%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.482%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.546%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.633%"></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, 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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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 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%">608,325&#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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">581,391&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">469,014&#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%">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%">18,296&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,705&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,029&#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%">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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">590,029&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">563,686&#160;</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%">459,985&#160;</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%">216,220&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">231,411&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">258,439&#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 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,714&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,652&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,064&#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%">219,934&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">234,063&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">261,503&#160;</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 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.73&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.44&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.78&#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: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%">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;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.68&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td 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%">2.41&#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 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%">1.76&#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><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, 2024, 2023, and 2022, securities covering approximately less than 1 million shares, 1 million shares, and 1 million shares, respectively, were outstanding but not included in the computation of diluted earnings per share because they were anti-dilutive.<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_EarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-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_EarningsPerShareTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for earnings per share.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/260/tableOfContent<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>45
<FILENAME>R23.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692493712896">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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, 2024, 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, 2024, 14&#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, 2024 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, 2024, 2023, and 2022 was $40 million, $36 million, and $34 million, respectively. As of December&#160;31, 2024, there was $23 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 1.5 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 86,536 time-vested options granted in the year ended December 31, 2022. The options were granted to team members of an acquisition that took place in the first half of the year in 2022. The exercise price of the options is equal to 100 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 a Black-Scholes option 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 style="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, 2023 and 2024.</span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;The following table summarizes stock option activity for the year ended December&#160;31, 2024.</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, 2023</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%">1,066,197&#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><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%">17.59&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">&#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="3" style="background-color:#ffffff;padding:0 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%">(65,668)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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;padding: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%">&#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="3" style="background-color:#ffffff;padding:0 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, 2024</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%">1,000,529&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.59&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.2 years</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">9,997&#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%">Exercisable at December&#160;31, 2024</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%">933,223&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.65&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.1 years</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">9,267&#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, 2024 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, 2024.</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 the options exercised was $0.3 million for the year ended December 31, 2024. No options were exercised in the years ended December 31, 2023 and 2022.</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">Cash of $1 million was received from option exercises for the year ended December 31, 2024. The actual tax benefit realized for the tax deductions from option exercises totaled less than $1 million for the year ended December 31, 2024.</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, 2024. </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, 2023</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%">83,479&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">16.47&#160;</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%">77,759&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.51&#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%">(83,479)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16.47&#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%">(7,069)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.51&#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, 2024</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%">70,690&#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%">20.51&#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, 2024, 2023, and 2022 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, 2024, there was $0.7 million of unrecognized compensation cost related to restricted stock, which is expected to be recognized over a weighted average period of 0.5 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. The fair value of each PSU grant was estimated on the date of grant using the Monte Carlo simulation-pricing model.</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, 2024.</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, 2023</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%">4,346,994&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">16.39&#160;</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%">2,061,763&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.22&#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%">(1,932,557)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16.39&#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%">(38,019)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18.25&#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, 2024</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%">4,438,181&#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%">18.16&#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, 2024, 2023, and 2022 was $32 million, $35&#160;million, and $34 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, 2024, there was $22 million of unrecognized compensation cost related to RSUs/PSUs, which is expected to be recognized over a weighted average period of 1.5 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;</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%">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:79.444%"><tr><td style="width:1.0%"></td><td style="width:51.522%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.109%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.674%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.109%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.674%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.112%"></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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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%">4.56&#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%">5.31&#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%">3.02&#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%">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: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%">38&#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%">39&#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%">1.99&#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%">2.73&#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%">2.78&#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><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><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%">5.07&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.14&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.17&#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: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, 2024, there was less than $1 million of unrecognized compensation cost related to the ESPP, which is expected to be recognized by July 2025.</span></div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the years ended December 31, 2023 and 2024, plan participants purchased approximately 195,000 shares and 227,000 shares, respectively, of our common stock. No shares were purchased for the year ended December 31, 2022, as our stock price on July 31, 2022 was less than the offering price for the ESPP plan.</span><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_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/718/tableOfContent<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (l)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock</td>
</tr>
<tr>
<td style="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_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</td>
</tr>
<tr>
<td style="padding-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>46
<FILENAME>R24.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506083280">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Disclosures [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="Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresTextBlock', window );">Fair Value Measurements</a></td>
<td class="text">Fair Value Measurements<div style="margin-bottom:6pt;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="margin-bottom:6pt;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 hierarchical 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; in this Form 10-K. </span></div><div style="margin-bottom:6pt;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:95.972%"><tr><td style="width:1.0%"></td><td style="width:19.884%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.280%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.464%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.004%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.464%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.280%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.464%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.004%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></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></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%">2024</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:8pt;font-weight:700;line-height:100%">2023</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%">Level&#160;1&#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: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><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 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%">Trading investments</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%">&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">53,262&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,262&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">54,481&#160;</span></td><td style="background-color:#ededee;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%">54,481&#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%">Available-for-sale 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%">&#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%">1,930,537&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,933,226&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">2,411,622&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">2,411,622&#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%"><span style="-sec-ix-hidden:f-2695"><span style="-sec-ix-hidden:f-2696">Derivative instruments</span></span></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%">&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">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%">&#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><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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,930,537&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">55,951&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,986,488&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">&#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><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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,411,622&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">54,481&#160;</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%">2,466,103&#160;</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%"><span style="-sec-ix-hidden:f-2713"><span style="-sec-ix-hidden:f-2714">Derivative instruments</span></span></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%">&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(40)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(40)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(370)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(370)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(40)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(40)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(370)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(370)</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-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 change in balance sheet carrying value associated with level 3 financial instruments carried at fair value on a recurring basis. </span></div><div style="text-indent:22.5pt"><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:120%">  </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.777%"><tr><td style="width:1.0%"></td><td style="width:38.246%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.510%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.127%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.510%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.417%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.510%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.422%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.510%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.127%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.510%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.417%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.368%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.426%"></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-bottom:1pt solid #000;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:8.5pt;font-weight:700;line-height:100%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-bottom:1pt solid #000;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:8.5pt;font-weight:700;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="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:8.5pt;font-weight:700;line-height:100%">Investments</span></td><td colspan="3" style="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:8.5pt;font-weight:700;line-height:100%">Investments</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:8.5pt;font-weight:700;line-height:100%">Years ended 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:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Available For Sale - <br/>Debt Securities</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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:8.5pt;font-weight:700;line-height:100%">Trading - Residual Interests</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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:8.5pt;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 #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Available For Sale -<br/>Debt Securities</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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:8.5pt;font-weight:700;line-height:100%">Trading - Residual Interests</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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:8.5pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededed;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%">Balance, beginning of period</span></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,481&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,481&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50,786&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50,786&#160;</span></td><td style="background-color:#ededed;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:9pt;font-weight:400;line-height:100%">Total gains/(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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 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:#ededed;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:9pt;font-weight:400;line-height:100%">Included in earnings (or changes in net assets)</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:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;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:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">478&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">498&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,721&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,721&#160;</span></td><td style="background-color:#ededed;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%"><span style="-sec-ix-hidden:f-2744">Included in other comprehensive income</span></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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:#ededed;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%">Settlements</span></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,589&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,697)</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">892&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">974&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">974&#160;</span></td><td style="background-color:#ededed;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%">Transfers into level 3</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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:#ededed;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%">Transfers out of level 3</span></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;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%">Balance, end of period</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%">2,689&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,262&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">55,951&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">54,481&#160;</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%">54,481&#160;</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:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;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:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period</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%">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="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%">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="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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ededed;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="-sec-ix-hidden:f-2781"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized gains (losses) for the period included in earnings (or changes in net assets) for assets held at the end of the reporting period</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span></span></div></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">478&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">478&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,721&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,721&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:22.5pt;text-indent:-13.5pt"><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%">Included in earnings (or changes in net assets) is comprised of the amounts recorded in the specified line item in the consolidated statements of income:</span></div><div style="padding-left:40.5pt;padding-right:22.5pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.444%"><tr><td style="width:1.0%"></td><td style="width:43.797%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.175%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.178%"></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%">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="9" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></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%">2024</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#ededed;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:8pt;font-weight:400;line-height:100%"><span style="-sec-ix-hidden:f-2788">Interest Income - Investments</span></span></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt 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:#ededed;border-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%">20&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt 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:#ededed;border-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:#ededed;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%"><span style="-sec-ix-hidden:f-2791"><span style="-sec-ix-hidden:f-2792">Gains (losses) on securities, net</span></span></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">478&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">2,721&#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:#ededed;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</span></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt 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:#ededed;border-bottom:3pt double #000;border-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%">498&#160;</span></td><td style="background-color:#ededed;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:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt 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:#ededed;border-bottom:3pt double #000;border-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%">2,721&#160;</span></td><td style="background-color:#ededed;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:22.5pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:42.75pt;padding-right:22.5pt;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%">    Recorded in "gains (losses) on securities, net" in the consolidated statements of income.</span></div><div style="padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"><span><br/></span></div><div style="padding-left:126pt;padding-right:72pt;text-indent:-18pt"><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:120%">The following table presents the significant unobservable inputs used in the recurring valuations of the level 3 financial instruments detailed above. </span></div><div style="text-indent: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:534.75pt"><tr><td style="width:1.0pt"></td><td style="width:110.50pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:67.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:4.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:91.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:132.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:105.25pt"></td><td style="width:1.0pt"></td></tr><tr style="height:23pt"><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:8.5pt;font-weight:700;line-height:100%">As of December 31, 2024<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:8.5pt;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="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:8.5pt;font-weight:700;line-height:100%">Valuation Technique</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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:8.5pt;font-weight:700;line-height:100%">Unobservable Input</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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:8.5pt;font-weight:700;line-height:100%">Range (Average)</span></td></tr><tr style="height:15pt"><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%">Debt Securities</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%">2,689&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Discounted cash flow</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%">Constant Prepayment 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: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%">6.9%-11.0% (8.3%) </span></div></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: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%">Probability of default</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"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.0%-17.0% (11.5%) </span></div></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%">Residual Interests</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%">53,262&#160;</span></td><td style="background-color:#ededee;padding: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%">Discounted cash flow</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%">Constant Prepayment Rate</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"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.9%-11.0% (8.3%) </span></div></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: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%">Probability of default</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"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.0%-17.0% (11.5%) </span></div></td></tr><tr style="height:15pt"><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%">Total</span></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%">55,951&#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: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></table></div><div style="margin-top:6pt;text-indent:36pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The significant inputs detailed in the above table would be expected to have the following impacts to the valuations: </span></div><div style="margin-top:6pt;padding-left:36pt;text-indent:-9pt"><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:5.5pt">A decrease in CPR would result in a longer weighted average life of the trust, resulting in a decrease to the valuation due to the delay in residual cash flows with the increased term. The opposite is true for an increase in the CPR.  </span></div><div style="margin-top:6pt;padding-left:36pt;text-indent:-9pt"><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:5.5pt">A decrease in the probability of defaults means increased principal receipts, resulting in an increase to the valuation due to the increase in residual cash flow. </span></div><div style="margin-top:6pt;padding-left:36pt;text-indent:-9pt"><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:5.5pt">Conversely, an increase in the probability of defaults means decreased principal receipts, resulting in a decrease to the valuation due to the decrease in residual cash flow.</span></div><div style="margin-top:6pt;text-indent:9pt"><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: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:96.111%"><tr><td style="width:1.0%"></td><td style="width:27.801%"></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: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:9.449%"></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: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:9.454%"></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%">2024</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%">2023</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 style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,110,381&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,902,158&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,208,223&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,229,045&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">19,772,293&#160;</span></td><td style="background-color:#ededee;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%">2,456,752&#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%">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%">&#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%">542,775&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">534,064&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,711&#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></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><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">4,700,366&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,700,366&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">4,149,838&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,149,838&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">53,262&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,262&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">54,481&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,481&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">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%">1,933,226&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,933,226&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">2,411,622&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,411,622&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">1,663,474&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,546,590&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">116,884&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,448,766&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,379,904&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,862&#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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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;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 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%">32,460,709&#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><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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">29,135,602&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,325,107&#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><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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,836,527&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">28,302,202&#160;</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%">2,534,325&#160;</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%">Interest-bearing 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><td 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%">Money-market and savings accounts</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%">10,503,731&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,526,324&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">22,593&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,134,883&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">11,203,292&#160;</span></td><td style="background-color:#ffffff;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%">68,409&#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%">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%">10,593,666&#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%">10,540,428&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(53,238)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,380,684&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,448,365&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67,681&#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></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%">6,323,384&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,440,345&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">116,961&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,873,690&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,227,512&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">353,822&#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%">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:9pt;font-weight:400;line-height:100%">108,488&#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%">108,488&#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%">&#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%">105,066&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">105,066&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">40&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">370&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">370&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">27,529,309&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,615,625&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">86,316&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,494,693&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">26,984,605&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">489,912&#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 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%">3,411,423&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></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%">3,024,237&#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><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><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%">Investments classified as trading are carried at fair value in the consolidated financial statements. Investments in residual class interests are valued using observable inputs in the cash flow modeling where available, but many significant inputs are unobservable. Residual interests are not exchange traded nor do they have quoted market prices, as they are unique and do not actively trade. 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. The fair value of most of our non-residual vertical risk retention investments is estimated using pricing indications obtained from the investment bankers who participate in the asset-backed securities market. As such, these </span></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">are level 2 valuations. Where we are unable to obtain pricing indications for our non-residual vertical risk retention investments, we classify them as level 3 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</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 third quarter of 2024, we transferred our FFELP Loan portfolio to loans held for sale as we planned to sell our FFELP Loan portfolio. At that time, we wrote down this loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $8&#160;million. We subsequently sold the FFELP Loan portfolio to a third party during the fourth quarter of 2024. </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, 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%">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 secured borrowings is estimated using pricing indications obtained from the investment bankers who participate in the asset-backed securities market. The fair value of our long-term unsecured borrowings is sourced from a third-party pricing service.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%">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 SOFR 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 (SOFR). These valuations are determined through standard pricing models using the stated terms of the borrowings and observable yield curves.<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_FairValueDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-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_FairValueDisclosuresTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 107<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-107<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6A<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6A<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6A<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 940<br> -SubTopic 820<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478119/940-820-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueDisclosuresTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>47
<FILENAME>R25.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593876736">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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%">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:6pt;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:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">In July 2023, the federal banking agencies proposed a rule to implement significant changes to the U.S. Basel III regulatory capital requirements. The proposed changes to the regulatory capital requirements generally would amend or introduce approaches and methodologies that would apply to banking organizations with total consolidated assets of $100&#160;billion or more or to banking organizations with significant trading activity. The proposed rule therefore would not affect the Bank&#8217;s capital requirements or the calculation of its capital ratios. </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%">Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopted</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, could 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 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. On each of January 1 of 2022, 2023 and 2024, 25 percent of the adjusted transition amounts was phased in for regulatory capital purposes. On January 1, 2025, the remaining 25 percent of the adjusted transition amounts was phased in for regulatory capital purposes, with the phased-in amounts included in regulatory capital at the beginning of the 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:115%">At December 31, 2024, the adjusted transition amounts that were deferred and are being phased in for regulatory capital purposes are as follows: </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:97.916%"><tr><td style="width:1.0%"></td><td style="width:18.332%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.792%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.509%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.509%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.644%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.509%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.644%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.509%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.644%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.509%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.799%"></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%">Adjusted 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%">Phase-In <br/>Amounts 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%">Phase-In <br/>Amounts 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%">Phase-In <br/>Amounts 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%">Remaining Adjusted Transition Amounts to be Phased-In</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%">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, 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2024</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><td colspan="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%">836,351&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(209,088)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(209,088)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(209,088)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">209,087&#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: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%">1,038,145&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">259,537&#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%">104,377&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26,094)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26,094)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26,095)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,094&#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%">(76,542)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(76,542)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(76,543)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,544&#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="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 Bank&#8217;s required and actual regulatory capital amounts and ratios, including applicable capital conservation buffers, under U.S. Basel III are shown in the following table. The following capital amounts and ratios are based upon the Bank&#8217;s average assets and risk-weighted assets, as indicated. The Bank has elected to exclude accumulated other comprehensive income related to both available-for-sale investments and swap valuations from Common Equity Tier 1 Capital. At December 31, 2024 and December 31, 2023, the unrealized loss on available-for-sale investments included in other comprehensive income totaled $83&#160;million and $115&#160;million, net of tax of $27&#160;million and $37&#160;million, respectively. The capital ratios would remain above the well capitalized thresholds, including applicable capital conservation buffers, if the unrealized loss became fully recognized into capital.</span></div><div style="text-indent:22.5pt"><span><br/></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"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2024</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">(3)</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">:</span></div></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%">2,957,067&#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%">11.3&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,827,318&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,957,067&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,218,886&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,294,663&#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%">12.6&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,740,976&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,957,067&#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%">9.7&#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: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%">1,213,505&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 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"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2023</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">(3)</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;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></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%">3,019,973&#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%">12.3&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,719,621&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,019,973&#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%">12.3&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,088,111&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,334,140&#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%">13.6&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,579,432&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,019,973&#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%">10.2&#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 style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,184,213&#160;</span></td><td 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 style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"><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:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">        &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div><div style="padding-left:63pt;padding-right:54pt;text-indent:-13.5pt"><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:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline">Reflects the U.S. Basel III minimum required ratio plus the applicable capital conservation buffer. </span></div><div style="padding-left:63pt;padding-right:54pt;text-indent:-13.5pt"><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:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline">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 style="padding-left:63pt;padding-right:54pt;text-indent:-13.5pt"><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:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline">For both December 31, 2024 and 2023, the actual amounts and the actual ratios include the respective adjusted transition amounts discussed above that were phased in at the beginning of 2024 and 2023. </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%">Bank Dividends</span></div><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%">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 Company </span></div>relies on dividends from the Bank, as necessary, to enable the Company to pay any declared dividends and other payments and consummate share repurchases, as described herein. The Bank declared $570&#160;million, $550 million, and $700&#160;million in dividends to the Company for the years ended December 31, 2024, 2023, and 2022, respectively, with the proceeds primarily used to fund 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>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-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_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>48
<FILENAME>R26.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506290576">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CompensationAndRetirementDisclosureAbstract', window );"><strong>Retirement Benefits [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="Show.showAR( this, 'defref_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock', window );">Defined Contribution Plans</a></td>
<td class="text">Defined Contribution Plans<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 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, 2024, 2023, and 2022, we contributed $10 million, $8 million, and $7 million, respectively, to this plan.</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_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 710<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/710/tableOfContent<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 712<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/712/tableOfContent<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 715<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/715/tableOfContent<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 718<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/718/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CompensationAndEmployeeBenefitPlansTextBlock</td>
</tr>
<tr>
<td style="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_CompensationAndRetirementDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CompensationAndRetirementDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-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>49
<FILENAME>R27.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593874992">
<tr>
<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, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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:5pt;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 that we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by us. At December 31, 2024, we had $2.3 billion of outstanding contractual loan commitments which we expect to fund during the remainder of the 2024/2025 academic year. At December 31, 2024, we had an $85 million reserve recorded in &#8220;Other Liabilities&#8221; to cover lifetime expected credit losses on the unfunded commitments. See Note 2,&#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses &#8212; Off-Balance Sheet Exposure for Contractual Loan Commitments&#8221; and Note 6, &#8220;Allowance for Credit Losses and Unfunded Loan Commitments &#8212; Unfunded Loan Commitments&#8221; in this Form 10-K for additional information.</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%">Contingencies</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 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:5pt;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: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 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><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_CommitmentsAndContingenciesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_CommitmentsAndContingenciesDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for commitments and contingencies.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 405<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/405-30/tableOfContent<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 440<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482648/440-10-50-4<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 450<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/450/tableOfContent<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 954<br> -SubTopic 440<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478522/954-440-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 440<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482648/440-10-50-4<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 440<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/440/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommitmentsAndContingenciesDisclosureTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>50
<FILENAME>R28.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692610693504">
<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, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2022</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><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;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><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;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><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">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%">2.3&#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%">3.8&#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%">4.1&#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 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%">(2.0)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.3)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.5)</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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.8&#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%">2.0&#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:#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%">23.8&#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%">25.3&#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><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%">25.6&#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:14pt;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 business tax credits and the impact of state taxes, net of federal benefit, for the years ended December 31, 2024, 2023, and 2022.</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-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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2022</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%">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%">181,132&#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: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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">175,977&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">205,954&#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%">43,506&#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:9pt;font-weight:400;line-height:100%">44,152&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49,427&#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%">224,638&#160;</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%">220,129&#160;</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%">255,381&#160;</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%">(19,032)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,687)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(75,978)</span></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%">(15,295)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,537)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17,692)</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 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%">(34,327)</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%">(23,224)</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%">(93,670)</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">190,311&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">196,905&#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%">161,711&#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 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><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 #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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</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><td 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%">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%">376,029&#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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">354,412&#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;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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,209&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,176&#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 expenses not currently deductible</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,841&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,297&#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%">Unrecorded tax benefits</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%">12,008&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,568&#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%">Research and development costs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38,119&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,519&#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%">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:9pt;font-weight:400;line-height:100%">12,885&#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%">10,847&#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="background-color:#ffffff;padding:2px 1pt;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:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,394&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,536&#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 loss carryovers</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%">26&#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="display:none"></td><td colspan="3" style="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</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,785&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,426&#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 assets</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%">498,270&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">459,807&#160;</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%">Deferred tax 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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">22,873&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,908&#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%">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%">7,708&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,533&#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%">Federal deferred for state 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%">1,908&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,171&#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="display:none"></td><td colspan="3" style="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</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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%">614&#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%">32,891&#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><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%">26,226&#160;</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%">465,379&#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%">433,581&#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></tr></table></div><div style="margin-top:12pt;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 $234 million and $223 million as of December 31, 2024 and 2023, respectively. The Company has recorded a valuation allowance against these net operating losses of $234&#160;million and $223&#160;million, respectively. Also included in operating loss carryovers is a capital loss of $23&#160;million and $18&#160;million as of December 31, 2024 and 2023, 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 are more likely than not to expire prior to being realized. Included in net unrealized losses is a valuation allowance of $5&#160;million and $4&#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-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, net unrealized losses 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, 2024, the state net operating loss carryforwards will begin to expire in 2029 and the capital losses will begin to expire 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><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2022</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><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,123&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79,366&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">75,328&#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></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,232&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,204&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,049&#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%">Decreases resulting from tax positions taken during a prior 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:9pt;font-weight:400;line-height:100%">(1,890)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(250)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,327)</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 resulting from tax positions taken during the 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%">3,218&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,711&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,032&#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%">Decreases related to settlements with taxing authorities</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%">(18,349)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10,089)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,666)</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%">Reductions related to the lapse of statute of limitations</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,927)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,819)</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%">(7,050)</span></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%">Unrecognized tax benefits at end of year</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48,407&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">68,123&#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%">79,366&#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:12pt;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, 2024, the gross unrecognized tax benefits are $48 million. Included in the $48 million are $39&#160;million of unrecognized tax benefits that, if recognized, would favorably impact the effective tax rate.</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, 2024, 2023, and 2022, the total amount of income tax-related accrued interest and penalties, net of related benefit, recognized in the consolidated balance sheets was $11 million, $8 million, and $8 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, 2024, 2023, and 2022, the total amount of income tax-related accrued interest, net of related tax benefit, recognized in the consolidated statements of income was $3 million, $2 million, and $(2)&#160;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 2020 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:f-3084">three</span> to <span style="-sec-ix-hidden:f-3085">four</span> prior years). 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 $11 million during the next 12 months due to the expiration of statutes of limitations. The reduction in the uncertain tax position reserve would be reflected as a tax benefit.<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_IncomeTaxDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-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_IncomeTaxDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for income tax.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 231<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-231<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12C<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12B<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 270<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477891/740-270-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.5.Q1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480990/946-20-50-13<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/740/tableOfContent<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-14<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 21<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-21<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 17<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-17<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 11.C)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479360/740-10-S99-2<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482603/740-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>51
<FILENAME>R29.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506504064">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Concentrations of Risk<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RisksAndUncertaintiesAbstract', window );"><strong>Risks and Uncertainties [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="Show.showAR( this, 'defref_us-gaap_ConcentrationRiskDisclosureTextBlock', window );">Concentrations of Risk</a></td>
<td class="text">Concentrations of Risk <span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span><div style="margin-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 a number of risks, including, but not limited 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><div style="margin-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 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></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 Associated with Deposit Products</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 achieve our business goals, including funding our Private Education Loans, is heavily reliant on our ability to obtain deposits. We expect to compete for deposits based primarily on a combination of reputation, rate, and availability  of information about our deposit products. Our competitors, many of whom have greater financial resources or lower costs than we do, may be more effective in attracting new deposits and retaining existing deposits such as by offering more competitive rates, dedicating more resources for advertising, or engaging in more effective forms of marketing. </span></div>At December 31, 2024, our brokered deposits represented 45 percent of our total deposits. Brokered deposits may be more price sensitive than other types of deposits and may become less available if alternative investments offer higher returns. In addition, our ability to maintain existing balances of all deposit types or obtain additional deposits of any type 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, general economic conditions, including high unemployment and decreased savings rates, and adverse developments in the financial services industry generally. 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></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConcentrationRiskDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 275<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/275/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConcentrationRiskDisclosureTextBlock</td>
</tr>
<tr>
<td style="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_RisksAndUncertaintiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RisksAndUncertaintiesAbstract</td>
</tr>
<tr>
<td style="padding-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>52
<FILENAME>R30.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506303776">
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>Condensed Financial Information 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="Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock', window );">Parent Only Statements</a></td>
<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:81.250%"><tr><td style="width:1.0%"></td><td style="width:69.156%"></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:12.575%"></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:12.577%"></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 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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">At December 31, (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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</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><td 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%">391,481&#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%">237,857&#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 in subsidiaries (primarily Sallie Mae Bank)</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%">2,773,211&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,628,838&#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%">Due from subsidiaries, 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%">43,556&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,679&#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 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%">2,165&#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%">2,270&#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%">3,210,413&#160;</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%">2,932,644&#160;</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></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><td colspan="3" style="background-color:#ffffff;padding:0 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%">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="display:none"></td><td colspan="3" style="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%">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 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">995,420&#160;</span></td><td style="background-color:#ffffff;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%">992,200&#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%">22,440&#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%">26,701&#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="background-color:#ffffff;padding:2px 1pt;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%">32,633&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">32,946&#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%">1,050,493&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,051,847&#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></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></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%">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 $0.20 per share, 20 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: 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:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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;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 $0.20 per share, 1.125 billion shares authorized: 440.6 million and 438.2 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%">88,121&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">87,647&#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%">1,193,753&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,148,689&#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 $(21,209) and $(24,176), 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%">(65,861)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(75,104)</span></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%">4,114,446&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,624,859&#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%">5,581,529&#160;</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%">5,037,161&#160;</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: 230.2 million and 217.9 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%">(3,421,609)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,156,364)</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 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%">2,159,920&#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><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%">1,880,797&#160;</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 liabilities and equity</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%">3,210,413&#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%">2,932,644&#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: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:74.027%"><tr><td style="width:1.0%"></td><td style="width:49.931%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.113%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.113%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.113%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.912%"></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: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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2022</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><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,660&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,334&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">4,084&#160;</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%">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%">39,855&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">39,850&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">39,860&#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 loss</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%">(28,195)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(30,516)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(35,776)</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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">114&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,701)</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%">(5,117)</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%">62,696&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">61,958&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,466&#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%">Loss before income tax benefit and equity in net income from subsidiaries</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%">(90,777)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(95,175)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(96,359)</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 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%">(7,117)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,942)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10,351)</span></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%">Equity in net income from subsidiaries (primarily Sallie Mae Bank)</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%">691,985&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">669,624&#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%">555,022&#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%">608,325&#160;</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%">581,391&#160;</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%">469,014&#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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">18,296&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,705&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,029&#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 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-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">590,029&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">563,686&#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%">459,985&#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;text-indent:24.75pt"><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2022</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%">Cash flows from 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%">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%">608,325&#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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">581,391&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">469,014&#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%">Adjustments to reconcile net income to net cash 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%">(691,985)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(669,624)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(555,022)</span></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%">Dividends received from Sallie Mae Bank</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%">569,500&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">550,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">699,500&#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%">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: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%">2,816&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,231&#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%">Amortization of unsecured debt upfront fees</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%">2,647&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,643&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,651&#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%">Amortization of discount on unsecured 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%">573&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">571&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">571&#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%">Acquisition related costs</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%">952&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,603&#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%">(Increase) decrease in investment in subsidiaries, 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%">27,350&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35,654&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,179)</span></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%">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%">20,123&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36,864&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,124&#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%">(14,265)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(13,422)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,533)</span></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%">(4,261)</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%">490&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,713)</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%">&#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%">(101)</span></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 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%">1,053&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,442)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,836)</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%">(89,265)</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%">(56,498)</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%">120,296&#160;</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%">519,060&#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:9pt;font-weight:400;line-height:100%">524,893&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">589,310&#160;</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%">Purchase of subsidiary, net of cash acquired</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(14,654)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(127,654)</span></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%">Net cash used in 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 #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(14,654)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(127,654)</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 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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(375)</span></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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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:#ededee;padding:2px 1pt;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:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(99,172)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(101,233)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(112,961)</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 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%">(18,296)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17,705)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,029)</span></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%">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:9pt;font-weight:400;line-height:100%">(247,968)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(350,264)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(713,197)</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 cash used in 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:9pt;font-weight:400;line-height:100%">(365,436)</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%">(469,202)</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%">(835,562)</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 increase (decrease) in cash and cash equivalents</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%">153,624&#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%">41,037&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(373,906)</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%">Cash and cash equivalents 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:9pt;font-weight:400;line-height:100%">237,857&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">196,820&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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:#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">391,481&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">237,857&#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%">196,820&#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><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract</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_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 2: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>53
<FILENAME>R31.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506101216">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Segment Reporting<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SegmentReportingAbstract', window );"><strong>Segment Reporting [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="Show.showAR( this, 'defref_us-gaap_SegmentReportingDisclosureTextBlock', window );">Segment Reporting</a></td>
<td class="text">Segment Reporting<div style="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 Company is managed as a single line of business with a single reportable segment originating and servicing high-quality Private Education Loans and providing other education-related services to customers. Our consolidated financial results are regularly reviewed by the Company&#8217;s Chief Executive Officer (the &#8220;CEO&#8221;) to allocate resources and evaluate financial 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%">The CEO evaluates the performance of the Company and decides how to allocate resources based on net income and total consolidated assets. The CEO uses net income to assess financial performance and to decide whether to re-invest profits into the Company or to return capital to shareholders in the form of dividends or the repurchase of common stock. Net income is also used to compare budget versus actual results, and the budget versus actual analysis is part of the segment financial performance review. </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 illustrates the significant expense categories and amounts regularly provided to the CEO.</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:89.166%"><tr><td style="width:1.0%"></td><td style="width:54.974%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.890%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.451%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.890%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.451%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.890%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.454%"></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2022</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%">Non-interest expenses:</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 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%">Compensation and benefits</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%">349,387&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">326,554&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">270,354&#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%">Professional fees</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%">129,472&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145,062&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">164,226&#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%">Technology 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%">57,431&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,942&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48,561&#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%">FDIC assessment fees</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%">51,606&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">45,766&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,939&#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%">Other operating 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%">48,674&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46,882&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,382&#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;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">636,570&#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%">619,206&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">551,462&#160;</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%">Acquired intangible assets impairment and amortization 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%">5,329&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,364&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,779&#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 non-interest expenses</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">641,899&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">685,570&#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%">559,241&#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><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_SegmentReportingAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SegmentReportingAbstract</td>
</tr>
<tr>
<td style="padding-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_SegmentReportingDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 48<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-48<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 270<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482964/270-10-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (ee)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 54<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-54<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 47<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-47<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 54<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-54<br><br>Reference 9: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 47<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-47<br><br>Reference 10: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 54<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-54<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 47<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-47<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-31<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 34<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-34<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 26C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-26C<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 26B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-26B<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-15<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-42<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 40<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-40<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/280/tableOfContent<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 26<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-26<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 41<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-41<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 21<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-21<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 21<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-21<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SegmentReportingDisclosureTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>54
<FILENAME>R32.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506511984">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventsAbstract', window );"><strong>Subsequent Events [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="Show.showAR( this, 'defref_us-gaap_SubsequentEventsTextBlock', window );">Subsequent Events</a></td>
<td class="text">Subsequent Events<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%">Unsecured Debt</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%">On January 31, 2025, we issued $500 million of 6.50 percent unsecured Senior Notes due January 31, 2030.</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%">On February 18, 2025, we redeemed $500 million of the 4.20 percent unsecured Senior Notes due October 29, 2025. The Senior Notes were redeemed at 100 percent of their principal amount, plus the accrued and unpaid interest thereon through the redemption date. As a result of the redemption, we will recognize a loss of approximately $1 million on the transaction in the first-quarter 2025 consolidated statements of income. </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%">2025 Loan Sales</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%">On February 6, 2025, we sold approximately $2.0&#160;billion of our Private Education Loans, including $1.8&#160;billion in principal, $163&#160;million in capitalized interest and $10&#160;million in accrued interest, to an unaffiliated third party. The gain on sale of loans sold expressed as a percentage was in the high single-digits and will be recognized in the first-quarter 2025 consolidated statements of income. The transaction qualified for sale treatment and removed the balance of the loans from our balance sheet on the settlement date. We will continue to service these loans pursuant to the terms of the applicable transaction documents.</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_us-gaap_SubsequentEventsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsequentEventsAbstract</td>
</tr>
<tr>
<td style="padding-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_SubsequentEventsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 855<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/855/tableOfContent<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 855<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483399/855-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsequentEventsTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>55
<FILENAME>R33.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692500531360">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Pay vs Performance Disclosure - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure</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="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 608,325<span></span>
</td>
<td class="nump">$ 581,391<span></span>
</td>
<td class="nump">$ 469,014<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PvpTable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PvpTable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</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_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-6<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-3<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-8<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-4<br><br>Reference 17: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-10<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479105/946-220-45-7<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 32: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483499/205-20-50-7<br><br>Reference 34: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B<br><br>Reference 37: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>56
<FILENAME>R34.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692502725600">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Insider Trading Arrangements<br></strong></div></th>
<th class="th" colspan="1">3 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_TradingArrByIndTable', window );"><strong>Trading Arrangements, by Individual</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="Show.showAR( this, 'defref_ecd_Rule10b51ArrAdoptedFlag', window );">Rule 10b5-1 Arrangement Adopted</a></td>
<td class="text">false<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="Show.showAR( this, 'defref_ecd_NonRule10b51ArrAdoptedFlag', window );">Non-Rule 10b5-1 Arrangement Adopted</a></td>
<td class="text">false<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="Show.showAR( this, 'defref_ecd_Rule10b51ArrTrmntdFlag', window );">Rule 10b5-1 Arrangement Terminated</a></td>
<td class="text">false<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="Show.showAR( this, 'defref_ecd_NonRule10b51ArrTrmntdFlag', window );">Non-Rule 10b5-1 Arrangement Terminated</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_NonRule10b51ArrAdoptedFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 408<br> -Subsection a<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_NonRule10b51ArrAdoptedFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</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_ecd_NonRule10b51ArrTrmntdFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 408<br> -Subsection a<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_NonRule10b51ArrTrmntdFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</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_ecd_Rule10b51ArrAdoptedFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 408<br> -Subsection a<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_Rule10b51ArrAdoptedFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</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_ecd_Rule10b51ArrTrmntdFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 408<br> -Subsection a<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_Rule10b51ArrTrmntdFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</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_ecd_TradingArrByIndTable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 408<br> -Subsection a<br> -Paragraph 2<br> -Subparagraph A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_TradingArrByIndTable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</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>57
<FILENAME>R35.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692494556640">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Insider Trading Policies and Procedures<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_InsiderTradingPoliciesProcLineItems', window );"><strong>Insider Trading Policies and Procedures [Line Items]</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="Show.showAR( this, 'defref_ecd_InsiderTrdPoliciesProcAdoptedFlag', window );">Insider Trading Policies and Procedures Adopted</a></td>
<td class="text">true<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_InsiderTradingPoliciesProcLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 408<br> -Subsection b<br> -Paragraph 1<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16<br> -Subsection J<br> -Paragraph a<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_InsiderTradingPoliciesProcLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</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_ecd_InsiderTrdPoliciesProcAdoptedFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 408<br> -Subsection b<br> -Paragraph 1<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16<br> -Subsection J<br> -Paragraph a<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_InsiderTrdPoliciesProcAdoptedFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>58
<FILENAME>R36.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692494586848">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Cybersecurity Risk Management and Strategy Disclosure<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_cyd_CybersecurityRiskManagementStrategyAndGovernanceLineItems', window );"><strong>Cybersecurity Risk Management, Strategy, and Governance [Line Items]</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="Show.showAR( this, 'defref_cyd_CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock', window );">Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]</a></td>
<td class="text"><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%">We have developed and implemented a cybersecurity risk management program intended to protect the confidentiality, integrity, and availability of our critical systems and information. Our cybersecurity risk management program includes a cybersecurity incident response standard. </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:115%">We use the Cyber Risk Institute Profile (which is based on the National Institute of Standards and Technology Cybersecurity Framework), the Federal Financial Institutions Examination Council Information Technology Examination Handbook, and the Payment Card Industry Data Security Standards as guides to help us identify, assess, and manage cybersecurity risks relevant to our business and develop and implement our cybersecurity risk management program. This does not imply that we meet any particular technical standards, specifications, or requirements.</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:115%">Our cybersecurity risk management program is integrated with our overall enterprise risk management program, and shares common methodologies, reporting channels, and governance processes that apply across the enterprise risk management program to other legal, compliance, strategic, operational, and financial risk areas.</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:115%">Our cybersecurity risk management program includes the following key elements:</span></div><div style="text-indent:22.5pt"><span><br/></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">risk assessments designed to help identify material cybersecurity risks to our critical systems, information, services, and our broader enterprise information technology (&#8220;IT&#8221;) environment; </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">a team comprised of IT security, IT infrastructure, and IT compliance personnel principally responsible for directing (i) our cybersecurity risk assessment processes, (ii) our security processes, and (iii) our response to cybersecurity incidents;</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 use of external cybersecurity service providers, where appropriate, to assess, test, or otherwise assist with aspects of our security processes;</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">cybersecurity awareness training of employees with access to our IT systems; </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">a cybersecurity incident response standard and Crisis Management Policy that guide our response to cybersecurity incidents; and</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: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">a third-party risk identification and management process for service providers.</span></div>We face certain ongoing risks from cybersecurity threats that, if realized, are reasonably likely to materially affect us, including our operations, business strategy, results of operations, and/or financial condition. See Item 1A. &#8220;Risk Factors &#8211; OPERATIONAL RISKS &#8211; 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&#8221; in this Form 10-K.<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="Show.showAR( this, 'defref_cyd_CybersecurityRiskManagementProcessesIntegratedFlag', window );">Cybersecurity Risk Management Processes Integrated [Flag]</a></td>
<td class="text">true<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="Show.showAR( this, 'defref_cyd_CybersecurityRiskManagementProcessesIntegratedTextBlock', window );">Cybersecurity Risk Management Processes Integrated [Text Block]</a></td>
<td class="text">We have developed and implemented a cybersecurity risk management program intended to protect the confidentiality, integrity, and availability of our critical systems and information. Our cybersecurity risk management program includes a cybersecurity incident response standard.<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="Show.showAR( this, 'defref_cyd_CybersecurityRiskManagementThirdPartyEngagedFlag', window );">Cybersecurity Risk Management Third Party Engaged [Flag]</a></td>
<td class="text">true<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="Show.showAR( this, 'defref_cyd_CybersecurityRiskThirdPartyOversightAndIdentificationProcessesFlag', window );">Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]</a></td>
<td class="text">true<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="Show.showAR( this, 'defref_cyd_CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantFlag', window );">Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]</a></td>
<td class="text">false<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="Show.showAR( this, 'defref_cyd_CybersecurityRiskBoardOfDirectorsOversightTextBlock', window );">Cybersecurity Risk Board of Directors Oversight [Text Block]</a></td>
<td class="text">Our Board of Directors considers cybersecurity risk as critical to the enterprise and delegates the cybersecurity risk oversight function to the Operational and Compliance Risk Committee of the Board. The Operational and Compliance Risk Committee of our Board of Directors oversees management&#8217;s design, implementation, and enforcement of our cybersecurity risk management program.<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="Show.showAR( this, 'defref_cyd_CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock', window );">Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]</a></td>
<td class="text">Our Chief Security Officer (&#8220;CSO&#8221;) reports to our Chief Operational Officer and President of the Bank and leads the Company&#8217;s overall cybersecurity function.  Our CSO provides periodic updates on our cybersecurity risk management program to the management-level Operational and Compliance Risk Committee (&#8220;OCRC&#8221;) and Executive Committee (&#8220;EC&#8221;).<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="Show.showAR( this, 'defref_cyd_CybersecurityRiskProcessForInformingBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock', window );">Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]</a></td>
<td class="text"><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 Board of Directors considers cybersecurity risk as critical to the enterprise and delegates the cybersecurity risk oversight function to the Operational and Compliance Risk Committee of the Board. The Operational and Compliance Risk Committee of our Board of Directors oversees management&#8217;s design, implementation, and enforcement of our cybersecurity risk management program. </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:115%">Our Chief Security Officer (&#8220;CSO&#8221;) reports to our Chief Operational Officer and President of the Bank and leads the Company&#8217;s overall cybersecurity function.  Our CSO provides periodic updates on our cybersecurity risk management program to the management-level Operational and Compliance Risk Committee (&#8220;OCRC&#8221;) and Executive Committee (&#8220;EC&#8221;).  The Operational and Compliance Risk Committee of our Board of Directors also receives periodic reports from our CSO on our cybersecurity risks, including briefings on our cyber risk management program and cybersecurity incidents.</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:115%">Our CSO supervises efforts to prevent, detect, mitigate, and remediate cybersecurity risks and incidents through various means, which include: briefings from internal security personnel; threat intelligence and other </span></div><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%">information obtained from governmental, public, or private sources, including external cybersecurity service providers; and alerts and reports produced by security tools deployed in the IT environment.</span></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="Show.showAR( this, 'defref_cyd_CybersecurityRiskRoleOfManagementTextBlock', window );">Cybersecurity Risk Role of Management [Text Block]</a></td>
<td class="text">Our CSO provides periodic updates on our cybersecurity risk management program to the management-level Operational and Compliance Risk Committee (&#8220;OCRC&#8221;) and Executive Committee (&#8220;EC&#8221;).  The Operational and Compliance Risk Committee of our Board of Directors also receives periodic reports from our CSO on our cybersecurity risks, including briefings on our cyber risk management program and cybersecurity incidents.<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="Show.showAR( this, 'defref_cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleFlag', window );">Cybersecurity Risk Management Positions or Committees Responsible [Flag]</a></td>
<td class="text">true<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="Show.showAR( this, 'defref_cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock', window );">Cybersecurity Risk Management Positions or Committees Responsible [Text Block]</a></td>
<td class="text">Our Chief Security Officer (&#8220;CSO&#8221;) reports to our Chief Operational Officer and President of the Bank and leads the Company&#8217;s overall cybersecurity function.<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="Show.showAR( this, 'defref_cyd_CybersecurityRiskManagementExpertiseOfManagementResponsibleTextBlock', window );">Cybersecurity Risk Management Expertise of Management Responsible [Text Block]</a></td>
<td class="text">Our CSO is responsible for assessing and managing our material risks from cybersecurity threats, has primary responsibility for leading our overall cybersecurity risk management program, and supervises both our internal cybersecurity personnel and our external cybersecurity service providers. Our CSO has significant executive experience in managing and leading IT and cybersecurity teams in both government and the private sector and has received industry recognition in the cybersecurity area.<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="Show.showAR( this, 'defref_cyd_CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock', window );">Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]</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:115%">Our Chief Security Officer (&#8220;CSO&#8221;) reports to our Chief Operational Officer and President of the Bank and leads the Company&#8217;s overall cybersecurity function.  Our CSO provides periodic updates on our cybersecurity risk management program to the management-level Operational and Compliance Risk Committee (&#8220;OCRC&#8221;) and Executive Committee (&#8220;EC&#8221;).  The Operational and Compliance Risk Committee of our Board of Directors also receives periodic reports from our CSO on our cybersecurity risks, including briefings on our cyber risk management program and cybersecurity incidents.</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="Show.showAR( this, 'defref_cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleReportToBoardFlag', window );">Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]</a></td>
<td class="text">true<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cyd_CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection c<br> -Paragraph 1<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection c<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</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_cyd_CybersecurityRiskBoardOfDirectorsOversightTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection c<br> -Paragraph 1<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection c<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskBoardOfDirectorsOversightTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</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_cyd_CybersecurityRiskManagementExpertiseOfManagementResponsibleTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection c<br> -Paragraph 2<br> -Subparagraph i<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection c<br> -Paragraph 2<br> -Subparagraph i<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskManagementExpertiseOfManagementResponsibleTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</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_cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection c<br> -Paragraph 2<br> -Subparagraph i<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection c<br> -Paragraph 2<br> -Subparagraph i<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>i: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_cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleReportToBoardFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection c<br> -Paragraph 2<br> -Subparagraph iii<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection c<br> -Paragraph 2<br> -Subparagraph iii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleReportToBoardFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>i: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_cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection c<br> -Paragraph 2<br> -Subparagraph i<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection c<br> -Paragraph 2<br> -Subparagraph i<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</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_cyd_CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection b<br> -Paragraph 1<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection b<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</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_cyd_CybersecurityRiskManagementProcessesIntegratedFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection b<br> -Paragraph 1<br> -Subparagraph i<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection b<br> -Paragraph 1<br> -Subparagraph i<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskManagementProcessesIntegratedFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>i: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_cyd_CybersecurityRiskManagementProcessesIntegratedTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection b<br> -Paragraph 1<br> -Subparagraph i<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection b<br> -Paragraph 1<br> -Subparagraph i<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskManagementProcessesIntegratedTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</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_cyd_CybersecurityRiskManagementStrategyAndGovernanceLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskManagementStrategyAndGovernanceLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>i: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_cyd_CybersecurityRiskManagementThirdPartyEngagedFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection b<br> -Paragraph 1<br> -Subparagraph ii<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection b<br> -Paragraph 1<br> -Subparagraph ii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskManagementThirdPartyEngagedFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>i: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_cyd_CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection b<br> -Paragraph 2<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection b<br> -Paragraph 2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>i: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_cyd_CybersecurityRiskProcessForInformingBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection c<br> -Paragraph 1<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection c<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskProcessForInformingBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</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_cyd_CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection c<br> -Paragraph 2<br> -Subparagraph ii<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection c<br> -Paragraph 2<br> -Subparagraph ii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</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_cyd_CybersecurityRiskRoleOfManagementTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection c<br> -Paragraph 2<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection c<br> -Paragraph 2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskRoleOfManagementTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</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_cyd_CybersecurityRiskThirdPartyOversightAndIdentificationProcessesFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Section 106<br> -Subsection b<br> -Paragraph 1<br> -Subparagraph iii<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Section 16K<br> -Subsection b<br> -Paragraph 1<br> -Subparagraph iii<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cyd_CybersecurityRiskThirdPartyOversightAndIdentificationProcessesFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cyd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>i: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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>59
<FILENAME>R37.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692507253952">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_UseOfEstimates', window );">Use of Estimates and Assumptions</a></td>
<td class="text"><div style="margin-top:9pt;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:5pt;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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ConsolidationPolicyTextBlock', window );">Consolidation</a></td>
<td class="text"><div style="margin-top:9pt;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>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPolicyTextBlock', window );">Cash and Cash Equivalents</a></td>
<td class="text"><div style="margin-top:9pt;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>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>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentPolicyTextBlock', window );">Trading and Available-for-Sale Investments</a></td>
<td class="text"><div style="margin-top:9pt;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: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 are 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 residual classes, which we classify as trading investments recorded at fair value with changes recorded through earnings.</span></div><div style="margin-top:9pt;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:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our available-for-sale investments consist of mortgage-backed securities, Utah Housing Corporation bonds, U.S. government-sponsored enterprises and Treasury securities, and the vertical risk retention interests described above (other than residual classes). 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:5pt;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>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy', window );">Other Investments</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 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 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>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></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinanceLoansAndLeasesReceivablePolicy', window );">Loans Held for Investment</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%">Loans Held for Investment</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%">Loans, consisting of Private Education Loans, 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;</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#8212; </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loan Interest Income.&#8221; Loans that are held for investment are reported net of an allowance for credit losses. During the third quarter of 2024, we transferred our FFELP Loan portfolio from loans held for investment to loans held for sale as we planned to sell the portfolio. During the fourth quarter of 2024, we sold our FFELP Loan portfolio to a third party. This transaction qualified for sale treatment and removed the balance of the loans from our balance sheet on the settlement date.</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="Show.showAR( this, 'defref_slm_LoansHeldForSalePolicyTextBlock', window );">Loans Held for Sale</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%">Loans 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%">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 that 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 that loan.</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 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>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_RestrictedCashandInvestmentsPolicyTextBlock', window );">Restricted Cash</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%">Restricted Cash </span></div>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></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock', window );">Allowance for Credit Losses</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%">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%">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 method. This method requires us to project future principal and interest cash flows on our loans in those portfolios. </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%">To estimate the future expected cash flows, we use statistical loan-level models that consider life of loan expectations for defaults, prepayments, recoveries, and any other qualitative 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:6pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We estimate future default rates used in our current expected credit losses at a loan level using historical loss experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable period. At the end of the reasonable and supportable forecast period, we immediately revert our forecasted economic factors to long-term historical averages. We estimate future prepayment speeds used in our current expected credit losses at a loan level using historical prepayment experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable 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-weight:400;line-height:120%">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. 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: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 future default rates and prepayment speeds in our current expected credit losses, we use a combination of expected economic scenarios coupled with our historical experience and adjust 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%">We obtain forecasts for our loss model 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 December 31, 2024, December 31, 2023, and December 31, 2022, we used the Baseline (50th percentile likelihood of occurring)/S1 (stronger near-term growth scenario - 10 percent likelihood of occurring)/S3 (unfavorable (or downside) scenario - 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%">In estimating recoveries, we use both estimates of what we expect to 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%">In addition to the above modeling approach, we also take certain qualitative factors into consideration when calculating the allowance for credit losses, which could result in management overlays (increases or decreases to the allowance for credit losses). These management overlays can encompass a broad array of factors not captured by model inputs, including, but not limited to, changes in lending policies and procedures, including changes in underwriting standards, changes in servicing policies and collection administration practices, including the loan modification program changes implemented in the fourth quarter of 2023, state law changes that could impact servicing and collection practices, charge-offs, recoveries not already included in the analysis, the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses, the performance of the model over time versus actual losses, and any other operational or regulatory changes that could affect our estimate of 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%">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 </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%">the estimate of the allowance for credit losses, the timing of when losses are recognized, and the related provision for credit losses in 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; 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%">Of the model inputs outlined above, economic forecasts, weighting of economic forecasts, 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 the fourth quarter of 2022, we changed our loss model to include forecasts of college graduate unemployment, retail sales, and median family income in determining the adequacy of the allowance for credit losses. Prior to this change, we included forecasts of college graduate unemployment and the Consumer Price Index in our loss forecasting models. </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 2023, we experienced slower prepayment rates due to the rising interest rate environment.  Historically, when rates rise, loan prepayments decline due to a reduction in consolidation activity of our borrowers to third party lenders, and when rates decline, loan prepayments rise due to an increase in consolidation activity of our borrowers to third party lenders. During 2023, our estimates of future prepayment speeds reflected the then current interest rate environment and future expectations of increased prepayment speeds in line with market expectations of a decline in interest rates based on the scenarios produced by Moody's Analytics described above. Slower prepayment speeds increase the allowance for credit losses because the loss rates applied in the future periods are applied to higher loan balances. In the second quarter of 2024, we implemented a loan-level future default rate model that includes current portfolio characteristics and forecasts of real gross domestic product and college graduate unemployment. </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 the second quarter of 2024, we also implemented a future prepayment speeds model to include forecasts of real gross domestic product, retail sales, the Secured Overnight Financing Rate (&#8220;SOFR&#8221;), and the U.S. 10-year treasury rate. These models reduce the reliance on certain qualitative overlays compared to the previous default rate and prepayment speeds models. Prior to these changes, our default rate and prepayment speeds models used forecasts of college graduate unemployment, retail sales, home price index, and median family income. Both the future default rate model and the future prepayment speeds model are used in determining the adequacy of the allowance for credit losses. The combined impact upon implementation of these model enhancements and the changes in the related qualitative overlays did not have a material impact on the overall level of our allowance for credit losses.</span></div>Below we describe in further detail our policies and procedures for the allowance for credit losses as they relate to our Private Education Loan portfolio. During the third quarter of 2024, we reclassified our FFELP Loan portfolio to loans held for sale and subsequently sold the FFELP Loan portfolio to a third party during the fourth quarter of 2024. During the third quarter of 2022, we reclassified our Credit Card loan portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023.<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="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</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 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%">In the second quarter of 2023, we changed how we collect on defaulted loans. Previously, we used a mix of in-house collectors and sales to third parties. We continue to sell a segment of defaulted loans immediately after charge-off but no longer sell retained defaulted loans (that have been subject to internal collection attempts for six months) to third parties and instead continue our collection efforts using in-house collectors and third-party collectors. This improved our estimate of recovery rates for the year ended December 31, 2023. When we estimate the timing and amount of future recoveries on charged-off loans, we no longer include expectations of future sales on retained defaulted loans. We continue to monitor how we collect on defaulted loans and may modify the approach from time to time based on performance, industry conventions, and/or regulatory feedback.</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 December 31, 2022, 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 December 31, 2024 and 2023, 26 percent and 25 percent, respectively, 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 (forbearance) for certain borrowers requesting an extended grace period upon leaving school or experiencing temporary difficulty meeting payment obligations.</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 the metrics considered are the allowance coverage of net charge-offs ratio; the allowance as a percentage of ending total loans plus unfunded loan commitments and total accrued interest receivable; 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 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><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock', window );">Off-Balance Sheet Exposure for Contractual Loan Commitments and Uncollectible Interest</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 </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 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>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 and the allowance for credit losses described above consider both the collectability of principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. The allowance for uncollectible interest uses historical experience to estimate the uncollectible interest on loans for which payment in full of principal or interest is not expected.  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>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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 </span></div>At September 30, 2022, we transferred our Credit Card portfolio to loans held for sale as we planned to sell our Credit Card portfolio.  At that time, we reversed $2.4&#160;million through the provisions for credit losses for the allowance related to these loans. We subsequently sold the Credit Card portfolio to a third party in May 2023.<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="Show.showAR( this, 'defref_slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock', window );">Allowance For FFELP 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 FFELP 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-weight:400;line-height:120%">During the third quarter of 2024, we transferred our FFELP Loan portfolio to loans held for sale as we planned to sell our FFELP Loan portfolio. At that time, we wrote down this loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $8&#160;million. We subsequently sold the FFELP Loan portfolio to a third party in the fourth quarter of 2024.  </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%">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, owners receive 97 percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, owners receive 98 percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, owners receive 100 percent reimbursement. Because owners 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 were 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%">For the years ended December 31, 2023 and 2022, we used the gross loss approach when estimating the allowance for credit losses for the unguaranteed portion of our FFELP Loans. We maintained 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 used historical experience of customer default behavior. We applied the default rate projections, net of applicable risk sharing, to our FFELP Loans for the respective 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><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationsPolicy', window );">Business Combinations</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:700;line-height:120%">Business Combinations </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 4, 2022, we completed the acquisition of the assets primarily used or held for use of Epic Research Education Services, LLC, which did business as Nitro College (&#8220;Nitro&#8221;). Nitro provided resources that helped students and families evaluate how to responsibly pay for college and manage their financial responsibilities after graduation. The addition of Nitro supports our mission of providing students with the confidence needed to successfully navigate the higher education journey. The acquisition of the Nitro assets, including its employees and intellectual property, expanded our digital marketing capabilities, reduced the cost to acquire customer accounts, and accelerated our progress to become a broader education solutions provider for students before, during, and immediately after college. In 2024, we completed the transition of the related Nitro branding to the Sallie and Sallie Mae brands and platforms. </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 July 21, 2023, we completed the acquisition of several key assets of Scholly, Inc. (&#8220;Scholly&#8221;). Scholly was engaged in the business of operating as a scholarship publishing and servicing platform, comprised of websites and mobile application search products that offered custom recommendations for post-secondary scholarships for students, their families, and others as well as related services for scholarship providers. The addition of Scholly assets supports our mission of providing students with the confidence needed to successfully navigate the higher education journey.</span></div>These acquisitions were accounted for as business combinations using the acquisition method of accounting in accordance with the Accounting Standard Codification 805, &#8220;Business Combinations,&#8221; of the Financial Accounting Standards Board (&#8220;FASB&#8221;), whereby as of the respective acquisition date, the acquired tangible assets and liabilities were recorded at their estimated fair values. The identifiable intangible assets were recorded at fair values as determined by an independent appraiser.<div style="margin-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 results of operations of Nitro and Scholly have been included in our consolidated financial statements since the respective acquisition dates. We have not disclosed the pro forma impact of these acquisitions to the results of operations for the years ended December 31, 2023 and 2022, as the pro forma impacts were deemed immaterial. Transaction costs associated with the Nitro acquisition were approximately $3&#160;million and were expensed as incurred within &#8220;Other operating expenses&#8221; in the consolidated statements of income for the year ended December 31, 2022. Transaction costs associated with the Scholly acquisition were approximately $1&#160;million and were expensed as incurred within &#8220;Other operating expenses&#8221; in the consolidated statements of income for the year ended December 31, 2023.</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="Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock', window );">Goodwill and Acquired Intangible Assets</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:700;line-height:120%">Goodwill and Acquired Intangible Assets</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%">Acquisitions are accounted for under the acquisition method of accounting, which results in the Company allocating the purchase price to the fair value of the acquired assets, liabilities, and non-controlling interests, if any, with the remaining purchase price allocated to goodwill. </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%">Goodwill is not amortized but is tested periodically for impairment. We test goodwill for impairment annually in the fourth quarter of the year, or more frequently if we believe that indicators of impairment exist. We complete a goodwill impairment analysis, which may be a qualitative or a quantitative analysis depending on the facts and circumstances associated with the reporting unit. In conjunction with a qualitative impairment analysis, we assess relevant qualitative factors to determine whether it is &#8220;more-likely-than-not&#8221; that the fair value of a reporting unit is less than its carrying amount. The &#8220;more-likely-than-not&#8221; threshold is defined as having a likelihood of more than 50 percent. If, based on first assessing impairment utilizing a qualitative approach, we determine it is &#8220;more-likely-than not&#8221; that the fair value of the reporting unit is less than its carrying amount, we will also complete a quantitative impairment analysis. In conjunction with a quantitative impairment analysis, we compare the fair value of the reporting unit to the reporting unit&#8217;s carrying value, including goodwill. If the carrying value of the reporting unit exceeds the fair value, goodwill is impaired in an amount equal to the amount by which the carrying value exceeds the fair value of the reporting unit, but not to exceed the goodwill amount attributed to the reporting unit. </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%">Acquired intangible assets include trade names and trademarks, customer relationships, developed technology, and partner relationships. Our acquired intangible assets have finite lives and are amortized over their estimated useful lives in proportion to their estimated economic benefit. We review our long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of such assets may not be recoverable.</span></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="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 generally 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>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="margin-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 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:5pt;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:5pt;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>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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:5pt;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 </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%">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 paid the U.S. Department of Education (the &#8220;DOE&#8221;) an annual 105 basis point Consolidation Loan Rebate Fee on FFELP consolidation loans, which was 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%">For loans not currently in full principal and interest repayment status or interest-only repayment status, we recognize the allowance for the portion of uncollectible interest representing amounts to be capitalized after separation from school and the expiration of the grace period to the provisions for credit losses and classify this allowance as part of our 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 allowance for the portion of uncollectible interest on loans making full interest payments estimates the additional uncollectible interest that is not captured in the allowance for credit losses and 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. However, if it is determined that an individual loan or pool of loans is high risk, they may be placed on nonaccrual status, which entails stopping the accrual of interest on those loans until such time that the borrower(s) have made a sufficient number of payments (typically six months) to return to accrual status. At December 31, 2024, we had an immaterial amount of loans in nonaccrual status. At December 31, 2023, we also had an immaterial amount of 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>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpensePolicyTextBlock', window );">Interest Expense</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%">Interest Expense</span></div>Interest expense is based upon contractual interest rates  and other fees, adjusted for the amortization of issuance costs, premiums, and discounts. We incur interest expense on interest-bearing deposits comprised of non-maturity savings deposits, brokered and retail CDs, brokered and retail MMDAs, as well as unsecured and secured financings. Our Private Education Loan multi-lender secured borrowing facility (the &#8220;Secured Borrowing Facility&#8221;) also incurs an unused facility fee on the amount of unfunded commitments. Interest expense is recognized when amounts are contractually due and is adjusted for net payments/receipts related to qualifying interest rate swap agreements designated as hedges of interest-bearing liabilities. &#160;Interest expense also includes the amortization of deferred gains and losses on closed qualifying hedge transactions.  Amortization of debt issuance costs, premiums, discounts, and terminated hedge-basis adjustments are recognized using the effective interest rate method.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy', window );">Gains on Sale of Loans, Net</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%">Gains on Sale of Loans, Net</span></div>We may participate and sell loans to third parties and affiliates. These sales may occur through whole loan sales or securitization transactions that qualify for sale 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>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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:5pt;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, income for servicing private student loans for third parties, and changes to our tax indemnification receivable from Navient. Other income also included fees related to our Credit Card program. At </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%">September 30, 2022, we transferred our Credit Card portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023.</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="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:5pt;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, the transaction does not meet the criteria for sale treatment and is accounted for as an on-balance sheet secured borrowing. If a securitization qualifies as a sale, we assess whether Sallie Mae is the primary beneficiary of the securitization trust and thus required to consolidate the 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. As there is not a bright-line test for determining significance, the assessment of who has the power to significantly direct the activities of the VIE, and who has the obligation to absorb losses or receive benefits material to the VIE, can be qualitative and judgmental in nature. If we are determined to be the primary beneficiary, then no gain or loss is recognized on the 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-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:5pt;text-indent:24.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2024 and 2023, 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:5pt;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. We may also be responsible for indemnities in other instances for such things as willful misfeasance or bad faith. </span></div>In 2024 and 2023, we also closed several loan sales and securitization transactions that were not consolidated on our balance sheet due to the transaction having met the criteria for sales treatment and Sallie Mae not being the primary beneficiary. In these transactions, we removed loans from our consolidated balance sheet and recognized any assets retained and liabilities assumed at fair value, and recorded 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 10, &#8220;Borrowings &#8212; Unconsolidated Funding Vehicles&#8221; in this Form 10-K.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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:5pt;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 11, &#8220;Derivative Financial Instruments&#8221; in this Form 10-K), 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, 2024, $850 million notional of our derivative contracts were cleared on the CME and $71 million were cleared on the LCH. The derivative contracts cleared </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%">through the CME and LCH represent 92.3 percent and 7.7 percent, respectively, of our total notional derivative contracts of $921 million at December&#160;31, 2024.</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, 2024 was $(22) million and $(1) 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 either fair value hedges or cash flow hedges. </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%">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-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, 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:5pt;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 SOFR. 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:5pt;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 began to use alternatives to LIBOR before LIBOR was no longer published, for cash flow hedges of forecasted LIBOR based payments, we 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 assess 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 would not be replaced for the remainder of the hedging relationship when assessing hedge effectiveness.</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="Show.showAR( this, 'defref_us-gaap_CompensationRelatedCostsPolicyTextBlock', window );">Stock-Based Compensation</a></td>
<td class="text"><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>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 shorter of the vesting period of the stock-based grant or the employee&#8217;s retirement eligible date. 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>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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:5pt;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:5pt;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:5pt;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><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock', window );">Recently Adopted Accounting Pronouncements and Recently Issue Accounting Pronouncements</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%">Recently Adopted Accounting Pronouncements</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 November 2023, the FASB issued ASU No. 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. The ASU improves reportable segment disclosure requirements and requires enhanced disclosures about significant segment expenses. We adopted this amendment as of December 31, 2024, on a retrospective basis. See Note 22, &#8220;Segment Reporting&#8221; in this Form 10-K for additional details on the impact of adoption of the ASU. </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%">Recently Issued Accounting Pronouncements</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 December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The ASU requires entities to disclose specific categories in the effective tax rate reconciliation and provide additional information for reconciling items where the effect of those reconciling items is equal to or greater than 5 percent of the amount computed by multiplying pretax income/loss by the applicable statutory income tax rate. Additionally, entities are required to disclose the year-to-date amount of income taxes paid (net of refunds received) disaggregated by jurisdiction. The standard is effective for fiscal years beginning after December 15, 2024. We do not expect the impact of this ASU to be material to our consolidated financial statements. </span></div>In November 2024, the FASB issued ASU No. 2024-03, Income Statement-Reporting Comprehensive Income-Expense Disaggregation Disclosure (Subtopic 220-40): Disaggregation of Income Statement Expenses. The ASU is intended to provide more detailed information about specified categories of expenses (purchases of inventory, employee compensation, depreciation and amortization) included in certain expense captions presented on the consolidated statements of income. The guidance in this standard is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted. We are currently evaluating the impact of the ASU on our consolidated financial statements.<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allowance For Credit Card Loans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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>
<td>slm_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1: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_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allowance For FFELP Loan Losses, Policy</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock</td>
</tr>
<tr>
<td 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-types1: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_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allowance for private education loan losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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_DepositsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deposits [Policy Text Block]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans Held For Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Restricted Cash and Investments [Policy Text Block]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_BusinessCombinationsPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for completed business combinations (purchase method, acquisition method or combination of entities under common control). This accounting policy may include a general discussion of the purchase method or acquisition method of accounting (including for example, the treatment accorded contingent consideration, the identification of assets and liabilities, the purchase price allocation process, how the fair values of acquired assets and liabilities are determined) and the entity's specific application thereof. An entity that acquires another entity in a leveraged buyout transaction generally discloses the accounting policy followed by the acquiring entity in determining the basis used to value its interest in the acquired entity, and the rationale for that accounting policy.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 805<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 05<br> -Paragraph 4<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479515/805-10-05-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 805<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 05<br> -Paragraph 4<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479515/805-10-05-4<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 805<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 05<br> -Paragraph 4<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479515/805-10-05-4<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 805<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 05<br> -Paragraph 4<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479515/805-10-05-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationsPolicy</td>
</tr>
<tr>
<td style="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_CashAndCashEquivalentsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482913/230-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<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_CompensationRelatedCostsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<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_ConsolidationPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483426/235-10-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy 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. Includes, but is not limited to, methodology used to estimate allowance for credit loss, how writeoff of uncollectible amount is recognized, and determination of past due status and nonaccrual status.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.M.2.Q4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483530/326-20-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 30<br> -Paragraph 5A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479391/326-20-30-5A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3C<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 8A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479366/326-20-35-8A<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3D<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3D<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-5<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 30<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479175/326-30-30-1B<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-3C<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-3A<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3D<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-3D<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 13A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479148/326-30-35-13A<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 30<br> -Paragraph 4A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479391/326-20-30-4A<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 7A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479148/326-30-35-7A<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 21<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-21<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-11<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-7<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-17<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CreditLossFinancialInstrumentPolicyTextBlock</td>
</tr>
<tr>
<td style="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_DerivativesPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 815<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(n))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-1A<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-1<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 825<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481569/310-20-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-6<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-2<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481569/310-20-50-2<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481569/310-20-50-1<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-15<br><br>Reference 9: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-15<br><br>Reference 10: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B<br><br>Reference 11: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-9<br><br>Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_GoodwillAndIntangibleAssetsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for goodwill and intangible assets. This accounting policy also may address how an entity assesses and measures impairment of goodwill and intangible assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/350-30/tableOfContent<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org/350-20/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock</td>
</tr>
<tr>
<td style="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-20<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-19<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482525/740-10-45-25<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(h)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 17<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-17<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-9<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482525/740-10-45-28<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482900/835-30-50-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483013/835-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for investment in financial asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(3)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(f)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(f)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(f)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 12<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-12<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 19<br> -Subparagraph (2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-19<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_NewAccountingPronouncementsPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="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_OffBalanceSheetCreditExposurePolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Description of accounting policies and methodologies used to estimate the entity's liability for off-balance sheet credit exposures and related charges for those credit exposures.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-9<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 21<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-21<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 940<br> -SubTopic 820<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478119/940-820-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<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_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Subparagraph (a)<br> -Paragraph 4<br> -SubTopic 20<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481326/860-20-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481326/860-20-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -SubTopic 10<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481268/860-10-50-4<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 25<br> -Paragraph 2<br> -SubTopic 30<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481557/860-30-25-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<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_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Subparagraph (a)<br> -Paragraph 4<br> -SubTopic 20<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481326/860-20-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -SubTopic 10<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481268/860-10-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="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_UseOfEstimates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482861/275-10-50-9<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482861/275-10-50-4<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 275<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482861/275-10-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -SubTopic 10<br> -Topic 275<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482861/275-10-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -SubTopic 10<br> -Topic 275<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482861/275-10-50-11<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -SubTopic 10<br> -Topic 275<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482861/275-10-50-12<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 275<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482861/275-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UseOfEstimates</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>60
<FILENAME>R38.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506091200">
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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-bottom:6pt;margin-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-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: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, 2024<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" 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%">516,358&#160;</span></td><td style="background-color:#ffffff;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%">205&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(73,235)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">443,328&#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%">2,849&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(490)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,359&#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%">948,009&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(32,265)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">915,744&#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%">575,257&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">8,633&#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%">(12,095)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">571,795&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,042,473&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">&#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><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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,838&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(118,085)</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%">1,933,226&#160;</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, 2023<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%">468,204&#160;</span></td><td style="background-color:#ffffff;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%">703&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(62,480)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">406,427&#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%">3,408&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(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%">3,129&#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%">1,645,609&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(66,870)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,578,739&#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%">446,763&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">603&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(24,039)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">423,327&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,563,984&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,306&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(153,668)</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%">2,411,622&#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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><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>  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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock', window );">Schedule of 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:93.750%"><tr><td style="width:1.0%"></td><td style="width:31.492%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.714%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></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:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.825%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.540%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.168%"></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%">2024:</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 style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,723)</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">137,585&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(70,512)</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">290,257&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(73,235)</span></td><td style="background-color:#ffffff;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%">427,842&#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%">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%">&#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%">(490)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,359&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(490)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,359&#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%">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%">&#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%">(32,265)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">915,744&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(32,265)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">915,744&#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%">(74)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,579&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12,021)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">182,215&#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%">(12,095)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">193,794&#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%">(2,797)</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">149,164&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(115,288)</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,390,575&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(118,085)</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%">1,539,739&#160;</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%">2023:</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%">(531)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51,391&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(61,949)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">300,318&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(62,480)</span></td><td style="background-color:#ededee;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%">351,709&#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%">Utah Housing Corporation bonds</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(279)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#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%">U.S. government-sponsored enterprises and Treasuries</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%">&#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%">(66,870)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,578,739&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(66,870)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,578,739&#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 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%">(2,221)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">90,725&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(21,818)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">241,253&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(24,039)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">331,978&#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%">(2,752)</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">142,116&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(150,916)</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,123,439&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(153,668)</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%">2,265,555&#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><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock', window );">Schedule of 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, 2024, 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:41.944%"><tr><td style="width:1.0%"></td><td style="width:45.257%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.734%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:2.873%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.736%"></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, 2024</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%">2025</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%">299,816&#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%">298,648&#160;</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%">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%">549,175&#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%">520,793&#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%">2027</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%">99,018&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">96,303&#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%">2038</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%">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%">66&#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%">2039</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%">551&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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%">2042</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%">2,112&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,793&#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%">2043</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%">3,761&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,299&#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;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:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,085&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,651&#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%">2045</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%">4,518&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,919&#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%">2046</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%">6,953&#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%">5,965&#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%">2047</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%">6,704&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,781&#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%">2048</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%">1,702&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-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&#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%">2049</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%">14,838&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,842&#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%">2050</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%">101,145&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">78,475&#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"><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:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">144,694&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">111,058&#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%">2052</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%">58,268&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50,497&#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%">297,695&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">294,197&#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%">142,209&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">135,800&#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%">2055</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%">71,611&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70,409&#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%">2056</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%">194,173&#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="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">197,363&#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%">2058</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%">39,379&#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%">40,355&#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%">2,042,473&#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%">1,933,226&#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><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_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479081/326-30-55-8<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-6<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock</td>
</tr>
<tr>
<td style="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_InvestmentsClassifiedByContractualMaturityDateTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock</td>
</tr>
<tr>
<td style="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_InvestmentsDebtAndEquitySecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>61
<FILENAME>R39.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692500767680">
<tr>
<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, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock', window );">Schedule of Loans Held for Investment</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%">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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</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%">17,093,382&#160;</span></td><td style="background-color:#ffffff;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%">13,985,791&#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%">5,141,626&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,040,053&#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%">22,235,008&#160;</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%">21,025,844&#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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">103,070&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">81,554&#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 loan 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%">(1,435,920)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,335,105)</span></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%">20,902,158&#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><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%">19,772,293&#160;</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"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">FFELP Loans</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)</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%">&#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%">537,401&#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%">&#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%">1,330&#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 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: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%">(4,667)</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%">&#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><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%">534,064&#160;</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%">Loans held for investment, 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%">20,902,158&#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%">20,306,357&#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:6pt;padding-left:117pt;padding-right:94.5pt;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">(1)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> FFELP Loans were transferred to loans held for sale during the third quarter of 2024 and subsequently sold to a third party during the fourth quarter of 2024.   </span></div><div style="margin-top:6pt;padding-left:117pt;padding-right:45pt;text-indent:-9pt"><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 estimated weighted average life of education loans in our portfolio was approximately 5.6 years and 5.0 years at December&#160;31, 2024 and 2023, 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 (net of unamortized premium/(discount)) and the respective weighted average interest rates of loans in our portfolio are summarized as follows:</span></div><div style="margin-top:6pt;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: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%">2024</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%">2023</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%">2022</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%">21,121,545&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">10.81&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,039,701&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.86&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">20,576,737&#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%">9.14&#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%">413,338&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.45&#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%">574,218&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.19&#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%">662,194&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.62&#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:#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 #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,534,883&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,613,919&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;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><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 #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="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 #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,238,931&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;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></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="Show.showAR( this, 'defref_slm_LoansheldforinvestmentbyRegionTableTextBlock', window );">Schedule of Loans Held for Investment by Region</a></td>
<td class="text"><div style="margin-top:8pt;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, 2024 and 2023, 43.8 percent and 43.5 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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2023</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%">California</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%">10.2&#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%">10.1&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><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%">New York</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.0&#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%">9.0&#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%">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%">7.1&#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%">7.2&#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%">Texas</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.3&#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%">New Jersey</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%">5.6&#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%">5.6&#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%">Florida</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><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 #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%">43.8&#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%">43.5&#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>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Schedule of Allowance for Credit Losses and Recorded Investments in Loans</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 our Private Education Loan sales to unaffiliated third parties for the periods presented.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><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:47.007%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.535%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.672%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.535%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.672%"></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:14.675%"></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 millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2022</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%">Loan principal</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%">3,418&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,927&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,126&#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></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%">Capitalized 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%">274&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">226&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">217&#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 Loans sold</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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,692&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,153&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,343&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gain on sale of loans, net</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td 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%">255&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">164&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td 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%">328&#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><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="margin-top:9pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables provide a summary of the activity in the allowance for loan losses and the allowance for unfunded loan commitments during the years ended December 31, 2024, 2023, and 2022.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="padding-left:22.5pt;padding-right:22.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.750%"><tr><td style="width:1.0%"></td><td style="width:58.253%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.503%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.136%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.503%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.964%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.503%"></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:11.138%"></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, 2024<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%">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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,667&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,335,105&#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><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%">1,339,772&#160;</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfer from allowance for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">311,787&#160;</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">311,787&#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%">Provisions:</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></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%">Provision for 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:8pt;font-weight:400;line-height:100%">4,010&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">357,067&#160;</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">361,077&#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%">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: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%">(235,955)</span></td><td style="background-color:#ededee;padding: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%">(235,955)</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;border-top:1pt solid #000;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">(1)</span></div></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%">4,010&#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><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%">121,112&#160;</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%">125,122&#160;</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="display:none"></td><td colspan="3" style="display:none"></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%">(380)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(376,840)</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">(377,220)</span></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%">&#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%">44,756&#160;</span></td><td style="background-color:#ededee;padding: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%">44,756&#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;border-top:1pt solid #000;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;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%">(380)</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%">(332,084)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><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%">(332,464)</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 style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Write-downs arising from transfer of loans to held for sale</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:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(8,297)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(8,297)</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;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%">Allowance for loan losses, ending balance</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: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><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%">1,435,920&#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><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%">1,435,920&#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></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></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%">&#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:8pt;font-weight:400;line-height:100%">112,962&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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:8pt;font-weight:400;line-height:100%">112,962&#160;</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:8pt;font-weight:400;line-height:100%">Provision</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)(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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">283,393&#160;</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">283,393&#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%">Transfer to allowance 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: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%">(311,787)</span></td><td style="background-color:#ededee;padding: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%">(311,787)</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;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%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></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%">&#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><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%">84,568&#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><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%">84,568&#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></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:8pt;font-weight:700;line-height:100%">Total allowance for credit losses, ending 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: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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,520,488&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,520,488&#160;</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></tr><tr><td colspan="3" style="background-color:#ffffff;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: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">(5)</span></div></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: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:8pt;font-weight:400;line-height:100%">&#8212;&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">2.19&#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:8pt;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 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></tr><tr><td colspan="3" 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%">Allowance for loan losses 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: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%">4.32&#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="3" style="display:none"></td><td colspan="3" style="display:none"></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%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total 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%">&#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><td colspan="2" style="background-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%">5.83&#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="display:none"></td><td colspan="3" style="display:none"></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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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: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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">22,235,008&#160;</span></td><td style="background-color:#ededee;padding: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="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">(5)</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">15,139,184&#160;</span></td><td style="background-color:#ffffff;padding: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="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">(5)</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">16,106,751&#160;</span></td><td style="background-color:#ededee;padding: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="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%">Unfunded loan commitments</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">2,311,660&#160;</span></td><td style="background-color:#ffffff;padding: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="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%">Total accrued interest receivable</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,549,415&#160;</span></td><td style="background-color:#ededee;padding: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="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></table></div><div style="margin-top:3pt;padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:22.5pt;padding-right:13.5pt;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%">See &#8220;&#8212; Provisions for Credit Losses&#8221; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-left:22.5pt;padding-right:13.5pt;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%">Represents fair value adjustments on loans transferred to held for sale. </span></div><div style="margin-top:3pt;padding-left:22.5pt;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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. See &#8220;&#8212; Unfunded Loan Commitments&#8221; in this Note 6 for further discussion.</span></div><div style="margin-top:3pt;padding-left:22.5pt;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">(4) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left: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">(5) </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="margin-top:3pt;padding-left:36pt;padding-right:36pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.138%"><tr><td style="width:1.0%"></td><td style="width:55.834%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.600%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.498%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.529%"></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:12.481%"></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, 2023<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%">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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,444&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,353,631&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,357,075&#160;</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfer from allowance for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">320,237&#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="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:8pt;font-weight:400;line-height:100%">320,237&#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%">Provisions:</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></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%">Provision for 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:8pt;font-weight:400;line-height:100%">2,224&#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="2" style="background-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%">240,347&#160;</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">242,571&#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%">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: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%">(205,383)</span></td><td style="background-color:#ededee;padding: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%">(205,383)</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;border-top:1pt solid #000;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">(1)</span></div></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%">2,224&#160;</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%">34,964&#160;</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%">37,188&#160;</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="display:none"></td><td colspan="3" style="display:none"></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%">(1,001)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(420,095)</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">(421,096)</span></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%">&#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%">46,368&#160;</span></td><td style="background-color:#ededee;padding: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%">46,368&#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;border-top:1pt solid #000;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;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%">(1,001)</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%">(373,727)</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%">(374,728)</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></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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, ending balance</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:8pt;font-weight:400;line-height:100%">4,667&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,335,105&#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><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:8pt;font-weight:400;line-height:100%">1,339,772&#160;</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;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%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;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="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%">&#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><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%">124,924&#160;</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%">124,924&#160;</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 style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision</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)(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%">&#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%">308,275&#160;</span></td><td style="background-color:#ededee;padding: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%">308,275&#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%">Transfer to allowance for loan 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%">&#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:8pt;font-weight:400;line-height:100%">(320,237)</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">(320,237)</span></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;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%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;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="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%">&#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:8pt;font-weight:400;line-height:100%">112,962&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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:8pt;font-weight:400;line-height:100%">112,962&#160;</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;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%">Total allowance for credit losses, ending balance</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: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%">4,667&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,448,067&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,452,734&#160;</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></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: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">(4)</span></div></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: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:8pt;font-weight:400;line-height:100%">0.23&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">2.44&#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:8pt;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 colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">Allowance for loan losses 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%">4.66&#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:8pt;font-weight:400;line-height:100%">3.57&#160;</span></td><td style="background-color:#ffffff;padding: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="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%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest 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:8pt;font-weight:400;line-height:100%">0.87&#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: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%">5.89&#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="display:none"></td><td colspan="3" style="display:none"></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="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 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">537,401&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">21,025,844&#160;</span></td><td style="background-color:#ffffff;padding: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="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%">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">(4)</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">433,225&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">15,310,934&#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="3" style="display:none"></td><td colspan="3" style="display:none"></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%">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">(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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">406,568&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">15,409,814&#160;</span></td><td style="background-color:#ffffff;padding: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="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%">Unfunded loan commitments</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">2,221,077&#160;</span></td><td style="background-color:#ededee;padding: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="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%">Total accrued interest receivable</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,354,565&#160;</span></td><td style="background-color:#ffffff;padding: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="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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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></table></div><div style="margin-top:3pt;padding-left:31.5pt;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 &#8220;&#8212; Provisions for Credit Losses&#8221; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. See &#8220;&#8212; Unfunded Loan Commitments&#8221; in this Note 6 for further discussion.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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">(4) </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-9pt"><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:45.748%"></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:10.504%"></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:13.226%"></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:11.364%"></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:11.366%"></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, 2022<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="border-top:1pt solid #000;padding:2px 1pt;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</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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,077&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,281&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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></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%">Transfer from allowance for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">344,310&#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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">344,310&#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%">Provisions:</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></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%">Provision for 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:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">410,254&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">3,301&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">413,535&#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%">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: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%">(174,231)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(174,231)</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%">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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(2,372)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(2,372)</span></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;border-top:1pt solid #000;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">(1)</span></div></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%">(20)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">236,023&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">929&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">236,932&#160;</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: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="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 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%">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:8pt;font-weight:400;line-height:100%">(613)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(427,416)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(3,215)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(431,244)</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%">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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">41,737&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">41,742&#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;border-top:1pt solid #000;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;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%">(613)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(385,679)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(3,210)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(389,502)</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></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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, ending balance</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:8pt;font-weight:400;line-height:100%">3,444&#160;</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%">1,353,631&#160;</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%">&#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><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%">1,357,075&#160;</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;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%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;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="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%">&#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:8pt;font-weight:400;line-height:100%">72,713&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">&#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:8pt;font-weight:400;line-height:100%">72,713&#160;</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:8pt;font-weight:400;line-height:100%">Provision</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)(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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">396,521&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">396,521&#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%">Transfer to allowance 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: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%">(344,310)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(344,310)</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;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%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;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="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%">&#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><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%">124,924&#160;</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%">&#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><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%">124,924&#160;</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;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%">Total allowance for credit losses, ending 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,444&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,478,555&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,481,999&#160;</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></tr><tr><td colspan="3" style="background-color:#ffffff;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: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">(4)</span></div></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: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:8pt;font-weight:400;line-height:100%">0.12&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">2.55&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">&#8212;&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">Allowance for loan losses 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:8pt;font-weight:400;line-height:100%">5.62&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">3.51&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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="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%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total 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%">0.57&#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%">6.30&#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%">&#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><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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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: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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">609,050&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">20,303,688&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">517,139&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,103,123&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">&#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="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">(4)</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">453,915&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">15,129,550&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">&#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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,995,808&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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><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%">Total accrued interest receivable</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,177,562&#160;</span></td><td style="background-color:#ededee;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="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></table></div><div style="margin-top:3pt;padding-right:3.6pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:31.5pt;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 &#8220;&#8212; Provisions for Credit Losses&#8221; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. See &#8220;&#8212; Unfunded Loan Commitments&#8221; in this Note 6 for further discussion.</span><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></div><div style="margin-top:3pt;padding-left:31.5pt;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%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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">(4) </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="margin-top:3pt;padding-right:3.6pt;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%">Provisions for Credit 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%">Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:6pt;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:76.527%"><tr><td style="width:1.0%"></td><td style="width:50.624%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.689%"></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:13.419%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.707%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.966%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" 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:8pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</span></td><td colspan="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:5pt"><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="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,</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="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="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2024</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:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</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:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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:8pt;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><td 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:8pt;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: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%">121,112&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,964&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">236,023&#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:8pt;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:8pt;font-weight:400;line-height:100%">283,393&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">308,275&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">396,521&#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%">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:8pt;font-weight:400;line-height:100%">404,505&#160;</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%">343,239&#160;</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%">632,544&#160;</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%">Other impacts to the provisions 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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;font-weight:400;line-height:100%">4,010&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">2,224&#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="2" style="background-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%">(20)</span></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:8pt;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: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%">929&#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:8pt;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:8pt;font-weight:400;line-height:100%">4,010&#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><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%">2,224&#160;</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%">909&#160;</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%">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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">408,515&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">345,463&#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%">633,453&#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>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:502.50pt"><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:1.00pt"></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:1.00pt"></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: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><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><td colspan="3" style="display:none"></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%">2024</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%">2023</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%">2022</span></td><td colspan="3" style="display:none"></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 1pt;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 1pt;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="display:none"></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="display:none"></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%">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%">112,962&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,221,077&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">124,924&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,995,808&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">72,713&#160;</span></td><td style="background-color:#ededee;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%">1,776,976&#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></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%">283,393&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,103,832&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">308,275&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,602,803&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">396,521&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,180,805&#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></tr><tr style="height:15pt"><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%">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:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(311,787)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,013,249)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(320,237)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,377,534)</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:9pt;font-weight:400;line-height:100%">(344,310)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,961,973)</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></tr><tr style="height:15pt"><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 style="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%">84,568&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,311,660&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">112,962&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,221,077&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">124,924&#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%">1,995,808&#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="display:none"></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. Also includes incremental provision for new commitments and changes to provision for existing commitments.</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>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_LoansheldforinvestmentbyRegionTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>[Table Text Block] for Loans held for investment by Region [Table]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoansheldforinvestmentbyRegionTableTextBlock</td>
</tr>
<tr>
<td 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-types1: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_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock</td>
</tr>
<tr>
<td style="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_ReceivablesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>62
<FILENAME>R40.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692612837312">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses and Unfunded Loan Commitments (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Schedule of Allowance for Credit Losses and Recorded Investments in Loans</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 our Private Education Loan sales to unaffiliated third parties for the periods presented.</span></div><div style="margin-top:9pt;text-indent:24.75pt"><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:47.007%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.535%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.672%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.535%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.672%"></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:14.675%"></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 millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2022</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%">Loan principal</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%">3,418&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,927&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,126&#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></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%">Capitalized 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%">274&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">226&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">217&#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 Loans sold</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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,692&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,153&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,343&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:14pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gain on sale of loans, net</span></div></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td 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%">255&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">164&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td 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%">328&#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><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="margin-top:9pt;text-indent:11.25pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables provide a summary of the activity in the allowance for loan losses and the allowance for unfunded loan commitments during the years ended December 31, 2024, 2023, and 2022.</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-indent:11.25pt"><span><br/></span></div><div style="padding-left:22.5pt;padding-right:22.5pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.750%"><tr><td style="width:1.0%"></td><td style="width:58.253%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.503%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.136%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.503%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.964%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.503%"></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:11.138%"></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, 2024<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%">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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,667&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,335,105&#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><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%">1,339,772&#160;</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfer from allowance for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">311,787&#160;</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">311,787&#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%">Provisions:</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></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%">Provision for 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:8pt;font-weight:400;line-height:100%">4,010&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">357,067&#160;</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">361,077&#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%">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: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%">(235,955)</span></td><td style="background-color:#ededee;padding: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%">(235,955)</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;border-top:1pt solid #000;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">(1)</span></div></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%">4,010&#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><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%">121,112&#160;</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%">125,122&#160;</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="display:none"></td><td colspan="3" style="display:none"></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%">(380)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(376,840)</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">(377,220)</span></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%">&#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%">44,756&#160;</span></td><td style="background-color:#ededee;padding: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%">44,756&#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;border-top:1pt solid #000;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;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%">(380)</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%">(332,084)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><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%">(332,464)</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 style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Write-downs arising from transfer of loans to held for sale</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:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(8,297)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(8,297)</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;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%">Allowance for loan losses, ending balance</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: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><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%">1,435,920&#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><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%">1,435,920&#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></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></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%">&#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:8pt;font-weight:400;line-height:100%">112,962&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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:8pt;font-weight:400;line-height:100%">112,962&#160;</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:8pt;font-weight:400;line-height:100%">Provision</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)(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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">283,393&#160;</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">283,393&#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%">Transfer to allowance 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: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%">(311,787)</span></td><td style="background-color:#ededee;padding: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%">(311,787)</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;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%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></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%">&#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><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%">84,568&#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><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%">84,568&#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></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:8pt;font-weight:700;line-height:100%">Total allowance for credit losses, ending 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: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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,520,488&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,520,488&#160;</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></tr><tr><td colspan="3" style="background-color:#ffffff;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: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">(5)</span></div></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: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:8pt;font-weight:400;line-height:100%">&#8212;&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">2.19&#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:8pt;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 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></tr><tr><td colspan="3" 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%">Allowance for loan losses 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: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%">4.32&#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="3" style="display:none"></td><td colspan="3" style="display:none"></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%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total 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%">&#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><td colspan="2" style="background-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%">5.83&#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="display:none"></td><td colspan="3" style="display:none"></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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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: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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">22,235,008&#160;</span></td><td style="background-color:#ededee;padding: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="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">(5)</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">15,139,184&#160;</span></td><td style="background-color:#ffffff;padding: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="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">(5)</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">16,106,751&#160;</span></td><td style="background-color:#ededee;padding: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="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%">Unfunded loan commitments</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">2,311,660&#160;</span></td><td style="background-color:#ffffff;padding: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="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%">Total accrued interest receivable</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,549,415&#160;</span></td><td style="background-color:#ededee;padding: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="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></table></div><div style="margin-top:3pt;padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:22.5pt;padding-right:13.5pt;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%">See &#8220;&#8212; Provisions for Credit Losses&#8221; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-left:22.5pt;padding-right:13.5pt;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%">Represents fair value adjustments on loans transferred to held for sale. </span></div><div style="margin-top:3pt;padding-left:22.5pt;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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. See &#8220;&#8212; Unfunded Loan Commitments&#8221; in this Note 6 for further discussion.</span></div><div style="margin-top:3pt;padding-left:22.5pt;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">(4) </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left: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">(5) </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="margin-top:3pt;padding-left:36pt;padding-right:36pt;text-align:center;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.138%"><tr><td style="width:1.0%"></td><td style="width:55.834%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.600%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.529%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.498%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.529%"></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:12.481%"></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, 2023<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%">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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,444&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,353,631&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,357,075&#160;</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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfer from allowance for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">320,237&#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="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:8pt;font-weight:400;line-height:100%">320,237&#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%">Provisions:</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></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%">Provision for 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:8pt;font-weight:400;line-height:100%">2,224&#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="2" style="background-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%">240,347&#160;</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">242,571&#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%">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: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%">(205,383)</span></td><td style="background-color:#ededee;padding: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%">(205,383)</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;border-top:1pt solid #000;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">(1)</span></div></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%">2,224&#160;</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%">34,964&#160;</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%">37,188&#160;</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="display:none"></td><td colspan="3" style="display:none"></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%">(1,001)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(420,095)</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">(421,096)</span></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%">&#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%">46,368&#160;</span></td><td style="background-color:#ededee;padding: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%">46,368&#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;border-top:1pt solid #000;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;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%">(1,001)</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%">(373,727)</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%">(374,728)</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></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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, ending balance</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:8pt;font-weight:400;line-height:100%">4,667&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,335,105&#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><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:8pt;font-weight:400;line-height:100%">1,339,772&#160;</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;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%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;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="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%">&#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><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%">124,924&#160;</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%">124,924&#160;</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 style="padding-left:6.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision</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)(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%">&#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%">308,275&#160;</span></td><td style="background-color:#ededee;padding: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%">308,275&#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%">Transfer to allowance for loan 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%">&#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:8pt;font-weight:400;line-height:100%">(320,237)</span></td><td style="background-color:#ffffff;padding: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:8pt;font-weight:400;line-height:100%">(320,237)</span></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;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%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;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="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%">&#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:8pt;font-weight:400;line-height:100%">112,962&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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:8pt;font-weight:400;line-height:100%">112,962&#160;</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;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%">Total allowance for credit losses, ending balance</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: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%">4,667&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,448,067&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,452,734&#160;</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></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: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">(4)</span></div></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: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:8pt;font-weight:400;line-height:100%">0.23&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">2.44&#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:8pt;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 colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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%">Allowance for loan losses 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%">4.66&#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:8pt;font-weight:400;line-height:100%">3.57&#160;</span></td><td style="background-color:#ffffff;padding: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="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%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest 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:8pt;font-weight:400;line-height:100%">0.87&#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: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%">5.89&#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="display:none"></td><td colspan="3" style="display:none"></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="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 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">537,401&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">21,025,844&#160;</span></td><td style="background-color:#ffffff;padding: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="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%">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">(4)</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">433,225&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">15,310,934&#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="3" style="display:none"></td><td colspan="3" style="display:none"></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%">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">(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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">406,568&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">15,409,814&#160;</span></td><td style="background-color:#ffffff;padding: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="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%">Unfunded loan commitments</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">2,221,077&#160;</span></td><td style="background-color:#ededee;padding: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="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%">Total accrued interest receivable</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,354,565&#160;</span></td><td style="background-color:#ffffff;padding: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="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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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></table></div><div style="margin-top:3pt;padding-left:31.5pt;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 &#8220;&#8212; Provisions for Credit Losses&#8221; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. See &#8220;&#8212; Unfunded Loan Commitments&#8221; in this Note 6 for further discussion.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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">(4) </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-9pt"><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:45.748%"></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:10.504%"></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:13.226%"></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:11.364%"></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:11.366%"></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, 2022<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="border-top:1pt solid #000;padding:2px 1pt;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</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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,077&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,281&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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></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%">Transfer from allowance for unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">344,310&#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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">344,310&#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%">Provisions:</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></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%">Provision for 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:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">410,254&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">3,301&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">413,535&#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%">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: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%">(174,231)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(174,231)</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%">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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(2,372)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(2,372)</span></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;border-top:1pt solid #000;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">(1)</span></div></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%">(20)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">236,023&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">929&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">236,932&#160;</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: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="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 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%">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:8pt;font-weight:400;line-height:100%">(613)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(427,416)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(3,215)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(431,244)</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%">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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">41,737&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">41,742&#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;border-top:1pt solid #000;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;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%">(613)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(385,679)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(3,210)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(389,502)</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></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:8pt;font-weight:700;line-height:100%">Allowance for loan losses, ending balance</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:8pt;font-weight:400;line-height:100%">3,444&#160;</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%">1,353,631&#160;</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%">&#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><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%">1,357,075&#160;</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;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%">Allowance for unfunded loan commitments, beginning balance</span><span style="color:#144f82;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="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%">&#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:8pt;font-weight:400;line-height:100%">72,713&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">&#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:8pt;font-weight:400;line-height:100%">72,713&#160;</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:8pt;font-weight:400;line-height:100%">Provision</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)(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: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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">396,521&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">396,521&#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%">Transfer to allowance 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: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%">(344,310)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">(344,310)</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;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%">Allowance for unfunded loan commitments, ending balance</span><span style="color:#144f82;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="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%">&#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><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%">124,924&#160;</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%">&#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><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%">124,924&#160;</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;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%">Total allowance for credit losses, ending 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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,444&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,478,555&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,481,999&#160;</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></tr><tr><td colspan="3" style="background-color:#ffffff;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: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">(4)</span></div></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: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:8pt;font-weight:400;line-height:100%">0.12&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">2.55&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">&#8212;&#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:8pt;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 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:8pt;font-weight:400;line-height:100%">Allowance for loan losses 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:8pt;font-weight:400;line-height:100%">5.62&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">3.51&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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="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%">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total 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%">0.57&#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%">6.30&#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%">&#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><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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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: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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">609,050&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">20,303,688&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average loans in repayment</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">517,139&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,103,123&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">&#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="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">(4)</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">453,915&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">15,129,550&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unfunded loan commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">&#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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,995,808&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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><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%">Total accrued interest receivable</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">1,177,562&#160;</span></td><td style="background-color:#ededee;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="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></table></div><div style="margin-top:3pt;padding-right:3.6pt;text-indent:-9pt"><span><br/></span></div><div style="margin-top:3pt;padding-left:31.5pt;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 &#8220;&#8212; Provisions for Credit Losses&#8221; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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%">When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#8220;Other Liabilities&#8221; on the consolidated balance sheet. See &#8220;&#8212; Unfunded Loan Commitments&#8221; in this Note 6 for further discussion.</span><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></div><div style="margin-top:3pt;padding-left:31.5pt;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%">Includes incremental provision for new commitments and changes to provision for existing commitments.</span></div><div style="margin-top:3pt;padding-left:31.5pt;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">(4) </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 (but, for purposes of the table, do not include those loans while they are in forbearance). </span></div><div style="margin-top:3pt;padding-right:3.6pt;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%">Provisions for Credit 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%">Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income.</span></div><div style="margin-top:6pt;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:76.527%"><tr><td style="width:1.0%"></td><td style="width:50.624%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.689%"></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:13.419%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.707%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.966%"></td><td style="width:0.1%"></td></tr><tr><td colspan="15" 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:8pt;font-weight:700;line-height:100%">Consolidated Statements of Income<br/>Provisions for Credit Losses Reconciliation</span></td><td colspan="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:5pt"><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="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,</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="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="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2024</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:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</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:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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:8pt;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><td 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:8pt;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: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%">121,112&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,964&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">236,023&#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:8pt;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:8pt;font-weight:400;line-height:100%">283,393&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">308,275&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-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%">396,521&#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%">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:8pt;font-weight:400;line-height:100%">404,505&#160;</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%">343,239&#160;</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%">632,544&#160;</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%">Other impacts to the provisions 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:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:8pt;font-weight:400;line-height:100%">4,010&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">2,224&#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="2" style="background-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%">(20)</span></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:8pt;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: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%">929&#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:8pt;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:8pt;font-weight:400;line-height:100%">4,010&#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><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%">2,224&#160;</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%">909&#160;</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%">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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">408,515&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">345,463&#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%">633,453&#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>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:502.50pt"><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:1.00pt"></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:1.00pt"></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: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><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><td colspan="3" style="display:none"></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%">2024</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%">2023</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%">2022</span></td><td colspan="3" style="display:none"></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 1pt;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 1pt;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="display:none"></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="display:none"></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%">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%">112,962&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,221,077&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">124,924&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,995,808&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">72,713&#160;</span></td><td style="background-color:#ededee;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%">1,776,976&#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></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%">283,393&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,103,832&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">308,275&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,602,803&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">396,521&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,180,805&#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></tr><tr style="height:15pt"><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%">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:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(311,787)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,013,249)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(320,237)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,377,534)</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:9pt;font-weight:400;line-height:100%">(344,310)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,961,973)</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></tr><tr style="height:15pt"><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 style="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%">84,568&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,311,660&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">112,962&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,221,077&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">124,924&#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%">1,995,808&#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="display:none"></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. Also includes incremental provision for new commitments and changes to provision for existing commitments.</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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivablesAmortizedCostBasisTableTextBlock', window );">Schedule of Amortized Cost Basis of Financing Receivables</a></td>
<td class="text"><div style="margin-bottom:12pt;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 show the amortized cost basis at the end of the respective reporting periods of the loans to borrowers experiencing financial difficulty that were modified during the period, disaggregated by class of financing receivable and type of modification. When we approve a Private Education Loan at the beginning of an academic year, we do not always disburse the full amount of the loan at the time of 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 consider borrowers to be in financial difficulty after they have exited school and have difficulty making their scheduled principal and interest payments. The increase in loan modifications during the year ended December 31, 2024 compared to the year-ago period is primarily due to additional modification programs implemented in the fourth quarter of 2023 and subsequent refinements to those programs.</span></div><div style="margin-bottom:12pt;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%">       </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:32.177%"></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:14.207%"></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:14.207%"></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:14.207%"></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:14.212%"></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="21" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Modifications Made to Borrowers Experiencing Financial Difficulty</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:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2024<br/>(dollars in thousands)</span></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Rate Reduction</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Combination - Interest Rate Reduction and Term Extension</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Type:</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">Amortized Cost Basis</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">% of Total Class of Financing 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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost Basis</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">% of Total Class of Financing Receivable</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%">31,966&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">0.13&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,003,089&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.20&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">31,966&#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:9pt;font-weight:400;line-height:100%">0.13&#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 style="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%">1,003,089&#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:9pt;font-weight:400;line-height:100%">4.20&#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="margin-bottom:12pt;margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-bottom:12pt;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:83.472%"><tr><td style="width:1.0%"></td><td style="width:32.177%"></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:14.207%"></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:14.207%"></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:14.207%"></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:14.212%"></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="21" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Modifications Made to Borrowers Experiencing Financial Difficulty</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:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2023<br/>(dollars in thousands)</span></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest Rate Reduction</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Combination - Interest Rate Reduction and Term Extension</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Type:</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">Amortized Cost Basis</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">% of Total Class of Financing 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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost Basis</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">% of Total Class of Financing Receivable</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%">48,637&#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 colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.22&#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><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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">331,889&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.48&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">48,637&#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:9pt;font-weight:400;line-height:100%">0.22&#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 style="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%">331,889&#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:9pt;font-weight:400;line-height:100%">1.48&#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><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></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></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%">The following tables describe the financial effect of the modifications made to loans whose borrowers are experiencing financial difficulty: </span></div><div style="margin-top:6pt;text-indent:24.75pt"><span><br/></span></div><div style="margin-top:6pt;text-indent:24.75pt"><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:25.000%"></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:23.634%"></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:22.572%"></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:22.120%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" 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%">Year Ended December 31, 2024</span></td></tr><tr><td colspan="9" style="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%">Interest Rate Reduction</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="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%">Combination - Interest Rate <br/>Reduction and Term Extension</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%">Loan Type</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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Financial Effect</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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Loan Type</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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Financial Effect</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%">Private Education Loans</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:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reduced average contractual rate from 13.22% to 3.79%</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: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 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:9pt;font-weight:400;line-height:100%">Added a weighted average 9.23 years to the life of loans</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:100%">Reduced average contractual rate from 12.71% to 3.66%</span></div></td></tr></table></div><div style="margin-top:6pt;text-indent:24.75pt"><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:25.000%"></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:23.634%"></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:22.572%"></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:22.120%"></td><td style="width:0.1%"></td></tr><tr><td colspan="21" 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%">Year Ended December 31, 2023</span></td></tr><tr><td colspan="9" style="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%">Interest Rate Reduction</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="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%">Combination - Interest Rate <br/>Reduction and Term Extension</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%">Loan Type</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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Financial Effect</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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Loan Type</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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Financial Effect</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%">Private Education Loans</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:top"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reduced average contractual rate from 13.37% to 4.00%</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: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 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:9pt;font-weight:400;line-height:100%">Added a weighted average 10.20 years to the life of loans</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:100%">Reduced average contractual rate from 12.92% to 4.00%</span></div></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></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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock', window );">Financing Receivable, Modified, Subsequent Default</a></td>
<td class="text">The following two tables do not include loans that received a permanent term extension with no interest rate reduction during the fourth quarter of 2023, which are described earlier in this Note 6.<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:82.638%"><tr><td style="width:1.0%"></td><td style="width:29.824%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.866%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.866%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.866%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.976%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.870%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="display:none"></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2024</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2023 </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:7pt;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%">Defaulted 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:8pt;font-weight:700;line-height:100%">Period-end Amortized Cost Basis</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%">Defaulted 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:8pt;font-weight:700;line-height:100%">Period-end Amortized Cost Basis</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%">Loan Type:</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%">Private Education 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></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%">Interest Rate Reduction</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%">6,460&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,621&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">4,521&#160;</span></td><td style="background-color:#ededee;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%">4,174&#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%">Combination - Interest Rate Reduction and Term Extension</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">143,300&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">114,307&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,341&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,798&#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%">149,760&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">118,928&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">30,862&#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%">28,972&#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></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></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></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="Show.showAR( this, 'defref_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Age Analysis of Past Due Loans Delinquencies</a></td>
<td class="text">The following table depicts the performance of loans that have been modified during the respective reporting periods (the twelve months ended December 31, 2024 and 2023, respectively).<div style="margin-top:6pt;text-indent:24.75pt"><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:41.514%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.686%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.349%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.275%"></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:14.349%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.279%"></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="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:8pt;font-weight:700;line-height:100%">Twelve Months Ended<br/>December 31, 2024</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:8pt;font-weight:700;line-height:100%">Twelve Months Ended<br/>December 31, 2023</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:7pt;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%">Balance</span></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:8pt;font-weight:400;line-height:100%">%</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%">Balance</span></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:8pt;font-weight:400;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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Payment Status (Amortized Cost Basis)</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)</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">:</span></div></td><td 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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loan modifications in 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">(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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33,645&#160;</span></td><td style="background-color:#ffffff;padding: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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,843&#160;</span></td><td style="background-color:#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%">Loan modifications 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></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Loans current</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)(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%">826,007&#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%">83&#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%">334,967&#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%">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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><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">(3)(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%">77,446&#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%">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="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,205&#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%">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"><div style="padding-left:6pt"><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">(3)(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%">43,484&#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%">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: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%">7,689&#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%">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:6pt"><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">(3)(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%">54,473&#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%">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%">13,822&#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%">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%">Total loan modifications 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%">1,001,410&#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="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;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;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%">373,683&#160;</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="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;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;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 Loan modifications</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%">1,035,055&#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:3pt double #000;padding:0 1pt"></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%">380,526&#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:3pt double #000;padding:0 1pt"></td></tr></table></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: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">Loans that were both modified and subsequently charged-off during the twelve months ended December 31, 2024 and 2023 are excluded from the table and had an amortized cost basis of $40.4&#160;million and $8.4&#160;million, respectively. Additionally, loans that received a permanent term extension with no interest rate reduction during the fourth quarter of 2023 are excluded from the table.</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: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">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make full principal and interest payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation). Deferment also includes loans that have entered a forbearance after the loan modification was granted.</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:7pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt">Represents loans in repayment, which include 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:7pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%;padding-left:9.45pt">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 approval/first disbursement. 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). </span></div><div style="text-indent:22.5pt"><span><br/></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:95.555%"><tr><td style="width:1.0%"></td><td style="width:25.062%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.202%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.202%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.202%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.056%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.056%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.638%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.962%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.229%"></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 Approval 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, 2024<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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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 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%">2,164,479&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,817,705&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">748,782&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">355,248&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">184,377&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">452,236&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,722,827&#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%">19,984&#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:7pt;font-weight:400;line-height:100%">124,728&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">87,961&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">52,686&#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:7pt;font-weight:400;line-height:100%">31,575&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">88,496&#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:7pt;font-weight:400;line-height:100%">405,430&#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%">2,820,940&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,312,916&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,259,455&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,590,812&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,107,189&#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:7pt;font-weight:400;line-height:100%">4,422,021&#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:7pt;font-weight:400;line-height:100%">15,513,333&#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%">13,533&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">36,441&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">45,543&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">35,245&#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:7pt;font-weight:400;line-height:100%">27,302&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">152,684&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">310,748&#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%">3,973&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,239&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">23,359&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,365&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">10,921&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">68,878&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">140,735&#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%">1,683&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,481&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,147&#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:7pt;font-weight:400;line-height:100%">17,080&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">12,632&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">75,912&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">141,935&#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%">2,840,129&#160;</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%">3,379,077&#160;</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%">2,348,504&#160;</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%">1,661,502&#160;</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%">1,158,044&#160;</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%">4,719,495&#160;</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%">16,106,751&#160;</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%">5,024,592&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,321,510&#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><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%">3,185,247&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">2,069,436&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,373,996&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,260,227&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">22,235,008&#160;</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%">47,659&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">25,599&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">10,788&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,142&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,057&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,825&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">103,070&#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%">5,072,251&#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%">5,347,109&#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%">3,196,035&#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%">2,075,578&#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%">1,378,053&#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%">5,269,052&#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%">22,338,078&#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%">(258,235)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(326,207)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(234,532)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(150,324)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(90,600)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(376,022)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,435,920)</span></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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,814,016&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,020,902&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,961,503&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,925,254&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,287,453&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,893,030&#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: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%">20,902,158&#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></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="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">56.5&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">63.5&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">73.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">80.3&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">84.3&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">89.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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%">0.7&#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: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%">2.0&#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: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%">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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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:#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%">4.4&#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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6.3&#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%">3.7&#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: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%">0.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.6&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.6&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.1&#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: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%">2.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.8&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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="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><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 Approval 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, 2023 <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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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 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%">1,976,040&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,672,333&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">669,250&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">307,781&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">213,593&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">452,994&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,291,991&#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">(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%">19,265&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">93,079&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">58,438&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">35,450&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">31,818&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">85,989&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">324,039&#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%">2,469,817&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,254,534&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,131,040&#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:7pt;font-weight:400;line-height:100%">1,416,069&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,323,825&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,213,986&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,809,271&#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%">17,599&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">34,627&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">37,147&#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:7pt;font-weight:400;line-height:100%">28,020&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">31,432&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">149,926&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">298,751&#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%">5,720&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">17,227&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">20,077&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,614&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,482&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">75,897&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">151,017&#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%">1,678&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,939&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">21,470&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,155&#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:7pt;font-weight:400;line-height:100%">16,150&#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:7pt;font-weight:400;line-height:100%">79,383&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">150,775&#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%">2,494,814&#160;</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%">3,323,327&#160;</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%">2,209,734&#160;</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%">1,475,858&#160;</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%">1,386,889&#160;</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%">4,519,192&#160;</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%">15,409,814&#160;</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%">4,490,119&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,088,739&#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><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%">2,937,422&#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 colspan="2" style="background-color:#ededee;border-top:1pt 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%">1,819,089&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,632,300&#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 colspan="2" style="background-color:#ededee;border-top:1pt 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%">5,058,175&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">21,025,844&#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></tr><tr><td colspan="3" 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%">35,616&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,556&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">9,465&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,809&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,556&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,552&#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:7pt;font-weight:400;line-height:100%">81,554&#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: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%">4,525,735&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,107,295&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">2,946,887&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,824,898&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,635,856&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,066,727&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">21,107,398&#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></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%">(269,642)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(335,090)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(194,104)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(118,755)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(100,111)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(317,403)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,335,105)</span></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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,256,093&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,772,205&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,752,783&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,706,143&#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><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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,535,745&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,749,324&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">19,772,293&#160;</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%">55.6&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">65.3&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">75.2&#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: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%">81.1&#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: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%">85.0&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">89.3&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">73.3&#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><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%">1.0&#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: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%">2.1&#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: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%">3.6&#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%">4.1&#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: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%">4.5&#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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6.8&#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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3.9&#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: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%">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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2.6&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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%">2.2&#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: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%">1.9&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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">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:95.416%"><tr><td style="width:1.0%"></td><td style="width:25.100%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.818%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.215%"></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:8.215%"></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:8.215%"></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:8.215%"></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:8.215%"></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:8.215%"></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:8.808%"></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 Approval 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, 2022 <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%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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 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%">1,827,649&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,433,322&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">578,253&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">380,639&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">219,280&#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 style="background-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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">455,910&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,895,053&#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%">16,046&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">64,360&#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:7pt;font-weight:400;line-height:100%">38,613&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">37,802&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">30,583&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">91,681&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">279,085&#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%">2,411,441&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,991,839&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,907,574&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,683,986&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,301,809&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,262,698&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,559,347&#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%">14,164&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">30,740&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">30,877&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">35,213&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">31,366&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">144,948&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">287,308&#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%">5,523&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,056&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,433&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">18,201&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,697&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">77,595&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">147,505&#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%">1,710&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">11,842&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">14,872&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,819&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">16,107&#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:7pt;font-weight:400;line-height:100%">74,040&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">135,390&#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%">2,432,838&#160;</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%">3,049,477&#160;</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%">1,967,756&#160;</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%">1,754,219&#160;</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%">1,365,979&#160;</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%">4,559,281&#160;</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%">15,129,550&#160;</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%">4,276,533&#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><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%">4,547,159&#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 colspan="2" style="background-color:#ededee;border-top:1pt 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%">2,584,622&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">2,172,660&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,615,842&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,106,872&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">20,303,688&#160;</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%">26,714&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">15,933&#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:7pt;font-weight:400;line-height:100%">9,062&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,496&#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:7pt;font-weight:400;line-height:100%">3,575&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">8,876&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">69,656&#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%">4,303,247&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">4,563,092&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">2,593,684&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">2,178,156&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,619,417&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,115,748&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">20,373,344&#160;</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%">(304,943)</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:7pt;font-weight:400;line-height:100%">(323,506)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(181,915)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(141,424)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(101,023)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(300,820)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,353,631)</span></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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,998,304&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,239,586&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,411,769&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,036,732&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,518,394&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,814,928&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">19,019,713&#160;</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%">56.9&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">67.1&#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: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%">76.1&#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: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%">80.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">84.5&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">89.3&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">74.5&#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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#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%">1.9&#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: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%">3.1&#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: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%">4.0&#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: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%">4.7&#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: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%">6.5&#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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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></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%">0.7&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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%">1.9&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#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%">2.2&#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: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%">2.0&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1.8&#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></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>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Schedule of 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 approval/first disbursement, stratified by key credit quality indicators. <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: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, 2024 <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 Approval</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%">2024</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%">2023</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%">2022</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%">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:top"><div style="text-align:center"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2019 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%">4,519,952&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,707,685&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,741,871&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,759,261&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,151,751&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">4,642,019&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">19,522,539&#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%">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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">504,640&#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%">613,825&#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%">443,376&#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%">310,175&#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%">222,245&#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%">618,208&#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%">2,712,469&#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%">12&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,024,592&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,321,510&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,185,247&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,069,436&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,373,996&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,260,227&#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%">22,235,008&#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%">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><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 Approval</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%">293,025&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">394,962&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">261,589&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">155,661&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">94,355&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">475,186&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,674,778&#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%">8&#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%">615,617&#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%">753,548&#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%">449,214&#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%">285,181&#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%">197,205&#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%">898,535&#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%">3,199,300&#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%">14&#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%">1,525,547&#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%">1,641,641&#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%">998,834&#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%">660,373&#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%">451,695&#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%">1,782,121&#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%">7,060,211&#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%">32&#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%">2,590,403&#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%">2,531,359&#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%">1,475,610&#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%">968,221&#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%">630,741&#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%">2,104,385&#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%">10,300,719&#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%">46&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,024,592&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,321,510&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,185,247&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,069,436&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,373,996&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,260,227&#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%">22,235,008&#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%">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><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%">453,705&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">666,049&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">467,562&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">301,367&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">194,124&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">831,053&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,913,860&#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%">13&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">633,749&#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%">710,546&#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%">409,808&#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%">248,325&#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%">138,730&#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%">578,639&#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%">2,719,797&#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%">12&#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 style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,485,771&#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%">1,512,643&#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%">879,450&#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%">563,941&#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%">362,715&#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%">1,398,737&#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%">6,203,257&#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%">28&#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%">2,451,367&#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%">2,432,272&#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%">1,428,427&#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%">955,803&#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%">678,427&#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%">2,451,798&#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%">10,398,094&#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%">47&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,024,592&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,321,510&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,185,247&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,069,436&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,373,996&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,260,227&#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%">22,235,008&#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%">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><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%">2,860,113&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">774,471&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">499,812&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">280,154&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">159,762&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">324,506&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,898,818&#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%">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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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><td colspan="3" style="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%">2,729,334&#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%">372,496&#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%">191,989&#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%">122,938&#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%">340,556&#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%">3,757,313&#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%">17&#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%">25-36 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%">&#8212;&#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%">&#8212;&#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%">1,564,157&#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%">254,068&#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%">110,952&#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%">429,127&#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%">2,358,304&#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%">11&#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%">37-48 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%">&#8212;&#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%">&#8212;&#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%">&#8212;&#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%">987,977&#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%">170,051&#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%">451,494&#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%">1,609,522&#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%">7&#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%">&#8212;&#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%">&#8212;&#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%">&#8212;&#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%">&#8212;&#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%">625,916&#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%">3,262,308&#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%">3,888,224&#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%">17&#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%">2,164,479&#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%">1,817,705&#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%">748,782&#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%">355,248&#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%">184,377&#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%">452,236&#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%">5,722,827&#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%">26&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,024,592&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,321,510&#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><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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,185,247&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,069,436&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,373,996&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">5,260,227&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">22,235,008&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">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><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%">2024 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%">(1,826)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(29,094)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(68,454)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(53,697)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(37,318)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(186,451)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(376,840)</span></td><td style="background-color:#ededee;padding: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%">2024 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%">117&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,191&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,487&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,771&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,840&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">26,350&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">44,756&#160;</span></td><td style="background-color:#ffffff;padding: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%">2024 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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,709)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(26,903)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(61,967)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(47,926)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(33,478)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(160,101)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(332,084)</span></td><td style="background-color:#ededee;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 approval 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%">195,291&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">484,531&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">325,962&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">197,504&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">106,565&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">239,562&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,549,415&#160;</span></td><td style="background-color:#ededee;padding: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 2024.</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, 2024 through December 31, 2024.</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></div><div style="text-align:center"><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, 2023 <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 Approval</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%">2023</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%">2022</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%">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 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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">3,903,676&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,428,163&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,516,380&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,535,308&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,378,699&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">4,529,768&#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%">18,291,994&#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%">87&#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%">586,443&#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%">660,576&#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%">421,042&#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%">283,781&#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%">253,601&#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%">528,407&#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%">2,733,850&#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%">13&#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%">4,490,119&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,088,739&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,937,422&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,819,089&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,632,300&#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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,058,175&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">21,025,844&#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%">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><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 Approval</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">328,199&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">395,526&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">208,696&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">118,935&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">137,494&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">451,613&#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%">1,640,463&#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%">8&#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%">635,642&#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%">704,642&#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%">400,744&#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%">254,762&#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%">257,840&#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%">868,777&#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%">3,122,407&#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%">15&#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%">1,383,779&#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%">1,586,783&#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%">934,033&#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%">590,401&#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%">545,333&#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%">1,709,299&#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%">6,749,628&#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%">32&#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%">2,142,499&#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%">2,401,788&#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%">1,393,949&#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%">854,991&#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%">691,633&#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%">2,028,486&#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%">9,513,346&#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%">45&#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%">4,490,119&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,088,739&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,937,422&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,819,089&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,632,300&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,058,175&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">21,025,844&#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%">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><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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">495,451&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">638,381&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">379,738&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">217,956&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">214,665&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">791,875&#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%">2,738,066&#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%">13&#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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">616,684&#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%">672,777&#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%">365,674&#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%">193,462&#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%">176,963&#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%">564,245&#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%">2,589,805&#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%">12&#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 style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,347,094&#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%">1,477,310&#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%">836,747&#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%">498,414&#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%">445,244&#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%">1,361,073&#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%">5,965,882&#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%">28&#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%">2,030,890&#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%">2,300,271&#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%">1,355,263&#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%">909,257&#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%">795,428&#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%">2,340,982&#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%">9,732,091&#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%">47&#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%">4,490,119&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,088,739&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,937,422&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,819,089&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,632,300&#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:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,058,175&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">21,025,844&#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><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%">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><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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,514,079&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">740,450&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">440,293&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">245,631&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">208,941&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">332,608&#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%">4,482,002&#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%">21&#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%">&#8212;&#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%">2,675,956&#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%">303,045&#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%">167,532&#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%">165,577&#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%">384,760&#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%">3,696,870&#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%">18&#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%">25-36 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%">&#8212;&#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%">&#8212;&#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%">1,524,834&#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%">195,091&#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%">129,571&#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%">456,448&#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%">2,305,944&#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%">11&#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%">37-48 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%">&#8212;&#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%">&#8212;&#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%">&#8212;&#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%">902,938&#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%">208,521&#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%">446,350&#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%">1,557,809&#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%">7&#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%">&#8212;&#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%">&#8212;&#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%">&#8212;&#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%">116&#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%">706,097&#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%">2,985,015&#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%">3,691,228&#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%">18&#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%">1,976,040&#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%">1,672,333&#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%">669,250&#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%">307,781&#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%">213,593&#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%">452,994&#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%">5,291,991&#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%">25&#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%">4,490,119&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,088,739&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">2,937,422&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">1,819,089&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">1,632,300&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,058,175&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">21,025,844&#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%">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><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%">2023 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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1,812)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(31,032)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(70,331)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(49,624)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(50,585)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(216,711)</span></td><td style="background-color:#ededee;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%">(420,095)</span></td><td style="background-color:#ededee;padding: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%">2023 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%">172&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">2,342&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">6,496&#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:7pt;font-weight:400;line-height:100%">4,923&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">5,260&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">27,175&#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:7pt;font-weight:400;line-height:100%">46,368&#160;</span></td><td style="background-color:#ffffff;padding: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%">2023 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%">(1,640)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(28,690)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(63,835)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(44,701)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(45,325)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(189,536)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">(373,727)</span></td><td style="background-color:#ededee;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 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:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total accrued interest by origination approval 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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">177,959&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">408,800&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">269,978&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">152,094&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">116,618&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</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%">229,116&#160;</span></td><td style="background-color:#ededee;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%">1,354,565&#160;</span></td><td style="background-color:#ededee;padding: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:middle"><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 2023.</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, 2023 through December 31, 2023.</span></div></td></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="Show.showAR( this, 'defref_slm_AccruedInterestReceivableTableTextBlock', window );">Schedule of 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 or 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 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 credit losses considers the collectibility of both principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. See Note 2, &#8220;Significant Accounting Policies &#8212; Allowance for Credit Losses &#8212; Uncollectible Interest&#8221; in this Form 10-K for additional information. </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 or 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: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</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%">Uncollectible</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</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: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, 2024</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%">1,549,415&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,420&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">12,366&#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, 2023</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,354,565&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">8,373&#160;</span></td><td style="background-color:#ffffff;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%">9,897&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>(1)  At December 31, 2024 and 2023, $164&#160;million and $151&#160;million, respectively, of accrued interest receivable was not expected to be capitalized and $1.4&#160;billion and $1.2&#160;billion of accrued interest receivable was expected to be capitalized.<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AccruedInterestReceivableTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accrued interest receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AccruedInterestReceivableTableTextBlock</td>
</tr>
<tr>
<td 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-types1: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_FinancingReceivablesAmortizedCostBasisTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivables, Amortized Cost Basis</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivablesAmortizedCostBasisTableTextBlock</td>
</tr>
<tr>
<td 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-types1: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_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock</td>
</tr>
<tr>
<td style="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_FinancingReceivableCreditQualityIndicatorsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 29<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock</td>
</tr>
<tr>
<td style="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_FinancingReceivableModifiedSubsequentDefaultTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivable with payment default and modified within previous 12 months preceding payment default for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 44<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-44<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock</td>
</tr>
<tr>
<td style="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_PastDueFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of aging analysis for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7A<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 80<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PastDueFinancingReceivablesTableTextBlock</td>
</tr>
<tr>
<td style="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_ReceivablesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>63
<FILENAME>R41.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593371936">
<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, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Property, Plant and Equipment [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="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentTextBlock', window );">Schedule of Property, Plant and Equipment</a></td>
<td class="text">The following is a summary of our premises and equipment.<div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.027%"><tr><td style="width:1.0%"></td><td style="width:55.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:1.984%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.666%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.627%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.668%"></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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</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><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;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><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%">12,356&#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></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">124,568&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">122,301&#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%">Furniture, fixtures, 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:9pt;font-weight:400;line-height:100%">35,519&#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%">34,068&#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%">115,132&#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:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">106,422&#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 equipment, 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%">287,575&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">275,147&#160;</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%">Accumulated depreciation</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(168,221)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(145,646)</span></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%">119,354&#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%">129,501&#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><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_PropertyPlantAndEquipmentAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 360<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482099/360-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>64
<FILENAME>R42.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593390784">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Goodwill and Acquired Intangible Assets (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>Goodwill and Intangible Assets 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="Show.showAR( this, 'defref_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock', window );">Schedule of Acquired Intangible Assets</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%">Acquired intangible assets include the following:</span></div><div style="margin-top:5pt;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:100.000%"><tr><td style="width:1.0%"></td><td style="width:25.355%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.461%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.894%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.329%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.894%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.461%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.878%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.461%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.894%"></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:8.026%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.461%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.937%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.461%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.298%"></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:#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: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%">2024</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%">2023</span></td></tr><tr style="height:20pt"><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:8pt;font-weight:700;line-height:100%">Useful Life</span></div><div style="text-align:center"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(in years)</span><span style="color:#144f82;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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cost Basis</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accumulated Amortization</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cost Basis</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Accumulated Amortization</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">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"><div style="padding-left:0.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Trade name and trademarks</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;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%">4.0</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%">6,040&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,139)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,901&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,040&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(629)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,411&#160;</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:0.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Customer relationships</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%">4.6</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,920&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,465)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,455&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,920&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,013)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,907&#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:0.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Developed technology</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="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%">3.5</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%">2,590&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,661)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,590&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(908)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,682&#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:0.75pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Partner relationships</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="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%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">730&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">608&#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 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%">Sallie.com domain</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%">4.0</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%">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%">(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%">144&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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;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 acquired intangible assets</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: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%">17,700&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10,271)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">7,429&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,280&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(5,672)</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%">12,608&#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-bottom:3pt;margin-top:9pt;padding-left:9pt;padding-right:9pt;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:8pt;font-weight:400;line-height:120%">The weighted average useful life of acquired intangible assets related to the Nitro acquisition is 4.6 years and the weighted average useful life of the acquired intangible assets related to the Scholly acquisition is 4.0 years.</span></div><div style="margin-bottom:3pt;margin-top:6pt;padding-left:9pt;padding-right:9pt;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%"> Trade name and trademarks, customer relationships, and developed technology at December 31, 2024 include $4&#160;million, $1&#160;million, and $1&#160;million, respectively, related to the Scholly acquisition.</span></div><div style="margin-bottom:3pt;padding-left:9pt;padding-right:9pt;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%"> In 2023, we fully impaired the Nitro trade name and trademarks asset for $56&#160;million.</span></div><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> In 2024, we fully impaired the Scholly partner relationships asset for less than $1&#160;million.<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_GoodwillAndIntangibleAssetsDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-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_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of assets, excluding financial assets and goodwill, lacking physical substance with a finite life, by either major class or business segment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 40<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482640/350-30-55-40<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>65
<FILENAME>R43.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506504064">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>Deposits [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="Show.showAR( this, 'defref_slm_ScheduleofDepositsTableTextBlock', window );">Schedule of Deposits</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 summarizes total deposits at December 31, 2024 and 2023.</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%">2024</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%">2023</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%">21,066,752&#160;</span></td><td style="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%">21,651,657&#160;</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%">1,816&#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%">1,531&#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%">21,068,568&#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><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%">21,653,188&#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><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="Show.showAR( this, 'defref_slm_InterestBearingDepositsTableTextBlock', window );">Schedule of Interest Bearing Deposits</a></td>
<td class="text"><div style="margin-top:12pt;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, 2024 and 2023 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:76.111%"><tr><td style="width:1.0%"></td><td style="width:37.586%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.077%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.498%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.712%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.951%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.712%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.498%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.712%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.954%"></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%">2024</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%">2023</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" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="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%">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%">9,582,290&#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%">4.27&#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: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%">10,258,292&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.85&#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 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">944,034&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.02&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">945,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.35&#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%">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%">10,540,428&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.20&#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%">10,448,365&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.69&#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%">21,066,752&#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%">21,651,657&#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><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>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock', window );">Schedule of Maturities of Time Deposits</a></td>
<td class="text"><div><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</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%">6,569,872&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">3,937,766&#160;</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%">2,074,849&#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%">4,112,902&#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%">986,262&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,881,371&#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%">189,421&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">327,295&#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%">720,005&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">188,802&#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%">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%">229&#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%">10,540,428&#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%">10,448,365&#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><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_InterestBearingDepositsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>[Table Text Block] for Interest Bearing Deposits [Table]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_InterestBearingDepositsTableTextBlock</td>
</tr>
<tr>
<td 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-types1: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_ScheduleofDepositsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Schedule of Deposits [Table Text Block]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ScheduleofDepositsTableTextBlock</td>
</tr>
<tr>
<td 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-types1: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_ScheduleofMaturitiesofTimeDepositsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Schedule of Maturities of Time Deposits [Table Text Block]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock</td>
</tr>
<tr>
<td 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-types1: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_DepositsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>66
<FILENAME>R44.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506979328">
<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, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ScheduleOfDebtTableTextBlock', window );">Schedule of Secured Borrowings</a></td>
<td class="text">The following table summarizes our secured borrowings at December 31, 2024 and 2023. <div style="margin-top:10.5pt;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><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%">2024</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%">2023</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" 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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">995,420&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">995,420&#160;</span></td><td style="background-color:#ffffff;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%">992,200&#160;</span></td><td style="background-color:#ffffff;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%">992,200&#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%">995,420&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">995,420&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">992,200&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">992,200&#160;</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%">4,617,743&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,617,743&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">3,585,254&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,585,254&#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%">827,182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">827,182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">650,058&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">650,058&#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"><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%">5,444,925&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,444,925&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">4,235,312&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">4,235,312&#160;</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%">5,444,925&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">5,444,925&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">4,235,312&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">4,235,312&#160;</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,440,345&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">6,440,345&#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%">5,227,512&#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%">5,227,512&#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><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfDebtInstrumentsTextBlock', window );">Schedule of Long-term Borrowings</a></td>
<td class="text"><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-weight:400;line-height:115%">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 2056.</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, 2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2024</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, 2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2023</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%">Long-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><td 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%">Floating-rate 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 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">827,182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.71&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">724,761&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">650,058&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.51&#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%">715,409&#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%">Fixed-rate 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%">5,613,163&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.09&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,864,359&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,577,454&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.52&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,605,806&#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 long-term borrowings</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%">6,440,345&#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:9pt;font-weight:400;line-height:100%">4.30&#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 style="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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,589,120&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,227,512&#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:9pt;font-weight:400;line-height:100%">3.89&#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 style="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%">5,321,215&#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><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock', window );">Schedule of Maturities of Long-term Debt</a></td>
<td class="text"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2024, the maturities of our brokered CDs and borrowings are summarized below. </span><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:63.750%"><tr><td style="width:1.0%"></td><td style="width:31.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.368%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.889%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.496%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.889%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.675%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.889%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.333%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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="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, 2024<br/>(dollars in thousands)</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%">Brokered CDs</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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<br/>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: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%">Secured Borrowings</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%">Total</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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:15pt"><td 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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2025</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%">2,763,401&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">498,897&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">823,843&#160;</span></td><td style="background-color:#ffffff;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%">4,086,141&#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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2026</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%">1,824,607&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">496,523&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">840,927&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,162,057&#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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2027</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%">783,061&#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%">&#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%">823,320&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,606,381&#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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2028</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%">146,282&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">642,798&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">789,080&#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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2029</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%">683,748&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">568,779&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,252,527&#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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2030 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%">&#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%">1,764,900&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,764,900&#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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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: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%">6,201,099&#160;</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%">995,420&#160;</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%">5,464,567&#160;</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%">12,661,086&#160;</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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">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%">(241)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(241)</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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">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%">6,200,858&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">995,420&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,464,567&#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%">12,660,845&#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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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></div><div style="margin-top:9pt;padding-left:126pt;padding-right:108pt;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 secured borrowings as long-term based on the contractual maturity dates ranging from 2032 to 2056. However, the actual maturity of our secured borrowings depends on the prepayment speeds of the underlying collateralized loans. To disclose how we expect this debt to pay down over time, the maturities for our secured borrowings are based on the projected bond principal paydowns using the current estimated loan prepayment speeds.</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="Show.showAR( this, 'defref_us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock', window );">Schedule of Securities Financing Transactions</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 Financing Transactions</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 summarizes our term funding collateralized by pools of Private Education Loans in the long-term ABS market issued in 2023 and 2024 in which we retained 100 percent of the residual class certificates. </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%">               </span><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:19.072%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.520%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.191%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.520%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.706%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.520%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.706%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.376%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.706%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.520%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.317%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.520%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.426%"></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%">SMB Private Education Loan Trust</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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 Closed</span></td><td colspan="3" 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%">Loans Transferred to the Trust</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%">Notes<br/>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%">Gross<br/>Proceeds</span></td><td colspan="3" 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">(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%">Weighted Average Life of Class A and Class B Notes<br/>(in years)</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: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:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></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></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></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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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></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></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:#dbdbdb;padding:2px 1pt;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-A ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">March 15, 2023</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">644,573&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">579,000&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">571,910&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">SOFR plus 1.53%</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">5.06</span></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%">2023-C ABS Transaction</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 16, 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">647,934&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">568,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">567,881&#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 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%">SOFR plus 1.69%</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%">4.93</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;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 2023</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,292,507&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,147,000&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,139,791&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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;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><td colspan="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:#dbdbdb;padding:2px 1pt;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-C ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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 15, 2024</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">733,644&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">668,000&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">667,888&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">SOFR plus 1.19%</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">5.36</span></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%">2024-E ABS Transaction</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 14, 2024</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">944,645&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">868,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">867,743&#160;</span></td><td style="background-color:#ffffff;padding: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%">SOFR plus 1.42%</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%">5.17</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;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-F ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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 6, 2024</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">732,445&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">680,000&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">679,981&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">SOFR plus 1.08%</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;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%">5.09</span></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%">Total 2024</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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,410,734&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,216,000&#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><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%">2,215,612&#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;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="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></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="padding-left:56.25pt;padding-right:54pt;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 transfer of such loans did not qualify for sale treatment and thus remain on our consolidated balance sheet.  At December 31, 2024, the following Private Education Loan amounts remain encumbered related to these transactions:</span></div><div style="margin-top:9pt;padding-left:20.25pt;padding-right:54pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%">                           </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:41.725%"></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:16.837%"></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:16.837%"></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:16.838%"></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%">SMB Private Education Loan Trust</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Loan Principal</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capitalized <br/>Interest</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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</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:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="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:#dbdbdb;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%">2023-A ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">484,551&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">32,856&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">517,407&#160;</span></td><td style="background-color:#dbdbdb;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%">2023-C ABS Transaction</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">516,507&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35,287&#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%">551,794&#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:#dbdbdb;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 2023</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,001,058&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,143&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,069,201&#160;</span></td><td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024-C ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">646,550&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">52,968&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">699,518&#160;</span></td><td style="background-color:#dbdbdb;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%">2024-E ABS Transaction</span></td><td colspan="3" style="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:9pt;font-weight:400;line-height:100%">841,355&#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:9pt;font-weight:400;line-height:100%">69,238&#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:9pt;font-weight:400;line-height:100%">910,593&#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:#dbdbdb;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%">2024-F ABS Transaction</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">662,361&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,131&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">717,492&#160;</span></td><td style="background-color:#dbdbdb;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:9pt;font-weight:400;line-height:100%">Total 2024</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,150,266&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">177,337&#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%">2,327,603&#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:56.25pt;padding-right:54pt;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">Represents SOFR equivalent cost of funds for variable and fixed-rate bonds, excluding issuance costs.</span></div> The following summarizes our Private Education Loan ABS transactions closed in 2023 and 2024 where the respective VIEs were not consolidated.<div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"></td><td style="width:25.186%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.841%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.251%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.536%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.112%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.474%"></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%">SMB Private Education Loan Trust</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%">Date Closed</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%">Loans Transferred to the Trust by Third-Party Seller</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%">Date Third-Party Seller Previously Purchased Loans from the Bank</span></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%">Additional Loans the Bank Transferred to the Trust</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:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gain on Sale for Additional Loans Transferred by Bank</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:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="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:#dbdbdb;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%">2023-B ABS transaction</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:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">May 24, 2023</span></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,988,277&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#dbdbdb;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%">May 3, 2023</span></td><td style="background-color:#dbdbdb;padding:2px 0 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%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">104,743&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,391&#160;</span></td><td style="background-color:#dbdbdb;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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2023-D ABS transaction</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:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">November 7, 2023</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">995,184&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;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%">October 13, 2023</span></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:9pt;font-weight:400;line-height:100%">52,572&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></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:9pt;font-weight:400;line-height:100%">1,570&#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:#dbdbdb;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%">2024-A ABS transaction</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:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">March 13, 2024</span></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,988,248&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#dbdbdb;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 1, 2024</span></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">104,748&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,685&#160;</span></td><td style="background-color:#dbdbdb;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"><div><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024-R1 ABS transaction</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:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">April 9, 2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,896&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;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%">n/a</span></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: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:top"></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: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:top"></td></tr><tr><td colspan="3" style="background-color:#dbdbdb;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%">2024-B ABS transaction</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:#dbdbdb;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%">April 11, 2024</span></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">191,445&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#dbdbdb;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%">March&#160;6, 2020 and</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#160;</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">November&#160;17, 2021</span></div></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,132&#160;</span></td><td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;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:#dbdbdb;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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2024-D ABS transaction</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:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">June 28, 2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,494,953&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">May 23, 2024</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">78,782&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,051&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></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: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 transfer of such additional loans qualified for sale treatment and removed these loans from our balance sheet on the settlement date of the transaction.</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: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">Sallie Mae Bank sponsored the transaction and is the servicer and administrator.</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: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">An unaffiliated third party sold to the Trust approximately $69 million of Private Education Loan residual flows from our 2020-PTA and 2020-PTB transactions through a re-securitization. Sallie Mae Bank sponsored the 2024-R1 transaction and is the administrator of the Trust.</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="Show.showAR( this, 'defref_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock', window );">Schedule of Variable Interest Entities</a></td>
<td class="text"><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><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, 2024<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 Net 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, Net</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%">&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,444,925&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,444,925&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,786,390&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">173,892&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">418,705&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">7,378,987&#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%">&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">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%">98&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,444,925&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,444,925&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">6,786,390&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">173,892&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">418,803&#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%">7,379,085&#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, 2023<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 Net 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, Net</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%">&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,235,312&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">4,235,312&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,539,964&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">149,412&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">303,653&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,993,029&#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%">&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">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%">100&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">4,235,312&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,235,312&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">5,539,964&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">149,412&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">303,753&#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%">5,993,129&#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, net primarily represents accrued interest receivable and payable.</span></div><div style="margin-bottom:6pt;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%">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%">2024</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%">2023</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%">571,795&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,262&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">625,057&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">423,327&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">54,481&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">477,808&#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></tr></table></div><div style="margin-top:6pt;padding-left:72pt"><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%"> Vertical risk retention interest classified as available-for-sale investment.</span></div><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> Vertical risk retention interest classified as trading investment.<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_DebtDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDebtInstrumentsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69E<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-3<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477734/942-470-50-3<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-8<br><br>Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-6<br><br>Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfDebtInstrumentsTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfDebtTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfDebtTableTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of maturity and sinking fund requirement for long-term debt.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfSecuritiesFinancingTransactionsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 860<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481420/860-30-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfVariableInterestEntitiesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-3<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-5A<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-9<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-4<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfVariableInterestEntitiesTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>67
<FILENAME>R45.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692498416384">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock', window );">Schedule of 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, 2024 and 2023, and their impact on earnings and other comprehensive income for the years ended December&#160;31, 2024, 2023, and 2022. </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:700;line-height:120%">    Impact of Derivatives on the Consolidated Balance Sheets</span></div><div style="text-align:center"><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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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 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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 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 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><td style="background-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><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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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><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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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><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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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><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%">&#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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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><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:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 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 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><td colspan="2" style="background-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%">(19)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(339)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(21)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(31)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(40)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">(370)</span></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:8.5pt;font-weight:700;line-height:100%">Total net derivatives</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 style="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:8.5pt;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:8.5pt;font-weight:400;line-height:100%">(19)</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:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(339)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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:8.5pt;font-weight:400;line-height:100%">(21)</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:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">(31)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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:8.5pt;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><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:8.5pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%">$</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:8.5pt;font-weight:400;line-height:100%">(40)</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:8.5pt;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:8.5pt;font-weight:400;line-height:100%">(370)</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 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><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%">2024</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%">2023</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%">2024</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%">2023</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%">&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">(40)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(370)</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%">&#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></tr><tr><td colspan="3" 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 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;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">&#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:7.5pt;font-weight:400;line-height:100%">(40)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(370)</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%">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><td colspan="2" style="background-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%">4,879&#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 colspan="2" style="background-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%">9,228&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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></tr><tr><td colspan="3" 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%">4,879&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">9,228&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">(40)</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%">(370)</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 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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span>   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="Show.showAR( this, 'defref_us-gaap_OffsettingAssetsTableTextBlock', window );">Schedule of Offsetting Assets</a></td>
<td class="text"><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><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%">2024</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%">2023</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%">2024</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%">2023</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%">&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">(40)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(370)</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%">&#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></tr><tr><td colspan="3" 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 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;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">&#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:7.5pt;font-weight:400;line-height:100%">(40)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(370)</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%">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><td colspan="2" style="background-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%">4,879&#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 colspan="2" style="background-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%">9,228&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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></tr><tr><td colspan="3" 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%">4,879&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">9,228&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">(40)</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%">(370)</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 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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span>   Cash collateral pledged excludes amounts that represent legal settlement of the derivative contracts.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffsettingLiabilitiesTableTextBlock', window );">Schedule of Offsetting Liabilities</a></td>
<td class="text"><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><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%">2024</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%">2023</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%">2024</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%">2023</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%">&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">(40)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(370)</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%">&#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></tr><tr><td colspan="3" 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 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;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">&#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:7.5pt;font-weight:400;line-height:100%">(40)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(370)</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%">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><td colspan="2" style="background-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%">4,879&#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 colspan="2" style="background-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%">9,228&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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></tr><tr><td colspan="3" 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%">4,879&#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">9,228&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%">$</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%">(40)</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%">(370)</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 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><span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span>   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="Show.showAR( this, 'defref_us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock', window );">Schedule of Notional Amounts of Outstanding Derivative Positions</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:93.888%"><tr><td style="width:1.0%"></td><td style="width:13.692%"></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:8.367%"></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:8.811%"></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:8.959%"></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:8.959%"></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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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%">2024</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%">2023</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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></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 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><td style="background-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%">639,097&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,203,783&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">281,520&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">702,309&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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%">920,617&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,906,092&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net total notional</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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:8pt;font-weight:400;line-height:100%">639,097&#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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,203,783&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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:8pt;font-weight:400;line-height:100%">281,520&#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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">702,309&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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:8pt;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:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</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:8pt;font-weight:400;line-height:100%">920,617&#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:8pt;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:8pt;font-weight:400;line-height:100%">1,906,092&#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><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><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></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="Show.showAR( this, 'defref_us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock', window );">Schedule of Cumulative Basis Adjustments for Fair Value Hedges</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, 2024 and 2023, 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%">2024</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%">2023</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%">2024</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%">2023</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%">(279,908)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(689,137)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">1,420&#160;</span></td><td style="background-color:#ededee;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%">12,910&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></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="Show.showAR( this, 'defref_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock', window );">Schedule of Impact of Derivatives on the Consolidated Statements of Income</a></td>
<td class="text">Impact of Derivatives on the Consolidated Statements of Income<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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,278)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26,054)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">16,308&#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%">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%">(11,490)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(18,350)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">82,043&#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%">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%">11,554&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,487&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(82,063)</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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,214)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(25,917)</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%">16,288&#160;</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%">41,221&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,810&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,658&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41,221&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">47,810&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">3,658&#160;</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%">&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(248)</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%">&#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><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%">&#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><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%">(248)</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%"><span style="-sec-ix-hidden:f-2481"><span style="-sec-ix-hidden:f-2482"><span style="-sec-ix-hidden:f-2483">Total</span></span></span></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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,007&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">21,893&#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%">19,698&#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><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock', window );">Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss)</a></td>
<td class="text">Impact of Derivatives on the Statements of Changes in Stockholders&#8217; Equity<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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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%">10,827&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,353&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">97,389&#160;</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%">41,221&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,810&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,658&#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 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><td style="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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(30,394)</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(34,457)</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%">93,731&#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><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_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-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_OffsettingAssetsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OffsettingAssetsTableTextBlock</td>
</tr>
<tr>
<td style="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_OffsettingLiabilitiesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OffsettingLiabilitiesTableTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-14A<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481674/830-30-50-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-20<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4E<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>68
<FILENAME>R46.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692505390512">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ScheduleOfTreasuryStockByClassTextBlock', window );">Schedule of Common Share Repurchases</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 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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-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%">2022</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)</span></div></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%">11,586,103&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">22,341,595&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">40,253,548&#160;</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">(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:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.59&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.64&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">17.58&#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">(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%">749,866&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,099,241&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,135,509&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.19&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.46&#160;</span></td><td style="background-color:#ffffff;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%">18.36&#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 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">(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%">2,374,379&#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%">3,109,276&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,107,768&#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: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 $402 million of capacity remaining under the 2024 Share Repurchase Program at December 31, 2024. </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; Average purchase price per share includes purchase commission costs and excise taxes. </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; </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 the vesting of restricted stock, restricted stock units, performance stock units, and dividend equivalent units 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">(4)</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>
</td>
</tr>
</table>
<div style="display: none;">
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td><strong> Balance 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_ScheduleOfTreasuryStockByClassTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481520/505-30-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481520/505-30-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481520/505-30-50-4<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfTreasuryStockByClassTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>69
<FILENAME>R47.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593396976">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings Per Share [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="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:93.055%"><tr><td style="width:1.0%"></td><td style="width:57.258%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.546%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.989%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.546%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.482%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.546%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.633%"></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, 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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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 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%">608,325&#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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">581,391&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">469,014&#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%">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%">18,296&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,705&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,029&#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%">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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">590,029&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">563,686&#160;</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%">459,985&#160;</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%">216,220&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">231,411&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">258,439&#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 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,714&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,652&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,064&#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%">219,934&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">234,063&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">261,503&#160;</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 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.73&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.44&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.78&#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: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%">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;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.68&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td 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%">2.41&#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 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%">1.76&#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><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, 2024, 2023, and 2022, securities covering approximately less than 1 million shares, 1 million shares, and 1 million shares, respectively, were outstanding but not included in the computation of diluted earnings per share because they were anti-dilutive.<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_EarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-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_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>70
<FILENAME>R48.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506303776">
<tr>
<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, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock', window );">Schedule of Stock Option Activity</a></td>
<td class="text">The following table summarizes stock option activity for the year ended December&#160;31, 2024.<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, 2023</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%">1,066,197&#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><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%">17.59&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">&#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="3" style="background-color:#ffffff;padding:0 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%">(65,668)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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;padding: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%">&#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="3" style="background-color:#ffffff;padding:0 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, 2024</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%">1,000,529&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.59&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.2 years</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">9,997&#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%">Exercisable at December&#160;31, 2024</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%">933,223&#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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.65&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.1 years</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">9,267&#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, 2024 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, 2024.</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 the options exercised was $0.3 million for the year ended December 31, 2024. No options were exercised in the years ended December 31, 2023 and 2022.</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">Cash of $1 million was received from option exercises for the year ended December 31, 2024. The actual tax benefit realized for the tax deductions from option exercises totaled less than $1 million for the year ended December 31, 2024.</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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock', window );">Schedule of 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, 2024. </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, 2023</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%">83,479&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">16.47&#160;</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%">77,759&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.51&#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%">(83,479)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16.47&#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%">(7,069)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.51&#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, 2024</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%">70,690&#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%">20.51&#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, 2024, 2023, and 2022 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, 2024, there was $0.7 million of unrecognized compensation cost related to restricted stock, which is expected to be recognized over a weighted average period of 0.5 years.</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="Show.showAR( this, 'defref_slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock', window );">Schedule of 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, 2024.</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, 2023</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%">4,346,994&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">16.39&#160;</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%">2,061,763&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.22&#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%">(1,932,557)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16.39&#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%">(38,019)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18.25&#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, 2024</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%">4,438,181&#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%">18.16&#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, 2024, 2023, and 2022 was $32 million, $35&#160;million, and $34 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, 2024, there was $22 million of unrecognized compensation cost related to RSUs/PSUs, which is expected to be recognized over a weighted average period of 1.5 years.</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="Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock', window );">Summary of 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:79.444%"><tr><td style="width:1.0%"></td><td style="width:51.522%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.109%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.674%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.109%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.674%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.112%"></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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</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%">4.56&#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%">5.31&#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%">3.02&#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%">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: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%">38&#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%">39&#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%">1.99&#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%">2.73&#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%">2.78&#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><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><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%">5.07&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.14&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.17&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></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_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Schedule Of Share Based Compensation Arrangement By Share Based Payment Award Restricted Stock Units And Performance Stock Units Vested And Expected To Vest [Table Text Block]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock</td>
</tr>
<tr>
<td 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-types1: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_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</td>
</tr>
<tr>
<td style="padding-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_ScheduleOfNonvestedShareActivityTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the changes in outstanding nonvested shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure for stock option plans. Includes, but is not limited to, outstanding awards at beginning and end of year, grants, exercises, forfeitures, and weighted-average grant date fair value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -SubTopic 10<br> -Topic 718<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)<br> -SubTopic 10<br> -Topic 718<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the significant assumptions used during the year to estimate the fair value of employee stock purchase plans, including, but not limited to: (a) expected term, (b) expected volatility of the entity's shares, (c) expected dividends, (d) risk-free rate(s), and (e) discount for post-vesting restrictions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 718<br> -SubTopic 10<br> -Subparagraph (f)(2)<br> -Name Accounting Standards Codification<br> -Paragraph 2<br> -Section 50<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>71
<FILENAME>R49.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692502041520">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Disclosures [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="Show.showAR( this, 'defref_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock', window );">Valuation of Financial Instruments that are Marked-to-market on Recurring Basis</a></td>
<td class="text"><div style="margin-bottom:6pt;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:95.972%"><tr><td style="width:1.0%"></td><td style="width:19.884%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.280%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.464%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.004%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.464%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.280%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.464%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.004%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.523%"></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></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%">2024</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:8pt;font-weight:700;line-height:100%">2023</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%">Level&#160;1&#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: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><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="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="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 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%">Trading investments</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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="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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,262&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">53,262&#160;</span></td><td style="background-color:#ededee;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="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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,481&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">54,481&#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%">Available-for-sale 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%">&#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%">1,930,537&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,933,226&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">2,411,622&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">2,411,622&#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%"><span style="-sec-ix-hidden:f-2695"><span style="-sec-ix-hidden:f-2696">Derivative instruments</span></span></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%">&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">1,930,537&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,951&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">1,986,488&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,411,622&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,481&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,466,103&#160;</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%"><span style="-sec-ix-hidden:f-2713"><span style="-sec-ix-hidden:f-2714">Derivative instruments</span></span></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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(40)</span></td><td style="background-color:#ededee;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%">(40)</span></td><td style="background-color:#ededee;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%">(370)</span></td><td style="background-color:#ededee;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%">(370)</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%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(40)</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%">(40)</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%">(370)</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%">(370)</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><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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:36pt"><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:96.111%"><tr><td style="width:1.0%"></td><td style="width:27.801%"></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: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:9.449%"></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: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:9.454%"></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%">2024</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%">2023</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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,110,381&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">20,902,158&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,208,223&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">22,229,045&#160;</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,772,293&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,456,752&#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%">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%">&#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%">542,775&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">534,064&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,711&#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></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><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">4,700,366&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,700,366&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">4,149,838&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,149,838&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">53,262&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,262&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">54,481&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,481&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">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%">1,933,226&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,933,226&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">2,411,622&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,411,622&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">1,663,474&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,546,590&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">116,884&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,448,766&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,379,904&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,862&#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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">&#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><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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;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 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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">32,460,709&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">29,135,602&#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><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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,325,107&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">30,836,527&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,302,202&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,534,325&#160;</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%">Interest-bearing 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><td 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%">Money-market and savings accounts</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,503,731&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">10,526,324&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,593&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">11,134,883&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,203,292&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">68,409&#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%">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%">10,593,666&#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%">10,540,428&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(53,238)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,380,684&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,448,365&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67,681&#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></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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%">6,323,384&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,440,345&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">116,961&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,873,690&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,227,512&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">353,822&#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%">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:9pt;font-weight:400;line-height:100%">108,488&#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%">108,488&#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%">&#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%">105,066&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">105,066&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">40&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">370&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">370&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,529,309&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">27,615,625&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">86,316&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">26,494,693&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,984,605&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">489,912&#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 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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,411,423&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,024,237&#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><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock', window );">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation</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 table summarizes the change in balance sheet carrying value associated with level 3 financial instruments carried at fair value on a recurring basis. </span></div><div style="text-indent:22.5pt"><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:120%">  </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.777%"><tr><td style="width:1.0%"></td><td style="width:38.246%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.510%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.127%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.510%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.417%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.510%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.422%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.510%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.127%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.510%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.417%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.368%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.426%"></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-bottom:1pt solid #000;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:8.5pt;font-weight:700;line-height:100%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-bottom:1pt solid #000;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:8.5pt;font-weight:700;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="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:8.5pt;font-weight:700;line-height:100%">Investments</span></td><td colspan="3" style="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:8.5pt;font-weight:700;line-height:100%">Investments</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:8.5pt;font-weight:700;line-height:100%">Years ended 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:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Available For Sale - <br/>Debt Securities</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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:8.5pt;font-weight:700;line-height:100%">Trading - Residual Interests</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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:8.5pt;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 #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%">Available For Sale -<br/>Debt Securities</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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:8.5pt;font-weight:700;line-height:100%">Trading - Residual Interests</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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:8.5pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#ededed;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%">Balance, beginning of period</span></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,481&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,481&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50,786&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50,786&#160;</span></td><td style="background-color:#ededed;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:9pt;font-weight:400;line-height:100%">Total gains/(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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 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:#ededed;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:9pt;font-weight:400;line-height:100%">Included in earnings (or changes in net assets)</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:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;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:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">478&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">498&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,721&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,721&#160;</span></td><td style="background-color:#ededed;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%"><span style="-sec-ix-hidden:f-2744">Included in other comprehensive income</span></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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:#ededed;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%">Settlements</span></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,589&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,697)</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">892&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">974&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">974&#160;</span></td><td style="background-color:#ededed;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%">Transfers into level 3</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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:#ededed;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%">Transfers out of level 3</span></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;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%">Balance, end of period</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,689&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">53,262&#160;</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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,951&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">&#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><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%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,481&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">54,481&#160;</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:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ededed;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:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">80&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">80&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">&#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:#ededed;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="-sec-ix-hidden:f-2781"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized gains (losses) for the period included in earnings (or changes in net assets) for assets held at the end of the reporting period</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></span></div></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">478&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">478&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,721&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,721&#160;</span></td><td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:22.5pt;text-indent:-13.5pt"><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%">Included in earnings (or changes in net assets) is comprised of the amounts recorded in the specified line item in the consolidated statements of income:</span></div><div style="padding-left:40.5pt;padding-right:22.5pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:40.5pt;padding-right:22.5pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.444%"><tr><td style="width:1.0%"></td><td style="width:43.797%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.175%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.075%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.178%"></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%">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="9" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></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%">2024</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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#ededed;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:8pt;font-weight:400;line-height:100%"><span style="-sec-ix-hidden:f-2788">Interest Income - Investments</span></span></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt 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%">$</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-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:#ededed;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%"><span style="-sec-ix-hidden:f-2791"><span style="-sec-ix-hidden:f-2792">Gains (losses) on securities, net</span></span></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">478&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-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%">2,721&#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:#ededed;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</span></td><td colspan="3" style="background-color:#ededed;padding:0 1pt"></td><td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt 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%">$</span></td><td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">498&#160;</span></td><td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededed;border-bottom:3pt double #000;border-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%">2,721&#160;</span></td><td style="background-color:#ededed;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:22.5pt;text-indent:-13.5pt"><span><br/></span></div><div style="padding-left:42.75pt;padding-right:22.5pt;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%">    Recorded in "gains (losses) on securities, net" in the consolidated statements of income.</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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock', window );">Fair Value Measurement Inputs and Valuation Techniques</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 presents the significant unobservable inputs used in the recurring valuations of the level 3 financial instruments detailed above. </span></div><div style="text-indent: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:534.75pt"><tr><td style="width:1.0pt"></td><td style="width:110.50pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:67.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:4.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:91.00pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:132.25pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:1.75pt"></td><td style="width:1.0pt"></td><td style="width:1.0pt"></td><td style="width:105.25pt"></td><td style="width:1.0pt"></td></tr><tr style="height:23pt"><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:8.5pt;font-weight:700;line-height:100%">As of December 31, 2024<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:8.5pt;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="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:8.5pt;font-weight:700;line-height:100%">Valuation Technique</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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:8.5pt;font-weight:700;line-height:100%">Unobservable Input</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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:8.5pt;font-weight:700;line-height:100%">Range (Average)</span></td></tr><tr style="height:15pt"><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%">Debt Securities</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%">2,689&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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:center;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Discounted cash flow</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%">Constant Prepayment 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: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%">6.9%-11.0% (8.3%) </span></div></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: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%">Probability of default</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"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.0%-17.0% (11.5%) </span></div></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%">Residual Interests</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%">53,262&#160;</span></td><td style="background-color:#ededee;padding: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%">Discounted cash flow</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%">Constant Prepayment Rate</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"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.9%-11.0% (8.3%) </span></div></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: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%">Probability of default</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"><div style="text-align:center"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.0%-17.0% (11.5%) </span></div></td></tr><tr style="height:15pt"><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%">Total</span></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%">55,951&#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: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></table></div><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_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of input and valuation technique used to measure fair value and change in valuation approach and technique for each separate class of asset and liability measured on recurring and nonrecurring basis.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock</td>
</tr>
<tr>
<td style="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_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the fair value measurement of assets using significant unobservable inputs (Level 3), a reconciliation of the beginning and ending balances, separately presenting changes during the period attributable to the following: (1) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets) and gains or losses recognized in other comprehensive income (loss), and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (2) purchases, sales, issues, and settlements (each type disclosed separately); and (3) transfers in and transfers out of Level 3 (for example, transfers due to changes in the observability of significant inputs), by class of asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 101<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-101<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock</td>
</tr>
<tr>
<td style="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_FairValueByBalanceSheetGroupingTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByBalanceSheetGroupingTextBlock</td>
</tr>
<tr>
<td style="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_FairValueDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-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_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>72
<FILENAME>R50.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692602581920">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations</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:115%">At December 31, 2024, the adjusted transition amounts that were deferred and are being phased in for regulatory capital purposes are as follows: </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:97.916%"><tr><td style="width:1.0%"></td><td style="width:18.332%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.792%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.509%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.509%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.644%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.509%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.644%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.509%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.644%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.509%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.799%"></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%">Adjusted 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%">Phase-In <br/>Amounts 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%">Phase-In <br/>Amounts 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%">Phase-In <br/>Amounts 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%">Remaining Adjusted Transition Amounts to be Phased-In</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%">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, 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;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, 2024</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><td colspan="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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">836,351&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(209,088)</span></td><td style="background-color:#ededee;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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(209,088)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">(209,088)</span></td><td style="background-color:#ededee;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%">209,087&#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: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%">1,038,145&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">259,537&#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%">104,377&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26,094)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26,094)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26,095)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,094&#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%">(76,542)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(76,542)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(76,543)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">76,544&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>The following capital amounts and ratios are based upon the Bank&#8217;s average assets and risk-weighted assets, as indicated. The Bank has elected to exclude accumulated other comprehensive income related to both available-for-sale investments and swap valuations from Common Equity Tier 1 Capital. At December 31, 2024 and December 31, 2023, the unrealized loss on available-for-sale investments included in other comprehensive income totaled $83&#160;million and $115&#160;million, net of tax of $27&#160;million and $37&#160;million, respectively. The capital ratios would remain above the well capitalized thresholds, including applicable capital conservation buffers, if the unrealized loss became fully recognized into capital.<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"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2024</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">(3)</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">:</span></div></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%">2,957,067&#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%">11.3&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,827,318&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,957,067&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,218,886&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,294,663&#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%">12.6&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,740,976&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">2,957,067&#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%">9.7&#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: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%">1,213,505&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 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"><div><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of December 31, 2023</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">(3)</span><span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;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></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%">3,019,973&#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%">12.3&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,719,621&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,019,973&#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%">12.3&#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%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,088,111&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total Capital (to Risk-Weighted Assets)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,334,140&#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%">13.6&#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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,579,432&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline">&gt;</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tier 1 Capital (to Average Assets)</span></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">3,019,973&#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%">10.2&#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 style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,184,213&#160;</span></td><td 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 style="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"><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:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">        &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div><div style="padding-left:63pt;padding-right:54pt;text-indent:-13.5pt"><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:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline">Reflects the U.S. Basel III minimum required ratio plus the applicable capital conservation buffer. </span></div><div style="padding-left:63pt;padding-right:54pt;text-indent:-13.5pt"><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:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline">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 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>For both December 31, 2024 and 2023, the actual amounts and the actual ratios include the respective adjusted transition amounts discussed above that were phased in at the beginning of 2024 and 2023.<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_RegulatoryAssetsAndLiabilitiesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-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_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>73
<FILENAME>R51.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506503008">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2022</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><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;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><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;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><td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;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><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">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%">2.3&#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%">3.8&#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%">4.1&#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 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%">(2.0)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.3)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.5)</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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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%">2.5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.8&#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%">2.0&#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:#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%">23.8&#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%">25.3&#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><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%">25.6&#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>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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-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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2022</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%">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%">181,132&#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: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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">175,977&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">205,954&#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%">43,506&#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:9pt;font-weight:400;line-height:100%">44,152&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49,427&#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%">224,638&#160;</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%">220,129&#160;</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%">255,381&#160;</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%">(19,032)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,687)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(75,978)</span></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%">(15,295)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,537)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17,692)</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 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%">(34,327)</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%">(23,224)</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%">(93,670)</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">190,311&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">196,905&#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%">161,711&#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><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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><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 #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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</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><td 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%">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%">376,029&#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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">354,412&#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;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><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,209&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,176&#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 expenses not currently deductible</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,841&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,297&#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%">Unrecorded tax benefits</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%">12,008&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,568&#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%">Research and development costs</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38,119&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26,519&#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%">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:9pt;font-weight:400;line-height:100%">12,885&#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%">10,847&#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="background-color:#ffffff;padding:2px 1pt;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:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,394&#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 colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,536&#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 loss carryovers</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%">26&#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="display:none"></td><td colspan="3" style="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</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,785&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,426&#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 assets</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%">498,270&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">459,807&#160;</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%">Deferred tax 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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">22,873&#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 colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,908&#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%">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%">7,708&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,533&#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%">Federal deferred for state 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%">1,908&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,171&#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="display:none"></td><td colspan="3" style="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</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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%">614&#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%">32,891&#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><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%">26,226&#160;</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%">465,379&#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%">433,581&#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></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="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><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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2022</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><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,123&#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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79,366&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">75,328&#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></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,232&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,204&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,049&#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%">Decreases resulting from tax positions taken during a prior 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:9pt;font-weight:400;line-height:100%">(1,890)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(250)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,327)</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 resulting from tax positions taken during the 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%">3,218&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,711&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,032&#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%">Decreases related to settlements with taxing authorities</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%">(18,349)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10,089)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,666)</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%">Reductions related to the lapse of statute of limitations</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,927)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,819)</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%">(7,050)</span></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%">Unrecognized tax benefits at end of year</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48,407&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">68,123&#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%">79,366&#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><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_IncomeTaxDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-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_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 231<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-231<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12A<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock</td>
</tr>
<tr>
<td style="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_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the change in unrecognized tax benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 217<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-217<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock</td>
</tr>
<tr>
<td style="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>74
<FILENAME>R52.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593290864">
<tr>
<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>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>Condensed Financial Information 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="Show.showAR( this, 'defref_srt_ScheduleOfCondensedBalanceSheetTableTextBlock', window );">Parent only Condensed Balance Sheets</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:81.250%"><tr><td style="width:1.0%"></td><td style="width:69.156%"></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:12.575%"></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:12.577%"></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 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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">At December 31, (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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</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><td 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%">391,481&#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%">237,857&#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 in subsidiaries (primarily Sallie Mae Bank)</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%">2,773,211&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,628,838&#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%">Due from subsidiaries, 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%">43,556&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,679&#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 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%">2,165&#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%">2,270&#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%">3,210,413&#160;</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%">2,932,644&#160;</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></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><td colspan="3" style="background-color:#ffffff;padding:0 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%">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="display:none"></td><td colspan="3" style="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%">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 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">995,420&#160;</span></td><td style="background-color:#ffffff;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%">992,200&#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%">22,440&#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%">26,701&#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="background-color:#ffffff;padding:2px 1pt;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%">32,633&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">32,946&#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%">1,050,493&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">1,051,847&#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></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></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%">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 $0.20 per share, 20 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: 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:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;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;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 $0.20 per share, 1.125 billion shares authorized: 440.6 million and 438.2 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%">88,121&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">87,647&#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%">1,193,753&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,148,689&#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 $(21,209) and $(24,176), 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%">(65,861)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(75,104)</span></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%">4,114,446&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,624,859&#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%">5,581,529&#160;</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%">5,037,161&#160;</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: 230.2 million and 217.9 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%">(3,421,609)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,156,364)</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 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%">2,159,920&#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><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%">1,880,797&#160;</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 liabilities and equity</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%">3,210,413&#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%">2,932,644&#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><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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:74.027%"><tr><td style="width:1.0%"></td><td style="width:49.931%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.113%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.113%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.909%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.113%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.912%"></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: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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2022</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><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,660&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">$</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,334&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">4,084&#160;</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%">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%">39,855&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">39,850&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">39,860&#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 loss</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%">(28,195)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(30,516)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(35,776)</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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">114&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,701)</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%">(5,117)</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%">62,696&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">61,958&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,466&#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%">Loss before income tax benefit and equity in net income from subsidiaries</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%">(90,777)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(95,175)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(96,359)</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 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%">(7,117)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,942)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10,351)</span></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%">Equity in net income from subsidiaries (primarily Sallie Mae Bank)</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%">691,985&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">669,624&#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%">555,022&#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%">608,325&#160;</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%">581,391&#160;</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%">469,014&#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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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%">18,296&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,705&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,029&#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 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-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">590,029&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">563,686&#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%">459,985&#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><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock', window );">Parent only Condensed Statements of Cash Flows</a></td>
<td class="text"><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: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%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2022</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%">Cash flows from 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%">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%">608,325&#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 style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">581,391&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">469,014&#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%">Adjustments to reconcile net income to net cash 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%">(691,985)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(669,624)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(555,022)</span></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%">Dividends received from Sallie Mae Bank</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%">569,500&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">550,000&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">699,500&#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%">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: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%">2,816&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,231&#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%">Amortization of unsecured debt upfront fees</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%">2,647&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,643&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,651&#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%">Amortization of discount on unsecured 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%">573&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">571&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">571&#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%">Acquisition related costs</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%">952&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,603&#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%">(Increase) decrease in investment in subsidiaries, 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%">27,350&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35,654&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,179)</span></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%">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%">20,123&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">36,864&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,124&#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%">(14,265)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(13,422)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,533)</span></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%">(4,261)</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%">490&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,713)</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%">&#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%">(101)</span></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 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%">1,053&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,442)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,836)</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%">(89,265)</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%">(56,498)</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%">120,296&#160;</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%">519,060&#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:9pt;font-weight:400;line-height:100%">524,893&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">589,310&#160;</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%">Purchase of subsidiary, net of cash acquired</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(14,654)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(127,654)</span></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%">Net cash used in 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 #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(14,654)</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(127,654)</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 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><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#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%">(375)</span></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="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="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:#ededee;padding:2px 1pt;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:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(99,172)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(101,233)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(112,961)</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 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%">(18,296)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17,705)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,029)</span></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%">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:9pt;font-weight:400;line-height:100%">(247,968)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(350,264)</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(713,197)</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 cash used in 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:9pt;font-weight:400;line-height:100%">(365,436)</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%">(469,202)</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%">(835,562)</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 increase (decrease) in cash and cash equivalents</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%">153,624&#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%">41,037&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">(373,906)</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%">Cash and cash equivalents 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:9pt;font-weight:400;line-height:100%">237,857&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">196,820&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;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></tr><tr><td colspan="3" style="background-color:#ededee;padding:2px 1pt;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:#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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">391,481&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">237,857&#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%">196,820&#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><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract</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_srt_ScheduleOfCondensedBalanceSheetTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed balance sheet, including, but not limited to, balance sheets of consolidated entities and consolidation eliminations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph a<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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_ScheduleOfCondensedBalanceSheetTableTextBlock</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>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_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed cash flow statement, including, but not limited to, cash flow statements of consolidated entities and consolidation eliminations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph a<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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_ScheduleOfCondensedCashFlowStatementTableTextBlock</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>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_srt_ScheduleOfCondensedIncomeStatementTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed income statement, including, but not limited to, income statements of consolidated entities and consolidation eliminations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph a<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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_ScheduleOfCondensedIncomeStatementTableTextBlock</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>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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>75
<FILENAME>R53.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506513648">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Segment Reporting (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SegmentReportingAbstract', window );"><strong>Segment Reporting [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="Show.showAR( this, 'defref_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock', window );">Schedule of Segment Reporting Information, by Segment</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 illustrates the significant expense categories and amounts regularly provided to the CEO.</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:89.166%"><tr><td style="width:1.0%"></td><td style="width:54.974%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.890%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.451%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.890%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.451%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.890%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.454%"></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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2024</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding: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%">2022</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%">Non-interest expenses:</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 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%">Compensation and benefits</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%">349,387&#160;</span></td><td style="background-color:#ffffff;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%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">326,554&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">270,354&#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%">Professional fees</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%">129,472&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">145,062&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">164,226&#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%">Technology 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%">57,431&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54,942&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">48,561&#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%">FDIC assessment fees</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%">51,606&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">45,766&#160;</span></td><td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;padding:0 1pt"></td><td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,939&#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%">Other operating 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%">48,674&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46,882&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,382&#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;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">636,570&#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%">619,206&#160;</span></td><td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;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%">551,462&#160;</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%">Acquired intangible assets impairment and amortization 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%">5,329&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,364&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,779&#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 non-interest expenses</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%">$</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">641,899&#160;</span></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</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%">685,570&#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%">559,241&#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><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_ScheduleOfSegmentReportingInformationBySegmentTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 25<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-25<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 280<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock</td>
</tr>
<tr>
<td style="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_SegmentReportingAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SegmentReportingAbstract</td>
</tr>
<tr>
<td style="padding-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>R54.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593877472">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies - Trading Investments Narrative (Details)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Vertical Risk Retention, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>77
<FILENAME>R55.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692502758880">
<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="1">9 Months Ended</th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Sep. 30, 2024</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo', window );">Percentage reimbursement on all qualifying default claims period two (as a percentage)</a></td>
<td class="text">&#160;<span></span>
</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="Show.showAR( this, 'defref_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne', window );">Percentage reimbursement on all qualifying default claims period one (as a percentage)</a></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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree', window );">Variable rate</a></td>
<td class="text">&#160;<span></span>
</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="Show.showAR( this, 'defref_slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure', window );">Maximum loss exposure due to federal guarantee</a></td>
<td class="text">&#160;<span></span>
</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="Show.showAR( this, 'defref_slm_ConstantPrepaymentFeeVariableRate', window );">Basis points</a></td>
<td class="text">&#160;<span></span>
</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="Show.showAR( this, 'defref_slm_LoansinNonaccrualStatus', window );">Loans in nonaccrual status</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment', window );">Percent of private education loans related to borrowers in school, grace or deferment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">26.00%<span></span>
</td>
<td class="nump">25.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfNotesReceivable', window );">Gain (loss) on sale of financing receivable</a></td>
<td class="num">$ (8,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (4,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=us-gaap_CreditCardMember', window );">Credit Card</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal', window );">Financing receivable allowance for credit loss, transfer to held-to-sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2,400,000<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_ConstantPrepaymentFeeVariableRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Constant Prepayment Fee, Variable Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans in Nonaccrual Status</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage reimbursement on all qualifying default claims period one.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage reimbursement on all qualifying default claims period three.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 40<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481628/310-20-40-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 948<br> -SubTopic 310<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477011/948-310-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_GainLossOnSaleOfNotesReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481326/860-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_CreditCardsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=us-gaap_CreditCardMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_CreditCardMember</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>78
<FILENAME>R56.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692508585120">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies - Business Combination (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">17 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Jul. 21, 2023</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Mar. 04, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 56,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 56,000<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="Show.showAR( this, 'defref_us-gaap_BusinessCombinationAcquisitionRelatedCosts', window );">Acquisition related costs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 952<span></span>
</td>
<td class="nump">$ 2,603<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="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=slm_NitroCollegeMember', window );">Nitro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet', window );">Purchase price</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 51,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts', window );">Transaction 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="nump">3,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill', window );">Identifiable intangible assets at acquisition date included definite life intangible assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 75,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=slm_SchollyIncMember', window );">Scholly, Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
<td class="nump">$ 5,000<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="Show.showAR( this, 'defref_us-gaap_BusinessCombinationAcquisitionRelatedCosts', window );">Acquisition 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="nump">$ 1,000<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="Show.showAR( this, 'defref_us-gaap_FinitelivedIntangibleAssetsAcquired1', window );">Identifiable intangible assets aggregate fair value at acquisition date</a></td>
<td class="nump">$ 11,000<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>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of direct costs of the business combination including legal, accounting, and other costs incurred to consummate the business acquisition.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_BusinessAcquisitionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479907/805-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionLineItems</td>
</tr>
<tr>
<td style="padding-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_BusinessCombinationAcquisitionRelatedCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This element represents acquisition-related costs incurred to effect a business combination which costs have been expensed during the period. Such costs include finder's fees; advisory, legal, accounting, valuation, and other professional or consulting fees; general administrative costs, including the costs of maintaining an internal acquisitions department; and may include costs of registering and issuing debt and equity securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 25<br> -Paragraph 23<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479405/805-10-25-23<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationAcquisitionRelatedCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of intangible assets, excluding goodwill, acquired at the acquisition date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479907/805-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount recognized for assets, including goodwill, in excess of (less than) the aggregate liabilities assumed.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479907/805-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinitelivedIntangibleAssetsAcquired1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in assets, excluding financial assets, lacking physical substance with a definite life, from an acquisition.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinitelivedIntangibleAssetsAcquired1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_Goodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 49<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-49<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482548/350-20-55-24<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482598/350-20-45-1<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482573/350-20-50-1<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482573/350-20-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Goodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_BusinessAcquisitionAxis=slm_NitroCollegeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_BusinessAcquisitionAxis=slm_NitroCollegeMember</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_BusinessAcquisitionAxis=slm_SchollyIncMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_BusinessAcquisitionAxis=slm_SchollyIncMember</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>79
<FILENAME>R57.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692499534912">
<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, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deposits, Period of Notification for Withdrawal</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>80
<FILENAME>R58.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692497962864">
<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, 2024</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>81
<FILENAME>R59.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692505713984">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional derivative contracts</a></td>
<td class="nump">$ 920,617<span></span>
</td>
<td class="nump">$ 1,906,092<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional derivative contracts</a></td>
<td class="nump">$ 850,000<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="Show.showAR( this, 'defref_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts', window );">Percent of total notional derivative contracts</a></td>
<td class="nump">92.30%<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="Show.showAR( this, 'defref_slm_AmountOfVariationMarginIncludedAsSettlement', window );">Amount of variation margin included as settlement</a></td>
<td class="num">$ (22,000)<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="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional derivative contracts</a></td>
<td class="nump">$ 71,000<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="Show.showAR( this, 'defref_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts', window );">Percent of total notional derivative contracts</a></td>
<td class="nump">7.70%<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="Show.showAR( this, 'defref_slm_AmountOfVariationMarginIncludedAsSettlement', window );">Amount of variation margin included as settlement</a></td>
<td class="num">$ (1,000)<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_AmountOfVariationMarginIncludedAsSettlement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount Of Variation Margin Included As Settlement</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Derivative Instrument, Percent of Total Notional Derivative Contracts</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4E<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-1B<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DerivativeInstrumentRiskAxis=exch_XCME">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>82
<FILENAME>R60.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692602623904">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Cash and Cash Equivalents (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAbstract', window );"><strong>Cash and Cash Equivalents [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_CashduefromFederalReserveBank', window );">Cash due from Federal Reserve Bank</a></td>
<td class="nump">$ 4,600,000,000<span></span>
</td>
<td class="nump">$ 4,100,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash due from depository institutions</a></td>
<td class="nump">57,000,000<span></span>
</td>
<td class="nump">41,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cash due from Federal Reserve Bank</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest income from Term Deposit Facility</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>83
<FILENAME>R61.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692498821504">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investments - Narrative (Details)<br> $ in Thousands</strong></div></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>Dec. 31, 2022 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>USD ($) </div>
<div>security</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($) </div>
<div>security</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Mar. 31, 2023 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_VerticalRiskRetentionPercentage', window );">Vertical risk retention interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PaymentsToAcquireTradingSecuritiesHeldForSale', window );">Increase in trading investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 5,117<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 53,262<span></span>
</td>
<td class="nump">$ 54,481<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions', window );">Number of government sponsored securities with unrealized losses | security</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">236<span></span>
</td>
<td class="nump">213<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="Show.showAR( this, 'defref_slm_DebtSecuritiesAvailableForSaleNumberOfPositions', window );">Number of mortgage-backed securities | security</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">278<span></span>
</td>
<td class="nump">248<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="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">$ 610,000<span></span>
</td>
<td class="nump">$ 612,000<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="Show.showAR( this, 'defref_us-gaap_OtherInvestmentNotReadilyMarketableFairValue', window );">Non-marketable securities investment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">24,000<span></span>
</td>
<td class="nump">14,000<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="Show.showAR( this, 'defref_slm_OtherInvestmentNotReadilyMarketableGainLoss', window );">Gain (loss) on non-marketable securities investment</a></td>
<td class="num">$ (60,000)<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="Show.showAR( this, 'defref_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount', window );">Low income housing tax credit investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">13,000<span></span>
</td>
<td class="nump">11,000<span></span>
</td>
<td class="nump">9,000<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="Show.showAR( this, 'defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization', window );">Amount of amortization reported in income tax expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10,000<span></span>
</td>
<td class="nump">9,000<span></span>
</td>
<td class="nump">$ 7,000<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="Show.showAR( this, 'defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments', window );">Total carrying value of LIHTC investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">82,000<span></span>
</td>
<td class="nump">72,000<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="Show.showAR( this, 'defref_us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment', window );">Liability for unfunded commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 30,000<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>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration', window );">Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Cash Flows [Extensible Enumeration]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Deferred tax provision (benefit)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration', window );">Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Income or Comprehensive Income [Extensible Enumeration]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Income tax expense<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration', window );">Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Income or Comprehensive Income [Extensible Enumeration]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Income tax expense<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration', window );">Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Cash Flows [Extensible Enumeration]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Accretion (Amortization) of Discounts and Premiums, Investments<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration', window );">Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Investments<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_EquitySecuritiesMember', window );">Equity Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherInvestmentNotReadilyMarketableFairValue', window );">Non-marketable securities 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="nump">$ 5,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DebtSecuritiesAvailableForSaleNumberOfPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt Securities, Available-for-sale, Number of Positions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_OtherInvestmentNotReadilyMarketableGainLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Investment Not Readily Marketable, Gain (Loss)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_OtherInvestmentNotReadilyMarketableGainLoss</td>
</tr>
<tr>
<td 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_ParValueOfMortgageBackedSecuritiesPledgedToFRB">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Par Value Of Mortgage-Backed Securities Pledged To FRB</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_PaymentsToAcquireTradingSecuritiesHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Payments To Acquire Trading Securities Held-For-Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PaymentsToAcquireTradingSecuritiesHeldForSale</td>
</tr>
<tr>
<td 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_VerticalRiskRetentionPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Vertical Risk Retention, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before amortization expense, of income tax credit and other tax benefit generated by investment under tax credit program elected to be accounted for using proportional amortization method. Includes, but is not limited to, investment under tax credit program not meeting condition for accounting under proportional amortization method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 323<br> -SubTopic 740<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478156/323-740-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478156/740-323-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_AmortizationMethodQualifiedAffordableHousingProjectInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment that generates income tax credit and other income tax benefit under tax credit program elected to be accounted for using proportional amortization method. Includes, but is not limited to, investment under program not meeting condition for accounting under proportional amortization method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478156/740-323-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478156/740-323-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<td>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_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization expense for investment that generates income tax credit and other income tax benefit under tax credit program accounted for using proportional amortization method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478156/740-323-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478156/740-323-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of cash flows that includes amortization expense for investment that generates income tax credit and other income tax benefit under tax credit program accounted for using proportional amortization method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478156/740-323-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance 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_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of income or comprehensive income that includes amortization expense for investment that generates income tax credit and other income tax benefit under tax credit program accounted for using proportional amortization method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478156/740-323-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance 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_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of cash flows that includes income tax credit and other income tax benefit, before amortization expense, generated by investment under tax credit program elected to be accounted for using proportional amortization method. Includes, but is not limited to, investment under tax credit program not meeting condition for accounting under proportional amortization method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478156/740-323-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance 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_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of income or comprehensive income that includes income tax credit and other income tax benefit, before amortization expense, generated by investment under tax credit program elected to be accounted for using proportional amortization method. Includes, but is not limited to, investment under tax credit program not meeting condition for accounting under proportional amortization method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478156/740-323-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance 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_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of financial position that includes investment that generates income tax credit and other income tax benefit under tax credit program elected to be accounted for using proportional amortization method. Includes, but is not limited to, investment under tax credit program not meeting condition for accounting under proportional amortization method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478156/740-323-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</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_OtherInvestmentNotReadilyMarketableFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of the other investment not readily marketable determined by management based upon fair value methods, including pricing of similar securities and valuation techniques, that was used to record the investment for financial reporting purposes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 940<br> -SubTopic 820<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478119/940-820-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherInvestmentNotReadilyMarketableFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_QualifiedAffordableHousingProjectInvestmentsCommitment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of commitment and contingent commitment, including amount of delayed equity contribution, for investment that generates income tax credit and other income tax benefit under tax credit program elected to be accounted for using proportional amortization method. Includes, but is not limited to, commitment and contingent commitment related to investment under tax credit program not meeting condition for accounting under proportional amortization method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478156/740-323-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aaa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_TradingSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483467/210-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancialInstrumentAxis=us-gaap_EquitySecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_EquitySecuritiesMember</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>84
<FILENAME>R62.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692501421520">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">$ 2,042,473<span></span>
</td>
<td class="nump">$ 2,563,984<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gains</a></td>
<td class="nump">8,838<span></span>
</td>
<td class="nump">1,306<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Losses</a></td>
<td class="num">(118,085)<span></span>
</td>
<td class="num">(153,668)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">1,933,226<span></span>
</td>
<td class="nump">2,411,622<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">516,358<span></span>
</td>
<td class="nump">468,204<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gains</a></td>
<td class="nump">205<span></span>
</td>
<td class="nump">703<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Losses</a></td>
<td class="num">(73,235)<span></span>
</td>
<td class="num">(62,480)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">443,328<span></span>
</td>
<td class="nump">406,427<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">2,849<span></span>
</td>
<td class="nump">3,408<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gains</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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Losses</a></td>
<td class="num">(490)<span></span>
</td>
<td class="num">(279)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">2,359<span></span>
</td>
<td class="nump">3,129<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">948,009<span></span>
</td>
<td class="nump">1,645,609<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gains</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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Losses</a></td>
<td class="num">(32,265)<span></span>
</td>
<td class="num">(66,870)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">915,744<span></span>
</td>
<td class="nump">1,578,739<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">575,257<span></span>
</td>
<td class="nump">446,763<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gains</a></td>
<td class="nump">8,633<span></span>
</td>
<td class="nump">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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Losses</a></td>
<td class="num">(12,095)<span></span>
</td>
<td class="num">(24,039)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">$ 571,795<span></span>
</td>
<td class="nump">$ 423,327<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aaa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479130/326-30-45-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-9<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aaa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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=us-gaap_MortgageBackedSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<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_UtahHousingCorporationBondsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<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_USGovernmentSponsoredEnterprisesDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_OtherDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_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>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>85
<FILENAME>R63.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692498016640">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">$ (2,797)<span></span>
</td>
<td class="num">$ (2,752)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Estimated Fair Value</a></td>
<td class="nump">149,164<span></span>
</td>
<td class="nump">142,116<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(115,288)<span></span>
</td>
<td class="num">(150,916)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Estimated Fair Value</a></td>
<td class="nump">1,390,575<span></span>
</td>
<td class="nump">2,123,439<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(118,085)<span></span>
</td>
<td class="num">(153,668)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Estimated Fair Value</a></td>
<td class="nump">1,539,739<span></span>
</td>
<td class="nump">2,265,555<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(2,723)<span></span>
</td>
<td class="num">(531)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Estimated Fair Value</a></td>
<td class="nump">137,585<span></span>
</td>
<td class="nump">51,391<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(70,512)<span></span>
</td>
<td class="num">(61,949)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Estimated Fair Value</a></td>
<td class="nump">290,257<span></span>
</td>
<td class="nump">300,318<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(73,235)<span></span>
</td>
<td class="num">(62,480)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Estimated Fair Value</a></td>
<td class="nump">427,842<span></span>
</td>
<td class="nump">351,709<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="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="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(490)<span></span>
</td>
<td class="num">(279)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Estimated Fair Value</a></td>
<td class="nump">2,359<span></span>
</td>
<td class="nump">3,129<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(490)<span></span>
</td>
<td class="num">(279)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Estimated Fair Value</a></td>
<td class="nump">2,359<span></span>
</td>
<td class="nump">3,129<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="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="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(32,265)<span></span>
</td>
<td class="num">(66,870)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Estimated Fair Value</a></td>
<td class="nump">915,744<span></span>
</td>
<td class="nump">1,578,739<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(32,265)<span></span>
</td>
<td class="num">(66,870)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Estimated Fair Value</a></td>
<td class="nump">915,744<span></span>
</td>
<td class="nump">1,578,739<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(74)<span></span>
</td>
<td class="num">(2,221)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Estimated Fair Value</a></td>
<td class="nump">11,579<span></span>
</td>
<td class="nump">90,725<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(12,021)<span></span>
</td>
<td class="num">(21,818)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Estimated Fair Value</a></td>
<td class="nump">182,215<span></span>
</td>
<td class="nump">241,253<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Gross Unrealized Losses</a></td>
<td class="num">(12,095)<span></span>
</td>
<td class="num">(24,039)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Estimated Fair Value</a></td>
<td class="nump">$ 193,794<span></span>
</td>
<td class="nump">$ 331,978<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Available-For-Sale Securities, Unrealized Loss Position [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479081/326-30-55-8<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-7<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479081/326-30-55-8<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-7<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479081/326-30-55-8<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479106/326-30-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>86
<FILENAME>R64.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692505783312">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">$ 2,042,473<span></span>
</td>
<td class="nump">$ 2,563,984<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">1,933,226<span></span>
</td>
<td class="nump">$ 2,411,622<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2025Member', window );">2025</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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">299,816<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">298,648<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2026Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">549,175<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">520,793<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2027Member', window );">2027</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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">99,018<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">96,303<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2038Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">66<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">66<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2039Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">551<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">531<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2042Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">2,112<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">1,793<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2043Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">3,761<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">3,299<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2044Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">4,085<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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">3,651<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2045Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">4,518<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">3,919<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2046Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">6,953<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">5,965<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2047Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">6,704<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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">5,781<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2048Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">1,702<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">1,481<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2049Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">14,838<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">12,842<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2050Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">101,145<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">78,475<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2051Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">144,694<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">111,058<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2052Member', window );">2052</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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">58,268<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">50,497<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2053Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">297,695<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">294,197<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2054Member', window );">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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">142,209<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">135,800<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2055Member', window );">2055</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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">71,611<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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">70,409<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2056Member', window );">2056</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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">194,173<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">197,363<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="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2058Member', window );">2058</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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost</a></td>
<td class="nump">39,379<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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">$ 40,355<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aaa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_Maturity2025Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_Maturity2025Member</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_Maturity2026Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_Maturity2027Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_Maturity2027Member</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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2049Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=slm_Maturity2050Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_Maturity2050Member</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_Maturity2051Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_Maturity2052Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_Maturity2052Member</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_Maturity2053Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_Maturity2053Member</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_Maturity2054Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_Maturity2054Member</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_Maturity2055Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_Maturity2055Member</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_Maturity2056Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_Maturity2056Member</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_Maturity2058Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_Maturity2058Member</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>87
<FILENAME>R65.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692508508064">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Held for Investment -Narrative (Details)<br></strong></div></th>
<th class="th" colspan="1">9 Months Ended</th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Sep. 30, 2024 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>USD ($) </div>
<div>payment</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </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="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>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR', window );">Percent of private loans indexed to LIBOR or SOFR</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">23.00%<span></span>
</td>
<td class="nump">33.00%<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="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">5 years 7 months 6 days<span></span>
</td>
<td class="text">5 years<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="Show.showAR( this, 'defref_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan', window );">Maximum amount of forbearance granted</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">12 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="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">12 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="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="nump">12<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="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">12 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="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">5 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="Show.showAR( this, 'defref_slm_InterestRateReductionPercentage', window );">Interest rate reduction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.00%<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="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">90 days<span></span>
</td>
<td class="text">90 days<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="Show.showAR( this, 'defref_slm_LoansinNonaccrualStatus', window );">Loans in nonaccrual status</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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentageofLoansconcentratedinmajorstates', window );">Percentage of loans concentrated in major states</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">43.80%<span></span>
</td>
<td class="nump">43.50%<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="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="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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfNotesReceivable', window );">Gain (loss) on sale of financing receivable</a></td>
<td class="num">$ (8,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (4,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Ninety or more days delinquent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 142,000,000<span></span>
</td>
<td class="nump">151,000,000<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="Show.showAR( this, 'defref_slm_LoanspledgedtoBorrowerinCustody', window );">Loans pledged to borrower in custody</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,300,000,000<span></span>
</td>
<td class="nump">1,400,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-off</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 8,000,000<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">Ninety or more days delinquent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 45,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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">2 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="Show.showAR( this, 'defref_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus', window );">Interest rate offered to borrowers facing financial difficulty</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.00%<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="Show.showAR( this, 'defref_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration', window );">Interest rate offered to borrowers facing financial difficulty, duration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years<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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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">1 month<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="Show.showAR( this, 'defref_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus', window );">Interest rate offered to borrowers facing financial difficulty</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.00%<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="Show.showAR( this, 'defref_slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration', window );">Interest rate offered to borrowers facing financial difficulty, duration</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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Estimated weighted average life of student loans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Finance Receivable Transferred To Held For Sale [Line Items]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_FinancingReceivableIncrementsInWhichForbearanceIsGranted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Increments In Which Forbearance Is Granted</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Number Of Payments Required Between Forbearance Grants</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status, Duration</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration</td>
</tr>
<tr>
<td 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>instant</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Rate Reduction, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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_LoansinNonaccrualStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans in Nonaccrual Status</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans pledged to Borrower in Custody</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_PercentOfPrivateLoansIndexedToLIBOROrSOFR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent of Private Loans indexed to LIBOR Or SOFR</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of Aggregate Outstanding Loans Held For Investment</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of Loans concentrated in major states</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Period of Loans Past Due That Have Accrued Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (c)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of financing receivable 90 days or more past due and still accruing. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 80<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 16<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-16<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481326/860-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_CreditCardsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_MinimumMember</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>88
<FILENAME>R66.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692501289472">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans Held for Investment - Schedule of Allowance for Credit Losses and Recorded Investments in Loans (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_GainLossOnSalesOfLoansNet', window );">Gains on sales of loans, net</a></td>
<td class="nump">$ 254,928<span></span>
</td>
<td class="nump">$ 160,290<span></span>
</td>
<td class="nump">$ 327,750<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_FinancingReceivableSalePrincipal', window );">Loan principal</a></td>
<td class="nump">3,418<span></span>
</td>
<td class="nump">2,927<span></span>
</td>
<td class="nump">3,126<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="Show.showAR( this, 'defref_slm_FinancingReceivableSaleCapitalizedInterest', window );">Capitalized interest</a></td>
<td class="nump">274<span></span>
</td>
<td class="nump">226<span></span>
</td>
<td class="nump">217<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableSale', window );">Total Private Education Loans sold</a></td>
<td class="nump">3,692<span></span>
</td>
<td class="nump">3,153<span></span>
</td>
<td class="nump">3,343<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainLossOnSalesOfLoansNet', window );">Gains on sales of loans, net</a></td>
<td class="nump">$ 255<span></span>
</td>
<td class="nump">$ 164<span></span>
</td>
<td class="nump">$ 328<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableSaleCapitalizedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Sale, Capitalized Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableSaleCapitalizedInterest</td>
</tr>
<tr>
<td 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_FinancingReceivableSalePrincipal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Sale, Principal</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableSalePrincipal</td>
</tr>
<tr>
<td 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_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 40<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481628/310-20-40-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease in financing receivable from sale. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_GainLossOnSalesOfLoansNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13)(h))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSalesOfLoansNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_PrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>89
<FILENAME>R67.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692498803376">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses</a></td>
<td class="num">$ (1,435,920)<span></span>
</td>
<td class="num">$ (1,339,772)<span></span>
</td>
<td class="num">$ (1,357,075)<span></span>
</td>
<td class="num">$ (1,165,335)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment, net</a></td>
<td class="nump">20,902,158<span></span>
</td>
<td class="nump">20,306,357<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">22,235,008<span></span>
</td>
<td class="nump">21,025,844<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums', window );">Deferred origination costs and unamortized premium/ (discount)</a></td>
<td class="nump">103,070<span></span>
</td>
<td class="nump">81,554<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses</a></td>
<td class="num">(1,435,920)<span></span>
</td>
<td class="num">(1,335,105)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment, net</a></td>
<td class="nump">20,902,158<span></span>
</td>
<td class="nump">19,772,293<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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">17,093,382<span></span>
</td>
<td class="nump">13,985,791<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">5,141,626<span></span>
</td>
<td class="nump">7,040,053<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">537,401<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums', window );">Deferred origination costs and unamortized premium/ (discount)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,330<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(4,667)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment, net</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 534,064<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 40<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481628/310-20-40-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, after allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481598/310-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>90
<FILENAME>R68.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506751648">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance', window );">Average Balance</a></td>
<td class="nump">$ 21,534,883<span></span>
</td>
<td class="nump">$ 21,613,919<span></span>
</td>
<td class="nump">$ 21,238,931<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance', window );">Average Balance</a></td>
<td class="nump">$ 21,121,545<span></span>
</td>
<td class="nump">$ 21,039,701<span></span>
</td>
<td class="nump">$ 20,576,737<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="Show.showAR( this, 'defref_slm_WeightedAverageInterestRateonLoans', window );">Weighted Average Interest Rate</a></td>
<td class="nump">10.81%<span></span>
</td>
<td class="nump">10.86%<span></span>
</td>
<td class="nump">9.14%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance', window );">Average Balance</a></td>
<td class="nump">$ 413,338<span></span>
</td>
<td class="nump">$ 574,218<span></span>
</td>
<td class="nump">$ 662,194<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="Show.showAR( this, 'defref_slm_WeightedAverageInterestRateonLoans', window );">Weighted Average Interest Rate</a></td>
<td class="nump">7.45%<span></span>
</td>
<td class="nump">7.19%<span></span>
</td>
<td class="nump">4.62%<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Before Allowance For Credit Loss, Average Balance</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted Average Interest Rate on Loans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 40<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481628/310-20-40-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>91
<FILENAME>R69.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506175104">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_PercentageofLoansconcentratedinmajorstates', window );">Percentage of loans concentrated in major states</a></td>
<td class="nump">43.80%<span></span>
</td>
<td class="nump">43.50%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementGeographicalAxis=stpr_CA', window );">California</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="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="Show.showAR( this, 'defref_slm_PercentageofLoansheldinstate', window );">Percentage of loans held in state</a></td>
<td class="nump">10.20%<span></span>
</td>
<td class="nump">10.10%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementGeographicalAxis=stpr_NY', window );">New York</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="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="Show.showAR( this, 'defref_slm_PercentageofLoansheldinstate', window );">Percentage of loans held in state</a></td>
<td class="nump">9.00%<span></span>
</td>
<td class="nump">9.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_slm_PercentageofLoansheldinstate', window );">Percentage of loans held in state</a></td>
<td class="nump">7.10%<span></span>
</td>
<td class="nump">7.20%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_PercentageofLoansheldinstate', window );">Percentage of loans held in state</a></td>
<td class="nump">6.60%<span></span>
</td>
<td class="nump">6.30%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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">5.60%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatementGeographicalAxis=stpr_FL', window );">Florida</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="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="Show.showAR( this, 'defref_slm_PercentageofLoansheldinstate', window );">Percentage of loans held in state</a></td>
<td class="nump">5.30%<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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>
</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_PercentageofLoansconcentratedinmajorstates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of Loans concentrated in major states</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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_PercentageofLoansheldinstate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of Loans held in state</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1: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_srt_StatementGeographicalAxis=stpr_CA">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_StatementGeographicalAxis=stpr_NY">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_StatementGeographicalAxis=stpr_PA">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_StatementGeographicalAxis=stpr_TX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div></td></tr>
</table>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_StatementGeographicalAxis=stpr_FL">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FL</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>92
<FILENAME>R70.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692503596576">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses and Unfunded Loan Commitments - Allowance and Recorded Investments in Loans (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</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="Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance For Credit Losses [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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses, beginning balance</a></td>
<td class="nump">$ 1,339,772<span></span>
</td>
<td class="nump">$ 1,357,075<span></span>
</td>
<td class="nump">$ 1,165,335<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="Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments', window );">Transfer from allowance for unfunded loan commitments</a></td>
<td class="nump">311,787<span></span>
</td>
<td class="nump">320,237<span></span>
</td>
<td class="nump">344,310<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal', window );">Provision for current period</a></td>
<td class="nump">361,077<span></span>
</td>
<td class="nump">242,571<span></span>
</td>
<td class="nump">413,535<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold', window );">Loan sale reduction to provision</a></td>
<td class="num">(235,955)<span></span>
</td>
<td class="num">(205,383)<span></span>
</td>
<td class="num">(174,231)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal', 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="num">(2,372)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery', window );">Total provisions</a></td>
<td class="nump">125,122<span></span>
</td>
<td class="nump">37,188<span></span>
</td>
<td class="nump">236,932<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff', window );">Charge-offs</a></td>
<td class="num">(377,220)<span></span>
</td>
<td class="num">(421,096)<span></span>
</td>
<td class="num">(431,244)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery', window );">Recoveries</a></td>
<td class="nump">44,756<span></span>
</td>
<td class="nump">46,368<span></span>
</td>
<td class="nump">41,742<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery', window );">Net charge-offs</a></td>
<td class="num">(332,464)<span></span>
</td>
<td class="num">(374,728)<span></span>
</td>
<td class="num">(389,502)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale', window );">Write-downs arising from transfer of loans to held for sale</a></td>
<td class="num">(8,297)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses, ending balance</a></td>
<td class="nump">1,435,920<span></span>
</td>
<td class="nump">1,339,772<span></span>
</td>
<td class="nump">1,357,075<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Beginning balance</a></td>
<td class="nump">112,962<span></span>
</td>
<td class="nump">124,924<span></span>
</td>
<td class="nump">72,713<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal', window );">Provision</a></td>
<td class="nump">283,393<span></span>
</td>
<td class="nump">308,275<span></span>
</td>
<td class="nump">396,521<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="Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityWriteoff', window );">Transfer to allowance for loan losses</a></td>
<td class="num">(311,787)<span></span>
</td>
<td class="num">(320,237)<span></span>
</td>
<td class="num">(344,310)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Ending balance</a></td>
<td class="nump">84,568<span></span>
</td>
<td class="nump">112,962<span></span>
</td>
<td class="nump">124,924<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="Show.showAR( this, 'defref_slm_AllowanceForCreditLossExcludingAccruedInterest', window );">Total allowance for credit losses, ending balance</a></td>
<td class="nump">1,520,488<span></span>
</td>
<td class="nump">1,452,734<span></span>
</td>
<td class="nump">1,481,999<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_AccruedInterestToBeCapitalizedAbstract', window );"><strong>Accrued interest to be capitalized</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="Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Unfunded loan commitments</a></td>
<td class="nump">2,311,660<span></span>
</td>
<td class="nump">2,221,077<span></span>
</td>
<td class="nump">1,995,808<span></span>
</td>
<td class="nump">$ 1,776,976<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestReceivable', window );">Accrued interest receivable</a></td>
<td class="nump">1,546,590<span></span>
</td>
<td class="nump">1,379,904<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="Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts', window );">Other impacts to the provisions for credit losses:</a></td>
<td class="nump">4,010<span></span>
</td>
<td class="nump">2,224<span></span>
</td>
<td class="nump">909<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="Show.showAR( this, 'defref_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal', window );">Provisions for credit losses</a></td>
<td class="nump">408,515<span></span>
</td>
<td class="nump">345,463<span></span>
</td>
<td class="nump">633,453<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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance For Credit Losses [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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses, beginning balance</a></td>
<td class="nump">4,667<span></span>
</td>
<td class="nump">3,444<span></span>
</td>
<td class="nump">4,077<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="Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments', window );">Transfer from allowance for unfunded loan commitments</a></td>
<td class="nump">0<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal', window );">Provision for current period</a></td>
<td class="nump">4,010<span></span>
</td>
<td class="nump">2,224<span></span>
</td>
<td class="num">(20)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold', window );">Loan sale reduction to provision</a></td>
<td class="nump">0<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal', 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="nump">0<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery', window );">Total provisions</a></td>
<td class="nump">4,010<span></span>
</td>
<td class="nump">2,224<span></span>
</td>
<td class="num">(20)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff', window );">Charge-offs</a></td>
<td class="num">(380)<span></span>
</td>
<td class="num">(1,001)<span></span>
</td>
<td class="num">(613)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery', window );">Recoveries</a></td>
<td class="nump">0<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery', window );">Net charge-offs</a></td>
<td class="num">(380)<span></span>
</td>
<td class="num">(1,001)<span></span>
</td>
<td class="num">(613)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale', window );">Write-downs arising from transfer of loans to held for sale</a></td>
<td class="num">(8,297)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses, ending balance</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">4,667<span></span>
</td>
<td class="nump">3,444<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Beginning balance</a></td>
<td class="nump">0<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="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal', window );">Provision</a></td>
<td class="nump">0<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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityWriteoff', window );">Transfer to allowance for loan losses</a></td>
<td class="nump">0<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="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Ending balance</a></td>
<td class="nump">0<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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_AllowanceForCreditLossExcludingAccruedInterest', window );">Total allowance for credit losses, ending balance</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 4,667<span></span>
</td>
<td class="nump">$ 3,444<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_AccruedInterestToBeCapitalizedAbstract', window );"><strong>Accrued interest to be capitalized</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="Show.showAR( this, 'defref_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment', window );">Net charge-offs as a percentage of average loans in repayment</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.23%<span></span>
</td>
<td class="nump">0.12%<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="Show.showAR( this, 'defref_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs', window );">Allowance for loan losses coverage of net charge-offs</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">4.66<span></span>
</td>
<td class="nump">5.62<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="Show.showAR( this, 'defref_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest', window );">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest receivable</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.87%<span></span>
</td>
<td class="nump">0.57%<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="Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsEndingLoans', window );">Ending total loans, gross</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 537,401<span></span>
</td>
<td class="nump">$ 609,050<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="Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment', window );">Average loans in repayment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">433,225<span></span>
</td>
<td class="nump">517,139<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="Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment', window );">Ending loans in repayment</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">406,568<span></span>
</td>
<td class="nump">453,915<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Unfunded loan commitments</a></td>
<td class="nump">0<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="Show.showAR( this, 'defref_us-gaap_InterestReceivable', window );">Accrued interest receivable</a></td>
<td class="nump">0<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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts', window );">Other impacts to the provisions for credit losses:</a></td>
<td class="nump">4,010<span></span>
</td>
<td class="nump">2,224<span></span>
</td>
<td class="num">(20)<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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance For Credit Losses [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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses, beginning balance</a></td>
<td class="nump">1,335,105<span></span>
</td>
<td class="nump">1,353,631<span></span>
</td>
<td class="nump">1,158,977<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="Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments', window );">Transfer from allowance for unfunded loan commitments</a></td>
<td class="nump">311,787<span></span>
</td>
<td class="nump">320,237<span></span>
</td>
<td class="nump">344,310<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal', window );">Provision for current period</a></td>
<td class="nump">357,067<span></span>
</td>
<td class="nump">240,347<span></span>
</td>
<td class="nump">410,254<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold', window );">Loan sale reduction to provision</a></td>
<td class="num">(235,955)<span></span>
</td>
<td class="num">(205,383)<span></span>
</td>
<td class="num">(174,231)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal', 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="nump">0<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery', window );">Total provisions</a></td>
<td class="nump">121,112<span></span>
</td>
<td class="nump">34,964<span></span>
</td>
<td class="nump">236,023<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff', window );">Charge-offs</a></td>
<td class="num">(376,840)<span></span>
</td>
<td class="num">(420,095)<span></span>
</td>
<td class="num">(427,416)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery', window );">Recoveries</a></td>
<td class="nump">44,756<span></span>
</td>
<td class="nump">46,368<span></span>
</td>
<td class="nump">41,737<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery', window );">Net charge-offs</a></td>
<td class="num">(332,084)<span></span>
</td>
<td class="num">(373,727)<span></span>
</td>
<td class="num">(385,679)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale', window );">Write-downs arising from transfer of loans to held for sale</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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses, ending balance</a></td>
<td class="nump">1,435,920<span></span>
</td>
<td class="nump">1,335,105<span></span>
</td>
<td class="nump">1,353,631<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Beginning balance</a></td>
<td class="nump">112,962<span></span>
</td>
<td class="nump">124,924<span></span>
</td>
<td class="nump">72,713<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal', window );">Provision</a></td>
<td class="nump">283,393<span></span>
</td>
<td class="nump">308,275<span></span>
</td>
<td class="nump">396,521<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="Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityWriteoff', window );">Transfer to allowance for loan losses</a></td>
<td class="num">(311,787)<span></span>
</td>
<td class="num">(320,237)<span></span>
</td>
<td class="num">(344,310)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Ending balance</a></td>
<td class="nump">84,568<span></span>
</td>
<td class="nump">112,962<span></span>
</td>
<td class="nump">124,924<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="Show.showAR( this, 'defref_slm_AllowanceForCreditLossExcludingAccruedInterest', window );">Total allowance for credit losses, ending balance</a></td>
<td class="nump">$ 1,520,488<span></span>
</td>
<td class="nump">$ 1,448,067<span></span>
</td>
<td class="nump">$ 1,478,555<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_AccruedInterestToBeCapitalizedAbstract', window );"><strong>Accrued interest to be capitalized</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="Show.showAR( this, 'defref_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment', window );">Net charge-offs as a percentage of average loans in repayment</a></td>
<td class="nump">2.19%<span></span>
</td>
<td class="nump">2.44%<span></span>
</td>
<td class="nump">2.55%<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="Show.showAR( this, 'defref_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs', window );">Allowance for loan losses coverage of net charge-offs</a></td>
<td class="nump">4.32<span></span>
</td>
<td class="nump">3.57<span></span>
</td>
<td class="nump">3.51<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="Show.showAR( this, 'defref_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest', window );">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest receivable</a></td>
<td class="nump">5.83%<span></span>
</td>
<td class="nump">5.89%<span></span>
</td>
<td class="nump">6.30%<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="Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsEndingLoans', window );">Ending total loans, gross</a></td>
<td class="nump">$ 22,235,008<span></span>
</td>
<td class="nump">$ 21,025,844<span></span>
</td>
<td class="nump">$ 20,303,688<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="Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment', window );">Average loans in repayment</a></td>
<td class="nump">15,139,184<span></span>
</td>
<td class="nump">15,310,934<span></span>
</td>
<td class="nump">15,103,123<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="Show.showAR( this, 'defref_slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment', window );">Ending loans in repayment</a></td>
<td class="nump">16,106,751<span></span>
</td>
<td class="nump">15,409,814<span></span>
</td>
<td class="nump">15,129,550<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Unfunded loan commitments</a></td>
<td class="nump">2,311,660<span></span>
</td>
<td class="nump">2,221,077<span></span>
</td>
<td class="nump">1,995,808<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestReceivable', window );">Accrued interest receivable</a></td>
<td class="nump">1,549,415<span></span>
</td>
<td class="nump">1,354,565<span></span>
</td>
<td class="nump">1,177,562<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="Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalNewCommitments', window );">Provisions for loan losses</a></td>
<td class="nump">121,112<span></span>
</td>
<td class="nump">34,964<span></span>
</td>
<td class="nump">236,023<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="Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments', window );">Provisions for unfunded loan commitments</a></td>
<td class="nump">283,393<span></span>
</td>
<td class="nump">308,275<span></span>
</td>
<td class="nump">396,521<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="Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalCommitments', window );">Total Private Education Loan provisions for credit losses</a></td>
<td class="nump">404,505<span></span>
</td>
<td class="nump">343,239<span></span>
</td>
<td class="nump">632,544<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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_AllowanceForCreditLossesAbstract', window );"><strong>Allowance For Credit Losses [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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses, beginning balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,281<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="Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments', window );">Transfer from allowance for unfunded loan commitments</a></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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal', window );">Provision for current period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,301<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold', window );">Loan sale reduction to provision</a></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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal', 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="num">(2,372)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery', window );">Total provisions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">929<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff', window );">Charge-offs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(3,215)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery', window );">Recoveries</a></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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery', window );">Net charge-offs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(3,210)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses, 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>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Beginning balance</a></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="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal', window );">Provision</a></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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityWriteoff', window );">Transfer to allowance for loan losses</a></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="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">0<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="Show.showAR( this, 'defref_slm_AllowanceForCreditLossExcludingAccruedInterest', window );">Total allowance for credit losses, 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>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_AccruedInterestToBeCapitalizedAbstract', window );"><strong>Accrued interest to be capitalized</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="Show.showAR( this, 'defref_slm_ChargeOffsAsPercentageOfAverageLoansInRepayment', window );">Net charge-offs as a percentage of average loans in repayment</a></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="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="Show.showAR( this, 'defref_slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs', window );">Allowance for loan losses coverage of net charge-offs</a></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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest', window );">Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest receivable</a></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="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="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="nump">$ 0<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="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="nump">0<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="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="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="Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Unfunded loan commitments</a></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="Show.showAR( this, 'defref_us-gaap_InterestReceivable', window );">Accrued interest receivable</a></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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts', window );">Other impacts to the provisions for credit losses:</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 929<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_AccruedInterestToBeCapitalizedAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accrued Interest to be Capitalized</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AccruedInterestToBeCapitalizedAbstract</td>
</tr>
<tr>
<td 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_AllowanceAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allowance.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allowance As Percentage Of Ending Loan Balance And Accrued Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest</td>
</tr>
<tr>
<td 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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allowance coverage of charge offs average loans in repayment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allowance coverage of charge-offs ending total loans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allowance coverage of charge-offs Ending loans in repayment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_AllowanceForCreditLossExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allowance for Credit Loss, Excluding Accrued Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AllowanceForCreditLossExcludingAccruedInterest</td>
</tr>
<tr>
<td 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_AllowanceForCreditLossesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Charge offs as percentage of average loans in repayment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance For Credit Loss, Excluding Accrued Interest, Period Increase (Decrease) Before Write-Off (Recovery)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery</td>
</tr>
<tr>
<td 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_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable And Off-Balance Sheet, Excluding Accrued Interest, Credit Loss, Expense (Reversal)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal</td>
</tr>
<tr>
<td 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_FinancingReceivableCreditLossExpenseReversalCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Credit Loss, Expense (Reversal), Commitments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableCreditLossExpenseReversalCommitments</td>
</tr>
<tr>
<td 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_FinancingReceivableCreditLossExpenseReversalExistingCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Credit Loss, Expense (Reversal), Existing Commitments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments</td>
</tr>
<tr>
<td 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_FinancingReceivableCreditLossExpenseReversalNewCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Credit Loss, Expense (Reversal), New Commitments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableCreditLossExpenseReversalNewCommitments</td>
</tr>
<tr>
<td 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_FinancingReceivableCreditLossExpenseReversalOtherImpacts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Credit Loss, Expense (Reversal), Other Impacts</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts</td>
</tr>
<tr>
<td 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_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_slm_OffBalanceSheetCreditLossLiabilityWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Off-Balance Sheet, Credit Loss, Liability, Writeoff</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FairValueDisclosureOffbalanceSheetRisksAmountLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from sale of loan. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of decrease (increase) in allowance for credit loss on financing receivable from writeoff (recovery). Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of credit loss expense (reversal of expense) on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of financing receivable reclassified to held-for-sale. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of reversal of credit loss expense on financing receivable transferred out of held-for-investment into held-for-sale classification. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 948<br> -SubTopic 310<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477011/948-310-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_InterestReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 310<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477802/946-310-45-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(3)(a)(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_OffBalanceSheetCreditLossLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 460<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482454/460-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_PrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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=slm_CreditCardsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>93
<FILENAME>R71.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692505783312">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses and Unfunded Loan Commitments - Narrative (Details)<br></strong></div></th>
<th class="th" colspan="1">3 Months Ended</th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>USD ($) </div>
<div>payment</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal', window );">Expense (reversal) financial receivable and off-balance sheet</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 409,000,000<span></span>
</td>
<td class="nump">$ 345,000,000<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold', window );">Financing receivable, excluding accrued interest, allowance for credit loss, loan sold</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 235,955,000<span></span>
</td>
<td class="nump">205,383,000<span></span>
</td>
<td class="nump">$ 174,231,000<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="Show.showAR( this, 'defref_slm_CriteriaForLoansToBeConsideredAsNonperforming', window );">Criteria for loans to be considered as nonperforming (greater than)</a></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>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan', window );">Maximum amount of forbearance granted</a></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>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants', window );">Number of monthly payments required by a borrower between successive grants of forbearance | payment</a></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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,001,410,000<span></span>
</td>
<td class="nump">373,683,000<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="Show.showAR( this, 'defref_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount', window );">Amortization cost basis</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 40,400,000<span></span>
</td>
<td class="nump">$ 8,400,000<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="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">90 days<span></span>
</td>
<td class="text">90 days<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="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="nump">$ 25<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember', 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>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">826,007,000<span></span>
</td>
<td class="nump">$ 334,967,000<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember', 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>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">77,446,000<span></span>
</td>
<td class="nump">17,205,000<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember', 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>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">43,484,000<span></span>
</td>
<td class="nump">7,689,000<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', 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>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">54,473,000<span></span>
</td>
<td class="nump">13,822,000<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Extended Maturity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated', window );">Financing Receivable, excluding accrued interest, modified, accumulated</a></td>
<td class="nump">$ 7,300,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7,300,000<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent', window );">Financing receivable, excluding accrued interest, modified in period, to total financing receivables, percentage</a></td>
<td class="nump">0.03%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification', window );">Financing receivable, modified, weighted average term increase for modification</a></td>
<td class="text">6 years 8 months 12 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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Financing receivable, modified, accumulated</a></td>
<td class="nump">$ 2,500,000<span></span>
</td>
<td class="nump">2,000,000.0<span></span>
</td>
<td class="nump">2,500,000<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">$ 600,000<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Extended Maturity | 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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated', window );">Financing Receivable, excluding accrued interest, modified, accumulated</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,000,000.0<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Extended Maturity | 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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated', window );">Financing Receivable, excluding accrued interest, modified, accumulated</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">600,000<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Extended Maturity | 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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated', window );">Financing Receivable, excluding accrued interest, modified, accumulated</a></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>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Extended Maturity | 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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated', window );">Financing Receivable, excluding accrued interest, modified, accumulated</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">300,000<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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold', window );">Financing receivable, excluding accrued interest, allowance for credit loss, loan sold</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">235,955,000<span></span>
</td>
<td class="nump">205,383,000<span></span>
</td>
<td class="nump">174,231,000<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="Show.showAR( this, 'defref_slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold', window );">Loans sold</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,690,000,000<span></span>
</td>
<td class="nump">3,150,000,000<span></span>
</td>
<td class="nump">3,340,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,035,055,000<span></span>
</td>
<td class="nump">380,526,000<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="Show.showAR( this, 'defref_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount', window );">Amortization cost basis</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 40,400,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable', window );">Threshold period when delinquent loans are written off</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">120 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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold', window );">Financing receivable, excluding accrued interest, allowance for credit loss, loan sold</a></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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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">2 months<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="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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">1 month<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Criteria for loans to be considered as nonperforming.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable And Off-Balance Sheet, Excluding Accrued Interest, Before Allowance For Credit Loss, Loan Sold</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold</td>
</tr>
<tr>
<td 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_FinancingReceivableIncrementsInWhichForbearanceIsGranted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Increments In Which Forbearance Is Granted</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Modified in Period, Subsequently Charged Off, Amount</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount</td>
</tr>
<tr>
<td 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_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Number Of Monthly Payments Required Between Forbearance Grants</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants</td>
</tr>
<tr>
<td 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_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_PeriodofLoansPastDueThatHaveAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Period of Loans Past Due That Have Accrued Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Threshold Period Past Due For Write-off Of Financing Receivable</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable</td>
</tr>
<tr>
<td 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tier One of Government Guarantee</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from sale of loan. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestModifiedAccumulated">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accumulated amortized cost excluding accrued interest, of financing receivable modified for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage, excluding accrued interest, of financing receivable modified during period for debtor experiencing financial difficulty to total financing receivables.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent</td>
</tr>
<tr>
<td style="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_FinancingReceivableModificationsPostModificationRecordedInvestment2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of financing receivable modified during period for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 33<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accumulated amortized cost of financing receivable modified for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 33<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481746/310-40-50-4<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Period of increase in weighted average maturity of financing receivable modified for debtor experiencing financial difficulty, 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification</td>
</tr>
<tr>
<td style="padding-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_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_MinimumMember</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>94
<FILENAME>R72.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692502830848">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses and Unfunded Loan Commitments - Amortized Cost Basis of Financing Receivables with Loan Modifications (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_InterestRateBelowMarketReductionMember', window );">Interest Rate Reduction</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="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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost', window );">Loans</a></td>
<td class="nump">$ 31,966<span></span>
</td>
<td class="nump">$ 48,637<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="Show.showAR( this, 'defref_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage', window );">% of Total Class of Financing Receivable</a></td>
<td class="nump">0.13%<span></span>
</td>
<td class="nump">0.22%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=slm_InterestRateReductionAndTermExtensionMember', window );">Combination - Interest Rate Reduction and Term Extension</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="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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost', window );">Loans</a></td>
<td class="nump">$ 1,003,089<span></span>
</td>
<td class="nump">$ 331,889<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="Show.showAR( this, 'defref_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage', window );">% of Total Class of Financing Receivable</a></td>
<td class="nump">4.20%<span></span>
</td>
<td class="nump">1.48%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Interest Rate Reduction</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="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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost', window );">Loans</a></td>
<td class="nump">$ 31,966<span></span>
</td>
<td class="nump">$ 48,637<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="Show.showAR( this, 'defref_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage', window );">% of Total Class of Financing Receivable</a></td>
<td class="nump">0.13%<span></span>
</td>
<td class="nump">0.22%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Interest Rate Reduction | Minimum</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="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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableChangeInContractualRate', window );">Average contractual rate</a></td>
<td class="nump">3.79%<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Interest Rate Reduction | Maximum</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="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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableChangeInContractualRate', window );">Average contractual rate</a></td>
<td class="nump">13.22%<span></span>
</td>
<td class="nump">13.37%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Combination - Interest Rate Reduction and Term Extension</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="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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost', window );">Loans</a></td>
<td class="nump">$ 1,003,089<span></span>
</td>
<td class="nump">$ 331,889<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="Show.showAR( this, 'defref_slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage', window );">% of Total Class of Financing Receivable</a></td>
<td class="nump">4.20%<span></span>
</td>
<td class="nump">1.48%<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="Show.showAR( this, 'defref_slm_WeightedAverageLifeOfLoans', window );">Weighted average life of loans</a></td>
<td class="text">9 years 2 months 23 days<span></span>
</td>
<td class="text">10 years 2 months 12 days<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Combination - Interest Rate Reduction and Term Extension | Minimum</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="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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableChangeInContractualRate', window );">Average contractual rate</a></td>
<td class="nump">3.66%<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Combination - Interest Rate Reduction and Term Extension | Maximum</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="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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_FinancingReceivableChangeInContractualRate', window );">Average contractual rate</a></td>
<td class="nump">12.71%<span></span>
</td>
<td class="nump">12.92%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_FinancingReceivableChangeInContractualRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Change in Contractual Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableChangeInContractualRate</td>
</tr>
<tr>
<td 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-types1: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_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Excluding Accrued Interest, Before Allowance For Credit Losses, Loan Modifications, Amortized Cost</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost</td>
</tr>
<tr>
<td 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_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loan Modifications Made to Borrowers Experiencing Financial Difficulty, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage</td>
</tr>
<tr>
<td 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-types1: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_WeightedAverageLifeOfLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted Average Life of Loans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_WeightedAverageLifeOfLoans</td>
</tr>
<tr>
<td 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_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 40<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481628/310-20-40-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_LoanRestructuringModificationAxis=us-gaap_InterestRateBelowMarketReductionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_LoanRestructuringModificationAxis=us-gaap_InterestRateBelowMarketReductionMember</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_LoanRestructuringModificationAxis=slm_InterestRateReductionAndTermExtensionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_LoanRestructuringModificationAxis=slm_InterestRateReductionAndTermExtensionMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_MinimumMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>95
<FILENAME>R73.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692499617392">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses and Unfunded Loan Commitments - Financing Receivable, Modified, Subsequent Default (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">$ 1,001,410<span></span>
</td>
<td class="nump">$ 373,683<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">1,035,055<span></span>
</td>
<td class="nump">380,526<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | 60 Days or Greater Past Due</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">149,760<span></span>
</td>
<td class="nump">30,862<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1', window );">Period-end Amortized Cost Basis</a></td>
<td class="nump">118,928<span></span>
</td>
<td class="nump">28,972<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Interest Rate Reduction</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">6,460<span></span>
</td>
<td class="nump">4,521<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1', window );">Period-end Amortized Cost Basis</a></td>
<td class="nump">4,621<span></span>
</td>
<td class="nump">4,174<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | Combination - Interest Rate Reduction and Term Extension</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">143,300<span></span>
</td>
<td class="nump">26,341<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1', window );">Period-end Amortized Cost Basis</a></td>
<td class="nump">$ 114,307<span></span>
</td>
<td class="nump">$ 24,798<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 40<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481628/310-20-40-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableModificationsPostModificationRecordedInvestment2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of financing receivable modified during period for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 33<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</table>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of financing receivable with payment default in current period and modified within previous 12 months preceding payment default for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 34<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-34<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 44<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-44<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FinancingReceivablesPeriodPastDueAxis=slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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=slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember</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_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember</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_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember</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>96
<FILENAME>R74.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692499795056">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses and Unfunded Loan Commitments - Payment Status (Amortized Cost Basis) (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">$ 1,001,410<span></span>
</td>
<td class="nump">$ 373,683<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent', window );">Financing receivable, modified in period, to total financing receivables, percentage</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<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="Show.showAR( this, 'defref_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount', window );">Amortization cost basis</a></td>
<td class="nump">$ 40,400<span></span>
</td>
<td class="nump">$ 8,400<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=slm_LoanDefermentMember', window );">Loan Deferment</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="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">33,645<span></span>
</td>
<td class="nump">6,843<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember', window );">Current</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">$ 826,007<span></span>
</td>
<td class="nump">$ 334,967<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent', window );">Financing receivable, modified in period, to total financing receivables, percentage</a></td>
<td class="nump">83.00%<span></span>
</td>
<td class="nump">90.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables30To59DaysPastDueMember', window );">30-59 Days Past Due</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">$ 77,446<span></span>
</td>
<td class="nump">$ 17,205<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent', window );">Financing receivable, modified in period, to total financing receivables, percentage</a></td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivables60To89DaysPastDueMember', window );">60-89 Days Past Due</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">$ 43,484<span></span>
</td>
<td class="nump">$ 7,689<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent', window );">Financing receivable, modified in period, to total financing receivables, percentage</a></td>
<td class="nump">4.00%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90 Days or Greater Past Due</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">$ 54,473<span></span>
</td>
<td class="nump">$ 13,822<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent', window );">Financing receivable, modified in period, to total financing receivables, percentage</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="nump">4.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Financing receivable, ,modified in period, amount</a></td>
<td class="nump">$ 1,035,055<span></span>
</td>
<td class="nump">$ 380,526<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="Show.showAR( this, 'defref_slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount', window );">Amortization cost basis</a></td>
<td class="nump">$ 40,400<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_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Modified in Period, Subsequently Charged Off, Amount</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount</td>
</tr>
<tr>
<td 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_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 40<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481628/310-20-40-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableModificationToTotalFinancingReceivablesPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of financing receivable modified during period for debtor experiencing financial difficulty to total financing receivables.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent</td>
</tr>
<tr>
<td style="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_FinancingReceivableModificationsPostModificationRecordedInvestment2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of financing receivable modified during period for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 33<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=slm_LoanDefermentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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=slm_LoanDefermentMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis=slm_PrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>97
<FILENAME>R75.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692508096096">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Allowance for Credit Losses and Unfunded Loan Commitments - Age Analysis of Past Due Loans Delinquencies (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Private Education Loans allowance for losses</a></td>
<td class="num">$ (1,435,920)<span></span>
</td>
<td class="num">$ (1,339,772)<span></span>
</td>
<td class="num">$ (1,357,075)<span></span>
</td>
<td class="num">$ (1,165,335)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Private Education Loans, net</a></td>
<td class="nump">$ 20,902,158<span></span>
</td>
<td class="nump">$ 20,306,357<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="Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear', window );">Percentage of Private Education Loans in repayment, Year 1</a></td>
<td class="nump">56.50%<span></span>
</td>
<td class="nump">55.60%<span></span>
</td>
<td class="nump">56.90%<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="Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Percentage of Private Education Loans in repayment, Year 2</a></td>
<td class="nump">63.50%<span></span>
</td>
<td class="nump">65.30%<span></span>
</td>
<td class="nump">67.10%<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="Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear', window );">Percentage of Private Education Loans in repayment, Year 3</a></td>
<td class="nump">73.70%<span></span>
</td>
<td class="nump">75.20%<span></span>
</td>
<td class="nump">76.10%<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="Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear', window );">Percentage of Private Education Loans in repayment, Year 4</a></td>
<td class="nump">80.30%<span></span>
</td>
<td class="nump">81.10%<span></span>
</td>
<td class="nump">80.70%<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="Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear', window );">Percentage of Private Education Loans in repayment, Year 5</a></td>
<td class="nump">84.30%<span></span>
</td>
<td class="nump">85.00%<span></span>
</td>
<td class="nump">84.50%<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="Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Percentage of Private Education Loans in repayment, Year 6</a></td>
<td class="nump">89.70%<span></span>
</td>
<td class="nump">89.30%<span></span>
</td>
<td class="nump">89.30%<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="Show.showAR( this, 'defref_slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss', window );">Percentage of Private Education Loans in repayment</a></td>
<td class="nump">72.40%<span></span>
</td>
<td class="nump">73.30%<span></span>
</td>
<td class="nump">74.50%<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="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">0.70%<span></span>
</td>
<td class="nump">1.00%<span></span>
</td>
<td class="nump">0.90%<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="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">2.00%<span></span>
</td>
<td class="nump">2.10%<span></span>
</td>
<td class="nump">1.90%<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="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">3.80%<span></span>
</td>
<td class="nump">3.60%<span></span>
</td>
<td class="nump">3.10%<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="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">4.30%<span></span>
</td>
<td class="nump">4.10%<span></span>
</td>
<td class="nump">4.00%<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="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">4.40%<span></span>
</td>
<td class="nump">4.50%<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="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">6.30%<span></span>
</td>
<td class="nump">6.80%<span></span>
</td>
<td class="nump">6.50%<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="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">3.70%<span></span>
</td>
<td class="nump">3.90%<span></span>
</td>
<td class="nump">3.80%<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="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">0.70%<span></span>
</td>
<td class="nump">0.80%<span></span>
</td>
<td class="nump">0.70%<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="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">3.60%<span></span>
</td>
<td class="nump">2.70%<span></span>
</td>
<td class="nump">2.10%<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="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">3.60%<span></span>
</td>
<td class="nump">2.60%<span></span>
</td>
<td class="nump">1.90%<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="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">3.10%<span></span>
</td>
<td class="nump">2.30%<span></span>
</td>
<td class="nump">2.10%<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="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">2.70%<span></span>
</td>
<td class="nump">2.20%<span></span>
</td>
<td class="nump">2.20%<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="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">1.80%<span></span>
</td>
<td class="nump">1.90%<span></span>
</td>
<td class="nump">2.00%<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="Show.showAR( this, 'defref_slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance', window );">Loans in forbearance as a percentage of loans in repayment and forbearance</a></td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">2.10%<span></span>
</td>
<td class="nump">1.80%<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="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="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="Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedInCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 1</a></td>
<td class="nump">$ 2,840,129<span></span>
</td>
<td class="nump">$ 2,494,814<span></span>
</td>
<td class="nump">$ 2,432,838<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="Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Total Private Education Loans in forbearance, Year 2</a></td>
<td class="nump">3,379,077<span></span>
</td>
<td class="nump">3,323,327<span></span>
</td>
<td class="nump">3,049,477<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="Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 3</a></td>
<td class="nump">2,348,504<span></span>
</td>
<td class="nump">2,209,734<span></span>
</td>
<td class="nump">1,967,756<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="Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 4</a></td>
<td class="nump">1,661,502<span></span>
</td>
<td class="nump">1,475,858<span></span>
</td>
<td class="nump">1,754,219<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="Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 5</a></td>
<td class="nump">1,158,044<span></span>
</td>
<td class="nump">1,386,889<span></span>
</td>
<td class="nump">1,365,979<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="Show.showAR( this, 'defref_slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 6</a></td>
<td class="nump">4,719,495<span></span>
</td>
<td class="nump">4,519,192<span></span>
</td>
<td class="nump">4,559,281<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="Show.showAR( this, 'defref_slm_LoansInRepaymentBeforeAllowanceForCreditLoss', window );">Private Education Loans in forbearance, total</a></td>
<td class="nump">16,106,751<span></span>
</td>
<td class="nump">15,409,814<span></span>
</td>
<td class="nump">15,129,550<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="Show.showAR( this, 'defref_slm_LoansGrossOriginatedInCurrentFiscalYear', window );">Total Private Education Loans, gross, Year 1</a></td>
<td class="nump">5,024,592<span></span>
</td>
<td class="nump">4,490,119<span></span>
</td>
<td class="nump">4,276,533<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="Show.showAR( this, 'defref_slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Total Private Education Loans, gross, Year 2</a></td>
<td class="nump">5,321,510<span></span>
</td>
<td class="nump">5,088,739<span></span>
</td>
<td class="nump">4,547,159<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="Show.showAR( this, 'defref_slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, gross, Year 3</a></td>
<td class="nump">3,185,247<span></span>
</td>
<td class="nump">2,937,422<span></span>
</td>
<td class="nump">2,584,622<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="Show.showAR( this, 'defref_slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, gross, Year 4</a></td>
<td class="nump">2,069,436<span></span>
</td>
<td class="nump">1,819,089<span></span>
</td>
<td class="nump">2,172,660<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="Show.showAR( this, 'defref_slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, gross, Year 5</a></td>
<td class="nump">1,373,996<span></span>
</td>
<td class="nump">1,632,300<span></span>
</td>
<td class="nump">1,615,842<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="Show.showAR( this, 'defref_slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, gross, Year 6</a></td>
<td class="nump">5,260,227<span></span>
</td>
<td class="nump">5,058,175<span></span>
</td>
<td class="nump">5,106,872<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="Show.showAR( this, 'defref_slm_LoansGrossBeforeAllowanceForCreditLoss', window );">Total Private Education Loans, gross</a></td>
<td class="nump">22,235,008<span></span>
</td>
<td class="nump">21,025,844<span></span>
</td>
<td class="nump">20,303,688<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="Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 1</a></td>
<td class="nump">47,659<span></span>
</td>
<td class="nump">35,616<span></span>
</td>
<td class="nump">26,714<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="Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 2</a></td>
<td class="nump">25,599<span></span>
</td>
<td class="nump">18,556<span></span>
</td>
<td class="nump">15,933<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="Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 3</a></td>
<td class="nump">10,788<span></span>
</td>
<td class="nump">9,465<span></span>
</td>
<td class="nump">9,062<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="Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 4</a></td>
<td class="nump">6,142<span></span>
</td>
<td class="nump">5,809<span></span>
</td>
<td class="nump">5,496<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="Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 5</a></td>
<td class="nump">4,057<span></span>
</td>
<td class="nump">3,556<span></span>
</td>
<td class="nump">3,575<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="Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Year 6</a></td>
<td class="nump">8,825<span></span>
</td>
<td class="nump">8,552<span></span>
</td>
<td class="nump">8,876<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="Show.showAR( this, 'defref_slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss', window );">Private Education Loans deferred origination costs and unamortized premium/(discount), Total</a></td>
<td class="nump">103,070<span></span>
</td>
<td class="nump">81,554<span></span>
</td>
<td class="nump">69,656<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="Show.showAR( this, 'defref_slm_LoansOriginatedInCurrentFiscalYear', window );">Total Private Education Loans, Year 1</a></td>
<td class="nump">5,072,251<span></span>
</td>
<td class="nump">4,525,735<span></span>
</td>
<td class="nump">4,303,247<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="Show.showAR( this, 'defref_slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Total Private Education Loans, Year 2</a></td>
<td class="nump">5,347,109<span></span>
</td>
<td class="nump">5,107,295<span></span>
</td>
<td class="nump">4,563,092<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="Show.showAR( this, 'defref_slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans, Year 3</a></td>
<td class="nump">3,196,035<span></span>
</td>
<td class="nump">2,946,887<span></span>
</td>
<td class="nump">2,593,684<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="Show.showAR( this, 'defref_slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, Year 4</a></td>
<td class="nump">2,075,578<span></span>
</td>
<td class="nump">1,824,898<span></span>
</td>
<td class="nump">2,178,156<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="Show.showAR( this, 'defref_slm_LoansOriginatedFourYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, Year 5</a></td>
<td class="nump">1,378,053<span></span>
</td>
<td class="nump">1,635,856<span></span>
</td>
<td class="nump">1,619,417<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="Show.showAR( this, 'defref_slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Total Private Education Loans, Year 6</a></td>
<td class="nump">5,269,052<span></span>
</td>
<td class="nump">5,066,727<span></span>
</td>
<td class="nump">5,115,748<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="Show.showAR( this, 'defref_slm_LoansBeforeAllowanceForCreditLoss', window );">Total Private Education Loans</a></td>
<td class="nump">22,338,078<span></span>
</td>
<td class="nump">21,107,398<span></span>
</td>
<td class="nump">20,373,344<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear', window );">Private Education Loans allowance for losses, Year 1</a></td>
<td class="num">(258,235)<span></span>
</td>
<td class="num">(269,642)<span></span>
</td>
<td class="num">(304,943)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear', window );">Private Education Loans allowance for losses, Year 2</a></td>
<td class="num">(326,207)<span></span>
</td>
<td class="num">(335,090)<span></span>
</td>
<td class="num">(323,506)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Private Education Loans allowance for losses, Year 3</a></td>
<td class="num">(234,532)<span></span>
</td>
<td class="num">(194,104)<span></span>
</td>
<td class="num">(181,915)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Private Education Loans allowance for losses, Year 4</a></td>
<td class="num">(150,324)<span></span>
</td>
<td class="num">(118,755)<span></span>
</td>
<td class="num">(141,424)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear', window );">Private Education Loans allowance for losses, Year 5</a></td>
<td class="num">(90,600)<span></span>
</td>
<td class="num">(100,111)<span></span>
</td>
<td class="num">(101,023)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear', window );">Private Education Loans allowance for losses, Year 6</a></td>
<td class="num">(376,022)<span></span>
</td>
<td class="num">(317,403)<span></span>
</td>
<td class="num">(300,820)<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Private Education Loans allowance for losses</a></td>
<td class="num">(1,435,920)<span></span>
</td>
<td class="num">(1,335,105)<span></span>
</td>
<td class="num">(1,353,631)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear', window );">Private Education Loans, net, Year 1</a></td>
<td class="nump">4,814,016<span></span>
</td>
<td class="nump">4,256,093<span></span>
</td>
<td class="nump">3,998,304<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="Show.showAR( this, 'defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Private Education Loans, net, Year 2</a></td>
<td class="nump">5,020,902<span></span>
</td>
<td class="nump">4,772,205<span></span>
</td>
<td class="nump">4,239,586<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="Show.showAR( this, 'defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Private Education Loans, net, Year 3</a></td>
<td class="nump">2,961,503<span></span>
</td>
<td class="nump">2,752,783<span></span>
</td>
<td class="nump">2,411,769<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="Show.showAR( this, 'defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Private Education Loans, net, Year 4</a></td>
<td class="nump">1,925,254<span></span>
</td>
<td class="nump">1,706,143<span></span>
</td>
<td class="nump">2,036,732<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="Show.showAR( this, 'defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear', window );">Private Education Loans, net, Year 5</a></td>
<td class="nump">1,287,453<span></span>
</td>
<td class="nump">1,535,745<span></span>
</td>
<td class="nump">1,518,394<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="Show.showAR( this, 'defref_slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear', window );">Private Education Loans, net, Year 6</a></td>
<td class="nump">4,893,030<span></span>
</td>
<td class="nump">4,749,324<span></span>
</td>
<td class="nump">4,814,928<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Private Education Loans, net</a></td>
<td class="nump">20,902,158<span></span>
</td>
<td class="nump">19,772,293<span></span>
</td>
<td class="nump">19,019,713<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">2,820,940<span></span>
</td>
<td class="nump">2,469,817<span></span>
</td>
<td class="nump">2,411,441<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">3,312,916<span></span>
</td>
<td class="nump">3,254,534<span></span>
</td>
<td class="nump">2,991,839<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">2,259,455<span></span>
</td>
<td class="nump">2,131,040<span></span>
</td>
<td class="nump">1,907,574<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">1,590,812<span></span>
</td>
<td class="nump">1,416,069<span></span>
</td>
<td class="nump">1,683,986<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">1,107,189<span></span>
</td>
<td class="nump">1,323,825<span></span>
</td>
<td class="nump">1,301,809<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">4,422,021<span></span>
</td>
<td class="nump">4,213,986<span></span>
</td>
<td class="nump">4,262,698<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">15,513,333<span></span>
</td>
<td class="nump">14,809,271<span></span>
</td>
<td class="nump">14,559,347<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">13,533<span></span>
</td>
<td class="nump">17,599<span></span>
</td>
<td class="nump">14,164<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">36,441<span></span>
</td>
<td class="nump">34,627<span></span>
</td>
<td class="nump">30,740<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">45,543<span></span>
</td>
<td class="nump">37,147<span></span>
</td>
<td class="nump">30,877<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">35,245<span></span>
</td>
<td class="nump">28,020<span></span>
</td>
<td class="nump">35,213<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">27,302<span></span>
</td>
<td class="nump">31,432<span></span>
</td>
<td class="nump">31,366<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">152,684<span></span>
</td>
<td class="nump">149,926<span></span>
</td>
<td class="nump">144,948<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">310,748<span></span>
</td>
<td class="nump">298,751<span></span>
</td>
<td class="nump">287,308<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">3,973<span></span>
</td>
<td class="nump">5,720<span></span>
</td>
<td class="nump">5,523<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">15,239<span></span>
</td>
<td class="nump">17,227<span></span>
</td>
<td class="nump">15,056<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">23,359<span></span>
</td>
<td class="nump">20,077<span></span>
</td>
<td class="nump">14,433<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">18,365<span></span>
</td>
<td class="nump">16,614<span></span>
</td>
<td class="nump">18,201<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">10,921<span></span>
</td>
<td class="nump">15,482<span></span>
</td>
<td class="nump">16,697<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">68,878<span></span>
</td>
<td class="nump">75,897<span></span>
</td>
<td class="nump">77,595<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">140,735<span></span>
</td>
<td class="nump">151,017<span></span>
</td>
<td class="nump">147,505<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">1,683<span></span>
</td>
<td class="nump">1,678<span></span>
</td>
<td class="nump">1,710<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">14,481<span></span>
</td>
<td class="nump">16,939<span></span>
</td>
<td class="nump">11,842<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">20,147<span></span>
</td>
<td class="nump">21,470<span></span>
</td>
<td class="nump">14,872<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">17,080<span></span>
</td>
<td class="nump">15,155<span></span>
</td>
<td class="nump">16,819<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">12,632<span></span>
</td>
<td class="nump">16,150<span></span>
</td>
<td class="nump">16,107<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">75,912<span></span>
</td>
<td class="nump">79,383<span></span>
</td>
<td class="nump">74,040<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">141,935<span></span>
</td>
<td class="nump">150,775<span></span>
</td>
<td class="nump">135,390<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">2,164,479<span></span>
</td>
<td class="nump">1,976,040<span></span>
</td>
<td class="nump">1,827,649<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">1,817,705<span></span>
</td>
<td class="nump">1,672,333<span></span>
</td>
<td class="nump">1,433,322<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">748,782<span></span>
</td>
<td class="nump">669,250<span></span>
</td>
<td class="nump">578,253<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">355,248<span></span>
</td>
<td class="nump">307,781<span></span>
</td>
<td class="nump">380,639<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">184,377<span></span>
</td>
<td class="nump">213,593<span></span>
</td>
<td class="nump">219,280<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">452,236<span></span>
</td>
<td class="nump">452,994<span></span>
</td>
<td class="nump">455,910<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">5,722,827<span></span>
</td>
<td class="nump">5,291,991<span></span>
</td>
<td class="nump">4,895,053<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="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="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="Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 1</a></td>
<td class="nump">19,984<span></span>
</td>
<td class="nump">19,265<span></span>
</td>
<td class="nump">16,046<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="Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 2</a></td>
<td class="nump">124,728<span></span>
</td>
<td class="nump">93,079<span></span>
</td>
<td class="nump">64,360<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="Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 3</a></td>
<td class="nump">87,961<span></span>
</td>
<td class="nump">58,438<span></span>
</td>
<td class="nump">38,613<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="Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 4</a></td>
<td class="nump">52,686<span></span>
</td>
<td class="nump">35,450<span></span>
</td>
<td class="nump">37,802<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="Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 5</a></td>
<td class="nump">31,575<span></span>
</td>
<td class="nump">31,818<span></span>
</td>
<td class="nump">30,583<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="Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear', window );">Total Private Education Loans in forbearance, Year 6</a></td>
<td class="nump">88,496<span></span>
</td>
<td class="nump">85,989<span></span>
</td>
<td class="nump">91,681<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="Show.showAR( this, 'defref_slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss', window );">Private Education Loans in forbearance, total</a></td>
<td class="nump">$ 405,430<span></span>
</td>
<td class="nump">$ 324,039<span></span>
</td>
<td class="nump">$ 279,085<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Delinquencies as a percentage of loans in repayment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans, Before Allowance For Credit Loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Before Allowance For Credit Loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Originated Five Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Originated Four Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Originated Three Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans Gross, Originated Two Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans In Repayment, Before Allowance For Credit Loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total loans in repayment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans, Originated Four Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans, Originated Three Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans, Originated Two Years Before Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 40<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481628/310-20-40-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, after allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated four years prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated three years prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated in current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated two years prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest of financing receivable originated in fiscal year prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>98
<FILENAME>R76.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692510612144">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses and Unfunded Loan Commitments - 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff', window );">Current period recoveries, total</a></td>
<td class="num">$ (377,220)<span></span>
</td>
<td class="num">$ (421,096)<span></span>
</td>
<td class="num">$ (431,244)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery', window );">Current period recoveries, total</a></td>
<td class="nump">44,756<span></span>
</td>
<td class="nump">46,368<span></span>
</td>
<td class="nump">41,742<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery', window );">Current period net charge-offs, total</a></td>
<td class="num">(332,464)<span></span>
</td>
<td class="num">(374,728)<span></span>
</td>
<td class="num">(389,502)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear', window );">Current period gross charge-offs, Year 1</a></td>
<td class="num">(1,826)<span></span>
</td>
<td class="num">(1,812)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Current period gross charge-offs, Year 2</a></td>
<td class="num">(29,094)<span></span>
</td>
<td class="num">(31,032)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear', window );">Current period gross charge-offs, Year 3</a></td>
<td class="num">(68,454)<span></span>
</td>
<td class="num">(70,331)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear', window );">Current period gross charge-offs, Year 4</a></td>
<td class="num">(53,697)<span></span>
</td>
<td class="num">(49,624)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear', window );">Current period gross charge-offs, Year 5</a></td>
<td class="num">(37,318)<span></span>
</td>
<td class="num">(50,585)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Current period gross charge-offs, Year 6</a></td>
<td class="num">(186,451)<span></span>
</td>
<td class="num">(216,711)<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff', window );">Current period recoveries, total</a></td>
<td class="num">(376,840)<span></span>
</td>
<td class="num">(420,095)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear', window );">Current period recoveries, Year 1</a></td>
<td class="nump">117<span></span>
</td>
<td class="nump">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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Current period recoveries, Year 2</a></td>
<td class="nump">2,191<span></span>
</td>
<td class="nump">2,342<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Current period recoveries, Year 3</a></td>
<td class="nump">6,487<span></span>
</td>
<td class="nump">6,496<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Current period recoveries, Year 4</a></td>
<td class="nump">5,771<span></span>
</td>
<td class="nump">4,923<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear', window );">Current period recoveries, Year 5</a></td>
<td class="nump">3,840<span></span>
</td>
<td class="nump">5,260<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear', window );">Current period recoveries, Year 6</a></td>
<td class="nump">26,350<span></span>
</td>
<td class="nump">27,175<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery', window );">Current period recoveries, total</a></td>
<td class="nump">44,756<span></span>
</td>
<td class="nump">46,368<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear', window );">Current period net charge-offs, Year 1</a></td>
<td class="num">(1,709)<span></span>
</td>
<td class="num">(1,640)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Current period net charge-offs, Year 2</a></td>
<td class="num">(26,903)<span></span>
</td>
<td class="num">(28,690)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Current period net charge-offs, Year 3</a></td>
<td class="num">(61,967)<span></span>
</td>
<td class="num">(63,835)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Current period net charge-offs, Year 4</a></td>
<td class="num">(47,926)<span></span>
</td>
<td class="num">(44,701)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear', window );">Current period net charge-offs, Year 5</a></td>
<td class="num">(33,478)<span></span>
</td>
<td class="num">(45,325)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear', window );">Current period net charge-offs, Year 6</a></td>
<td class="num">(160,101)<span></span>
</td>
<td class="num">(189,536)<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery', window );">Current period net charge-offs, total</a></td>
<td class="num">(332,084)<span></span>
</td>
<td class="num">(373,727)<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="Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear', window );">Total accrued interest by origination vintage, Year 1</a></td>
<td class="nump">195,291<span></span>
</td>
<td class="nump">177,959<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="Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear', window );">Total accrued interest by origination vintage, Year 2</a></td>
<td class="nump">484,531<span></span>
</td>
<td class="nump">408,800<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="Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear', window );">Total accrued interest by origination vintage, Year 3</a></td>
<td class="nump">325,962<span></span>
</td>
<td class="nump">269,978<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="Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear', window );">Total accrued interest by origination vintage, Year 4</a></td>
<td class="nump">197,504<span></span>
</td>
<td class="nump">152,094<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="Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear', window );">Total accrued interest by origination vintage, Year 5</a></td>
<td class="nump">106,565<span></span>
</td>
<td class="nump">116,618<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="Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear', window );">Total accrued interest by origination vintage, Year 6</a></td>
<td class="nump">239,562<span></span>
</td>
<td class="nump">229,116<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="Show.showAR( this, 'defref_slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss', window );">Total accrued interest by origination vintage</a></td>
<td class="nump">1,549,415<span></span>
</td>
<td class="nump">1,354,565<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">2,820,940<span></span>
</td>
<td class="nump">2,469,817<span></span>
</td>
<td class="nump">2,411,441<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">3,312,916<span></span>
</td>
<td class="nump">3,254,534<span></span>
</td>
<td class="nump">2,991,839<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">2,259,455<span></span>
</td>
<td class="nump">2,131,040<span></span>
</td>
<td class="nump">1,907,574<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">1,590,812<span></span>
</td>
<td class="nump">1,416,069<span></span>
</td>
<td class="nump">1,683,986<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">1,107,189<span></span>
</td>
<td class="nump">1,323,825<span></span>
</td>
<td class="nump">1,301,809<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">4,422,021<span></span>
</td>
<td class="nump">4,213,986<span></span>
</td>
<td class="nump">4,262,698<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">15,513,333<span></span>
</td>
<td class="nump">14,809,271<span></span>
</td>
<td class="nump">14,559,347<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">13,533<span></span>
</td>
<td class="nump">17,599<span></span>
</td>
<td class="nump">14,164<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">36,441<span></span>
</td>
<td class="nump">34,627<span></span>
</td>
<td class="nump">30,740<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">45,543<span></span>
</td>
<td class="nump">37,147<span></span>
</td>
<td class="nump">30,877<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">35,245<span></span>
</td>
<td class="nump">28,020<span></span>
</td>
<td class="nump">35,213<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">27,302<span></span>
</td>
<td class="nump">31,432<span></span>
</td>
<td class="nump">31,366<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">152,684<span></span>
</td>
<td class="nump">149,926<span></span>
</td>
<td class="nump">144,948<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">310,748<span></span>
</td>
<td class="nump">298,751<span></span>
</td>
<td class="nump">287,308<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">3,973<span></span>
</td>
<td class="nump">5,720<span></span>
</td>
<td class="nump">5,523<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">15,239<span></span>
</td>
<td class="nump">17,227<span></span>
</td>
<td class="nump">15,056<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">23,359<span></span>
</td>
<td class="nump">20,077<span></span>
</td>
<td class="nump">14,433<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">18,365<span></span>
</td>
<td class="nump">16,614<span></span>
</td>
<td class="nump">18,201<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">10,921<span></span>
</td>
<td class="nump">15,482<span></span>
</td>
<td class="nump">16,697<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">68,878<span></span>
</td>
<td class="nump">75,897<span></span>
</td>
<td class="nump">77,595<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">140,735<span></span>
</td>
<td class="nump">151,017<span></span>
</td>
<td class="nump">147,505<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">1,683<span></span>
</td>
<td class="nump">1,678<span></span>
</td>
<td class="nump">1,710<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">14,481<span></span>
</td>
<td class="nump">16,939<span></span>
</td>
<td class="nump">11,842<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">20,147<span></span>
</td>
<td class="nump">21,470<span></span>
</td>
<td class="nump">14,872<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">17,080<span></span>
</td>
<td class="nump">15,155<span></span>
</td>
<td class="nump">16,819<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">12,632<span></span>
</td>
<td class="nump">16,150<span></span>
</td>
<td class="nump">16,107<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">75,912<span></span>
</td>
<td class="nump">79,383<span></span>
</td>
<td class="nump">74,040<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">141,935<span></span>
</td>
<td class="nump">150,775<span></span>
</td>
<td class="nump">$ 135,390<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | With and without 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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">5,024,592<span></span>
</td>
<td class="nump">4,490,119<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">5,321,510<span></span>
</td>
<td class="nump">5,088,739<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">3,185,247<span></span>
</td>
<td class="nump">2,937,422<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">2,069,436<span></span>
</td>
<td class="nump">1,819,089<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">1,373,996<span></span>
</td>
<td class="nump">1,632,300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">5,260,227<span></span>
</td>
<td class="nump">5,058,175<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 22,235,008<span></span>
</td>
<td class="nump">$ 21,025,844<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 4,519,952<span></span>
</td>
<td class="nump">$ 3,903,676<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">4,707,685<span></span>
</td>
<td class="nump">4,428,163<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">2,741,871<span></span>
</td>
<td class="nump">2,516,380<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">1,759,261<span></span>
</td>
<td class="nump">1,535,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">1,151,751<span></span>
</td>
<td class="nump">1,378,699<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">4,642,019<span></span>
</td>
<td class="nump">4,529,768<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 19,522,539<span></span>
</td>
<td class="nump">$ 18,291,994<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_PercentOfPrivateLoans', window );">Private education loans</a></td>
<td class="nump">88.00%<span></span>
</td>
<td class="nump">87.00%<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 504,640<span></span>
</td>
<td class="nump">$ 586,443<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">613,825<span></span>
</td>
<td class="nump">660,576<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">443,376<span></span>
</td>
<td class="nump">421,042<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">310,175<span></span>
</td>
<td class="nump">283,781<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">222,245<span></span>
</td>
<td class="nump">253,601<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">618,208<span></span>
</td>
<td class="nump">528,407<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 2,712,469<span></span>
</td>
<td class="nump">$ 2,733,850<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="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_PercentOfPrivateLoans', window );">Private education loans</a></td>
<td class="nump">12.00%<span></span>
</td>
<td class="nump">13.00%<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | FICO at Origination</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 5,024,592<span></span>
</td>
<td class="nump">$ 4,490,119<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">5,321,510<span></span>
</td>
<td class="nump">5,088,739<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">3,185,247<span></span>
</td>
<td class="nump">2,937,422<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">2,069,436<span></span>
</td>
<td class="nump">1,819,089<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">1,373,996<span></span>
</td>
<td class="nump">1,632,300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">5,260,227<span></span>
</td>
<td class="nump">5,058,175<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 22,235,008<span></span>
</td>
<td class="nump">$ 21,025,844<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | FICO at Origination | 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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 293,025<span></span>
</td>
<td class="nump">$ 328,199<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">394,962<span></span>
</td>
<td class="nump">395,526<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">261,589<span></span>
</td>
<td class="nump">208,696<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">155,661<span></span>
</td>
<td class="nump">118,935<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">94,355<span></span>
</td>
<td class="nump">137,494<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">475,186<span></span>
</td>
<td class="nump">451,613<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 1,674,778<span></span>
</td>
<td class="nump">$ 1,640,463<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">8.00%<span></span>
</td>
<td class="nump">8.00%<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | FICO at Origination | 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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 615,617<span></span>
</td>
<td class="nump">$ 635,642<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">753,548<span></span>
</td>
<td class="nump">704,642<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">449,214<span></span>
</td>
<td class="nump">400,744<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">285,181<span></span>
</td>
<td class="nump">254,762<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">197,205<span></span>
</td>
<td class="nump">257,840<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">898,535<span></span>
</td>
<td class="nump">868,777<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 3,199,300<span></span>
</td>
<td class="nump">$ 3,122,407<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">14.00%<span></span>
</td>
<td class="nump">15.00%<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | FICO at Origination | 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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 1,525,547<span></span>
</td>
<td class="nump">$ 1,383,779<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">1,641,641<span></span>
</td>
<td class="nump">1,586,783<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">998,834<span></span>
</td>
<td class="nump">934,033<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">660,373<span></span>
</td>
<td class="nump">590,401<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">451,695<span></span>
</td>
<td class="nump">545,333<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">1,782,121<span></span>
</td>
<td class="nump">1,709,299<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 7,060,211<span></span>
</td>
<td class="nump">$ 6,749,628<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">32.00%<span></span>
</td>
<td class="nump">32.00%<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | FICO at Origination | Greater than or equal to 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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 2,590,403<span></span>
</td>
<td class="nump">$ 2,142,499<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">2,531,359<span></span>
</td>
<td class="nump">2,401,788<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">1,475,610<span></span>
</td>
<td class="nump">1,393,949<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">968,221<span></span>
</td>
<td class="nump">854,991<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">630,741<span></span>
</td>
<td class="nump">691,633<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">2,104,385<span></span>
</td>
<td class="nump">2,028,486<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 10,300,719<span></span>
</td>
<td class="nump">$ 9,513,346<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">46.00%<span></span>
</td>
<td class="nump">45.00%<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | FICO Refreshed</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 5,024,592<span></span>
</td>
<td class="nump">$ 4,490,119<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">5,321,510<span></span>
</td>
<td class="nump">5,088,739<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">3,185,247<span></span>
</td>
<td class="nump">2,937,422<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">2,069,436<span></span>
</td>
<td class="nump">1,819,089<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">1,373,996<span></span>
</td>
<td class="nump">1,632,300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">5,260,227<span></span>
</td>
<td class="nump">5,058,175<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 22,235,008<span></span>
</td>
<td class="nump">$ 21,025,844<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | FICO Refreshed | 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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 453,705<span></span>
</td>
<td class="nump">$ 495,451<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">666,049<span></span>
</td>
<td class="nump">638,381<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">467,562<span></span>
</td>
<td class="nump">379,738<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">301,367<span></span>
</td>
<td class="nump">217,956<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">194,124<span></span>
</td>
<td class="nump">214,665<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">831,053<span></span>
</td>
<td class="nump">791,875<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 2,913,860<span></span>
</td>
<td class="nump">$ 2,738,066<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">13.00%<span></span>
</td>
<td class="nump">13.00%<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | FICO Refreshed | 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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 633,749<span></span>
</td>
<td class="nump">$ 616,684<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">710,546<span></span>
</td>
<td class="nump">672,777<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">409,808<span></span>
</td>
<td class="nump">365,674<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">248,325<span></span>
</td>
<td class="nump">193,462<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">138,730<span></span>
</td>
<td class="nump">176,963<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">578,639<span></span>
</td>
<td class="nump">564,245<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 2,719,797<span></span>
</td>
<td class="nump">$ 2,589,805<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | FICO Refreshed | 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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 1,485,771<span></span>
</td>
<td class="nump">$ 1,347,094<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">1,512,643<span></span>
</td>
<td class="nump">1,477,310<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">879,450<span></span>
</td>
<td class="nump">836,747<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">563,941<span></span>
</td>
<td class="nump">498,414<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">362,715<span></span>
</td>
<td class="nump">445,244<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">1,398,737<span></span>
</td>
<td class="nump">1,361,073<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 6,203,257<span></span>
</td>
<td class="nump">$ 5,965,882<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">28.00%<span></span>
</td>
<td class="nump">28.00%<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember', window );">Consumer Portfolio Segment | Student Loan | FICO Refreshed | Greater than or equal to 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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 2,451,367<span></span>
</td>
<td class="nump">$ 2,030,890<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">2,432,272<span></span>
</td>
<td class="nump">2,300,271<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">1,428,427<span></span>
</td>
<td class="nump">1,355,263<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">955,803<span></span>
</td>
<td class="nump">909,257<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">678,427<span></span>
</td>
<td class="nump">795,428<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">2,451,798<span></span>
</td>
<td class="nump">2,340,982<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 10,398,094<span></span>
</td>
<td class="nump">$ 9,732,091<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_PrivateEducationLoansAtOrigination', window );">Private Education Loans at origination</a></td>
<td class="nump">47.00%<span></span>
</td>
<td class="nump">47.00%<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="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 5,024,592<span></span>
</td>
<td class="nump">$ 4,490,119<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">5,321,510<span></span>
</td>
<td class="nump">5,088,739<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">3,185,247<span></span>
</td>
<td class="nump">2,937,422<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">2,069,436<span></span>
</td>
<td class="nump">1,819,089<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">1,373,996<span></span>
</td>
<td class="nump">1,632,300<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">5,260,227<span></span>
</td>
<td class="nump">5,058,175<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 22,235,008<span></span>
</td>
<td class="nump">$ 21,025,844<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 2,860,113<span></span>
</td>
<td class="nump">$ 2,514,079<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">774,471<span></span>
</td>
<td class="nump">740,450<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">499,812<span></span>
</td>
<td class="nump">440,293<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">280,154<span></span>
</td>
<td class="nump">245,631<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">159,762<span></span>
</td>
<td class="nump">208,941<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">324,506<span></span>
</td>
<td class="nump">332,608<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 4,898,818<span></span>
</td>
<td class="nump">$ 4,482,002<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent', window );">Seasoning based on monthly scheduled payments due from 1-12 payments</a></td>
<td class="nump">22.00%<span></span>
</td>
<td class="nump">21.00%<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', 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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">2,729,334<span></span>
</td>
<td class="nump">2,675,956<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">372,496<span></span>
</td>
<td class="nump">303,045<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">191,989<span></span>
</td>
<td class="nump">167,532<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">122,938<span></span>
</td>
<td class="nump">165,577<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">340,556<span></span>
</td>
<td class="nump">384,760<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 3,757,313<span></span>
</td>
<td class="nump">$ 3,696,870<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent', window );">Seasoning based on monthly scheduled payments due from 13 - 24 payments</a></td>
<td class="nump">17.00%<span></span>
</td>
<td class="nump">18.00%<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', 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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', 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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">1,564,157<span></span>
</td>
<td class="nump">1,524,834<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">254,068<span></span>
</td>
<td class="nump">195,091<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">110,952<span></span>
</td>
<td class="nump">129,571<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">429,127<span></span>
</td>
<td class="nump">456,448<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 2,358,304<span></span>
</td>
<td class="nump">$ 2,305,944<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent', window );">Seasoning based on monthly scheduled payments due from 25 - 36 payments</a></td>
<td class="nump">11.00%<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', 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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', 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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', 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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">987,977<span></span>
</td>
<td class="nump">902,938<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">170,051<span></span>
</td>
<td class="nump">208,521<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">451,494<span></span>
</td>
<td class="nump">446,350<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 1,609,522<span></span>
</td>
<td class="nump">$ 1,557,809<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent', window );">Seasoning based on monthly scheduled payments due from 37 - 48 payments</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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', 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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', 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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', 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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">116<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">625,916<span></span>
</td>
<td class="nump">706,097<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">3,262,308<span></span>
</td>
<td class="nump">2,985,015<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 3,888,224<span></span>
</td>
<td class="nump">$ 3,691,228<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent', window );">Seasoning based on monthly scheduled payments due from more than 48 payments</a></td>
<td class="nump">17.00%<span></span>
</td>
<td class="nump">18.00%<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="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="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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">Year 1</a></td>
<td class="nump">$ 2,164,479<span></span>
</td>
<td class="nump">$ 1,976,040<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">Year 2</a></td>
<td class="nump">1,817,705<span></span>
</td>
<td class="nump">1,672,333<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">Year 3</a></td>
<td class="nump">748,782<span></span>
</td>
<td class="nump">669,250<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">Year 4</a></td>
<td class="nump">355,248<span></span>
</td>
<td class="nump">307,781<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">Year 5</a></td>
<td class="nump">184,377<span></span>
</td>
<td class="nump">213,593<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">After Year 5</a></td>
<td class="nump">452,236<span></span>
</td>
<td class="nump">452,994<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="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loan type</a></td>
<td class="nump">$ 5,722,827<span></span>
</td>
<td class="nump">$ 5,291,991<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_PercentOfBalanceAbstract', window );"><strong>% of Balance</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="Show.showAR( this, 'defref_slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent', window );">Seasoning based on monthly scheduled payments due from not yet in repayment</a></td>
<td class="nump">26.00%<span></span>
</td>
<td class="nump">25.00%<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Five Or More Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td 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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Four Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td 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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Current Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear</td>
</tr>
<tr>
<td 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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Fiscal Year Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear</td>
</tr>
<tr>
<td 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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Three Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td 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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Two Years Before Latest Fiscal Year</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear</td>
</tr>
<tr>
<td 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_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_PercentOfBalanceAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent Of Balance</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_PercentOfBalanceAbstract</td>
</tr>
<tr>
<td 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_PercentOfPrivateLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percent of private loans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Private Education Loans At Origination</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Private education loans gross in percent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 40<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481628/310-20-40-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481990/310-10-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of decrease (increase) in allowance for credit loss on financing receivable from writeoff (recovery). Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated four years prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated three years prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated in current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated two years prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest of financing receivable originated in fiscal year prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_CosignerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_WithCosignerMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SchoolFicoMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember</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_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember</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>99
<FILENAME>R77.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692510729312">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Allowance for Credit Losses and Unfunded Loan Commitments - Accrued Interest Receivable (Detail) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_AccruedInterestReceivableOnPrivateEducationLoans', window );">Total Interest Receivable</a></td>
<td class="nump">$ 1,549,415<span></span>
</td>
<td class="nump">$ 1,354,565<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="Show.showAR( this, 'defref_slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable', window );">90 Days or Greater Past Due</a></td>
<td class="nump">6,420<span></span>
</td>
<td class="nump">8,373<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="Show.showAR( this, 'defref_slm_AllowanceForUncollectibleAccruedInterest', window );">Allowance for uncollectible interest</a></td>
<td class="nump">12,366<span></span>
</td>
<td class="nump">9,897<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="Show.showAR( this, 'defref_slm_AccruedInterestReceivableNotExpectedToBeCapitalized', window );">Accrued interest receivable not expected to be capitalized</a></td>
<td class="nump">164,000<span></span>
</td>
<td class="nump">151,000<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="Show.showAR( this, 'defref_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses', window );">Accrued interest receivable expected to be capitalized reserved</a></td>
<td class="nump">$ 1,400,000<span></span>
</td>
<td class="nump">$ 1,200,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accrued Interest Receivable Expected To Be Capitalized Reserved Allowance For Credit Losses</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses</td>
</tr>
<tr>
<td 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_AccruedInterestReceivableNotExpectedToBeCapitalized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accrued Interest Receivable Not Expected To Be Capitalized</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AccruedInterestReceivableNotExpectedToBeCapitalized</td>
</tr>
<tr>
<td 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_AccruedInterestReceivableOnPrivateEducationLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accrued interest receivable on private education loans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allowance For Uncollectible Accrued Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Greater than ninety days past due accrued interest receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>100
<FILENAME>R78.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593382256">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses and Unfunded Loan Commitments - Schedule of Allowance for Credit Losses and Recorded Investments in Loans (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Beginning balance</a></td>
<td class="nump">$ 112,962<span></span>
</td>
<td class="nump">$ 124,924<span></span>
</td>
<td class="nump">$ 72,713<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal', window );">Provision</a></td>
<td class="nump">283,393<span></span>
</td>
<td class="nump">308,275<span></span>
</td>
<td class="nump">396,521<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="Show.showAR( this, 'defref_slm_OffBalanceSheetCreditLossLiabilityWriteoff', window );">Transfer - funded loans</a></td>
<td class="num">(311,787)<span></span>
</td>
<td class="num">(320,237)<span></span>
</td>
<td class="num">(344,310)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Ending balance</a></td>
<td class="nump">84,568<span></span>
</td>
<td class="nump">112,962<span></span>
</td>
<td class="nump">124,924<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Beginning balance</a></td>
<td class="nump">2,221,077<span></span>
</td>
<td class="nump">1,995,808<span></span>
</td>
<td class="nump">1,776,976<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="Show.showAR( this, 'defref_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments', window );">Provision/New commitments - net</a></td>
<td class="nump">7,103,832<span></span>
</td>
<td class="nump">6,602,803<span></span>
</td>
<td class="nump">6,180,805<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="Show.showAR( this, 'defref_slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded', window );">Transfer - funded loans</a></td>
<td class="num">(7,013,249)<span></span>
</td>
<td class="num">(6,377,534)<span></span>
</td>
<td class="num">(5,961,973)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability', window );">Ending balance</a></td>
<td class="nump">$ 2,311,660<span></span>
</td>
<td class="nump">$ 2,221,077<span></span>
</td>
<td class="nump">$ 1,995,808<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Allowance.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_OffBalanceSheetCreditLossLiabilityWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Off-Balance Sheet, Credit Loss, Liability, Writeoff</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Unfunded Commitments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_FairValueDisclosureOffbalanceSheetRisksAmountLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 460<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482454/460-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>101
<FILENAME>R79.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692502698672">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
<td class="nump">$ 287,575<span></span>
</td>
<td class="nump">$ 275,147<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Accumulated depreciation</a></td>
<td class="num">(168,221)<span></span>
</td>
<td class="num">(145,646)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
<td class="nump">119,354<span></span>
</td>
<td class="nump">129,501<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
<td class="nump">124,568<span></span>
</td>
<td class="nump">122,301<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
<td class="nump">35,519<span></span>
</td>
<td class="nump">34,068<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
<td class="nump">$ 115,132<span></span>
</td>
<td class="nump">$ 106,422<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_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(14))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482099/360-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_PropertyPlantAndEquipmentGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(13))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 360<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482099/360-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_PropertyPlantAndEquipmentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478964/842-20-50-7A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentLineItems</td>
</tr>
<tr>
<td style="padding-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_PropertyPlantAndEquipmentNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 360<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482099/360-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478964/842-20-50-7A<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 360<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478451/942-360-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandAndLandImprovementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandAndLandImprovementsMember</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_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember</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_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_PropertyPlantAndEquipmentByTypeAxis=us-gaap_FurnitureAndFixturesMember</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_PropertyPlantAndEquipmentByTypeAxis=us-gaap_SoftwareAndSoftwareDevelopmentCostsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_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>102
<FILENAME>R80.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692508770496">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Premises and Equipment, Net -Narrative (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation of premises and equipment</a></td>
<td class="nump">$ 17,652<span></span>
</td>
<td class="nump">$ 17,811<span></span>
</td>
<td class="nump">$ 17,331<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482099/360-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>103
<FILENAME>R81.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506744992">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Goodwill and Acquired Intangible Assets - Narrative (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="2">3 Months Ended</th>
<th class="th" colspan="2">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Jul. 21, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 56<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 56<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AmortizationOfIntangibleAssets', window );">Amortized intangible assets</a></td>
<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="nump">$ 10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths', window );">Expected amortization of 2025</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo', window );">Expected amortization of 2026</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3<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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree', window );">Expected amortization of 2027</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration', window );">Impairment, Intangible Asset, Finite-Lived, Statement of Income or Comprehensive Income [Extensible Enumeration]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">Acquired intangible assets impairment and amortization expense<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="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=slm_NitroCollegeMember', window );">Nitro | Tradename and trademarks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairmentOfIntangibleAssetsFinitelived', window );">Impairment of intangible assets</a></td>
<td class="nump">$ 56<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 56<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=slm_SchollyIncMember', window );">Scholly, Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=slm_SchollyIncMember', window );">Scholly, Inc. | Partner relationship</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairmentOfIntangibleAssetsFinitelived', window );">Impairment of intangible assets</a></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>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfIntangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 40<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482640/350-30-55-40<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482686/350-30-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationOfIntangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 40<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482640/350-30-55-40<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 985<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481283/985-20-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 40<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482640/350-30-55-40<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 985<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481283/985-20-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 40<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482640/350-30-55-40<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 985<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481283/985-20-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FiniteLivedIntangibleAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 40<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482640/350-30-55-40<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482686/350-30-45-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 985<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481283/985-20-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 926<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483154/926-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsLineItems</td>
</tr>
<tr>
<td style="padding-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_Goodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 49<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-49<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482548/350-20-55-24<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482598/350-20-45-1<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482573/350-20-50-1<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482573/350-20-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Goodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of income or comprehensive income that includes impairment of finite-lived intangible asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 985<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481283/985-20-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance 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_ImpairmentOfIntangibleAssetsFinitelived">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment loss recognized in the period resulting from the write-down of the carrying amount of a finite-lived intangible asset to fair value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482686/350-30-45-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-3<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairmentOfIntangibleAssetsFinitelived</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_BusinessAcquisitionAxis=slm_NitroCollegeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_BusinessAcquisitionAxis=slm_NitroCollegeMember</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_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_TrademarksAndTradeNamesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_TrademarksAndTradeNamesMember</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_BusinessAcquisitionAxis=slm_SchollyIncMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_BusinessAcquisitionAxis=slm_SchollyIncMember</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_FiniteLivedIntangibleAssetsByMajorClassAxis=slm_PartnerRelationshipsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FiniteLivedIntangibleAssetsByMajorClassAxis=slm_PartnerRelationshipsMember</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>R82.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692499338512">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Goodwill and Acquired Intangible Assets - Schedule of Acquired Intangible Assets (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="1">1 Months Ended</th>
<th class="th" colspan="2">3 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Cost Basis</a></td>
<td class="nump">$ 18,280<span></span>
</td>
<td class="nump">$ 17,700<span></span>
</td>
<td class="nump">$ 18,280<span></span>
</td>
<td class="nump">$ 17,700<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
<td class="num">(5,672)<span></span>
</td>
<td class="num">(10,271)<span></span>
</td>
<td class="num">(5,672)<span></span>
</td>
<td class="num">(10,271)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
<td class="nump">12,608<span></span>
</td>
<td class="nump">$ 7,429<span></span>
</td>
<td class="nump">12,608<span></span>
</td>
<td class="nump">$ 7,429<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=slm_NitroCollegeMember', window );">Nitro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife', window );">Weighted average useful life of acquired intangible assets</a></td>
<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 7 months 6 days<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=slm_SchollyIncMember', window );">Scholly, Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife', window );">Weighted average useful life of acquired intangible assets</a></td>
<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<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_TrademarksAndTradeNamesMember', window );">Tradename and trademarks</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetUsefulLife', window );">Useful Life (in years)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Cost Basis</a></td>
<td class="nump">6,040<span></span>
</td>
<td class="nump">$ 6,040<span></span>
</td>
<td class="nump">6,040<span></span>
</td>
<td class="nump">$ 6,040<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
<td class="num">(629)<span></span>
</td>
<td class="num">(2,139)<span></span>
</td>
<td class="num">(629)<span></span>
</td>
<td class="num">(2,139)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
<td class="nump">5,411<span></span>
</td>
<td class="nump">3,901<span></span>
</td>
<td class="nump">5,411<span></span>
</td>
<td class="nump">3,901<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_TrademarksAndTradeNamesMember', window );">Tradename and trademarks | Nitro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_ImpairmentOfIntangibleAssetsFinitelived', window );">Impairment of intangible assets</a></td>
<td class="nump">56,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">56,000<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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_TrademarksAndTradeNamesMember', window );">Tradename and trademarks | Scholly, Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 4,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 4,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CustomerRelationshipsMember', window );">Customer relationships</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetUsefulLife', window );">Useful Life (in years)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 7 months 6 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years 7 months 6 days<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Cost Basis</a></td>
<td class="nump">8,920<span></span>
</td>
<td class="nump">$ 8,920<span></span>
</td>
<td class="nump">8,920<span></span>
</td>
<td class="nump">$ 8,920<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
<td class="num">(4,013)<span></span>
</td>
<td class="num">(6,465)<span></span>
</td>
<td class="num">(4,013)<span></span>
</td>
<td class="num">(6,465)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
<td class="nump">4,907<span></span>
</td>
<td class="nump">2,455<span></span>
</td>
<td class="nump">4,907<span></span>
</td>
<td class="nump">2,455<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CustomerRelationshipsMember', window );">Customer relationships | Scholly, Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_DevelopedTechnologyRightsMember', window );">Developed technology</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetUsefulLife', window );">Useful Life (in years)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">3 years 6 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">3 years 6 months<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Cost Basis</a></td>
<td class="nump">2,590<span></span>
</td>
<td class="nump">$ 2,590<span></span>
</td>
<td class="nump">2,590<span></span>
</td>
<td class="nump">$ 2,590<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
<td class="num">(908)<span></span>
</td>
<td class="num">(1,661)<span></span>
</td>
<td class="num">(908)<span></span>
</td>
<td class="num">(1,661)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
<td class="nump">1,682<span></span>
</td>
<td class="nump">929<span></span>
</td>
<td class="nump">1,682<span></span>
</td>
<td class="nump">929<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_DevelopedTechnologyRightsMember', window );">Developed technology | Scholly, Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=slm_PartnerRelationshipsMember', window );">Partner relationship</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Cost Basis</a></td>
<td class="nump">730<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">730<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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
<td class="num">(122)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(122)<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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
<td class="nump">608<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">608<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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=slm_PartnerRelationshipsMember', window );">Partner relationship | Scholly, Inc.</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_ImpairmentOfIntangibleAssetsFinitelived', window );">Impairment of intangible assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,000<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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=slm_Sallie.comDomainMember', window );">Sallie.com domain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [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="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetUsefulLife', window );">Useful Life (in years)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">4 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Cost Basis</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">$ 150<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">$ 150<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(6)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(6)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 144<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 144<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_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average amortization period of finite-lived intangible assets acquired either individually or as part of a group of assets, 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 985<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481283/985-20-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife</td>
</tr>
<tr>
<td style="padding-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_FiniteLivedIntangibleAssetUsefulLife">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Useful life of finite-lived intangible assets, 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetUsefulLife</td>
</tr>
<tr>
<td style="padding-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>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_FiniteLivedIntangibleAssetsAccumulatedAmortization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accumulated amount of amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 40<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482640/350-30-55-40<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480265/350-10-S45-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FiniteLivedIntangibleAssetsGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount before amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 40<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482640/350-30-55-40<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480265/350-10-S45-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 928<br> -SubTopic 340<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478859/928-340-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FiniteLivedIntangibleAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 40<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482640/350-30-55-40<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482686/350-30-45-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 985<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481283/985-20-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 926<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483154/926-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsLineItems</td>
</tr>
<tr>
<td style="padding-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_FiniteLivedIntangibleAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount after amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 926<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483154/926-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_ImpairmentOfIntangibleAssetsFinitelived">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment loss recognized in the period resulting from the write-down of the carrying amount of a finite-lived intangible asset to fair value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482686/350-30-45-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482665/350-30-50-3<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairmentOfIntangibleAssetsFinitelived</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_BusinessAcquisitionAxis=slm_NitroCollegeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_BusinessAcquisitionAxis=slm_NitroCollegeMember</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_BusinessAcquisitionAxis=slm_SchollyIncMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_BusinessAcquisitionAxis=slm_SchollyIncMember</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_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_TrademarksAndTradeNamesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_TrademarksAndTradeNamesMember</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_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CustomerRelationshipsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CustomerRelationshipsMember</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_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_DevelopedTechnologyRightsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_DevelopedTechnologyRightsMember</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_FiniteLivedIntangibleAssetsByMajorClassAxis=slm_PartnerRelationshipsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FiniteLivedIntangibleAssetsByMajorClassAxis=slm_PartnerRelationshipsMember</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_FiniteLivedIntangibleAssetsByMajorClassAxis=slm_Sallie.comDomainMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FiniteLivedIntangibleAssetsByMajorClassAxis=slm_Sallie.comDomainMember</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>105
<FILENAME>R83.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692500793472">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilities', window );">Deposits - interest-bearing</a></td>
<td class="nump">$ 21,066,752<span></span>
</td>
<td class="nump">$ 21,651,657<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilities', window );">Deposits - non-interest-bearing</a></td>
<td class="nump">1,816<span></span>
</td>
<td class="nump">1,531<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
<td class="nump">$ 21,068,568<span></span>
</td>
<td class="nump">$ 21,653,188<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>R84.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692500986992">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits -Narrative (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_Deposits', window );">Deposits</a></td>
<td class="nump">$ 21,068,568<span></span>
</td>
<td class="nump">$ 21,653,188<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="Show.showAR( this, 'defref_slm_BrokeredDeposits', window );">Brokered deposits</a></td>
<td class="nump">9,500,000<span></span>
</td>
<td class="nump">10,300,000<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="Show.showAR( this, 'defref_slm_RetailandOtherDeposits', window );">Retail and other deposits</a></td>
<td class="nump">11,600,000<span></span>
</td>
<td class="nump">11,400,000<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="Show.showAR( this, 'defref_slm_StableInterestbearingDepositsTotal', window );">Stable interest-bearing deposits, total</a></td>
<td class="nump">7,000,000<span></span>
</td>
<td class="nump">7,600,000<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="Show.showAR( this, 'defref_slm_BrokeredDepositPlacementFee', window );">Brokered deposit placement fee</a></td>
<td class="nump">11,000<span></span>
</td>
<td class="nump">12,000<span></span>
</td>
<td class="nump">$ 13,000<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="Show.showAR( this, 'defref_slm_ThirdPartyBrokerFeesPaid', window );">Third party broker fees paid</a></td>
<td class="nump">8,000<span></span>
</td>
<td class="nump">8,000<span></span>
</td>
<td class="nump">$ 13,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashUninsuredAmount', window );">Deposits exceeding FDIC insurance limits</a></td>
<td class="nump">567,000<span></span>
</td>
<td class="nump">478,000<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="Show.showAR( this, 'defref_us-gaap_InterestPayableCurrent', window );">Accrued interest on deposits</a></td>
<td class="nump">$ 92,000<span></span>
</td>
<td class="nump">$ 91,000<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Brokered Deposit Placement Fee</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Brokered Deposits</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Retail and Other Deposits</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Stable Interest-bearing Deposits, Total</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Third Party Broker Fees Paid</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_CashUninsuredAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash as of the balance sheet date that is not insured by the Federal Deposit Insurance Corporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashUninsuredAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_Deposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>107
<FILENAME>R85.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593822224">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositMoneyMarket', window );">Money market</a></td>
<td class="nump">$ 9,582,290<span></span>
</td>
<td class="nump">$ 10,258,292<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositSavings', window );">Savings</a></td>
<td class="nump">944,034<span></span>
</td>
<td class="nump">945,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositTimeDeposits', window );">Certificates of deposit</a></td>
<td class="nump">10,540,428<span></span>
</td>
<td class="nump">10,448,365<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilities', window );">Deposits - interest-bearing</a></td>
<td class="nump">$ 21,066,752<span></span>
</td>
<td class="nump">$ 21,651,657<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket', window );">Money market</a></td>
<td class="nump">4.27%<span></span>
</td>
<td class="nump">4.85%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageRateDomesticDepositSavings', window );">Savings</a></td>
<td class="nump">4.02%<span></span>
</td>
<td class="nump">4.35%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageRateDomesticDepositTimeDeposits', window );">Certificates of deposit</a></td>
<td class="nump">4.20%<span></span>
</td>
<td class="nump">3.69%<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_InterestBearingDomesticDepositMoneyMarket">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_WeightedAverageRateDomesticDepositLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<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>108
<FILENAME>R86.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506104656">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">One year or less</a></td>
<td class="nump">$ 6,569,872<span></span>
</td>
<td class="nump">$ 3,937,766<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">After one year to two years</a></td>
<td class="nump">2,074,849<span></span>
</td>
<td class="nump">4,112,902<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">After two years to three years</a></td>
<td class="nump">986,262<span></span>
</td>
<td class="nump">1,881,371<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">After three years to four years</a></td>
<td class="nump">189,421<span></span>
</td>
<td class="nump">327,295<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">After four years to five years</a></td>
<td class="nump">720,005<span></span>
</td>
<td class="nump">188,802<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesAfterYearFive', window );">After five years</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">229<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
<td class="nump">$ 10,540,428<span></span>
</td>
<td class="nump">$ 10,448,365<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit liabilities, including certificates of deposit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 405<br> -Topic 942<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478353/942-405-50-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<TYPE>XML
<SEQUENCE>109
<FILENAME>R87.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692499763312">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Borrowings - Company Borrowings (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">6,440,345<span></span>
</td>
<td class="nump">5,227,512<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">6,440,345<span></span>
</td>
<td class="nump">5,227,512<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">995,420<span></span>
</td>
<td class="nump">992,200<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">995,420<span></span>
</td>
<td class="nump">992,200<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">5,444,925<span></span>
</td>
<td class="nump">4,235,312<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">5,444,925<span></span>
</td>
<td class="nump">4,235,312<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">5,444,925<span></span>
</td>
<td class="nump">4,235,312<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">5,444,925<span></span>
</td>
<td class="nump">4,235,312<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember', window );">Secured borrowings | Secured Borrowing Facility</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="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="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="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="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember', window );">Secured borrowings | Fixed-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="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="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="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">4,617,743<span></span>
</td>
<td class="nump">3,585,254<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">4,617,743<span></span>
</td>
<td class="nump">3,585,254<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember', window );">Secured borrowings | Variable-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="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="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="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">827,182<span></span>
</td>
<td class="nump">650,058<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">$ 827,182<span></span>
</td>
<td class="nump">$ 650,058<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(13))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_LongtermDebtTypeAxis=us-gaap_UnsecuredDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_LongtermDebtTypeAxis=us-gaap_SecuredDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_DebtInstrumentAxis=slm_ABCPBorrowingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_TradingActivityByTypeAxis=us-gaap_FixedIncomeInterestRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>110
<FILENAME>R88.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692611576480">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings - Short-term Borrowings Narrative (Details) - Secured borrowings - USD ($)<br></strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 14, 2024</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_ABCPBorrowingsMember', window );">Fixed-rate borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity', window );">Secured borrowing facility maximum borrowing capacity</a></td>
<td class="nump">$ 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="Show.showAR( this, 'defref_slm_ResidualInterestPercentageOfFacilityTrust', window );">Residual interest percentage of facility trust</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="Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityExpirationPeriod', window );">Line of credit facility, expiration period</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LinesOfCreditCurrent', window );">Secured borrowings outstanding</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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity', window );">Secured borrowing facility maximum borrowing capacity</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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage', window );">Unused fee percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.55%<span></span>
</td>
<td class="nump">0.55%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_ResidualInterestPercentageOfFacilityTrust">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Residual Interest Percentage Of Facility Trust</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_ResidualInterestPercentageOfFacilityTrust</td>
</tr>
<tr>
<td 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-types1: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_LineOfCreditFacilityExpirationPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Period remaining on line of credit facility before it terminates, 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityExpirationPeriod</td>
</tr>
<tr>
<td style="padding-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_LineOfCreditFacilityMaximumBorrowingCapacity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fee, expressed as a percentage of the line of credit facility, for available but unused credit capacity under the credit facility.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage</td>
</tr>
<tr>
<td style="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_LinesOfCreditCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The carrying value as of the balance sheet date of the current portion of long-term obligations drawn from a line of credit, which is a bank's commitment to make loans up to a specific amount. Examples of items that might be included in the application of this element may consist of letters of credit, standby letters of credit, and revolving credit arrangements, under which borrowings can be made up to a maximum amount as of any point in time conditional on satisfaction of specified terms before, as of and after the date of drawdowns on the line. Includes short-term obligations that would normally be classified as current liabilities but for which (a) postbalance sheet date issuance of a long term obligation to refinance the short term obligation on a long term basis, or (b) the enterprise has entered into a financing agreement that clearly permits the enterprise to refinance the short-term obligation on a long term basis and the following conditions are met (1) the agreement does not expire within 1 year and is not cancelable by the lender except for violation of an objectively determinable provision, (2) no violation exists at the BS date, and (3) the lender has entered into the financing agreement is expected to be financially capable of honoring the agreement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(13))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LinesOfCreditCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DebtInstrumentAxis=slm_ABCPBorrowingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_ShortTermDebtTypeAxis=us-gaap_SecuredDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_ShortTermDebtTypeAxis=us-gaap_SecuredDebtMember</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_FloatingRateBorrowingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>111
<FILENAME>R89.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692501254320">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings - Long Term Borrowings Narrative (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="2">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>
<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. 01, 2021</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Feb. 18, 2025</div></th>
<th class="th"><div>Jan. 31, 2025</div></th>
<th class="th"><div>Nov. 30, 2024</div></th>
<th class="th"><div>Aug. 31, 2024</div></th>
<th class="th"><div>May 31, 2024</div></th>
<th class="th"><div>Aug. 31, 2023</div></th>
<th class="th"><div>Mar. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2,216,000,000<span></span>
</td>
<td class="nump">$ 1,147,000,000<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="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan Principal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,150,266,000<span></span>
</td>
<td class="nump">1,001,058,000<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="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized Interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 177,337,000<span></span>
</td>
<td class="nump">$ 68,143,000<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="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">5 years 7 months 6 days<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>
<td class="text">&#160;<span></span>
</td>
<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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes Issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 499,000,000<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="nump">$ 500,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueOctober292025Member', window );">Senior Unsecured Notes Due October 29, 2025 | Unsecured Debt | 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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="nump">4.20%<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>
<td class="text">&#160;<span></span>
</td>
<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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes Issued</a></td>
<td class="nump">$ 500,000,000<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>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest rate</a></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="Show.showAR( this, 'defref_slm_DebtInstrumentIssuancePricePercentage', window );">Issuance price</a></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="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024CMember', window );">2024-C ABS Transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes 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">$ 668,000,000<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="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan Principal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">646,550,000<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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized Interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">52,968,000<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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024EMember', window );">2024-E ABS Transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes 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">$ 868,000,000<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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan Principal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">841,355,000<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="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized Interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">69,238,000<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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024FMember', window );">2024-F ABS Transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes 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">$ 680,000,000<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="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan Principal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">662,361,000<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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized Interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">55,131,000<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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2023AMember', window );">2023-A ABS Transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes 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="nump">$ 579,000,000<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="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan Principal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 484,551,000<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="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="nump">32,856,000<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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2023CMember', window );">2023-C ABS Transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes 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="nump">$ 568,000,000<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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan Principal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">516,507,000<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="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="nump">$ 35,287,000<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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="text">&#160;<span></span>
</td>
<td class="nump">$ 10,380,000,000<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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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">3,740,000,000<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="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan Principal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,630,000,000<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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralCapitalizedInterest', window );">Capitalized Interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 107,000,000<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="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember', window );">Senior Unsecured Notes Due February XX 2028 Member | Unsecured Debt | 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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes 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">$ 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>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="nump">6.50%<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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt Instrument, Issuance Price, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Estimated weighted average life of student loans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans Pledged As Collateral, Capitalized Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans Pledged As Collateral, Principal Amount</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482900/835-30-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22)(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(f))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69E<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69F<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69F<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I<br><br>Reference 26: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2<br><br>Reference 27: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482900/835-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Subparagraph (a)<br> -Paragraph 4<br> -SubTopic 20<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481326/860-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueOctober292025Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_LongtermDebtTypeAxis=us-gaap_UnsecuredDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024CMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024CMember</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_SMBPrivateEducationLoanTrust2024EMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024EMember</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_SMBPrivateEducationLoanTrust2024FMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024FMember</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_SMBPrivateEducationLoanTrust2023AMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2023AMember</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_SMBPrivateEducationLoanTrust2023CMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2023CMember</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_ABSTransactionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_PrivateEducationLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_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_DebtInstrumentAxis=slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember</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>112
<FILENAME>R90.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692500841264">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">$ 6,440,345<span></span>
</td>
<td class="nump">$ 5,227,512<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtWeightedAverageInterestRate', window );">Weighted Average Interest Rate</a></td>
<td class="nump">4.30%<span></span>
</td>
<td class="nump">3.89%<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="Show.showAR( this, 'defref_slm_LongTermDebtWeightedAverageOutstandingBalance', window );">Average Balance</a></td>
<td class="nump">$ 5,589,120<span></span>
</td>
<td class="nump">$ 5,321,215<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">$ 827,182<span></span>
</td>
<td class="nump">$ 650,058<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtWeightedAverageInterestRate', window );">Weighted Average Interest Rate</a></td>
<td class="nump">5.71%<span></span>
</td>
<td class="nump">6.51%<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="Show.showAR( this, 'defref_slm_LongTermDebtWeightedAverageOutstandingBalance', window );">Average Balance</a></td>
<td class="nump">$ 724,761<span></span>
</td>
<td class="nump">$ 715,409<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">$ 5,613,163<span></span>
</td>
<td class="nump">$ 4,577,454<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtWeightedAverageInterestRate', window );">Weighted Average Interest Rate</a></td>
<td class="nump">4.09%<span></span>
</td>
<td class="nump">3.52%<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="Show.showAR( this, 'defref_slm_LongTermDebtWeightedAverageOutstandingBalance', window );">Average Balance</a></td>
<td class="nump">$ 4,864,359<span></span>
</td>
<td class="nump">$ 4,605,806<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Long Term Debt, Weighted Average Outstanding Balance</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(f))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69E<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69F<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69F<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I<br><br>Reference 26: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2<br><br>Reference 27: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482900/835-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>R91.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692499686576">
<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, 2024 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths', window );">Stated maturity, 2025</a></td>
<td class="nump">$ 4,086,141<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo', window );">Stated maturity, 2026</a></td>
<td class="nump">3,162,057<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree', window );">Stated maturity, 2027</a></td>
<td class="nump">1,606,381<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour', window );">Stated maturity, 2028</a></td>
<td class="nump">789,080<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive', window );">Stated maturity, 2029</a></td>
<td class="nump">1,252,527<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive', window );">Stated maturity, 2030 and after</a></td>
<td class="nump">1,764,900<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="Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountMaturityToCallDate', window );">Total principal amount, maturity to call date</a></td>
<td class="nump">12,661,086<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="Show.showAR( this, 'defref_slm_HedgeAccountingAdjustment', window );">Hedge accounting adjustments</a></td>
<td class="num">(241)<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="Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountAfterAdjustments', window );">Total principal amount, after adjustments</a></td>
<td class="nump">12,660,845<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=slm_BrokeredDepositsMember', window );">Brokered CDs</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="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="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths', window );">Stated maturity, 2025</a></td>
<td class="nump">2,763,401<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo', window );">Stated maturity, 2026</a></td>
<td class="nump">1,824,607<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree', window );">Stated maturity, 2027</a></td>
<td class="nump">783,061<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour', window );">Stated maturity, 2028</a></td>
<td class="nump">146,282<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive', window );">Stated maturity, 2029</a></td>
<td class="nump">683,748<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive', window );">Stated maturity, 2030 and after</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="Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountMaturityToCallDate', window );">Total principal amount, maturity to call date</a></td>
<td class="nump">6,201,099<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="Show.showAR( this, 'defref_slm_HedgeAccountingAdjustment', window );">Hedge accounting adjustments</a></td>
<td class="num">(241)<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="Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountAfterAdjustments', window );">Total principal amount, after adjustments</a></td>
<td class="nump">6,200,858<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths', window );">Stated maturity, 2025</a></td>
<td class="nump">498,897<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo', window );">Stated maturity, 2026</a></td>
<td class="nump">496,523<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree', window );">Stated maturity, 2027</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="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour', window );">Stated maturity, 2028</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="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive', window );">Stated maturity, 2029</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="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive', window );">Stated maturity, 2030 and after</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="Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountMaturityToCallDate', window );">Total principal amount, maturity to call date</a></td>
<td class="nump">995,420<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="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="Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountAfterAdjustments', window );">Total principal amount, after adjustments</a></td>
<td class="nump">995,420<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths', window );">Stated maturity, 2025</a></td>
<td class="nump">823,843<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo', window );">Stated maturity, 2026</a></td>
<td class="nump">840,927<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree', window );">Stated maturity, 2027</a></td>
<td class="nump">823,320<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour', window );">Stated maturity, 2028</a></td>
<td class="nump">642,798<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive', window );">Stated maturity, 2029</a></td>
<td class="nump">568,779<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive', window );">Stated maturity, 2030 and after</a></td>
<td class="nump">1,764,900<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="Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountMaturityToCallDate', window );">Total principal amount, maturity to call date</a></td>
<td class="nump">5,464,567<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="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="Show.showAR( this, 'defref_slm_DebtInstrumentFaceAmountAfterAdjustments', window );">Total principal amount, after adjustments</a></td>
<td class="nump">$ 5,464,567<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt Instrument, Face Amount, After Adjustments</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt Instrument, Face Amount, Maturity To Call Date</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Hedge Accounting Adjustment</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_us-gaap_DebtInstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(f))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69E<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69F<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69F<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I<br><br>Reference 26: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2<br><br>Reference 27: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482900/835-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_LongtermDebtTypeAxis=slm_BrokeredDepositsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_LongtermDebtTypeAxis=slm_SecuredBorrowingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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>114
<FILENAME>R92.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692503630640">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings - Secured Financing (Details) - USD ($)<br> $ in Thousands</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="5">1 Months Ended</th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Nov. 06, 2024</div></th>
<th class="th"><div>Aug. 14, 2024</div></th>
<th class="th"><div>Mar. 15, 2024</div></th>
<th class="th"><div>Aug. 16, 2023</div></th>
<th class="th"><div>Mar. 15, 2023</div></th>
<th class="th"><div>Nov. 30, 2024</div></th>
<th class="th"><div>Aug. 31, 2024</div></th>
<th class="th"><div>May 31, 2024</div></th>
<th class="th"><div>Aug. 31, 2023</div></th>
<th class="th"><div>Mar. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_DebtInstrumentLoansTransferred', window );">Loans Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2,410,734<span></span>
</td>
<td class="nump">$ 1,292,507<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes 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">2,216,000<span></span>
</td>
<td class="nump">1,147,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfDebt', window );">Proceeds from Issuance of 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="nump">2,215,612<span></span>
</td>
<td class="nump">1,139,791<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="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan 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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,150,266<span></span>
</td>
<td class="nump">1,001,058<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="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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">177,337<span></span>
</td>
<td class="nump">68,143<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total 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="nump">2,327,603<span></span>
</td>
<td class="nump">1,069,201<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2023AMember', window );">2023-A ABS Transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_DebtInstrumentLoansTransferred', window );">Loans Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 644,573<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes 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="nump">$ 579,000<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="Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfDebt', window );">Proceeds from Issuance of 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="nump">$ 571,910<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeBasisSpreadOnVariableRate', window );">Weighted Average Cost of Funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.53%<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="Show.showAR( this, 'defref_slm_DebtInstrumentWeightedAverageLife', window );">Weighted Average Life of Class A and Class B Notes (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">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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 21 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="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan 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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">484,551<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="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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">32,856<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total 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="nump">517,407<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2023CMember', window );">2023-C ABS Transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_DebtInstrumentLoansTransferred', window );">Loans Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 647,934<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes 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="nump">$ 568,000<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="Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfDebt', window );">Proceeds from Issuance of 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="nump">$ 567,881<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeBasisSpreadOnVariableRate', window );">Weighted Average Cost of Funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.69%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_DebtInstrumentWeightedAverageLife', window );">Weighted Average Life of Class A and Class B Notes (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">&#160;<span></span>
</td>
<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 11 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>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan 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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">516,507<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="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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">35,287<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total 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="nump">$ 551,794<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024CMember', window );">2024-C ABS Transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_DebtInstrumentLoansTransferred', window );">Loans Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 733,644<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes 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">$ 668,000<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="Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfDebt', window );">Proceeds from Issuance of Debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 667,888<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeBasisSpreadOnVariableRate', window );">Weighted Average Cost of Funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.19%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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="Show.showAR( this, 'defref_slm_DebtInstrumentWeightedAverageLife', window );">Weighted Average Life of Class A and Class B Notes (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">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years 4 months 9 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="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan 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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">646,550<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="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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">52,968<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total 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="nump">699,518<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="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024EMember', window );">2024-E ABS Transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_DebtInstrumentLoansTransferred', window );">Loans Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 944,645<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes 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">$ 868,000<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="Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfDebt', window );">Proceeds from Issuance of Debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 867,743<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeBasisSpreadOnVariableRate', window );">Weighted Average Cost of Funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.42%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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="Show.showAR( this, 'defref_slm_DebtInstrumentWeightedAverageLife', window );">Weighted Average Life of Class A and Class B Notes (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">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years 2 months 1 day<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan 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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">841,355<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="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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">69,238<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total 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="nump">910,593<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="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024FMember', window );">2024-F ABS Transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_DebtInstrumentLoansTransferred', window );">Loans Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 732,445<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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Notes 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">$ 680,000<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="Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfDebt', window );">Proceeds from Issuance of Debt</a></td>
<td class="nump">$ 679,981<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeBasisSpreadOnVariableRate', window );">Weighted Average Cost of Funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1.08%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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="Show.showAR( this, 'defref_slm_DebtInstrumentWeightedAverageLife', window );">Weighted Average Life of Class A and Class B Notes (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">&#160;<span></span>
</td>
<td class="text">5 years 1 month 2 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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_LoansPledgedAsCollateralPrincipalAmount', window );">Loan 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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">662,361<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="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="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">55,131<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Total 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="nump">$ 717,492<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_DebtInstrumentLoansTransferred">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt Instrument, Loans Transferred</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DebtInstrumentLoansTransferred</td>
</tr>
<tr>
<td 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_DebtInstrumentWeightedAverageLife">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt Instrument, Weighted Average Life</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_LoansPledgedAsCollateralCapitalizedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans Pledged As Collateral, Capitalized Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans Pledged As Collateral, Principal Amount</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482900/835-30-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(f))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69E<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69F<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69F<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I<br><br>Reference 26: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2<br><br>Reference 27: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482900/835-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_NotesReceivableGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost, before allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481990/310-10-45-13<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7A<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 29<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph a<br> -Subparagraph (1)<br> -Publisher SEC<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph a<br> -Subparagraph (2)<br> -Publisher SEC<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1404<br> -Paragraph a<br> -Publisher SEC<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 80<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79<br><br>Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(3)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_ProceedsFromIssuanceOfDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow during the period from additional borrowings in aggregate debt. Includes proceeds from short-term and long-term debt.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-14<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromIssuanceOfDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_SMBPrivateEducationLoanTrust2023AMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2023AMember</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_SMBPrivateEducationLoanTrust2023CMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2023CMember</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_SMBPrivateEducationLoanTrust2024CMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024CMember</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_SMBPrivateEducationLoanTrust2024EMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024EMember</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_SMBPrivateEducationLoanTrust2024FMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024FMember</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>115
<FILENAME>R93.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692505318592">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Borrowings - Financing VIEs (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">6,440,345<span></span>
</td>
<td class="nump">5,227,512<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="Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">6,440,345<span></span>
</td>
<td class="nump">5,227,512<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RestrictedCashAbstract', window );"><strong>Carrying Amount of Net 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="Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestments', window );">Restricted Cash</a></td>
<td class="nump">173,894<span></span>
</td>
<td class="nump">149,669<span></span>
</td>
<td class="nump">$ 156,719<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other Assets, Net</a></td>
<td class="nump">36,846<span></span>
</td>
<td class="nump">52,342<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Assets', window );">Total</a></td>
<td class="nump">30,072,110<span></span>
</td>
<td class="nump">29,169,468<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="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">5,444,925<span></span>
</td>
<td class="nump">4,235,312<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="Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">5,444,925<span></span>
</td>
<td class="nump">4,235,312<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RestrictedCashAbstract', window );"><strong>Carrying Amount of Net 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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans', window );">Loans</a></td>
<td class="nump">6,786,390<span></span>
</td>
<td class="nump">5,539,964<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestments', window );">Restricted Cash</a></td>
<td class="nump">173,892<span></span>
</td>
<td class="nump">149,412<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other Assets, Net</a></td>
<td class="nump">418,803<span></span>
</td>
<td class="nump">303,753<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Assets', window );">Total</a></td>
<td class="nump">7,379,085<span></span>
</td>
<td class="nump">5,993,129<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="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-Term</a></td>
<td class="nump">5,444,925<span></span>
</td>
<td class="nump">4,235,312<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="Show.showAR( this, 'defref_us-gaap_DebtLongtermAndShorttermCombinedAmount', window );">Total</a></td>
<td class="nump">5,444,925<span></span>
</td>
<td class="nump">4,235,312<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RestrictedCashAbstract', window );"><strong>Carrying Amount of Net 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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans', window );">Loans</a></td>
<td class="nump">6,786,390<span></span>
</td>
<td class="nump">5,539,964<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestments', window );">Restricted Cash</a></td>
<td class="nump">173,892<span></span>
</td>
<td class="nump">149,412<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other Assets, Net</a></td>
<td class="nump">418,705<span></span>
</td>
<td class="nump">303,653<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Assets', window );">Total</a></td>
<td class="nump">7,378,987<span></span>
</td>
<td class="nump">5,993,029<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="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=us-gaap_VariableInterestEntityPrimaryBeneficiaryMember', window );">Variable Interest Entity, Primary Beneficiary | Fixed-rate borrowings</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="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="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RestrictedCashAbstract', window );"><strong>Carrying Amount of Net 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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other Assets, Net</a></td>
<td class="nump">98<span></span>
</td>
<td class="nump">100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Assets', window );">Total</a></td>
<td class="nump">$ 98<span></span>
</td>
<td class="nump">$ 100<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Carrying Amount Of Assets Securing Debt Outstanding Loans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of asset recognized for present right to economic benefit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 48<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-48<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 49<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-49<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 270<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482964/270-10-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (ee)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-3<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-25<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 12: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 13: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-12<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(8))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 19: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481404/852-10-50-7<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30<br><br>Reference 30: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DebtInstrumentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentsAbstract</td>
</tr>
<tr>
<td style="padding-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_DebtLongtermAndShorttermCombinedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_LongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 49<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-49<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-12<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_RestrictedCashAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-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_RestrictedCashAndInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 954<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477220/954-210-45-4<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 954<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478600/954-210-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_ShortTermBorrowings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(13))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_srt_ConsolidatedEntitiesAxis=us-gaap_VariableInterestEntityPrimaryBeneficiaryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_VariableInterestEntityPrimaryBeneficiaryMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_DebtInstrumentAxis=slm_ABCPBorrowingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>116
<FILENAME>R94.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692501887376">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowings - Unconsolidated VIEs Narrative (Details) - USD ($)<br> $ in Thousands</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="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 28, 2024</div></th>
<th class="th"><div>Apr. 11, 2024</div></th>
<th class="th"><div>Apr. 09, 2024</div></th>
<th class="th"><div>Nov. 07, 2023</div></th>
<th class="th"><div>May 24, 2023</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024R1Member', window );">2024-R1 ABS transaction | 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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Loans Transferred to the Trust by Third-Party Seller</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 68,896<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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="Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional Loans the Bank Transferred to the Trust</a></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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on Sale for Additional Loans Transferred by Bank</a></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>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024BMember', window );">2024-B ABS transaction | 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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Loans Transferred to the Trust by Third-Party Seller</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 191,445<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>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional Loans the Bank Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10,132<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on Sale for Additional Loans Transferred by Bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 35<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024DMember', window );">2024-D ABS transaction | 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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Loans Transferred to the Trust by Third-Party Seller</a></td>
<td class="nump">$ 1,494,953<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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="Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional Loans the Bank Transferred to the Trust</a></td>
<td class="nump">78,782<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on Sale for Additional Loans Transferred by Bank</a></td>
<td class="nump">$ 6,051<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2023BMember', window );">2023-B ABS transaction | 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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Loans Transferred to the Trust by Third-Party Seller</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,988,277<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="Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional Loans the Bank Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">104,743<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on Sale for Additional Loans Transferred by 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="nump">$ 5,391<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="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2023DMember', window );">2023-D ABS transaction | 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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Loans Transferred to the Trust by Third-Party Seller</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 995,184<span></span>
</td>
<td class="text">&#160;<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="Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional Loans the Bank Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">52,572<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on Sale for Additional Loans Transferred by 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="nump">$ 1,570<span></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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Vertical Risk Retention, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(f))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69E<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69F<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69F<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I<br><br>Reference 26: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2<br><br>Reference 27: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482900/835-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-11<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-9<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-12<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_SMBPrivateEducationLoanTrust2024R1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024R1Member</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024BMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024BMember</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_SMBPrivateEducationLoanTrust2024DMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024DMember</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_SMBPrivateEducationLoanTrust2023BMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2023BMember</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_SMBPrivateEducationLoanTrust2023DMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2023DMember</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>R95.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692503589296">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Borrowings - Securities Financing Transactions (Details) - Private Education Loans - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Jun. 28, 2024</div></th>
<th class="th"><div>Apr. 11, 2024</div></th>
<th class="th"><div>Apr. 09, 2024</div></th>
<th class="th"><div>Mar. 13, 2024</div></th>
<th class="th"><div>Nov. 07, 2023</div></th>
<th class="th"><div>May 24, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2023BMember', window );">2023-B ABS transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityLineItems', window );"><strong>Line of Credit Facility [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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Loans Transferred to the Trust by Third-Party Seller</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,988,277<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="Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional Loans the Bank Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">104,743<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on Sale for Additional Loans Transferred by 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="nump">$ 5,391<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2023DMember', window );">2023-D ABS transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityLineItems', window );"><strong>Line of Credit Facility [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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Loans Transferred to the Trust by Third-Party Seller</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 995,184<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="Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional Loans the Bank Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">52,572<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on Sale for Additional Loans Transferred by 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="nump">$ 1,570<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="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024AMember', window );">2024-A ABS transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityLineItems', window );"><strong>Line of Credit Facility [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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Loans Transferred to the Trust by Third-Party Seller</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,988,248<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="Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional Loans the Bank Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">104,748<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on Sale for Additional Loans Transferred by 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="nump">$ 6,685<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="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024R1Member', window );">2024-R1 ABS transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityLineItems', window );"><strong>Line of Credit Facility [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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Loans Transferred to the Trust by Third-Party Seller</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 68,896<span></span>
</td>
<td class="text">&#160;<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="Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional Loans the Bank Transferred to the Trust</a></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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on Sale for Additional Loans Transferred by Bank</a></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>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024BMember', window );">2024-B ABS transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityLineItems', window );"><strong>Line of Credit Facility [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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Loans Transferred to the Trust by Third-Party Seller</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 191,445<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>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional Loans the Bank Transferred to the Trust</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">10,132<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on Sale for Additional Loans Transferred by Bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 35<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2024DMember', window );">2024-D ABS transaction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityLineItems', window );"><strong>Line of Credit Facility [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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Loans Transferred to the Trust by Third-Party Seller</a></td>
<td class="nump">$ 1,494,953<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<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="Show.showAR( this, 'defref_slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale', window );">Additional Loans the Bank Transferred to the Trust</a></td>
<td class="nump">78,782<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gain on Sale for Additional Loans Transferred by Bank</a></td>
<td class="nump">$ 6,051<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_LineOfCreditFacilityLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-6<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481544/470-10-50-6<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(f))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityLineItems</td>
</tr>
<tr>
<td style="padding-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_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-11<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-9<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-12<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_SMBPrivateEducationLoanTrust2023BMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2023BMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_DebtInstrumentAxis=slm_SMBPrivateEducationLoanTrust2023DMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2023DMember</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_SMBPrivateEducationLoanTrust2024AMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024AMember</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_SMBPrivateEducationLoanTrust2024R1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024R1Member</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_SMBPrivateEducationLoanTrust2024BMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024BMember</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_SMBPrivateEducationLoanTrust2024DMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SMBPrivateEducationLoanTrust2024DMember</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>R96.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692594036896">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">$ 1,933,226<span></span>
</td>
<td class="nump">$ 2,411,622<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Liability for unfunded commitments</a></td>
<td class="nump">84,568<span></span>
</td>
<td class="nump">112,962<span></span>
</td>
<td class="nump">$ 124,924<span></span>
</td>
<td class="nump">$ 72,713<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Estimated Fair Value</a></td>
<td class="nump">571,795<span></span>
</td>
<td class="nump">423,327<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TradingSecurities', window );">Equity Interests</a></td>
<td class="nump">53,262<span></span>
</td>
<td class="nump">54,481<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Liability for unfunded commitments</a></td>
<td class="nump">$ 625,057<span></span>
</td>
<td class="nump">$ 477,808<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(f))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69E<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69F<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69F<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I<br><br>Reference 26: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2<br><br>Reference 27: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482900/835-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 460<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482454/460-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483467/210-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>119
<FILENAME>R97.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593076624">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Borrowings - Other Borrowing Sources Narrative (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_UncommittedFederalFunds', window );">Uncommitted federal funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 125<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="Show.showAR( this, 'defref_slm_Lendablevalueofcollateral', window );">Lendable value of collateral</a></td>
<td class="nump">$ 2,200<span></span>
</td>
<td class="nump">$ 1,600<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Lendable value of collateral</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Uncommitted Federal Funds</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>120
<FILENAME>R98.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506332688">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative Financial Instruments - Narrative (Details)<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, 2024 </div>
<div>USD ($) </div>
<div>counterparty</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_NumberOfCounterparties', window );">Number of central counterparties | counterparty</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="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional value</a></td>
<td class="nump">$ 920,617,000<span></span>
</td>
<td class="nump">$ 1,906,092,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet', window );">Derivative, fair value, amount offset against collateral, net</a></td>
<td class="nump">5,000,000<span></span>
</td>
<td class="nump">9,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths', window );">Gain (loss) to be reclassified within 12 months</a></td>
<td class="num">(21,000,000)<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="Show.showAR( this, 'defref_slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet', window );">Cash collateral held relative to derivative exposure</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="Show.showAR( this, 'defref_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset', window );">Cash collateral pledged</a></td>
<td class="nump">5,000,000<span></span>
</td>
<td class="nump">$ 9,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional value</a></td>
<td class="nump">$ 850,000,000<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="Show.showAR( this, 'defref_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts', window );">Percent of total notional derivative contracts</a></td>
<td class="nump">92.30%<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="Show.showAR( this, 'defref_slm_AmountOfVariationMarginIncludedAsSettlement', window );">Amount of variation margin included as settlement</a></td>
<td class="num">$ (22,000,000)<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="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional value</a></td>
<td class="nump">$ 71,000,000<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="Show.showAR( this, 'defref_slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts', window );">Percent of total notional derivative contracts</a></td>
<td class="nump">7.70%<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="Show.showAR( this, 'defref_slm_AmountOfVariationMarginIncludedAsSettlement', window );">Amount of variation margin included as settlement</a></td>
<td class="num">$ (1,000,000)<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_AmountOfVariationMarginIncludedAsSettlement">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount Of Variation Margin Included As Settlement</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Derivative, Cash Collateral Held Relative to Derivative Exposure, Net</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet</td>
</tr>
<tr>
<td 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_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Derivative Instrument, Percent of Total Notional Derivative Contracts</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Counterparties</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The estimated net amount of existing gains or losses on cash flow hedges at the reporting date expected to be reclassified to earnings within the next 12 months.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480870/815-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_DerivativeAssetCollateralObligationToReturnCashOffset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of obligation to return cash collateral under master netting arrangements offset against derivative assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 5<br> -SubTopic 10<br> -Topic 815<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480463/815-10-45-5<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_DerivativeFairValueAmountOffsetAgainstCollateralNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480237/815-40-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-1B<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DerivativeInstrumentRiskAxis=exch_XCME">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>121
<FILENAME>R99.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692497974912">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative Assets</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="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="num">(40)<span></span>
</td>
<td class="num">(370)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Total net derivatives</a></td>
<td class="num">(40)<span></span>
</td>
<td class="num">(370)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Total net derivatives</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="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Total net derivatives</a></td>
<td class="num">(19)<span></span>
</td>
<td class="num">(339)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet', window );">Total net derivatives</a></td>
<td class="num">(21)<span></span>
</td>
<td class="num">(31)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative Assets</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="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="num">(40)<span></span>
</td>
<td class="num">(370)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative Assets</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="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="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative Assets</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="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="num">(19)<span></span>
</td>
<td class="num">(339)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative Assets</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="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="num">$ (21)<span></span>
</td>
<td class="num">$ (31)<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-12<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477439/946-210-55-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(3)(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(3)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5A<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 30: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-22<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-10<br><br>Reference 32: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 5<br> -SubTopic 10<br> -Topic 815<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480463/815-10-45-5<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 16: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(e))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G)(Footnote 8))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5A<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 28: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-22<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-10<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DerivativesFairValueLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_CashFlowHedgingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_FairValueHedgingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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>122
<FILENAME>R100.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692494597536">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Gross position</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="Show.showAR( this, 'defref_us-gaap_DerivativeAssetFairValueGrossLiability', window );">Impact of master netting agreement</a></td>
<td class="nump">0<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="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">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="Show.showAR( this, 'defref_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset', window );">Cash collateral pledged</a></td>
<td class="nump">4,879<span></span>
</td>
<td class="nump">9,228<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral', window );">Net position</a></td>
<td class="nump">4,879<span></span>
</td>
<td class="nump">9,228<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Gross position</a></td>
<td class="num">(40)<span></span>
</td>
<td class="num">(370)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityFairValueGrossAsset', window );">Impact of master netting agreement</a></td>
<td class="nump">0<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="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">(40)<span></span>
</td>
<td class="num">(370)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimCash', window );">Cash collateral pledged</a></td>
<td class="nump">0<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="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral', window );">Net position</a></td>
<td class="num">$ (40)<span></span>
</td>
<td class="num">$ (370)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Derivative Asset, Subject To Master Netting Arrangement, Collateral, Obligation To Return Cash Not Offset</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset</td>
</tr>
<tr>
<td 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_DerivativeAssetFairValueGrossLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-8<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4B<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4B<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column F))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-12<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477439/946-210-55-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(3)(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(3)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5A<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 30: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-22<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-10<br><br>Reference 32: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DerivativeAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DerivativeCollateralRightToReclaimCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 13<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-13<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-20<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4B<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4B<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-22<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-7<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4D<br> -Subparagraph (c)(2)<br> -SubTopic 20<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481326/860-20-50-4D<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value, after effect of master netting arrangement and deduction of obligation to return financial collateral not offset and financial instrument subject to master netting arrangement not offset, of financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and contract can be net settled by means outside contract or delivery of asset. Includes derivative not subject to master netting arrangement or similar agreement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 13<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-13<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4B<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4B<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-22<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-7<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4D<br> -Subparagraph (c)(2)<br> -SubTopic 20<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481326/860-20-50-4D<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value, after effect of master netting arrangement and deduction of obligation to return financial collateral not offset and financial instrument subject to master netting arrangement not offset, of financial liability or contract with one or more underlyings, notional amount or payment provision or both, and contract can be net settled by means outside contract or delivery of asset. Includes derivative not subject to master netting arrangement or similar agreement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 13<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-13<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 16: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(e))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G)(Footnote 8))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5A<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 28: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-22<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-10<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-8<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4B<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4B<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column F))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-20<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>123
<FILENAME>R101.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506165600">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">$ 920,617<span></span>
</td>
<td class="nump">$ 1,906,092<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">639,097<span></span>
</td>
<td class="nump">1,203,783<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">281,520<span></span>
</td>
<td class="nump">702,309<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">920,617<span></span>
</td>
<td class="nump">1,906,092<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">639,097<span></span>
</td>
<td class="nump">1,203,783<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Notional Values</a></td>
<td class="nump">$ 281,520<span></span>
</td>
<td class="nump">$ 702,309<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_DerivativeInstrumentsGainLossLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4E<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-1B<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_HedgingDesignationAxis=us-gaap_NondesignatedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_CashFlowHedgingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_FairValueHedgingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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>124
<FILENAME>R102.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692507279424">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_HedgedLiabilityFairValueHedge', window );">Carrying Amount of the Hedged Assets/(Liabilities)</a></td>
<td class="num">$ (279,908)<span></span>
</td>
<td class="num">$ (689,137)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="nump">$ 1,420<span></span>
</td>
<td class="nump">$ 12,910<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</table>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 181<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480401/815-10-55-181<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4EE<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4EE<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of liability hedged in fair value hedging relationship.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4EE<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4EE<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_FairValueByAssetClassAxis=us-gaap_DepositsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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>125
<FILENAME>R103.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692494610000">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DerivativeGainLossOnDerivativeNet', window );">Total</a></td>
<td class="nump">$ 26,007<span></span>
</td>
<td class="nump">$ 21,893<span></span>
</td>
<td class="nump">$ 19,698<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration', window );">Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</a></td>
<td class="text">Losses on derivatives and hedging activities, net<span></span>
</td>
<td class="text">Losses on derivatives and hedging activities, net<span></span>
</td>
<td class="text">Losses on derivatives and hedging activities, net<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings', window );">Interest recognized on derivatives</a></td>
<td class="num">$ (15,278)<span></span>
</td>
<td class="num">$ (26,054)<span></span>
</td>
<td class="nump">$ 16,308<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1', window );">Hedged items recorded in interest expense</a></td>
<td class="num">(11,490)<span></span>
</td>
<td class="num">(18,350)<span></span>
</td>
<td class="nump">82,043<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1', window );">Derivatives recorded in interest expense</a></td>
<td class="nump">11,554<span></span>
</td>
<td class="nump">18,487<span></span>
</td>
<td class="num">(82,063)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DerivativeGainLossOnDerivativeNet', window );">Total</a></td>
<td class="num">(15,214)<span></span>
</td>
<td class="num">(25,917)<span></span>
</td>
<td class="nump">16,288<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">41,221<span></span>
</td>
<td class="nump">47,810<span></span>
</td>
<td class="nump">3,658<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings', window );">Change in fair value of future interest payments recorded in earnings</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(248)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeGainLossOnDerivativeNet', window );">Total</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="num">$ (248)<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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>
<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_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 815<br> -SubTopic 25<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480238/815-25-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 815<br> -SubTopic 25<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480238/815-25-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<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_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of income or comprehensive income that includes gain (loss) from derivative.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance 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_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<tr>
<td style="padding-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_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_GainLossOnFairValueHedgesRecognizedInEarnings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<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_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest expense classified as operating and nonoperating. Includes, but is not limited to, cost of borrowing accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 48<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-48<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 49<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-49<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 270<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482964/270-10-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (ee)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-24<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483013/835-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_StatementEquityComponentsAxis=us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<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_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_HedgingDesignationAxis=us-gaap_NondesignatedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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>126
<FILENAME>R104.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692611189712">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax', window );">Amount of gain (loss) recognized in other comprehensive income (loss)</a></td>
<td class="nump">$ 10,827<span></span>
</td>
<td class="nump">$ 13,353<span></span>
</td>
<td class="nump">$ 97,389<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax', window );">Less: Amount of gain (loss) reclassified in interest expense</a></td>
<td class="nump">41,221<span></span>
</td>
<td class="nump">47,810<span></span>
</td>
<td class="nump">3,658<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="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="num">$ (30,394)<span></span>
</td>
<td class="num">$ (34,457)<span></span>
</td>
<td class="nump">$ 93,731<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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>
</tr>
<tr>
<td 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_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-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_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-11<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480627/815-20-45-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-10A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-11<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-15<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (c)<br> -SubTopic 10<br> -Topic 815<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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>127
<FILENAME>R105.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692497641968">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity - Preferred Stock (Details) - $ / shares<br> shares in Millions</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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares issued (in shares)</a></td>
<td class="nump">2.5<span></span>
</td>
<td class="nump">2.5<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="nump">$ 100<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares issued (in shares)</a></td>
<td class="nump">2.5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock | London Interbank Offered Rate (LIBOR) 1</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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock | Secured Overnight Financing Rate (SOFR)</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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePercentage', window );">Preferred stock dividend rate (as a percentage)</a></td>
<td class="nump">0.26161%<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 2: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 272<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483014/272-10-45-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 272<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482987/272-10-50-1<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-14<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 18<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-18<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(27)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_PreferredStockDividendRatePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.12-12A(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column A)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-3<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-3<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-4<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.6-05(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_LondonInterbankOfferedRateLIBOR1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_LondonInterbankOfferedRateLIBOR1Member</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_SecuredOvernightFinancingRateSofrMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SecuredOvernightFinancingRateSofrMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>128
<FILENAME>R106.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692494598688">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Stockholders' Equity - Common Stock (Details) - $ / shares<br> shares in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">1,125.0<span></span>
</td>
<td class="nump">1,125.0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">440.6<span></span>
</td>
<td class="nump">438.2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">1,125.0<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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">210.0<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="Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common stock shares outstanding (in shares)</a></td>
<td class="nump">210.0<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="Show.showAR( this, 'defref_slm_CommonSharesUnissuedButEncumbered', window );">Common shares unissued but encumbered (in shares)</a></td>
<td class="nump">33.0<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Common shares unissued but encumbered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 2: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 272<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483014/272-10-45-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 272<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482987/272-10-50-1<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-14<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 18<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-18<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(27)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.6-05(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>129
<FILENAME>R107.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593191728">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity - Common Stock Dividends (Details) - $ / shares<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareCashPaid', window );">Common stock dividend per common share (in dollars per share)</a></td>
<td class="nump">$ 0.46<span></span>
</td>
<td class="nump">$ 0.44<span></span>
</td>
<td class="nump">$ 0.44<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_CommonStockDividendsPerShareCashPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_EquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td><strong> Balance 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>130
<FILENAME>R108.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692500802528">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity - Share Repurchases (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>
<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>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Jan. 24, 2024</div></th>
<th class="th"><div>Jan. 26, 2022</div></th>
<th class="th"><div>Oct. 31, 2021</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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_srt_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="nump">$ 650,000<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="Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased under repurchase programs (in shares)</a></td>
<td class="nump">11,586,103<span></span>
</td>
<td class="nump">22,341,595<span></span>
</td>
<td class="nump">40,253,548<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockAcquiredAverageCostPerShare', window );">Average purchase price per share (in dollars per share)</a></td>
<td class="nump">$ 20.19<span></span>
</td>
<td class="nump">$ 15.46<span></span>
</td>
<td class="nump">$ 18.36<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredParValueMethod', window );">Repurchase amount</a></td>
<td class="nump">$ 250,108<span></span>
</td>
<td class="nump">$ 349,397<span></span>
</td>
<td class="nump">$ 707,742<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Common stock repurchased</a></td>
<td class="nump">$ 247,968<span></span>
</td>
<td class="nump">$ 350,264<span></span>
</td>
<td class="nump">$ 713,197<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased under repurchase programs (in shares)</a></td>
<td class="nump">11,586,103<span></span>
</td>
<td class="nump">22,341,595<span></span>
</td>
<td class="nump">40,253,548<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharePrice', window );">Share price (in dollars per share)</a></td>
<td class="nump">$ 27.58<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<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="Show.showAR( this, 'defref_srt_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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_srt_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">$ 600,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_srt_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="nump">$ 1,500,000<span></span>
</td>
<td class="nump">$ 1,250,000<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="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="nump">$ 250,000<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="Show.showAR( this, 'defref_srt_ShareRepurchaseProgramAxis=slm_A2022ShareRepurchaseProgramMember', window );">2022 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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1', window );">Remaining authority under the share repurchase program</a></td>
<td class="nump">$ 402,000<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="Show.showAR( this, 'defref_srt_ShareRepurchaseProgramAxis=slm_A2022ShareRepurchaseProgramMember', window );">2022 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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_srt_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="nump">$ 1,250,000<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="Show.showAR( this, 'defref_srt_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="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="Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Payment for delivery of common stock</a></td>
<td class="nump">$ 250,000<span></span>
</td>
<td class="nump">$ 349,000<span></span>
</td>
<td class="nump">$ 708,000<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="Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased under repurchase programs (in shares)</a></td>
<td class="nump">12,000,000<span></span>
</td>
<td class="nump">22,000,000<span></span>
</td>
<td class="nump">40,000,000<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_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_srt_StockRepurchaseProgramAuthorizedAmount1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount authorized for purchase of share under share repurchase plan. Includes, but is not limited to, repurchase of stock and unit of ownership.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 505<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481520/505-30-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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_StockRepurchaseProgramAuthorizedAmount1</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: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_ClassOfStockLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 2: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 272<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483014/272-10-45-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 272<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482987/272-10-50-1<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-14<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 18<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-18<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(27)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_SharePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharePrice</td>
</tr>
<tr>
<td style="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_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount remaining authorized for purchase of share under share repurchase plan. Includes, but is not limited to, repurchase of stock and unit of ownership.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_TreasuryStockAcquiredAverageCostPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_TreasuryStockSharesAcquired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_TreasuryStockValueAcquiredCostMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_srt_ShareRepurchaseProgramAxis=slm_A2020ShareRepurchaseProgramMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_ShareRepurchaseProgramAxis=slm_A2020ShareRepurchaseProgramMember</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_ShareRepurchaseProgramAxis=slm_A2021ShareRepurchaseProgramMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_ShareRepurchaseProgramAxis=slm_A2021ShareRepurchaseProgramMember</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_ShareRepurchaseProgramAxis=slm_A2022ShareRepurchaseProgramMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_ShareRepurchaseProgramAxis=slm_A2022ShareRepurchaseProgramMember</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_ShareRepurchaseProgramAxis=slm_Rule10b51TradingPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_ShareRepurchaseProgramAxis=slm_Rule10b51TradingPlanMember</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>131
<FILENAME>R109.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692494563952">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stockholders' Equity - Schedule of Common Share Repurchases (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Common stock repurchased under repurchase programs (in shares)</a></td>
<td class="nump">11,586,103<span></span>
</td>
<td class="nump">22,341,595<span></span>
</td>
<td class="nump">40,253,548<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="Show.showAR( this, 'defref_slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts', window );">Average purchase price per share (in dollars per share)</a></td>
<td class="nump">$ 21.59<span></span>
</td>
<td class="nump">$ 15.64<span></span>
</td>
<td class="nump">$ 17.58<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation', window );">Shares repurchased related to employee stock-based compensation plans (in shares)</a></td>
<td class="nump">749,866<span></span>
</td>
<td class="nump">1,099,241<span></span>
</td>
<td class="nump">1,135,509<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockAcquiredAverageCostPerShare', window );">Average purchase price per share (in dollars per share)</a></td>
<td class="nump">$ 20.19<span></span>
</td>
<td class="nump">$ 15.46<span></span>
</td>
<td class="nump">$ 18.36<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Issuance of common shares (in shares)</a></td>
<td class="nump">2,374,379<span></span>
</td>
<td class="nump">3,109,276<span></span>
</td>
<td class="nump">3,107,768<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ShareRepurchaseProgramAxis=slm_A2022ShareRepurchaseProgramMember', window );">2022 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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1', window );">Remaining authority under the share repurchase program</a></td>
<td class="nump">$ 402<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_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 2: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 272<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483014/272-10-45-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 272<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482987/272-10-50-1<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-14<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 18<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-18<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(27)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_SharesPaidForTaxWithholdingForShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of new stock issued during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478448/946-505-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount remaining authorized for purchase of share under share repurchase plan. Includes, but is not limited to, repurchase of stock and unit of ownership.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_TreasuryStockAcquiredAverageCostPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_TreasuryStockSharesAcquired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_srt_ShareRepurchaseProgramAxis=slm_A2022ShareRepurchaseProgramMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_ShareRepurchaseProgramAxis=slm_A2022ShareRepurchaseProgramMember</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>132
<FILENAME>R110.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692501881760">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Earnings Per Common Share (Details) - USD ($)<br> $ / shares in Units, 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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
<td class="nump">$ 608,325<span></span>
</td>
<td class="nump">$ 581,391<span></span>
</td>
<td class="nump">$ 469,014<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsIncomeStatementImpact', window );">Preferred stock dividends</a></td>
<td class="nump">18,296<span></span>
</td>
<td class="nump">17,705<span></span>
</td>
<td class="nump">9,029<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted', window );">Net income attributable to SLM Corporation common stock, diluted</a></td>
<td class="nump">590,029<span></span>
</td>
<td class="nump">563,686<span></span>
</td>
<td class="nump">459,985<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income attributable to SLM Corporation common stock, basic</a></td>
<td class="nump">$ 590,029<span></span>
</td>
<td class="nump">$ 563,686<span></span>
</td>
<td class="nump">$ 459,985<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Weighted average shares used to compute basic EPS (in shares)</a></td>
<td class="nump">216,220<span></span>
</td>
<td class="nump">231,411<span></span>
</td>
<td class="nump">258,439<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements', window );">Dilutive effect of stock options, restricted stock, restricted stock units, performance stock units, and Employee Stock Purchase Plan (&#8220;ESPP&#8221;) (in shares)</a></td>
<td class="nump">3,714<span></span>
</td>
<td class="nump">2,652<span></span>
</td>
<td class="nump">3,064<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Weighted average shares used to compute diluted EPS (in shares)</a></td>
<td class="nump">219,934<span></span>
</td>
<td class="nump">234,063<span></span>
</td>
<td class="nump">261,503<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic earnings per common share (in usd per share)</a></td>
<td class="nump">$ 2.73<span></span>
</td>
<td class="nump">$ 2.44<span></span>
</td>
<td class="nump">$ 1.78<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted earnings per common share (in usd per share)</a></td>
<td class="nump">$ 2.68<span></span>
</td>
<td class="nump">$ 2.41<span></span>
</td>
<td class="nump">$ 1.76<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Antidilutive securities excluded from computation of earnings per share, less than (in shares)</a></td>
<td class="nump">1,000<span></span>
</td>
<td class="nump">1,000<span></span>
</td>
<td class="nump">1,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_DenominatorAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Denominator [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Numerator.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 52<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482635/260-10-55-52<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482635/260-10-55-15<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-7<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-2<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-4<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-10<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 52<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482635/260-10-55-52<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482635/260-10-55-15<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-7<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-2<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-4<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480454/718-10-45-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-22<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 23<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-23<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-28A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-6<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-3<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-8<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-4<br><br>Reference 17: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-10<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479105/946-220-45-7<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 32: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483499/205-20-50-7<br><br>Reference 34: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B<br><br>Reference 37: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-4<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SAB Topic 6.B)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-5<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-10<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-11<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SAB Topic 6.B)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-5<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 16<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-16<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 40<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-40<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 40<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-40<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 40<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-40<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 40<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-40<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 16<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-16<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<TYPE>XML
<SEQUENCE>133
<FILENAME>R111.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692505728144">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Based Compensation Plans and Arrangements - Narrative (Details)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>USD ($) </div>
<div>numberOfCompensationPlan </div>
<div>shares</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($) </div>
<div>shares</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>USD ($) </div>
<div>shares</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_NumberofCompensationPlans', window );">Number of active stock-based compensation plans | numberOfCompensationPlan</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation cost</a></td>
<td class="nump">$ 39,996,000<span></span>
</td>
<td class="nump">$ 36,380,000<span></span>
</td>
<td class="nump">$ 34,461,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 23,000,000<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="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted average period for total unrecognized compensation cost</a></td>
<td class="text">1 year 6 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" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Options granted in period (in shares) | shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">86,536<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="Show.showAR( this, 'defref_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent', window );">Options granted, exercise price multiplier</a></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="Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage', window );">Vesting percentage</a></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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Vesting period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod', window );">Expiration period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<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="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="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="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="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="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="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="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="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward', window );">Company's common stock purchased by ESPP participants (in shares) | shares</a></td>
<td class="nump">227,000<span></span>
</td>
<td class="nump">195,000<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="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 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="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted average period for total unrecognized compensation cost</a></td>
<td class="text">6 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum contribution amount per employee to ESPP.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of Compensation Plans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Offering period of employee stock purchase plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense for share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 1D<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480483/718-10-35-1D<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480483/718-10-35-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iv)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(v)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (l)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Period from grant date that an equity-based award expires, 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod</td>
</tr>
<tr>
<td style="padding-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_AwardTypeAxis=slm_EmployeeStockPurchasePlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>134
<FILENAME>R112.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692498619376">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Beginning balance (in shares)</a></td>
<td class="nump">1,066,197<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod', window );">Granted (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="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Exercised (in shares)</a></td>
<td class="num">(65,668)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Canceled (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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Ending balance (in shares)</a></td>
<td class="nump">1,000,529<span></span>
</td>
<td class="nump">1,066,197<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber', window );">Exercisable (in shares)</a></td>
<td class="nump">933,223<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Beginning balance (in dollars per share)</a></td>
<td class="nump">$ 17.59<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Granted (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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice', window );">Exercised (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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice', window );">Canceled (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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Ending balance (in dollars per share)</a></td>
<td class="nump">17.59<span></span>
</td>
<td class="nump">$ 17.59<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable (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="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="Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2', window );">Weighted Average Remaining Contractual Term, Outstanding, ending balance</a></td>
<td class="text">6 years 2 months 12 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" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1', window );">Weighted Average Remaining Contractual Term, Exercisable, ending balance</a></td>
<td class="text">6 years 1 month 6 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="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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue', window );">Aggregate Intrinsic Value, Outstanding, ending balance</a></td>
<td class="nump">$ 9,997,000<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="Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1', window );">Aggregate Intrinsic Value, Exercisable, ending balance</a></td>
<td class="nump">9,267,000<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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue', window );">Total intrinsic value of options exercised</a></td>
<td class="nump">300,000<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="Show.showAR( this, 'defref_us-gaap_ProceedsFromStockOptionsExercised', window );">Cash received from option exercises</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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2A<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 718<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-14<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2A<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 718<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</table>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-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_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-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_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 718<br> -SubTopic 10<br> -Subparagraph (e)(1)<br> -Name Accounting Standards Codification<br> -Paragraph 2<br> -Section 50<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td><strong> Balance 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<tr>
<td style="padding-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>
<TYPE>XML
<SEQUENCE>135
<FILENAME>R113.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692503534320">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 23.0<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="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted average period for total unrecognized compensation cost</a></td>
<td class="text">1 year 6 months<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="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="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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Beginning balance (in shares)</a></td>
<td class="nump">83,479<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted (in shares)</a></td>
<td class="nump">77,759<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod', window );">Vested (in shares)</a></td>
<td class="num">(83,479)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod', window );">Canceled (in shares)</a></td>
<td class="num">(7,069)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Ending balance (in shares)</a></td>
<td class="nump">70,690<span></span>
</td>
<td class="nump">83,479<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Beginning balance (in dollars per share)</a></td>
<td class="nump">$ 16.47<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Granted (in dollars per share)</a></td>
<td class="nump">20.51<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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue', window );">Vested (in dollars per share)</a></td>
<td class="nump">16.47<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="Show.showAR( this, 'defref_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue', window );">Canceled (in dollars per share)</a></td>
<td class="nump">20.51<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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Ending balance (in dollars per share)</a></td>
<td class="nump">$ 20.51<span></span>
</td>
<td class="nump">$ 16.47<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 0.7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted average period for total unrecognized compensation cost</a></td>
<td class="text">6 months<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="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="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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Beginning balance (in shares)</a></td>
<td class="nump">4,346,994<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted (in shares)</a></td>
<td class="nump">2,061,763<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod', window );">Vested (in shares)</a></td>
<td class="num">(1,932,557)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod', window );">Canceled (in shares)</a></td>
<td class="num">(38,019)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Ending balance (in shares)</a></td>
<td class="nump">4,438,181<span></span>
</td>
<td class="nump">4,346,994<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Beginning balance (in dollars per share)</a></td>
<td class="nump">$ 16.39<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Granted (in dollars per share)</a></td>
<td class="nump">20.22<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue', window );">Vested (in dollars per share)</a></td>
<td class="nump">16.39<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="Show.showAR( this, 'defref_slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue', window );">Canceled (in dollars per share)</a></td>
<td class="nump">18.25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Ending balance (in dollars per share)</a></td>
<td class="nump">$ 18.16<span></span>
</td>
<td class="nump">$ 16.39<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="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">$ 32.0<span></span>
</td>
<td class="nump">$ 35.0<span></span>
</td>
<td class="nump">$ 34.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation cost</a></td>
<td class="nump">$ 22.0<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="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Weighted average period for total unrecognized compensation cost</a></td>
<td class="text">1 year 6 months<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>136
<FILENAME>R114.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692611536720">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate', window );">Risk-free interest rate</a></td>
<td class="nump">4.56%<span></span>
</td>
<td class="nump">5.31%<span></span>
</td>
<td class="nump">3.02%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate', window );">Expected volatility</a></td>
<td class="nump">27.00%<span></span>
</td>
<td class="nump">38.00%<span></span>
</td>
<td class="nump">39.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Expected dividend rate</a></td>
<td class="nump">1.99%<span></span>
</td>
<td class="nump">2.73%<span></span>
</td>
<td class="nump">2.78%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1', window );">Expected life of the option</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="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">$ 5.07<span></span>
</td>
<td class="nump">$ 4.14<span></span>
</td>
<td class="nump">$ 4.17<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iv)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 1D<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480483/718-10-35-1D<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480483/718-10-35-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iv)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(v)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_AwardTypeAxis=slm_EmployeeStockPurchasePlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>137
<FILENAME>R115.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692498814960">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">$ 53,262<span></span>
</td>
<td class="nump">$ 54,481<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">1,933,226<span></span>
</td>
<td class="nump">2,411,622<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration', window );">Derivative Asset, Statement of Financial Position [Extensible Enumeration]</a></td>
<td class="text">Other assets<span></span>
</td>
<td class="text">Other assets<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="num">$ (40)<span></span>
</td>
<td class="num">$ (370)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration', window );">Derivative Liability, Statement of Financial Position [Extensible Enumeration]</a></td>
<td class="text">Other liabilities<span></span>
</td>
<td class="text">Other liabilities<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">$ 53,262<span></span>
</td>
<td class="nump">$ 54,481<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">1,933,226<span></span>
</td>
<td class="nump">2,411,622<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total</a></td>
<td class="nump">1,986,488<span></span>
</td>
<td class="nump">2,466,103<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="num">(40)<span></span>
</td>
<td class="num">(370)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">1,930,537<span></span>
</td>
<td class="nump">2,411,622<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total</a></td>
<td class="nump">1,930,537<span></span>
</td>
<td class="nump">2,411,622<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="num">(40)<span></span>
</td>
<td class="num">(370)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">53,262<span></span>
</td>
<td class="nump">54,481<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">2,689<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="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="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total</a></td>
<td class="nump">55,951<span></span>
</td>
<td class="nump">54,481<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of asset recognized for present right to economic benefit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_AssetsFairValueDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of financial position that includes derivative asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</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_DerivativeAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-12<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477439/946-210-55-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(3)(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(3)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5A<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 30: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-22<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-10<br><br>Reference 32: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 16: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(e))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G)(Footnote 8))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5A<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 28: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-22<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-10<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of financial position that includes derivative liability.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</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_LiabilitiesFairValueDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-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_TradingSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483467/210-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</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_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FairValueInputsLevel3Member</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>138
<FILENAME>R116.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692508733312">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Measurements - Fair Value Measurement Inputs and Valuation Techniques (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward', window );"><strong>Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance, beginning of period</a></td>
<td class="nump">$ 54,481<span></span>
</td>
<td class="nump">$ 50,786<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1', window );">Included in earnings (or changes in net assets)</a></td>
<td class="nump">498<span></span>
</td>
<td class="nump">2,721<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss', window );">Included in other comprehensive income</a></td>
<td class="nump">80<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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements', window );">Settlements</a></td>
<td class="nump">892<span></span>
</td>
<td class="nump">974<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3', window );">Transfers into level 3</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3', window );">Transfers out of level 3</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance, end of period</a></td>
<td class="nump">55,951<span></span>
</td>
<td class="nump">54,481<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci', window );">Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period</a></td>
<td class="nump">80<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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss', window );">Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at the end of the reporting period</a></td>
<td class="nump">$ 478<span></span>
</td>
<td class="nump">2,721<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList', window );">Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Asset, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]</a></td>
<td class="text">Other Comprehensive Income (Loss), before Tax<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList', window );">Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</a></td>
<td class="text">Unrealized gains (losses) on cash flow hedges<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="Show.showAR( this, 'defref_us-gaap_IncomeStatementLocationAxis=us-gaap_InterestIncomeMember', window );">Interest Income - Investments</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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward', window );"><strong>Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1', window );">Included in earnings (or changes in net assets)</a></td>
<td class="nump">$ 20<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="Show.showAR( this, 'defref_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList', window );">Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</a></td>
<td class="text">Net interest loss<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="Show.showAR( this, 'defref_us-gaap_IncomeStatementLocationAxis=us-gaap_GainLossOnInvestmentsMember1', window );">Gains (losses) on securities, net</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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward', window );"><strong>Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1', window );">Included in earnings (or changes in net assets)</a></td>
<td class="nump">$ 478<span></span>
</td>
<td class="nump">$ 2,721<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList', window );">Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</a></td>
<td class="text">Gains (losses) on securities, net<span></span>
</td>
<td class="text">Gains (losses) on securities, net<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByAssetClassAxis=us-gaap_DebtSecuritiesMember', window );">Available For Sale - Debt 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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward', window );"><strong>Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance, beginning of period</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1', window );">Included in earnings (or changes in net assets)</a></td>
<td class="nump">20<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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss', window );">Included in other comprehensive income</a></td>
<td class="nump">80<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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements', window );">Settlements</a></td>
<td class="nump">2,589<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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3', window );">Transfers into level 3</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3', window );">Transfers out of level 3</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance, end of period</a></td>
<td class="nump">2,689<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="Show.showAR( this, 'defref_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci', window );">Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period</a></td>
<td class="nump">80<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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss', window );">Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at the end of the reporting period</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="Show.showAR( this, 'defref_us-gaap_FairValueByAssetClassAxis=us-gaap_RetainedInterestMember', window );">Trading - Residual Interests</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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward', window );"><strong>Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance, beginning of period</a></td>
<td class="nump">54,481<span></span>
</td>
<td class="nump">50,786<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1', window );">Included in earnings (or changes in net assets)</a></td>
<td class="nump">478<span></span>
</td>
<td class="nump">2,721<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss', window );">Included in other comprehensive income</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements', window );">Settlements</a></td>
<td class="num">(1,697)<span></span>
</td>
<td class="nump">974<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3', window );">Transfers into level 3</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3', window );">Transfers out of level 3</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="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance, end of period</a></td>
<td class="nump">53,262<span></span>
</td>
<td class="nump">54,481<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci', window );">Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period</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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss', window );">Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at the end of the reporting period</a></td>
<td class="nump">$ 478<span></span>
</td>
<td class="nump">$ 2,721<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_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized gain (loss) recognized in other comprehensive income (OCI) from asset measured at fair value on recurring basis using unobservable input (level 3) and still held.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 101<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-101<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of income or comprehensive income that includes unrealized gain (loss) from asset measured at fair value using unobservable input (level 3) and still held.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 102<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-102<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance 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_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized gain (loss) recognized in income from asset measured at fair value on recurring basis using unobservable input (level 3) and still held.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 101<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-101<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 102<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-102<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward</td>
</tr>
<tr>
<td style="padding-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_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) recognized in income from asset measured at fair value on recurring basis using unobservable input (level 3).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 101<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-101<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 102<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-102<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) recognized in other comprehensive income (OCI) from asset measured at fair value on recurring basis using unobservable input (level 3).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 101<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-101<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of settlement of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 101<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-101<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of transfer of financial instrument classified as an asset into level 3 of the fair value hierarchy.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 101<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-101<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of transfers of financial instrument classified as an asset out of level 3 of the fair value hierarchy.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 101<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-101<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 101<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-101<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of income or comprehensive income that includes gain (loss) from asset measured at fair value using unobservable input (level 3).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance 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_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement in which other comprehensive income (OCI) is reported that includes gain (loss) from asset measured at fair value using unobservable input (level 3).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance 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_IncomeStatementLocationAxis=us-gaap_InterestIncomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_IncomeStatementLocationAxis=us-gaap_InterestIncomeMember</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_IncomeStatementLocationAxis=us-gaap_GainLossOnInvestmentsMember1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_IncomeStatementLocationAxis=us-gaap_GainLossOnInvestmentsMember1</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_FairValueByAssetClassAxis=us-gaap_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_DebtSecuritiesMember</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_FairValueByAssetClassAxis=us-gaap_RetainedInterestMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_RetainedInterestMember</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>139
<FILENAME>R117.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692507075696">
<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 (Details)<br> $ in Thousands</strong></div></th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems', window );"><strong>Fair Value Measurement Inputs and Valuation Techniques [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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">$ 1,933,226<span></span>
</td>
<td class="nump">$ 2,411,622<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">53,262<span></span>
</td>
<td class="nump">$ 54,481<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level&#160;3&#160; | Valuation Technique, Discounted Cash Flow</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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems', window );"><strong>Fair Value Measurement Inputs and Valuation Techniques [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="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtSecurities', window );">Available-for-sale investments</a></td>
<td class="nump">2,689<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">53,262<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total</a></td>
<td class="nump">$ 55,951<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="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level&#160;3&#160; | Valuation Technique, Discounted Cash Flow | Minimum | Measurement Input, Prepayment Rate</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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems', window );"><strong>Fair Value Measurement Inputs and Valuation Techniques [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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput', window );">Debt Securities</a></td>
<td class="nump">0.069<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesTradingMeasurementInput', window );">Measurement input</a></td>
<td class="nump">0.069<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="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level&#160;3&#160; | Valuation Technique, Discounted Cash Flow | Minimum | Measurement Input, Default Rate</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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems', window );"><strong>Fair Value Measurement Inputs and Valuation Techniques [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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput', window );">Debt Securities</a></td>
<td class="nump">0.040<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesTradingMeasurementInput', window );">Measurement input</a></td>
<td class="nump">0.040<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="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level&#160;3&#160; | Valuation Technique, Discounted Cash Flow | Maximum | Measurement Input, Prepayment Rate</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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems', window );"><strong>Fair Value Measurement Inputs and Valuation Techniques [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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput', window );">Debt Securities</a></td>
<td class="nump">0.110<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesTradingMeasurementInput', window );">Measurement input</a></td>
<td class="nump">0.110<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="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level&#160;3&#160; | Valuation Technique, Discounted Cash Flow | Maximum | Measurement Input, Default Rate</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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems', window );"><strong>Fair Value Measurement Inputs and Valuation Techniques [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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput', window );">Debt Securities</a></td>
<td class="nump">0.170<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesTradingMeasurementInput', window );">Measurement input</a></td>
<td class="nump">0.170<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="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level&#160;3&#160; | Valuation Technique, Discounted Cash Flow | Weighted Average | Measurement Input, Prepayment Rate</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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems', window );"><strong>Fair Value Measurement Inputs and Valuation Techniques [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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput', window );">Debt Securities</a></td>
<td class="nump">0.083<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesTradingMeasurementInput', window );">Measurement input</a></td>
<td class="nump">0.083<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="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Level&#160;3&#160; | Valuation Technique, Discounted Cash Flow | Weighted Average | Measurement Input, Default Rate</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="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems', window );"><strong>Fair Value Measurement Inputs and Valuation Techniques [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="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput', window );">Debt Securities</a></td>
<td class="nump">0.115<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesTradingMeasurementInput', window );">Measurement input</a></td>
<td class="nump">0.115<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_AssetsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of asset recognized for present right to economic benefit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_AvailableForSaleSecuritiesDebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DebtSecuritiesAvailableForSaleMeasurementInput">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of input used to measure 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</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_DebtSecuritiesTradingMeasurementInput">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of input used to measure 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesTradingMeasurementInput</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</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_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems</td>
</tr>
<tr>
<td style="padding-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_TradingSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483467/210-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_FairValueInputsLevel3Member</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_ValuationTechniqueAxis=us-gaap_ValuationTechniqueDiscountedCashFlowMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_ValuationTechniqueAxis=us-gaap_ValuationTechniqueDiscountedCashFlowMember</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_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_MinimumMember</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_MeasurementInputTypeAxis=us-gaap_MeasurementInputPrepaymentRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_MeasurementInputTypeAxis=us-gaap_MeasurementInputPrepaymentRateMember</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_MeasurementInputTypeAxis=us-gaap_MeasurementInputDefaultRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_MeasurementInputTypeAxis=us-gaap_MeasurementInputDefaultRateMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_WeightedAverageMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_WeightedAverageMember</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>140
<FILENAME>R118.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692499025760">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">$ 53,262<span></span>
</td>
<td class="nump">$ 54,481<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="Show.showAR( this, 'defref_slm_AccruedInterestReceivableFairValueDisclosureDifference', window );">Accrued interest receivable, difference</a></td>
<td class="nump">116,884<span></span>
</td>
<td class="nump">68,862<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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 custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue', window );">Total earning assets, difference</a></td>
<td class="nump">3,325,107<span></span>
</td>
<td class="nump">2,534,325<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue', window );">Long-term borrowings, difference</a></td>
<td class="nump">116,961<span></span>
</td>
<td class="nump">353,822<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="nump">40<span></span>
</td>
<td class="nump">370<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="Show.showAR( this, 'defref_slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue', window );">Total interest-bearing liabilities, difference</a></td>
<td class="nump">86,316<span></span>
</td>
<td class="nump">489,912<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="Show.showAR( this, 'defref_slm_ExcessOfNetAssetFairValueOverCarryingValue', window );">Excess of net asset fair value over carrying value</a></td>
<td class="nump">3,411,423<span></span>
</td>
<td class="nump">3,024,237<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue', window );">Deposits, difference</a></td>
<td class="nump">22,593<span></span>
</td>
<td class="nump">68,409<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue', window );">Deposits, difference</a></td>
<td class="num">(53,238)<span></span>
</td>
<td class="nump">67,681<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">4,700,366<span></span>
</td>
<td class="nump">4,149,838<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">53,262<span></span>
</td>
<td class="nump">54,481<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Available-for-sale investments</a></td>
<td class="nump">1,933,226<span></span>
</td>
<td class="nump">2,411,622<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="Show.showAR( this, 'defref_slm_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="nump">1,663,474<span></span>
</td>
<td class="nump">1,448,766<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total</a></td>
<td class="nump">32,460,709<span></span>
</td>
<td class="nump">30,836,527<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_LongTermDebtFairValue', window );">Long-term borrowings</a></td>
<td class="nump">6,323,384<span></span>
</td>
<td class="nump">4,873,690<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="nump">108,488<span></span>
</td>
<td class="nump">105,066<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="nump">40<span></span>
</td>
<td class="nump">370<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialLiabilitiesFairValueDisclosure', window );">Total interest-bearing liabilities</a></td>
<td class="nump">27,529,309<span></span>
</td>
<td class="nump">26,494,693<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">10,503,731<span></span>
</td>
<td class="nump">11,134,883<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">10,593,666<span></span>
</td>
<td class="nump">10,380,684<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">4,700,366<span></span>
</td>
<td class="nump">4,149,838<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">53,262<span></span>
</td>
<td class="nump">54,481<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Available-for-sale investments</a></td>
<td class="nump">1,933,226<span></span>
</td>
<td class="nump">2,411,622<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="Show.showAR( this, 'defref_slm_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
<td class="nump">1,546,590<span></span>
</td>
<td class="nump">1,379,904<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total</a></td>
<td class="nump">29,135,602<span></span>
</td>
<td class="nump">28,302,202<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_LongTermDebtFairValue', window );">Long-term borrowings</a></td>
<td class="nump">6,440,345<span></span>
</td>
<td class="nump">5,227,512<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
<td class="nump">108,488<span></span>
</td>
<td class="nump">105,066<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative instruments</a></td>
<td class="nump">40<span></span>
</td>
<td class="nump">370<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialLiabilitiesFairValueDisclosure', window );">Total interest-bearing liabilities</a></td>
<td class="nump">27,615,625<span></span>
</td>
<td class="nump">26,984,605<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">10,526,324<span></span>
</td>
<td class="nump">11,203,292<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">10,540,428<span></span>
</td>
<td class="nump">10,448,365<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue', window );">Loans held for investment, net, difference</a></td>
<td class="nump">3,208,223<span></span>
</td>
<td class="nump">2,456,752<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Private Education Loans</a></td>
<td class="nump">24,110,381<span></span>
</td>
<td class="nump">22,229,045<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Private Education Loans</a></td>
<td class="nump">20,902,158<span></span>
</td>
<td class="nump">19,772,293<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue', window );">Loans held for investment, net, difference</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">8,711<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Private Education Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">542,775<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Private Education Loans</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 534,064<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accrued Interest Receivable, Fair Value Disclosure</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accrued Interest Receivable, Fair Value Disclosure, Difference</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Excess of net asset fair value over carrying value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loans Receivable, Fair Value Disclosure, Difference</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of accrued expenses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of asset recognized for present right to economic benefit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 103<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 100<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-100<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-12<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477439/946-210-55-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(3)(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(3)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5A<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 30: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-22<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-10<br><br>Reference 32: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 16: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478795/946-210-50-6<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(e))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G)(Footnote 8))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5C<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5A<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477271/946-320-S99-5B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483466/210-20-50-3<br><br>Reference 28: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-22<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483444/210-20-55-10<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_InvestmentsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2E<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_LoansReceivableFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_TradingSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483467/210-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>141
<FILENAME>R119.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593351904">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Measurements - Narrative (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [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="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesDebt', window );">Trading investments</a></td>
<td class="nump">$ 53,262<span></span>
</td>
<td class="nump">$ 54,481<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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements', window );">Settlements</a></td>
<td class="nump">$ 892<span></span>
</td>
<td class="nump">$ 974<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Vertical Risk Retention, Percentage</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems</td>
</tr>
<tr>
<td style="padding-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_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of settlement of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 101<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482078/820-10-55-101<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_TradingSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481830/320-10-45-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483467/210-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>142
<FILENAME>R120.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692503368784">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Regulatory Capital - Narrative (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</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="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="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">$ 1,435,920<span></span>
</td>
<td class="nump">$ 1,339,772<span></span>
</td>
<td class="nump">$ 1,357,075<span></span>
</td>
<td class="nump">$ 1,165,335<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Liability for unfunded commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">84,568<span></span>
</td>
<td class="nump">112,962<span></span>
</td>
<td class="nump">124,924<span></span>
</td>
<td class="nump">$ 72,713<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Deferred tax asset</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">465,379<span></span>
</td>
<td class="nump">433,581<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss', window );">Unrealized gain (loss)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(83,000)<span></span>
</td>
<td class="num">(115,000)<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="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax', window );">Gain (loss) OCI after adjustment tax</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(27,000)<span></span>
</td>
<td class="num">(37,000)<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="Show.showAR( this, 'defref_us-gaap_Dividends', window );">Dividends</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 570,000<span></span>
</td>
<td class="nump">$ 550,000<span></span>
</td>
<td class="nump">$ 700,000<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="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="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="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="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="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="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Liability for 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="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', 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="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>
</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Adoption Of New Accounting Pronouncements, Percent Deferred</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Period Of Deferment For Adoption Of New Accounting Pronouncements</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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>
</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_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-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_DebtSecuritiesAvailableForSaleUnrealizedGainLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount 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).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481800/320-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_DeferredTaxAssetsLiabilitiesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_Dividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -SubTopic 405<br> -Topic 942<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477787/942-405-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 460<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482454/460-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after adjustment, of tax expense (benefit) for 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 tax expense (benefit) for 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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-10A<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-10A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_AdjustmentsForNewAccountingPronouncementsAxis=us-gaap_AccountingStandardsUpdate201613Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<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>143
<FILENAME>R121.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692505316256">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Regulatory Capital - Adjusted Transition Amounts (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">$ 4,114,446<span></span>
</td>
<td class="nump">$ 3,624,859<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses</a></td>
<td class="nump">1,435,920<span></span>
</td>
<td class="nump">1,339,772<span></span>
</td>
<td class="nump">$ 1,357,075<span></span>
</td>
<td class="nump">$ 1,165,335<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Liability for unfunded commitments</a></td>
<td class="nump">84,568<span></span>
</td>
<td class="nump">112,962<span></span>
</td>
<td class="nump">124,924<span></span>
</td>
<td class="nump">72,713<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Deferred tax asset</a></td>
<td class="nump">465,379<span></span>
</td>
<td class="nump">433,581<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="Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember', window );">Cumulative Effect, Period Of Adoption, Adjusted Phase-In Amounts Remaining</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">209,087<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">836,351<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses</a></td>
<td class="nump">259,537<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,038,145<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Liability for unfunded commitments</a></td>
<td class="nump">26,094<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">104,377<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Deferred tax asset</a></td>
<td class="nump">76,544<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 306,171<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember', window );">Adjustments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="num">(209,088)<span></span>
</td>
<td class="num">(209,088)<span></span>
</td>
<td class="num">(209,088)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for loan losses</a></td>
<td class="num">(259,536)<span></span>
</td>
<td class="num">(259,536)<span></span>
</td>
<td class="num">(259,536)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditLossLiability', window );">Liability for unfunded commitments</a></td>
<td class="num">(26,095)<span></span>
</td>
<td class="num">(26,094)<span></span>
</td>
<td class="num">(26,094)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Deferred tax asset</a></td>
<td class="num">$ (76,543)<span></span>
</td>
<td class="num">$ (76,542)<span></span>
</td>
<td class="num">$ (76,542)<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_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-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_DeferredTaxAssetsLiabilitiesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_OffBalanceSheetCreditLossLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479344/326-20-45-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 460<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482454/460-10-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_RetainedEarningsAccumulatedDeficit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated undistributed earnings (deficit).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480990/946-20-50-11<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_srt_CumulativeEffectPeriodOfAdoptionAxis=slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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=slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember</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_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>144
<FILENAME>R122.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692502175552">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Regulatory Capital - U.S. Basel III Regulatory Requirements (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_CommonEquityTierOneRiskBasedCapital', window );">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">$ 2,957,067<span></span>
</td>
<td class="nump">$ 3,019,973<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">2,957,067<span></span>
</td>
<td class="nump">3,019,973<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Capital', window );">Total Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">3,294,663<span></span>
</td>
<td class="nump">3,334,140<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Tier 1 Capital (to Average Assets)</a></td>
<td class="nump">$ 2,957,067<span></span>
</td>
<td class="nump">$ 3,019,973<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_TierOneCommonEquityCapitaltoRiskWeightedAssets', window );">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">11.30%<span></span>
</td>
<td class="nump">12.30%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">0.113<span></span>
</td>
<td class="nump">0.123<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">0.126<span></span>
</td>
<td class="nump">0.136<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 Capital (to Average Assets)</a></td>
<td class="nump">0.097<span></span>
</td>
<td class="nump">0.102<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized', window );">Common Equity Tier 1 Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">$ 1,827,318<span></span>
</td>
<td class="nump">$ 1,719,621<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">2,218,886<span></span>
</td>
<td class="nump">2,088,111<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">Total Capital (to Risk-Weighted Assets)</a></td>
<td class="nump">2,740,976<span></span>
</td>
<td class="nump">2,579,432<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (to Average Assets)</a></td>
<td class="nump">$ 1,213,505<span></span>
</td>
<td class="nump">$ 1,184,213<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets', window );">Common Equity Tier 1 Capital (to Risk-Weighted 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="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Common Equity Tier One Risk Based Capital</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tier One Common Equity Capital to Risk Weighted Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of total capital as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>145
<FILENAME>R123.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692510498720">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount', window );">Employer contribution amount</a></td>
<td class="nump">$ 10<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Type 1 of Defined Contribution Plan</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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-types1: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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 70<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480794/715-70-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>146
<FILENAME>R124.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506539120">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Commitments, Contingencies and Guarantees (Details)<br> $ in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2024 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments and Contingencies Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ContractualObligation', window );">Contractual obligation</a></td>
<td class="nump">$ 2,300<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="Show.showAR( this, 'defref_slm_OtherLiabilitiesReserve', window );">Other liabilities reserve</a></td>
<td class="nump">$ 85<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Liabilities Reserve</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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>
</table>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of contractual obligation, including, but not limited to, long-term debt, lease obligation, purchase obligation, and other commitments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>147
<FILENAME>R125.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692502782368">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes', window );">State tax, net of federal benefit</a></td>
<td class="nump">2.30%<span></span>
</td>
<td class="nump">3.80%<span></span>
</td>
<td class="nump">4.10%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits', window );">Business credits</a></td>
<td class="num">(2.00%)<span></span>
</td>
<td class="num">(1.30%)<span></span>
</td>
<td class="num">(1.50%)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments', window );">Other, net</a></td>
<td class="nump">2.50%<span></span>
</td>
<td class="nump">1.80%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations', window );">Effective tax rate</a></td>
<td class="nump">23.80%<span></span>
</td>
<td class="nump">25.30%<span></span>
</td>
<td class="nump">25.60%<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_EffectiveIncomeTaxRateContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 231<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-231<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 231<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-231<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.1.Q1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 231<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-231<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 231<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-231<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12A<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12A<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12A<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12A<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12A<br> -Subparagraph (a)(5)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12A<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>148
<FILENAME>R126.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692494619712">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Income Taxes - Narrative (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</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="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="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="Show.showAR( this, 'defref_us-gaap_OperatingLossCarryforwardsValuationAllowance', window );">Operating loss carryforwards, valuation allowance</a></td>
<td class="nump">$ 234,000<span></span>
</td>
<td class="nump">$ 223,000<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="Show.showAR( this, 'defref_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount', window );">Valuation allowance</a></td>
<td class="nump">234,000<span></span>
</td>
<td class="nump">223,000<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="Show.showAR( this, 'defref_slm_OperatingLossCarryforwardsCapitalLoss', window );">Capital loss</a></td>
<td class="nump">23,000<span></span>
</td>
<td class="nump">18,000<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="Show.showAR( this, 'defref_slm_CapitalLossValuationAllowance', window );">Net unrealized losses in valuation allowance</a></td>
<td class="nump">5,000<span></span>
</td>
<td class="nump">4,000<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="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefits', window );">Unrecognized tax benefits</a></td>
<td class="nump">48,407<span></span>
</td>
<td class="nump">68,123<span></span>
</td>
<td class="nump">$ 79,366<span></span>
</td>
<td class="nump">$ 75,328<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate', window );">Unrecognized tax benefits recognition impact on effective tax rate</a></td>
<td class="nump">39,000<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="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued', window );">Interest on income taxes accrued net of related benefit</a></td>
<td class="nump">11,000<span></span>
</td>
<td class="nump">8,000<span></span>
</td>
<td class="nump">8,000<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="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense', window );">Interest on income tax expense net of related tax benefit</a></td>
<td class="nump">3,000<span></span>
</td>
<td class="nump">$ 2,000<span></span>
</td>
<td class="num">$ (2,000)<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="Show.showAR( this, 'defref_us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible', window );">Possible decrease in uncertain tax position</a></td>
<td class="nump">$ 11,000<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="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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_CapitalLossValuationAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Capital Loss, Valuation Allowance</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_CapitalLossValuationAllowance</td>
</tr>
<tr>
<td 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_CombinationOfSubsidiariesTaxYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Combination of subsidiaries tax years.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Operating Loss Carryforwards, Capital Loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (d)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 231<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-231<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.1.Q1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (d)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of unrecognized tax benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 217<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-217<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482525/740-10-45-10B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 217<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-217<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_MinimumMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>149
<FILENAME>R127.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692500890656">
<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="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CurrentFederalTaxExpenseBenefit', window );">Federal</a></td>
<td class="nump">$ 181,132<span></span>
</td>
<td class="nump">$ 175,977<span></span>
</td>
<td class="nump">$ 205,954<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CurrentStateAndLocalTaxExpenseBenefit', window );">State</a></td>
<td class="nump">43,506<span></span>
</td>
<td class="nump">44,152<span></span>
</td>
<td class="nump">49,427<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CurrentIncomeTaxExpenseBenefit', window );">Total current provision (benefit)</a></td>
<td class="nump">224,638<span></span>
</td>
<td class="nump">220,129<span></span>
</td>
<td class="nump">255,381<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredFederalIncomeTaxExpenseBenefit', window );">Federal</a></td>
<td class="num">(19,032)<span></span>
</td>
<td class="num">(20,687)<span></span>
</td>
<td class="num">(75,978)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit', window );">State</a></td>
<td class="num">(15,295)<span></span>
</td>
<td class="num">(2,537)<span></span>
</td>
<td class="num">(17,692)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Total deferred provision (benefit)</a></td>
<td class="num">(34,327)<span></span>
</td>
<td class="num">(23,224)<span></span>
</td>
<td class="num">(93,670)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income tax expense</a></td>
<td class="nump">$ 190,311<span></span>
</td>
<td class="nump">$ 196,905<span></span>
</td>
<td class="nump">$ 161,711<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_CurrentFederalTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of current federal tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, current national tax expense (benefit) for non-US (United States of America) jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
<td>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_CurrentIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-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_CurrentStateAndLocalTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of current state and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, current regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentStateAndLocalTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_DeferredFederalIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred federal tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, deferred national tax expense (benefit) for non-US (United States of America) jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredFederalIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-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_DeferredStateAndLocalIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred state and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, deferred regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 270<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482964/270-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (ee)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 231<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-231<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-9<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-8<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-10<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -SubTopic 20<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482659/740-20-45-2<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -SubTopic 10<br> -Topic 235<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>150
<FILENAME>R128.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692593304048">
<tr>
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsNetAbstract', window );"><strong>Deferred tax 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="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses', window );">Loan reserves</a></td>
<td class="nump">$ 376,029<span></span>
</td>
<td class="nump">$ 354,412<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities', window );">Net unrealized losses</a></td>
<td class="nump">21,209<span></span>
</td>
<td class="nump">24,176<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities', window );">Accrued expenses not currently deductible</a></td>
<td class="nump">19,841<span></span>
</td>
<td class="nump">16,297<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="Show.showAR( this, 'defref_slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits', window );">Unrecorded tax benefits</a></td>
<td class="nump">12,008<span></span>
</td>
<td class="nump">11,568<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment', window );">Research and development costs</a></td>
<td class="nump">38,119<span></span>
</td>
<td class="nump">26,519<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost', window );">Stock-based compensation plans</a></td>
<td class="nump">12,885<span></span>
</td>
<td class="nump">10,847<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets', window );">Acquired intangible assets</a></td>
<td class="nump">16,394<span></span>
</td>
<td class="nump">14,536<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards', window );">Operating loss carryovers</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">26<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="Show.showAR( this, 'defref_slm_DeferredTaxAssetsOtherIncludingValuationAllowance', window );">Other</a></td>
<td class="nump">1,785<span></span>
</td>
<td class="nump">1,426<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsNet', window );">Total deferred tax assets</a></td>
<td class="nump">498,270<span></span>
</td>
<td class="nump">459,807<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet', window );">Student loan premiums and discounts, net</a></td>
<td class="nump">22,873<span></span>
</td>
<td class="nump">15,908<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment', window );">Fixed assets</a></td>
<td class="nump">7,708<span></span>
</td>
<td class="nump">8,533<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="Show.showAR( this, 'defref_slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable', window );">Federal deferred for state receivable</a></td>
<td class="nump">1,908<span></span>
</td>
<td class="nump">1,171<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesOther', window );">Other</a></td>
<td class="nump">402<span></span>
</td>
<td class="nump">614<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxLiabilities', window );">Total deferred tax liabilities</a></td>
<td class="nump">32,891<span></span>
</td>
<td class="nump">26,226<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax assets</a></td>
<td class="nump">$ 465,379<span></span>
</td>
<td class="nump">$ 433,581<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred tax assets other including valuation allowance.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Liabilities, Federal Deferred for State Receivable</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Liabilities, Student Loan Premiums and Discounts, Net</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-2<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(15)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DeferredTaxAssetsGoodwillAndIntangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from intangible assets including goodwill.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_DeferredTaxAssetsInProcessResearchAndDevelopment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from in-process research and development cost acquired in business combination or from joint venture formation or both.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_DeferredTaxAssetsNetAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-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_DeferredTaxAssetsOperatingLossCarryforwards">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<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_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_DeferredTaxLiabilitiesOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_DeferredTaxLiabilitiesPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from property, plant, and equipment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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>151
<FILENAME>R129.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692506322496">
<tr>
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward', window );"><strong>Unrecognized Tax Benefits [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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefits', window );">Unrecognized tax benefits at beginning of year</a></td>
<td class="nump">$ 68,123<span></span>
</td>
<td class="nump">$ 79,366<span></span>
</td>
<td class="nump">$ 75,328<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions', window );">Increases resulting from tax positions taken during a prior period</a></td>
<td class="nump">1,232<span></span>
</td>
<td class="nump">1,204<span></span>
</td>
<td class="nump">6,049<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions', window );">Decreases resulting from tax positions taken during a prior period</a></td>
<td class="num">(1,890)<span></span>
</td>
<td class="num">(250)<span></span>
</td>
<td class="num">(1,327)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions', window );">Increases resulting from tax positions taken during the current period</a></td>
<td class="nump">3,218<span></span>
</td>
<td class="nump">2,711<span></span>
</td>
<td class="nump">11,032<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities', window );">Decreases related to settlements with taxing authorities</a></td>
<td class="num">(18,349)<span></span>
</td>
<td class="num">(10,089)<span></span>
</td>
<td class="num">(4,666)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations', window );">Reductions related to the lapse of statute of limitations</a></td>
<td class="num">(3,927)<span></span>
</td>
<td class="num">(4,819)<span></span>
</td>
<td class="num">(7,050)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefits', window );">Unrecognized tax benefits at end of year</a></td>
<td class="nump">$ 48,407<span></span>
</td>
<td class="nump">$ 68,123<span></span>
</td>
<td class="nump">$ 79,366<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of unrecognized tax benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 217<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-217<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482525/740-10-45-10B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 217<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-217<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 217<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-217<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 217<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-217<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 217<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-217<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-15A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>152
<FILENAME>R130.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692502503152">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Concentrations of Risk (Details)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RisksAndUncertaintiesAbstract', window );"><strong>Risks and Uncertainties [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="Show.showAR( this, 'defref_slm_BrokeredDepositPercent', window );">Percent of brokered deposit</a></td>
<td class="nump">45.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_BrokeredDepositPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Brokered Deposit, Percent</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_BrokeredDepositPercent</td>
</tr>
<tr>
<td 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_RisksAndUncertaintiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RisksAndUncertaintiesAbstract</td>
</tr>
<tr>
<td style="padding-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>153
<FILENAME>R131.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692498576128">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Parent Only Statements - Balance Sheets (Details) - USD ($)<br> $ / shares in Units, $ in Thousands, shares in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">$ 4,700,366<span></span>
</td>
<td class="nump">$ 4,149,838<span></span>
</td>
<td class="nump">$ 4,616,117<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">36,846<span></span>
</td>
<td class="nump">52,342<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="Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">30,072,110<span></span>
</td>
<td class="nump">29,169,468<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term borrowings</a></td>
<td class="nump">6,440,345<span></span>
</td>
<td class="nump">5,227,512<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">403,277<span></span>
</td>
<td class="nump">407,971<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="Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">27,912,190<span></span>
</td>
<td class="nump">27,288,671<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquityAbstract', window );"><strong>Equity</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="Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 440.6 million and 438.2 million shares issued, respectively</a></td>
<td class="nump">88,121<span></span>
</td>
<td class="nump">87,647<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
<td class="nump">1,193,753<span></span>
</td>
<td class="nump">1,148,689<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss (net of tax benefit of $(21,209) and $(24,176), respectively)</a></td>
<td class="num">(65,861)<span></span>
</td>
<td class="num">(75,104)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">4,114,446<span></span>
</td>
<td class="nump">3,624,859<span></span>
</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="Show.showAR( this, 'defref_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock', window );">Total SLM Corporation stockholders&#8217; equity before treasury stock</a></td>
<td class="nump">5,581,529<span></span>
</td>
<td class="nump">5,037,161<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockCommonValue', window );">Less: Common stock held in treasury at cost: 230.2 million and 217.9 million shares, respectively</a></td>
<td class="num">(3,421,609)<span></span>
</td>
<td class="num">(3,156,364)<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="Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Total equity</a></td>
<td class="nump">2,159,920<span></span>
</td>
<td class="nump">1,880,797<span></span>
</td>
<td class="nump">1,726,970<span></span>
</td>
<td class="nump">$ 2,149,711<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and equity</a></td>
<td class="nump">$ 30,072,110<span></span>
</td>
<td class="nump">$ 29,169,468<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par or 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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized (in shares)</a></td>
<td class="nump">20.0<span></span>
</td>
<td class="nump">20.0<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="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="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="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="Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">1,125.0<span></span>
</td>
<td class="nump">1,125.0<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="Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">440.6<span></span>
</td>
<td class="nump">438.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AociTaxAttributableToParent', window );">Accumulated other comprehensive income, tax</a></td>
<td class="nump">$ 21,209<span></span>
</td>
<td class="nump">$ 24,176<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockCommonShares', window );">Common stock held in treasury (in shares)</a></td>
<td class="nump">230.2<span></span>
</td>
<td class="nump">217.9<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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquityAbstract', window );"><strong>Equity</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="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>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">$ 391,481<span></span>
</td>
<td class="nump">$ 237,857<span></span>
</td>
<td class="nump">$ 196,820<span></span>
</td>
<td class="nump">$ 570,726<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="Show.showAR( this, 'defref_slm_InvestmentinSubsidiary', window );">Total investments in subsidiaries (primarily Sallie Mae Bank)</a></td>
<td class="nump">2,773,211<span></span>
</td>
<td class="nump">2,628,838<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="Show.showAR( this, 'defref_slm_DuefromSubsidiaresNet', window );">Due from subsidiaries, net</a></td>
<td class="nump">43,556<span></span>
</td>
<td class="nump">63,679<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">2,165<span></span>
</td>
<td class="nump">2,270<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="Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">3,210,413<span></span>
</td>
<td class="nump">2,932,644<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term borrowings</a></td>
<td class="nump">995,420<span></span>
</td>
<td class="nump">992,200<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TaxesPayableCurrentAndNoncurrent', window );">Income taxes payable, net</a></td>
<td class="nump">22,440<span></span>
</td>
<td class="nump">26,701<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">32,633<span></span>
</td>
<td class="nump">32,946<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="Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">1,050,493<span></span>
</td>
<td class="nump">1,051,847<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquityAbstract', window );"><strong>Equity</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="Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $0.20 per share, 1.125 billion shares authorized: 440.6 million and 438.2 million shares issued, respectively</a></td>
<td class="nump">88,121<span></span>
</td>
<td class="nump">87,647<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
<td class="nump">1,193,753<span></span>
</td>
<td class="nump">1,148,689<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss (net of tax benefit of $(21,209) and $(24,176), respectively)</a></td>
<td class="num">(65,861)<span></span>
</td>
<td class="num">(75,104)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">4,114,446<span></span>
</td>
<td class="nump">3,624,859<span></span>
</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="Show.showAR( this, 'defref_slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock', window );">Total SLM Corporation stockholders&#8217; equity before treasury stock</a></td>
<td class="nump">5,581,529<span></span>
</td>
<td class="nump">5,037,161<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockCommonValue', window );">Less: Common stock held in treasury at cost: 230.2 million and 217.9 million shares, respectively</a></td>
<td class="num">(3,421,609)<span></span>
</td>
<td class="num">(3,156,364)<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="Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Total equity</a></td>
<td class="nump">2,159,920<span></span>
</td>
<td class="nump">1,880,797<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="Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and equity</a></td>
<td class="nump">$ 3,210,413<span></span>
</td>
<td class="nump">$ 2,932,644<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par or 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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized (in shares)</a></td>
<td class="nump">20.0<span></span>
</td>
<td class="nump">20.0<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="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">1,125.0<span></span>
</td>
<td class="nump">1,125.0<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="Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">440.6<span></span>
</td>
<td class="nump">438.2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AociTaxAttributableToParent', window );">Accumulated other comprehensive income, tax</a></td>
<td class="nump">$ 21,209<span></span>
</td>
<td class="num">$ (24,176)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockCommonShares', window );">Common stock held in treasury (in shares)</a></td>
<td class="nump">230.2<span></span>
</td>
<td class="nump">217.9<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="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="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquityAbstract', window );"><strong>Equity</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="Show.showAR( this, 'defref_us-gaap_PreferredStockValue', 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>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued (in shares)</a></td>
<td class="nump">2.5<span></span>
</td>
<td class="nump">2.5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="nump">$ 100<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Due from Subsidiares, Net</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Investment in Subsidiary</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<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_StockholdersEquityAttributabletoParentExcludingTreasuryStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Stockholders' Equity Attributable to Parent, Excluding Treasury Stock</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax, of accumulated increase (decrease) in equity from transaction and other event and circumstance from nonowner source.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-14A<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-14<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_AociTaxAttributableToParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of asset recognized for present right to economic benefit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 48<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-48<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 49<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-49<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 270<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482964/270-10-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (ee)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-3<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-25<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 12: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 13: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-12<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(8))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 19: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481404/852-10-50-7<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30<br><br>Reference 30: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483467/210-10-45-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_CommonStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_EquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td><strong> Balance 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of liability recognized for present obligation requiring transfer or otherwise providing economic benefit to others.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(24))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(21))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-3<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-25<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-3<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 15: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-12<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(14))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481404/852-10-50-7<br><br>Reference 28: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481404/852-10-50-7<br><br>Reference 29: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</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_LiabilitiesAndStockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 49<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-49<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-12<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-12<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(12)(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(12)(b)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(12)(b)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_PreferredStockLiquidationPreference">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-3<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-4<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_PreferredStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued for nonredeemable preferred shares and preferred shares redeemable solely at option of issuer. Includes, but is not limited to, preferred shares issued, repurchased, and held as treasury shares. Excludes preferred shares classified as debt.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481112/505-10-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_PreferredStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(21))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated undistributed earnings (deficit).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481372/852-10-55-10<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480990/946-20-50-11<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of equity (deficit) attributable to parent and noncontrolling interest. Excludes temporary equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (d)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (d)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 8: 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> -Subparagraph (a)(3)(iii)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483550/848-10-65-2<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 8<br> -Subparagraph (c)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479832/842-10-65-8<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483421/250-10-45-24<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 23<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483421/250-10-45-23<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483421/250-10-45-5<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 5<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479654/326-10-65-5<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (h)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (h)(1)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (h)(1)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (h)(1)(iv)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (i)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480528/815-20-65-6<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 105<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479343/105-10-65-6<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 105<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 6<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479343/105-10-65-6<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (f)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (f)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480016/944-40-65-2<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 8<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482615/740-10-65-8<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 8<br> -Subparagraph (d)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482615/740-10-65-8<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 4<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479654/326-10-65-4<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-1<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-7<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-5<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481674/830-30-50-1<br><br>Reference 32: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-17<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481694/830-30-45-20<br><br>Reference 34: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-11<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 205<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478009/946-205-45-3<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478448/946-505-50-3<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1<br><br>Reference 38: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.6-05(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479170/946-210-S99-2<br><br>Reference 39: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 40: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 41: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 42: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480008/505-10-S99-1<br><br>Reference 43: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 44: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 45: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 46: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-15<br><br>Reference 47: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 45<br> -Paragraph 16<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-16<br><br>Reference 48: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 55<br> -Paragraph 4I<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4I<br><br>Reference 49: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476166/350-60-65-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_TaxesPayableCurrentAndNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(15)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(15)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_TreasuryStockCommonShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of previously issued common shares repurchased by the issuing entity and held in treasury.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockCommonShares</td>
</tr>
<tr>
<td style="padding-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_TreasuryStockCommonValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount allocated to previously issued common shares repurchased by the issuing entity and held in treasury.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481520/505-30-50-4<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockCommonValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<TYPE>XML
<SEQUENCE>154
<FILENAME>R132.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692503369072">
<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="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="nump">$ 2,619,046<span></span>
</td>
<td class="nump">$ 2,592,303<span></span>
</td>
<td class="nump">$ 2,031,580<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseOperating', window );">Interest expense</a></td>
<td class="nump">1,138,264<span></span>
</td>
<td class="nump">1,030,090<span></span>
</td>
<td class="nump">542,799<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest loss</a></td>
<td class="nump">1,480,782<span></span>
</td>
<td class="nump">1,562,213<span></span>
</td>
<td class="nump">1,488,781<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expenses</a></td>
<td class="nump">641,899<span></span>
</td>
<td class="nump">685,570<span></span>
</td>
<td class="nump">559,241<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax benefit</a></td>
<td class="nump">190,311<span></span>
</td>
<td class="nump">196,905<span></span>
</td>
<td class="nump">161,711<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">608,325<span></span>
</td>
<td class="nump">581,391<span></span>
</td>
<td class="nump">469,014<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsIncomeStatementImpact', window );">Preferred stock dividends</a></td>
<td class="nump">18,296<span></span>
</td>
<td class="nump">17,705<span></span>
</td>
<td class="nump">9,029<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income attributable to SLM Corporation common stock</a></td>
<td class="nump">590,029<span></span>
</td>
<td class="nump">563,686<span></span>
</td>
<td class="nump">459,985<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
<td class="nump">11,660<span></span>
</td>
<td class="nump">9,334<span></span>
</td>
<td class="nump">4,084<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseOperating', window );">Interest expense</a></td>
<td class="nump">39,855<span></span>
</td>
<td class="nump">39,850<span></span>
</td>
<td class="nump">39,860<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest loss</a></td>
<td class="num">(28,195)<span></span>
</td>
<td class="num">(30,516)<span></span>
</td>
<td class="num">(35,776)<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="Show.showAR( this, 'defref_slm_NonInterestIncomeLoss', window );">Non-interest income (loss)</a></td>
<td class="nump">114<span></span>
</td>
<td class="num">(2,701)<span></span>
</td>
<td class="num">(5,117)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expenses</a></td>
<td class="nump">62,696<span></span>
</td>
<td class="nump">61,958<span></span>
</td>
<td class="nump">55,466<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="Show.showAR( this, 'defref_slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes', window );">Loss before income tax benefit and equity in net income from subsidiaries</a></td>
<td class="num">(90,777)<span></span>
</td>
<td class="num">(95,175)<span></span>
</td>
<td class="num">(96,359)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax benefit</a></td>
<td class="num">(7,117)<span></span>
</td>
<td class="num">(6,942)<span></span>
</td>
<td class="num">(10,351)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax', window );">Equity in net income from subsidiaries (primarily Sallie Mae Bank)</a></td>
<td class="nump">691,985<span></span>
</td>
<td class="nump">669,624<span></span>
</td>
<td class="nump">555,022<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">608,325<span></span>
</td>
<td class="nump">581,391<span></span>
</td>
<td class="nump">469,014<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsIncomeStatementImpact', window );">Preferred stock dividends</a></td>
<td class="nump">18,296<span></span>
</td>
<td class="nump">17,705<span></span>
</td>
<td class="nump">9,029<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income attributable to SLM Corporation common stock</a></td>
<td class="nump">$ 590,029<span></span>
</td>
<td class="nump">$ 563,686<span></span>
</td>
<td class="nump">$ 459,985<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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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_slm_NonInterestIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Non-Interest Income (Loss)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_NonInterestIncomeLoss</td>
</tr>
<tr>
<td 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph a<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3<br><br>Reference 3: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 270<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482964/270-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (ee)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-12<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 231<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482663/740-10-55-231<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-9<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-8<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482685/740-10-50-10<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -SubTopic 20<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482659/740-20-45-2<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -SubTopic 10<br> -Topic 235<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 39<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477346/946-830-45-39<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_InterestExpenseOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest expense classified as operating.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income (expense) classified as operating.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-11<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-4<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SAB Topic 6.B)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-5<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482662/260-10-50-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-10<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-11<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(14))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_PreferredStockDividendsIncomeStatementImpact">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-8<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 205<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478009/946-205-45-3<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479105/946-220-45-7<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-19<br><br>Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-6<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 235<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-05(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477314/942-235-S99-1<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483499/205-20-50-7<br><br>Reference 31: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 4J<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4J<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 4K<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4K<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-2<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<TYPE>XML
<SEQUENCE>155
<FILENAME>R133.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692499465120">
<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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">$ 608,325<span></span>
</td>
<td class="nump">$ 581,391<span></span>
</td>
<td class="nump">$ 469,014<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash 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="Show.showAR( this, 'defref_slm_InterestIncomeonTaxIndemnificationReceivable', window );">Reduction of tax indemnification receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,816<span></span>
</td>
<td class="nump">5,231<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="Show.showAR( this, 'defref_slm_AmortizationOfABCPUpfrontLoanFees', window );">Amortization of unsecured debt upfront fees</a></td>
<td class="nump">2,359<span></span>
</td>
<td class="nump">2,869<span></span>
</td>
<td class="nump">2,634<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AmortizationOfDebtDiscountPremium', window );">Amortization of discount on unsecured borrowings</a></td>
<td class="nump">573<span></span>
</td>
<td class="nump">571<span></span>
</td>
<td class="nump">571<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationAcquisitionRelatedCosts', window );">Acquisition related costs</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">952<span></span>
</td>
<td class="nump">2,603<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Increase in other assets</a></td>
<td class="num">(6,531)<span></span>
</td>
<td class="num">(38,902)<span></span>
</td>
<td class="num">(23,472)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Increase (decrease) in other liabilities</a></td>
<td class="num">(15,180)<span></span>
</td>
<td class="num">(27,807)<span></span>
</td>
<td class="num">(6,473)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities', window );">Total adjustments</a></td>
<td class="num">(937,720)<span></span>
</td>
<td class="num">(726,028)<span></span>
</td>
<td class="num">(464,022)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Total net cash (used in) provided by operating activities</a></td>
<td class="num">(329,395)<span></span>
</td>
<td class="num">(144,637)<span></span>
</td>
<td class="nump">4,992<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates', window );">Purchase of subsidiary, net of cash acquired</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(14,654)<span></span>
</td>
<td class="num">(127,654)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Total net cash provided by (used in) investing activities</a></td>
<td class="nump">675,993<span></span>
</td>
<td class="num">(12,460)<span></span>
</td>
<td class="nump">1,077,392<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Common stock dividends paid</a></td>
<td class="num">(99,172)<span></span>
</td>
<td class="num">(101,233)<span></span>
</td>
<td class="num">(112,961)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Common stock repurchased</a></td>
<td class="num">(247,968)<span></span>
</td>
<td class="num">(350,264)<span></span>
</td>
<td class="num">(713,197)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
<td class="nump">228,155<span></span>
</td>
<td class="num">(316,232)<span></span>
</td>
<td class="num">(854,892)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect', window );">Net increase (decrease) in cash, cash equivalents and restricted cash</a></td>
<td class="nump">574,753<span></span>
</td>
<td class="num">(473,329)<span></span>
</td>
<td class="nump">227,492<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of year</a></td>
<td class="nump">4,149,838<span></span>
</td>
<td class="nump">4,616,117<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of year</a></td>
<td class="nump">4,700,366<span></span>
</td>
<td class="nump">4,149,838<span></span>
</td>
<td class="nump">4,616,117<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">608,325<span></span>
</td>
<td class="nump">581,391<span></span>
</td>
<td class="nump">469,014<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash 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="Show.showAR( this, 'defref_slm_Undistributedearningsofsubsidiaries', window );">Undistributed earnings of subsidiaries</a></td>
<td class="num">(691,985)<span></span>
</td>
<td class="num">(669,624)<span></span>
</td>
<td class="num">(555,022)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromDividendsReceived', window );">Dividends received from Sallie Mae Bank</a></td>
<td class="nump">569,500<span></span>
</td>
<td class="nump">550,000<span></span>
</td>
<td class="nump">699,500<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="Show.showAR( this, 'defref_slm_InterestIncomeonTaxIndemnificationReceivable', window );">Reduction of tax indemnification receivable</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,816<span></span>
</td>
<td class="nump">5,231<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="Show.showAR( this, 'defref_slm_AmortizationOfABCPUpfrontLoanFees', window );">Amortization of unsecured debt upfront fees</a></td>
<td class="nump">2,647<span></span>
</td>
<td class="nump">2,643<span></span>
</td>
<td class="nump">2,651<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="Show.showAR( this, 'defref_slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet', window );">(Increase) decrease in investment in subsidiaries, net</a></td>
<td class="nump">27,350<span></span>
</td>
<td class="nump">35,654<span></span>
</td>
<td class="num">(9,179)<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="Show.showAR( this, 'defref_slm_IncreaseDecreaseinDuefromSubsidiariesNet', window );">Decrease in due from subsidiaries, net</a></td>
<td class="nump">20,123<span></span>
</td>
<td class="nump">36,864<span></span>
</td>
<td class="nump">5,124<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Increase in other assets</a></td>
<td class="num">(14,265)<span></span>
</td>
<td class="num">(13,422)<span></span>
</td>
<td class="num">(20,533)<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="Show.showAR( this, 'defref_slm_IncreaseDecreaseinincometaxpayabletorelatedparty', window );">Increase (decrease) in income taxes payable, net</a></td>
<td class="num">(4,261)<span></span>
</td>
<td class="nump">490<span></span>
</td>
<td class="num">(8,713)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDueToRelatedParties', window );">Decrease in payable due to entity that is a subsidiary of Navient</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(101)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Increase (decrease) in other liabilities</a></td>
<td class="nump">1,053<span></span>
</td>
<td class="num">(3,442)<span></span>
</td>
<td class="num">(1,836)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities', window );">Total adjustments</a></td>
<td class="num">(89,265)<span></span>
</td>
<td class="num">(56,498)<span></span>
</td>
<td class="nump">120,296<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Total net cash (used in) provided by operating activities</a></td>
<td class="nump">519,060<span></span>
</td>
<td class="nump">524,893<span></span>
</td>
<td class="nump">589,310<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="num">(14,654)<span></span>
</td>
<td class="num">(127,654)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsOfDebtIssuanceCosts', window );">Issuance costs for unsecured debt offering</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(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="Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Common stock dividends paid</a></td>
<td class="num">(99,172)<span></span>
</td>
<td class="num">(101,233)<span></span>
</td>
<td class="num">(112,961)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsOfDividends', window );">Preferred stock dividends paid</a></td>
<td class="num">(18,296)<span></span>
</td>
<td class="num">(17,705)<span></span>
</td>
<td class="num">(9,029)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Common stock repurchased</a></td>
<td class="num">(247,968)<span></span>
</td>
<td class="num">(350,264)<span></span>
</td>
<td class="num">(713,197)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
<td class="num">(365,436)<span></span>
</td>
<td class="num">(469,202)<span></span>
</td>
<td class="num">(835,562)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect', window );">Net increase (decrease) in cash, cash equivalents and restricted cash</a></td>
<td class="nump">153,624<span></span>
</td>
<td class="nump">41,037<span></span>
</td>
<td class="num">(373,906)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of year</a></td>
<td class="nump">237,857<span></span>
</td>
<td class="nump">196,820<span></span>
</td>
<td class="nump">570,726<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of year</a></td>
<td class="nump">$ 391,481<span></span>
</td>
<td class="nump">$ 237,857<span></span>
</td>
<td class="nump">$ 196,820<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AmortizationOfABCPUpfrontLoanFees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortization of ABCP Upfront Loan Fees</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AmortizationOfABCPUpfrontLoanFees</td>
</tr>
<tr>
<td 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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease (Increase) in Investments in Subsidiaries, Net</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) in Due from Subsidiaries, Net</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase (Decrease) in income tax payable to related party</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest Income on Tax Indemnification Receivable</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Undistributed earnings of subsidiaries</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_AmortizationOfDebtDiscountPremium">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense included in interest expense to amortize debt discount and premium associated with the related debt instruments. Excludes amortization of financing costs. Alternate captions include noncash interest expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(8))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationOfDebtDiscountPremium</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_BusinessCombinationAcquisitionRelatedCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This element represents acquisition-related costs incurred to effect a business combination which costs have been expensed during the period. Such costs include finder's fees; advisory, legal, accounting, valuation, and other professional or consulting fees; general administrative costs, including the costs of maintaining an internal acquisitions department; and may include costs of registering and issuing debt and equity securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 25<br> -Paragraph 23<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479405/805-10-25-23<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationAcquisitionRelatedCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483467/210-10-45-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-24<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -SubTopic 230<br> -Topic 830<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477401/830-230-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_IncreaseDecreaseInDueToRelatedParties">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-24<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-25<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_PaymentsToAcquireInterestInSubsidiariesAndAffiliates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow associated with the acquisition of or advances to an entity that is related to it but not strictly controlled (for example, an unconsolidated subsidiary, affiliate, and joint venture or equity method investment) or the acquisition of an additional interest in a subsidiary (controlled entity).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 16<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-16<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147476176/805-60-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 323<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478666/740-323-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481687/323-10-50-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482907/825-10-50-28<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480175/815-40-65-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483443/250-10-50-8<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 205<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478009/946-205-45-3<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479105/946-220-45-7<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481231/810-10-45-19<br><br>Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482765/220-10-50-6<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 235<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-05(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477314/942-235-S99-1<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483499/205-20-50-7<br><br>Reference 31: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 4J<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4J<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 4K<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481175/810-10-55-4K<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-2<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<TYPE>XML
<SEQUENCE>156
<FILENAME>R134.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692611562640">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Segment Reporting (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, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting 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="Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Compensation and benefits</a></td>
<td class="nump">$ 349,387<span></span>
</td>
<td class="nump">$ 326,554<span></span>
</td>
<td class="nump">$ 270,354<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense', window );">FDIC assessment fees</a></td>
<td class="nump">51,606<span></span>
</td>
<td class="nump">45,766<span></span>
</td>
<td class="nump">20,939<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="Show.showAR( this, 'defref_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets', window );">Acquired intangible assets impairment and amortization expense</a></td>
<td class="nump">5,329<span></span>
</td>
<td class="nump">66,364<span></span>
</td>
<td class="nump">7,779<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total non-interest expenses</a></td>
<td class="nump">641,899<span></span>
</td>
<td class="nump">685,570<span></span>
</td>
<td class="nump">559,241<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementBusinessSegmentsAxis=slm_ReportableSegmentMember', window );">Reportable Segment</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="Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting 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="Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Compensation and benefits</a></td>
<td class="nump">349,387<span></span>
</td>
<td class="nump">326,554<span></span>
</td>
<td class="nump">270,354<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProfessionalFees', window );">Professional fees</a></td>
<td class="nump">129,472<span></span>
</td>
<td class="nump">145,062<span></span>
</td>
<td class="nump">164,226<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InformationTechnologyAndDataProcessing', window );">Technology expenses</a></td>
<td class="nump">57,431<span></span>
</td>
<td class="nump">54,942<span></span>
</td>
<td class="nump">48,561<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense', window );">FDIC assessment fees</a></td>
<td class="nump">51,606<span></span>
</td>
<td class="nump">45,766<span></span>
</td>
<td class="nump">20,939<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherExpenses', window );">Other operating expenses</a></td>
<td class="nump">48,674<span></span>
</td>
<td class="nump">46,882<span></span>
</td>
<td class="nump">47,382<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingExpenses', window );">Total operating expenses</a></td>
<td class="nump">636,570<span></span>
</td>
<td class="nump">619,206<span></span>
</td>
<td class="nump">551,462<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="Show.showAR( this, 'defref_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets', window );">Acquired intangible assets impairment and amortization expense</a></td>
<td class="nump">5,329<span></span>
</td>
<td class="nump">66,364<span></span>
</td>
<td class="nump">7,779<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total non-interest expenses</a></td>
<td class="nump">$ 641,899<span></span>
</td>
<td class="nump">$ 685,570<span></span>
</td>
<td class="nump">$ 559,241<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortization of Acquired Intangible Assets, Including Impairment of Intangible Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets</td>
</tr>
<tr>
<td 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_FederalDepositInsuranceCorporationPremiumExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(14))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_InformationTechnologyAndDataProcessing">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses incurred in the period for information technology and data processing products and services.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InformationTechnologyAndDataProcessing</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_LaborAndRelatedExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_NoninterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(14))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_OperatingExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_OtherExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of expense classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_ProfessionalFees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 48<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482785/280-10-55-48<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479168/946-830-55-10<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (k)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479105/946-220-45-3<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(2)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProfessionalFees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_SegmentReportingInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SegmentReportingInformationLineItems</td>
</tr>
<tr>
<td style="padding-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_StatementBusinessSegmentsAxis=slm_ReportableSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_StatementBusinessSegmentsAxis=slm_ReportableSegmentMember</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>157
<FILENAME>R135.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.25.0.1</span><table class="report" border="0" cellspacing="2" id="idm46692497851184">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Subsequent Events (Details) - USD ($)<br></strong></div></th>
<th class="th"><div>Feb. 18, 2025</div></th>
<th class="th"><div>Feb. 06, 2025</div></th>
<th class="th"><div>Jan. 31, 2025</div></th>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Oct. 29, 2020</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventLineItems', window );"><strong>Subsequent Event [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Debt instrument, face amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2,216,000,000<span></span>
</td>
<td class="nump">$ 1,147,000,000<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="Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_UnsecuredDebtMember', window );">Unsecured Debt | Senior Unsecured Notes Due October 29, 2025</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventLineItems', window );"><strong>Subsequent Event [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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Debt instrument, face amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 499,000,000<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="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="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="Show.showAR( this, 'defref_us-gaap_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember', window );">Subsequent Event | Unsecured Debt | Senior Unsecured Notes Due October 29, 2025</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventLineItems', window );"><strong>Subsequent Event [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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest rate</a></td>
<td class="nump">4.20%<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>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RepaymentsOfLongTermDebt', window );">Repayment of long-term debt</a></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="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentRedemptionPricePercentage', window );">Redemption price</a></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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainsLossesOnExtinguishmentOfDebt', window );">Loss on early extinguishment of unsecured debt</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>
<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="Show.showAR( this, 'defref_us-gaap_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember', window );">Subsequent Event | Unsecured Debt | Senior Unsecured Notes Due February XX 2028 Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventLineItems', window );"><strong>Subsequent Event [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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Debt instrument, face amount</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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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">6.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=slm_PrivateEducationLoansMember', window );">Private Education Loans | 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>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventLineItems', window );"><strong>Subsequent Event [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>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableSale', window );">Total Private Education Loans sold</a></td>
<td class="text">&#160;<span></span>
</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>
<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="Show.showAR( this, 'defref_slm_FinancingReceivableSalePrincipal', window );">Loan principal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,800,000,000<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="Show.showAR( this, 'defref_slm_FinancingReceivableSaleCapitalizedInterest', window );">Capitalized interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">163,000,000<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="Show.showAR( this, 'defref_slm_FinancingReceivableSaleAccruedInterest', window );">Financing receivable, sale, accrued interest</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 10,000,000<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_FinancingReceivableSaleAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Sale, Accrued Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableSaleAccruedInterest</td>
</tr>
<tr>
<td 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_FinancingReceivableSaleCapitalizedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Sale, Capitalized Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableSaleCapitalizedInterest</td>
</tr>
<tr>
<td 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_FinancingReceivableSalePrincipal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Sale, Principal</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">slm_FinancingReceivableSalePrincipal</td>
</tr>
<tr>
<td 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_DebtInstrumentFaceAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482949/835-30-55-8<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481568/470-20-55-69C<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482900/835-30-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482925/835-30-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22)(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_DebtInstrumentRedemptionPricePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 470<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147477734/942-470-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_FinancingReceivableSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease in financing receivable from sale. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479319/326-20-50-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 50<br> -Section 40<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481303/470-50-40-2<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 50<br> -Section 40<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481303/470-50-40-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><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_RepaymentsOfLongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for debt initially having maturity due after one year or beyond the normal operating cycle, if longer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147482740/230-10-45-15<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147479886/946-10-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RepaymentsOfLongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>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_SubsequentEventLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Detail information of subsequent event by type. User is expected to use existing line items from elsewhere in the taxonomy as the primary line items for this disclosure, which is further associated with dimension and member elements pertaining to a subsequent event.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147481674/830-30-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 855<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org/1943274/2147483399/855-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsequentEventLineItems</td>
</tr>
<tr>
<td style="padding-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_LongtermDebtTypeAxis=us-gaap_UnsecuredDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember</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_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember</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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>158
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M?!^2!F.,6_0T7X\48JVFL:W&VC$,>8!8\PRA9CC?AT6:&C/5BZPYC0IO0=5
MY3_;U UH]@TT')$%7C&9MC:CY$X*/-S^[PVPPL2.X>V+OP%02P,$%     @
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MX:$R'/ XY(><YY7D(<7Q0#!(2WIDG/1N='%_ M4Y1W>Z!&U@$_\4U6<TSEA
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M]'_>RUP-_UJ@/K^MZ^[QA?X'^V\N.O\O4$L#!!0    ( !J$5%I6]=;X%P0
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MMG-"/3))GBEI_8>_!/$$F]G:&&1,. QASNO"\>!#/"B0;L)1&YF8?_)!M@Y
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M227@+[Z\BA'P0^E2=?H'4Y83IE\2B]9/^A[$?:(Q%[IB8T]ZNG_GX/+H)[U
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M]-(_:S\?.##_2=V%V8&(_'&2AR!!#?;5UXB=N=6/1XIWUV,JN?\6/[5[67G
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MRW[^5#LJ3F9'AZZ)$])#S%0:(]/3:0A?I]GSCWF:X.^$:SB3H+%FZ"R_/,_
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MQ+FVW U!"M2W :BX<K31O0N-2EL;P&;_Y]O=Q]UJQ=7KT"]^O'']:'/ZR8[
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M,L(5Z'16N?E%$TF=#WP(<.?FU'I@Q[#ZU"- RGP6QE/P">[YB&"&&F0/\[.
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M^;==A/!,D0ZF='EB/9"^OP-[H*E [)[!#-;4U<]_>?/ZW,\@_K"\U',D^)-
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M>!(U7*A@.>_G-F8YUYV30N'&@.V:AIL?:Y1ZOPB2X#CQ1>QJYR>BY;SE.WQ
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M$DK@/> $IA)$8>1YQJW=T:L@0<!54*U-/\%@,KL&;EMA>P285Y;DVBIE@H[
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MS*_5G<+5M+>2B@)*+63)%*S/1TOO]#(D>2OPFX"M'OQFY,E*R@=:W*3G(Y<
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MD@!O-("G185K+LE'"HYA>IY5SW%*27.-<KRZYVUE>ZOU.E>**ZI+CE@TZF<
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M=LV7]XA?4M$+>+YJVW[\0A-,/\E[\W]02P,$%     @ &H146A-6.<@##P
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M^&FEQ>=*%,D3P:@"Y.N,EDFX?,0C$3? OBEE8I"G1&A2T3W/0+MP$,5@;HP
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M[C.YMMBV[DN["@KW="90E\8Z2H,K"\057:^XU [.:TY\ XD G<0*Z2!D1NU
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M5.5:RZ'R&)_UTZW6R.K^J=TEV4<%@V?:9R)-+*RC:_.<SWX.!4W#Z2Q$-%I
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M)2"O-2Z YPNE;/4%&=2_:KK[+U!+ P04    "  :A%1:D3P^+S@0  !^,0
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ML#0[]FG+&-^6JDC_)86J"G?#EA$*M$10U(I5*HNHB%=I#%*+(EI+BG,1::U
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M^R48@W)HO'/$S@AU^]AO.K5? JP/9L0(M!5"B!L)I$H%S4XC$\F9FLG-AK#
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MI$YHAZ<PBU.+1).Z>ZHF)]+.;F4N[F52>8KA5*FW8O2]YG[&85E['N5XJ,I
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MY49)G!,-P/N5,65]0PLT/PFZ^#]02P,$%     @ &H146D&5G2[Q @  @ 8
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M>7"DYU=Y1_VBI8Y/4$>Q>&MJOW'BE[I0Q2&#*Z@RZ!/W^KR(SW)\I?*)2*)
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M4CA*G79'D 8L(#$TEHBRE1I7J.4*B_!%,4A5&#J:TA0_0^9')5/-4<_S6;.
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MC 1DN499P]PN57SO/+^5'%)GLW*=RK6+9Z?"S!&8EI2&8*]S=KG:;*=V@%O
MN7U;2@N6^X+"\'PX5AF7O^FE1&SQP2[6E8/VXOK[TW[A,Y;(W1[H9I@#^>IS
M'N7ZS(U$[9?"C4F&<Z,AA2;)%QD'F3/J[#R[ 08A9CPU-Q?S?!RKCLO=]G'N
M)#+Z?CGFB$3N]&MA[[3DD\4<;]1L)'@3I8'FGM^UNBVJ_LQ>CJ)\0&7%8M%*
M/??UM][[2H?J6ODM0A*(2_F#?1Z=?^ZXRE_YGY;GWTI^0XE#$PK=--AZO/K7
MJP7Z!/G](;\D/\@W_]8G](+R"#9"Y+P \XWW:7KA ^8?@2[_#U!+ P04
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M8'MYB*.BB'V6Q4+6TA!$LO:#"\/T\6?5WKTQHFO80G6=+3#2E^>Q%P6^7>%
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MYSY?NANCUO:3X4(9HQJ[7(D"0SUMP/^72IG-#1TP?D.^_!]02P,$%     @
M&H146F$C-G;@!   B H  !D   !X;"]W;W)K<VAE971S+W-H965T,S$N>&UL
MC5;;CMLV$/V5@1,$+:#8EBS+]EX,[&XV2( FNTC2%D71!UH:6T0DTB$I>]VO
M[R$E7X(ZBP"&3%(S9\Y<Q:NM-E]MR>SHJ:Z4O>Z5SJTO!@.;EUP+V]=K5GBS
MU*86#ENS&MBU85$$I;H:),-A-JB%5+WY53A[-/,KW;A**GXT9)NZ%F9WRY7>
M7O?BWO[@DUR5SA\,YE=KL>+/['Y?/QKL!@>40M:LK-2*#"^O>S?QQ6WJY8/
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M&O]T'('MQW;_0J8-HS(WQ(,W/-;\I8/6&_!^9?A6&5Y\@.G;:?,O4$L#!!0
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M,2U:CT^9N?:E$OJ4:IR*%^0);25:@+"O$$L!)52F!9>U /09W2\3].'B([I
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M0P(  (H&   9    >&PO=V]R:W-H965T<R]S:&5E=#,T+GAM;)V56V^;,!2
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M1M;R'BN<1(*W2)AH33,#6ZK-UG*$F9?RJ(1^2G2>2C;Z>#,0Z$G@C+ "K83
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M$#C=Q@N\U\ZW0YPV_OT!$Q+\_D%K=PQ"@>E%*W\!4$L#!!0    ( !J$5%H
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MH"1+<O:D RA>.IX7M_/L= >#P7Q@%:]4C%EDA8ODZE\_9[_GLDA*=C(S[\,
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M$!!'+F"91P0#A#/<30Z2U*8D6R[(8]DZP'<[%,%T'WQ"N$)8S6T),BCH-0M
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MZI#F3H<(>O$Z]W[$"2NB$BR7T-39Z49WZ\@&S:?KB01&7Z.EH<.0D1WBU4:
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MY:R@=%UT<D[56TCJ]MUM Q$1#C(4NH(0/^4POU.,6CL%5%":PN;+(]3-1YO
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MWKQ\R[3^U;OG5[2>[*=7/[QY"UA=5=@7L".30[/!%FA./Z;']1E[Q!3MNUP
M:8FB?.+%5HZCB8"@]F\$".&JCK9H;P:]#)>?\VV0RN<\'CO$#@S'D=& LF:
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M#?"KI +X?58 2IH+:J#[R\_)?P%02P,$%     @ &H146G#)\"*8(0  9GX
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M=L8JDGC-X8SU<D!Q,*Z+:KUX>LP:(+K$P-9 U&"7@ASD.=EELXRI9:-8&)
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M,P9L9=,P#7Q&>\&A&ZTD4IOS]*0\$P1Q%[8B&HTD7D8T$ E0P6#3V,B>Q$Q
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M%6&DC9@ ;MW2<C8<1^:B<,2]_B 9N")R@LX& &>.V1"$B6<#Y$84:\1"$SL
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M<_=F55_)+XE#N%?U0BXORP*K@#?@^_,:HN/?L(/^I^6_^C]02P,$%     @
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M?EA"(A5AK>4?L(1E83Z9T9- <0(?.Z.$ZPR&4(E'']CPN41(\S!/;B#-PIB
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MALH:T/Q&2G,2[ +=>V_Z-U!+ P04    "  :A%1:DO&G+(\,  #_(P  &0
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M.^ X=JTDY.U)@B(YWN7AL>^@1(?S@;(7"X2^%2 J=_ANB-+-0[46! A(!^T
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MEBYDO]S3'Q!J)T#G6T4Y[#^<@=,_U>(?4$L#!!0    ( !J$5%IGGM7;N 8
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MH'*1;Q0YA7L\"[U$D"-XE'IQFK&KHFC7;>74ULZUH $B>455]%XRI#70GV@
M<X <;"%KN53N\60:<' GFSG >(H\GL2SE_!F;!H++XTY!HGPN!_-V#=I4?RQ
MH\R;VC$2*WD$FL5@>@PYJ<AZ)MU^_@([-QO==+G6&7NEJU(VYN>?TH G;UV
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MU6LW7,D<!RB:@/^76MOM VTP?-^]_"]02P,$%     @ &H146J*XL=IH P
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M,AJ=3P)2ZX=&MT'=^KY;::0N]LN:YBP8YT#G:ZUQOW$!ALF=_P902P,$%
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M!&=$EAW,]940^N6D'*#]O</B/U!+ P04    "  :A%1:GD<U&CL"  #P!
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MH0T!WE\2\<$("89'+OL+4$L#!!0    ( !J$5%J2,7^%0@(  .0$   9
M>&PO=V]R:W-H965T<R]S:&5E=#4X+GAM;'U438_:,!#]*Y8K55NI)1^P;$5#
M)%A:M8>5T**VAZH'XTP2:QT[M0?8[:^O[824E8!+XK%GWKP9SW-VT.;)U@!(
MGANI[)S6B.TLBBROH6%VI%M0[J34IF'H3%-%MC7 BA#4R"B-XVG4,*%HGH6]
MM<DSO4,I%*P-L;NF8>9E"5(?YC2AQXU'4=7H-Z(\:UD%&\#O[=HX*QI0"M&
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M#ZK>+VH/EG&;.[Z,V%HM^U2.PCI)T5]8IJ72E;I3:8G&6W(T*>1Y16)!&ID
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MX5I O9\S)K<WNH'\O/+X/U!+ P04    "  :A%1:[1\O5G0%  !*'0  &0
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MN+\@8NHK3_(O!:IO3V;_ U!+ P04    "  :A%1:<4TE.:X#  " #P  &0
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M>C@YH\9O]\VW?/X)OJLLXSNFY'OT!U>@'_5&ZF"CVX+I?2G8&CU !L6>/I6
M_K[7!.A.027_&=J->K5@>#53?"[EEF8P=W1UD2#VX"2__H)#[_>A2(Y)EHY$
M=A3EH(UR<(X]Z1WUH<#5!)$E,$5VGQ \\8/I5!^2?3<H0X8A]F,<'QNF0X;$
MG\8^;@V/Q$Q:,9.S8I9"GP4%Z";?9=0677MFAD2=)?K>TS F63H2V5$ PS:
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MMU-VN-$M,@ACH+^ON,[%9F(6:)ONY#]02P,$%     @ &H146NXKN5:N P
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MND2[,W;J]\%^GWWW!#>[N.T-9&A.F#, I4:9):^-RD+K)GD.C\&UQ^ G1C0
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M+@%(.S 0F,+$=,_$U'B6OY?I0EP$@H'Z9).GW322B='A6QE7@6KQA A:Y(6
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M1AHO8HDH_H-=90LM$.5"LK0:K#Q(:59^XJ]5(/8&.'[/ %0-0(<#O)X!;C7
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MYX2 /SXI /!1DE3\V17.<C:O>S;=*F[$!D=D:JE>( C?$FOVXP^.#W_J"L5
M8*W >'5@/!/ZK&'/:_:7X#)E,5U2E7DJKS:$4Q9? ISJ$'9%HYPB**;0?6X[
M<R!T/ =.[.T^T6,[-W#]T*W-6A1&-871?Z#0Q4 R]2=Q I8=0U12*+M(%:!J
MMUTL2R\<N$_S@*#1I$7.K\GY1G)5#\!%CXYT&WC6;:#+/_\HNA[TX.$:'%N%
M^T8M)X/:R<#H9-'+%F1)N.Y?7;X9QY]:+P.!M:B&-=7PK(TD'#(P X&U C.N
M S/^_HVDG,+?;Q"N[XT.4OC8R@^]GB;BP.;%#8T$YCGG/=EK'GGJ*@V%UN:Y
M)U"<LV9P-=U0P1D(K1T<U 0'??\LKN9H]5CD0Q@<Y'&'G>MZ8S_H2>5&[#A&
MR7"V-V+E1NM]!Z_WWN<5STZS<0_+1KDX9NGBPJO1&"SPBU#*6;T8%WFWDT:4
MD_-S(+0VYT;J.*/S%J]16IT<G('0VL%II))CUDK#%.^Q0 H"S_,/<_K8S D0
M'/4D=:.D'+.4.EOI!ETU"<-#FMUF7@_-1D4Y1BTR\^%5^"VU.Z@\&@JMS;D1
M2,[XO+5K%&0G!V<@M/9N0:.^D%E]#5*[U1RMGT"N%WH'2=UA%OAAS_L(-<(*
M&;7)V4JW<J._)BN6W6:HAV8CD9!9(HUA6;>,@P^<8$FXL83-:*=FZ5!H;>Z-
ML$+GW49"@^XC#876#DZCQ] 9MI+0\1[1R/."0TG98>:X(>I+[D9?H?_'7A+J
MV"E2Q7GX2[?'K.?UBQJEA,Q*Z9XK/R4![^(\*K>6BD3N]-2(='**#H36YMVH
M*Q2<MWX'W=<:"JT=G$:3(;,F&Z9^PXZ]8'<$1T>I?6SHAG"$_)[<;F06,F]$
MG;!C6B']VY:I><)3U\7>.UQ*"5\59VX"%(E9GJ_43^MSO=OB-.O@^9US,R]/
MYQJ8\K#P,^8KJO(Z(4L%":\#U49X>?Y6WDBV*8ZPGIF4+"TNUP3'A&L#]?V2
MJ?*H;O0$]2GH[!]02P,$%     @ &H146I$)JL?6$P  \Z   !D   !X;"]W
M;W)K<VAE971S+W-H965T-S4N>&ULO5UK;]M(EOTKA'>PZ ;B=KT?O8F!A&3/
M-C"["#K=,Q@,]H-BT;;0DNB6Z&2RF!\_)5EV4?=>EN0RY<9@$L>'EW5/\7%.
ML:KNVZ_MZO?U;=-TQ3\7\^7ZW=EMU]W]>'&QOKIM%I/U#^U=LPR_N6Y7BTD7
M?ES=7*SO5LUDNCUH,;\0C)F+Q62V/+M\N_VWCZO+M^U]-Y\MFX^K8GV_6$Q6
MWSXT\_;KNS-^]O@/O\QN;KO-/UQ<OKV;W#2?FNZWNX^K\-/%4Y3I;-$LU[-V
M6:R:ZW=G[_F/-1=R<\06\M=9\W7=^WNQR>5SV_Z^^>'GZ;LSMFE2,V^NNDV,
M2?CC2U,V\_DF5&C('[NH9T\GW1S8__MC])^VV8=L/D_63=G._S:;=K?OSMQ9
M,6VN)_?S[I?VZW\WNXST)MY5.U]O_[_XNL.RL^+J?MVUB]W!H06+V?+AS\D_
M=TST#N!JX "Q.T <>X#<'2"//4#M#E#''J!W!VQ3OWC(?4M<->DFEV]7[==B
MM4&':)N_;-G?'AWXFBTW5\JG;A5^.PO'=9?OY^%:F2ROFB)<=46Y:J:SKOA+
MNUXWZV*RG!:_+:_OE]-F&OYMLBS*=K&8=>%"Z=;%>?'^IBG>+R?S;^O9NFBO
MBX^3=5=4]\T6NRZJ)ISLC_MF>34+P;ZKFFXRFZ^_#P?^]JDJOOO3]\6?BMFR
M^/6VO5^'4ZW?7G0AH4VS+JYVC?_PT'@QT/BJN?JAD/Q-(9A0Q.'E\8=+XO#J
M^,,%<7A]_.%\__"+T(E//2F>>E)LX\FAGKRZ:N]#Q[PI_K?MFO#'0R]L.O&G
MV3)T\6QY4_S27#6S+Y//\Z;XQU]"@.+GKEFL_X^B_N%LBC[;Y@'VX_IN<M6\
M.PM/J'6S^M*<7?[G?W##_HOJB#&#56,&JT<*MM=E\JG+9"KZY<=5Z(NN*>KI
M_=5D^]S<]=G>33G?WHU4%SU$M]OHFU?"E\MSKJ3V@KV]^-*GGP)*Z:T5^\"*
M!&K+K-X'UA20&RUE!.Y1HIXH43F4O"F634=1H% [!//AAM(.4$ !)3,A.4!!
MLGW/O;I&"K9'I7ZB4J>I;%97X4D=WO?;A_/ M3;;O/#O)M\V#_4WQ=^;R:K@
M%-$/Y^*B1R#[01OE^_\!SNECM &,#X0&T>IDMIE<FB<NS6FXI%X,'PR5L)'@
M'BMIF): /AIF.: OF6 F??:)/GL:^JC7\@=+)6PEN)%+&J;A(X^&&4A?,L%,
M^MP3?>XT]%&BZ(.C$G8,7%8E#>.<]?X#)%4#H6WBF#J9>B:Q_HE8?QIB-46L
M)[-7D-@=C.W#P,U?#02#[^%D?IGL<1;- SL-?X84^XS,V<,;>P@''XQ'XNIT
MDKDD]AP8'YE$DCQ./L<VOFB?/!HG$7DT#EV Z>1RR8NFAR<%^N63R>R.8JZ8
M!'5=W(VJC'8M!$PQABY;0=WXZ!DZ%,YYG]!:=9JGW'Z(3H:GK<SK]@.IJG8M
MA/P*V V2Y%>@?J!Q'!&?)":7^.B7>-HPO2[QI![;M1 R):$%&\)!/S"$@\HA
MS4PN\]%>\;2_>EWF22G'2>O$D.08PJ%K7I.WD(+$G\**\>C%>-J,O2[QI-3C
MI.EB"KUM!W!0[0WA+&3^%"Z.1QO'TS[N=9FG12+IUYA!E_P SD'F!W!(YYS"
M /+H 'G: KX:\UW;3>8D\:2Y8\AV#^$\)'X YR#QIS"(/#I$GK:(3QQ=MZO/
MX:K<#LL2[,Z)/EA.^T<E-21I]P@-.8!#5_5Q\>IT\IGDBN@?1=H_CDXN*0P%
MZ0.1[B@'< *.$ _AH#Y))Y]+;O25(NTK1R>7%'^"](D$N31.0/$W@$.R.YU\
M+KF]CVUIWSDZN:2^$[07A$JX', ):.J'<.C*/869%-%,BK29')U<4L.) 2,(
MG[E#.#B0?"2N3B>?2VXTC")M&$<GEY1I@O9P''K"(1Q4"X^XM+FOT[GG<ALM
MH4A;PO&X)3FE79R WXV&<-#M#>!@']7II'-)C79/I.W>I^Y^NF%H.P/E7T79
M+M?WBV95?&Q7W74[G[7%I^9F:%@T'?O9TQC&C%:-&JT>*]I^+T5K*.SK3C\9
MR6_M.F[,:-6HT>JQHNUW7'26(NTL?]T8OI0Y/-+"[$ZS-\/"*<8%G!5  957
MCBOX?** 4CAD$=,9YC(8+:)(6\0,!FF?\G :T\M72NN918J$ HKP/^14"" +
M7,.(=3K#W&E0T0?*M _,8) T([O3]/,54CD-1S!+"BB8MQ)>@P20>V,MG,12
MIS/,93":/9DV>QD,DHYC=YJ]?(WA&GU&H8#*:@<G7E44T&HED*-+9YC+8'1T
M,NWH,A@D;<7N-'OY<NWPV# %E,XX![4O"33:6\3@228S]F8SIFU;!H.D=]B=
MII^OLMPK#X4N!=3<<X^F-5) [86#QC>=82Z#T9O)K-F/B+O!0=I=_/W;ES-C
M-1PRH)!:,8]?PR0RO-:U9I"]4[@O&=V73+NOY/7WIKA9M>MU2L'LPO<3#<\]
MI>'E5!) I3SCR+520&$WTV0A<Z>P6#):+)FV6,]@CE0NN_![S$D1KA(T$9D
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M6V76;H'L[[Y?_+%;;KL_CAN4X"8U9<6VX?IFX9*61WLYLY=='GMXO6;];KI
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M(F>_=+HIKC95WU0['7.YLS&_J!>9:\QE3CCB)"U>O<2"+EL= 5KV!*7YH+0
ME!:"TB(H6M,\FY*J,WC3:0>TQ I*\T%I 2@M!*5%4+2FAS;E6\=<OWW)2PQH
M"=<Y6%3U01,&H+00E!9!T4HSV%M;B#+"Y\7N,(%BMLIEN=.B;JUWH)T7^ZYV
MVJ?.F>^TM ?.65CN+]O@R^UN5YC/:2Y02F8J5>=TH.9.7NX@*T\D6Q8;F&Z9
ME"PK#A<$)X3K"]3O,\;DXXE.4._CF_P/4$L#!!0    ( !J$5%K'.7!TF0@
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MH;\"($R WM]RKHX3TVBZ[TKZ%U!+ P04    "  :A%1:#7HFC(@#   ^#0
M&0   'AL+W=O<FMS:&5E=',O<VAE970X-"YX;6RMETUOVS@0AO\*H1:+%FBB
M;UG.V@9BJT%[Z")(VNYAL0=:&EM$)%%+TG'Z[Y>D9%6):-4QZH,M43,OYQE2
MX^%L3]D#SP$$>BJ+BL^M7(CZRK9YFD.)^26MH9)/-I256,A;MK5YS0!GVJDL
M;,]Q(KO$I+(6,SUVRQ8SNA,%J>"6(;XK2\Q^+*&@^[GE6H>!.[+-A1JP%[,:
M;^$>Q+?ZELD[NU/)2 D5)[1"##9SZ]J]2ESMH"V^$]CSWC52*&M*']3-YVQN
M.2HB*" 52@++GT=805$H)1G'?ZVHU<VI'/O7!_4;#2]AUIC#BA9_DTSD<RNV
M4 8;O"O$'=U_@A8H5'HI+;C^1OO&-@PME.ZXH&7K+",H2=7\XJ<V$3T'-SKB
MX+4.WDN'X(B#WSKXISH$K4.@,].@Z#PD6.#%C-$]8LI:JJD+G4SM+?%)I=;]
M7C#YE$@_L4B@IIP(CB[^PHQAM0CH70("DX*_1Q?HVWV"WKU]C]XB4J&O.=UQ
M7&5\9@LYMU*PTW:>93./=V0>UT-?:"5RCCY6&63/!6P9=!>Y=XA\Z8TJ)I!>
M(M_]@#S'"PP!K4YW]PWNR>GNW@B-WZV#K_7\7ZW#/]=K+IA\'?XU);D1"<PB
MJD9<\1JG,+=D$># 'L%:_/'&C9P_30GZG6+);Q)[EKR@2UXPIMXESY2QQG.B
M/541?%QXKA/%813/[,=^-DR&4>B[\0O#9#26,TG#CC0<)5TR^@ ,,EG:CB,W
M$E&/9!HZZO.">&CG.K[!,!F-Z4SBJ"..1HGO="U"LNH@*G)@H^31D$B&84 W
M&08F]-'@SD2?=.B34?1[@=<%R,(KY))S<;$&S$BU[3+P 0DJ<&%*Q&3 -W%,
M>3#8F?*5C 9Z9AKB+@WQJ_8\J@LYE>P]!-H F.ACP^H.V0U6WI \'I0%U^];
M/4.:=DC34:2O.6$9JC$3/]!:XRD4+D=(9@*:#D*-ASRG&"73U^"XSL\NPCFI
M B-X2@$RM4MODL\KN7?YCN$J!520\LA+VTKW P^CR9#/8!=,#(CCH9ZY6=U>
M0^6.IN(Z3=E.[M;#:XMD=SM6LUJY_I),A_MP93(;;NID/+C7PMN]QK($MM4-
M.D<IW56BZ=2ZT>X0<*U;WQ?C2W4XT WK3YGF9/$%LZW<):B C91T+B?RSX8U
MS7IS(VBMV]<U%;(9UI>Y/.  4P;R^892<;A1$W1'IL7_4$L#!!0    ( !J$
M5%J:Q3D!(@,  !4*   9    >&PO=V]R:W-H965T<R]S:&5E=#@U+GAM;*U6
M?V_:,!#]*E9639W4$L?Y!1U$:F'3*JU25=95T[0_3'* U23.; /MMY^=0 8A
MH&I#BA([?N_\[GQGN[_BXEG. 11ZR=)<#JRY4L65;<MX#AF5'5Y KD>F7&14
MZ:Z8V;(00).2E*4VP3BP,\IR*^J7_^Y%U.<+E;(<[@62BRRCXO4&4KX:6(ZU
M^?' 9G-E?MA1OZ S&(-Z+.Z%[MFUE81ED$O&<R1@.K"NG:NA@PVA1'QGL));
M;61<F7#^;#JWR<#"1A&D$"MC@NK/$H:0IL:2UO%[;=2JYS3$[?;&^N?2>>W,
MA$H8\O2))6H^L+H62F!*%ZEZX*LOL';(-_9BGLKRC585-B06BA=2\6Q-U@HR
MEE=?^K(.Q!;!\0X0R)I WDIPUP2W=+125KHUHHI&?<%72!BTMF8:96Q*MO:&
MY689QTKH4:9Y*AI!P253$EVBVUR! *G0#5#!\AFJQ\Y'H"A+Y0>->AR/T/G9
M!W2&6(Z^S?E"TCR1?5MI,<:D':\GOJDF)@<GCCO(=2X0P<1KH0_?3G=WZ;8.
M01T'4L>!E/;< _8VSE].=IU'7QF=L)0I!O("C7BF,2R^0)-7-.19P7/(%?IY
M/9%*Z(S\U1:':F*O?6)3IE>RH#$,+%V'$L02K.C].R? ']NB<B)C.S%RZQBY
MQZQ'=]K;5YU\XAE4FZ,5.RS99OM81CV_2T@/]^WEM@_[. <3C>R1&KBCSZOU
M>4?UC>E2KUQK+E;$8%N:YV'7:RAK@_D8XW9=?JW+/ZIK"$*Q*8NI HGX5.\R
M96JUZ?3W!#C8][!'N@VE;4#/Z[J!WZXUJ+4&1[5N[0>L41)M>H.]I20.#H+0
M)PV];<# UT_8KC>L]89'Z_:'UG;Y*4_04[EA0X*NER#T 83&BIKN@WZW*0]/
M694G,K83@6X=@>Y_567%=LA6Z'%'9U386*$#N.Z!A.K5\GK_6I2]]AEQ,W<.
MX-P#RAS\]^S#IRK,M:7],#:T'L"Y0:\AUMXZL\V%Z8Z*&<LE2F&JB;@3Z@H7
MU1VDZBA>E,?XA"M]*2B;<WUO V$ >GS*N=ITS,V@O@E&?P!02P,$%     @
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M\LV?M"ZH,CCE:5']!9LZ-@K =%5(GM7)RD'&\NTG>:XG8B<!Q@<24)V WIJ
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MP0V9LI3)%VL57MGM2\V<CYU'83_/PGX?AG\&NY%F-^K";G2<W<X0TY1F-^K
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M$<C+8IT7WXQ??C&L@34VA%Q<RL+X8^_H[4[ '\;%^K*4OZTW>P'^??VQ=7Y
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M_>M5_>A@]\5F@(=5\>OVM,_^#U!+ P04    "  :A%1:G1</?:<#  #G#@
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MK3M1*HR!OK_D7!TFY@%M;YO\!U!+ P04    "  :A%1:&^N)%OL$  ##&@
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M/OO8V-R5W_/\C\TGX=6[T7BS1]DRNZPV1%K_]RF[R);+C53OQW]WZ.AISLW
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M6Q+:!(C[J[KFWT^:AQ_[IV/G_P%02P,$%     @ &H146NA0[AZZ!@  #TD
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M^<N5\!<BR0Y0[R_C6/[<R![!L7]LS/1_4$L#!!0    ( !J$5%IT/9J%H ,
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M8ZX#U/,58_)UHB]%[2T[_@E02P,$%     @ &H146I_SX6U< @  Z@4  !D
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M5\9RF.*M'J0!X/M$"/TX,??&^O^$\#=02P,$%     @ &H146I1EWP?] P
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M$YP2K@/4_25C\O%$SXZ;_PJF_P%02P,$%     @ &H146M-+I!&G @  BP8
M !H   !X;"]W;W)K<VAE971S+W-H965T,3 R+GAM;*U574_;,!3]*U:&)I"
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MB4=44_J:P,C*58^Y-%B+7+/ UP*43<#QA91F$]B"U+T_Z5]02P,$%     @
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M4<P6=T2?W,V(7V[/+I@>B5Q3KA"#E0D-.D/#1F9W-ME BXV[]G@16HO4/29
M8I!V@UE?":$/ WM <7,V_1=02P,$%     @ &H146K*O2=D4 P  YPP  !H
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M0T$MS3.MMDC[:,?F%V&8 >W:9](?^XW5SLL<SN8W5I6WM>(5:/,>7=RMF7U
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MA;).?\*R=K\4T#[ ^9=*V=W&)^A_4OE?4$L#!!0    ( !J$5%JT21J\K0@
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MWN5BS_Q%C_'0RO9G@=>C.V(5SOP37(.6:S#)=5-O3MT(,R!8R+N@"/*2T!>
M.@\^/^GO,<UEF>58%ZJ2X.*'H0\&@0J]Q3P(>C(,S6QKL7 \NR?$B)WM^KZU
M&)<B;*4(_Z^PA\.P6S.['_:AE0R[UU,E&K&:S]Q@G.N\Y3J?Y'K+>86+6!>T
MN/G5ZTSX02CGPY_3#3TW[',;VKDRF$[89S=J%X;!B;1>M/P6D_Q4*1F4:'1?
M;U5CO";A?K8*G!,L.A/8D8RV]78>LLY93!NT,^EX5K3H7&C'2G9.EO9D2CZ
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MX(*FM3!8D,99]8\_:D>T!$SWA(!5"UA= >>$@%T+V.<*.+6 (SU349%^"+#
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M--2GEF:RMU+EU(PX10M<H37IJ\P(>F\S@IR:$:=H@2NT)OF5&4%V,])?0Q>
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MR6+S<4VPZA!=0/V^9$QN'G2 \@KX]']02P,$%     @ &H146F7J2I]/!0
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M\ZS$-Q2P?5$@^G2%<_)X,?$GSS>^9ILMKV[,5N<[M,&WF-_M;JBXFK4JZZS
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M.)/V";M#;.!!MI&*EP>P7D%)J^9-W@X^G #"X05 = !$74!R 1 ? /&M@.0
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M4 ;P?,:YW%ZH#O(3K:/_ %!+ P04    "  :A%1:JU9A @T%   @(P  &@
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M=7\1AO+E)'Y)(G\I9OP_4$L#!!0    ( !J$5%H65VD9! D  .P]   :
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M.EPM/KQIRL?N=NY]V33EMGNY$>E*5*V!_'Y=ELWSF_;"[^F"]^+_4$L#!!0
M   ( !J$5%IQ;F,SRP(  "D'   :    >&PO=V]R:W-H965T<R]S:&5E=#$Q
M.2YX;6RM5=]/VS 0_E>L#$T@L>9G4V!M)-J.#6E,B )[F/9@DFMCD=B9[;3L
MO]_9:;.VM&4/>TGL\]UWWWVVS_V%D,\J!]#DI2RX&CBYUM6%ZZHTAY*JCJB
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M!T/W1YW"-F$SF[#8)BRQ!&O-C'XS,_HF^O@FDY^A<F+(#QJ8,YP2 3+*.>9
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M9<UFI&6]!@6-P=DJ.XL,WAO F\W:@ ,N51:?J[+SR#5,W@'T%CO':\&^UR'
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M-:,+)HR!?K[D7+T.S/%,<1PW_A=02P,$%     @ &H146G60GN3E @  &@D
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M9QO$M;5BTQ\FF :MY!.JT_XHN5HE"B>C6YJP M /O 6!OJ '2!A-2$ZPSHI
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M@&L#M9XQ)G<#O4'32$;_ %!+ P04    "  :A%1:Z6KJR2 %   P'0  &@
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MG-.I- ;P?BV$?KDQ)\'NY+_X%U!+ P04    "  :A%1:&*V-!L0#  ![#
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MY<D97!6H<\5:JQ*4,]R?D26Z)CMAC^3=!AP7TK[/F,-=?"XK1\?5X)C<<=Q
M.2-I_($D43+_7\X0;B),)L(D^*5W_#R/)5Q5Y!E1#6(I)\"27X][B]RE^WV+
M<?"<W_;TG;ZT'2\AI]C*%LP9:/'V3?P0?7Z%.)V(T]?<BRT8?Z;^,/=&'\%
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MF9:'6\'70A4"\_U&2OUZ4MR@^?_"[#]02P,$%     @ &H146AZSK QH"0
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MIM[SNY]9?4)CPTMX)JM7<E>W=1V2E%+QO!;K(\C38O=.O]0_Q)[ &QT0^+7
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MV_X&PPNBY@5*YV(BH2N:3.JNG$^KIJ,;.FO] <(^<EU][ C&,9@= 0S+@SG
M.(:%Y?F?QC- QV,PS-O B@Q0S@#E&)8-F51?+(^=$^N/?:1Q'(91A,WH9&)U
M,,'F+8K@SZZ&>0,&E@<RO6RN\=7&*^1P'6!K>JA"L)'BE8B-%)]K0.SS!HPX
MMJ\VE@<8V"I@M0/Y[7F@INR<,(15Q;QA.QA'XAA#H!;M-1I%R.Q$\+6O#[9+
MPC".[0A@=@=AB"&P&W$$<P >,"0,J_O@WOW(V]RGO.V_T\=_ %!+ P04
M"  :A%1:EXJ[',     3 @  "P   %]R96QS+RYR96QSG9*Y;L,P#$!_Q=">
M, ?0(8@S9?$6!/D!5J(/V!(%BD6=OZ_:I7&0"QEY/3P2W!YI0.TXI+:+J1C]
M$%)I6M6X 4BV)8]ISI%"KM0L'C6'TD!$VV-#L%HL/D N&6:WO606IW.D5XA<
MUYVE/=LO3T%O@*\Z3'%":4A+,P[PS=)_,O?S##5%Y4HCE5L:>-/E_G;@2=&A
M(E@6FD7)TZ(=I7\=Q_:0T^FO8R*T>EOH^7%H5 J.W&,EC'%BM/XU@LD/['X
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M:$(@>P"R=S3(T>1J2B#[ +)_/,COPVL"&0/(^(B0?[<)9 (@D^-!#F??">0
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M5.\"T+NHW@6@=U&]"T#OHGH7@-[%_;,2H'=1O0M [Z)Z%X#>1?4N +V+ZET
M>E?5NP+TKJIW!>A=5>\*T+NJWA6@=U6]*T#OJGI7@-[5W6P"T+NJWA6@=U6]
M*T#OJGI7@-Y-]6X O9OJW0!Z-]6[ ?1NJG<#Z-U4[P;0NZG>#:!W4[T;0._F
M;A8$Z-U4[P;0NZG>#:!W5[T[0.^N>G> WEWU[@"]N^K= 7IWU;L#].ZJ=P?H
MW57O#M"[J]X=H'=W-WL#].ZJ=P?H/53O =![J-X#H/=0O0= [Z%Z#X#>0_4>
M +V'ZCT >@_5>P#T'JKW .@]5.\!T'NX6 >@MP6?ZP#\MN""G0 0W()+=@+
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M8U!R;W!S+V%P<"YX;6Q02P$"% ,4    "  :A%1:2UGM=.T    K @  $0
M            @ &O    9&]C4')O<',O8V]R92YX;6Q02P$"% ,4    "  :
MA%1:F5R<(Q &  "<)P  $P              @ '+ 0  >&PO=&AE;64O=&AE
M;64Q+GAM;%!+ 0(4 Q0    ( !J$5%I@F]ESV0@  $,]   8
M  " @0P(  !X;"]W;W)K<VAE971S+W-H965T,2YX;6Q02P$"% ,4    "  :
MA%1:*3,PB#$"  "L!0  &               @($;$0  >&PO=V]R:W-H965T
M<R]S:&5E=#(N>&UL4$L! A0#%     @ &H146B?&_=0<!P  _AL  !@
M         ("!@A,  'AL+W=O<FMS:&5E=',O<VAE970S+GAM;%!+ 0(4 Q0
M   ( !J$5%J3&11-_P,  %4-   8              " @=0:  !X;"]W;W)K
M<VAE971S+W-H965T-"YX;6Q02P$"% ,4    "  :A%1:]C1\+AT(  #C)
M&               @($)'P  >&PO=V]R:W-H965T<R]S:&5E=#4N>&UL4$L!
M A0#%     @ &H146H%U4!+5 P  (@T  !@              ("!7"<  'AL
M+W=O<FMS:&5E=',O<VAE970V+GAM;%!+ 0(4 Q0    ( !J$5%IK(^Q6@PX
M .>J   8              " @6<K  !X;"]W;W)K<VAE971S+W-H965T-RYX
M;6Q02P$"% ,4    "  :A%1:M09GEK0"  "0!P  &               @($@
M.@  >&PO=V]R:W-H965T<R]S:&5E=#@N>&UL4$L! A0#%     @ &H146NA(
M,LT4#@  Q4@  !@              ("!"CT  'AL+W=O<FMS:&5E=',O<VAE
M970Y+GAM;%!+ 0(4 Q0    ( !J$5%I6]=;X%P0  &L)   9
M  " @51+  !X;"]W;W)K<VAE971S+W-H965T,3 N>&UL4$L! A0#%     @
M&H146I9?JH'.)P  ](4  !D              ("!HD\  'AL+W=O<FMS:&5E
M=',O<VAE970Q,2YX;6Q02P$"% ,4    "  :A%1:SHF%L'L#  "F"   &0
M            @(&G=P  >&PO=V]R:W-H965T<R]S:&5E=#$R+GAM;%!+ 0(4
M Q0    ( !J$5%K,8]9+RPX  #XJ   9              " @5E[  !X;"]W
M;W)K<VAE971S+W-H965T,3,N>&UL4$L! A0#%     @ &H146JU1U\;T#P
MPBL  !D              ("!6XH  'AL+W=O<FMS:&5E=',O<VAE970Q-"YX
M;6Q02P$"% ,4    "  :A%1:KZ#5]Y@D  #ZAP  &0              @(&&
MF@  >&PO=V]R:W-H965T<R]S:&5E=#$U+GAM;%!+ 0(4 Q0    ( !J$5%J5
M+RL6W (  &P&   9              " @56_  !X;"]W;W)K<VAE971S+W-H
M965T,38N>&UL4$L! A0#%     @ &H146J3+>5?O!P  FA4  !D
M     ("!:,(  'AL+W=O<FMS:&5E=',O<VAE970Q-RYX;6Q02P$"% ,4
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M+GAM;%!+ 0(4 Q0    ( !J$5%H($E7:600  /<)   9              "
M@6C^  !X;"]W;W)K<VAE971S+W-H965T,C(N>&UL4$L! A0#%     @ &H14
M6OV,"9W%"P  X20  !D              ("!^ (! 'AL+W=O<FMS:&5E=',O
M<VAE970R,RYX;6Q02P$"% ,4    "  :A%1:D3P^+S@0  !^,0  &0
M        @('T#@$ >&PO=V]R:W-H965T<R]S:&5E=#(T+GAM;%!+ 0(4 Q0
M   ( !J$5%HEC48J+PP  !XD   9              " @6,? 0!X;"]W;W)K
M<VAE971S+W-H965T,C4N>&UL4$L! A0#%     @ &H146D&5G2[Q @  @ 8
M !D              ("!R2L! 'AL+W=O<FMS:&5E=',O<VAE970R-BYX;6Q0
M2P$"% ,4    "  :A%1:HIK!M6D&  #D#@  &0              @('Q+@$
M>&PO=V]R:W-H965T<R]S:&5E=#(W+GAM;%!+ 0(4 Q0    ( !J$5%IS/"Q&
MO D  )\9   9              " @9$U 0!X;"]W;W)K<VAE971S+W-H965T
M,C@N>&UL4$L! A0#%     @ &H146DK%[0Y>!P  $!(  !D
M ("!A#\! 'AL+W=O<FMS:&5E=',O<VAE970R.2YX;6Q02P$"% ,4    "  :
MA%1:_TFZ[1@)  !/%@  &0              @($91P$ >&PO=V]R:W-H965T
M<R]S:&5E=#,P+GAM;%!+ 0(4 Q0    ( !J$5%IA(S9VX 0  (@*   9
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M970S-2YX;6Q02P$"% ,4    "  :A%1: %3RBFL)  #-*   &0
M    @($680$ >&PO=V]R:W-H965T<R]S:&5E=#,V+GAM;%!+ 0(4 Q0    (
M !J$5%INU?1_0CL  !S0   9              " @;AJ 0!X;"]W;W)K<VAE
M971S+W-H965T,S<N>&UL4$L! A0#%     @ &H146OV_49+#!@  V!(  !D
M             ("!,:8! 'AL+W=O<FMS:&5E=',O<VAE970S."YX;6Q02P$"
M% ,4    "  :A%1:--[O[GT-  #^,P  &0              @($KK0$ >&PO
M=V]R:W-H965T<R]S:&5E=#,Y+GAM;%!+ 0(4 Q0    ( !J$5%IPR? BF"$
M &9^   9              " @=^Z 0!X;"]W;W)K<VAE971S+W-H965T-# N
M>&UL4$L! A0#%     @ &H146I-!.JSJ @  9P8  !D              ("!
MKMP! 'AL+W=O<FMS:&5E=',O<VAE970T,2YX;6Q02P$"% ,4    "  :A%1:
MT"1;;/4#  !:"0  &0              @('/WP$ >&PO=V]R:W-H965T<R]S
M:&5E=#0R+GAM;%!+ 0(4 Q0    ( !J$5%I1WD\[U@,  /L)   9
M      " @?OC 0!X;"]W;W)K<VAE971S+W-H965T-#,N>&UL4$L! A0#%
M  @ &H146I+QIRR/#   _R,  !D              ("!".@! 'AL+W=O<FMS
M:&5E=',O<VAE970T-"YX;6Q02P$"% ,4    "  :A%1:_Y+&A;H'  #G'0
M&0              @('.] $ >&PO=V]R:W-H965T<R]S:&5E=#0U+GAM;%!+
M 0(4 Q0    ( !J$5%H << A_ ,  .((   9              " @;_\ 0!X
M;"]W;W)K<VAE971S+W-H965T-#8N>&UL4$L! A0#%     @ &H146@5L+H]"
M!   7PD  !D              ("!\@ " 'AL+W=O<FMS:&5E=',O<VAE970T
M-RYX;6Q02P$"% ,4    "  :A%1:9Y[5V[@&  !^$P  &0
M@(%K!0( >&PO=V]R:W-H965T<R]S:&5E=#0X+GAM;%!+ 0(4 Q0    ( !J$
M5%K5+X!=; @  .$8   9              " @5H, @!X;"]W;W)K<VAE971S
M+W-H965T-#DN>&UL4$L! A0#%     @ &H146D?(O,7G!     P  !D
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M=#4T+GAM;%!+ 0(4 Q0    ( !J$5%H[+\X]L 0  "46   9
M  " @0,P @!X;"]W;W)K<VAE971S+W-H965T-34N>&UL4$L! A0#%     @
M&H146MZ2([VG!   ^R   !D              ("!ZC0" 'AL+W=O<FMS:&5E
M=',O<VAE970U-BYX;6Q02P$"% ,4    "  :A%1:GD<U&CL"  #P!   &0
M            @('(.0( >&PO=V]R:W-H965T<R]S:&5E=#4W+GAM;%!+ 0(4
M Q0    ( !J$5%J2,7^%0@(  .0$   9              " @3H\ @!X;"]W
M;W)K<VAE971S+W-H965T-3@N>&UL4$L! A0#%     @ &H146GFJ]AA] P
M_PX  !D              ("!LSX" 'AL+W=O<FMS:&5E=',O<VAE970U.2YX
M;6Q02P$"% ,4    "  :A%1:^1BK7N("  !M"   &0              @(%G
M0@( >&PO=V]R:W-H965T<R]S:&5E=#8P+GAM;%!+ 0(4 Q0    ( !J$5%K:
MG#NEW08  +LL   9              " @8!% @!X;"]W;W)K<VAE971S+W-H
M965T-C$N>&UL4$L! A0#%     @ &H146NT?+U9T!0  2AT  !D
M     ("!E$P" 'AL+W=O<FMS:&5E=',O<VAE970V,BYX;6Q02P$"% ,4
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M+GAM;%!+ 0(4 Q0    ( !J$5%HZ.^H], 4  (<B   9              "
M@41L @!X;"]W;W)K<VAE971S+W-H965T-C<N>&UL4$L! A0#%     @ &H14
M6G%-)3FN P  @ \  !D              ("!JW$" 'AL+W=O<FMS:&5E=',O
M<VAE970V."YX;6Q02P$"% ,4    "  :A%1:[BNY5JX#  !1%0  &0
M        @(&0=0( >&PO=V]R:W-H965T<R]S:&5E=#8Y+GAM;%!+ 0(4 Q0
M   ( !J$5%J.?55=XA   .>;   9              " @75Y @!X;"]W;W)K
M<VAE971S+W-H965T-S N>&UL4$L! A0#%     @ &H146D&Q.)[;"@  UV,
M !D              ("!CHH" 'AL+W=O<FMS:&5E=',O<VAE970W,2YX;6Q0
M2P$"% ,4    "  :A%1:QO.?TD(%  !='P  &0              @(&@E0(
M>&PO=V]R:W-H965T<R]S:&5E=#<R+GAM;%!+ 0(4 Q0    ( !J$5%J.I?U0
M5P0  !P4   9              " @1F; @!X;"]W;W)K<VAE971S+W-H965T
M-S,N>&UL4$L! A0#%     @ &H146BIG5C$<!0  $1T  !D
M ("!IY\" 'AL+W=O<FMS:&5E=',O<VAE970W-"YX;6Q02P$"% ,4    "  :
MA%1:D0FJQ]83  #SH   &0              @('ZI ( >&PO=V]R:W-H965T
M<R]S:&5E=#<U+GAM;%!+ 0(4 Q0    ( !J$5%J%6%J2/2$  & T 0 9
M          " @0>Y @!X;"]W;W)K<VAE971S+W-H965T-S8N>&UL4$L! A0#
M%     @ &H146O1(WA;Q @  / @  !D              ("!>]H" 'AL+W=O
M<FMS:&5E=',O<VAE970W-RYX;6Q02P$"% ,4    "  :A%1:M?/+=L<#  #/
M#0  &0              @(&CW0( >&PO=V]R:W-H965T<R]S:&5E=#<X+GAM
M;%!+ 0(4 Q0    ( !J$5%IBOZ+NJ ,  &D1   9              " @:'A
M @!X;"]W;W)K<VAE971S+W-H965T-SDN>&UL4$L! A0#%     @ &H146CWG
MA8R& @  N 8  !D              ("!@.4" 'AL+W=O<FMS:&5E=',O<VAE
M970X,"YX;6Q02P$"% ,4    "  :A%1:"@%](BP%  #3)P  &0
M    @($]Z ( >&PO=V]R:W-H965T<R]S:&5E=#@Q+GAM;%!+ 0(4 Q0    (
M !J$5%K'.7!TF0@  -]-   9              " @:#M @!X;"]W;W)K<VAE
M971S+W-H965T.#(N>&UL4$L! A0#%     @ &H146C&XE =A @  8P8  !D
M             ("!</8" 'AL+W=O<FMS:&5E=',O<VAE970X,RYX;6Q02P$"
M% ,4    "  :A%1:#7HFC(@#   ^#0  &0              @($(^0( >&PO
M=V]R:W-H965T<R]S:&5E=#@T+GAM;%!+ 0(4 Q0    ( !J$5%J:Q3D!(@,
M !4*   9              " @<?\ @!X;"]W;W)K<VAE971S+W-H965T.#4N
M>&UL4$L! A0#%     @ &H146G [M"3^ @  '0D  !D              ("!
M(  # 'AL+W=O<FMS:&5E=',O<VAE970X-BYX;6Q02P$"% ,4    "  :A%1:
M7[*K 7<$   .'0  &0              @(%5 P, >&PO=V]R:W-H965T<R]S
M:&5E=#@W+GAM;%!+ 0(4 Q0    ( !J$5%H-70?DG ,  &$0   9
M      " @0,( P!X;"]W;W)K<VAE971S+W-H965T.#@N>&UL4$L! A0#%
M  @ &H146C?HY,_:#0  >-P  !D              ("!U@L# 'AL+W=O<FMS
M:&5E=',O<VAE970X.2YX;6Q02P$"% ,4    "  :A%1:G1</?:<#  #G#@
M&0              @('G&0, >&PO=V]R:W-H965T<R]S:&5E=#DP+GAM;%!+
M 0(4 Q0    ( !J$5%H;ZXD6^P0  ,,:   9              " @<4= P!X
M;"]W;W)K<VAE971S+W-H965T.3$N>&UL4$L! A0#%     @ &H146O^\((4R
M#@  P^8  !D              ("!]R(# 'AL+W=O<FMS:&5E=',O<VAE970Y
M,BYX;6Q02P$"% ,4    "  :A%1:Q;('F]D%   I*P  &0
M@(%@,0, >&PO=V]R:W-H965T<R]S:&5E=#DS+GAM;%!+ 0(4 Q0    ( !J$
M5%KH4.X>N@8   ])   9              " @7 W P!X;"]W;W)K<VAE971S
M+W-H965T.30N>&UL4$L! A0#%     @ &H146K6U-*IE!@  0D8  !D
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M=#DY+GAM;%!+ 0(4 Q0    ( !J$5%I52Y6&-@,  #,,   :
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M,3 T+GAM;%!+ 0(4 Q0    ( !J$5%K3Q0+8W@,  $43   :
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M,3 Y+GAM;%!+ 0(4 Q0    ( !J$5%K<QI0(PP0  !02   :
M  " @0M_ P!X;"]W;W)K<VAE971S+W-H965T,3$P+GAM;%!+ 0(4 Q0    (
M !J$5%J0I=/VM 8   XN   :              " @0:$ P!X;"]W;W)K<VAE
M971S+W-H965T,3$Q+GAM;%!+ 0(4 Q0    ( !J$5%IEZDJ?3P4  , ?   :
M              " @?** P!X;"]W;W)K<VAE971S+W-H965T,3$R+GAM;%!+
M 0(4 Q0    ( !J$5%HB>E!L?@8  (PM   :              " @7F0 P!X
M;"]W;W)K<VAE971S+W-H965T,3$S+GAM;%!+ 0(4 Q0    ( !J$5%J+)/KA
M90,  *P*   :              " @2^7 P!X;"]W;W)K<VAE971S+W-H965T
M,3$T+GAM;%!+ 0(4 Q0    ( !J$5%J.92RYB 4  ,LB   :
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M,3$Y+GAM;%!+ 0(4 Q0    ( !J$5%H[X#@E/P4  -L>   :
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M,3(T+GAM;%!+ 0(4 Q0    ( !J$5%I@VU,.,@,  %0*   :
M  " @7?- P!X;"]W;W)K<VAE971S+W-H965T,3(U+GAM;%!+ 0(4 Q0    (
M !J$5%KI:NK)( 4  # =   :              " @>'0 P!X;"]W;W)K<VAE
M971S+W-H965T,3(V+GAM;%!+ 0(4 Q0    ( !J$5%JU,F:TA ,  ,,,   :
M              " @3G6 P!X;"]W;W)K<VAE971S+W-H965T,3(W+GAM;%!+
M 0(4 Q0    ( !J$5%JS822-;00   40   :              " @?79 P!X
M;"]W;W)K<VAE971S+W-H965T,3(X+GAM;%!+ 0(4 Q0    ( !J$5%H8K8T&
MQ ,  'L,   :              " @9K> P!X;"]W;W)K<VAE971S+W-H965T
M,3(Y+GAM;%!+ 0(4 Q0    ( !J$5%J@:UX(_P$  !,$   :
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M,3,T+GAM;%!+ 0(4 Q0    ( !J$5%K%PE6'L@4  +TS   :
M  " @2,$! !X;"]W;W)K<VAE971S+W-H965T,3,U+GAM;%!+ 0(4 Q0    (
M !J$5%K9),(48P,  %L7   -              "  0T*! !X;"]S='EL97,N
M>&UL4$L! A0#%     @ &H146I>*NQS     $P(   L              ( !
MFPT$ %]R96QS+RYR96QS4$L! A0#%     @ &H146@3?3F]0"0  K%@   \
M             ( !A X$ 'AL+W=O<FMB;V]K+GAM;%!+ 0(4 Q0    ( !J$
M5%J\43FEJ ,  "9/   :              "  0$8! !X;"]?<F5L<R]W;W)K
M8F]O:RYX;6PN<F5L<U!+ 0(4 Q0    ( !J$5%IQ'A6IR (  *%+   3
M          "  >$;! !;0V]N=&5N=%]4>7!E<UTN>&UL4$L%!@    "/ (\
*A"<  -H>!     $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>159
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>160
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
.report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

.report table.authRefData a {
	display: block;
	font-weight: bold;
}

.report table.authRefData p {
	margin-top: 0px;
}

.report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

.report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

.report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

.report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
.pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
.report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

.report hr {
	border: 1px solid #acf;
}

/* Top labels */
.report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

.report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

.report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

.report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

.report td.pl div.a {
	width: 200px;
}

.report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
.report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
.report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
.report .re, .report .reu {
	background-color: #def;
}

.report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
.report .ro, .report .rou {
	background-color: white;
}

.report .rou td {
	border-bottom: 1px solid black;
}

.report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
.report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
.report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

.report .nump {
	padding-left: 2em;
}

.report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
.report .text {
	text-align: left;
	white-space: normal;
}

.report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

.report .text .more {
	display: none;
}

.report .text .note {
	font-style: italic;
	font-weight: bold;
}

.report .text .small {
	width: 10em;
}

.report sup {
	font-style: italic;
}

.report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>162
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.25.0.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>503</ContextCount>
  <ElementCount>807</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>174</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>8</UnitCount>
  <MyReports>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>0000001 - Document - Cover Page</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/CoverPage</Role>
      <ShortName>Cover Page</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R2.htm</HtmlFileName>
      <LongName>0000002 - Document - Audit Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/AuditInformation</Role>
      <ShortName>Audit Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>2</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R3.htm</HtmlFileName>
      <LongName>9952151 - Statement - CONSOLIDATED BALANCE SHEETS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS</Role>
      <ShortName>CONSOLIDATED BALANCE SHEETS</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>3</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R4.htm</HtmlFileName>
      <LongName>9952152 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical</Role>
      <ShortName>CONSOLIDATED BALANCE SHEETS (Parenthetical)</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>4</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R5.htm</HtmlFileName>
      <LongName>9952153 - Statement - CONSOLIDATED STATEMENTS OF INCOME</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME</Role>
      <ShortName>CONSOLIDATED STATEMENTS OF INCOME</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>5</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R6.htm</HtmlFileName>
      <LongName>9952154 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME</Role>
      <ShortName>CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>6</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R7.htm</HtmlFileName>
      <LongName>9952155 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY</Role>
      <ShortName>CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>7</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R8.htm</HtmlFileName>
      <LongName>9952156 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Parenthetical)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical</Role>
      <ShortName>CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Parenthetical)</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>8</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R9.htm</HtmlFileName>
      <LongName>9952157 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS</Role>
      <ShortName>CONSOLIDATED STATEMENTS OF CASH FLOWS</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>9</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R10.htm</HtmlFileName>
      <LongName>9952158 - Disclosure - Organization and Business</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/OrganizationandBusiness</Role>
      <ShortName>Organization and Business</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>10</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R11.htm</HtmlFileName>
      <LongName>9952159 - Disclosure - Significant Accounting Policies</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SignificantAccountingPolicies</Role>
      <ShortName>Significant Accounting Policies</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>11</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R12.htm</HtmlFileName>
      <LongName>9952160 - Disclosure - Cash and Cash Equivalents</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/CashandCashEquivalents</Role>
      <ShortName>Cash and Cash Equivalents</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>12</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R13.htm</HtmlFileName>
      <LongName>9952161 - Disclosure - Investments</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/Investments</Role>
      <ShortName>Investments</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>13</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R14.htm</HtmlFileName>
      <LongName>9952162 - Disclosure - Loans Held for Investment</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/LoansHeldforInvestment</Role>
      <ShortName>Loans Held for Investment</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>14</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R15.htm</HtmlFileName>
      <LongName>9952163 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitments</Role>
      <ShortName>Allowance for Credit Losses and Unfunded Loan Commitments</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>15</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R16.htm</HtmlFileName>
      <LongName>9952164 - Disclosure - Premises and Equipment, Net</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/PremisesandEquipmentNet</Role>
      <ShortName>Premises and Equipment, Net</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>16</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R17.htm</HtmlFileName>
      <LongName>9952165 - Disclosure - Goodwill and Acquired Intangible Assets</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssets</Role>
      <ShortName>Goodwill and Acquired Intangible Assets</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>17</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R18.htm</HtmlFileName>
      <LongName>9952166 - Disclosure - Deposits</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/Deposits</Role>
      <ShortName>Deposits</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>18</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R19.htm</HtmlFileName>
      <LongName>9952167 - Disclosure - Borrowings</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/Borrowings</Role>
      <ShortName>Borrowings</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>19</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R20.htm</HtmlFileName>
      <LongName>9952168 - Disclosure - Derivative Financial Instruments</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DerivativeFinancialInstruments</Role>
      <ShortName>Derivative Financial Instruments</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>20</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R21.htm</HtmlFileName>
      <LongName>9952169 - Disclosure - Stockholders' Equity</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockholdersEquity</Role>
      <ShortName>Stockholders' Equity</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>21</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R22.htm</HtmlFileName>
      <LongName>9952170 - Disclosure - Earnings Per Common Share</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/EarningsPerCommonShare</Role>
      <ShortName>Earnings Per Common Share</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>22</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R23.htm</HtmlFileName>
      <LongName>9952171 - Disclosure - Stock-Based Compensation Plans and Arrangements</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockBasedCompensationPlansandArrangements</Role>
      <ShortName>Stock-Based Compensation Plans and Arrangements</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>23</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R24.htm</HtmlFileName>
      <LongName>9952172 - Disclosure - Fair Value Measurements</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/FairValueMeasurements</Role>
      <ShortName>Fair Value Measurements</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>24</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R25.htm</HtmlFileName>
      <LongName>9952173 - Disclosure - Regulatory Capital</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/RegulatoryCapital</Role>
      <ShortName>Regulatory Capital</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>25</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R26.htm</HtmlFileName>
      <LongName>9952174 - Disclosure - Defined Contribution Plans</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DefinedContributionPlans</Role>
      <ShortName>Defined Contribution Plans</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>26</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R27.htm</HtmlFileName>
      <LongName>9952175 - Disclosure - Commitments, Contingencies and Guarantees</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/CommitmentsContingenciesandGuarantees</Role>
      <ShortName>Commitments, Contingencies and Guarantees</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>27</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R28.htm</HtmlFileName>
      <LongName>9952176 - Disclosure - Income Taxes</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/IncomeTaxes</Role>
      <ShortName>Income Taxes</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>28</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R29.htm</HtmlFileName>
      <LongName>9952177 - Disclosure - Concentrations of Risk</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/ConcentrationsofRisk</Role>
      <ShortName>Concentrations of Risk</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>29</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R30.htm</HtmlFileName>
      <LongName>9952178 - Disclosure - Parent Only Statements</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/ParentOnlyStatements</Role>
      <ShortName>Parent Only Statements</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>30</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R31.htm</HtmlFileName>
      <LongName>9952179 - Disclosure - Segment Reporting</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SegmentReporting</Role>
      <ShortName>Segment Reporting</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>31</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R32.htm</HtmlFileName>
      <LongName>9952180 - Disclosure - Subsequent Events</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SubsequentEvents</Role>
      <ShortName>Subsequent Events</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>32</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R33.htm</HtmlFileName>
      <LongName>995410 - Disclosure - Pay vs Performance Disclosure</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://xbrl.sec.gov/ecd/role/PvpDisclosure</Role>
      <ShortName>Pay vs Performance Disclosure</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>33</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R34.htm</HtmlFileName>
      <LongName>995445 - Disclosure - Insider Trading Arrangements</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements</Role>
      <ShortName>Insider Trading Arrangements</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>34</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R35.htm</HtmlFileName>
      <LongName>995447 - Disclosure - Insider Trading Policies and Procedures</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc</Role>
      <ShortName>Insider Trading Policies and Procedures</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>35</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R36.htm</HtmlFileName>
      <LongName>995550 - Disclosure - Cybersecurity Risk Management and Strategy Disclosure</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure</Role>
      <ShortName>Cybersecurity Risk Management and Strategy Disclosure</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>36</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R37.htm</HtmlFileName>
      <LongName>9955511 - Disclosure - Significant Accounting Policies (Policies)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies</Role>
      <ShortName>Significant Accounting Policies (Policies)</ShortName>
      <MenuCategory>Policies</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/SignificantAccountingPolicies</ParentRole>
      <Position>37</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R38.htm</HtmlFileName>
      <LongName>9955512 - Disclosure - Investments (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/InvestmentsTables</Role>
      <ShortName>Investments (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/Investments</ParentRole>
      <Position>38</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R39.htm</HtmlFileName>
      <LongName>9955513 - Disclosure - Loans Held for Investment (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/LoansHeldforInvestmentTables</Role>
      <ShortName>Loans Held for Investment (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/LoansHeldforInvestment</ParentRole>
      <Position>39</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R40.htm</HtmlFileName>
      <LongName>9955514 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsTables</Role>
      <ShortName>Allowance for Credit Losses and Unfunded Loan Commitments (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitments</ParentRole>
      <Position>40</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R41.htm</HtmlFileName>
      <LongName>9955515 - Disclosure - Premises and Equipment, Net (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/PremisesandEquipmentNetTables</Role>
      <ShortName>Premises and Equipment, Net (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/PremisesandEquipmentNet</ParentRole>
      <Position>41</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R42.htm</HtmlFileName>
      <LongName>9955516 - Disclosure - Goodwill and Acquired Intangible Assets (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsTables</Role>
      <ShortName>Goodwill and Acquired Intangible Assets (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssets</ParentRole>
      <Position>42</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R43.htm</HtmlFileName>
      <LongName>9955517 - Disclosure - Deposits (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DepositsTables</Role>
      <ShortName>Deposits (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/Deposits</ParentRole>
      <Position>43</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R44.htm</HtmlFileName>
      <LongName>9955518 - Disclosure - Borrowings (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/BorrowingsTables</Role>
      <ShortName>Borrowings (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/Borrowings</ParentRole>
      <Position>44</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R45.htm</HtmlFileName>
      <LongName>9955519 - Disclosure - Derivative Financial Instruments (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DerivativeFinancialInstrumentsTables</Role>
      <ShortName>Derivative Financial Instruments (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/DerivativeFinancialInstruments</ParentRole>
      <Position>45</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R46.htm</HtmlFileName>
      <LongName>9955520 - Disclosure - Stockholders' Equity (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockholdersEquityTables</Role>
      <ShortName>Stockholders' Equity (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/StockholdersEquity</ParentRole>
      <Position>46</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R47.htm</HtmlFileName>
      <LongName>9955521 - Disclosure - Earnings Per Common Share (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/EarningsPerCommonShareTables</Role>
      <ShortName>Earnings Per Common Share (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/EarningsPerCommonShare</ParentRole>
      <Position>47</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R48.htm</HtmlFileName>
      <LongName>9955522 - Disclosure - Stock-Based Compensation Plans and Arrangements (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsTables</Role>
      <ShortName>Stock-Based Compensation Plans and Arrangements (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/StockBasedCompensationPlansandArrangements</ParentRole>
      <Position>48</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R49.htm</HtmlFileName>
      <LongName>9955523 - Disclosure - Fair Value Measurements (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/FairValueMeasurementsTables</Role>
      <ShortName>Fair Value Measurements (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/FairValueMeasurements</ParentRole>
      <Position>49</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R50.htm</HtmlFileName>
      <LongName>9955524 - Disclosure - Regulatory Capital (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/RegulatoryCapitalTables</Role>
      <ShortName>Regulatory Capital (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/RegulatoryCapital</ParentRole>
      <Position>50</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R51.htm</HtmlFileName>
      <LongName>9955525 - Disclosure - Income Taxes (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/IncomeTaxesTables</Role>
      <ShortName>Income Taxes (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/IncomeTaxes</ParentRole>
      <Position>51</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R52.htm</HtmlFileName>
      <LongName>9955526 - Disclosure - Parent Only Statements (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/ParentOnlyStatementsTables</Role>
      <ShortName>Parent Only Statements (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/ParentOnlyStatements</ParentRole>
      <Position>52</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R53.htm</HtmlFileName>
      <LongName>9955527 - Disclosure - Segment Reporting (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SegmentReportingTables</Role>
      <ShortName>Segment Reporting (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/SegmentReporting</ParentRole>
      <Position>53</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R54.htm</HtmlFileName>
      <LongName>9955528 - Disclosure - Significant Accounting Policies - Trading Investments Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SignificantAccountingPoliciesTradingInvestmentsNarrativeDetails</Role>
      <ShortName>Significant Accounting Policies - Trading Investments Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>54</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R55.htm</HtmlFileName>
      <LongName>9955529 - Disclosure - Significant Accounting Policies - Allowance for FFELP Loans and Loan Interest Income (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails</Role>
      <ShortName>Significant Accounting Policies - Allowance for FFELP Loans and Loan Interest Income (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>55</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R56.htm</HtmlFileName>
      <LongName>9955530 - Disclosure - Significant Accounting Policies - Business Combination (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails</Role>
      <ShortName>Significant Accounting Policies - Business Combination (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>56</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R57.htm</HtmlFileName>
      <LongName>9955531 - Disclosure - Significant Accounting Policies - Deposits (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SignificantAccountingPoliciesDepositsDetails</Role>
      <ShortName>Significant Accounting Policies - Deposits (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>57</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R58.htm</HtmlFileName>
      <LongName>9955532 - Disclosure - Significant Accounting Policies - Securitization Accounting (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SignificantAccountingPoliciesSecuritizationAccountingDetails</Role>
      <ShortName>Significant Accounting Policies - Securitization Accounting (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>58</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R59.htm</HtmlFileName>
      <LongName>9955533 - Disclosure - Significant Accounting Policies - Derivative Accounting (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails</Role>
      <ShortName>Significant Accounting Policies - Derivative Accounting (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>59</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R60.htm</HtmlFileName>
      <LongName>9955534 - Disclosure - Cash and Cash Equivalents (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/CashandCashEquivalentsDetails</Role>
      <ShortName>Cash and Cash Equivalents (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/CashandCashEquivalents</ParentRole>
      <Position>60</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R61.htm</HtmlFileName>
      <LongName>9955535 - Disclosure - Investments - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/InvestmentsNarrativeDetails</Role>
      <ShortName>Investments - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>61</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R62.htm</HtmlFileName>
      <LongName>9955536 - Disclosure - Investments - Amortized Cost and Fair Value of Securities Available for Sale (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails</Role>
      <ShortName>Investments - Amortized Cost and Fair Value of Securities Available for Sale (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>62</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R63.htm</HtmlFileName>
      <LongName>9955537 - Disclosure - Investments - Gross Unrealized Losses and Fair Value for Mortgage-Backed in Unrealized Loss Position (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails</Role>
      <ShortName>Investments - Gross Unrealized Losses and Fair Value for Mortgage-Backed in Unrealized Loss Position (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>63</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R64.htm</HtmlFileName>
      <LongName>9955538 - Disclosure - Investments - Maturity Table (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/InvestmentsMaturityTableDetails</Role>
      <ShortName>Investments - Maturity Table (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>64</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R65.htm</HtmlFileName>
      <LongName>9955539 - Disclosure - Loans Held for Investment -Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails</Role>
      <ShortName>Loans Held for Investment -Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>65</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R66.htm</HtmlFileName>
      <LongName>9955540 - Disclosure - Loans Held for Investment - Schedule of Allowance for Credit Losses and Recorded Investments in Loans (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails</Role>
      <ShortName>Loans Held for Investment - Schedule of Allowance for Credit Losses and Recorded Investments in Loans (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>66</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R67.htm</HtmlFileName>
      <LongName>9955541 - Disclosure - Loans Held for Investment - Student Loan Portfolio by Program (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails</Role>
      <ShortName>Loans Held for Investment - Student Loan Portfolio by Program (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>67</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R68.htm</HtmlFileName>
      <LongName>9955542 - Disclosure - Loans Held for Investment - Student Loan Portfolio Average Balances (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails</Role>
      <ShortName>Loans Held for Investment - Student Loan Portfolio Average Balances (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>68</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R69.htm</HtmlFileName>
      <LongName>9955543 - Disclosure - Loans Held for Investment - By Region (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails</Role>
      <ShortName>Loans Held for Investment - By Region (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>69</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R70.htm</HtmlFileName>
      <LongName>9955544 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Allowance and Recorded Investments in Loans (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails</Role>
      <ShortName>Allowance for Credit Losses and Unfunded Loan Commitments - Allowance and Recorded Investments in Loans (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>70</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R71.htm</HtmlFileName>
      <LongName>9955545 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails</Role>
      <ShortName>Allowance for Credit Losses and Unfunded Loan Commitments - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsTables</ParentRole>
      <Position>71</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R72.htm</HtmlFileName>
      <LongName>9955546 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Amortized Cost Basis of Financing Receivables with Loan Modifications (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails</Role>
      <ShortName>Allowance for Credit Losses and Unfunded Loan Commitments - Amortized Cost Basis of Financing Receivables with Loan Modifications (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>72</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R73.htm</HtmlFileName>
      <LongName>9955547 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Financing Receivable, Modified, Subsequent Default (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails</Role>
      <ShortName>Allowance for Credit Losses and Unfunded Loan Commitments - Financing Receivable, Modified, Subsequent Default (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>73</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R74.htm</HtmlFileName>
      <LongName>9955548 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Payment Status (Amortized Cost Basis) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails</Role>
      <ShortName>Allowance for Credit Losses and Unfunded Loan Commitments - Payment Status (Amortized Cost Basis) (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>74</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R75.htm</HtmlFileName>
      <LongName>9955549 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Age Analysis of Past Due Loans Delinquencies (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails</Role>
      <ShortName>Allowance for Credit Losses and Unfunded Loan Commitments - Age Analysis of Past Due Loans Delinquencies (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>75</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R76.htm</HtmlFileName>
      <LongName>9955550 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Loan Portfolio Stratified by Key Credit Quality Indicators (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails</Role>
      <ShortName>Allowance for Credit Losses and Unfunded Loan Commitments - Loan Portfolio Stratified by Key Credit Quality Indicators (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>76</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R77.htm</HtmlFileName>
      <LongName>9955551 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Accrued Interest Receivable (Detail)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAccruedInterestReceivableDetail</Role>
      <ShortName>Allowance for Credit Losses and Unfunded Loan Commitments - Accrued Interest Receivable (Detail)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>77</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R78.htm</HtmlFileName>
      <LongName>9955552 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Schedule of Allowance for Credit Losses and Recorded Investments in Loans (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails</Role>
      <ShortName>Allowance for Credit Losses and Unfunded Loan Commitments - Schedule of Allowance for Credit Losses and Recorded Investments in Loans (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>78</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R79.htm</HtmlFileName>
      <LongName>9955553 - Disclosure - Premises and Equipment, Net - Schedule of Premises and Equipment (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails</Role>
      <ShortName>Premises and Equipment, Net - Schedule of Premises and Equipment (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>79</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R80.htm</HtmlFileName>
      <LongName>9955554 - Disclosure - Premises and Equipment, Net -Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/PremisesandEquipmentNetNarrativeDetails</Role>
      <ShortName>Premises and Equipment, Net -Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>80</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R81.htm</HtmlFileName>
      <LongName>9955555 - Disclosure - Goodwill and Acquired Intangible Assets - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails</Role>
      <ShortName>Goodwill and Acquired Intangible Assets - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>81</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R82.htm</HtmlFileName>
      <LongName>9955556 - Disclosure - Goodwill and Acquired Intangible Assets - Schedule of Acquired Intangible Assets (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails</Role>
      <ShortName>Goodwill and Acquired Intangible Assets - Schedule of Acquired Intangible Assets (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>82</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R83.htm</HtmlFileName>
      <LongName>9955557 - Disclosure - Deposits - Summary of Total Deposits (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails</Role>
      <ShortName>Deposits - Summary of Total Deposits (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>83</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R84.htm</HtmlFileName>
      <LongName>9955558 - Disclosure - Deposits -Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DepositsNarrativeDetails</Role>
      <ShortName>Deposits -Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>84</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R85.htm</HtmlFileName>
      <LongName>9955559 - Disclosure - Deposits - Interest Bearing Deposits (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails</Role>
      <ShortName>Deposits - Interest Bearing Deposits (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>85</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R86.htm</HtmlFileName>
      <LongName>9955560 - Disclosure - Deposits - Certificates of Deposits Maturities (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails</Role>
      <ShortName>Deposits - Certificates of Deposits Maturities (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>86</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R87.htm</HtmlFileName>
      <LongName>9955561 - Disclosure - Borrowings - Company Borrowings (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails</Role>
      <ShortName>Borrowings - Company Borrowings (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>87</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R88.htm</HtmlFileName>
      <LongName>9955562 - Disclosure - Borrowings - Short-term Borrowings Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails</Role>
      <ShortName>Borrowings - Short-term Borrowings Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>88</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R89.htm</HtmlFileName>
      <LongName>9955563 - Disclosure - Borrowings - Long Term Borrowings Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails</Role>
      <ShortName>Borrowings - Long Term Borrowings Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>89</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R90.htm</HtmlFileName>
      <LongName>9955564 - Disclosure - Borrowings - Summary of Outstanding Borrowings (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails</Role>
      <ShortName>Borrowings - Summary of Outstanding Borrowings (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>90</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R91.htm</HtmlFileName>
      <LongName>9955565 - Disclosure - Borrowings - Stated Maturity and Maturity to Call Date (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails</Role>
      <ShortName>Borrowings - Stated Maturity and Maturity to Call Date (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>91</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R92.htm</HtmlFileName>
      <LongName>9955566 - Disclosure - Borrowings - Secured Financing (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails</Role>
      <ShortName>Borrowings - Secured Financing (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>92</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R93.htm</HtmlFileName>
      <LongName>9955567 - Disclosure - Borrowings - Financing VIEs (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails</Role>
      <ShortName>Borrowings - Financing VIEs (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>93</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R94.htm</HtmlFileName>
      <LongName>9955568 - Disclosure - Borrowings - Unconsolidated VIEs Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails</Role>
      <ShortName>Borrowings - Unconsolidated VIEs Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>94</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R95.htm</HtmlFileName>
      <LongName>9955569 - Disclosure - Borrowings - Securities Financing Transactions (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails</Role>
      <ShortName>Borrowings - Securities Financing Transactions (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>95</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R96.htm</HtmlFileName>
      <LongName>9955570 - Disclosure - Borrowings - Summary of Exposure Related to Unconsolidated VIEs (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails</Role>
      <ShortName>Borrowings - Summary of Exposure Related to Unconsolidated VIEs (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>96</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R97.htm</HtmlFileName>
      <LongName>9955571 - Disclosure - Borrowings - Other Borrowing Sources Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/BorrowingsOtherBorrowingSourcesNarrativeDetails</Role>
      <ShortName>Borrowings - Other Borrowing Sources Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>97</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R98.htm</HtmlFileName>
      <LongName>9955572 - Disclosure - Derivative Financial Instruments - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails</Role>
      <ShortName>Derivative Financial Instruments - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>98</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R99.htm</HtmlFileName>
      <LongName>9955573 - Disclosure - Derivative Financial Instruments - Impact of Derivatives on Consolidated Balance Sheet (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails</Role>
      <ShortName>Derivative Financial Instruments - Impact of Derivatives on Consolidated Balance Sheet (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>99</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R100.htm</HtmlFileName>
      <LongName>9955574 - Disclosure - Derivative Financial Instruments - Offsetting Assets and Liabilities (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails</Role>
      <ShortName>Derivative Financial Instruments - Offsetting Assets and Liabilities (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>100</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R101.htm</HtmlFileName>
      <LongName>9955575 - Disclosure - Derivative Financial Instruments - Notional Values (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails</Role>
      <ShortName>Derivative Financial Instruments - Notional Values (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>101</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R102.htm</HtmlFileName>
      <LongName>9955576 - Disclosure - Derivative Financial Instruments - Schedule of Hedged Items Recorded in Statement of Financial Position (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails</Role>
      <ShortName>Derivative Financial Instruments - Schedule of Hedged Items Recorded in Statement of Financial Position (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>102</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R103.htm</HtmlFileName>
      <LongName>9955577 - Disclosure - Derivative Financial Instruments - Impact of Derivatives on Consolidated Statements of Income (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails</Role>
      <ShortName>Derivative Financial Instruments - Impact of Derivatives on Consolidated Statements of Income (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>103</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R104.htm</HtmlFileName>
      <LongName>9955578 - Disclosure - Derivative Financial Instruments - Impact of Derivatives on Consolidated Statement of Changes in Stockholders' Equity (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails</Role>
      <ShortName>Derivative Financial Instruments - Impact of Derivatives on Consolidated Statement of Changes in Stockholders' Equity (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>104</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R105.htm</HtmlFileName>
      <LongName>9955579 - Disclosure - Stockholders' Equity - Preferred Stock (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails</Role>
      <ShortName>Stockholders' Equity - Preferred Stock (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>105</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R106.htm</HtmlFileName>
      <LongName>9955580 - Disclosure - Stockholders' Equity - Common Stock (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockholdersEquityCommonStockDetails</Role>
      <ShortName>Stockholders' Equity - Common Stock (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>106</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R107.htm</HtmlFileName>
      <LongName>9955581 - Disclosure - Stockholders' Equity - Common Stock Dividends (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockholdersEquityCommonStockDividendsDetails</Role>
      <ShortName>Stockholders' Equity - Common Stock Dividends (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>107</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R108.htm</HtmlFileName>
      <LongName>9955582 - Disclosure - Stockholders' Equity - Share Repurchases (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails</Role>
      <ShortName>Stockholders' Equity - Share Repurchases (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>108</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R109.htm</HtmlFileName>
      <LongName>9955583 - Disclosure - Stockholders' Equity - Schedule of Common Share Repurchases (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails</Role>
      <ShortName>Stockholders' Equity - Schedule of Common Share Repurchases (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>109</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R110.htm</HtmlFileName>
      <LongName>9955584 - Disclosure - Earnings Per Common Share (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/EarningsPerCommonShareDetails</Role>
      <ShortName>Earnings Per Common Share (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/EarningsPerCommonShareTables</ParentRole>
      <Position>110</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R111.htm</HtmlFileName>
      <LongName>9955585 - Disclosure - Stock-Based Compensation Plans and Arrangements - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails</Role>
      <ShortName>Stock-Based Compensation Plans and Arrangements - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>111</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R112.htm</HtmlFileName>
      <LongName>9955586 - Disclosure - Stock-Based Compensation Plans and Arrangements - Stock Option Activity (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails</Role>
      <ShortName>Stock-Based Compensation Plans and Arrangements - Stock Option Activity (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>112</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R113.htm</HtmlFileName>
      <LongName>9955587 - Disclosure - Stock-Based Compensation Plans and Arrangements - Restricted Stock and Performance Stock Unit Activity (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails</Role>
      <ShortName>Stock-Based Compensation Plans and Arrangements - Restricted Stock and Performance Stock Unit Activity (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>113</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R114.htm</HtmlFileName>
      <LongName>9955588 - Disclosure - Stock-Based Compensation Plans and Arrangements - Employee Stock Purchase Plan (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails</Role>
      <ShortName>Stock-Based Compensation Plans and Arrangements - Employee Stock Purchase Plan (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>114</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R115.htm</HtmlFileName>
      <LongName>9955589 - Disclosure - Fair Value Measurements - Valuation of Financial Instruments that are Marked-to-Market on Recurring Basis (Detail)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail</Role>
      <ShortName>Fair Value Measurements - Valuation of Financial Instruments that are Marked-to-Market on Recurring Basis (Detail)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>115</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R116.htm</HtmlFileName>
      <LongName>9955590 - Disclosure - Fair Value Measurements - Fair Value Measurement Inputs and Valuation Techniques (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails</Role>
      <ShortName>Fair Value Measurements - Fair Value Measurement Inputs and Valuation Techniques (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>116</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R117.htm</HtmlFileName>
      <LongName>9955591 - Disclosure - Fair Value Measurements - Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails</Role>
      <ShortName>Fair Value Measurements - Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>117</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R118.htm</HtmlFileName>
      <LongName>9955592 - Disclosure - Fair Value Measurements - Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments (Detail)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail</Role>
      <ShortName>Fair Value Measurements - Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments (Detail)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>118</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R119.htm</HtmlFileName>
      <LongName>9955593 - Disclosure - Fair Value Measurements - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails</Role>
      <ShortName>Fair Value Measurements - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>119</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R120.htm</HtmlFileName>
      <LongName>9955594 - Disclosure - Regulatory Capital - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails</Role>
      <ShortName>Regulatory Capital - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>120</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R121.htm</HtmlFileName>
      <LongName>9955595 - Disclosure - Regulatory Capital - Adjusted Transition Amounts (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails</Role>
      <ShortName>Regulatory Capital - Adjusted Transition Amounts (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>121</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R122.htm</HtmlFileName>
      <LongName>9955596 - Disclosure - Regulatory Capital - U.S. Basel III Regulatory Requirements (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails</Role>
      <ShortName>Regulatory Capital - U.S. Basel III Regulatory Requirements (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>122</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R123.htm</HtmlFileName>
      <LongName>9955597 - Disclosure - Defined Contribution Plans (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/DefinedContributionPlansDetails</Role>
      <ShortName>Defined Contribution Plans (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/DefinedContributionPlans</ParentRole>
      <Position>123</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R124.htm</HtmlFileName>
      <LongName>9955598 - Disclosure - Commitments, Contingencies and Guarantees (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/CommitmentsContingenciesandGuaranteesDetails</Role>
      <ShortName>Commitments, Contingencies and Guarantees (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/CommitmentsContingenciesandGuarantees</ParentRole>
      <Position>124</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R125.htm</HtmlFileName>
      <LongName>9955599 - Disclosure - Income Taxes - Reconciliations of Statutory U.S. Federal Income Tax Rates to Our Effective Tax Rate for Continuing Operations (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails</Role>
      <ShortName>Income Taxes - Reconciliations of Statutory U.S. Federal Income Tax Rates to Our Effective Tax Rate for Continuing Operations (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>125</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R126.htm</HtmlFileName>
      <LongName>9955600 - Disclosure - Income Taxes - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/IncomeTaxesNarrativeDetails</Role>
      <ShortName>Income Taxes - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>126</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R127.htm</HtmlFileName>
      <LongName>9955601 - Disclosure - Income Taxes - Components of Provision for Income Tax Expense (Benefit) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails</Role>
      <ShortName>Income Taxes - Components of Provision for Income Tax Expense (Benefit) (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>127</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R128.htm</HtmlFileName>
      <LongName>9955602 - Disclosure - Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails</Role>
      <ShortName>Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>128</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R129.htm</HtmlFileName>
      <LongName>9955603 - Disclosure - Income Taxes - Summary of Changes in Unrecognized Tax Benefits (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails</Role>
      <ShortName>Income Taxes - Summary of Changes in Unrecognized Tax Benefits (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>129</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R130.htm</HtmlFileName>
      <LongName>9955604 - Disclosure - Concentrations of Risk (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/ConcentrationsofRiskDetails</Role>
      <ShortName>Concentrations of Risk (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/ConcentrationsofRisk</ParentRole>
      <Position>130</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R131.htm</HtmlFileName>
      <LongName>9955605 - Disclosure - Parent Only Statements - Balance Sheets (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails</Role>
      <ShortName>Parent Only Statements - Balance Sheets (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>131</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R132.htm</HtmlFileName>
      <LongName>9955606 - Disclosure - Parent Only Statements - Statements of Income (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails</Role>
      <ShortName>Parent Only Statements - Statements of Income (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>132</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R133.htm</HtmlFileName>
      <LongName>9955607 - Disclosure - Parent Only Statements - Statements of Cash Flows (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails</Role>
      <ShortName>Parent Only Statements - Statements of Cash Flows (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>133</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R134.htm</HtmlFileName>
      <LongName>9955608 - Disclosure - Segment Reporting (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SegmentReportingDetails</Role>
      <ShortName>Segment Reporting (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/SegmentReportingTables</ParentRole>
      <Position>134</Position>
    </Report>
    <Report instance="slm-20241231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R135.htm</HtmlFileName>
      <LongName>9955609 - Disclosure - Subsequent Events (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.salliemae.com/role/SubsequentEventsDetails</Role>
      <ShortName>Subsequent Events (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <ParentRole>http://www.salliemae.com/role/SubsequentEvents</ParentRole>
      <Position>135</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="10-K" isDefinitelyFs="true" isUsgaap="true" original="slm-20241231.htm">slm-20241231.htm</File>
    <File>slm-20241231.xsd</File>
    <File>slm-20241231_cal.xml</File>
    <File>slm-20241231_def.xml</File>
    <File>slm-20241231_lab.xml</File>
    <File>slm-20241231_pre.xml</File>
  </InputFiles>
  <SupplementalFiles>
    <File>slm-20241231_g1.jpg</File>
    <File>slm-20241231_g2.jpg</File>
    <File>slm-20241231_g3.jpg</File>
    <File>slm-20241231_g4.jpg</File>
    <File>slm-20241231_g5.jpg</File>
  </SupplementalFiles>
  <BaseTaxonomies>
    <BaseTaxonomy items="8">http://fasb.org/srt/2024</BaseTaxonomy>
    <BaseTaxonomy items="2388">http://fasb.org/us-gaap/2024</BaseTaxonomy>
    <BaseTaxonomy items="15">http://xbrl.sec.gov/cyd/2024</BaseTaxonomy>
    <BaseTaxonomy items="41">http://xbrl.sec.gov/dei/2024</BaseTaxonomy>
    <BaseTaxonomy items="5">http://xbrl.sec.gov/ecd/2024</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>true</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>165
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "version": "2.2",
 "instance": {
  "slm-20241231.htm": {
   "nsprefix": "slm",
   "nsuri": "http://www.salliemae.com/20241231",
   "dts": {
    "inline": {
     "local": [
      "slm-20241231.htm"
     ]
    },
    "schema": {
     "local": [
      "slm-20241231.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/reference-2009-12-16.xsd",
      "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd",
      "https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd",
      "https://xbrl.fasb.org/srt/2024/elts/srt-roles-2024.xsd",
      "https://xbrl.fasb.org/srt/2024/elts/srt-types-2024.xsd",
      "https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd",
      "https://xbrl.fasb.org/us-gaap/2024/elts/us-roles-2024.xsd",
      "https://xbrl.fasb.org/us-gaap/2024/elts/us-types-2024.xsd",
      "https://xbrl.sec.gov/country/2024/country-2024.xsd",
      "https://xbrl.sec.gov/cyd/2024/cyd-2024.xsd",
      "https://xbrl.sec.gov/cyd/2024/cyd-af-2024.xsd",
      "https://xbrl.sec.gov/cyd/2024/cyd-af-sub-2024.xsd",
      "https://xbrl.sec.gov/dei/2024/dei-2024.xsd",
      "https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd",
      "https://xbrl.sec.gov/exch/2024/exch-2024.xsd",
      "https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd"
     ]
    },
    "calculationLink": {
     "local": [
      "slm-20241231_cal.xml"
     ]
    },
    "definitionLink": {
     "local": [
      "slm-20241231_def.xml"
     ]
    },
    "labelLink": {
     "local": [
      "slm-20241231_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "slm-20241231_pre.xml"
     ]
    }
   },
   "keyStandard": 534,
   "keyCustom": 273,
   "axisStandard": 42,
   "axisCustom": 1,
   "memberStandard": 76,
   "memberCustom": 87,
   "hidden": {
    "total": 30,
    "http://fasb.org/us-gaap/2024": 19,
    "http://xbrl.sec.gov/dei/2024": 4,
    "http://www.salliemae.com/20241231": 7
   },
   "contextCount": 503,
   "entityCount": 1,
   "segmentCount": 174,
   "elementCount": 1317,
   "unitCount": 8,
   "baseTaxonomies": {
    "http://fasb.org/us-gaap/2024": 2388,
    "http://xbrl.sec.gov/dei/2024": 41,
    "http://xbrl.sec.gov/cyd/2024": 15,
    "http://fasb.org/srt/2024": 8,
    "http://xbrl.sec.gov/ecd/2024": 5
   },
   "report": {
    "R1": {
     "role": "http://www.salliemae.com/role/CoverPage",
     "longName": "0000001 - Document - Cover Page",
     "shortName": "Cover Page",
     "isDefault": "true",
     "groupType": "document",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "1",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R2": {
     "role": "http://www.salliemae.com/role/AuditInformation",
     "longName": "0000002 - Document - Audit Information",
     "shortName": "Audit Information",
     "isDefault": "false",
     "groupType": "document",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "2",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "dei:AuditorName",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": null
    },
    "R3": {
     "role": "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
     "longName": "9952151 - Statement - CONSOLIDATED BALANCE SHEETS",
     "shortName": "CONSOLIDATED BALANCE SHEETS",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "",
     "menuCat": "Statements",
     "order": "3",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:CashAndCashEquivalentsAtCarryingValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:OtherInvestments",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R4": {
     "role": "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical",
     "longName": "9952152 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical)",
     "shortName": "CONSOLIDATED BALANCE SHEETS (Parenthetical)",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "parenthetical",
     "menuCat": "Statements",
     "order": "4",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:TradingSecuritiesDebtAmortizedCost",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:TradingSecuritiesDebtAmortizedCost",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R5": {
     "role": "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
     "longName": "9952153 - Statement - CONSOLIDATED STATEMENTS OF INCOME",
     "shortName": "CONSOLIDATED STATEMENTS OF INCOME",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "",
     "menuCat": "Statements",
     "order": "5",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:InterestAndFeeIncomeLoansAndLeases",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:InterestAndFeeIncomeLoansAndLeases",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R6": {
     "role": "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME",
     "longName": "9952154 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME",
     "shortName": "CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "",
     "menuCat": "Statements",
     "order": "6",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ProfitLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R7": {
     "role": "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
     "longName": "9952155 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY",
     "shortName": "CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "",
     "menuCat": "Statements",
     "order": "7",
     "firstAnchor": {
      "contextRef": "c-11",
      "name": "us-gaap:SharesIssued",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-11",
      "name": "us-gaap:SharesIssued",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R8": {
     "role": "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical",
     "longName": "9952156 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Parenthetical)",
     "shortName": "CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Parenthetical)",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "parenthetical",
     "menuCat": "Statements",
     "order": "8",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CommonStockDividendsPerShareDeclared",
      "unitRef": "usdPerShare",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-47",
      "name": "us-gaap:PreferredStockDividendRatePerDollarAmount",
      "unitRef": "usdPerShare",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R9": {
     "role": "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
     "longName": "9952157 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS",
     "shortName": "CONSOLIDATED STATEMENTS OF CASH FLOWS",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "",
     "menuCat": "Statements",
     "order": "9",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ProfitLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "slm:AmortizationofBrokeredDepositPlacement",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R10": {
     "role": "http://www.salliemae.com/role/OrganizationandBusiness",
     "longName": "9952158 - Disclosure - Organization and Business",
     "shortName": "Organization and Business",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "10",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R11": {
     "role": "http://www.salliemae.com/role/SignificantAccountingPolicies",
     "longName": "9952159 - Disclosure - Significant Accounting Policies",
     "shortName": "Significant Accounting Policies",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "11",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:SignificantAccountingPoliciesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:SignificantAccountingPoliciesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R12": {
     "role": "http://www.salliemae.com/role/CashandCashEquivalents",
     "longName": "9952160 - Disclosure - Cash and Cash Equivalents",
     "shortName": "Cash and Cash Equivalents",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "12",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CashAndCashEquivalentsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CashAndCashEquivalentsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R13": {
     "role": "http://www.salliemae.com/role/Investments",
     "longName": "9952161 - Disclosure - Investments",
     "shortName": "Investments",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "13",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R14": {
     "role": "http://www.salliemae.com/role/LoansHeldforInvestment",
     "longName": "9952162 - Disclosure - Loans Held for Investment",
     "shortName": "Loans Held for Investment",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "14",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R15": {
     "role": "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitments",
     "longName": "9952163 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments",
     "shortName": "Allowance for Credit Losses and Unfunded Loan Commitments",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "15",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:AllowanceForCreditLossesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:AllowanceForCreditLossesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R16": {
     "role": "http://www.salliemae.com/role/PremisesandEquipmentNet",
     "longName": "9952164 - Disclosure - Premises and Equipment, Net",
     "shortName": "Premises and Equipment, Net",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "16",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R17": {
     "role": "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssets",
     "longName": "9952165 - Disclosure - Goodwill and Acquired Intangible Assets",
     "shortName": "Goodwill and Acquired Intangible Assets",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "17",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R18": {
     "role": "http://www.salliemae.com/role/Deposits",
     "longName": "9952166 - Disclosure - Deposits",
     "shortName": "Deposits",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "18",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DepositLiabilitiesDisclosuresTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DepositLiabilitiesDisclosuresTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R19": {
     "role": "http://www.salliemae.com/role/Borrowings",
     "longName": "9952167 - Disclosure - Borrowings",
     "shortName": "Borrowings",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "19",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DebtDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DebtDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R20": {
     "role": "http://www.salliemae.com/role/DerivativeFinancialInstruments",
     "longName": "9952168 - Disclosure - Derivative Financial Instruments",
     "shortName": "Derivative Financial Instruments",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "20",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R21": {
     "role": "http://www.salliemae.com/role/StockholdersEquity",
     "longName": "9952169 - Disclosure - Stockholders' Equity",
     "shortName": "Stockholders' Equity",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "21",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:StockholdersEquityNoteDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:StockholdersEquityNoteDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R22": {
     "role": "http://www.salliemae.com/role/EarningsPerCommonShare",
     "longName": "9952170 - Disclosure - Earnings Per Common Share",
     "shortName": "Earnings Per Common Share",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "22",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:EarningsPerShareTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:EarningsPerShareTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R23": {
     "role": "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangements",
     "longName": "9952171 - Disclosure - Stock-Based Compensation Plans and Arrangements",
     "shortName": "Stock-Based Compensation Plans and Arrangements",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "23",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R24": {
     "role": "http://www.salliemae.com/role/FairValueMeasurements",
     "longName": "9952172 - Disclosure - Fair Value Measurements",
     "shortName": "Fair Value Measurements",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "24",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FairValueDisclosuresTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FairValueDisclosuresTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R25": {
     "role": "http://www.salliemae.com/role/RegulatoryCapital",
     "longName": "9952173 - Disclosure - Regulatory Capital",
     "shortName": "Regulatory Capital",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "25",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R26": {
     "role": "http://www.salliemae.com/role/DefinedContributionPlans",
     "longName": "9952174 - Disclosure - Defined Contribution Plans",
     "shortName": "Defined Contribution Plans",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "26",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CompensationAndEmployeeBenefitPlansTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CompensationAndEmployeeBenefitPlansTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R27": {
     "role": "http://www.salliemae.com/role/CommitmentsContingenciesandGuarantees",
     "longName": "9952175 - Disclosure - Commitments, Contingencies and Guarantees",
     "shortName": "Commitments, Contingencies and Guarantees",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "27",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CommitmentsAndContingenciesDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CommitmentsAndContingenciesDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R28": {
     "role": "http://www.salliemae.com/role/IncomeTaxes",
     "longName": "9952176 - Disclosure - Income Taxes",
     "shortName": "Income Taxes",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "28",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:IncomeTaxDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:IncomeTaxDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R29": {
     "role": "http://www.salliemae.com/role/ConcentrationsofRisk",
     "longName": "9952177 - Disclosure - Concentrations of Risk",
     "shortName": "Concentrations of Risk",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "29",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ConcentrationRiskDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ConcentrationRiskDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R30": {
     "role": "http://www.salliemae.com/role/ParentOnlyStatements",
     "longName": "9952178 - Disclosure - Parent Only Statements",
     "shortName": "Parent Only Statements",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "parenthetical",
     "menuCat": "Notes",
     "order": "30",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R31": {
     "role": "http://www.salliemae.com/role/SegmentReporting",
     "longName": "9952179 - Disclosure - Segment Reporting",
     "shortName": "Segment Reporting",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "31",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:SegmentReportingDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:SegmentReportingDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R32": {
     "role": "http://www.salliemae.com/role/SubsequentEvents",
     "longName": "9952180 - Disclosure - Subsequent Events",
     "shortName": "Subsequent Events",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "32",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:SubsequentEventsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:SubsequentEventsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R33": {
     "role": "http://xbrl.sec.gov/ecd/role/PvpDisclosure",
     "longName": "995410 - Disclosure - Pay vs Performance Disclosure",
     "shortName": "Pay vs Performance Disclosure",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "33",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:NetIncomeLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": null
    },
    "R34": {
     "role": "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements",
     "longName": "995445 - Disclosure - Insider Trading Arrangements",
     "shortName": "Insider Trading Arrangements",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "34",
     "firstAnchor": {
      "contextRef": "c-6",
      "name": "ecd:Rule10b51ArrAdoptedFlag",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ecd:NonRule10b51ArrAdoptedFlag",
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-6",
      "name": "ecd:Rule10b51ArrAdoptedFlag",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ecd:NonRule10b51ArrAdoptedFlag",
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R35": {
     "role": "http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc",
     "longName": "995447 - Disclosure - Insider Trading Policies and Procedures",
     "shortName": "Insider Trading Policies and Procedures",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "35",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "ecd:InsiderTrdPoliciesProcAdoptedFlag",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "a",
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "ecd:InsiderTrdPoliciesProcAdoptedFlag",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "a",
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R36": {
     "role": "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure",
     "longName": "995550 - Disclosure - Cybersecurity Risk Management and Strategy Disclosure",
     "shortName": "Cybersecurity Risk Management and Strategy Disclosure",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "36",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "cyd:CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "cyd:CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R37": {
     "role": "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies",
     "longName": "9955511 - Disclosure - Significant Accounting Policies (Policies)",
     "shortName": "Significant Accounting Policies (Policies)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "policies",
     "menuCat": "Policies",
     "order": "37",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:UseOfEstimates",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:UseOfEstimates",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R38": {
     "role": "http://www.salliemae.com/role/InvestmentsTables",
     "longName": "9955512 - Disclosure - Investments (Tables)",
     "shortName": "Investments (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "38",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R39": {
     "role": "http://www.salliemae.com/role/LoansHeldforInvestmentTables",
     "longName": "9955513 - Disclosure - Loans Held for Investment (Tables)",
     "shortName": "Loans Held for Investment (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "39",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R40": {
     "role": "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsTables",
     "longName": "9955514 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments (Tables)",
     "shortName": "Allowance for Credit Losses and Unfunded Loan Commitments (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "40",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "slm:FinancingReceivablesAmortizedCostBasisTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R41": {
     "role": "http://www.salliemae.com/role/PremisesandEquipmentNetTables",
     "longName": "9955515 - Disclosure - Premises and Equipment, Net (Tables)",
     "shortName": "Premises and Equipment, Net (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "41",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:PropertyPlantAndEquipmentTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:PropertyPlantAndEquipmentTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R42": {
     "role": "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsTables",
     "longName": "9955516 - Disclosure - Goodwill and Acquired Intangible Assets (Tables)",
     "shortName": "Goodwill and Acquired Intangible Assets (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "42",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R43": {
     "role": "http://www.salliemae.com/role/DepositsTables",
     "longName": "9955517 - Disclosure - Deposits (Tables)",
     "shortName": "Deposits (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "43",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "slm:ScheduleofDepositsTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "slm:ScheduleofDepositsTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R44": {
     "role": "http://www.salliemae.com/role/BorrowingsTables",
     "longName": "9955518 - Disclosure - Borrowings (Tables)",
     "shortName": "Borrowings (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "44",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfDebtTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfDebtTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R45": {
     "role": "http://www.salliemae.com/role/DerivativeFinancialInstrumentsTables",
     "longName": "9955519 - Disclosure - Derivative Financial Instruments (Tables)",
     "shortName": "Derivative Financial Instruments (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "45",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R46": {
     "role": "http://www.salliemae.com/role/StockholdersEquityTables",
     "longName": "9955520 - Disclosure - Stockholders' Equity (Tables)",
     "shortName": "Stockholders' Equity (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "46",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfTreasuryStockByClassTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfTreasuryStockByClassTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R47": {
     "role": "http://www.salliemae.com/role/EarningsPerCommonShareTables",
     "longName": "9955521 - Disclosure - Earnings Per Common Share (Tables)",
     "shortName": "Earnings Per Common Share (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "47",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R48": {
     "role": "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsTables",
     "longName": "9955522 - Disclosure - Stock-Based Compensation Plans and Arrangements (Tables)",
     "shortName": "Stock-Based Compensation Plans and Arrangements (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "48",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R49": {
     "role": "http://www.salliemae.com/role/FairValueMeasurementsTables",
     "longName": "9955523 - Disclosure - Fair Value Measurements (Tables)",
     "shortName": "Fair Value Measurements (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "49",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R50": {
     "role": "http://www.salliemae.com/role/RegulatoryCapitalTables",
     "longName": "9955524 - Disclosure - Regulatory Capital (Tables)",
     "shortName": "Regulatory Capital (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "50",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R51": {
     "role": "http://www.salliemae.com/role/IncomeTaxesTables",
     "longName": "9955525 - Disclosure - Income Taxes (Tables)",
     "shortName": "Income Taxes (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "51",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R52": {
     "role": "http://www.salliemae.com/role/ParentOnlyStatementsTables",
     "longName": "9955526 - Disclosure - Parent Only Statements (Tables)",
     "shortName": "Parent Only Statements (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "parenthetical",
     "menuCat": "Tables",
     "order": "52",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "srt:ScheduleOfCondensedBalanceSheetTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "srt:ScheduleOfCondensedBalanceSheetTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R53": {
     "role": "http://www.salliemae.com/role/SegmentReportingTables",
     "longName": "9955527 - Disclosure - Segment Reporting (Tables)",
     "shortName": "Segment Reporting (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "53",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R54": {
     "role": "http://www.salliemae.com/role/SignificantAccountingPoliciesTradingInvestmentsNarrativeDetails",
     "longName": "9955528 - Disclosure - Significant Accounting Policies - Trading Investments Narrative (Details)",
     "shortName": "Significant Accounting Policies - Trading Investments Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "54",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "slm:VerticalRiskRetentionPercentage",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": null
    },
    "R55": {
     "role": "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails",
     "longName": "9955529 - Disclosure - Significant Accounting Policies - Allowance for FFELP Loans and Loan Interest Income (Details)",
     "shortName": "Significant Accounting Policies - Allowance for FFELP Loans and Loan Interest Income (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "55",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "slm:PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "div",
       "slm:AllowanceForFFELPLoanLossesPolicyPolicyTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "slm:PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "div",
       "slm:AllowanceForFFELPLoanLossesPolicyPolicyTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R56": {
     "role": "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails",
     "longName": "9955530 - Disclosure - Significant Accounting Policies - Business Combination (Details)",
     "shortName": "Significant Accounting Policies - Business Combination (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "56",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:Goodwill",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-66",
      "name": "us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R57": {
     "role": "http://www.salliemae.com/role/SignificantAccountingPoliciesDepositsDetails",
     "longName": "9955531 - Disclosure - Significant Accounting Policies - Deposits (Details)",
     "shortName": "Significant Accounting Policies - Deposits (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "57",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "slm:DepositsPeriodofNotificationforWithdrawal",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "slm:DepositsPolicyTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "slm:DepositsPeriodofNotificationforWithdrawal",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "slm:DepositsPolicyTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R58": {
     "role": "http://www.salliemae.com/role/SignificantAccountingPoliciesSecuritizationAccountingDetails",
     "longName": "9955532 - Disclosure - Significant Accounting Policies - Securitization Accounting (Details)",
     "shortName": "Significant Accounting Policies - Securitization Accounting (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "58",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "slm:VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "div",
       "us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "slm:VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "div",
       "us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R59": {
     "role": "http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails",
     "longName": "9955533 - Disclosure - Significant Accounting Policies - Derivative Accounting (Details)",
     "shortName": "Significant Accounting Policies - Derivative Accounting (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "59",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DerivativeNotionalAmount",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": null
    },
    "R60": {
     "role": "http://www.salliemae.com/role/CashandCashEquivalentsDetails",
     "longName": "9955534 - Disclosure - Cash and Cash Equivalents (Details)",
     "shortName": "Cash and Cash Equivalents (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "60",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "slm:CashduefromFederalReserveBank",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-8",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "slm:CashduefromFederalReserveBank",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-8",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R61": {
     "role": "http://www.salliemae.com/role/InvestmentsNarrativeDetails",
     "longName": "9955535 - Disclosure - Investments - Narrative (Details)",
     "shortName": "Investments - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "61",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "slm:VerticalRiskRetentionPercentage",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions",
      "unitRef": "security",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R62": {
     "role": "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails",
     "longName": "9955536 - Disclosure - Investments - Amortized Cost and Fair Value of Securities Available for Sale (Details)",
     "shortName": "Investments - Amortized Cost and Fair Value of Securities Available for Sale (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "62",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R63": {
     "role": "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails",
     "longName": "9955537 - Disclosure - Investments - Gross Unrealized Losses and Fair Value for Mortgage-Backed in Unrealized Loss Position (Details)",
     "shortName": "Investments - Gross Unrealized Losses and Fair Value for Mortgage-Backed in Unrealized Loss Position (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "63",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R64": {
     "role": "http://www.salliemae.com/role/InvestmentsMaturityTableDetails",
     "longName": "9955538 - Disclosure - Investments - Maturity Table (Details)",
     "shortName": "Investments - Maturity Table (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "64",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-90",
      "name": "us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R65": {
     "role": "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails",
     "longName": "9955539 - Disclosure - Loans Held for Investment -Narrative (Details)",
     "shortName": "Loans Held for Investment -Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "65",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "slm:PercentOfPrivateLoansIndexedToLIBOROrSOFR",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "slm:PercentOfPrivateLoansIndexedToLIBOROrSOFR",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R66": {
     "role": "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails",
     "longName": "9955540 - Disclosure - Loans Held for Investment - Schedule of Allowance for Credit Losses and Recorded Investments in Loans (Details)",
     "shortName": "Loans Held for Investment - Schedule of Allowance for Credit Losses and Recorded Investments in Loans (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "66",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:GainLossOnSalesOfLoansNet",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-115",
      "name": "slm:FinancingReceivableSalePrincipal",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R67": {
     "role": "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails",
     "longName": "9955541 - Disclosure - Loans Held for Investment - Student Loan Portfolio by Program (Details)",
     "shortName": "Loans Held for Investment - Student Loan Portfolio by Program (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "67",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-122",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R68": {
     "role": "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails",
     "longName": "9955542 - Disclosure - Loans Held for Investment - Student Loan Portfolio Average Balances (Details)",
     "shortName": "Loans Held for Investment - Student Loan Portfolio Average Balances (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "68",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R69": {
     "role": "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails",
     "longName": "9955543 - Disclosure - Loans Held for Investment - By Region (Details)",
     "shortName": "Loans Held for Investment - By Region (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "69",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "slm:PercentageofLoansconcentratedinmajorstates",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "slm:LoansheldforinvestmentbyRegionTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-135",
      "name": "slm:PercentageofLoansheldinstate",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "slm:LoansheldforinvestmentbyRegionTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R70": {
     "role": "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
     "longName": "9955544 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Allowance and Recorded Investments in Loans (Details)",
     "shortName": "Allowance for Credit Losses and Unfunded Loan Commitments - Allowance and Recorded Investments in Loans (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "70",
     "firstAnchor": {
      "contextRef": "c-8",
      "name": "us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R71": {
     "role": "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
     "longName": "9955545 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Narrative (Details)",
     "shortName": "Allowance for Credit Losses and Unfunded Loan Commitments - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "71",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R72": {
     "role": "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails",
     "longName": "9955546 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Amortized Cost Basis of Financing Receivables with Loan Modifications (Details)",
     "shortName": "Allowance for Credit Losses and Unfunded Loan Commitments - Amortized Cost Basis of Financing Receivables with Loan Modifications (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "72",
     "firstAnchor": {
      "contextRef": "c-174",
      "name": "slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "slm:FinancingReceivablesAmortizedCostBasisTableTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-174",
      "name": "slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "slm:FinancingReceivablesAmortizedCostBasisTableTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R73": {
     "role": "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails",
     "longName": "9955547 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Financing Receivable, Modified, Subsequent Default (Details)",
     "shortName": "Allowance for Credit Losses and Unfunded Loan Commitments - Financing Receivable, Modified, Subsequent Default (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "73",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-192",
      "name": "us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R74": {
     "role": "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails",
     "longName": "9955548 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Payment Status (Amortized Cost Basis) (Details)",
     "shortName": "Allowance for Credit Losses and Unfunded Loan Commitments - Payment Status (Amortized Cost Basis) (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "74",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R75": {
     "role": "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
     "longName": "9955549 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Age Analysis of Past Due Loans Delinquencies (Details)",
     "shortName": "Allowance for Credit Losses and Unfunded Loan Commitments - Age Analysis of Past Due Loans Delinquencies (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "75",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R76": {
     "role": "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
     "longName": "9955550 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Loan Portfolio Stratified by Key Credit Quality Indicators (Details)",
     "shortName": "Allowance for Credit Losses and Unfunded Loan Commitments - Loan Portfolio Stratified by Key Credit Quality Indicators (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "76",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-224",
      "name": "slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R77": {
     "role": "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAccruedInterestReceivableDetail",
     "longName": "9955551 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Accrued Interest Receivable (Detail)",
     "shortName": "Allowance for Credit Losses and Unfunded Loan Commitments - Accrued Interest Receivable (Detail)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "77",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "slm:AccruedInterestReceivableOnPrivateEducationLoans",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "slm:AccruedInterestReceivableTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "slm:AccruedInterestReceivableOnPrivateEducationLoans",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "slm:AccruedInterestReceivableTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R78": {
     "role": "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails",
     "longName": "9955552 - Disclosure - Allowance for Credit Losses and Unfunded Loan Commitments - Schedule of Allowance for Credit Losses and Recorded Investments in Loans (Details)",
     "shortName": "Allowance for Credit Losses and Unfunded Loan Commitments - Schedule of Allowance for Credit Losses and Recorded Investments in Loans (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "78",
     "firstAnchor": {
      "contextRef": "c-8",
      "name": "us-gaap:OffBalanceSheetCreditLossLiability",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R79": {
     "role": "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails",
     "longName": "9955553 - Disclosure - Premises and Equipment, Net - Schedule of Premises and Equipment (Details)",
     "shortName": "Premises and Equipment, Net - Schedule of Premises and Equipment (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "79",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:PropertyPlantAndEquipmentGross",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:PropertyPlantAndEquipmentGross",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R80": {
     "role": "http://www.salliemae.com/role/PremisesandEquipmentNetNarrativeDetails",
     "longName": "9955554 - Disclosure - Premises and Equipment, Net -Narrative (Details)",
     "shortName": "Premises and Equipment, Net -Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "80",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:Depreciation",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": null
    },
    "R81": {
     "role": "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
     "longName": "9955555 - Disclosure - Goodwill and Acquired Intangible Assets - Narrative (Details)",
     "shortName": "Goodwill and Acquired Intangible Assets - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "81",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:Goodwill",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:AmortizationOfIntangibleAssets",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R82": {
     "role": "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails",
     "longName": "9955556 - Disclosure - Goodwill and Acquired Intangible Assets - Schedule of Acquired Intangible Assets (Details)",
     "shortName": "Goodwill and Acquired Intangible Assets - Schedule of Acquired Intangible Assets (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "82",
     "firstAnchor": {
      "contextRef": "c-8",
      "name": "us-gaap:FiniteLivedIntangibleAssetsGross",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-287",
      "name": "us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R83": {
     "role": "http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails",
     "longName": "9955557 - Disclosure - Deposits - Summary of Total Deposits (Details)",
     "shortName": "Deposits - Summary of Total Deposits (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "83",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:InterestBearingDepositLiabilities",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "slm:InterestBearingDepositsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:NoninterestBearingDepositLiabilities",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "slm:ScheduleofDepositsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R84": {
     "role": "http://www.salliemae.com/role/DepositsNarrativeDetails",
     "longName": "9955558 - Disclosure - Deposits -Narrative (Details)",
     "shortName": "Deposits -Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "84",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:Deposits",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "slm:BrokeredDeposits",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-8",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R85": {
     "role": "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails",
     "longName": "9955559 - Disclosure - Deposits - Interest Bearing Deposits (Details)",
     "shortName": "Deposits - Interest Bearing Deposits (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "85",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:InterestBearingDomesticDepositMoneyMarket",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "slm:InterestBearingDepositsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:InterestBearingDomesticDepositMoneyMarket",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "slm:InterestBearingDepositsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R86": {
     "role": "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails",
     "longName": "9955560 - Disclosure - Deposits - Certificates of Deposits Maturities (Details)",
     "shortName": "Deposits - Certificates of Deposits Maturities (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "86",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:TimeDepositMaturitiesYearOne",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "slm:ScheduleofMaturitiesofTimeDepositsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:TimeDepositMaturitiesYearOne",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "slm:ScheduleofMaturitiesofTimeDepositsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R87": {
     "role": "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
     "longName": "9955561 - Disclosure - Borrowings - Company Borrowings (Details)",
     "shortName": "Borrowings - Company Borrowings (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "87",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:ShortTermBorrowings",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-293",
      "name": "us-gaap:ShortTermBorrowings",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R88": {
     "role": "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails",
     "longName": "9955562 - Disclosure - Borrowings - Short-term Borrowings Narrative (Details)",
     "shortName": "Borrowings - Short-term Borrowings Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "88",
     "firstAnchor": {
      "contextRef": "c-305",
      "name": "us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-305",
      "name": "us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R89": {
     "role": "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
     "longName": "9955563 - Disclosure - Borrowings - Long Term Borrowings Narrative (Details)",
     "shortName": "Borrowings - Long Term Borrowings Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "89",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtInstrumentFaceAmount",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfSecuritiesFinancingTransactionsTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-326",
      "name": "us-gaap:DebtInstrumentFaceAmount",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R90": {
     "role": "http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails",
     "longName": "9955564 - Disclosure - Borrowings - Summary of Outstanding Borrowings (Details)",
     "shortName": "Borrowings - Summary of Outstanding Borrowings (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "90",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:LongTermDebt",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:LongtermDebtWeightedAverageInterestRate",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "4",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfDebtInstrumentsTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R91": {
     "role": "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails",
     "longName": "9955565 - Disclosure - Borrowings - Stated Maturity and Maturity to Call Date (Details)",
     "shortName": "Borrowings - Stated Maturity and Maturity to Call Date (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "91",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R92": {
     "role": "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails",
     "longName": "9955566 - Disclosure - Borrowings - Secured Financing (Details)",
     "shortName": "Borrowings - Secured Financing (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "92",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "slm:DebtInstrumentLoansTransferred",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfSecuritiesFinancingTransactionsTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "slm:DebtInstrumentLoansTransferred",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfSecuritiesFinancingTransactionsTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R93": {
     "role": "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
     "longName": "9955567 - Disclosure - Borrowings - Financing VIEs (Details)",
     "shortName": "Borrowings - Financing VIEs (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "93",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:ShortTermBorrowings",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-353",
      "name": "us-gaap:ShortTermBorrowings",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R94": {
     "role": "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails",
     "longName": "9955568 - Disclosure - Borrowings - Unconsolidated VIEs Narrative (Details)",
     "shortName": "Borrowings - Unconsolidated VIEs Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "94",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "slm:VerticalRiskRetentionPercentage",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": null
    },
    "R95": {
     "role": "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
     "longName": "9955569 - Disclosure - Borrowings - Securities Financing Transactions (Details)",
     "shortName": "Borrowings - Securities Financing Transactions (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "95",
     "firstAnchor": {
      "contextRef": "c-357",
      "name": "us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-359",
      "name": "us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R96": {
     "role": "http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails",
     "longName": "9955570 - Disclosure - Borrowings - Summary of Exposure Related to Unconsolidated VIEs (Details)",
     "shortName": "Borrowings - Summary of Exposure Related to Unconsolidated VIEs (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "96",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:AvailableForSaleSecuritiesDebtSecurities",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-363",
      "name": "us-gaap:AvailableForSaleSecuritiesDebtSecurities",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R97": {
     "role": "http://www.salliemae.com/role/BorrowingsOtherBorrowingSourcesNarrativeDetails",
     "longName": "9955571 - Disclosure - Borrowings - Other Borrowing Sources Narrative (Details)",
     "shortName": "Borrowings - Other Borrowing Sources Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "97",
     "firstAnchor": {
      "contextRef": "c-8",
      "name": "slm:UncommittedFederalFunds",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-8",
      "name": "slm:UncommittedFederalFunds",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R98": {
     "role": "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails",
     "longName": "9955572 - Disclosure - Derivative Financial Instruments - Narrative (Details)",
     "shortName": "Derivative Financial Instruments - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "98",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "slm:NumberOfCounterparties",
      "unitRef": "counterparty",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "slm:NumberOfCounterparties",
      "unitRef": "counterparty",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R99": {
     "role": "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
     "longName": "9955573 - Disclosure - Derivative Financial Instruments - Impact of Derivatives on Consolidated Balance Sheet (Details)",
     "shortName": "Derivative Financial Instruments - Impact of Derivatives on Consolidated Balance Sheet (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "99",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DerivativeAssets",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R100": {
     "role": "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails",
     "longName": "9955574 - Disclosure - Derivative Financial Instruments - Offsetting Assets and Liabilities (Details)",
     "shortName": "Derivative Financial Instruments - Offsetting Assets and Liabilities (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "100",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DerivativeFairValueOfDerivativeAsset",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DerivativeFairValueOfDerivativeAsset",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R101": {
     "role": "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails",
     "longName": "9955575 - Disclosure - Derivative Financial Instruments - Notional Values (Details)",
     "shortName": "Derivative Financial Instruments - Notional Values (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "101",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DerivativeNotionalAmount",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-377",
      "name": "us-gaap:DerivativeNotionalAmount",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R102": {
     "role": "http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails",
     "longName": "9955576 - Disclosure - Derivative Financial Instruments - Schedule of Hedged Items Recorded in Statement of Financial Position (Details)",
     "shortName": "Derivative Financial Instruments - Schedule of Hedged Items Recorded in Statement of Financial Position (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "102",
     "firstAnchor": {
      "contextRef": "c-379",
      "name": "us-gaap:HedgedLiabilityFairValueHedge",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-379",
      "name": "us-gaap:HedgedLiabilityFairValueHedge",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R103": {
     "role": "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails",
     "longName": "9955577 - Disclosure - Derivative Financial Instruments - Impact of Derivatives on Consolidated Statements of Income (Details)",
     "shortName": "Derivative Financial Instruments - Impact of Derivatives on Consolidated Statements of Income (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "103",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DerivativeGainLossOnDerivativeNet",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DerivativeGainLossOnDerivativeNet",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R104": {
     "role": "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails",
     "longName": "9955578 - Disclosure - Derivative Financial Instruments - Impact of Derivatives on Consolidated Statement of Changes in Stockholders' Equity (Details)",
     "shortName": "Derivative Financial Instruments - Impact of Derivatives on Consolidated Statement of Changes in Stockholders' Equity (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "104",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R105": {
     "role": "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails",
     "longName": "9955579 - Disclosure - Stockholders' Equity - Preferred Stock (Details)",
     "shortName": "Stockholders' Equity - Preferred Stock (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "105",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:PreferredStockSharesOutstanding",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-5",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-390",
      "name": "us-gaap:PreferredStockSharesOutstanding",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-5",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R106": {
     "role": "http://www.salliemae.com/role/StockholdersEquityCommonStockDetails",
     "longName": "9955580 - Disclosure - Stockholders' Equity - Common Stock (Details)",
     "shortName": "Stockholders' Equity - Common Stock (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "106",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:CommonStockSharesAuthorized",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "us-gaap:CommonStockSharesAuthorized",
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-394",
      "name": "us-gaap:CommonStockSharesAuthorized",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R107": {
     "role": "http://www.salliemae.com/role/StockholdersEquityCommonStockDividendsDetails",
     "longName": "9955581 - Disclosure - Stockholders' Equity - Common Stock Dividends (Details)",
     "shortName": "Stockholders' Equity - Common Stock Dividends (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "107",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CommonStockDividendsPerShareCashPaid",
      "unitRef": "usdPerShare",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CommonStockDividendsPerShareCashPaid",
      "unitRef": "usdPerShare",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R108": {
     "role": "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails",
     "longName": "9955582 - Disclosure - Stockholders' Equity - Share Repurchases (Details)",
     "shortName": "Stockholders' Equity - Share Repurchases (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "108",
     "firstAnchor": {
      "contextRef": "c-400",
      "name": "srt:StockRepurchaseProgramAuthorizedAmount1",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-400",
      "name": "srt:StockRepurchaseProgramAuthorizedAmount1",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R109": {
     "role": "http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails",
     "longName": "9955583 - Disclosure - Stockholders' Equity - Schedule of Common Share Repurchases (Details)",
     "shortName": "Stockholders' Equity - Schedule of Common Share Repurchases (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "109",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:TreasuryStockSharesAcquired",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfTreasuryStockByClassTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts",
      "unitRef": "usdPerShare",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfTreasuryStockByClassTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R110": {
     "role": "http://www.salliemae.com/role/EarningsPerCommonShareDetails",
     "longName": "9955584 - Disclosure - Earnings Per Common Share (Details)",
     "shortName": "Earnings Per Common Share (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "110",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:NetIncomeLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic",
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R111": {
     "role": "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails",
     "longName": "9955585 - Disclosure - Stock-Based Compensation Plans and Arrangements - Narrative (Details)",
     "shortName": "Stock-Based Compensation Plans and Arrangements - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "111",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "slm:NumberofCompensationPlans",
      "unitRef": "numberofcompensationplan",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "slm:NumberofCompensationPlans",
      "unitRef": "numberofcompensationplan",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R112": {
     "role": "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails",
     "longName": "9955586 - Disclosure - Stock-Based Compensation Plans and Arrangements - Stock Option Activity (Details)",
     "shortName": "Stock-Based Compensation Plans and Arrangements - Stock Option Activity (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "112",
     "firstAnchor": {
      "contextRef": "c-8",
      "name": "us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "0",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "0",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R113": {
     "role": "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails",
     "longName": "9955587 - Disclosure - Stock-Based Compensation Plans and Arrangements - Restricted Stock and Performance Stock Unit Activity (Details)",
     "shortName": "Stock-Based Compensation Plans and Arrangements - Restricted Stock and Performance Stock Unit Activity (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "113",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-407",
      "name": "us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "0",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfNonvestedShareActivityTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R114": {
     "role": "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails",
     "longName": "9955588 - Disclosure - Stock-Based Compensation Plans and Arrangements - Employee Stock Purchase Plan (Details)",
     "shortName": "Stock-Based Compensation Plans and Arrangements - Employee Stock Purchase Plan (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "114",
     "firstAnchor": {
      "contextRef": "c-419",
      "name": "us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "4",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-419",
      "name": "us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "4",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R115": {
     "role": "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail",
     "longName": "9955589 - Disclosure - Fair Value Measurements - Valuation of Financial Instruments that are Marked-to-Market on Recurring Basis (Detail)",
     "shortName": "Fair Value Measurements - Valuation of Financial Instruments that are Marked-to-Market on Recurring Basis (Detail)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "115",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:TradingSecuritiesDebt",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-425",
      "name": "us-gaap:TradingSecuritiesDebt",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R116": {
     "role": "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails",
     "longName": "9955590 - Disclosure - Fair Value Measurements - Fair Value Measurement Inputs and Valuation Techniques (Details)",
     "shortName": "Fair Value Measurements - Fair Value Measurement Inputs and Valuation Techniques (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "116",
     "firstAnchor": {
      "contextRef": "c-8",
      "name": "us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-31",
      "name": "us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R117": {
     "role": "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
     "longName": "9955591 - Disclosure - Fair Value Measurements - Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments (Details)",
     "shortName": "Fair Value Measurements - Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "117",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:AvailableForSaleSecuritiesDebtSecurities",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-444",
      "name": "us-gaap:AvailableForSaleSecuritiesDebtSecurities",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R118": {
     "role": "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail",
     "longName": "9955592 - Disclosure - Fair Value Measurements - Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments (Detail)",
     "shortName": "Fair Value Measurements - Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments (Detail)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "118",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:TradingSecuritiesDebt",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "slm:AccruedInterestReceivableFairValueDisclosureDifference",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:FairValueByBalanceSheetGroupingTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R119": {
     "role": "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails",
     "longName": "9955593 - Disclosure - Fair Value Measurements - Narrative (Details)",
     "shortName": "Fair Value Measurements - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "119",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:TradingSecuritiesDebt",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": null
    },
    "R120": {
     "role": "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails",
     "longName": "9955594 - Disclosure - Regulatory Capital - Narrative (Details)",
     "shortName": "Regulatory Capital - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "120",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DebtSecuritiesAvailableForSaleUnrealizedGainLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "ix:continuation",
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R121": {
     "role": "http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails",
     "longName": "9955595 - Disclosure - Regulatory Capital - Adjusted Transition Amounts (Details)",
     "shortName": "Regulatory Capital - Adjusted Transition Amounts (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "121",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:RetainedEarningsAccumulatedDeficit",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-485",
      "name": "us-gaap:RetainedEarningsAccumulatedDeficit",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R122": {
     "role": "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails",
     "longName": "9955596 - Disclosure - Regulatory Capital - U.S. Basel III Regulatory Requirements (Details)",
     "shortName": "Regulatory Capital - U.S. Basel III Regulatory Requirements (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "122",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "slm:CommonEquityTierOneRiskBasedCapital",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "slm:CommonEquityTierOneRiskBasedCapital",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R123": {
     "role": "http://www.salliemae.com/role/DefinedContributionPlansDetails",
     "longName": "9955597 - Disclosure - Defined Contribution Plans (Details)",
     "shortName": "Defined Contribution Plans (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "123",
     "firstAnchor": {
      "contextRef": "c-486",
      "name": "us-gaap:DefinedContributionPlanEmployerMatchingContributionPercent",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-486",
      "name": "us-gaap:DefinedContributionPlanEmployerMatchingContributionPercent",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R124": {
     "role": "http://www.salliemae.com/role/CommitmentsContingenciesandGuaranteesDetails",
     "longName": "9955598 - Disclosure - Commitments, Contingencies and Guarantees (Details)",
     "shortName": "Commitments, Contingencies and Guarantees (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "124",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:ContractualObligation",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-8",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:ContractualObligation",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-8",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R125": {
     "role": "http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails",
     "longName": "9955599 - Disclosure - Income Taxes - Reconciliations of Statutory U.S. Federal Income Tax Rates to Our Effective Tax Rate for Continuing Operations (Details)",
     "shortName": "Income Taxes - Reconciliations of Statutory U.S. Federal Income Tax Rates to Our Effective Tax Rate for Continuing Operations (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "125",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R126": {
     "role": "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails",
     "longName": "9955600 - Disclosure - Income Taxes - Narrative (Details)",
     "shortName": "Income Taxes - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "126",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:OperatingLossCarryforwardsValuationAllowance",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R127": {
     "role": "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails",
     "longName": "9955601 - Disclosure - Income Taxes - Components of Provision for Income Tax Expense (Benefit) (Details)",
     "shortName": "Income Taxes - Components of Provision for Income Tax Expense (Benefit) (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "127",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CurrentFederalTaxExpenseBenefit",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CurrentFederalTaxExpenseBenefit",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R128": {
     "role": "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails",
     "longName": "9955602 - Disclosure - Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details)",
     "shortName": "Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "128",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R129": {
     "role": "http://www.salliemae.com/role/IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails",
     "longName": "9955603 - Disclosure - Income Taxes - Summary of Changes in Unrecognized Tax Benefits (Details)",
     "shortName": "Income Taxes - Summary of Changes in Unrecognized Tax Benefits (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "129",
     "firstAnchor": {
      "contextRef": "c-8",
      "name": "us-gaap:UnrecognizedTaxBenefits",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R130": {
     "role": "http://www.salliemae.com/role/ConcentrationsofRiskDetails",
     "longName": "9955604 - Disclosure - Concentrations of Risk (Details)",
     "shortName": "Concentrations of Risk (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "130",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "slm:BrokeredDepositPercent",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "ix:continuation",
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "slm:BrokeredDepositPercent",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "ix:continuation",
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true,
      "unique": true
     }
    },
    "R131": {
     "role": "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
     "longName": "9955605 - Disclosure - Parent Only Statements - Balance Sheets (Details)",
     "shortName": "Parent Only Statements - Balance Sheets (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "parenthetical",
     "menuCat": "Details",
     "order": "131",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:CashAndCashEquivalentsAtCarryingValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-489",
      "name": "slm:InvestmentinSubsidiary",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "srt:ScheduleOfCondensedBalanceSheetTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R132": {
     "role": "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails",
     "longName": "9955606 - Disclosure - Parent Only Statements - Statements of Income (Details)",
     "shortName": "Parent Only Statements - Statements of Income (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "parenthetical",
     "menuCat": "Details",
     "order": "132",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:InterestAndDividendIncomeOperating",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-493",
      "name": "us-gaap:InterestAndDividendIncomeOperating",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "srt:ScheduleOfCondensedIncomeStatementTableTextBlock",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R133": {
     "role": "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails",
     "longName": "9955607 - Disclosure - Parent Only Statements - Statements of Cash Flows (Details)",
     "shortName": "Parent Only Statements - Statements of Cash Flows (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "parenthetical",
     "menuCat": "Details",
     "order": "133",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ProfitLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:AmortizationOfDebtDiscountPremium",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "srt:ScheduleOfCondensedCashFlowStatementTableTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R134": {
     "role": "http://www.salliemae.com/role/SegmentReportingDetails",
     "longName": "9955608 - Disclosure - Segment Reporting (Details)",
     "shortName": "Segment Reporting (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "134",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:LaborAndRelatedExpense",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-498",
      "name": "us-gaap:LaborAndRelatedExpense",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    },
    "R135": {
     "role": "http://www.salliemae.com/role/SubsequentEventsDetails",
     "longName": "9955609 - Disclosure - Subsequent Events (Details)",
     "shortName": "Subsequent Events (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "135",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtInstrumentFaceAmount",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfSecuritiesFinancingTransactionsTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-501",
      "name": "us-gaap:RepaymentsOfLongTermDebt",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "slm-20241231.htm",
      "unique": true
     }
    }
   },
   "tag": {
    "slm_A2020ShareRepurchaseProgramMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "A2020ShareRepurchaseProgramMember",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2020 Share Repurchase Program",
        "label": "2020 Share Repurchase Program [Member]",
        "documentation": "2020 Share Repurchase Program"
       }
      }
     },
     "auth_ref": []
    },
    "slm_A2021OmnibusIncentivePlanMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "A2021OmnibusIncentivePlanMember",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2021 Omnibus Incentive Plan",
        "label": "2021 Omnibus Incentive Plan [Member]",
        "documentation": "2021 Omnibus Incentive Plan"
       }
      }
     },
     "auth_ref": []
    },
    "slm_A2021ShareRepurchaseProgramMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "A2021ShareRepurchaseProgramMember",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2021 Share Repurchase Program",
        "label": "2021 Share Repurchase Program [Member]",
        "documentation": "2021 Share Repurchase Program"
       }
      }
     },
     "auth_ref": []
    },
    "slm_A2022ShareRepurchaseProgramMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "A2022ShareRepurchaseProgramMember",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2022 Share Repurchase Program",
        "label": "2022 Share Repurchase Program [Member]",
        "documentation": "2022 Share Repurchase Program"
       }
      }
     },
     "auth_ref": []
    },
    "slm_ABCPBorrowingsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ABCPBorrowingsMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Secured Borrowing Facility",
        "terseLabel": "Fixed-rate borrowings",
        "label": "ABCP Borrowings [Member]",
        "documentation": "ABCP Borrowings [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_ABSTransactionsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ABSTransactionsMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "ABS Transactions",
        "label": "ABS Transactions [Member]",
        "documentation": "ABS Transactions [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AccountingPoliciesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AccountingPoliciesAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accounting Policies [Abstract]",
        "label": "Accounting Policies [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AccountingStandardsUpdate201613Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AccountingStandardsUpdate201613Member",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accounting Standards Update 2016-13",
        "label": "Accounting Standards Update 2016-13 [Member]",
        "documentation": "Accounting Standards Update 2016-13 Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments."
       }
      }
     },
     "auth_ref": [
      "r475"
     ]
    },
    "us-gaap_AccountsNotesAndLoansReceivableLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AccountsNotesAndLoansReceivableLineItems",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accounts, Notes, Loans and Financing Receivable [Line Items]",
        "label": "Accounts, Notes, Loans and Financing Receivable [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r434",
      "r1402"
     ]
    },
    "us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Industry of Counterparty, Type [Axis]",
        "label": "Industry of Counterparty, Type [Axis]",
        "documentation": "Information by industry of counterparty. A counterparty is the other party that participates in a financial transaction."
       }
      }
     },
     "auth_ref": [
      "r120",
      "r126"
     ]
    },
    "us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AccretionAmortizationOfDiscountsAndPremiumsInvestments",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Net amortization of discount on investments",
        "label": "Accretion (Amortization) of Discounts and Premiums, Investments",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r141"
     ]
    },
    "slm_AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAccruedInterestReceivableDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accrued interest receivable expected to be capitalized reserved",
        "label": "Accrued Interest Receivable Expected To Be Capitalized Reserved Allowance For Credit Losses",
        "documentation": "Accrued Interest Receivable Expected To Be Capitalized Reserved Allowance For Credit Losses"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AccruedInterestReceivableFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AccruedInterestReceivableFairValueDisclosure",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accrued interest receivable",
        "label": "Accrued Interest Receivable, Fair Value Disclosure",
        "documentation": "Accrued Interest Receivable, Fair Value Disclosure"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AccruedInterestReceivableFairValueDisclosureDifference": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AccruedInterestReceivableFairValueDisclosureDifference",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accrued interest receivable, difference",
        "label": "Accrued Interest Receivable, Fair Value Disclosure, Difference",
        "documentation": "Accrued Interest Receivable, Fair Value Disclosure, Difference"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AccruedInterestReceivableNotExpectedToBeCapitalized": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AccruedInterestReceivableNotExpectedToBeCapitalized",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAccruedInterestReceivableDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accrued interest receivable not expected to be capitalized",
        "label": "Accrued Interest Receivable Not Expected To Be Capitalized",
        "documentation": "Accrued Interest Receivable Not Expected To Be Capitalized"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AccruedInterestReceivableOnPrivateEducationLoans": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AccruedInterestReceivableOnPrivateEducationLoans",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAccruedInterestReceivableDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Interest Receivable",
        "label": "Accrued Interest Receivable On Private Education Loans",
        "documentation": "Accrued interest receivable on private education loans."
       }
      }
     },
     "auth_ref": []
    },
    "slm_AccruedInterestReceivableTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AccruedInterestReceivableTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Accrued Interest Receivable",
        "label": "Accrued Interest Receivable [Table Text Block]",
        "documentation": "Accrued interest receivable."
       }
      }
     },
     "auth_ref": []
    },
    "slm_AccruedInterestToBeCapitalizedAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AccruedInterestToBeCapitalizedAbstract",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accrued interest to be capitalized",
        "label": "Accrued Interest to be Capitalized [Abstract]",
        "documentation": "Accrued Interest to be Capitalized"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AccruedLiabilitiesFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AccruedLiabilitiesFairValueDisclosure",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": "us-gaap_FinancialLiabilitiesFairValueDisclosure",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accrued interest payable",
        "label": "Accrued Liabilities, Fair Value Disclosure",
        "documentation": "Fair value portion of accrued expenses."
       }
      }
     },
     "auth_ref": [
      "r108",
      "r1566",
      "r1567",
      "r1577"
     ]
    },
    "us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails": {
       "parentTag": "us-gaap_PropertyPlantAndEquipmentNet",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Accumulated depreciation",
        "label": "Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment",
        "documentation": "Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services."
       }
      }
     },
     "auth_ref": [
      "r46",
      "r300",
      "r943"
     ]
    },
    "us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AccumulatedGainLossNetCashFlowHedgeParentMember",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent",
        "label": "Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member]",
        "documentation": "Accumulated other comprehensive income (loss) from gain (loss) of derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness, attributable to parent."
       }
      }
     },
     "auth_ref": [
      "r321",
      "r330",
      "r331",
      "r746",
      "r1137",
      "r1366"
     ]
    },
    "us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AccumulatedOtherComprehensiveIncomeLossNetOfTax",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accumulated other comprehensive loss (net of tax benefit of $(21,209) and $(24,176), respectively)",
        "verboseLabel": "Accumulated other comprehensive loss (net of tax benefit of $(21,209) and $(24,176), respectively)",
        "label": "Accumulated Other Comprehensive Income (Loss), Net of Tax",
        "documentation": "Amount, after tax, of accumulated increase (decrease) in equity from transaction and other event and circumstance from nonowner source."
       }
      }
     },
     "auth_ref": [
      "r27",
      "r28",
      "r129",
      "r310",
      "r939",
      "r976",
      "r980"
     ]
    },
    "us-gaap_AccumulatedOtherComprehensiveIncomeMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AccumulatedOtherComprehensiveIncomeMember",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accumulated Other Comprehensive Income (Loss)",
        "label": "AOCI Attributable to Parent [Member]",
        "documentation": "Accumulated increase (decrease) in equity from transactions and other events and circumstances from non-owner sources, attributable to the parent. Excludes net income (loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners."
       }
      }
     },
     "auth_ref": [
      "r2",
      "r13",
      "r28",
      "r762",
      "r765",
      "r833",
      "r971",
      "r972",
      "r1366",
      "r1367",
      "r1368",
      "r1382",
      "r1383",
      "r1384",
      "r1385"
     ]
    },
    "us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted average useful life of acquired intangible assets",
        "label": "Acquired Finite-Lived Intangible Assets, Weighted Average Useful Life",
        "documentation": "Weighted average amortization period of finite-lived intangible assets acquired either individually or as part of a group of assets, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": [
      "r540",
      "r1130"
     ]
    },
    "ecd_Additional402vDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "Additional402vDisclosureTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Additional 402(v) Disclosure",
        "label": "Additional 402(v) Disclosure [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1277"
     ]
    },
    "us-gaap_AdditionalPaidInCapital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AdditionalPaidInCapital",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Additional paid-in capital",
        "verboseLabel": "Additional paid-in capital",
        "label": "Additional Paid in Capital",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r121",
      "r1196",
      "r1640"
     ]
    },
    "us-gaap_AdditionalPaidInCapitalMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AdditionalPaidInCapitalMember",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Additional Paid-In Capital",
        "label": "Additional Paid-in Capital [Member]",
        "documentation": "Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders."
       }
      }
     },
     "auth_ref": [
      "r997",
      "r1382",
      "r1383",
      "r1384",
      "r1385",
      "r1564",
      "r1643"
     ]
    },
    "slm_AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Additional Loans the Bank Transferred to the Trust",
        "label": "Additional Proceeds from Sale of Debt Securities, Available-for-sale",
        "documentation": "Additional Proceeds from Sale of Debt Securities, Available-for-sale"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_AdjToCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AdjToCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustment to Compensation, Amount",
        "label": "Adjustment to Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1290"
     ]
    },
    "ecd_AdjToCompAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AdjToCompAxis",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustment to Compensation:",
        "label": "Adjustment to Compensation [Axis]"
       }
      }
     },
     "auth_ref": [
      "r1290"
     ]
    },
    "ecd_AdjToNonPeoNeoCompFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AdjToNonPeoNeoCompFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustment to Non-PEO NEO Compensation Footnote",
        "label": "Adjustment to Non-PEO NEO Compensation Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1290"
     ]
    },
    "ecd_AdjToPeoCompFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AdjToPeoCompFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustment To PEO Compensation, Footnote",
        "label": "Adjustment To PEO Compensation, Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1290"
     ]
    },
    "us-gaap_AdjustmentsForNewAccountingPronouncementsAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AdjustmentsForNewAccountingPronouncementsAxis",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustments for New Accounting Pronouncements [Axis]",
        "label": "Accounting Standards Update [Axis]",
        "documentation": "Information by amendment to accounting standards."
       }
      }
     },
     "auth_ref": [
      "r290",
      "r291",
      "r292",
      "r293",
      "r294",
      "r295",
      "r356",
      "r357",
      "r358",
      "r359",
      "r369",
      "r431",
      "r432",
      "r476",
      "r477",
      "r478",
      "r479",
      "r480",
      "r481",
      "r482",
      "r483",
      "r484",
      "r485",
      "r549",
      "r550",
      "r559",
      "r707",
      "r708",
      "r709",
      "r710",
      "r711",
      "r723",
      "r724",
      "r725",
      "r726",
      "r727",
      "r728",
      "r729",
      "r730",
      "r731",
      "r733",
      "r734",
      "r735",
      "r736",
      "r737",
      "r738",
      "r739",
      "r740",
      "r757",
      "r758",
      "r759",
      "r760",
      "r761",
      "r762",
      "r763",
      "r764",
      "r765",
      "r766",
      "r767",
      "r770",
      "r771",
      "r772",
      "r773",
      "r774",
      "r775",
      "r776",
      "r777",
      "r778",
      "r779",
      "r780",
      "r806",
      "r807",
      "r823",
      "r824",
      "r825",
      "r828",
      "r829",
      "r830",
      "r831",
      "r832",
      "r833",
      "r873",
      "r874",
      "r875",
      "r969",
      "r970",
      "r971",
      "r972",
      "r973",
      "r974",
      "r975",
      "r976",
      "r977",
      "r978",
      "r979",
      "r980"
     ]
    },
    "us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Shares repurchased related to employee stock-based compensation plans",
        "label": "Share-Based Payment Arrangement, Decrease for Tax Withholding Obligation",
        "documentation": "Amount of decrease to equity for grantee's tax withholding obligation for award under share-based payment arrangement."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock-based compensation expense",
        "label": "APIC, Share-Based Payment Arrangement, Increase for Cost Recognition",
        "documentation": "Amount of increase to additional paid-in capital (APIC) for recognition of cost for award under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r61",
      "r62",
      "r645"
     ]
    },
    "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total adjustments",
        "label": "Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r141"
     ]
    },
    "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustments to reconcile net income to net cash provided by (used in) operating activities:",
        "verboseLabel": "Adjustments to reconcile net income to net cash provided by operating activities:",
        "label": "Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AdoptionOfNewAccountingPronouncementsPercentDeferred": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AdoptionOfNewAccountingPronouncementsPercentDeferred",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amount deferred",
        "label": "Adoption Of New Accounting Pronouncements, Percent Deferred",
        "documentation": "Adoption Of New Accounting Pronouncements, Percent Deferred"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Low income housing tax credit investments",
        "label": "Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization Expense",
        "documentation": "Amount, before amortization expense, of income tax credit and other tax benefit generated by investment under tax credit program elected to be accounted for using proportional amortization method. Includes, but is not limited to, investment under tax credit program not meeting condition for accounting under proportional amortization method."
       }
      }
     },
     "auth_ref": [
      "r235",
      "r720"
     ]
    },
    "ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AggtChngPnsnValInSummryCompstnTblForAplblYrMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table",
        "label": "Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table [Member]"
       }
      }
     },
     "auth_ref": [
      "r1335"
     ]
    },
    "ecd_AggtErrCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AggtErrCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate Erroneous Compensation Amount",
        "label": "Aggregate Erroneous Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1248",
      "r1259",
      "r1269",
      "r1302"
     ]
    },
    "ecd_AggtErrCompNotYetDeterminedTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AggtErrCompNotYetDeterminedTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate Erroneous Compensation Not Yet Determined",
        "label": "Aggregate Erroneous Compensation Not Yet Determined [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1251",
      "r1262",
      "r1272",
      "r1305"
     ]
    },
    "ecd_AggtPnsnAdjsSvcCstMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AggtPnsnAdjsSvcCstMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate Pension Adjustments Service Cost",
        "label": "Aggregate Pension Adjustments Service Cost [Member]"
       }
      }
     },
     "auth_ref": [
      "r1336"
     ]
    },
    "ecd_AllAdjToCompMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AllAdjToCompMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "All Adjustments to Compensation",
        "label": "All Adjustments to Compensation [Member]"
       }
      }
     },
     "auth_ref": [
      "r1290"
     ]
    },
    "ecd_AllExecutiveCategoriesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AllExecutiveCategoriesMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "All Executive Categories",
        "label": "All Executive Categories [Member]"
       }
      }
     },
     "auth_ref": [
      "r1297"
     ]
    },
    "ecd_AllIndividualsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AllIndividualsMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure",
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure",
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements",
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "All Individuals",
        "label": "All Individuals [Member]"
       }
      }
     },
     "auth_ref": [
      "r1252",
      "r1263",
      "r1273",
      "r1297",
      "r1306",
      "r1310",
      "r1318"
     ]
    },
    "ecd_AllTradingArrangementsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AllTradingArrangementsMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "All Trading Arrangements",
        "label": "All Trading Arrangements [Member]"
       }
      }
     },
     "auth_ref": [
      "r1316"
     ]
    },
    "slm_AllowanceAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AllowanceAbstract",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance",
        "label": "Allowance [Abstract]",
        "documentation": "Allowance."
       }
      }
     },
     "auth_ref": []
    },
    "slm_AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest receivable",
        "label": "Allowance As Percentage Of Ending Loan Balance And Accrued Interest",
        "documentation": "Allowance As Percentage Of Ending Loan Balance And Accrued Interest"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AllowanceCoverageOfChargeOffsAverageLoansInRepayment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AllowanceCoverageOfChargeOffsAverageLoansInRepayment",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Average loans in repayment",
        "label": "Allowance Coverage Of Charge Offs Average Loans In Repayment",
        "documentation": "Allowance coverage of charge offs average loans in repayment."
       }
      }
     },
     "auth_ref": []
    },
    "slm_AllowanceCoverageOfChargeOffsEndingLoans": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AllowanceCoverageOfChargeOffsEndingLoans",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Ending total loans, gross",
        "label": "Allowance Coverage Of Charge Offs Ending Loans",
        "documentation": "Allowance coverage of charge-offs ending total loans."
       }
      }
     },
     "auth_ref": []
    },
    "slm_AllowanceCoverageOfChargeOffsEndingLoansInRepayment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AllowanceCoverageOfChargeOffsEndingLoansInRepayment",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Ending loans in repayment",
        "label": "Allowance Coverage Of Charge Offs Ending Loans In Repayment",
        "documentation": "Allowance coverage of charge-offs Ending loans in repayment."
       }
      }
     },
     "auth_ref": []
    },
    "slm_AllowanceForCreditCardLoansPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AllowanceForCreditCardLoansPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance For Credit Card Loans",
        "label": "Allowance For Credit Card Loans [Policy Text Block]",
        "documentation": "Allowance For Credit Card Loans"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AllowanceForCreditLossExcludingAccruedInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AllowanceForCreditLossExcludingAccruedInterest",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total allowance for credit losses, ending balance",
        "label": "Allowance for Credit Loss, Excluding Accrued Interest",
        "documentation": "Allowance for Credit Loss, Excluding Accrued Interest"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AllowanceForCreditLossesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AllowanceForCreditLossesAbstract",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance For Credit Losses [Abstract]",
        "label": "Allowance For Credit Losses [Abstract]",
        "documentation": "Allowance for credit losses."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsTables",
      "http://www.salliemae.com/role/LoansHeldforInvestmentTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Allowance for Credit Losses and Recorded Investments in Loans",
        "label": "Financing Receivable, Allowance for Credit Loss [Table Text Block]",
        "documentation": "Tabular disclosure of allowance for credit loss on financing receivable."
       }
      }
     },
     "auth_ref": [
      "r212",
      "r1420"
     ]
    },
    "us-gaap_AllowanceForCreditLossesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AllowanceForCreditLossesTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitments"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance for Credit Losses and Unfunded Loan Commitments",
        "label": "Allowance for Credit Losses [Text Block]",
        "documentation": "The entire disclosure for allowance for credit losses."
       }
      }
     },
     "auth_ref": [
      "r43"
     ]
    },
    "slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AllowanceForFFELPLoanLossesPolicyPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance For FFELP Loan Losses",
        "label": "Allowance For FFELP Loan Losses, Policy [Policy Text Block]",
        "documentation": "Allowance For FFELP Loan Losses, Policy"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AllowanceForLoanAndLeaseLossesWriteoffsNetAbstract",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net charge-offs:",
        "label": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance for Private Education Loan Losses",
        "label": "Allowance For Private Education Loan Losses Policy [Policy Text Block]",
        "documentation": "Allowance for private education loan losses."
       }
      }
     },
     "auth_ref": []
    },
    "slm_AllowanceForUncollectibleAccruedInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AllowanceForUncollectibleAccruedInterest",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAccruedInterestReceivableDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance for uncollectible interest",
        "label": "Allowance For Uncollectible Accrued Interest",
        "documentation": "Allowance For Uncollectible Accrued Interest"
       }
      }
     },
     "auth_ref": []
    },
    "dei_AmendmentFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "AmendmentFlag",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amendment Flag",
        "label": "Amendment Flag",
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AmortizationMethodQualifiedAffordableHousingProjectInvestments",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total carrying value of LIHTC investments",
        "label": "Investment, Proportional Amortization Method, Elected, Amount",
        "documentation": "Amount of investment that generates income tax credit and other income tax benefit under tax credit program elected to be accounted for using proportional amortization method. Includes, but is not limited to, investment under program not meeting condition for accounting under proportional amortization method."
       }
      }
     },
     "auth_ref": [
      "r237",
      "r721"
     ]
    },
    "us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amount of amortization reported in income tax expense",
        "label": "Investment Program, Proportional Amortization Method, Applied, Amortization Expense",
        "documentation": "Amount of amortization expense for investment that generates income tax credit and other income tax benefit under tax credit program accounted for using proportional amortization method."
       }
      }
     },
     "auth_ref": [
      "r238",
      "r722"
     ]
    },
    "slm_AmortizationOfABCPUpfrontLoanFees": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AmortizationOfABCPUpfrontLoanFees",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 6.0
      },
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amortization of Secured Borrowing Facility upfront fee",
        "verboseLabel": "Amortization of unsecured debt upfront fees",
        "label": "Amortization of ABCP Upfront Loan Fees",
        "documentation": "Amortization of ABCP Upfront Loan Fees"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_NoninterestExpense",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/SegmentReportingDetails": {
       "parentTag": "us-gaap_NoninterestExpense",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Acquired intangible assets impairment and amortization expense",
        "verboseLabel": "Acquired intangible assets impairment and amortization expense",
        "label": "Amortization of Acquired Intangible Assets, Including Impairment of Intangible Assets",
        "documentation": "Amortization of Acquired Intangible Assets, Including Impairment of Intangible Assets"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AmortizationOfAcquisitionCosts": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AmortizationOfAcquisitionCosts",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 10.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Acquisition transaction costs, net",
        "label": "Amortization of Acquisition Costs",
        "documentation": "The amount of expense recognized in the current period that reflects the allocation of capitalized costs associated with acquisition of business. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method."
       }
      }
     },
     "auth_ref": [
      "r7"
     ]
    },
    "us-gaap_AmortizationOfDebtDiscountPremium": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AmortizationOfDebtDiscountPremium",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amortization of discount on unsecured borrowings",
        "label": "Amortization of Debt Discount (Premium)",
        "documentation": "Amount of noncash expense included in interest expense to amortize debt discount and premium associated with the related debt instruments. Excludes amortization of financing costs. Alternate captions include noncash interest expense."
       }
      }
     },
     "auth_ref": [
      "r7",
      "r135",
      "r603",
      "r1587"
     ]
    },
    "us-gaap_AmortizationOfDeferredLoanOriginationFeesNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AmortizationOfDeferredLoanOriginationFeesNet",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Amortization of deferred loan origination costs and loan premium/(discounts), net",
        "label": "Amortization of Deferred Loan Origination Fees, Net",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1373",
      "r1401"
     ]
    },
    "us-gaap_AmortizationOfIntangibleAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AmortizationOfIntangibleAssets",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amortized intangible assets",
        "label": "Amortization of Intangible Assets",
        "documentation": "The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method."
       }
      }
     },
     "auth_ref": [
      "r7",
      "r537",
      "r544",
      "r1161"
     ]
    },
    "slm_AmortizationofBrokeredDepositPlacement": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AmortizationofBrokeredDepositPlacement",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amortization of brokered deposit placement fee",
        "label": "Amortization of Brokered Deposit Placement",
        "documentation": "amortization of brokered deposit placement"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AmountOfVariationMarginIncludedAsSettlement": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AmountOfVariationMarginIncludedAsSettlement",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amount of variation margin included as settlement",
        "label": "Amount Of Variation Margin Included As Settlement",
        "documentation": "Amount Of Variation Margin Included As Settlement"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs": {
     "xbrltype": "pureItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance for loan losses coverage of net charge-offs",
        "label": "Annualized Allowance On Private Education Loan Coverage Of Charge Offs",
        "documentation": "Annualized allowance on private education loan coverage of charge offs."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount",
     "presentation": [
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Antidilutive securities excluded from computation of earnings per share, less than (in shares)",
        "label": "Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r388"
     ]
    },
    "us-gaap_AociTaxAttributableToParent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AociTaxAttributableToParent",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Tax benefit on accumulated other comprehensive loss",
        "negatedTerseLabel": "Accumulated other comprehensive income, tax",
        "label": "AOCI Tax, Attributable to Parent",
        "documentation": "Amount of tax expense (benefit) allocated to accumulated other comprehensive income (loss) attributable to parent."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_Assets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "Assets",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      },
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total assets",
        "terseLabel": "Total",
        "label": "Assets",
        "documentation": "Amount of asset recognized for present right to economic benefit."
       }
      }
     },
     "auth_ref": [
      "r181",
      "r211",
      "r304",
      "r348",
      "r392",
      "r400",
      "r419",
      "r423",
      "r474",
      "r572",
      "r573",
      "r574",
      "r575",
      "r576",
      "r577",
      "r578",
      "r579",
      "r580",
      "r742",
      "r747",
      "r810",
      "r933",
      "r1042",
      "r1146",
      "r1147",
      "r1196",
      "r1226",
      "r1451",
      "r1452",
      "r1589"
     ]
    },
    "us-gaap_AssetsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AssetsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Assets",
        "verboseLabel": "Assets",
        "label": "Assets [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AssetsFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AssetsFairValueDisclosure",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      },
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total",
        "verboseLabel": "Total",
        "label": "Assets, Fair Value Disclosure",
        "documentation": "Fair value portion of asset recognized for present right to economic benefit."
       }
      }
     },
     "auth_ref": [
      "r782",
      "r783",
      "r1184"
     ]
    },
    "us-gaap_AssetsFairValueDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AssetsFairValueDisclosureAbstract",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Assets:",
        "label": "Assets, Fair Value Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total earning assets, difference",
        "label": "Assets, Fair Value Disclosure, Difference Between Carrying Value And Fair Value",
        "documentation": "Assets, Fair Value Disclosure, Difference Between Carrying Value And Fair Value"
       }
      }
     },
     "auth_ref": []
    },
    "slm_AuditInformationAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AuditInformationAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Audit Information [Abstract]",
        "documentation": "Audit Information [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "dei_AuditorFirmId": {
     "xbrltype": "nonemptySequenceNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "AuditorFirmId",
     "presentation": [
      "http://www.salliemae.com/role/AuditInformation",
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Auditor Firm ID",
        "label": "Auditor Firm ID",
        "documentation": "PCAOB issued Audit Firm Identifier"
       }
      }
     },
     "auth_ref": [
      "r1231",
      "r1232",
      "r1255"
     ]
    },
    "dei_AuditorLocation": {
     "xbrltype": "internationalNameItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "AuditorLocation",
     "presentation": [
      "http://www.salliemae.com/role/AuditInformation",
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Auditor Location",
        "label": "Auditor Location"
       }
      }
     },
     "auth_ref": [
      "r1231",
      "r1232",
      "r1255"
     ]
    },
    "dei_AuditorName": {
     "xbrltype": "internationalNameItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "AuditorName",
     "presentation": [
      "http://www.salliemae.com/role/AuditInformation",
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Auditor Name",
        "label": "Auditor Name"
       }
      }
     },
     "auth_ref": [
      "r1231",
      "r1232",
      "r1255"
     ]
    },
    "us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gross Unrealized Gains",
        "label": "Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Gain, before Tax",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r447"
     ]
    },
    "us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Gross Unrealized Losses",
        "label": "Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r448"
     ]
    },
    "us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AvailableForSaleDebtSecuritiesAmortizedCostBasis",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical",
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails",
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Available-for sale investments at fair value, cost",
        "terseLabel": "Amortized Cost",
        "label": "Debt Securities, Available-for-Sale, Amortized Cost",
        "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r444",
      "r512",
      "r931"
     ]
    },
    "slm_AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Available-for-sale investments received in consideration for loans sold",
        "label": "Available-For-Sale Investments Received in Consideration for Loans Sold",
        "documentation": "Available-For-Sale Investments Received in Consideration for Loans Sold"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AvailableForSaleSecuritiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AvailableForSaleSecuritiesAbstract",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails",
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "12 months or more",
        "verboseLabel": "Debt Securities, Available-for-Sale [Abstract]",
        "label": "Debt Securities, Available-for-Sale [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Less than 12 months",
        "label": "Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AvailableForSaleSecuritiesDebtSecurities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AvailableForSaleSecuritiesDebtSecurities",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Investments",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails",
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail",
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails",
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Available-for-sale investments",
        "terseLabel": "Estimated Fair Value",
        "label": "Debt Securities, Available-for-Sale",
        "documentation": "Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r445",
      "r512",
      "r782",
      "r911",
      "r1184",
      "r1188",
      "r1405",
      "r1568",
      "r1569",
      "r1570"
     ]
    },
    "slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "AvailableForSaleSecuritiesUnrealizedLossPositionAbstract",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total",
        "label": "Available-For-Sale Securities, Unrealized Loss Position [Abstract]",
        "documentation": "Available-For-Sale Securities, Unrealized Loss Position [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_AwardExrcPrice": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AwardExrcPrice",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Exercise Price",
        "label": "Award Exercise Price"
       }
      }
     },
     "auth_ref": [
      "r1313"
     ]
    },
    "ecd_AwardGrantDateFairValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AwardGrantDateFairValue",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value as of Grant Date",
        "label": "Award Grant Date Fair Value"
       }
      }
     },
     "auth_ref": [
      "r1314"
     ]
    },
    "ecd_AwardTmgDiscLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AwardTmgDiscLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Award Timing Disclosures [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1309"
     ]
    },
    "ecd_AwardTmgHowMnpiCnsdrdTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AwardTmgHowMnpiCnsdrdTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Timing, How MNPI Considered",
        "label": "Award Timing, How MNPI Considered [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1309"
     ]
    },
    "ecd_AwardTmgMethodTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AwardTmgMethodTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Timing Method",
        "label": "Award Timing Method [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1309"
     ]
    },
    "ecd_AwardTmgMnpiCnsdrdFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AwardTmgMnpiCnsdrdFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Timing MNPI Considered",
        "label": "Award Timing MNPI Considered [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1309"
     ]
    },
    "ecd_AwardTmgMnpiDiscTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AwardTmgMnpiDiscTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Timing MNPI Disclosure",
        "label": "Award Timing MNPI Disclosure [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1309"
     ]
    },
    "ecd_AwardTmgPredtrmndFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AwardTmgPredtrmndFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Timing Predetermined",
        "label": "Award Timing Predetermined [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1309"
     ]
    },
    "us-gaap_AwardTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "AwardTypeAxis",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails",
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Type [Axis]",
        "label": "Award Type [Axis]",
        "documentation": "Information by type of award under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r649",
      "r650",
      "r651",
      "r652",
      "r653",
      "r654",
      "r655",
      "r656",
      "r657",
      "r658",
      "r659",
      "r660",
      "r661",
      "r662",
      "r663",
      "r664",
      "r665",
      "r666",
      "r667",
      "r668",
      "r669",
      "r670",
      "r671",
      "r672",
      "r673",
      "r674"
     ]
    },
    "ecd_AwardUndrlygSecuritiesAmt": {
     "xbrltype": "decimalItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AwardUndrlygSecuritiesAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Underlying Securities",
        "label": "Award Underlying Securities Amount"
       }
      }
     },
     "auth_ref": [
      "r1312"
     ]
    },
    "ecd_AwardsCloseToMnpiDiscIndName": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AwardsCloseToMnpiDiscIndName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Name",
        "label": "Awards Close in Time to MNPI Disclosures, Individual Name"
       }
      }
     },
     "auth_ref": [
      "r1311"
     ]
    },
    "ecd_AwardsCloseToMnpiDiscTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AwardsCloseToMnpiDiscTable",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Awards Close in Time to MNPI Disclosures",
        "label": "Awards Close in Time to MNPI Disclosures [Table]"
       }
      }
     },
     "auth_ref": [
      "r1310"
     ]
    },
    "ecd_AwardsCloseToMnpiDiscTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "AwardsCloseToMnpiDiscTableTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Awards Close in Time to MNPI Disclosures, Table",
        "label": "Awards Close in Time to MNPI Disclosures [Table Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1310"
     ]
    },
    "slm_BorrowingsCollateralizedByLoansInTrustIssued": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "BorrowingsCollateralizedByLoansInTrustIssued",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Borrowings collateralized by loans in securitization trusts - issued",
        "label": "Borrowings Collateralized By Loans In Trust Issued",
        "documentation": "Borrowings Collateralized By Loans In Trust Issued"
       }
      }
     },
     "auth_ref": []
    },
    "slm_BorrowingsCollateralizedByLoansInTrustRepaid": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "BorrowingsCollateralizedByLoansInTrustRepaid",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Borrowings collateralized by loans in securitization trusts - repaid",
        "label": "Borrowings Collateralized By Loans In Trust Repaid",
        "documentation": "Borrowings Collateralized By Loans In Trust Repaid"
       }
      }
     },
     "auth_ref": []
    },
    "slm_BrokeredDepositPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "BrokeredDepositPercent",
     "presentation": [
      "http://www.salliemae.com/role/ConcentrationsofRiskDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percent of brokered deposit",
        "label": "Brokered Deposit, Percent",
        "documentation": "Brokered Deposit, Percent"
       }
      }
     },
     "auth_ref": []
    },
    "slm_BrokeredDepositPlacementFee": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "BrokeredDepositPlacementFee",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Brokered deposit placement fee",
        "label": "Brokered Deposit Placement Fee",
        "documentation": "Brokered Deposit Placement Fee"
       }
      }
     },
     "auth_ref": []
    },
    "slm_BrokeredDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "BrokeredDeposits",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Brokered deposits",
        "label": "Brokered Deposits",
        "documentation": "Brokered Deposits"
       }
      }
     },
     "auth_ref": []
    },
    "slm_BrokeredDepositsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "BrokeredDepositsMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Brokered CDs",
        "label": "Brokered Deposits [Member]",
        "documentation": "Brokered Deposits [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BuildingAndBuildingImprovementsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "BuildingAndBuildingImprovementsMember",
     "presentation": [
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Buildings and leasehold improvements",
        "label": "Building and Building Improvements [Member]",
        "documentation": "Facility held for productive use including, but not limited to, office, production, storage and distribution facilities and any addition, improvement, or renovation to the structure, for example, but not limited to, interior masonry, interior flooring, electrical, and plumbing."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessAcquisitionAcquireeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "BusinessAcquisitionAcquireeDomain",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Business Acquisition, Acquiree [Domain]",
        "label": "Business Acquisition, Acquiree [Domain]",
        "documentation": "Identification of the acquiree in a material business combination (or series of individually immaterial business combinations), which may include the name or other type of identification of the acquiree."
       }
      }
     },
     "auth_ref": [
      "r538",
      "r539",
      "r540",
      "r541",
      "r542",
      "r732",
      "r1172",
      "r1173"
     ]
    },
    "us-gaap_BusinessAcquisitionAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "BusinessAcquisitionAxis",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Business Acquisition [Axis]",
        "label": "Business Acquisition [Axis]",
        "documentation": "Information by business combination or series of individually immaterial business combinations."
       }
      }
     },
     "auth_ref": [
      "r64",
      "r65",
      "r538",
      "r539",
      "r540",
      "r541",
      "r542",
      "r732",
      "r1172",
      "r1173"
     ]
    },
    "us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "BusinessAcquisitionCostOfAcquiredEntityTransactionCosts",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Transaction costs",
        "label": "Business Acquisition, Transaction Costs",
        "documentation": "Amount of direct costs of the business combination including legal, accounting, and other costs incurred to consummate the business acquisition."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessAcquisitionLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "BusinessAcquisitionLineItems",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Business Acquisition [Line Items]",
        "label": "Business Acquisition [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r732"
     ]
    },
    "us-gaap_BusinessCombinationAcquisitionRelatedCosts": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "BusinessCombinationAcquisitionRelatedCosts",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Acquisition related costs",
        "label": "Business Combination, Acquisition Related Costs",
        "documentation": "This element represents acquisition-related costs incurred to effect a business combination which costs have been expensed during the period. Such costs include finder's fees; advisory, legal, accounting, valuation, and other professional or consulting fees; general administrative costs, including the costs of maintaining an internal acquisitions department; and may include costs of registering and issuing debt and equity securities."
       }
      }
     },
     "auth_ref": [
      "r63"
     ]
    },
    "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Identifiable intangible assets at acquisition date included definite life intangible assets",
        "label": "Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Intangible Assets, Other than Goodwill",
        "documentation": "Amount of intangible assets, excluding goodwill, acquired at the acquisition date."
       }
      }
     },
     "auth_ref": [
      "r66"
     ]
    },
    "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Purchase price",
        "label": "Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net",
        "documentation": "Amount recognized for assets, including goodwill, in excess of (less than) the aggregate liabilities assumed."
       }
      }
     },
     "auth_ref": [
      "r66"
     ]
    },
    "us-gaap_BusinessCombinationsPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "BusinessCombinationsPolicy",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Business Combinations",
        "label": "Business Combinations Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for completed business combinations (purchase method, acquisition method or combination of entities under common control). This accounting policy may include a general discussion of the purchase method or acquisition method of accounting (including for example, the treatment accorded contingent consideration, the identification of assets and liabilities, the purchase price allocation process, how the fair values of acquired assets and liabilities are determined) and the entity's specific application thereof. An entity that acquires another entity in a leveraged buyout transaction generally discloses the accounting policy followed by the acquiring entity in determining the basis used to value its interest in the acquired entity, and the rationale for that accounting policy."
       }
      }
     },
     "auth_ref": [
      "r163",
      "r164",
      "r165",
      "r166"
     ]
    },
    "stpr_CA": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/stpr/2024",
     "localname": "CA",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "California",
        "label": "CALIFORNIA"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_Capital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "Capital",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Capital (to Risk-Weighted Assets)",
        "label": "Banking Regulation, Total Capital, Actual",
        "documentation": "Amount of total capital as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r922"
     ]
    },
    "us-gaap_CapitalAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CapitalAbstract",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Actual Amount",
        "label": "Banking Regulation, Total Capital [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_CapitalLossValuationAllowance": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CapitalLossValuationAllowance",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net unrealized losses in valuation allowance",
        "label": "Capital Loss, Valuation Allowance",
        "documentation": "Capital Loss, Valuation Allowance"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CapitalRequiredToBeWellCapitalized": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CapitalRequiredToBeWellCapitalized",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Capital (to Risk-Weighted Assets)",
        "label": "Banking Regulation, Total Risk-Based Capital, Well Capitalized, Minimum",
        "documentation": "Amount of minimum total risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action."
       }
      }
     },
     "auth_ref": [
      "r922"
     ]
    },
    "us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Capital (to Risk-Weighted Assets)",
        "label": "Banking Regulation, Total Risk-Based Capital Ratio, Well Capitalized, Minimum",
        "documentation": "Ratio of minimum total risk-based capital to risk-weighted assets categorized as well capitalized as defined by regulatory framework for prompt corrective action."
       }
      }
     },
     "auth_ref": [
      "r922"
     ]
    },
    "us-gaap_CapitalToRiskWeightedAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CapitalToRiskWeightedAssets",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Capital (to Risk-Weighted Assets)",
        "label": "Banking Regulation, Total Risk-Based Capital Ratio, Actual",
        "documentation": "Ratio of total risk-based capital to risk-weighted assets as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r922"
     ]
    },
    "slm_CarryingAmountOfAssetsSecuringDebtOutstandingLoans": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CarryingAmountOfAssetsSecuringDebtOutstandingLoans",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans",
        "label": "Carrying Amount Of Assets Securing Debt Outstanding Loans",
        "documentation": "Carrying Amount Of Assets Securing Debt Outstanding Loans"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CarryingReportedAmountFairValueDisclosureMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CarryingReportedAmountFairValueDisclosureMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Carrying Value",
        "label": "Reported Value Measurement [Member]",
        "documentation": "Measured as reported on the statement of financial position (balance sheet)."
       }
      }
     },
     "auth_ref": [
      "r101",
      "r102"
     ]
    },
    "us-gaap_CashAndCashEquivalentsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashAndCashEquivalentsAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash and Cash Equivalents [Abstract]",
        "label": "Cash and Cash Equivalents [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CashAndCashEquivalentsAtCarryingValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashAndCashEquivalentsAtCarryingValue",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 3.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash and cash equivalents",
        "verboseLabel": "Cash and cash equivalents",
        "periodStartLabel": "Cash and cash equivalents at beginning of year",
        "periodEndLabel": "Cash and cash equivalents at end of year",
        "label": "Cash and Cash Equivalents, at Carrying Value",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r33",
      "r298",
      "r1133"
     ]
    },
    "us-gaap_CashAndCashEquivalentsDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashAndCashEquivalentsDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/CashandCashEquivalents"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash and Cash Equivalents",
        "label": "Cash and Cash Equivalents Disclosure [Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r298",
      "r936"
     ]
    },
    "us-gaap_CashAndCashEquivalentsFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashAndCashEquivalentsFairValueDisclosure",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash and cash equivalents",
        "label": "Cash and Cash Equivalents, Fair Value Disclosure",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1566",
      "r1567"
     ]
    },
    "us-gaap_CashAndCashEquivalentsPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashAndCashEquivalentsPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash and Cash Equivalents",
        "label": "Cash and Cash Equivalents, Policy [Policy Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r34"
     ]
    },
    "us-gaap_CashAndDueFromBanks": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashAndDueFromBanks",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CashandCashEquivalentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash due from depository institutions",
        "label": "Cash and Due from Banks",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r179"
     ]
    },
    "slm_CashAndInvestmentsInterestIncomeLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CashAndInvestmentsInterestIncomeLoss",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_InterestAndDividendIncomeOperating",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash and cash equivalents",
        "label": "Cash And Investments Interest Income Loss",
        "documentation": "Cash and investments interest income (loss)."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Cash, cash equivalents and restricted cash at beginning of year",
        "periodEndLabel": "Cash, cash equivalents and restricted cash at end of year",
        "totalLabel": "Total cash, cash equivalents and restricted cash",
        "label": "Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r33",
      "r138",
      "r344"
     ]
    },
    "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reconciliation of the Consolidated Statements of Cash Flows to the Consolidated Balance Sheets:",
        "label": "Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net increase (decrease) in cash, cash equivalents and restricted cash",
        "terseLabel": "Net increase (decrease) in cash, cash equivalents and restricted cash",
        "label": "Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1",
      "r138"
     ]
    },
    "us-gaap_CashEquivalentsAtCarryingValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashEquivalentsAtCarryingValue",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CashandCashEquivalentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Outstanding cash equivalents",
        "label": "Cash Equivalents, at Carrying Value",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1360",
      "r1605"
     ]
    },
    "us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gain (loss) to be reclassified within 12 months",
        "label": "Cash Flow Hedge Gain (Loss) to be Reclassified within 12 Months",
        "documentation": "The estimated net amount of existing gains or losses on cash flow hedges at the reporting date expected to be reclassified to earnings within the next 12 months."
       }
      }
     },
     "auth_ref": [
      "r100"
     ]
    },
    "us-gaap_CashFlowHedgingMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashFlowHedgingMember",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash Flow",
        "label": "Cash Flow Hedging [Member]",
        "documentation": "Hedge of the exposure to variability in the cash flows of a recognized asset or liability, or of a forecasted transaction, that is attributable to a particular risk."
       }
      }
     },
     "auth_ref": [
      "r84"
     ]
    },
    "us-gaap_CashUninsuredAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CashUninsuredAmount",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits exceeding FDIC insurance limits",
        "label": "Cash, Uninsured Amount",
        "documentation": "The amount of cash as of the balance sheet date that is not insured by the Federal Deposit Insurance Corporation."
       }
      }
     },
     "auth_ref": []
    },
    "slm_CashduefromFederalReserveBank": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CashduefromFederalReserveBank",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CashandCashEquivalentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash due from Federal Reserve Bank",
        "label": "Cash due from Federal Reserve Bank",
        "documentation": "Cash due from Federal Reserve Bank"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Cashpaidforbrokereddepositplacementfee": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Cashpaidforbrokereddepositplacementfee",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Brokered deposit placement fee",
        "label": "Cash paid for brokered deposit placement fee",
        "documentation": "Cash paid for brokered deposit placement fee"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CertificatesOfDepositAtCarryingValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CertificatesOfDepositAtCarryingValue",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CashandCashEquivalentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Funds on deposit with the FRB",
        "label": "Certificates of Deposit, at Carrying Value",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1360"
     ]
    },
    "us-gaap_CertificatesOfDepositMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CertificatesOfDepositMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Certificates of deposit",
        "label": "Certificates of Deposit [Member]",
        "documentation": "Short to medium-term investment available at banks and savings and loan institutions where a customer agrees to lend money to the institution for a certain amount of time and is paid a predetermined rate of interest. Certificates of deposit (CD) are typically Federal Deposit Insurance Corporation (FDIC) insured."
       }
      }
     },
     "auth_ref": [
      "r12",
      "r1215",
      "r1216",
      "r1217",
      "r1220"
     ]
    },
    "slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total change in other comprehensive income (loss) for unrealized gains (losses) on derivatives, before income tax (expense) benefit",
        "label": "Change In Other Comprehensive Income (Loss) For Unrealized Gains (Losses) On Derivatives, Before Income Tax (Expense) Benefit",
        "documentation": "Change In Other Comprehensive Income (Loss) For Unrealized Gains (Losses) On Derivatives, Before Income Tax (Expense) Benefit"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails": {
       "parentTag": "us-gaap_DerivativeGainLossOnDerivativeNet",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivatives recorded in interest expense",
        "label": "Change in Unrealized Gain (Loss) on Fair Value Hedging Instruments",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r175"
     ]
    },
    "us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails": {
       "parentTag": "us-gaap_DerivativeGainLossOnDerivativeNet",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Hedged items recorded in interest expense",
        "label": "Change in Unrealized Gain (Loss) on Hedged Item in Fair Value Hedge",
        "documentation": "Amount of the increase (decrease) in fair value of the hedged item in a fair value hedge recognized in the income statement."
       }
      }
     },
     "auth_ref": [
      "r175"
     ]
    },
    "ecd_ChangedPeerGroupFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "ChangedPeerGroupFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Changed Peer Group, Footnote",
        "label": "Changed Peer Group, Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1288"
     ]
    },
    "slm_ChargeOffsAsPercentageOfAverageLoansInRepayment": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ChargeOffsAsPercentageOfAverageLoansInRepayment",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net charge-offs as a percentage of average loans in repayment",
        "label": "Charge Offs As Percentage Of Average Loans In Repayment",
        "documentation": "Charge offs as percentage of average loans in repayment."
       }
      }
     },
     "auth_ref": []
    },
    "ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year",
        "label": "Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year [Member]"
       }
      }
     },
     "auth_ref": [
      "r1285"
     ]
    },
    "ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested",
        "label": "Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested [Member]"
       }
      }
     },
     "auth_ref": [
      "r1283"
     ]
    },
    "dei_CityAreaCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "CityAreaCode",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "City Area Code",
        "label": "City Area Code",
        "documentation": "Area code of city"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ClassOfStockDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ClassOfStockDomain",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical",
      "http://www.salliemae.com/role/CoverPage",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
      "http://www.salliemae.com/role/StockholdersEquityCommonStockDetails",
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Class of Stock [Domain]",
        "label": "Class of Stock [Domain]",
        "documentation": "Share of stock differentiated by the voting rights the holder receives. Examples include, but are not limited to, common stock, redeemable preferred stock, nonredeemable preferred stock, and convertible stock."
       }
      }
     },
     "auth_ref": [
      "r252",
      "r306",
      "r307",
      "r308",
      "r348",
      "r374",
      "r378",
      "r385",
      "r387",
      "r394",
      "r395",
      "r474",
      "r572",
      "r574",
      "r575",
      "r576",
      "r579",
      "r580",
      "r610",
      "r611",
      "r614",
      "r617",
      "r624",
      "r810",
      "r989",
      "r990",
      "r991",
      "r992",
      "r997",
      "r998",
      "r999",
      "r1000",
      "r1001",
      "r1002",
      "r1003",
      "r1004",
      "r1005",
      "r1006",
      "r1007",
      "r1008",
      "r1030",
      "r1051",
      "r1069",
      "r1106",
      "r1107",
      "r1108",
      "r1109",
      "r1110",
      "r1340",
      "r1375",
      "r1386"
     ]
    },
    "us-gaap_ClassOfStockLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ClassOfStockLineItems",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityCommonStockDetails",
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails",
      "http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Class of Stock [Line Items]",
        "label": "Class of Stock [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r306",
      "r307",
      "r308",
      "r394",
      "r610",
      "r611",
      "r612",
      "r614",
      "r617",
      "r622",
      "r624",
      "r989",
      "r990",
      "r991",
      "r992",
      "r1167",
      "r1340",
      "r1375"
     ]
    },
    "ecd_CoSelectedMeasureAmt": {
     "xbrltype": "decimalItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "CoSelectedMeasureAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Company Selected Measure Amount",
        "label": "Company Selected Measure Amount"
       }
      }
     },
     "auth_ref": [
      "r1289"
     ]
    },
    "ecd_CoSelectedMeasureName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "CoSelectedMeasureName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Company Selected Measure Name",
        "label": "Company Selected Measure Name"
       }
      }
     },
     "auth_ref": [
      "r1289"
     ]
    },
    "us-gaap_CollateralAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CollateralAxis",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Collateral [Axis]",
        "label": "Collateral Held [Axis]",
        "documentation": "Information by category of collateral or no collateral, from lender's perspective."
       }
      }
     },
     "auth_ref": [
      "r1155"
     ]
    },
    "us-gaap_CollateralDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CollateralDomain",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Collateral [Domain]",
        "label": "Collateral Held [Domain]",
        "documentation": "Category of collateral or no collateral, from lender's perspective."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CollateralizedSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CollateralizedSecuritiesMember",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Collateralized Securities",
        "label": "Collateralized Securities [Member]",
        "documentation": "Securities collateralized by other financial instruments or pools of financial instruments."
       }
      }
     },
     "auth_ref": []
    },
    "slm_CombinationOfSubsidiariesTaxYears": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CombinationOfSubsidiariesTaxYears",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Combination of subsidiaries",
        "label": "Combination Of Subsidiaries Tax Years",
        "documentation": "Combination of subsidiaries tax years."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CommitmentsAndContingencies": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CommitmentsAndContingencies",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commitments and contingencies",
        "label": "Commitments and Contingencies",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r114",
      "r188",
      "r935",
      "r1029"
     ]
    },
    "us-gaap_CommitmentsAndContingenciesDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CommitmentsAndContingenciesDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commitments and Contingencies Disclosure [Abstract]",
        "label": "Commitments and Contingencies Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CommitmentsAndContingenciesDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CommitmentsAndContingenciesDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/CommitmentsContingenciesandGuarantees"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commitments, Contingencies and Guarantees",
        "label": "Commitments and Contingencies Disclosure [Text Block]",
        "documentation": "The entire disclosure for commitments and contingencies."
       }
      }
     },
     "auth_ref": [
      "r146",
      "r563",
      "r564",
      "r1117",
      "r1443",
      "r1448"
     ]
    },
    "slm_CommonEquityTierOneRiskBasedCapital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CommonEquityTierOneRiskBasedCapital",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common Equity Tier 1 Capital (to Risk-Weighted Assets)",
        "label": "Common Equity Tier One Risk Based Capital",
        "documentation": "Common Equity Tier One Risk Based Capital"
       }
      }
     },
     "auth_ref": []
    },
    "slm_CommonSharesUnissuedButEncumbered": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CommonSharesUnissuedButEncumbered",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityCommonStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common shares unissued but encumbered (in shares)",
        "label": "Common Shares Unissued But Encumbered",
        "documentation": "Common shares unissued but encumbered."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CommonStockDividendsPerShareCashPaid": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CommonStockDividendsPerShareCashPaid",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityCommonStockDividendsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common stock dividend per common share (in dollars per share)",
        "label": "Common Stock, Dividends, Per Share, Cash Paid",
        "documentation": "Aggregate dividends paid during the period for each share of common stock outstanding."
       }
      }
     },
     "auth_ref": [
      "r152"
     ]
    },
    "us-gaap_CommonStockDividendsPerShareDeclared": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CommonStockDividendsPerShareDeclared",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Declared dividends per common share (in dollars per share)",
        "verboseLabel": "Common stock dividend (in dollars per share)",
        "label": "Common Stock, Dividends, Per Share, Declared",
        "documentation": "Aggregate dividends declared during the period for each share of common stock outstanding."
       }
      }
     },
     "auth_ref": [
      "r152"
     ]
    },
    "us-gaap_CommonStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CommonStockMember",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/StockholdersEquityCommonStockDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common Stock",
        "label": "Common Stock [Member]",
        "documentation": "Stock that is subordinate to all other stock of the issuer."
       }
      }
     },
     "auth_ref": [
      "r1211",
      "r1212",
      "r1213",
      "r1215",
      "r1216",
      "r1217",
      "r1220",
      "r1382",
      "r1383",
      "r1385",
      "r1564",
      "r1637",
      "r1643"
     ]
    },
    "us-gaap_CommonStockParOrStatedValuePerShare": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CommonStockParOrStatedValuePerShare",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
      "http://www.salliemae.com/role/StockholdersEquityCommonStockDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common stock, par value (in dollars per share)",
        "label": "Common Stock, Par or Stated Value Per Share",
        "documentation": "Face amount or stated value per share of common stock."
       }
      }
     },
     "auth_ref": [
      "r119"
     ]
    },
    "slm_CommonStockParValue20PerShareMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CommonStockParValue20PerShareMember",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common stock, par value $.20 per share",
        "label": "Common stock, par value $.20 per share [Member]",
        "documentation": "Common stock, par value $.20 per share"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CommonStockSharesAuthorized": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CommonStockSharesAuthorized",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
      "http://www.salliemae.com/role/StockholdersEquityCommonStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common stock, shares authorized (in shares)",
        "label": "Common Stock, Shares Authorized",
        "documentation": "The maximum number of common shares permitted to be issued by an entity's charter and bylaws."
       }
      }
     },
     "auth_ref": [
      "r119",
      "r1030"
     ]
    },
    "us-gaap_CommonStockSharesIssued": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CommonStockSharesIssued",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
      "http://www.salliemae.com/role/StockholdersEquityCommonStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common stock, shares issued (in shares)",
        "label": "Common Stock, Shares, Issued",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r119"
     ]
    },
    "us-gaap_CommonStockSharesOutstanding": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CommonStockSharesOutstanding",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/StockholdersEquityCommonStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Beginning balance (in shares)",
        "periodEndLabel": "Ending balance (in shares)",
        "terseLabel": "Common stock shares outstanding (in shares)",
        "label": "Common Stock, Shares, Outstanding",
        "documentation": "Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation."
       }
      }
     },
     "auth_ref": [
      "r14",
      "r119",
      "r1030",
      "r1048",
      "r1643",
      "r1644"
     ]
    },
    "us-gaap_CommonStockValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CommonStockValue",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common stock, par value $0.20 per share, 1.125 billion shares authorized: 440.6 million and 438.2 million shares issued, respectively",
        "verboseLabel": "Common stock, par value $0.20 per share, 1.125 billion shares authorized: 440.6 million and 438.2 million shares issued, respectively",
        "label": "Common Stock, Value, Issued",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r119",
      "r938",
      "r1196"
     ]
    },
    "ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "CompActuallyPaidVsCoSelectedMeasureTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation Actually Paid vs. Company Selected Measure",
        "label": "Compensation Actually Paid vs. Company Selected Measure [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1294"
     ]
    },
    "ecd_CompActuallyPaidVsNetIncomeTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "CompActuallyPaidVsNetIncomeTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation Actually Paid vs. Net Income",
        "label": "Compensation Actually Paid vs. Net Income [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1293"
     ]
    },
    "ecd_CompActuallyPaidVsOtherMeasureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "CompActuallyPaidVsOtherMeasureTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation Actually Paid vs. Other Measure",
        "label": "Compensation Actually Paid vs. Other Measure [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1295"
     ]
    },
    "ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "CompActuallyPaidVsTotalShareholderRtnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation Actually Paid vs. Total Shareholder Return",
        "label": "Compensation Actually Paid vs. Total Shareholder Return [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1292"
     ]
    },
    "us-gaap_CompensationAndEmployeeBenefitPlansTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CompensationAndEmployeeBenefitPlansTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/DefinedContributionPlans"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Contribution Plans",
        "label": "Compensation and Employee Benefit Plans [Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r153",
      "r154",
      "r155",
      "r156"
     ]
    },
    "us-gaap_CompensationAndRetirementDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CompensationAndRetirementDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Retirement Benefits [Abstract]",
        "label": "Retirement Benefits [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CompensationRelatedCostsPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CompensationRelatedCostsPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock-Based Compensation",
        "label": "Compensation Related Costs, Policy [Policy Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r157",
      "r160"
     ]
    },
    "us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails",
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]",
        "label": "Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1599",
      "r1600"
     ]
    },
    "us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total comprehensive income",
        "terseLabel": "Total comprehensive income",
        "label": "Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r78",
      "r169",
      "r325",
      "r327",
      "r333",
      "r914",
      "r950"
     ]
    },
    "us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other comprehensive income:",
        "label": "Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ConcentrationRiskDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ConcentrationRiskDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/ConcentrationsofRisk"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Concentrations of Risk",
        "label": "Concentration Risk Disclosure [Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r143"
     ]
    },
    "srt_CondensedBalanceSheetStatementTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "CondensedBalanceSheetStatementTable",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Balance Sheet Statement [Table]",
        "label": "Condensed Balance Sheet Statement [Table]",
        "documentation": "Disclosure of information about condensed balance sheet, including, but not limited to, balance sheets of consolidated entities and consolidation eliminations."
       }
      }
     },
     "auth_ref": [
      "r263",
      "r351",
      "r1342"
     ]
    },
    "srt_CondensedBalanceSheetStatementsCaptionsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "CondensedBalanceSheetStatementsCaptionsLineItems",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Balance Sheet Statements, Captions [Line Items]",
        "label": "Condensed Balance Sheet Statements, Captions [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r263",
      "r351",
      "r1342"
     ]
    },
    "srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Financial Information Disclosure [Abstract]",
        "label": "Condensed Financial Information Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Parent Only Statements",
        "label": "Condensed Financial Information of Parent Company Only Disclosure [Text Block]",
        "documentation": "The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document."
       }
      }
     },
     "auth_ref": [
      "r351",
      "r1342"
     ]
    },
    "srt_CondensedFinancialStatementsCaptionsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "CondensedFinancialStatementsCaptionsLineItems",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Financial Statements, Captions [Line Items]",
        "label": "Condensed Financial Statements, Captions [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r263",
      "r284",
      "r285",
      "r286",
      "r351",
      "r1342"
     ]
    },
    "srt_CondensedIncomeStatementTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "CondensedIncomeStatementTable",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Income Statement [Table]",
        "label": "Condensed Income Statement [Table]",
        "documentation": "Disclosure of information about condensed income statement including, but not limited to, income statements of consolidated entities and consolidation eliminations."
       }
      }
     },
     "auth_ref": [
      "r263",
      "r351",
      "r1342"
     ]
    },
    "srt_CondensedIncomeStatementsCaptionsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "CondensedIncomeStatementsCaptionsLineItems",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Income Statements, Captions [Line Items]",
        "label": "Condensed Income Statements, Captions [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r263",
      "r351",
      "r1342"
     ]
    },
    "srt_ConsolidatedEntitiesAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "ConsolidatedEntitiesAxis",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Consolidated Entities [Axis]",
        "label": "Consolidated Entities [Axis]",
        "documentation": "Information by consolidated entity or group of entities."
       }
      }
     },
     "auth_ref": [
      "r263",
      "r277",
      "r351",
      "r742",
      "r743",
      "r747",
      "r748",
      "r834",
      "r1122",
      "r1357",
      "r1358",
      "r1359",
      "r1450",
      "r1453",
      "r1454"
     ]
    },
    "srt_ConsolidatedEntitiesDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "ConsolidatedEntitiesDomain",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Consolidated Entities [Domain]",
        "label": "Consolidated Entities [Domain]",
        "documentation": "Entity or group of entities consolidated into reporting entity."
       }
      }
     },
     "auth_ref": [
      "r263",
      "r277",
      "r351",
      "r742",
      "r743",
      "r747",
      "r748",
      "r834",
      "r1122",
      "r1357",
      "r1358",
      "r1359",
      "r1450",
      "r1453",
      "r1454"
     ]
    },
    "us-gaap_ConsolidationPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ConsolidationPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Consolidation",
        "label": "Consolidation, Policy [Policy Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r71",
      "r1138"
     ]
    },
    "slm_ConstantPrepaymentFeeVariableRate": {
     "xbrltype": "pureItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ConstantPrepaymentFeeVariableRate",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Basis points",
        "label": "Constant Prepayment Fee, Variable Rate",
        "documentation": "Constant Prepayment Fee, Variable Rate"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ConsumerPortfolioSegmentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ConsumerPortfolioSegmentMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Consumer Portfolio Segment",
        "label": "Consumer Portfolio Segment [Member]",
        "documentation": "Portfolio segment of the company's total financing receivables related to consumer receivables."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ContractualInterestRateReductionMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ContractualInterestRateReductionMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest Rate Reduction",
        "label": "Contractual Interest Rate Reduction [Member]",
        "documentation": "Loan modification for a reduction of contractual interest rate."
       }
      }
     },
     "auth_ref": [
      "r435",
      "r436",
      "r438",
      "r1151"
     ]
    },
    "us-gaap_ContractualObligation": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ContractualObligation",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/CommitmentsContingenciesandGuaranteesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Contractual obligation",
        "label": "Contractual Obligation",
        "documentation": "Amount of contractual obligation, including, but not limited to, long-term debt, lease obligation, purchase obligation, and other commitments."
       }
      }
     },
     "auth_ref": [
      "r1380"
     ]
    },
    "slm_CosignerMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CosignerMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "With and without cosigners",
        "label": "Cosigner [Member]",
        "documentation": "Cosigner credit quality indicators that are developed and used internally by the company."
       }
      }
     },
     "auth_ref": []
    },
    "dei_CoverAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "CoverAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cover page.",
        "label": "Cover [Abstract]",
        "documentation": "Cover page."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CreditCardMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CreditCardMember",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Credit Card",
        "label": "Credit Card [Member]",
        "documentation": "Card issued to user to facilitate payment for purchase of product and service, paid directly to merchant by card issuer, and later paid by cardholder to card issuer."
       }
      }
     },
     "auth_ref": [
      "r1461"
     ]
    },
    "slm_CreditCardsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CreditCardsMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Credit Cards",
        "label": "Credit Cards [Member]",
        "documentation": "Credit Cards [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CreditLossFinancialInstrumentPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CreditLossFinancialInstrumentPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance for Credit Losses",
        "label": "Credit Loss, Financial Instrument [Policy Text Block]",
        "documentation": "Disclosure of accounting policy 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. Includes, but is not limited to, methodology used to estimate allowance for credit loss, how writeoff of uncollectible amount is recognized, and determination of past due status and nonaccrual status."
       }
      }
     },
     "auth_ref": [
      "r486",
      "r487",
      "r488",
      "r490",
      "r491",
      "r497",
      "r500",
      "r501",
      "r503",
      "r504",
      "r508",
      "r509",
      "r510",
      "r511",
      "r513",
      "r514",
      "r515",
      "r521"
     ]
    },
    "slm_CreditQualityIndicatorsAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CreditQualityIndicatorsAxis",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Credit Quality Indicators [Axis]",
        "label": "Credit Quality Indicators [Axis]",
        "documentation": "Credit Quality Indicators [Axis]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_CreditQualityIndicatorsDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CreditQualityIndicatorsDomain",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Credit Quality Indicators [Domain]",
        "label": "Credit Quality Indicators [Domain]",
        "documentation": "Credit Quality Indicators [Domain]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CreditScoreFicoAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CreditScoreFicoAxis",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Credit Score, FICO [Axis]",
        "label": "Credit Score, FICO [Axis]",
        "documentation": "Information by credit scores as defined by Fair Isaac Corporation (FICO), for example, but not limited to, greater than 740."
       }
      }
     },
     "auth_ref": [
      "r1156",
      "r1422"
     ]
    },
    "us-gaap_CreditScoreFicoDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CreditScoreFicoDomain",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Credit Score, FICO [Domain]",
        "label": "Credit Score, FICO [Domain]",
        "documentation": "Credit rating as defined by Fair Isaac Corporation (FICO), for example, but not limited to, greater than 740. Element name and standard label in FICO Score [numeric lower end] to [numeric higher end] [Member] format for ranges. Element name and standard label in FICO Score Greater Than [low end numeric value] [Member] or FICO Score Less Than [high end numeric value] [Member] formats for greater than or less than disclosures."
       }
      }
     },
     "auth_ref": []
    },
    "slm_CriteriaForLoansToBeConsideredAsNonperforming": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CriteriaForLoansToBeConsideredAsNonperforming",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Criteria for loans to be considered as nonperforming (greater than)",
        "label": "Criteria For Loans To Be Considered As Nonperforming",
        "documentation": "Criteria for loans to be considered as nonperforming."
       }
      }
     },
     "auth_ref": []
    },
    "slm_CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cumulative Effect, Period Of Adoption, Adjusted Phase-In Amounts Remaining",
        "label": "Cumulative Effect, Period Of Adoption, Adjusted Phase-In Amounts Remaining [Member]",
        "documentation": "Cumulative Effect, Period Of Adoption, Adjusted Phase-In Amounts Remaining"
       }
      }
     },
     "auth_ref": []
    },
    "srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "CumulativeEffectPeriodOfAdoptionAdjustmentMember",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustments",
        "label": "Cumulative Effect, Period of Adoption, Adjustment [Member]",
        "documentation": "Increase (decrease) to financial statements for cumulative-effect adjustment in period of adoption of amendment to accounting standards."
       }
      }
     },
     "auth_ref": [
      "r287",
      "r292",
      "r355",
      "r362",
      "r369",
      "r479",
      "r485",
      "r550",
      "r707",
      "r708",
      "r726",
      "r728",
      "r760",
      "r762",
      "r763",
      "r765",
      "r766",
      "r767",
      "r773",
      "r776",
      "r778",
      "r779",
      "r831"
     ]
    },
    "srt_CumulativeEffectPeriodOfAdoptionAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "CumulativeEffectPeriodOfAdoptionAxis",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cumulative Effect, Period of Adoption [Axis]",
        "label": "Cumulative Effect, Period of Adoption [Axis]",
        "documentation": "Information by cumulative-effect adjustment to financial statements in period of adoption of amendment to accounting standards."
       }
      }
     },
     "auth_ref": [
      "r287",
      "r292",
      "r355",
      "r362",
      "r369",
      "r479",
      "r485",
      "r550",
      "r707",
      "r708",
      "r726",
      "r728",
      "r760",
      "r762",
      "r763",
      "r765",
      "r766",
      "r767",
      "r773",
      "r776",
      "r778",
      "r779",
      "r831"
     ]
    },
    "srt_CumulativeEffectPeriodOfAdoptionDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "CumulativeEffectPeriodOfAdoptionDomain",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cumulative Effect, Period of Adoption [Domain]",
        "label": "Cumulative Effect, Period of Adoption [Domain]",
        "documentation": "Cumulative-effect adjustment to financial statements in period of adoption of amendment to accounting standards."
       }
      }
     },
     "auth_ref": [
      "r287",
      "r292",
      "r355",
      "r362",
      "r369",
      "r479",
      "r485",
      "r550",
      "r707",
      "r708",
      "r726",
      "r728",
      "r760",
      "r762",
      "r763",
      "r765",
      "r766",
      "r767",
      "r773",
      "r776",
      "r778",
      "r779",
      "r831"
     ]
    },
    "us-gaap_CurrentFederalTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CurrentFederalTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails": {
       "parentTag": "us-gaap_CurrentIncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal",
        "label": "Current Federal Tax Expense (Benefit)",
        "documentation": "Amount of current federal tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, current national tax expense (benefit) for non-US (United States of America) jurisdiction."
       }
      }
     },
     "auth_ref": [
      "r1344",
      "r1378",
      "r1559"
     ]
    },
    "dei_CurrentFiscalYearEndDate": {
     "xbrltype": "gMonthDayItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "CurrentFiscalYearEndDate",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Current Fiscal Year End Date",
        "label": "Current Fiscal Year End Date",
        "documentation": "End date of current fiscal year in the format --MM-DD."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CurrentIncomeTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CurrentIncomeTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total current provision (benefit)",
        "label": "Current Income Tax Expense (Benefit)",
        "documentation": "Amount of current income tax expense (benefit) pertaining to taxable income (loss) from continuing operations."
       }
      }
     },
     "auth_ref": [
      "r706",
      "r1378"
     ]
    },
    "us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Current provision (benefit):",
        "label": "Current Income Tax Expense (Benefit), Continuing Operations [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CurrentStateAndLocalTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CurrentStateAndLocalTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails": {
       "parentTag": "us-gaap_CurrentIncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "State",
        "label": "Current State and Local Tax Expense (Benefit)",
        "documentation": "Amount of current state and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, current regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction."
       }
      }
     },
     "auth_ref": [
      "r1344",
      "r1378",
      "r1559"
     ]
    },
    "us-gaap_CustomerRelationshipsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "CustomerRelationshipsMember",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Customer relationships",
        "label": "Customer Relationships [Member]",
        "documentation": "Customer relationship that exists between an entity and its customer, for example, but not limited to, tenant relationships."
       }
      }
     },
     "auth_ref": [
      "r68",
      "r1430",
      "r1431",
      "r1432",
      "r1433",
      "r1435",
      "r1437",
      "r1439",
      "r1440"
     ]
    },
    "cyd_CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1240",
      "r1329"
     ]
    },
    "cyd_CybersecurityRiskBoardOfDirectorsOversightTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskBoardOfDirectorsOversightTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Board of Directors Oversight [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1240",
      "r1329"
     ]
    },
    "cyd_CybersecurityRiskManagementExpertiseOfManagementResponsibleTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskManagementExpertiseOfManagementResponsibleTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Management Expertise of Management Responsible [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1242",
      "r1331"
     ]
    },
    "cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskManagementPositionsOrCommitteesResponsibleFlag",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Management Positions or Committees Responsible [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1242",
      "r1331"
     ]
    },
    "cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleReportToBoardFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskManagementPositionsOrCommitteesResponsibleReportToBoardFlag",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1244",
      "r1333"
     ]
    },
    "cyd_CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Management Positions or Committees Responsible [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1242",
      "r1331"
     ]
    },
    "cyd_CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1235",
      "r1324"
     ]
    },
    "cyd_CybersecurityRiskManagementProcessesIntegratedFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskManagementProcessesIntegratedFlag",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Management Processes Integrated [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1236",
      "r1325"
     ]
    },
    "cyd_CybersecurityRiskManagementProcessesIntegratedTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskManagementProcessesIntegratedTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Management Processes Integrated [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1236",
      "r1325"
     ]
    },
    "cyd_CybersecurityRiskManagementStrategyAndGovernanceAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskManagementStrategyAndGovernanceAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Management, Strategy, and Governance [Abstract]"
       }
      }
     },
     "auth_ref": [
      "r1234",
      "r1323"
     ]
    },
    "cyd_CybersecurityRiskManagementStrategyAndGovernanceLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskManagementStrategyAndGovernanceLineItems",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Management, Strategy, and Governance [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1234",
      "r1323"
     ]
    },
    "cyd_CybersecurityRiskManagementStrategyAndGovernanceTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskManagementStrategyAndGovernanceTable",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Management, Strategy, and Governance [Table]"
       }
      }
     },
     "auth_ref": [
      "r1234",
      "r1323"
     ]
    },
    "cyd_CybersecurityRiskManagementThirdPartyEngagedFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskManagementThirdPartyEngagedFlag",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Management Third Party Engaged [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1237",
      "r1326"
     ]
    },
    "cyd_CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantFlag",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1239",
      "r1328"
     ]
    },
    "cyd_CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1239",
      "r1328"
     ]
    },
    "cyd_CybersecurityRiskProcessForInformingBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskProcessForInformingBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1240",
      "r1329"
     ]
    },
    "cyd_CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1243",
      "r1332"
     ]
    },
    "cyd_CybersecurityRiskRoleOfManagementTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskRoleOfManagementTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Role of Management [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1241",
      "r1330"
     ]
    },
    "cyd_CybersecurityRiskThirdPartyOversightAndIdentificationProcessesFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/cyd/2024",
     "localname": "CybersecurityRiskThirdPartyOversightAndIdentificationProcessesFlag",
     "presentation": [
      "http://xbrl.sec.gov/cyd/role/CybersecurityRiskManagementAndStrategyDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1238",
      "r1327"
     ]
    },
    "us-gaap_DebtDefaultLongtermDebtAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtDefaultLongtermDebtAbstract",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Secured borrowings:",
        "label": "Debt Instrument, Debt Default [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DebtDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Disclosure [Abstract]",
        "label": "Debt Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DebtDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/Borrowings"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Borrowings",
        "label": "Debt Disclosure [Text Block]",
        "documentation": "The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants."
       }
      }
     },
     "auth_ref": [
      "r147",
      "r346",
      "r553",
      "r554",
      "r555",
      "r556",
      "r557",
      "r570",
      "r571",
      "r581",
      "r587",
      "r588",
      "r589",
      "r590",
      "r591",
      "r592",
      "r597",
      "r604",
      "r605",
      "r607",
      "r821"
     ]
    },
    "us-gaap_DebtInstrumentAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtInstrumentAxis",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails",
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Instrument [Axis]",
        "label": "Debt Instrument [Axis]",
        "documentation": "Information by type of debt instrument, including, but not limited to, draws against credit facilities."
       }
      }
     },
     "auth_ref": [
      "r26",
      "r107",
      "r108",
      "r183",
      "r187",
      "r351",
      "r582",
      "r583",
      "r584",
      "r585",
      "r586",
      "r588",
      "r593",
      "r594",
      "r595",
      "r596",
      "r598",
      "r599",
      "r600",
      "r601",
      "r602",
      "r603",
      "r1162",
      "r1163",
      "r1164",
      "r1165",
      "r1166",
      "r1195",
      "r1376",
      "r1444",
      "r1445",
      "r1446",
      "r1586",
      "r1588"
     ]
    },
    "us-gaap_DebtInstrumentFaceAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtInstrumentFaceAmount",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Notes Issued",
        "verboseLabel": "Debt instrument, face amount",
        "label": "Debt Instrument, Face Amount",
        "documentation": "Face (par) amount of debt instrument at time of issuance."
       }
      }
     },
     "auth_ref": [
      "r582",
      "r821",
      "r822",
      "r1163",
      "r1164",
      "r1195"
     ]
    },
    "slm_DebtInstrumentFaceAmountAfterAdjustments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DebtInstrumentFaceAmountAfterAdjustments",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total principal amount, after adjustments",
        "label": "Debt Instrument, Face Amount, After Adjustments",
        "documentation": "Debt Instrument, Face Amount, After Adjustments"
       }
      }
     },
     "auth_ref": []
    },
    "slm_DebtInstrumentFaceAmountMaturityToCallDate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DebtInstrumentFaceAmountMaturityToCallDate",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails": {
       "parentTag": "slm_DebtInstrumentFaceAmountAfterAdjustments",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total principal amount, maturity to call date",
        "label": "Debt Instrument, Face Amount, Maturity To Call Date",
        "documentation": "Debt Instrument, Face Amount, Maturity To Call Date"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DebtInstrumentInterestRateStatedPercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtInstrumentInterestRateStatedPercentage",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest rate",
        "label": "Debt Instrument, Interest Rate, Stated Percentage",
        "documentation": "Contractual interest rate for funds borrowed, under the debt agreement."
       }
      }
     },
     "auth_ref": [
      "r110",
      "r583"
     ]
    },
    "slm_DebtInstrumentIssuancePricePercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DebtInstrumentIssuancePricePercentage",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Issuance price",
        "label": "Debt Instrument, Issuance Price, Percentage",
        "documentation": "Debt Instrument, Issuance Price, Percentage"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DebtInstrumentLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtInstrumentLineItems",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails",
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Instrument [Line Items]",
        "label": "Debt Instrument [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r351",
      "r582",
      "r583",
      "r584",
      "r585",
      "r586",
      "r588",
      "r593",
      "r594",
      "r595",
      "r596",
      "r598",
      "r599",
      "r600",
      "r601",
      "r602",
      "r603",
      "r606",
      "r1162",
      "r1163",
      "r1164",
      "r1165",
      "r1166",
      "r1195",
      "r1376",
      "r1586",
      "r1588"
     ]
    },
    "slm_DebtInstrumentLoansTransferred": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DebtInstrumentLoansTransferred",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans Transferred to the Trust",
        "label": "Debt Instrument, Loans Transferred",
        "documentation": "Debt Instrument, Loans Transferred"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DebtInstrumentNameDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtInstrumentNameDomain",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails",
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Instrument, Name [Domain]",
        "label": "Debt Instrument, Name [Domain]",
        "documentation": "The name for the particular debt instrument or borrowing that distinguishes it from other debt instruments or borrowings, including draws against credit facilities."
       }
      }
     },
     "auth_ref": [
      "r26",
      "r351",
      "r582",
      "r583",
      "r584",
      "r585",
      "r586",
      "r588",
      "r593",
      "r594",
      "r595",
      "r596",
      "r598",
      "r599",
      "r600",
      "r601",
      "r602",
      "r603",
      "r1162",
      "r1163",
      "r1164",
      "r1165",
      "r1166",
      "r1195",
      "r1376",
      "r1444",
      "r1445",
      "r1446",
      "r1586",
      "r1588"
     ]
    },
    "us-gaap_DebtInstrumentRedemptionPricePercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtInstrumentRedemptionPricePercentage",
     "presentation": [
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Redemption price",
        "label": "Debt Instrument, Redemption Price, Percentage",
        "documentation": "Percentage price of original principal amount of debt at which debt can be redeemed by the issuer."
       }
      }
     },
     "auth_ref": [
      "r207"
     ]
    },
    "us-gaap_DebtInstrumentTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtInstrumentTable",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails",
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Long-term Debt Instruments [Table]",
        "label": "Schedule of Long-Term Debt Instruments [Table]",
        "documentation": "Disclosure of information about long-term debt instrument or arrangement."
       }
      }
     },
     "auth_ref": [
      "r26",
      "r52",
      "r55",
      "r103",
      "r150",
      "r151",
      "r351",
      "r582",
      "r583",
      "r584",
      "r585",
      "r586",
      "r588",
      "r593",
      "r594",
      "r595",
      "r596",
      "r598",
      "r599",
      "r600",
      "r601",
      "r602",
      "r603",
      "r606",
      "r1162",
      "r1163",
      "r1164",
      "r1165",
      "r1166",
      "r1195",
      "r1376",
      "r1586",
      "r1588"
     ]
    },
    "slm_DebtInstrumentWeightedAverageLife": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DebtInstrumentWeightedAverageLife",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average Life of Class A and Class B Notes (in years)",
        "label": "Debt Instrument, Weighted Average Life",
        "documentation": "Debt Instrument, Weighted Average Life"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DebtInstrumentsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtInstrumentsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Outstanding",
        "label": "Debt Instruments [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DebtLongtermAndShorttermCombinedAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtLongtermAndShorttermCombinedAmount",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total",
        "label": "Debt, Long-Term and Short-Term, Combined Amount",
        "documentation": "Represents the aggregate of total long-term debt, including current maturities and short-term debt."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleAllowanceForCreditLoss",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance for credit losses",
        "label": "Debt Securities, Available-for-Sale, Allowance for Credit Loss",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r446",
      "r512",
      "r523",
      "r524"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Estimated Fair Value",
        "label": "Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r234",
      "r520",
      "r1159"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Gross Unrealized Losses",
        "label": "Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r234",
      "r520"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Estimated Fair Value",
        "label": "Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r234",
      "r520",
      "r1159"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Gross Unrealized Losses",
        "label": "Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r234",
      "r520"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput": {
     "xbrltype": "decimalItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleMeasurementInput",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Securities",
        "label": "Debt Securities, Available-for-Sale, Measurement Input",
        "documentation": "Value of input used to measure investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r784",
      "r785",
      "r786",
      "r1188"
     ]
    },
    "slm_DebtSecuritiesAvailableForSaleNumberOfPositions": {
     "xbrltype": "integerItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DebtSecuritiesAvailableForSaleNumberOfPositions",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of mortgage-backed securities",
        "label": "Debt Securities, Available-for-sale, Number of Positions",
        "documentation": "Debt Securities, Available-for-sale, Number of Positions"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DebtSecuritiesAvailableForSaleRealizedGain": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleRealizedGain",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gain on Sale for Additional Loans Transferred by Bank",
        "label": "Debt Securities, Available-for-Sale, Realized Gain",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r473"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleTable",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails",
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails",
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails",
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Securities, Available-for-sale [Table]",
        "label": "Debt Securities, Available-for-Sale [Table]",
        "documentation": "Disclosure of information about investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r443",
      "r444",
      "r445",
      "r446",
      "r447",
      "r448",
      "r449",
      "r450",
      "r451",
      "r452",
      "r453",
      "r454"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedGainLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleUnrealizedGainLoss",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unrealized gain (loss)",
        "label": "Debt Securities, Available-for-Sale, Unrealized Gain (Loss)",
        "documentation": "Amount 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)."
       }
      }
     },
     "auth_ref": [
      "r1408",
      "r1409"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleUnrealizedLossPosition",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Estimated Fair Value",
        "label": "Debt Securities, Available-for-Sale, Unrealized Loss Position",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r231",
      "r517",
      "r1159"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTotalLabel": "Gross Unrealized Losses",
        "label": "Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r232",
      "r518"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Available-for-Sale Securities, Continuous Unrealized Loss Position, Fair Value",
        "label": "Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r230",
      "r1159",
      "r1423"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions": {
     "xbrltype": "integerItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of government sponsored securities with unrealized losses",
        "label": "Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r233",
      "r519"
     ]
    },
    "us-gaap_DebtSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Available For Sale - Debt Securities",
        "label": "Debt Securities [Member]",
        "documentation": "Debt instrument issued by corporations, governments and governmental agencies, municipalities, and other institutions."
       }
      }
     },
     "auth_ref": [
      "r44",
      "r1213",
      "r1646"
     ]
    },
    "us-gaap_DebtSecuritiesTradingMeasurementInput": {
     "xbrltype": "decimalItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DebtSecuritiesTradingMeasurementInput",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement input",
        "label": "Debt Securities, Trading, Measurement Input",
        "documentation": "Value of input used to measure investment in debt security measured at fair value with change in fair value recognized in net income (trading)."
       }
      }
     },
     "auth_ref": [
      "r784",
      "r785",
      "r786"
     ]
    },
    "us-gaap_DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Possible decrease in uncertain tax position",
        "label": "Decrease in Unrecognized Tax Benefits is Reasonably Possible",
        "documentation": "Amount of decrease reasonably possible in the next twelve months for the unrecognized tax benefit."
       }
      }
     },
     "auth_ref": [
      "r236"
     ]
    },
    "slm_DecreaseIncreaseInInvestmentsInSubsidiariesNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DecreaseIncreaseInInvestmentsInSubsidiariesNet",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "(Increase) decrease in investment in subsidiaries, net",
        "label": "Decrease (Increase) in Investments in Subsidiaries, Net",
        "documentation": "Decrease (Increase) in Investments in Subsidiaries, Net"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DeferredFederalIncomeTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredFederalIncomeTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal",
        "label": "Deferred Federal Income Tax Expense (Benefit)",
        "documentation": "Amount of deferred federal tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, deferred national tax expense (benefit) for non-US (United States of America) jurisdiction."
       }
      }
     },
     "auth_ref": [
      "r1378",
      "r1558",
      "r1559"
     ]
    },
    "us-gaap_DeferredIncomeTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredIncomeTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 22.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deferred tax provision (benefit)",
        "totalLabel": "Total deferred provision (benefit)",
        "label": "Deferred Income Tax Expense (Benefit)",
        "documentation": "Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations."
       }
      }
     },
     "auth_ref": [
      "r7",
      "r250",
      "r1378"
     ]
    },
    "us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deferred provision (benefit):",
        "label": "Deferred Income Tax Expense (Benefit), Continuing Operations [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DeferredIncomeTaxLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredIncomeTaxLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsLiabilitiesNet",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total deferred tax liabilities",
        "label": "Deferred Tax Liabilities, Gross",
        "documentation": "Amount of deferred tax liability attributable to taxable temporary differences."
       }
      }
     },
     "auth_ref": [
      "r115",
      "r116",
      "r185",
      "r702"
     ]
    },
    "us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredStateAndLocalIncomeTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "State",
        "label": "Deferred State and Local Income Tax Expense (Benefit)",
        "documentation": "Amount of deferred state and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, deferred regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction."
       }
      }
     },
     "auth_ref": [
      "r1378",
      "r1558",
      "r1559"
     ]
    },
    "us-gaap_DeferredTaxAssetsGoodwillAndIntangibleAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxAssetsGoodwillAndIntangibleAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsNet",
       "weight": 1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Acquired intangible assets",
        "label": "Deferred Tax Assets, Goodwill and Intangible Assets",
        "documentation": "Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from intangible assets including goodwill."
       }
      }
     },
     "auth_ref": [
      "r1556"
     ]
    },
    "us-gaap_DeferredTaxAssetsInProcessResearchAndDevelopment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxAssetsInProcessResearchAndDevelopment",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsNet",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Research and development costs",
        "label": "Deferred Tax Asset, In-Process Research and Development",
        "documentation": "Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from in-process research and development cost acquired in business combination or from joint venture formation or both."
       }
      }
     },
     "auth_ref": [
      "r1556"
     ]
    },
    "us-gaap_DeferredTaxAssetsLiabilitiesNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxAssetsLiabilitiesNet",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails",
      "http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails",
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deferred tax asset",
        "totalLabel": "Net deferred tax assets",
        "label": "Deferred Tax Assets, Net",
        "documentation": "Amount, after allocation of valuation allowances and deferred tax liability, of deferred tax asset attributable to deductible differences and carryforwards, without jurisdictional netting."
       }
      }
     },
     "auth_ref": [
      "r1552"
     ]
    },
    "us-gaap_DeferredTaxAssetsNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxAssetsNet",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsLiabilitiesNet",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total deferred tax assets",
        "label": "Deferred Tax Assets, Net of Valuation Allowance",
        "documentation": "Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards."
       }
      }
     },
     "auth_ref": [
      "r1552"
     ]
    },
    "us-gaap_DeferredTaxAssetsNetAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxAssetsNetAbstract",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deferred tax assets:",
        "label": "Deferred Tax Assets, Net [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DeferredTaxAssetsOperatingLossCarryforwards": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxAssetsOperatingLossCarryforwards",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsNet",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Operating loss carryovers",
        "label": "Deferred Tax Assets, Operating Loss Carryforwards",
        "documentation": "Amount before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss carryforwards."
       }
      }
     },
     "auth_ref": [
      "r1556"
     ]
    },
    "slm_DeferredTaxAssetsOtherIncludingValuationAllowance": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DeferredTaxAssetsOtherIncludingValuationAllowance",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsNet",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other",
        "label": "Deferred Tax Assets Other Including Valuation Allowance",
        "documentation": "Deferred tax assets other including valuation allowance."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsNet",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock-based compensation plans",
        "label": "Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Share-Based Compensation Cost",
        "documentation": "Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from share-based compensation."
       }
      }
     },
     "auth_ref": [
      "r1556"
     ]
    },
    "us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsNet",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accrued expenses not currently deductible",
        "label": "Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Accrued Liabilities",
        "documentation": "Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from accrued liabilities."
       }
      }
     },
     "auth_ref": [
      "r1556"
     ]
    },
    "us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsNet",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan reserves",
        "label": "Deferred Tax Asset, Tax Deferred Expense, Reserve and Accrual, Financing Receivable, Allowance for Credit Loss",
        "documentation": "Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from allowance for credit loss on financing receivable."
       }
      }
     },
     "auth_ref": [
      "r1556"
     ]
    },
    "slm_DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsNet",
       "weight": 1.0,
       "order": 9.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unrecorded tax benefits",
        "label": "Deferred Tax Assets, Tax Deferred Expenses, Reserves and Accruals, Unrecorded Tax Benefits",
        "documentation": "Deferred Tax Assets, Tax Deferred Expenses, Reserves and Accruals, Unrecorded Tax Benefits"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DeferredTaxAssetsUnrealizedLossesOnTradingSecurities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxAssetsUnrealizedLossesOnTradingSecurities",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsNet",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net unrealized losses",
        "label": "Deferred Tax Asset, Debt Securities, Trading, Unrealized Loss",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r1556"
     ]
    },
    "us-gaap_DeferredTaxLiabilitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxLiabilitiesAbstract",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deferred tax liabilities:",
        "label": "Deferred Tax Liabilities, Gross [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_DeferredTaxLiabilitiesFederalDeferredforStateReceivable": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DeferredTaxLiabilitiesFederalDeferredforStateReceivable",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal deferred for state receivable",
        "label": "Deferred Tax Liabilities, Federal Deferred for State Receivable",
        "documentation": "Deferred Tax Liabilities, Federal Deferred for State Receivable"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DeferredTaxLiabilitiesOther": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxLiabilitiesOther",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other",
        "label": "Deferred Tax Liabilities, Other",
        "documentation": "Amount of deferred tax liability attributable to taxable temporary differences classified as other."
       }
      }
     },
     "auth_ref": [
      "r1556"
     ]
    },
    "us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DeferredTaxLiabilitiesPropertyPlantAndEquipment",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fixed assets",
        "label": "Deferred Tax Liabilities, Property, Plant and Equipment",
        "documentation": "Amount of deferred tax liability attributable to taxable temporary differences from property, plant, and equipment."
       }
      }
     },
     "auth_ref": [
      "r1556"
     ]
    },
    "slm_DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Student loan premiums and discounts, net",
        "label": "Deferred Tax Liabilities, Student Loan Premiums and Discounts, Net",
        "documentation": "Deferred Tax Liabilities, Student Loan Premiums and Discounts, Net"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedContributionPlanDisclosureLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DefinedContributionPlanDisclosureLineItems",
     "presentation": [
      "http://www.salliemae.com/role/DefinedContributionPlansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Contribution Plan Disclosure [Line Items]",
        "label": "Defined Contribution Plan Disclosure [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r633"
     ]
    },
    "us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DefinedContributionPlanEmployerDiscretionaryContributionAmount",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/DefinedContributionPlansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Employer contribution amount",
        "label": "Defined Contribution Plan, Employer Discretionary Contribution Amount",
        "documentation": "Amount of discretionary contributions made by an employer to a defined contribution plan."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DefinedContributionPlanEmployerMatchingContributionPercent",
     "presentation": [
      "http://www.salliemae.com/role/DefinedContributionPlansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Employer matching contribution percentage",
        "label": "Defined Contribution Plan, Employer Matching Contribution, Percent of Employees' Gross Pay",
        "documentation": "Percentage of employees' gross pay for which the employer contributes a matching contribution to a defined contribution plan."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedContributionPlanTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DefinedContributionPlanTable",
     "presentation": [
      "http://www.salliemae.com/role/DefinedContributionPlansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Contribution Plan [Table]",
        "label": "Defined Contribution Plan [Table]",
        "documentation": "Disclosure of information about defined contribution pension plans or defined contribution other postretirement plans, separately for pension plans and other postretirement benefit plans."
       }
      }
     },
     "auth_ref": [
      "r633"
     ]
    },
    "slm_DelinquenciesAsPercentageOfLoansInRepayment": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DelinquenciesAsPercentageOfLoansInRepayment",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, total",
        "label": "Delinquencies As Percentage Of Loans In Repayment",
        "documentation": "Delinquencies as a percentage of loans in repayment."
       }
      }
     },
     "auth_ref": []
    },
    "slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 6",
        "label": "Delinquencies As Percentage Of Loans In Repayment, Originated Five Years Before Current Fiscal Year",
        "documentation": "Delinquencies As Percentage Of Loans In Repayment, Originated Five Or More Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 5",
        "label": "Delinquencies As Percentage Of Loans In Repayment, Originated Four Years Before Current Fiscal Year",
        "documentation": "Delinquencies As Percentage Of Loans In Repayment, Originated Four Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 1",
        "label": "Delinquencies As Percentage Of Loans In Repayment, Originated In Current Fiscal Year",
        "documentation": "Delinquencies As Percentage Of Loans In Repayment, Originated In Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 2",
        "label": "Delinquencies As Percentage Of Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year",
        "documentation": "Delinquencies As Percentage Of Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 4",
        "label": "Delinquencies As Percentage Of Loans In Repayment, Originated Three Years Before Current Fiscal Year",
        "documentation": "Delinquencies As Percentage Of Loans In Repayment, Originated Three Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 3",
        "label": "Delinquencies As Percentage Of Loans In Repayment, Originated Two Years Before Current Fiscal Year",
        "documentation": "Delinquencies As Percentage Of Loans In Repayment, Originated Two Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_DenominatorAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DenominatorAbstract",
     "presentation": [
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Denominator:",
        "label": "Denominator [Abstract]",
        "documentation": "Denominator [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DepositLiabilitiesDisclosuresTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DepositLiabilitiesDisclosuresTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/Deposits"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits",
        "label": "Deposit Liabilities Disclosures [Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r12",
      "r182",
      "r261",
      "r262"
     ]
    },
    "us-gaap_Deposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "Deposits",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Liabilities",
       "weight": 1.0,
       "order": 3.0
      },
      "http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/DepositsNarrativeDetails",
      "http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits",
        "totalLabel": "Total deposits",
        "label": "Deposits",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r182"
     ]
    },
    "us-gaap_DepositsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DepositsAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits [Abstract]",
        "label": "Deposits [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DepositsFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DepositsFairValueDisclosure",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": "us-gaap_FinancialLiabilitiesFairValueDisclosure",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits",
        "label": "Deposits, Fair Value Disclosure",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1566",
      "r1567",
      "r1577"
     ]
    },
    "slm_DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": "slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits, difference",
        "label": "Deposits, Fair Value Disclosure, Difference Between Carrying Value And Fair Value",
        "documentation": "Deposits, Fair Value Disclosure, Difference Between Carrying Value And Fair Value"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DepositsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DepositsMember",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits",
        "label": "Deposits [Member]",
        "documentation": "Amounts held on account by the entity representing a liability to the depositor. Deposits may take various forms (for example, demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits) and may be categorized in multiple ways (such as, foreign and domestic, interest and noninterest bearing)."
       }
      }
     },
     "auth_ref": [
      "r205"
     ]
    },
    "slm_DepositsPeriodofNotificationforWithdrawal": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DepositsPeriodofNotificationforWithdrawal",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Period of notification for withdrawal of deposits (less than or equal to)",
        "label": "Deposits, Period of Notification for Withdrawal",
        "documentation": "Deposits, Period of Notification for Withdrawal"
       }
      }
     },
     "auth_ref": []
    },
    "slm_DepositsPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DepositsPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits",
        "label": "Deposits [Policy Text Block]",
        "documentation": "Deposits [Policy Text Block]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_Depreciation": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "Depreciation",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/PremisesandEquipmentNetNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Depreciation of premises and equipment",
        "verboseLabel": "Depreciation of premises and equipment",
        "label": "Depreciation",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r7",
      "r45"
     ]
    },
    "us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeAssetCollateralObligationToReturnCashOffset",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash collateral pledged",
        "label": "Derivative Asset, Subject to Master Netting Arrangement, Collateral, Obligation to Return Cash, Offset Against Derivative Asset",
        "documentation": "Amount of obligation to return cash collateral under master netting arrangements offset against derivative assets."
       }
      }
     },
     "auth_ref": [
      "r8",
      "r19"
     ]
    },
    "us-gaap_DerivativeAssetFairValueGrossLiability": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeAssetFairValueGrossLiability",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DerivativeAssets",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Impact of master netting agreement",
        "label": "Derivative Asset, Subject to Master Netting Arrangement, Liability Offset",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r19",
      "r25",
      "r171",
      "r172",
      "r1094",
      "r1095"
     ]
    },
    "us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Asset, Statement of Financial Position [Extensible Enumeration]",
        "label": "Derivative Asset, Statement of Financial Position [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of financial position that includes derivative asset."
       }
      }
     },
     "auth_ref": [
      "r749"
     ]
    },
    "slm_DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash collateral pledged",
        "label": "Derivative Asset, Subject To Master Netting Arrangement, Collateral, Obligation To Return Cash Not Offset",
        "documentation": "Derivative Asset, Subject To Master Netting Arrangement, Collateral, Obligation To Return Cash Not Offset"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativeAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails": {
       "parentTag": "us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail",
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Assets",
        "totalLabel": "Derivative values with impact of master netting agreements (as carried on balance sheet)",
        "verboseLabel": "Derivative instruments",
        "label": "Derivative Asset",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r312",
      "r315",
      "r782",
      "r783",
      "r796",
      "r809",
      "r1009",
      "r1010",
      "r1011",
      "r1013",
      "r1014",
      "r1016",
      "r1017",
      "r1018",
      "r1020",
      "r1021",
      "r1036",
      "r1037",
      "r1088",
      "r1091",
      "r1093",
      "r1094",
      "r1096",
      "r1097",
      "r1136",
      "r1184",
      "r1188",
      "r1213",
      "r1568",
      "r1569",
      "r1570",
      "r1638"
     ]
    },
    "us-gaap_DerivativeAssetsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeAssetsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Assets",
        "label": "Derivative Asset [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeAssetsLiabilitiesAtFairValueNet",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total net derivatives",
        "label": "Derivative Assets (Liabilities), at Fair Value, Net",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r8",
      "r1568",
      "r1569",
      "r1570"
     ]
    },
    "us-gaap_DerivativeBasisSpreadOnVariableRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeBasisSpreadOnVariableRate",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average Cost of Funds",
        "label": "Derivative, Basis Spread on Variable Rate",
        "documentation": "The percentage points added to the reference rate to compute the variable rate on the interest rate derivative."
       }
      }
     },
     "auth_ref": []
    },
    "slm_DerivativeCashCollateralHeldRelativetoDerivativeExposureNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DerivativeCashCollateralHeldRelativetoDerivativeExposureNet",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash collateral held relative to derivative exposure",
        "label": "Derivative, Cash Collateral Held Relative to Derivative Exposure, Net",
        "documentation": "Derivative, Cash Collateral Held Relative to Derivative Exposure, Net"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativeCollateralRightToReclaimCash": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeCollateralRightToReclaimCash",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash collateral pledged",
        "label": "Derivative Liability, Subject to Master Netting Arrangement, Collateral, Right to Reclaim Cash Not Offset",
        "documentation": "Amount of right to receive cash collateral under master netting arrangements that have not been offset against derivative liabilities."
       }
      }
     },
     "auth_ref": [
      "r23",
      "r97",
      "r313",
      "r1135"
     ]
    },
    "us-gaap_DerivativeContractTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeContractTypeDomain",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Contract [Domain]",
        "label": "Derivative Contract [Domain]",
        "documentation": "Financial instrument 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."
       }
      }
     },
     "auth_ref": [
      "r1018",
      "r1021",
      "r1035",
      "r1036",
      "r1037",
      "r1038",
      "r1039",
      "r1040",
      "r1041",
      "r1043",
      "r1044",
      "r1045",
      "r1046",
      "r1057",
      "r1058",
      "r1059",
      "r1060",
      "r1063",
      "r1064",
      "r1065",
      "r1066",
      "r1088",
      "r1089",
      "r1093",
      "r1096",
      "r1211",
      "r1213",
      "r1571",
      "r1572",
      "r1573",
      "r1574",
      "r1575",
      "r1576",
      "r1578",
      "r1579"
     ]
    },
    "us-gaap_DerivativeFairValueAmountOffsetAgainstCollateralNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeFairValueAmountOffsetAgainstCollateralNet",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative, fair value, amount offset against collateral, net",
        "label": "Derivative, Fair Value, Amount Offset Against Collateral, Net",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r96"
     ]
    },
    "us-gaap_DerivativeFairValueOfDerivativeAsset": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeFairValueOfDerivativeAsset",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DerivativeAssets",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Gross position",
        "label": "Derivative Asset, Subject to Master Netting Arrangement, before Offset",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r21",
      "r128",
      "r171",
      "r172",
      "r311",
      "r1136"
     ]
    },
    "us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net position",
        "label": "Derivative Asset, Including Not Subject to Master Netting Arrangement, after Offset and Deduction",
        "documentation": "Fair value, after effect of master netting arrangement and deduction of obligation to return financial collateral not offset and financial instrument subject to master netting arrangement not offset, of financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and contract can be net settled by means outside contract or delivery of asset. Includes derivative not subject to master netting arrangement or similar agreement."
       }
      }
     },
     "auth_ref": [
      "r23",
      "r96"
     ]
    },
    "us-gaap_DerivativeFairValueOfDerivativeLiability": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeFairValueOfDerivativeLiability",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DerivativeLiabilities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Gross position",
        "label": "Derivative Liability, Subject to Master Netting Arrangement, before Offset",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r21",
      "r128",
      "r171",
      "r172",
      "r311",
      "r1136"
     ]
    },
    "us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTotalLabel": "Net position",
        "label": "Derivative Liability, Including Not Subject to Master Netting Arrangement, after Offset and Deduction",
        "documentation": "Fair value, after effect of master netting arrangement and deduction of obligation to return financial collateral not offset and financial instrument subject to master netting arrangement not offset, of financial liability or contract with one or more underlyings, notional amount or payment provision or both, and contract can be net settled by means outside contract or delivery of asset. Includes derivative not subject to master netting arrangement or similar agreement."
       }
      }
     },
     "auth_ref": [
      "r23",
      "r96"
     ]
    },
    "us-gaap_DerivativeGainLossOnDerivativeNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeGainLossOnDerivativeNet",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total",
        "label": "Derivative, Gain (Loss) on Derivative, Net",
        "documentation": "Amount of increase (decrease) in the fair value of derivatives recognized in the income statement."
       }
      }
     },
     "auth_ref": [
      "r1562"
     ]
    },
    "us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "label": "Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of income or comprehensive income that includes gain (loss) from derivative."
       }
      }
     },
     "auth_ref": [
      "r1562"
     ]
    },
    "slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DerivativeInstrumentPercentofTotalNotionalDerivativeContracts",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percent of total notional derivative contracts",
        "label": "Derivative Instrument, Percent of Total Notional Derivative Contracts",
        "documentation": "Derivative Instrument, Percent of Total Notional Derivative Contracts"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativeInstrumentRiskAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeInstrumentRiskAxis",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Instrument [Axis]",
        "label": "Derivative Instrument [Axis]",
        "documentation": "Information by type of derivative contract."
       }
      }
     },
     "auth_ref": [
      "r87",
      "r89",
      "r91",
      "r173",
      "r1018",
      "r1021",
      "r1035",
      "r1036",
      "r1037",
      "r1038",
      "r1039",
      "r1040",
      "r1041",
      "r1043",
      "r1044",
      "r1045",
      "r1046",
      "r1057",
      "r1058",
      "r1059",
      "r1060",
      "r1063",
      "r1064",
      "r1065",
      "r1066",
      "r1088",
      "r1089",
      "r1093",
      "r1096",
      "r1136",
      "r1211",
      "r1213",
      "r1571",
      "r1572",
      "r1573",
      "r1574",
      "r1575",
      "r1576",
      "r1578",
      "r1579"
     ]
    },
    "us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Instruments and Hedging Activities Disclosure [Abstract]",
        "label": "Derivative Instruments and Hedging Activities Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstruments"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Financial Instruments",
        "label": "Derivative Instruments and Hedging Activities Disclosure [Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r170",
      "r755",
      "r768"
     ]
    },
    "us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeInstrumentsGainLossByHedgingRelationshipAxis",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Hedging Relationship [Axis]",
        "label": "Hedging Relationship [Axis]",
        "documentation": "Information by type of hedging relationship."
       }
      }
     },
     "auth_ref": [
      "r15",
      "r87",
      "r89"
     ]
    },
    "us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Instruments, Gain (Loss) [Table]",
        "label": "Derivative Instruments, Gain (Loss) [Table]",
        "documentation": "Disclosure of information about the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments."
       }
      }
     },
     "auth_ref": [
      "r15",
      "r87",
      "r89",
      "r91",
      "r98",
      "r99",
      "r752"
     ]
    },
    "us-gaap_DerivativeInstrumentsGainLossLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeInstrumentsGainLossLineItems",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Instruments, Gain (Loss) [Line Items]",
        "label": "Derivative Instruments, Gain (Loss) [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r752"
     ]
    },
    "slm_DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails": {
       "parentTag": "us-gaap_DerivativeGainLossOnDerivativeNet",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in fair value of future interest payments recorded in earnings",
        "label": "Derivative Instruments Increase (Decrease) In Fair Value Of Future Interest Payments Recorded In Earnings",
        "documentation": "Derivative Instruments Increase (Decrease) In Fair Value Of Future Interest Payments Recorded In Earnings"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNetAbstract",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading",
        "label": "Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativeLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails": {
       "parentTag": "us-gaap_DerivativeAssetsLiabilitiesAtFairValueNet",
       "weight": -1.0,
       "order": 2.0
      },
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": "us-gaap_FinancialLiabilitiesFairValueDisclosure",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail",
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Derivative instruments",
        "negatedTotalLabel": "Derivative values with impact of master netting agreements (as carried on balance sheet)",
        "terseLabel": "Derivative instruments",
        "label": "Derivative Liability",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r312",
      "r315",
      "r782",
      "r783",
      "r796",
      "r809",
      "r1009",
      "r1010",
      "r1011",
      "r1013",
      "r1016",
      "r1017",
      "r1018",
      "r1020",
      "r1021",
      "r1043",
      "r1045",
      "r1046",
      "r1089",
      "r1090",
      "r1091",
      "r1093",
      "r1094",
      "r1096",
      "r1097",
      "r1136",
      "r1568",
      "r1569",
      "r1570",
      "r1638"
     ]
    },
    "us-gaap_DerivativeLiabilitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeLiabilitiesAbstract",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Liabilities",
        "label": "Derivative Liability [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativeLiabilityFairValueGrossAsset": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeLiabilityFairValueGrossAsset",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DerivativeLiabilities",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsOffsettingAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Impact of master netting agreement",
        "label": "Derivative Liability, Subject to Master Netting Arrangement, Asset Offset",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r19",
      "r25",
      "r171",
      "r172",
      "r1094",
      "r1095",
      "r1135"
     ]
    },
    "us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Liability, Statement of Financial Position [Extensible Enumeration]",
        "label": "Derivative Liability, Statement of Financial Position [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of financial position that includes derivative liability."
       }
      }
     },
     "auth_ref": [
      "r749"
     ]
    },
    "us-gaap_DerivativeLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeLineItems",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative [Line Items]",
        "label": "Derivative [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r768"
     ]
    },
    "us-gaap_DerivativeNotionalAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeNotionalAmount",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Notional derivative contracts",
        "netLabel": "Notional value",
        "verboseLabel": "Notional Values",
        "label": "Derivative, Notional Amount",
        "documentation": "Nominal or face amount used to calculate payment on derivative."
       }
      }
     },
     "auth_ref": [
      "r1560",
      "r1561"
     ]
    },
    "us-gaap_DerivativeTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativeTable",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative [Table]",
        "label": "Derivative [Table]",
        "documentation": "Disclosure of information about derivative instrument or group of derivative instruments, including, but not limited to, type of derivative instrument, risk being hedged, notional amount, hedge designation, related hedged item, inception date, and maturity date."
       }
      }
     },
     "auth_ref": [
      "r15",
      "r79",
      "r80",
      "r82",
      "r85",
      "r88",
      "r89",
      "r93",
      "r95",
      "r99",
      "r768"
     ]
    },
    "us-gaap_DerivativesFairValueLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativesFairValueLineItems",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivatives, Fair Value [Line Items]",
        "label": "Derivatives, Fair Value [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativesPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DerivativesPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Accounting",
        "label": "Derivatives, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for its derivative instruments and hedging activities."
       }
      }
     },
     "auth_ref": [
      "r15",
      "r79",
      "r80",
      "r85",
      "r94",
      "r350",
      "r368"
     ]
    },
    "us-gaap_DesignatedAsHedgingInstrumentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DesignatedAsHedgingInstrumentMember",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Designated as Hedging Instrument",
        "label": "Designated as Hedging Instrument [Member]",
        "documentation": "Derivative instrument designated as hedging instrument under Generally Accepted Accounting Principles (GAAP)."
       }
      }
     },
     "auth_ref": [
      "r15"
     ]
    },
    "us-gaap_DevelopedTechnologyRightsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DevelopedTechnologyRightsMember",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Developed technology",
        "label": "Developed Technology Rights [Member]",
        "documentation": "Rights to developed technology, which can include the right to develop, use, market, sell, or offer for sale products, compounds, or intellectual property."
       }
      }
     },
     "auth_ref": [
      "r167",
      "r1430",
      "r1431",
      "r1432",
      "r1433",
      "r1435",
      "r1437",
      "r1439",
      "r1440"
     ]
    },
    "us-gaap_DilutiveSecuritiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DilutiveSecuritiesAbstract",
     "presentation": [
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Effect of dilutive securities:",
        "label": "Dilutive Securities, Effect on Basic Earnings Per Share [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock-Based Compensation Plans and Arrangements",
        "label": "Share-Based Payment Arrangement [Text Block]",
        "documentation": "The entire disclosure for share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r643",
      "r648",
      "r675",
      "r676",
      "r678",
      "r1175"
     ]
    },
    "us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Share-based Payment Arrangement [Abstract]",
        "label": "Share-Based Payment Arrangement [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_Dividends": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "Dividends",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Dividends",
        "label": "Dividends",
        "documentation": "Amount of paid and unpaid cash, stock, and paid-in-kind (PIK) dividends declared, for example, but not limited to, common and preferred stock."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r152"
     ]
    },
    "us-gaap_DividendsCashAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DividendsCashAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash dividends declared:",
        "label": "Dividends, Cash [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DividendsCommonStockCash": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DividendsCommonStockCash",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Common stock",
        "label": "Dividends, Common Stock, Cash",
        "documentation": "Amount of paid and unpaid common stock dividends declared with the form of settlement in cash."
       }
      }
     },
     "auth_ref": [
      "r152"
     ]
    },
    "us-gaap_DividendsPreferredStockCash": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "DividendsPreferredStockCash",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Preferred stock",
        "label": "Dividends, Preferred Stock, Cash",
        "documentation": "Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r152"
     ]
    },
    "dei_DocumentAnnualReport": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "DocumentAnnualReport",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Annual Report",
        "label": "Document Annual Report",
        "documentation": "Boolean flag that is true only for a form used as an annual report."
       }
      }
     },
     "auth_ref": [
      "r1231",
      "r1232",
      "r1255"
     ]
    },
    "dei_DocumentFinStmtErrorCorrectionFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "DocumentFinStmtErrorCorrectionFlag",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Financial Statement Error Correction [Flag]",
        "label": "Document Financial Statement Error Correction [Flag]",
        "documentation": "Indicates whether any of the financial statement period in the filing include a restatement due to error correction."
       }
      }
     },
     "auth_ref": [
      "r1231",
      "r1232",
      "r1255",
      "r1298"
     ]
    },
    "dei_DocumentFiscalPeriodFocus": {
     "xbrltype": "fiscalPeriodItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "DocumentFiscalPeriodFocus",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Fiscal Period Focus",
        "label": "Document Fiscal Period Focus",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentFiscalYearFocus": {
     "xbrltype": "gYearItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "DocumentFiscalYearFocus",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Fiscal Year Focus",
        "label": "Document Fiscal Year Focus",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentInformationLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "DocumentInformationLineItems",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Information [Line Items]",
        "label": "Document Information [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentInformationTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "DocumentInformationTable",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Information [Table]",
        "label": "Document Information [Table]",
        "documentation": "Container to support the formal attachment of each official or unofficial, public or private document as part of a submission package."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentPeriodEndDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "DocumentPeriodEndDate",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Period End Date",
        "label": "Document Period End Date",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentTransitionReport": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "DocumentTransitionReport",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Transition Report",
        "label": "Document Transition Report",
        "documentation": "Boolean flag that is true only for a form used as a transition report."
       }
      }
     },
     "auth_ref": [
      "r1276"
     ]
    },
    "dei_DocumentType": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "DocumentType",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Type",
        "label": "Document Type",
        "documentation": "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'."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentsIncorporatedByReferenceTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "DocumentsIncorporatedByReferenceTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Documents Incorporated by Reference",
        "label": "Documents Incorporated by Reference [Text Block]",
        "documentation": "Documents incorporated by reference."
       }
      }
     },
     "auth_ref": [
      "r1229"
     ]
    },
    "slm_DuefromSubsidiaresNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "DuefromSubsidiaresNet",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Due from subsidiaries, net",
        "label": "Due from Subsidiares, Net",
        "documentation": "Due from Subsidiares, Net"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year",
        "label": "Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year [Member]"
       }
      }
     },
     "auth_ref": [
      "r1287"
     ]
    },
    "us-gaap_EarningsPerShareAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EarningsPerShareAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Earnings Per Share [Abstract]",
        "label": "Earnings Per Share [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_EarningsPerShareBasic": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EarningsPerShareBasic",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Basic earnings per common share (in usd per share)",
        "label": "Earnings Per Share, Basic",
        "documentation": "The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period."
       }
      }
     },
     "auth_ref": [
      "r334",
      "r360",
      "r361",
      "r362",
      "r363",
      "r364",
      "r365",
      "r371",
      "r374",
      "r385",
      "r386",
      "r387",
      "r391",
      "r730",
      "r740",
      "r779",
      "r780",
      "r915",
      "r951",
      "r1139"
     ]
    },
    "us-gaap_EarningsPerShareDiluted": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EarningsPerShareDiluted",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Diluted earnings per common share (in usd per share)",
        "label": "Earnings Per Share, Diluted",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r334",
      "r360",
      "r361",
      "r362",
      "r363",
      "r364",
      "r365",
      "r374",
      "r385",
      "r386",
      "r387",
      "r391",
      "r730",
      "r740",
      "r779",
      "r780",
      "r915",
      "r951",
      "r1139"
     ]
    },
    "us-gaap_EarningsPerShareTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EarningsPerShareTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/EarningsPerCommonShare"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Earnings Per Common Share",
        "label": "Earnings Per Share [Text Block]",
        "documentation": "The entire disclosure for earnings per share."
       }
      }
     },
     "auth_ref": [
      "r370",
      "r388",
      "r389",
      "r390"
     ]
    },
    "us-gaap_EffectOfCashFlowHedgesOnResultsOfOperationsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EffectOfCashFlowHedgesOnResultsOfOperationsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash Flow Hedges",
        "label": "Effect of Cash Flow Hedges on Results of Operations [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_EffectiveIncomeTaxRateContinuingOperations": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EffectiveIncomeTaxRateContinuingOperations",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Effective tax rate",
        "label": "Effective Income Tax Rate Reconciliation, Percent",
        "documentation": "Percentage of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations."
       }
      }
     },
     "auth_ref": [
      "r685",
      "r1179"
     ]
    },
    "us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Effective Income Tax Rate Reconciliation, Percent [Abstract]",
        "label": "Effective Income Tax Rate Reconciliation, Percent [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails": {
       "parentTag": "us-gaap_EffectiveIncomeTaxRateContinuingOperations",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails",
      "http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statutory rate",
        "verboseLabel": "Statutory U.S. federal rate",
        "label": "Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent",
        "documentation": "Percentage of domestic federal statutory tax rate applicable to pretax income (loss)."
       }
      }
     },
     "auth_ref": [
      "r349",
      "r685",
      "r712",
      "r1179"
     ]
    },
    "us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EffectiveIncomeTaxRateReconciliationOtherAdjustments",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails": {
       "parentTag": "us-gaap_EffectiveIncomeTaxRateContinuingOperations",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other, net",
        "label": "Effective Income Tax Rate Reconciliation, Other Adjustments, Percent",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1179",
      "r1379",
      "r1549",
      "r1550"
     ]
    },
    "us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails": {
       "parentTag": "us-gaap_EffectiveIncomeTaxRateContinuingOperations",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "State tax, net of federal benefit",
        "label": "Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r687",
      "r1179",
      "r1379",
      "r1549"
     ]
    },
    "us-gaap_EffectiveIncomeTaxRateReconciliationTaxCredits": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EffectiveIncomeTaxRateReconciliationTaxCredits",
     "calculation": {
      "http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails": {
       "parentTag": "us-gaap_EffectiveIncomeTaxRateContinuingOperations",
       "weight": -1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesReconciliationsofStatutoryUSFederalIncomeTaxRatestoOurEffectiveTaxRateforContinuingOperationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Business credits",
        "label": "Effective Income Tax Rate Reconciliation, Tax Credit, Percent",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r688",
      "r689",
      "r1379",
      "r1549"
     ]
    },
    "us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unrecognized compensation cost",
        "label": "Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount",
        "documentation": "Amount of cost not yet recognized for nonvested award under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r677"
     ]
    },
    "us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted average period for total unrecognized compensation cost",
        "label": "Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r677"
     ]
    },
    "us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tax benefit from exercise of stock options",
        "label": "Share-Based Payment Arrangement, Exercise of Option, Tax Benefit",
        "documentation": "Amount of tax benefit from exercise of option under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r246"
     ]
    },
    "us-gaap_EmployeeStockOptionMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EmployeeStockOptionMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Employee Stock Option",
        "label": "Share-Based Payment Arrangement, Option [Member]",
        "documentation": "Share-based payment arrangement granting right, subject to vesting and other restrictions, to purchase or sell certain number of shares at predetermined price for specified period of time."
       }
      }
     },
     "auth_ref": []
    },
    "slm_EmployeeStockPurchasePlanMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "EmployeeStockPurchasePlanMember",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Employee Stock Purchase Plan",
        "label": "Employee Stock Purchase Plan [Member]",
        "documentation": "Employee Stock Purchase Plan [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressAddressLine1": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityAddressAddressLine1",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Address, Address Line One",
        "label": "Entity Address, Address Line One",
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressCityOrTown": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityAddressCityOrTown",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Address, City or Town",
        "label": "Entity Address, City or Town",
        "documentation": "Name of the City or Town"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressPostalZipCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityAddressPostalZipCode",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Address, Postal Zip Code",
        "label": "Entity Address, Postal Zip Code",
        "documentation": "Code for the postal or zip code"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressStateOrProvince": {
     "xbrltype": "stateOrProvinceItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityAddressStateOrProvince",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Address, State or Province",
        "label": "Entity Address, State or Province",
        "documentation": "Name of the state or province."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityCentralIndexKey": {
     "xbrltype": "centralIndexKeyItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityCentralIndexKey",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Central Index Key",
        "label": "Entity Central Index Key",
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK."
       }
      }
     },
     "auth_ref": [
      "r1228"
     ]
    },
    "dei_EntityCommonStockSharesOutstanding": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityCommonStockSharesOutstanding",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Common Stock, Shares Outstanding",
        "label": "Entity Common Stock, Shares Outstanding",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityCurrentReportingStatus": {
     "xbrltype": "yesNoItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityCurrentReportingStatus",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Current Reporting Status",
        "label": "Entity Current Reporting Status",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityEmergingGrowthCompany": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityEmergingGrowthCompany",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Emerging Growth Company",
        "label": "Entity Emerging Growth Company",
        "documentation": "Indicate if registrant meets the emerging growth company criteria."
       }
      }
     },
     "auth_ref": [
      "r1228"
     ]
    },
    "dei_EntityFileNumber": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityFileNumber",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity File Number",
        "label": "Entity File Number",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityFilerCategory": {
     "xbrltype": "filerCategoryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityFilerCategory",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Filer Category",
        "label": "Entity Filer Category",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1228"
     ]
    },
    "dei_EntityIncorporationStateCountryCode": {
     "xbrltype": "edgarStateCountryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityIncorporationStateCountryCode",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Incorporation, State or Country Code",
        "label": "Entity Incorporation, State or Country Code",
        "documentation": "Two-character EDGAR code representing the state or country of incorporation."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityInteractiveDataCurrent": {
     "xbrltype": "yesNoItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityInteractiveDataCurrent",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Interactive Data Current",
        "label": "Entity Interactive Data Current",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r1338"
     ]
    },
    "dei_EntityPublicFloat": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityPublicFloat",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Public Float",
        "label": "Entity Public Float",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityRegistrantName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityRegistrantName",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Registrant Name",
        "label": "Entity Registrant Name",
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC."
       }
      }
     },
     "auth_ref": [
      "r1228"
     ]
    },
    "dei_EntityShellCompany": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityShellCompany",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Shell Company",
        "label": "Entity Shell Company",
        "documentation": "Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act."
       }
      }
     },
     "auth_ref": [
      "r1228"
     ]
    },
    "dei_EntitySmallBusiness": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntitySmallBusiness",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Small Business",
        "label": "Entity Small Business",
        "documentation": "Indicates that the company is a Smaller Reporting Company (SRC)."
       }
      }
     },
     "auth_ref": [
      "r1228"
     ]
    },
    "dei_EntityTaxIdentificationNumber": {
     "xbrltype": "employerIdItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityTaxIdentificationNumber",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Tax Identification Number",
        "label": "Entity Tax Identification Number",
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS."
       }
      }
     },
     "auth_ref": [
      "r1228"
     ]
    },
    "dei_EntityVoluntaryFilers": {
     "xbrltype": "yesNoItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityVoluntaryFilers",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Voluntary Filers",
        "label": "Entity Voluntary Filers",
        "documentation": "Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityWellKnownSeasonedIssuer": {
     "xbrltype": "yesNoItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityWellKnownSeasonedIssuer",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Well-known Seasoned Issuer",
        "label": "Entity Well-known Seasoned Issuer",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1339"
     ]
    },
    "ecd_EqtyAwrdsAdjFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "EqtyAwrdsAdjFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Awards Adjustments, Footnote",
        "label": "Equity Awards Adjustments, Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1281"
     ]
    },
    "ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Awards Adjustments, Excluding Value Reported in Compensation Table",
        "label": "Equity Awards Adjustments, Excluding Value Reported in the Compensation Table [Member]"
       }
      }
     },
     "auth_ref": [
      "r1334"
     ]
    },
    "ecd_EqtyAwrdsAdjsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "EqtyAwrdsAdjsMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Awards Adjustments",
        "label": "Equity Awards Adjustments [Member]"
       }
      }
     },
     "auth_ref": [
      "r1334"
     ]
    },
    "ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "EqtyAwrdsInSummryCompstnTblForAplblYrMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table",
        "label": "Aggregate Grant Date Fair Value of Equity Award Amounts Reported in Summary Compensation Table [Member]"
       }
      }
     },
     "auth_ref": [
      "r1334"
     ]
    },
    "us-gaap_EquityAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EquityAbstract",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity",
        "label": "Equity [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_EquityComponentDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EquityComponentDomain",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Component [Domain]",
        "label": "Equity Component [Domain]",
        "documentation": "Components of equity are the parts of the total Equity balance including that which is allocated to common, preferred, treasury stock, retained earnings, etc."
       }
      }
     },
     "auth_ref": [
      "r14",
      "r292",
      "r329",
      "r330",
      "r331",
      "r352",
      "r353",
      "r354",
      "r357",
      "r364",
      "r366",
      "r368",
      "r393",
      "r479",
      "r485",
      "r550",
      "r625",
      "r707",
      "r708",
      "r726",
      "r727",
      "r728",
      "r731",
      "r739",
      "r740",
      "r760",
      "r762",
      "r763",
      "r764",
      "r765",
      "r767",
      "r778",
      "r811",
      "r813",
      "r814",
      "r815",
      "r816",
      "r817",
      "r824",
      "r826",
      "r833",
      "r948",
      "r971",
      "r972",
      "r973",
      "r997",
      "r1069"
     ]
    },
    "us-gaap_EquitySecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EquitySecuritiesMember",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Securities",
        "label": "Equity Securities [Member]",
        "documentation": "Ownership interest or right to acquire or dispose of ownership interest in corporations and other legal entities for which ownership interest is represented by shares of common or preferred stock, convertible securities, stock rights, or stock warrants."
       }
      }
     },
     "auth_ref": [
      "r44",
      "r1197",
      "r1221",
      "r1222",
      "r1223",
      "r1646"
     ]
    },
    "ecd_EquityValuationAssumptionDifferenceFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "EquityValuationAssumptionDifferenceFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Valuation Assumption Difference, Footnote",
        "label": "Equity Valuation Assumption Difference, Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1291"
     ]
    },
    "ecd_ErrCompAnalysisTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "ErrCompAnalysisTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Erroneous Compensation Analysis",
        "label": "Erroneous Compensation Analysis [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1248",
      "r1259",
      "r1269",
      "r1302"
     ]
    },
    "ecd_ErrCompRecoveryTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "ErrCompRecoveryTable",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Erroneously Awarded Compensation Recovery",
        "label": "Erroneously Awarded Compensation Recovery [Table]"
       }
      }
     },
     "auth_ref": [
      "r1245",
      "r1256",
      "r1266",
      "r1299"
     ]
    },
    "us-gaap_EstimateOfFairValueFairValueDisclosureMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "EstimateOfFairValueFairValueDisclosureMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value",
        "label": "Estimate of Fair Value Measurement [Member]",
        "documentation": "Measured as an estimate of fair value."
       }
      }
     },
     "auth_ref": [
      "r595",
      "r809",
      "r1163",
      "r1164"
     ]
    },
    "slm_EstimatedWeightedAverageLifeOfStudentLoans": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "EstimatedWeightedAverageLifeOfStudentLoans",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Estimated weighted average life of student loans",
        "label": "Estimated Weighted Average Life Of Student Loans",
        "documentation": "Estimated weighted average life of student loans."
       }
      }
     },
     "auth_ref": []
    },
    "slm_ExcessOfNetAssetFairValueOverCarryingValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ExcessOfNetAssetFairValueOverCarryingValue",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Excess of net asset fair value over carrying value",
        "label": "Excess Of Net Asset Fair Value Over Carrying Value",
        "documentation": "Excess of net asset fair value over carrying value."
       }
      }
     },
     "auth_ref": []
    },
    "ecd_ExecutiveCategoryAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "ExecutiveCategoryAxis",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Executive Category:",
        "label": "Executive Category [Axis]"
       }
      }
     },
     "auth_ref": [
      "r1297"
     ]
    },
    "us-gaap_ExtendedMaturityAndInterestRateReductionMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ExtendedMaturityAndInterestRateReductionMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Combination - Interest Rate Reduction and Term Extension",
        "label": "Extended Maturity and Interest Rate Reduction [Member]",
        "documentation": "Loan modification for extension of term of loan in which it must be paid, reduction of contractual interest rate, and reduction of interest rate to lower than current market rate for new debt with similar risk."
       }
      }
     },
     "auth_ref": [
      "r1151"
     ]
    },
    "us-gaap_ExtendedMaturityMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ExtendedMaturityMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Extended Maturity",
        "label": "Extended Maturity [Member]",
        "documentation": "Loan modification for an extension of the term of a loan in which it must be paid."
       }
      }
     },
     "auth_ref": [
      "r435",
      "r1151"
     ]
    },
    "slm_FICOscore670699Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FICOscore670699Member",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "670-699",
        "label": "FICO score 670-699 [Member]",
        "documentation": "FICO score 670-699 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FICOscore700749Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FICOscore700749Member",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "700-749",
        "label": "FICO score 700-749 [Member]",
        "documentation": "FICO score 700-749 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FICOscoregreaterthan750Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FICOscoregreaterthan750Member",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Greater than or equal to 750",
        "label": "FICO score greater than 750 [Member]",
        "documentation": "FICO score greater than 750 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FICOscorelessthan670Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FICOscorelessthan670Member",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Less than 670",
        "label": "FICO score less than 670 [Member]",
        "documentation": "FICO score less than 670 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "stpr_FL": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/stpr/2024",
     "localname": "FL",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Florida",
        "label": "FLORIDA"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period",
        "label": "Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), OCI",
        "documentation": "Amount of unrealized gain (loss) recognized in other comprehensive income (OCI) from asset measured at fair value on recurring basis using unobservable input (level 3) and still held."
       }
      }
     },
     "auth_ref": [
      "r792",
      "r797",
      "r1186"
     ]
    },
    "us-gaap_FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "label": "Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of income or comprehensive income that includes unrealized gain (loss) from asset measured at fair value using unobservable input (level 3) and still held."
       }
      }
     },
     "auth_ref": [
      "r792",
      "r797",
      "r1187"
     ]
    },
    "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair\u00a0Value\u00a0Measurements\u00a0on\u00a0a\u00a0Recurring Basis",
        "label": "Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r782",
      "r783",
      "r796",
      "r1184"
     ]
    },
    "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Recurring and Nonrecurring [Table]",
        "label": "Fair Value, Recurring and Nonrecurring [Table]",
        "documentation": "Disclosure of information about asset and liability measured at fair value on recurring and nonrecurring basis."
       }
      }
     },
     "auth_ref": [
      "r782",
      "r783",
      "r796",
      "r1184"
     ]
    },
    "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Measurement Inputs and Valuation Techniques [Line Items]",
        "label": "Fair Value Measurement Inputs and Valuation Techniques [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r784",
      "r785",
      "r786",
      "r1188"
     ]
    },
    "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Measurement Inputs and Valuation Techniques [Table]",
        "label": "Fair Value Measurement Inputs and Valuation Techniques [Table]",
        "documentation": "Disclosure of information about input and valuation technique used to measure fair value and change in valuation approach and technique for each separate class of asset and liability measured on recurring and nonrecurring basis."
       }
      }
     },
     "auth_ref": [
      "r784",
      "r785",
      "r786",
      "r1188"
     ]
    },
    "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Measurement Inputs and Valuation Techniques",
        "label": "Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]",
        "documentation": "Tabular disclosure of input and valuation technique used to measure fair value and change in valuation approach and technique for each separate class of asset and liability measured on recurring and nonrecurring basis."
       }
      }
     },
     "auth_ref": [
      "r784",
      "r785",
      "r1188"
     ]
    },
    "us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in unrealized gains or losses for the period included in earnings (or changes in net assets) for assets held at the end of the reporting period",
        "label": "Fair Value, Asset, Recurring Basis, Still Held, Unrealized Gain (Loss)",
        "documentation": "Amount of unrealized gain (loss) recognized in income from asset measured at fair value on recurring basis using unobservable input (level 3) and still held."
       }
      }
     },
     "auth_ref": [
      "r792",
      "r797",
      "r1186",
      "r1187"
     ]
    },
    "us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Asset Class [Domain]",
        "label": "Asset Class [Domain]",
        "documentation": "Class of asset."
       }
      }
     },
     "auth_ref": [
      "r787",
      "r788",
      "r789",
      "r790",
      "r791",
      "r792",
      "r797",
      "r1186"
     ]
    },
    "us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]",
        "label": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]",
        "label": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r787",
      "r788",
      "r789",
      "r790",
      "r791",
      "r792",
      "r797",
      "r1186"
     ]
    },
    "us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]",
        "label": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]",
        "documentation": "Disclosure of information about financial instrument asset measured at fair value on recurring basis using unobservable input."
       }
      }
     },
     "auth_ref": [
      "r787",
      "r788",
      "r789",
      "r790",
      "r791",
      "r792",
      "r797",
      "r1186"
     ]
    },
    "us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation",
        "label": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]",
        "documentation": "Tabular disclosure of the fair value measurement of assets using significant unobservable inputs (Level 3), a reconciliation of the beginning and ending balances, separately presenting changes during the period attributable to the following: (1) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets) and gains or losses recognized in other comprehensive income (loss), and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (2) purchases, sales, issues, and settlements (each type disclosed separately); and (3) transfers in and transfers out of Level 3 (for example, transfers due to changes in the observability of significant inputs), by class of asset."
       }
      }
     },
     "auth_ref": [
      "r787",
      "r792",
      "r797",
      "r1186"
     ]
    },
    "us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]",
        "label": "Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueByAssetClassAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueByAssetClassAxis",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Asset Class [Axis]",
        "label": "Asset Class [Axis]",
        "documentation": "Information by class of asset."
       }
      }
     },
     "auth_ref": [
      "r787",
      "r788",
      "r789",
      "r790",
      "r791",
      "r792",
      "r797",
      "r1186"
     ]
    },
    "us-gaap_FairValueByBalanceSheetGroupingTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueByBalanceSheetGroupingTable",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, by Balance Sheet Grouping [Table]",
        "label": "Fair Value, by Balance Sheet Grouping [Table]",
        "documentation": "Disclosure of information about the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities."
       }
      }
     },
     "auth_ref": [
      "r101",
      "r102"
     ]
    },
    "us-gaap_FairValueByBalanceSheetGroupingTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueByBalanceSheetGroupingTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Values of Financial Assets and Liabilities, Including Derivative Financial Instruments",
        "label": "Fair Value, by Balance Sheet Grouping [Table Text Block]",
        "documentation": "Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities."
       }
      }
     },
     "auth_ref": [
      "r101"
     ]
    },
    "us-gaap_FairValueByFairValueHierarchyLevelAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueByFairValueHierarchyLevelAxis",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Hierarchy and NAV [Axis]",
        "label": "Fair Value Hierarchy and NAV [Axis]",
        "documentation": "Information by level within fair value hierarchy and fair value measured at net asset value per share as practical expedient."
       }
      }
     },
     "auth_ref": [
      "r595",
      "r627",
      "r628",
      "r629",
      "r630",
      "r631",
      "r632",
      "r781",
      "r783",
      "r784",
      "r785",
      "r786",
      "r795",
      "r796",
      "r798",
      "r841",
      "r842",
      "r843",
      "r1163",
      "r1164",
      "r1169",
      "r1170",
      "r1171",
      "r1184",
      "r1188"
     ]
    },
    "us-gaap_FairValueByLiabilityClassAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueByLiabilityClassAxis",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Liability Class [Axis]",
        "label": "Liability Class [Axis]",
        "documentation": "Information by class of liability."
       }
      }
     },
     "auth_ref": [
      "r787",
      "r788",
      "r789",
      "r790",
      "r791",
      "r792",
      "r797"
     ]
    },
    "us-gaap_FairValueByMeasurementBasisAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueByMeasurementBasisAxis",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Basis [Axis]",
        "label": "Measurement Basis [Axis]",
        "documentation": "Information by measurement basis."
       }
      }
     },
     "auth_ref": [
      "r595",
      "r1163",
      "r1164"
     ]
    },
    "us-gaap_FairValueByMeasurementFrequencyAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueByMeasurementFrequencyAxis",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Frequency [Axis]",
        "label": "Measurement Frequency [Axis]",
        "documentation": "Information by measurement frequency."
       }
      }
     },
     "auth_ref": [
      "r782",
      "r783",
      "r784",
      "r786",
      "r1184",
      "r1569",
      "r1580"
     ]
    },
    "us-gaap_FairValueDisclosureItemAmountsDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueDisclosureItemAmountsDomain",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Measurement [Domain]",
        "label": "Fair Value Measurement [Domain]",
        "documentation": "Measurement basis, for example, but not limited to, reported value, fair value, portion at fair value, portion at other than fair value."
       }
      }
     },
     "auth_ref": [
      "r595",
      "r1163",
      "r1164"
     ]
    },
    "slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Provision/New commitments - net",
        "label": "Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability, Additional Commitments",
        "documentation": "Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability, Additional Commitments"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Transfer - funded loans",
        "label": "Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability, Commitments Funded",
        "documentation": "Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability, Commitments Funded"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueDisclosureOffbalanceSheetRisksAmountLiability",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unfunded loan commitments",
        "periodStartLabel": "Beginning balance",
        "periodEndLabel": "Ending balance",
        "label": "Fair Value Disclosure, off-Balance-Sheet Risks, Amount, Liability",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r809"
     ]
    },
    "us-gaap_FairValueDisclosuresAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueDisclosuresAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Disclosures [Abstract]",
        "label": "Fair Value Disclosures [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueDisclosuresTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueDisclosuresTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Measurements",
        "label": "Fair Value Disclosures [Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r791",
      "r793",
      "r794",
      "r795",
      "r798",
      "r799",
      "r800",
      "r801",
      "r802",
      "r907",
      "r1184",
      "r1189"
     ]
    },
    "us-gaap_FairValueHedgingMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueHedgingMember",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value",
        "label": "Fair Value Hedging [Member]",
        "documentation": "A hedge of the exposure to changes in the fair value of a recognized asset or liability, or of an unrecognized firm commitment, that are attributable to a particular risk."
       }
      }
     },
     "auth_ref": [
      "r83"
     ]
    },
    "us-gaap_FairValueInputsLevel1Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueInputsLevel1Member",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Level\u00a01",
        "label": "Fair Value, Inputs, Level 1 [Member]",
        "documentation": "Quoted prices in active markets for identical assets or liabilities that the reporting entity can access at the measurement date."
       }
      }
     },
     "auth_ref": [
      "r595",
      "r627",
      "r632",
      "r783",
      "r796",
      "r841",
      "r1169",
      "r1170",
      "r1171",
      "r1184"
     ]
    },
    "us-gaap_FairValueInputsLevel2Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueInputsLevel2Member",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Level\u00a02",
        "label": "Fair Value, Inputs, Level 2 [Member]",
        "documentation": "Inputs other than quoted prices included within level 1 that are observable for an asset or liability, either directly or indirectly, including, but not limited to, quoted prices for similar assets or liabilities in active markets, or quoted prices for identical or similar assets or liabilities in inactive markets."
       }
      }
     },
     "auth_ref": [
      "r595",
      "r627",
      "r632",
      "r783",
      "r784",
      "r796",
      "r842",
      "r1163",
      "r1164",
      "r1169",
      "r1170",
      "r1171",
      "r1184"
     ]
    },
    "us-gaap_FairValueInputsLevel3Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueInputsLevel3Member",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Level\u00a03",
        "label": "Fair Value, Inputs, Level 3 [Member]",
        "documentation": "Unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing."
       }
      }
     },
     "auth_ref": [
      "r595",
      "r627",
      "r628",
      "r629",
      "r630",
      "r631",
      "r632",
      "r783",
      "r784",
      "r785",
      "r786",
      "r796",
      "r843",
      "r1163",
      "r1164",
      "r1169",
      "r1170",
      "r1171",
      "r1184",
      "r1188"
     ]
    },
    "us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value by Liability Class [Domain]",
        "label": "Fair Value by Liability Class [Domain]",
        "documentation": "Represents classes of liabilities measured and disclosed at fair value."
       }
      }
     },
     "auth_ref": [
      "r787",
      "r788",
      "r789",
      "r790",
      "r791",
      "r792",
      "r797"
     ]
    },
    "us-gaap_FairValueMeasurementFrequencyDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueMeasurementFrequencyDomain",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Frequency [Domain]",
        "label": "Measurement Frequency [Domain]",
        "documentation": "Measurement frequency."
       }
      }
     },
     "auth_ref": [
      "r782",
      "r783",
      "r784",
      "r786",
      "r1184",
      "r1569",
      "r1580"
     ]
    },
    "us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Included in earnings (or changes in net assets)",
        "label": "Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings",
        "documentation": "Amount of gain (loss) recognized in income from asset measured at fair value on recurring basis using unobservable input (level 3)."
       }
      }
     },
     "auth_ref": [
      "r788",
      "r797",
      "r1186",
      "r1187"
     ]
    },
    "us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Included in other comprehensive income",
        "label": "Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Other Comprehensive Income (Loss)",
        "documentation": "Amount of gain (loss) recognized in other comprehensive income (OCI) from asset measured at fair value on recurring basis using unobservable input (level 3)."
       }
      }
     },
     "auth_ref": [
      "r789",
      "r797",
      "r1186"
     ]
    },
    "us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Settlements",
        "label": "Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements",
        "documentation": "Amount of settlement of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing."
       }
      }
     },
     "auth_ref": [
      "r790",
      "r797",
      "r1186"
     ]
    },
    "us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Transfers into level 3",
        "label": "Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Transfers Into Level 3",
        "documentation": "Amount of transfer of financial instrument classified as an asset into level 3 of the fair value hierarchy."
       }
      }
     },
     "auth_ref": [
      "r791",
      "r797",
      "r1186"
     ]
    },
    "us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Transfers out of level 3",
        "label": "Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3",
        "documentation": "Amount of transfers of financial instrument classified as an asset out of level 3 of the fair value hierarchy."
       }
      }
     },
     "auth_ref": [
      "r791",
      "r797",
      "r1186"
     ]
    },
    "us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Balance, beginning of period",
        "periodEndLabel": "Balance, end of period",
        "label": "Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value",
        "documentation": "Fair value of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing."
       }
      }
     },
     "auth_ref": [
      "r787",
      "r797",
      "r1186"
     ]
    },
    "us-gaap_FairValueMeasurementsFairValueHierarchyDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueMeasurementsFairValueHierarchyDomain",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Measurements, Fair Value Hierarchy [Domain]",
        "label": "Fair Value Hierarchy and NAV [Domain]",
        "documentation": "Categories used to prioritize the inputs to valuation techniques to measure fair value."
       }
      }
     },
     "auth_ref": [
      "r595",
      "r627",
      "r628",
      "r629",
      "r630",
      "r631",
      "r632",
      "r781",
      "r783",
      "r784",
      "r785",
      "r786",
      "r795",
      "r796",
      "r798",
      "r841",
      "r842",
      "r843",
      "r1163",
      "r1164",
      "r1169",
      "r1170",
      "r1171",
      "r1184",
      "r1188"
     ]
    },
    "us-gaap_FairValueMeasurementsRecurringMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueMeasurementsRecurringMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Measurements Recurring",
        "label": "Fair Value, Recurring [Member]",
        "documentation": "Frequent fair value measurement. Includes, but is not limited to, fair value adjustment for impairment of asset, liability or equity, frequently measured at fair value."
       }
      }
     },
     "auth_ref": [
      "r1184",
      "r1566",
      "r1567",
      "r1568",
      "r1569",
      "r1570",
      "r1580"
     ]
    },
    "us-gaap_FairValueOfFinancialInstrumentsPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueOfFinancialInstrumentsPolicy",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Measurement",
        "label": "Fair Value of Financial Instruments, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for determining the fair value of financial instruments."
       }
      }
     },
     "auth_ref": [
      "r11"
     ]
    },
    "slm_FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair value of restricted stock units that vested and converted to common stock",
        "label": "Fair Value Of Restricted Stock Units That Vested And Converted To Common Stock",
        "documentation": "Total fair value of restricted stock units that vested and converted to common stock."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "label": "Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of income or comprehensive income that includes gain (loss) from asset measured at fair value using unobservable input (level 3)."
       }
      }
     },
     "auth_ref": [
      "r788",
      "r797"
     ]
    },
    "us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Asset, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]",
        "label": "Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Asset, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]",
        "documentation": "Indicates line item in statement in which other comprehensive income (OCI) is reported that includes gain (loss) from asset measured at fair value using unobservable input (level 3)."
       }
      }
     },
     "auth_ref": [
      "r789",
      "r797"
     ]
    },
    "us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]",
        "label": "Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]",
        "documentation": "Disclosure of information about location and fair value of derivative instrument and nonderivative instrument designated as hedging instrument."
       }
      }
     },
     "auth_ref": [
      "r86",
      "r88",
      "r98"
     ]
    },
    "us-gaap_FederalDepositInsuranceCorporationPremiumExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FederalDepositInsuranceCorporationPremiumExpense",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets",
       "weight": 1.0,
       "order": 3.0
      },
      "http://www.salliemae.com/role/SegmentReportingDetails": {
       "parentTag": "us-gaap_OperatingExpenses",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FDIC assessment fees",
        "label": "Federal Deposit Insurance Corporation Premium Expense",
        "documentation": "Amount of expense for Federal Deposit Insurance Corporation (FDIC) insurance."
       }
      }
     },
     "auth_ref": [
      "r195"
     ]
    },
    "us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FFELP Loans",
        "verboseLabel": "FFELP Loans",
        "label": "Federal Family Education Loan Program (FFELP) Guaranteed Loans [Member]",
        "documentation": "Guarantee by the U.S. government for government insured loans under the Federal Family Education Loan Program (FFELP)."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinanceLoansAndLeasesReceivablePolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinanceLoansAndLeasesReceivablePolicy",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans Held for Investment",
        "label": "Financing Receivable [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for financing receivable."
       }
      }
     },
     "auth_ref": [
      "r213",
      "r216",
      "r217",
      "r222",
      "r226",
      "r439",
      "r1395",
      "r1396",
      "r1397",
      "r1398",
      "r1403",
      "r1404"
     ]
    },
    "slm_FinanceReceivableTransferredToHeldForSaleLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinanceReceivableTransferredToHeldForSaleLineItems",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Finance Receivable Transferred To Held For Sale [Line Items]",
        "label": "Finance Receivable Transferred To Held For Sale [Line Items]",
        "documentation": "Finance Receivable Transferred To Held For Sale [Line Items]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancialAssetEqualToOrGreaterThan60DaysPastDueMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "60 Days or Greater Past Due",
        "label": "Financial Asset, Equal To Or Greater Than 60 Days Past Due [Member]",
        "documentation": "Financial Asset, Equal To Or Greater Than 60 Days Past Due"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancialAssetNotPastDueMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancialAssetNotPastDueMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan delinquent, current",
        "verboseLabel": "Current",
        "label": "Financial Asset, Not Past Due [Member]",
        "documentation": "Financial asset not past due."
       }
      }
     },
     "auth_ref": [
      "r497",
      "r1158"
     ]
    },
    "us-gaap_FinancialInstrumentAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancialInstrumentAxis",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail",
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails",
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails",
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Instrument [Axis]",
        "label": "Financial Instrument [Axis]",
        "documentation": "Information by type of financial instrument."
       }
      }
     },
     "auth_ref": [
      "r443",
      "r444",
      "r445",
      "r446",
      "r447",
      "r448",
      "r449",
      "r450",
      "r451",
      "r452",
      "r453",
      "r454",
      "r455",
      "r456",
      "r457",
      "r458",
      "r459",
      "r460",
      "r461",
      "r462",
      "r463",
      "r464",
      "r465",
      "r466",
      "r467",
      "r468",
      "r469",
      "r470",
      "r471",
      "r472",
      "r491",
      "r493",
      "r497",
      "r498",
      "r505",
      "r516",
      "r521",
      "r522",
      "r606",
      "r622",
      "r768",
      "r803",
      "r838",
      "r839",
      "r840",
      "r841",
      "r842",
      "r843",
      "r844",
      "r845",
      "r846",
      "r847",
      "r848",
      "r849",
      "r850",
      "r852",
      "r853",
      "r855",
      "r856",
      "r857",
      "r858",
      "r859",
      "r860",
      "r861",
      "r862",
      "r863",
      "r864",
      "r865",
      "r866",
      "r867",
      "r868",
      "r869",
      "r949",
      "r1159",
      "r1184",
      "r1186",
      "r1188",
      "r1189",
      "r1190",
      "r1191",
      "r1192",
      "r1193",
      "r1194",
      "r1197",
      "r1345",
      "r1346",
      "r1347",
      "r1348",
      "r1349",
      "r1350",
      "r1351",
      "r1414",
      "r1415",
      "r1416",
      "r1417",
      "r1565",
      "r1568",
      "r1569",
      "r1570",
      "r1577",
      "r1580"
     ]
    },
    "us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Earning assets:",
        "label": "Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest-bearing liabilities:",
        "label": "Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancialLiabilitiesFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancialLiabilitiesFairValueDisclosure",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total interest-bearing liabilities",
        "label": "Financial Liabilities Fair Value Disclosure",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1566",
      "r1567",
      "r1577"
     ]
    },
    "slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total interest-bearing liabilities, difference",
        "label": "Financial Liabilities Fair Value Disclosure, Difference Between Carrying Value and Fair Value",
        "documentation": "Financial Liabilities Fair Value Disclosure, Difference Between Carrying Value and Fair Value"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total accrued interest by origination vintage, Year 6",
        "label": "Financing Receivable, Accrued Interest, Origination Interest, Originated Five or More Years before Latest Fiscal Year",
        "documentation": "Financing Receivable, Accrued Interest, Origination Interest, Originated Five or More Years before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total accrued interest by origination vintage",
        "label": "Financing Receivable, Accrued Interest, Origination Vintage, before Allowance for Credit Loss",
        "documentation": "Financing Receivable, Accrued Interest, Origination Vintage, before Allowance for Credit Loss"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total accrued interest by origination vintage, Year 5",
        "label": "Financing Receivable, Accrued interest, Origination Vintage, Originated Four Years before Latest Fiscal Year",
        "documentation": "Financing Receivable, Accrued interest, Origination Vintage, Originated Four Years before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total accrued interest by origination vintage, Year 1",
        "label": "Financing Receivable, Accrued Interest, Origination Vintage, Originated in Current Fiscal Year",
        "documentation": "Financing Receivable, Accrued Interest, Origination Vintage, Originated in Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total accrued interest by origination vintage, Year 2",
        "label": "Financing Receivable, Accrued Interest, Origination Vintage, Originated in Fiscal Year before Latest Fiscal Year",
        "documentation": "Financing Receivable, Accrued Interest, Origination Vintage, Originated in Fiscal Year before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total accrued interest by origination vintage, Year 4",
        "label": "Financing Receivable, Accrued interest, Origination Vintage, Originated Three Years before Latest Fiscal Year",
        "documentation": "Financing Receivable, Accrued interest, Origination Vintage, Originated Three Years before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "slm_FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total accrued interest by origination vintage, Year 3",
        "label": "Financing Receivable, Accrued interest, Origination Vintage, Originated Two Years before Latest Fiscal Year",
        "documentation": "Financing Receivable, Accrued interest, Origination Vintage, Originated Two Years before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans, net, Year 6",
        "label": "Financing Receivable, after Allowance for Credit Loss, Originated Five Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, after Allowance for Credit Loss, Originated Five Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans, net, Year 5",
        "label": "Financing Receivable, after Allowance for Credit Loss, Originated Four Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, after Allowance for Credit Loss, Originated Four Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans, net, Year 1",
        "label": "Financing Receivable, after Allowance for Credit Loss, Originated In Current Fiscal Year",
        "documentation": "Financing Receivable, after Allowance for Credit Loss, Originated In Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans, net, Year 2",
        "label": "Financing Receivable, after Allowance for Credit Loss, Originated In Fiscal Year Before Latest Fiscal Year",
        "documentation": "Financing Receivable, after Allowance for Credit Loss, Originated In Fiscal Year Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans, net, Year 4",
        "label": "Financing Receivable, after Allowance for Credit Loss, Originated Three Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, after Allowance for Credit Loss, Originated Three Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans, net, Year 3",
        "label": "Financing Receivable, after Allowance for Credit Loss, Originated Two Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, after Allowance for Credit Loss, Originated Two Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails",
      "http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails",
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance for loan losses",
        "negatedLabel": "Allowance for loan losses",
        "periodStartLabel": "Allowance for loan losses, beginning balance",
        "periodEndLabel": "Allowance for loan losses, ending balance",
        "negatedTotalLabel": "Private Education Loans allowance for losses",
        "verboseLabel": "Allowance for credit losses on loans and leases",
        "label": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest",
        "documentation": "Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r1419"
     ]
    },
    "slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total provisions",
        "label": "Financing Receivable, Allowance For Credit Loss, Excluding Accrued Interest, Period Increase (Decrease) Before Write-Off (Recovery)",
        "documentation": "Financing Receivable, Allowance For Credit Loss, Excluding Accrued Interest, Period Increase (Decrease) Before Write-Off (Recovery)"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Current period gross charge-offs, Year 6",
        "label": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Five Or More Years Before Latest Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Five Or More Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Current period gross charge-offs, Year 5",
        "label": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Four Years Before Latest Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Four Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Current period gross charge-offs, Year 1",
        "label": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Current period gross charge-offs, Year 2",
        "label": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Fiscal Year Before Latest Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated In Fiscal Year Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Current period gross charge-offs, Year 4",
        "label": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Three Years Before Latest Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Three Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Current period gross charge-offs, Year 3",
        "label": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Two Years Before Latest Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest, Writeoff, Originated Two Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Private Education Loans allowance for losses, Year 2",
        "label": "Financing Receivable, Allowance For Credit Loss, Originated Fiscal Year Before Latest Fiscal Year",
        "documentation": "Financing Receivable, Allowance For Credit Loss, Originated Fiscal Year Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Private Education Loans allowance for losses, Year 6",
        "label": "Financing Receivable, Allowance For Credit Loss, Originated Five Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance For Credit Loss, Originated Five Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Private Education Loans allowance for losses, Year 5",
        "label": "Financing Receivable, Allowance For Credit Loss, Originated Four Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance For Credit Loss, Originated Four Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Private Education Loans allowance for losses, Year 1",
        "label": "Financing Receivable, Allowance For Credit Loss, Originated In Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance For Credit Loss, Originated In Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Private Education Loans allowance for losses, Year 4",
        "label": "Financing Receivable, Allowance For Credit Loss, Originated Three Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance For Credit Loss, Originated Three Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Private Education Loans allowance for losses, Year 3",
        "label": "Financing Receivable, Allowance For Credit Loss, Originated Two Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance For Credit Loss, Originated Two Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Current period recoveries, Year 6",
        "label": "Financing Receivable, Allowance for Credit Loss, Recovery, Originated Five Or More Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Recovery, Originated Five Or More Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Current period recoveries, Year 5",
        "label": "Financing Receivable, Allowance for Credit Loss, Recovery, Originated Four Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Recovery, Originated Four Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Current period recoveries, Year 1",
        "label": "Financing Receivable, Allowance for Credit Loss, Recovery, Originated In Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Recovery, Originated In Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Current period recoveries, Year 2",
        "label": "Financing Receivable, Allowance for Credit Loss, Recovery, Originated In Fiscal Year Before Latest Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Recovery, Originated In Fiscal Year Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Current period recoveries, Year 4",
        "label": "Financing Receivable, Allowance for Credit Loss, Recovery, Originated Three Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Recovery, Originated Three Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Current period recoveries, Year 3",
        "label": "Financing Receivable, Allowance for Credit Loss, Recovery, Originated Two Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Recovery, Originated Two Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Current period net charge-offs, Year 6",
        "label": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Five Or More Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Five Or More Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Current period net charge-offs, Year 5",
        "label": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Four Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Four Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Current period net charge-offs, Year 1",
        "label": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated In Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated In Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Current period net charge-offs, Year 2",
        "label": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated In Fiscal Year Before Latest Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated In Fiscal Year Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Current period net charge-offs, Year 4",
        "label": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Three Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Three Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Current period net charge-offs, Year 3",
        "label": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Two Years Before Current Fiscal Year",
        "documentation": "Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery, Originated Two Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reduction to retained earnings",
        "label": "Financing Receivable, Allowance for Credit Losses, Effect of Change in Method",
        "documentation": "The effect of a change in method or methods for calculating the allowance for credit losses on the current period provision."
       }
      }
     },
     "auth_ref": [
      "r215"
     ]
    },
    "us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableAllowanceForCreditLossesRollForward",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Allowance for Credit Loss [Roll Forward]",
        "label": "Financing Receivable, Allowance for Credit Loss [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableAllowanceForCreditLossesWriteOffs",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Charge-off",
        "label": "Financing Receivable, Allowance for Credit Loss, Writeoff",
        "documentation": "Amount of writeoff of financing receivable, charged against allowance for credit loss."
       }
      }
     },
     "auth_ref": [
      "r214",
      "r495",
      "r507",
      "r1157"
     ]
    },
    "slm_FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Expense (reversal) financial receivable and off-balance sheet",
        "label": "Financing Receivable And Off-Balance Sheet, Credit Loss, Expense (Reversal)",
        "documentation": "Financing Receivable And Off-Balance Sheet, Credit Loss, Expense (Reversal)"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans sold",
        "label": "Financing Receivable And Off-Balance Sheet, Excluding Accrued Interest, Before Allowance For Credit Loss, Loan Sold",
        "documentation": "Financing Receivable And Off-Balance Sheet, Excluding Accrued Interest, Before Allowance For Credit Loss, Loan Sold"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss",
       "weight": -1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 11.0
      },
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Less: provisions for credit losses",
        "terseLabel": "Provisions for credit losses",
        "totalLabel": "Provisions for credit losses",
        "label": "Financing Receivable And Off-Balance Sheet, Excluding Accrued Interest, Credit Loss, Expense (Reversal)",
        "documentation": "Financing Receivable And Off-Balance Sheet, Excluding Accrued Interest, Credit Loss, Expense (Reversal)"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableBeforeAllowanceForCreditLossAverageBalance": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableBeforeAllowanceForCreditLossAverageBalance",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Average Balance",
        "label": "Financing Receivable, Before Allowance For Credit Loss, Average Balance",
        "documentation": "Financing Receivable, Before Allowance For Credit Loss, Average Balance"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableChangeInContractualRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableChangeInContractualRate",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Average contractual rate",
        "label": "Financing Receivable, Change in Contractual Rate",
        "documentation": "Financing Receivable, Change in Contractual Rate"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableCreditLossExpenseReversalCommitments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableCreditLossExpenseReversalCommitments",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails": {
       "parentTag": "slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total Private Education Loan provisions for credit losses",
        "label": "Financing Receivable, Credit Loss, Expense (Reversal), Commitments",
        "documentation": "Financing Receivable, Credit Loss, Expense (Reversal), Commitments"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableCreditLossExpenseReversalExistingCommitments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableCreditLossExpenseReversalExistingCommitments",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails": {
       "parentTag": "slm_FinancingReceivableCreditLossExpenseReversalCommitments",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Provisions for unfunded loan commitments",
        "label": "Financing Receivable, Credit Loss, Expense (Reversal), Existing Commitments",
        "documentation": "Financing Receivable, Credit Loss, Expense (Reversal), Existing Commitments"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableCreditLossExpenseReversalNewCommitments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableCreditLossExpenseReversalNewCommitments",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails": {
       "parentTag": "slm_FinancingReceivableCreditLossExpenseReversalCommitments",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Provisions for loan losses",
        "label": "Financing Receivable, Credit Loss, Expense (Reversal), New Commitments",
        "documentation": "Financing Receivable, Credit Loss, Expense (Reversal), New Commitments"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableCreditLossExpenseReversalOtherImpacts": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableCreditLossExpenseReversalOtherImpacts",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails": {
       "parentTag": "slm_FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other impacts to the provisions for credit losses:",
        "label": "Financing Receivable, Credit Loss, Expense (Reversal), Other Impacts",
        "documentation": "Financing Receivable, Credit Loss, Expense (Reversal), Other Impacts"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableCreditQualityIndicatorsTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Private Education Loan Portfolio Stratified by Key Credit Quality Indicators",
        "label": "Financing Receivable Credit Quality Indicators [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r218",
      "r1422"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans held for investment (net of allowance for losses of $1,435,920 and $1,339,772, respectively)",
        "verboseLabel": "Loans held for investment, net",
        "totalLabel": "Private Education Loans, net",
        "label": "Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss",
        "documentation": "Amortized cost excluding accrued interest, after allowance for credit loss, of financing receivable. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r1419"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Loan sale reduction to provision",
        "terseLabel": "Financing receivable, excluding accrued interest, allowance for credit loss, loan sold",
        "label": "Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Loan Sold",
        "documentation": "Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from sale of loan. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r1420"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Recoveries",
        "totalLabel": "Current period recoveries, total",
        "label": "Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery",
        "documentation": "Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r496"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Charge-offs",
        "negatedTotalLabel": "Current period recoveries, total",
        "label": "Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff",
        "documentation": "Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r495",
      "r507"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Net charge-offs",
        "negatedTotalLabel": "Current period net charge-offs, total",
        "label": "Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)",
        "documentation": "Amount, excluding accrued interest, of decrease (increase) in allowance for credit loss on financing receivable from writeoff (recovery). Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r1420"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan type",
        "totalLabel": "Loan type",
        "label": "Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss",
        "documentation": "Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r502",
      "r506",
      "r1419"
     ]
    },
    "slm_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans",
        "label": "Financing Receivable, Excluding Accrued Interest, Before Allowance For Credit Losses, Loan Modifications, Amortized Cost",
        "documentation": "Financing Receivable, Excluding Accrued Interest, Before Allowance For Credit Losses, Loan Modifications, Amortized Cost"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Provision for current period",
        "label": "Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal)",
        "documentation": "Amount, excluding accrued interest, of credit loss expense (reversal of expense) on financing receivable. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r494"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestModifiedAccumulated",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, excluding accrued interest, modified, accumulated",
        "label": "Financing Receivable, Excluding Accrued Interest, Modified, Accumulated",
        "documentation": "Accumulated amortized cost excluding accrued interest, of financing receivable modified for debtor experiencing financial difficulty."
       }
      }
     },
     "auth_ref": [
      "r1399"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "After Year 5",
        "label": "Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r502",
      "r507",
      "r1157"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Write-downs arising from transfer of loans to held for sale",
        "label": "Financing Receivable, Excluding Accrued Interest, Reclassification to Held-for-Sale",
        "documentation": "Amount excluding accrued interest, of financing receivable reclassified to held-for-sale. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r492"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Loans transferred to held-for-sale",
        "label": "Financing Receivable, Excluding Accrued Interest, Transfer out, Allowance for Credit Loss, Expense Reversal",
        "documentation": "Amount, excluding accrued interest, of reversal of credit loss expense on financing receivable transferred out of held-for-investment into held-for-sale classification. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r434",
      "r1113"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Year 5",
        "label": "Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable originated four years prior to current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r502",
      "r507",
      "r1157"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Year 4",
        "label": "Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable originated three years prior to current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r502",
      "r507",
      "r1157"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Year 1",
        "label": "Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable originated in current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r502",
      "r507",
      "r1157"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Year 3",
        "label": "Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable originated two years prior to current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r502",
      "r507",
      "r1157"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Year 2",
        "label": "Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year",
        "documentation": "Amortized cost excluding accrued interest of financing receivable originated in fiscal year prior to current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r502",
      "r507",
      "r1157"
     ]
    },
    "slm_FinancingReceivableIncrementsInWhichForbearanceIsGranted": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableIncrementsInWhichForbearanceIsGranted",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Increments in which forbearance is granted",
        "label": "Financing Receivable, Increments In Which Forbearance Is Granted",
        "documentation": "Financing Receivable, Increments In Which Forbearance Is Granted"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Private Education Loans in forbearance, total",
        "label": "Financing Receivable, Loans In Forbearance, before Allowance for Credit Loss",
        "documentation": "Financing Receivable, Loans In Forbearance, before Allowance for Credit Loss"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans in forbearance, Year 1",
        "label": "Financing Receivable, Loans In Forbearance, Originated In Current Fiscal Year",
        "documentation": "Financing Receivable, Loans In Forbearance, Originated In Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans in forbearance, Year 5",
        "label": "Financing Receivable, Loans In Forbearance, Year Five, Originated, Four Years before Current Fiscal Year",
        "documentation": "Financing Receivable, Loans In Forbearance, Year Five, Originated, Four Years before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans in forbearance, Year 4",
        "label": "Financing Receivable, Loans In Forbearance, Year Four, Originated, Three Years before Current Fiscal Year",
        "documentation": "Financing Receivable, Loans In Forbearance, Year Four, Originated, Three Years before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans in forbearance, Year 6",
        "label": "Financing Receivable, Loans In Forbearance, Year Six, Originated, More Than Six Years before Current Fiscal Year",
        "documentation": "Financing Receivable, Loans In Forbearance, Year Six, Originated, More Than Six Years before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans in forbearance, Year 3",
        "label": "Financing Receivable, Loans In Forbearance, Year Three, Originated, Two Years before Current Fiscal Year",
        "documentation": "Financing Receivable, Loans In Forbearance, Year Three, Originated, Two Years before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans in forbearance, Year 2",
        "label": "Financing Receivable, Loans In Forbearance, Year Two, Originated, Fiscal Year before Current Fiscal Year",
        "documentation": "Financing Receivable, Loans In Forbearance, Year Two, Originated, Fiscal Year before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing receivable, excluding accrued interest, modified in period, to total financing receivables, percentage",
        "label": "Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage",
        "documentation": "Percentage, excluding accrued interest, of financing receivable modified during period for debtor experiencing financial difficulty to total financing receivables."
       }
      }
     },
     "auth_ref": [
      "r435"
     ]
    },
    "us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableModificationToTotalFinancingReceivablesPercent",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing receivable, modified in period, to total financing receivables, percentage",
        "label": "Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage",
        "documentation": "Percentage of financing receivable modified during period for debtor experiencing financial difficulty to total financing receivables."
       }
      }
     },
     "auth_ref": [
      "r435",
      "r1151"
     ]
    },
    "us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableModificationsPostModificationRecordedInvestment2",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing receivable, ,modified in period, amount",
        "label": "Financing Receivable, Modified in Period, Amount",
        "documentation": "Amortized cost of financing receivable modified during period for debtor experiencing financial difficulty."
       }
      }
     },
     "auth_ref": [
      "r220",
      "r435",
      "r1151"
     ]
    },
    "us-gaap_FinancingReceivableModificationsRecordedInvestment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableModificationsRecordedInvestment",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing receivable, modified, accumulated",
        "label": "Financing Receivable, Modified, Accumulated",
        "documentation": "Accumulated amortized cost of financing receivable modified for debtor experiencing financial difficulty."
       }
      }
     },
     "auth_ref": [
      "r220",
      "r229",
      "r1399"
     ]
    },
    "us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Period-end Amortized Cost Basis",
        "label": "Financing Receivable, Modified, Subsequent Default",
        "documentation": "Amortized cost of financing receivable with payment default in current period and modified within previous 12 months preceding payment default for debtor experiencing financial difficulty."
       }
      }
     },
     "auth_ref": [
      "r221",
      "r438",
      "r1151"
     ]
    },
    "slm_FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amortization cost basis",
        "label": "Financing Receivable, Modified in Period, Subsequently Charged Off, Amount",
        "documentation": "Financing Receivable, Modified in Period, Subsequently Charged Off, Amount"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableModifiedSubsequentDefaultTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Modified, Subsequent Default",
        "label": "Financing Receivable, Modified, Subsequent Default [Table Text Block]",
        "documentation": "Tabular disclosure of financing receivable with payment default and modified within previous 12 months preceding payment default for debtor experiencing financial difficulty."
       }
      }
     },
     "auth_ref": [
      "r1151",
      "r1400"
     ]
    },
    "us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing receivable, modified, weighted average term increase for modification",
        "label": "Financing Receivable, Modified, Weighted Average Term Increase from Modification",
        "documentation": "Period of increase in weighted average maturity of financing receivable modified for debtor experiencing financial difficulty, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": [
      "r1151"
     ]
    },
    "slm_FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Maximum amount of forbearance granted",
        "label": "Financing Receivable, Month Limit On Forbearance Granted, Life Of Loan",
        "documentation": "Financing Receivable, Month Limit On Forbearance Granted, Life Of Loan"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Period that delinquent borrowers can participate in certain short-term interest-only payment alternatives, option one",
        "label": "Financing Receivable, Number Of Interest-Only Repayment Alternatives Available to Delinquent Borrowers, Period, Option 1",
        "documentation": "Financing Receivable, Number Of Interest-Only Repayment Alternatives Available to Delinquent Borrowers, Period, Option 1"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Period that delinquent borrowers can participate in certain short-term interest-only payment alternatives, option two",
        "label": "Financing Receivable, Number Of Interest-Only Repayment Alternatives Available to Delinquent Borrowers, Period, Option 2",
        "documentation": "Financing Receivable, Number Of Interest-Only Repayment Alternatives Available to Delinquent Borrowers, Period, Option 2"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants": {
     "xbrltype": "integerItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of monthly payments required by a borrower between successive grants of forbearance",
        "label": "Financing Receivable, Number Of Monthly Payments Required Between Forbearance Grants",
        "documentation": "Financing Receivable, Number Of Monthly Payments Required Between Forbearance Grants"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants": {
     "xbrltype": "integerItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of payments required by a borrower between successive grants of forbearance",
        "label": "Financing Receivable, Number Of Payments Required Between Forbearance Grants",
        "documentation": "Financing Receivable, Number Of Payments Required Between Forbearance Grants"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Period of positive payment performance required by a borrower between successive grants of forbearance",
        "label": "Financing Receivable, Period Of Positive Payment Performance Required Between Forbearance Grants",
        "documentation": "Financing Receivable, Period Of Positive Payment Performance Required Between Forbearance Grants"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivablePortfolioSegmentAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivablePortfolioSegmentAxis",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable Portfolio Segment [Axis]",
        "label": "Financing Receivable Portfolio Segment [Axis]",
        "documentation": "Information by the level at which an entity develops and documents a systematic methodology to determine its allowance for credit losses."
       }
      }
     },
     "auth_ref": [
      "r255",
      "r256",
      "r259",
      "r260",
      "r491",
      "r493",
      "r1152",
      "r1345",
      "r1346",
      "r1347",
      "r1348",
      "r1349",
      "r1350",
      "r1351",
      "r1353",
      "r1354",
      "r1355"
     ]
    },
    "us-gaap_FinancingReceivablePortfolioSegmentDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivablePortfolioSegmentDomain",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable Portfolio Segment [Domain]",
        "label": "Financing Receivable Portfolio Segment [Domain]",
        "documentation": "Level at which an entity develops and documents a systematic methodology to determine its allowance for credit losses."
       }
      }
     },
     "auth_ref": [
      "r255",
      "r256",
      "r259",
      "r260",
      "r1345",
      "r1346",
      "r1347",
      "r1348",
      "r1349",
      "r1350",
      "r1351",
      "r1353",
      "r1354",
      "r1355"
     ]
    },
    "us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Ninety or more days delinquent",
        "label": "Financing Receivable, 90 Days or More Past Due, Still Accruing",
        "documentation": "Amortized cost of financing receivable 90 days or more past due and still accruing. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r224",
      "r499",
      "r1158"
     ]
    },
    "us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Class of Financing Receivable [Axis]",
        "label": "Class of Financing Receivable [Axis]",
        "documentation": "Information by class of financing receivable determined on the basis of initial measurement attribute, risk characteristics and method of monitoring and assessing credit risk."
       }
      }
     },
     "auth_ref": [
      "r219",
      "r223",
      "r225",
      "r228",
      "r255",
      "r256",
      "r259",
      "r260",
      "r434",
      "r435",
      "r436",
      "r437",
      "r438",
      "r497",
      "r498",
      "r505",
      "r1151",
      "r1153",
      "r1154",
      "r1157",
      "r1158",
      "r1345",
      "r1346",
      "r1347",
      "r1348",
      "r1349",
      "r1350",
      "r1351",
      "r1353",
      "r1354",
      "r1355",
      "r1402"
     ]
    },
    "us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Class of Financing Receivable [Domain]",
        "label": "Class of Financing Receivable [Domain]",
        "documentation": "Financing receivables determined on the basis of initial measurement attribute, risk characteristics and method of monitoring and assessing credit risk."
       }
      }
     },
     "auth_ref": [
      "r228",
      "r255",
      "r256",
      "r259",
      "r260",
      "r434",
      "r435",
      "r436",
      "r437",
      "r438",
      "r1151",
      "r1345",
      "r1346",
      "r1347",
      "r1348",
      "r1349",
      "r1350",
      "r1351",
      "r1353",
      "r1354",
      "r1355",
      "r1402"
     ]
    },
    "us-gaap_FinancingReceivableSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableSale",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total Private Education Loans sold",
        "terseLabel": "Total Private Education Loans sold",
        "label": "Financing Receivable, Sale",
        "documentation": "Amount of decrease in financing receivable from sale. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r492"
     ]
    },
    "slm_FinancingReceivableSaleAccruedInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableSaleAccruedInterest",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing receivable, sale, accrued interest",
        "label": "Financing Receivable, Sale, Accrued Interest",
        "documentation": "Financing Receivable, Sale, Accrued Interest"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableSaleCapitalizedInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableSaleCapitalizedInterest",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails": {
       "parentTag": "us-gaap_FinancingReceivableSale",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Capitalized interest",
        "label": "Financing Receivable, Sale, Capitalized Interest",
        "documentation": "Financing Receivable, Sale, Capitalized Interest"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableSalePrincipal": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableSalePrincipal",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails": {
       "parentTag": "us-gaap_FinancingReceivableSale",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan principal",
        "label": "Financing Receivable, Sale, Principal",
        "documentation": "Financing Receivable, Sale, Principal"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest rate offered to borrowers facing financial difficulty",
        "label": "Financing Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status",
        "documentation": "Financing Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest rate offered to borrowers facing financial difficulty, duration",
        "label": "Financing Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status, Duration",
        "documentation": "Financing Receivable, Temporary Interest Rate Reduction, Financial Difficulty Status, Duration"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing receivable allowance for credit loss, transfer to held-to-sale",
        "label": "Financing Receivable, Transfer to Held-for-Sale, Allowance for Credit Loss, Expense Reversal",
        "documentation": "Amount of expense reversal of allowance for credit loss on financing receivable transferred to held-for-sale classification."
       }
      }
     },
     "auth_ref": [
      "r434",
      "r1113"
     ]
    },
    "us-gaap_FinancingReceivables30To59DaysPastDueMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivables30To59DaysPastDueMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan delinquent 30-59 days",
        "verboseLabel": "30-59 Days Past Due",
        "label": "Financial Asset, 30 to 59 Days Past Due [Member]",
        "documentation": "Financial asset more than 29 days past due but fewer than 60 days past due."
       }
      }
     },
     "auth_ref": [
      "r1158"
     ]
    },
    "us-gaap_FinancingReceivables60To89DaysPastDueMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivables60To89DaysPastDueMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan delinquent 60-89 days",
        "verboseLabel": "60-89 Days Past Due",
        "label": "Financial Asset, 60 to 89 Days Past Due [Member]",
        "documentation": "Financial asset more than 59 days past due but fewer than 90 days past due."
       }
      }
     },
     "auth_ref": [
      "r1158"
     ]
    },
    "slm_FinancingReceivablesAmortizedCostBasisTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FinancingReceivablesAmortizedCostBasisTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Amortized Cost Basis of Financing Receivables",
        "label": "Financing Receivables, Amortized Cost Basis [Table Text Block]",
        "documentation": "Financing Receivables, Amortized Cost Basis"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivablesEqualToGreaterThan90DaysPastDueMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan delinquent 90 days or greater past due",
        "verboseLabel": "90 Days or Greater Past Due",
        "label": "Financial Asset, Equal to or Greater than 90 Days Past Due [Member]",
        "documentation": "Financial asset equal to or greater than 90 days past due."
       }
      }
     },
     "auth_ref": [
      "r1158"
     ]
    },
    "us-gaap_FinancingReceivablesPeriodPastDueAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivablesPeriodPastDueAxis",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Asset, Period Past Due [Axis]",
        "label": "Financial Asset, Aging [Axis]",
        "documentation": "Information by period in which financial asset is past due or not past due."
       }
      }
     },
     "auth_ref": [
      "r225",
      "r497",
      "r1158"
     ]
    },
    "us-gaap_FinancingReceivablesPeriodPastDueDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinancingReceivablesPeriodPastDueDomain",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Asset, Period Past Due [Domain]",
        "label": "Financial Asset, Aging [Domain]",
        "documentation": "Period in which financial asset is past due or not past due. For past due, element name and standard label in Financial Asset, [numeric lower end] to [numeric higher end] [date measure] Past Due [Member] or Financial Asset, Greater than [low end numeric value] [date measure] Past Due [Member] or Financial Asset, Less than [high end numeric value] [date measure] Past Due [Member] formats."
       }
      }
     },
     "auth_ref": [
      "r225",
      "r497",
      "r1158"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetUsefulLife": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FiniteLivedIntangibleAssetUsefulLife",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Useful Life (in years)",
        "label": "Finite-Lived Intangible Asset, Useful Life",
        "documentation": "Useful life of finite-lived intangible assets, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FiniteLivedIntangibleAssetsAccumulatedAmortization",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails": {
       "parentTag": "us-gaap_FiniteLivedIntangibleAssetsNet",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Accumulated Amortization",
        "label": "Finite-Lived Intangible Assets, Accumulated Amortization",
        "documentation": "Accumulated amount of amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life."
       }
      }
     },
     "auth_ref": [
      "r302",
      "r525",
      "r543",
      "r1161"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Expected amortization of 2025",
        "label": "Finite-Lived Intangible Asset, Expected Amortization, Year One",
        "documentation": "Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized 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)."
       }
      }
     },
     "auth_ref": [
      "r545",
      "r1130",
      "r1161"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FiniteLivedIntangibleAssetsAmortizationExpenseYearThree",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Expected amortization of 2027",
        "label": "Finite-Lived Intangible Asset, Expected Amortization, Year Three",
        "documentation": "Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized 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)."
       }
      }
     },
     "auth_ref": [
      "r545",
      "r1130",
      "r1161"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Expected amortization of 2026",
        "label": "Finite-Lived Intangible Asset, Expected Amortization, Year Two",
        "documentation": "Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized 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)."
       }
      }
     },
     "auth_ref": [
      "r545",
      "r1130",
      "r1161"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FiniteLivedIntangibleAssetsByMajorClassAxis",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Finite-Lived Intangible Assets by Major Class [Axis]",
        "label": "Finite-Lived Intangible Assets by Major Class [Axis]",
        "documentation": "Information by major type or class of finite-lived intangible assets."
       }
      }
     },
     "auth_ref": [
      "r536",
      "r538",
      "r539",
      "r540",
      "r542",
      "r543",
      "r546",
      "r547",
      "r872",
      "r876",
      "r1130"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsGross": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FiniteLivedIntangibleAssetsGross",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails": {
       "parentTag": "us-gaap_FiniteLivedIntangibleAssetsNet",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cost Basis",
        "label": "Finite-Lived Intangible Assets, Gross",
        "documentation": "Amount before amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life."
       }
      }
     },
     "auth_ref": [
      "r525",
      "r543",
      "r876",
      "r1161"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FiniteLivedIntangibleAssetsLineItems",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Finite-Lived Intangible Assets [Line Items]",
        "label": "Finite-Lived Intangible Assets [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r536",
      "r543",
      "r546",
      "r547",
      "r548",
      "r872",
      "r1130",
      "r1161"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FiniteLivedIntangibleAssetsMajorClassNameDomain",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Finite-Lived Intangible Assets, Major Class Name [Domain]",
        "label": "Finite-Lived Intangible Assets, Major Class Name [Domain]",
        "documentation": "The major class of finite-lived intangible asset (for example, patents, trademarks, copyrights, etc.) A major class is composed of intangible assets that can be grouped together because they are similar, either by their nature or by their use in the operations of a company."
       }
      }
     },
     "auth_ref": [
      "r536",
      "r538",
      "r539",
      "r540",
      "r542",
      "r543",
      "r546",
      "r547",
      "r1130"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FiniteLivedIntangibleAssetsNet",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net",
        "label": "Finite-Lived Intangible Assets, Net",
        "documentation": "Amount after amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life."
       }
      }
     },
     "auth_ref": [
      "r872",
      "r1437"
     ]
    },
    "us-gaap_FinitelivedIntangibleAssetsAcquired1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FinitelivedIntangibleAssetsAcquired1",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Identifiable intangible assets aggregate fair value at acquisition date",
        "label": "Finite-Lived Intangible Assets Acquired",
        "documentation": "Amount of increase in assets, excluding financial assets, lacking physical substance with a definite life, from an acquisition."
       }
      }
     },
     "auth_ref": [
      "r538"
     ]
    },
    "us-gaap_FixedIncomeInterestRateMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FixedIncomeInterestRateMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Fixed-rate",
        "terseLabel": "Fixed-rate",
        "label": "Fixed Income Interest Rate [Member]",
        "documentation": "Trading in a derivative or nonderivative instrument that provides a return in the form of fixed periodic payments of interest and eventual return of principal at maturity."
       }
      }
     },
     "auth_ref": [
      "r92"
     ]
    },
    "slm_FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Monthly payment that is smaller than the interest accrued on the loan in that month",
        "label": "Fixed-Pay Loan, Monthly Payment Amount, Below Monthly Accrued Interest",
        "documentation": "Fixed-Pay Loan, Monthly Payment Amount, Below Monthly Accrued Interest"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FixedRateBorrowingsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FixedRateBorrowingsMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fixed-rate borrowings",
        "label": "Fixed Rate Borrowings [Member]",
        "documentation": "Fixed Rate Borrowings [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FloatingRateBorrowingsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FloatingRateBorrowingsMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Floating-rate borrowings",
        "label": "Floating Rate Borrowings [Member]",
        "documentation": "Floating Rate Borrowings [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Floating Rate Non-Cumulative Preferred Stock, Series B, par value $.20 per share",
        "label": "Floating Rate Non-Cumulative Preferred Stock, Series B, par value $.20 per share [Member]",
        "documentation": "Floating Rate Non-Cumulative Preferred Stock, Series B, par value $.20 per share"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Forgone Recovery due to Disqualification of Tax Benefits, Amount",
        "label": "Forgone Recovery due to Disqualification of Tax Benefits, Amount"
       }
      }
     },
     "auth_ref": [
      "r1252",
      "r1263",
      "r1273",
      "r1306"
     ]
    },
    "ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "ForgoneRecoveryDueToExpenseOfEnforcementAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Forgone Recovery due to Expense of Enforcement, Amount",
        "label": "Forgone Recovery due to Expense of Enforcement, Amount"
       }
      }
     },
     "auth_ref": [
      "r1252",
      "r1263",
      "r1273",
      "r1306"
     ]
    },
    "ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "ForgoneRecoveryDueToViolationOfHomeCountryLawAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Forgone Recovery due to Violation of Home Country Law, Amount",
        "label": "Forgone Recovery due to Violation of Home Country Law, Amount"
       }
      }
     },
     "auth_ref": [
      "r1252",
      "r1263",
      "r1273",
      "r1306"
     ]
    },
    "ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "ForgoneRecoveryExplanationOfImpracticabilityTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Forgone Recovery, Explanation of Impracticability",
        "label": "Forgone Recovery, Explanation of Impracticability [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1252",
      "r1263",
      "r1273",
      "r1306"
     ]
    },
    "ecd_ForgoneRecoveryIndName": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "ForgoneRecoveryIndName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Name",
        "label": "Forgone Recovery, Individual Name"
       }
      }
     },
     "auth_ref": [
      "r1252",
      "r1263",
      "r1273",
      "r1306"
     ]
    },
    "ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year",
        "label": "Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year [Member]"
       }
      }
     },
     "auth_ref": [
      "r1286"
     ]
    },
    "us-gaap_FurnitureAndFixturesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "FurnitureAndFixturesMember",
     "presentation": [
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Furniture, fixtures, and equipment",
        "label": "Furniture and Fixtures [Member]",
        "documentation": "Equipment commonly used in offices and stores that have no permanent connection to the structure of a building or utilities. Examples include, but are not limited to, desks, chairs, tables, and bookcases."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_GainLossOnDerivativeInstrumentsNetPretax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "GainLossOnDerivativeInstrumentsNetPretax",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_NoninterestIncome",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Losses on derivatives and hedging activities, net",
        "label": "Gain (Loss) on Derivative Instruments, Net, Pretax",
        "documentation": "Aggregate net gain (loss) on all derivative instruments recognized in earnings during the period, before tax effects."
       }
      }
     },
     "auth_ref": [
      "r87"
     ]
    },
    "us-gaap_GainLossOnFairValueHedgesRecognizedInEarnings": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "GainLossOnFairValueHedgesRecognizedInEarnings",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails": {
       "parentTag": "us-gaap_DerivativeGainLossOnDerivativeNet",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest recognized on derivatives",
        "label": "Gain (Loss) on Fair Value Hedges Recognized in Earnings",
        "documentation": "Total amount of gain (loss) derived from fair value hedges recognized in earnings in the period."
       }
      }
     },
     "auth_ref": [
      "r90"
     ]
    },
    "us-gaap_GainLossOnFairValueHedgesRecognizedInEarningsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "GainLossOnFairValueHedgesRecognizedInEarningsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Hedges",
        "label": "Gain (Loss) on Fair Value Hedges Recognized in Earnings [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_GainLossOnInvestmentsMember1": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "GainLossOnInvestmentsMember1",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gains (losses) on securities, net",
        "label": "Gain (Loss) on Investments [Member]",
        "documentation": "Primary financial statement caption encompassing gain (loss) on investments."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_GainLossOnSaleOfNotesReceivable": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "GainLossOnSaleOfNotesReceivable",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gain (loss) on sale of financing receivable",
        "label": "Gain (Loss) on Sale of Financing Receivable",
        "documentation": "Amount of gain (loss) on sale of financing receivable."
       }
      }
     },
     "auth_ref": [
      "r851"
     ]
    },
    "us-gaap_GainLossOnSalesOfLoansNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "GainLossOnSalesOfLoansNet",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_NoninterestIncome",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 23.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gains on sales of loans, net",
        "negatedTerseLabel": "Gains on sale of loans, net",
        "label": "Gain (Loss) on Sales of Loans, Net",
        "documentation": "The net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes."
       }
      }
     },
     "auth_ref": [
      "r7",
      "r193"
     ]
    },
    "us-gaap_GainLossOnSalesOfMortgageBackedSecuritiesMBS": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "GainLossOnSalesOfMortgageBackedSecuritiesMBS",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_NoninterestIncome",
       "weight": 1.0,
       "order": 4.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 12.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gains (losses) on securities, net",
        "negatedTerseLabel": "(Gains) losses on securities, net",
        "label": "Gain (Loss) on Sales of Mortgage-Backed Securities (MBS)",
        "documentation": "Net gain (loss) resulting from the sales of securitized, pay-through debt securities collateralized by real estate mortgage loans (mortgages)."
       }
      }
     },
     "auth_ref": [
      "r193"
     ]
    },
    "us-gaap_GainsLossesOnExtinguishmentOfDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "GainsLossesOnExtinguishmentOfDebt",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Loss on early extinguishment of unsecured debt",
        "label": "Gain (Loss) on Extinguishment of Debt",
        "documentation": "Difference between the fair value of payments made and the carrying amount of debt which is extinguished prior to maturity."
       }
      }
     },
     "auth_ref": [
      "r7",
      "r48",
      "r49"
     ]
    },
    "us-gaap_Goodwill": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "Goodwill",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Goodwill",
        "label": "Goodwill",
        "documentation": "Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized."
       }
      }
     },
     "auth_ref": [
      "r301",
      "r526",
      "r910",
      "r1147",
      "r1160",
      "r1185",
      "r1196",
      "r1427",
      "r1428"
     ]
    },
    "us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "GoodwillAndIntangibleAssetsDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Goodwill and Intangible Assets Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "GoodwillAndIntangibleAssetsDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssets"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Goodwill and Acquired Intangible Assets",
        "label": "Goodwill and Intangible Assets Disclosure [Text Block]",
        "documentation": "The entire disclosure for goodwill and intangible assets."
       }
      }
     },
     "auth_ref": [
      "r1426",
      "r1429"
     ]
    },
    "us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "GoodwillAndIntangibleAssetsPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Goodwill and Acquired Intangible Assets",
        "label": "Goodwill and Intangible Assets, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for goodwill and intangible assets. This accounting policy also may address how an entity assesses and measures impairment of goodwill and intangible assets."
       }
      }
     },
     "auth_ref": [
      "r1426",
      "r1429"
     ]
    },
    "slm_GreaterThanNinetyDaysPastDueAccruedInterestReceivable": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "GreaterThanNinetyDaysPastDueAccruedInterestReceivable",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAccruedInterestReceivableDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "90 Days or Greater Past Due",
        "label": "Greater Than Ninety Days Past Due Accrued Interest Receivable",
        "documentation": "Greater than ninety days past due accrued interest receivable."
       }
      }
     },
     "auth_ref": []
    },
    "slm_HedgeAccountingAdjustment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "HedgeAccountingAdjustment",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails": {
       "parentTag": "slm_DebtInstrumentFaceAmountAfterAdjustments",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Hedge accounting adjustments",
        "label": "Hedge Accounting Adjustment",
        "documentation": "Hedge Accounting Adjustment"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "HedgedAssetFairValueHedgeCumulativeIncreaseDecrease",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)",
        "label": "Hedged Asset, Fair Value Hedge, Cumulative Increase (Decrease)",
        "documentation": "Amount of cumulative increase (decrease) in fair value of hedged asset in fair value hedge, attributable to hedged risk."
       }
      }
     },
     "auth_ref": [
      "r754",
      "r1183"
     ]
    },
    "us-gaap_HedgedLiabilityFairValueHedge": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "HedgedLiabilityFairValueHedge",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsScheduleofHedgedItemsRecordedinStatementofFinancialPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Carrying Amount of the Hedged Assets/(Liabilities)",
        "label": "Hedged Liability, Fair Value Hedge",
        "documentation": "Amount of liability hedged in fair value hedging relationship."
       }
      }
     },
     "auth_ref": [
      "r753"
     ]
    },
    "us-gaap_HedgingDesignationAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "HedgingDesignationAxis",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Hedging Designation [Axis]",
        "label": "Hedging Designation [Axis]",
        "documentation": "Information by designation of purpose of derivative instrument."
       }
      }
     },
     "auth_ref": [
      "r15",
      "r752"
     ]
    },
    "us-gaap_HedgingDesignationDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "HedgingDesignationDomain",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Hedging Designation [Domain]",
        "label": "Hedging Designation [Domain]",
        "documentation": "Designation of purpose of derivative instrument."
       }
      }
     },
     "auth_ref": [
      "r15"
     ]
    },
    "us-gaap_HedgingRelationshipDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "HedgingRelationshipDomain",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Hedging Relationship [Domain]",
        "label": "Hedging Relationship [Domain]",
        "documentation": "Nature or intent of a hedge."
       }
      }
     },
     "auth_ref": [
      "r15"
     ]
    },
    "dei_IcfrAuditorAttestationFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "IcfrAuditorAttestationFlag",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "ICFR Auditor Attestation Flag",
        "label": "ICFR Auditor Attestation Flag"
       }
      }
     },
     "auth_ref": [
      "r1231",
      "r1232",
      "r1255"
     ]
    },
    "us-gaap_ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Impairment, Intangible Asset, Finite-Lived, Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "label": "Impairment, Intangible Asset, Finite-Lived, Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of income or comprehensive income that includes impairment of finite-lived intangible asset."
       }
      }
     },
     "auth_ref": [
      "r1130",
      "r1442"
     ]
    },
    "us-gaap_ImpairmentOfIntangibleAssetsFinitelived": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ImpairmentOfIntangibleAssetsFinitelived",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Impairment of intangible assets",
        "label": "Impairment of Intangible Assets, Finite-Lived",
        "documentation": "The amount of impairment loss recognized in the period resulting from the write-down of the carrying amount of a finite-lived intangible asset to fair value."
       }
      }
     },
     "auth_ref": [
      "r537",
      "r1373",
      "r1441"
     ]
    },
    "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_ProfitLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Income before income tax expense",
        "label": "Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r131",
      "r196",
      "r210",
      "r917",
      "r945",
      "r1141",
      "r1146",
      "r1388",
      "r1389",
      "r1390",
      "r1391",
      "r1392"
     ]
    },
    "slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails": {
       "parentTag": "us-gaap_ProfitLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Loss before income tax benefit and equity in net income from subsidiaries",
        "label": "Income (Loss) From Continuing Operations Before Income (loss) From Subsidiaries and Income Taxes",
        "documentation": "Income (Loss) From Continuing Operations Before Income (loss) From Subsidiaries and Income Taxes"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IncomeLossFromSubsidiariesNetOfTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncomeLossFromSubsidiariesNetOfTax",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails": {
       "parentTag": "us-gaap_ProfitLoss",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity in net income from subsidiaries (primarily Sallie Mae Bank)",
        "label": "Income (Loss) from Subsidiaries, Net of Tax",
        "documentation": "Amount after tax of income (loss) of subsidiary attributable to the parent entity."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IncomeStatementAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncomeStatementAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income Statement [Abstract]",
        "label": "Income Statement [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IncomeStatementLocationAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncomeStatementLocationAxis",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement of Income Location, Balance [Axis]",
        "label": "Statement of Income Location, Balance [Axis]",
        "documentation": "Information by location in statement of income where disaggregated amount has been reported."
       }
      }
     },
     "auth_ref": [
      "r551",
      "r558",
      "r560",
      "r788",
      "r792",
      "r797",
      "r966",
      "r968",
      "r1054",
      "r1130",
      "r1187",
      "r1607"
     ]
    },
    "us-gaap_IncomeStatementLocationDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncomeStatementLocationDomain",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement of Income Location, Balance [Domain]",
        "label": "Statement of Income Location, Balance [Domain]",
        "documentation": "Location in statement of income where disaggregated amount has been reported."
       }
      }
     },
     "auth_ref": [
      "r558",
      "r560",
      "r788",
      "r792",
      "r797",
      "r966",
      "r968",
      "r1054",
      "r1130",
      "r1187",
      "r1607"
     ]
    },
    "us-gaap_IncomeTaxDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncomeTaxDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income Tax Disclosure [Abstract]",
        "label": "Income Tax Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IncomeTaxDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncomeTaxDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxes"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income Taxes",
        "label": "Income Tax Disclosure [Text Block]",
        "documentation": "The entire disclosure for income tax."
       }
      }
     },
     "auth_ref": [
      "r349",
      "r680",
      "r685",
      "r690",
      "r691",
      "r692",
      "r699",
      "r704",
      "r713",
      "r715",
      "r718",
      "r719",
      "r994",
      "r1179"
     ]
    },
    "us-gaap_IncomeTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncomeTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_ProfitLoss",
       "weight": -1.0,
       "order": 2.0
      },
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails": {
       "parentTag": "us-gaap_ProfitLoss",
       "weight": -1.0,
       "order": 2.0
      },
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/IncomeTaxesComponentsofProvisionforIncomeTaxExpenseBenefitDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income tax expense",
        "totalLabel": "Provision for income tax expense",
        "verboseLabel": "Income tax benefit",
        "label": "Income Tax Expense (Benefit)",
        "documentation": "Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations."
       }
      }
     },
     "auth_ref": [
      "r240",
      "r251",
      "r367",
      "r368",
      "r392",
      "r408",
      "r423",
      "r684",
      "r685",
      "r714",
      "r953",
      "r1179"
     ]
    },
    "us-gaap_IncomeTaxPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncomeTaxPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income Taxes",
        "label": "Income Tax, Policy [Policy Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r328",
      "r682",
      "r683",
      "r699",
      "r700",
      "r703",
      "r705",
      "r988"
     ]
    },
    "us-gaap_IncomeTaxReceivable": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncomeTaxReceivable",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 9.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income taxes receivable, net",
        "label": "Income Taxes Receivable",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1365"
     ]
    },
    "us-gaap_IncomeTaxesPaid": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncomeTaxesPaid",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income taxes paid",
        "label": "Income Taxes Paid",
        "documentation": "Amount, before refund, of cash paid to foreign, federal, state, and local jurisdictions as income tax."
       }
      }
     },
     "auth_ref": [
      "r35",
      "r140",
      "r1374",
      "r1554",
      "r1555"
     ]
    },
    "us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncreaseDecreaseInAccruedIncomeTaxesPayable",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Increase (decrease) in income tax payable, net",
        "label": "Increase (Decrease) in Income Taxes Payable",
        "documentation": "The increase (decrease) during the period in the amount due for taxes based on the reporting entity's earnings or attributable to the entity's income earning process (business presence) within a given jurisdiction."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncreaseDecreaseInAccruedInterestReceivableNet",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 9.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Increase in accrued interest receivable",
        "label": "Increase (Decrease) in Accrued Interest Receivable, Net",
        "documentation": "The increase (decrease) during the reporting period in the amount due from borrowers for interest payments."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "us-gaap_IncreaseDecreaseInDueToRelatedParties": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncreaseDecreaseInDueToRelatedParties",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Decrease in payable due to entity that is a subsidiary of Navient",
        "label": "Increase (Decrease) in Due to Related Parties",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "us-gaap_IncreaseDecreaseInEquitySecuritiesFvNi": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncreaseDecreaseInEquitySecuritiesFvNi",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 16.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Increase in non-marketable securities",
        "label": "Increase (Decrease) in Equity Securities, FV-NI",
        "documentation": "Amount of increase (decrease) of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI)."
       }
      }
     },
     "auth_ref": [
      "r239",
      "r339"
     ]
    },
    "us-gaap_IncreaseDecreaseInInterestPayableNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncreaseDecreaseInInterestPayableNet",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 18.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Increase (decrease) in accrued interest payable",
        "label": "Increase (Decrease) in Interest Payable, Net",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "us-gaap_IncreaseDecreaseInOperatingAssetsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncreaseDecreaseInOperatingAssetsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Changes in operating assets and liabilities:",
        "label": "Increase (Decrease) in Operating Assets [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IncreaseDecreaseInOtherOperatingAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncreaseDecreaseInOtherOperatingAssets",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 12.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 15.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Increase in other assets",
        "negatedLabel": "Increase in other assets",
        "label": "Increase (Decrease) in Other Operating Assets",
        "documentation": "Amount of increase (decrease) in operating assets classified as other."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "us-gaap_IncreaseDecreaseInOtherOperatingLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncreaseDecreaseInOtherOperatingLiabilities",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 10.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 21.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Increase (decrease) in other liabilities",
        "verboseLabel": "Increase (decrease) in other liabilities",
        "label": "Increase (Decrease) in Other Operating Liabilities",
        "documentation": "Amount of increase (decrease) in operating liabilities classified as other."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "us-gaap_IncreaseDecreaseInStockholdersEquityRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncreaseDecreaseInStockholdersEquityRollForward",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Increase (Decrease) in Stockholders' Equity [Roll Forward]",
        "label": "Increase (Decrease) in Stockholders' Equity [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "slm_IncreaseDecreaseinDuefromSubsidiariesNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "IncreaseDecreaseinDuefromSubsidiariesNet",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 11.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Decrease in due from subsidiaries, net",
        "label": "Increase (Decrease) in Due from Subsidiaries, Net",
        "documentation": "Increase (Decrease) in Due from Subsidiaries, Net"
       }
      }
     },
     "auth_ref": []
    },
    "slm_IncreaseDecreaseinincometaxpayabletorelatedparty": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "IncreaseDecreaseinincometaxpayabletorelatedparty",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Increase (decrease) in income taxes payable, net",
        "label": "Increase (Decrease) in income tax payable to related party",
        "documentation": "Increase (Decrease) in income tax payable to related party"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IncrementalCommonSharesAttributableToShareBasedPaymentArrangements",
     "calculation": {
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails": {
       "parentTag": "us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Dilutive effect of stock options, restricted stock, restricted stock units, performance stock units, and Employee Stock Purchase Plan (\u201cESPP\u201d) (in shares)",
        "label": "Incremental Common Shares Attributable to Dilutive Effect of Share-Based Payment Arrangements",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r375",
      "r376",
      "r377",
      "r387",
      "r647"
     ]
    },
    "ecd_IndividualAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "IndividualAxis",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure",
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure",
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements",
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Individual:",
        "label": "Individual [Axis]"
       }
      }
     },
     "auth_ref": [
      "r1252",
      "r1263",
      "r1273",
      "r1297",
      "r1306",
      "r1310",
      "r1318"
     ]
    },
    "us-gaap_IndustryOfCounterpartyDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IndustryOfCounterpartyDomain",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Industry of Counterparty [Domain]",
        "label": "Industry of Counterparty [Domain]",
        "documentation": "The industry of the party or parties having primary responsibility to meet the obligations of the arrangement with the entity."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InformationTechnologyAndDataProcessing": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InformationTechnologyAndDataProcessing",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/SegmentReportingDetails": {
       "parentTag": "us-gaap_OperatingExpenses",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Technology expenses",
        "label": "Information Technology and Data Processing",
        "documentation": "The amount of expenses incurred in the period for information technology and data processing products and services."
       }
      }
     },
     "auth_ref": [
      "r134"
     ]
    },
    "ecd_InsiderTradingArrLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "InsiderTradingArrLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Insider Trading Arrangements [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1316"
     ]
    },
    "ecd_InsiderTradingPoliciesProcLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "InsiderTradingPoliciesProcLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Insider Trading Policies and Procedures [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1233",
      "r1322"
     ]
    },
    "ecd_InsiderTrdPoliciesProcAdoptedFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "InsiderTrdPoliciesProcAdoptedFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Insider Trading Policies and Procedures Adopted",
        "label": "Insider Trading Policies and Procedures Adopted [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1233",
      "r1322"
     ]
    },
    "ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "InsiderTrdPoliciesProcNotAdoptedTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Insider Trading Policies and Procedures Not Adopted",
        "label": "Insider Trading Policies and Procedures Not Adopted [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1233",
      "r1322"
     ]
    },
    "us-gaap_IntangibleAssetsNetIncludingGoodwill": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "IntangibleAssetsNetIncludingGoodwill",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 10.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Goodwill and acquired intangible assets, net",
        "label": "Intangible Assets, Net (Including Goodwill)",
        "documentation": "Amount, after impairment and amortization, of goodwill, indefinite-lived, and finite-lived intangible assets."
       }
      }
     },
     "auth_ref": [
      "r1425"
     ]
    },
    "us-gaap_InterestAndDividendIncomeOperating": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestAndDividendIncomeOperating",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_InterestIncomeExpenseNet",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total interest income",
        "terseLabel": "Interest income",
        "label": "Interest and Dividend Income, Operating",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r191",
      "r197",
      "r199",
      "r200",
      "r201",
      "r1647"
     ]
    },
    "us-gaap_InterestAndFeeIncomeLoansAndLeases": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestAndFeeIncomeLoansAndLeases",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_InterestAndDividendIncomeOperating",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans",
        "label": "Interest and Fee Income, Loans and Leases",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r191"
     ]
    },
    "us-gaap_InterestBearingDepositLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestBearingDepositLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails": {
       "parentTag": "us-gaap_Deposits",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails",
      "http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Deposits - interest-bearing",
        "totalLabel": "Deposits - interest-bearing",
        "label": "Interest-Bearing Deposit Liabilities",
        "documentation": "The aggregate of all domestic and foreign interest-bearing deposit liabilities."
       }
      }
     },
     "auth_ref": [
      "r182"
     ]
    },
    "us-gaap_InterestBearingDepositLiabilitiesDomesticByComponentAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestBearingDepositLiabilitiesDomesticByComponentAbstract",
     "presentation": [
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest-bearing Deposit Liabilities, Domestic, by Component [Abstract]",
        "label": "Interest-Bearing Deposit Liabilities, Domestic, by Component [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_InterestBearingDepositsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "InterestBearingDepositsTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/DepositsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Interest Bearing Deposits",
        "label": "Interest Bearing Deposits [Table Text Block]",
        "documentation": "[Table Text Block] for Interest Bearing Deposits [Table]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestBearingDomesticDepositMoneyMarket": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestBearingDomesticDepositMoneyMarket",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails": {
       "parentTag": "us-gaap_InterestBearingDepositLiabilities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Money market",
        "label": "Interest-Bearing Domestic Deposit, Money Market",
        "documentation": "Amount of interest-bearing domestic money market demand account deposit liabilities."
       }
      }
     },
     "auth_ref": [
      "r182"
     ]
    },
    "us-gaap_InterestBearingDomesticDepositSavings": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestBearingDomesticDepositSavings",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails": {
       "parentTag": "us-gaap_InterestBearingDepositLiabilities",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Savings",
        "label": "Interest-Bearing Domestic Deposit, Savings",
        "documentation": "Amount of interest-bearing domestic savings deposit liabilities. Saving deposits bear interest and have no stated maturity."
       }
      }
     },
     "auth_ref": [
      "r182"
     ]
    },
    "us-gaap_InterestBearingDomesticDepositTimeDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestBearingDomesticDepositTimeDeposits",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails": {
       "parentTag": "us-gaap_InterestBearingDepositLiabilities",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Certificates of deposit",
        "label": "Interest-Bearing Domestic Deposit, Time Deposits",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r182"
     ]
    },
    "us-gaap_InterestCostsCapitalized": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestCostsCapitalized",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accrued interest capitalized during the period",
        "label": "Interest Costs Capitalized",
        "documentation": "Amount of interest capitalized during the period."
       }
      }
     },
     "auth_ref": [
      "r820"
     ]
    },
    "us-gaap_InterestExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestExpense",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails": {
       "parentTag": "us-gaap_DerivativeGainLossOnDerivativeNet",
       "weight": -1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest expense",
        "label": "Interest Expense, Operating and Nonoperating",
        "documentation": "Amount of interest expense classified as operating and nonoperating. Includes, but is not limited to, cost of borrowing accounted for as interest expense."
       }
      }
     },
     "auth_ref": [
      "r392",
      "r400",
      "r404",
      "r410",
      "r423",
      "r819",
      "r1146",
      "r1147"
     ]
    },
    "us-gaap_InterestExpenseAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestExpenseAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest expense:",
        "label": "Interest Expense, Operating and Nonoperating [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestExpenseDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestExpenseDeposits",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_InterestExpenseOperating",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits",
        "label": "Interest Expense, Deposits",
        "documentation": "Aggregate amount of interest expense on all deposits."
       }
      }
     },
     "auth_ref": [
      "r202"
     ]
    },
    "us-gaap_InterestExpenseLongTermDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestExpenseLongTermDebt",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_InterestExpenseOperating",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest expense on long-term borrowings",
        "label": "Interest Expense, Long-Term Debt",
        "documentation": "Aggregate amount of interest paid or due on all long-term debt."
       }
      }
     },
     "auth_ref": [
      "r204",
      "r252",
      "r253"
     ]
    },
    "us-gaap_InterestExpenseOperating": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestExpenseOperating",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_InterestIncomeExpenseNet",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total interest expense",
        "terseLabel": "Interest expense",
        "label": "Interest Expense, Operating",
        "documentation": "Amount of interest expense classified as operating."
       }
      }
     },
     "auth_ref": [
      "r404",
      "r916",
      "r1369"
     ]
    },
    "us-gaap_InterestExpensePolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestExpensePolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest Expense",
        "label": "Interest Expense, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for recognizing interest expense, including the method of amortizing debt issuance costs."
       }
      }
     },
     "auth_ref": [
      "r1585",
      "r1588"
     ]
    },
    "us-gaap_InterestExpenseShortTermBorrowings": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestExpenseShortTermBorrowings",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_InterestExpenseOperating",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest expense on short-term borrowings",
        "label": "Interest Expense, Short-Term Borrowings",
        "documentation": "The aggregate interest expense incurred on short-term borrowings including commercial paper and Federal funds purchased and securities sold under agreements to repurchase."
       }
      }
     },
     "auth_ref": [
      "r203",
      "r252",
      "r253"
     ]
    },
    "us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestIncomeDebtSecuritiesAvailableForSaleOperating",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_InterestAndDividendIncomeOperating",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investments",
        "label": "Interest Income, Debt Securities, Available-for-Sale, Operating",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestIncomeExpenseAfterProvisionForLoanLoss",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net interest income after provisions for credit losses",
        "label": "Interest Income (Expense), after Provision for Loan Loss",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r192"
     ]
    },
    "us-gaap_InterestIncomeExpenseNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestIncomeExpenseNet",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails": {
       "parentTag": "slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net interest income",
        "terseLabel": "Net interest loss",
        "label": "Interest Income (Expense), Operating",
        "documentation": "Amount of interest income (expense) classified as operating."
       }
      }
     },
     "auth_ref": [
      "r912",
      "r1389"
     ]
    },
    "us-gaap_InterestIncomeMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestIncomeMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest Income - Investments",
        "label": "Interest Income [Member]",
        "documentation": "Primary financial statement caption in which reported facts about interest income have been included."
       }
      }
     },
     "auth_ref": []
    },
    "slm_InterestIncomeonTaxIndemnificationReceivable": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "InterestIncomeonTaxIndemnificationReceivable",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 9.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 17.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Reduction of tax indemnification receivable",
        "negatedLabel": "Reduction of tax indemnification receivable",
        "label": "Interest Income on Tax Indemnification Receivable",
        "documentation": "Interest Income on Tax Indemnification Receivable"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestPaidNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestPaidNet",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest",
        "label": "Interest Paid, Excluding Capitalized Interest, Operating Activities",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r338",
      "r342",
      "r343"
     ]
    },
    "us-gaap_InterestPayableCurrent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestPayableCurrent",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accrued interest on deposits",
        "label": "Interest Payable, Current",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r108"
     ]
    },
    "us-gaap_InterestRateBelowMarketReductionMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestRateBelowMarketReductionMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest Rate Reduction",
        "label": "Interest Rate Below Market Reduction [Member]",
        "documentation": "Loan modification for a reduction of stated interest rate to a rate lower than the current market rate for new debt with similar risk."
       }
      }
     },
     "auth_ref": []
    },
    "slm_InterestRateReductionAndTermExtensionMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "InterestRateReductionAndTermExtensionMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Combination - Interest Rate Reduction and Term Extension",
        "label": "Interest Rate Reduction And Term Extension [Member]",
        "documentation": "Interest Rate Reduction And Term Extension"
       }
      }
     },
     "auth_ref": []
    },
    "slm_InterestRateReductionPercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "InterestRateReductionPercentage",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest rate reduction",
        "label": "Interest Rate Reduction, Percentage",
        "documentation": "Interest Rate Reduction, Percentage"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestRateSwapMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestRateSwapMember",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Interest rate swaps",
        "terseLabel": "Interest Rate Swaps",
        "label": "Interest Rate Swap [Member]",
        "documentation": "Forward based contracts in which two parties agree to swap periodic payments that are fixed at the outset of the swap contract with variable payments based on a market interest rate (index rate) over a specified period."
       }
      }
     },
     "auth_ref": [
      "r1131",
      "r1218",
      "r1219"
     ]
    },
    "us-gaap_InterestReceivable": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InterestReceivable",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accrued interest receivable",
        "label": "Interest Receivable",
        "documentation": "Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable."
       }
      }
     },
     "auth_ref": [
      "r1365",
      "r1645"
     ]
    },
    "slm_InterestincomefromTermDepositFacility": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "InterestincomefromTermDepositFacility",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/CashandCashEquivalentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest income from term deposit facility",
        "label": "Interest income from Term Deposit Facility",
        "documentation": "Interest income from Term Deposit Facility"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InvestmentIncomeInterestAndDividendAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentIncomeInterestAndDividendAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest income:",
        "label": "Investment Income, Interest and Dividend [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InvestmentPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading and Available-for-Sale Investments",
        "label": "Investment, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for investment in financial asset."
       }
      }
     },
     "auth_ref": [
      "r952",
      "r984",
      "r985",
      "r986",
      "r987",
      "r1078",
      "r1079"
     ]
    },
    "us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Cash Flows [Extensible Enumeration]",
        "label": "Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Cash Flows [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of cash flows that includes amortization expense for investment that generates income tax credit and other income tax benefit under tax credit program accounted for using proportional amortization method."
       }
      }
     },
     "auth_ref": [
      "r720"
     ]
    },
    "us-gaap_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "label": "Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of income or comprehensive income that includes amortization expense for investment that generates income tax credit and other income tax benefit under tax credit program accounted for using proportional amortization method."
       }
      }
     },
     "auth_ref": [
      "r720"
     ]
    },
    "us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Cash Flows [Extensible Enumeration]",
        "label": "Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Cash Flows [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of cash flows that includes income tax credit and other income tax benefit, before amortization expense, generated by investment under tax credit program elected to be accounted for using proportional amortization method. Includes, but is not limited to, investment under tax credit program not meeting condition for accounting under proportional amortization method."
       }
      }
     },
     "auth_ref": [
      "r720"
     ]
    },
    "us-gaap_InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "label": "Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of income or comprehensive income that includes income tax credit and other income tax benefit, before amortization expense, generated by investment under tax credit program elected to be accounted for using proportional amortization method. Includes, but is not limited to, investment under tax credit program not meeting condition for accounting under proportional amortization method."
       }
      }
     },
     "auth_ref": [
      "r720"
     ]
    },
    "us-gaap_InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]",
        "label": "Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of financial position that includes investment that generates income tax credit and other income tax benefit under tax credit program elected to be accounted for using proportional amortization method. Includes, but is not limited to, investment under tax credit program not meeting condition for accounting under proportional amortization method."
       }
      }
     },
     "auth_ref": [
      "r721"
     ]
    },
    "us-gaap_InvestmentTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentTypeAxis",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investment Type [Axis]",
        "label": "Investment Type [Axis]",
        "documentation": "Information by type of investments."
       }
      }
     },
     "auth_ref": [
      "r1010",
      "r1012",
      "r1013",
      "r1016",
      "r1019",
      "r1074",
      "r1077",
      "r1082",
      "r1086",
      "r1087",
      "r1098",
      "r1101",
      "r1102",
      "r1103",
      "r1104",
      "r1105",
      "r1213"
     ]
    },
    "us-gaap_InvestmentTypeCategorizationMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentTypeCategorizationMember",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investments [Domain]",
        "label": "Investments [Domain]",
        "documentation": "Asset obtained to generate income or appreciate in value."
       }
      }
     },
     "auth_ref": [
      "r1010",
      "r1012",
      "r1013",
      "r1016",
      "r1019",
      "r1074",
      "r1077",
      "r1082",
      "r1086",
      "r1087",
      "r1098",
      "r1101",
      "r1102",
      "r1103",
      "r1104",
      "r1105",
      "r1213"
     ]
    },
    "slm_InvestmentinSubsidiary": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "InvestmentinSubsidiary",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total investments in subsidiaries (primarily Sallie Mae Bank)",
        "label": "Investment in Subsidiary",
        "documentation": "Investment in Subsidiary"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_Investments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "Investments",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total investments",
        "label": "Investments",
        "documentation": "Sum of the carrying amounts as of the balance sheet date of all investments."
       }
      }
     },
     "auth_ref": [
      "r929",
      "r930",
      "r1209",
      "r1210"
     ]
    },
    "us-gaap_InvestmentsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investments:",
        "label": "Investments [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentsClassifiedByContractualMaturityDateTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Amortized Cost and Fair Value of Securities by Contractual Maturities",
        "label": "Investments Classified by Contractual Maturity Date [Table Text Block]",
        "documentation": "Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentsDebtAndEquitySecuritiesAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investments, Debt and Equity Securities [Abstract]",
        "label": "Investments, Debt and Equity Securities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InvestmentsFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentsFairValueDisclosure",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Available-for-sale investments",
        "label": "Investments, Fair Value Disclosure",
        "documentation": "Fair value portion of investment securities, including, but not limited to, marketable securities, derivative financial instruments, and investments accounted for under the equity method."
       }
      }
     },
     "auth_ref": [
      "r1566",
      "r1567",
      "r1577"
     ]
    },
    "us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/Investments"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investments",
        "label": "Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]",
        "documentation": "The entire disclosure for investments in certain debt and equity securities."
       }
      }
     },
     "auth_ref": [
      "r206",
      "r254",
      "r440",
      "r442",
      "r804",
      "r805",
      "r1597"
     ]
    },
    "us-gaap_LaborAndRelatedExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LaborAndRelatedExpense",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/SegmentReportingDetails": {
       "parentTag": "us-gaap_OperatingExpenses",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation and benefits",
        "label": "Labor and Related Expense",
        "documentation": "Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit."
       }
      }
     },
     "auth_ref": [
      "r1370"
     ]
    },
    "us-gaap_LandAndLandImprovementsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LandAndLandImprovementsMember",
     "presentation": [
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Land and land improvements",
        "label": "Land and Land Improvements [Member]",
        "documentation": "Real estate held and assets that are an addition or improvement to real estate held."
       }
      }
     },
     "auth_ref": []
    },
    "slm_Lendablevalueofcollateral": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Lendablevalueofcollateral",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsOtherBorrowingSourcesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Lendable value of collateral",
        "label": "Lendable value of collateral",
        "documentation": "Lendable value of collateral"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LeverageRatiosAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LeverageRatiosAbstract",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Well Capitalized Regulatory Requirements, Ratio",
        "label": "Banking Regulation, Leverage Ratio [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_Liabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "Liabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total liabilities",
        "label": "Liabilities",
        "documentation": "Amount of liability recognized for present obligation requiring transfer or otherwise providing economic benefit to others."
       }
      }
     },
     "auth_ref": [
      "r26",
      "r107",
      "r108",
      "r109",
      "r112",
      "r113",
      "r114",
      "r117",
      "r348",
      "r474",
      "r572",
      "r573",
      "r574",
      "r575",
      "r576",
      "r577",
      "r578",
      "r579",
      "r580",
      "r743",
      "r747",
      "r748",
      "r810",
      "r1028",
      "r1140",
      "r1226",
      "r1451",
      "r1589",
      "r1590"
     ]
    },
    "us-gaap_LiabilitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LiabilitiesAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Liabilities",
        "verboseLabel": "Liabilities",
        "label": "Liabilities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LiabilitiesAndStockholdersEquity": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LiabilitiesAndStockholdersEquity",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total liabilities and equity",
        "label": "Liabilities and Equity",
        "documentation": "Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any."
       }
      }
     },
     "auth_ref": [
      "r125",
      "r189",
      "r941",
      "r1196",
      "r1377",
      "r1418",
      "r1582"
     ]
    },
    "us-gaap_LiabilitiesAndStockholdersEquityAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LiabilitiesAndStockholdersEquityAbstract",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Liabilities and Equity",
        "label": "Liabilities and Equity [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LiabilitiesFairValueDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LiabilitiesFairValueDisclosureAbstract",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Liabilities:",
        "label": "Liabilities, Fair Value Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LineOfCreditFacilityAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LineOfCreditFacilityAbstract",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Secured borrowings:",
        "label": "Line of Credit Facility [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LineOfCreditFacilityExpirationPeriod": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LineOfCreditFacilityExpirationPeriod",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Line of credit facility, expiration period",
        "label": "Line of Credit Facility, Expiration Period",
        "documentation": "Period remaining on line of credit facility before it terminates, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LineOfCreditFacilityLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LineOfCreditFacilityLineItems",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Line of Credit Facility [Line Items]",
        "label": "Line of Credit Facility [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r571",
      "r1376",
      "r1449"
     ]
    },
    "us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LineOfCreditFacilityMaximumBorrowingCapacity",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Secured borrowing facility maximum borrowing capacity",
        "label": "Line of Credit Facility, Maximum Borrowing Capacity",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r106",
      "r111"
     ]
    },
    "us-gaap_LineOfCreditFacilityTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LineOfCreditFacilityTable",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Line of Credit Facility [Table]",
        "label": "Line of Credit Facility [Table]",
        "documentation": "Disclosure of information about short-term and long-term contractual arrangements with lender under which borrowing can occur up to maximum amount. Includes, but is not limited to, letter of credit, standby letter of credit, and revolving credit arrangement."
       }
      }
     },
     "auth_ref": [
      "r106",
      "r111",
      "r571",
      "r1376",
      "r1449"
     ]
    },
    "us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unused fee percentage",
        "label": "Line of Credit Facility, Unused Capacity, Commitment Fee Percentage",
        "documentation": "The fee, expressed as a percentage of the line of credit facility, for available but unused credit capacity under the credit facility."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LinesOfCreditCurrent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LinesOfCreditCurrent",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Secured borrowings outstanding",
        "label": "Line of Credit, Current",
        "documentation": "The carrying value as of the balance sheet date of the current portion of long-term obligations drawn from a line of credit, which is a bank's commitment to make loans up to a specific amount. Examples of items that might be included in the application of this element may consist of letters of credit, standby letters of credit, and revolving credit arrangements, under which borrowings can be made up to a maximum amount as of any point in time conditional on satisfaction of specified terms before, as of and after the date of drawdowns on the line. Includes short-term obligations that would normally be classified as current liabilities but for which (a) postbalance sheet date issuance of a long term obligation to refinance the short term obligation on a long term basis, or (b) the enterprise has entered into a financing agreement that clearly permits the enterprise to refinance the short-term obligation on a long term basis and the following conditions are met (1) the agreement does not expire within 1 year and is not cancelable by the lender except for violation of an objectively determinable provision, (2) no violation exists at the BS date, and (3) the lender has entered into the financing agreement is expected to be financially capable of honoring the agreement."
       }
      }
     },
     "auth_ref": [
      "r107",
      "r183"
     ]
    },
    "slm_LoanDefermentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoanDefermentMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan Deferment",
        "label": "Loan Deferment [Member]",
        "documentation": "Loan Deferment"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "% of Total Class of Financing Receivable",
        "label": "Loan Modifications Made to Borrowers Experiencing Financial Difficulty, Percentage",
        "documentation": "Loan Modifications Made to Borrowers Experiencing Financial Difficulty, Percentage"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LoanRestructuringModificationAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LoanRestructuringModificationAxis",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan Restructuring Modification [Axis]",
        "label": "Loan Restructuring Modification [Axis]",
        "documentation": "Information by concessions made to the terms of loan contracts."
       }
      }
     },
     "auth_ref": [
      "r435",
      "r436",
      "r438",
      "r1151"
     ]
    },
    "us-gaap_LoanRestructuringModificationDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LoanRestructuringModificationDomain",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan Restructuring Modification [Domain]",
        "label": "Loan Restructuring Modification [Domain]",
        "documentation": "Concessions made to the terms of loan contracts, including but not limited to, interest rate reductions, maturity extensions, principal forgiveness, and payment deferral."
       }
      }
     },
     "auth_ref": [
      "r435",
      "r436",
      "r438",
      "r1151"
     ]
    },
    "us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan Interest Income",
        "label": "Financing Receivable, Fee and Interest Income [Policy Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1398"
     ]
    },
    "slm_LoansBeforeAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansBeforeAllowanceForCreditLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total Private Education Loans",
        "label": "Loans, Before Allowance For Credit Loss",
        "documentation": "Loans, Before Allowance For Credit Loss"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansGrossBeforeAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansGrossBeforeAllowanceForCreditLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total Private Education Loans, gross",
        "label": "Loans Gross, Before Allowance For Credit Loss",
        "documentation": "Loans Gross, Before Allowance For Credit Loss"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansGrossBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans, gross, Year 6",
        "label": "Loans Gross, Originated Five Years Before Latest Fiscal Year",
        "documentation": "Loans Gross, Originated Five Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansGrossOriginatedFourYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansGrossOriginatedFourYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansGrossBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans, gross, Year 5",
        "label": "Loans Gross, Originated Four Years Before Latest Fiscal Year",
        "documentation": "Loans Gross, Originated Four Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansGrossOriginatedInCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansGrossOriginatedInCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansGrossBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans, gross, Year 1",
        "label": "Loans Gross, Originated In Current Fiscal Year",
        "documentation": "Loans Gross, Originated In Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansGrossBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans, gross, Year 2",
        "label": "Loans Gross, Originated In Fiscal Year Before Latest Fiscal Year",
        "documentation": "Loans Gross, Originated In Fiscal Year Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansGrossBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans, gross, Year 4",
        "label": "Loans Gross, Originated Three Years Before Latest Fiscal Year",
        "documentation": "Loans Gross, Originated Three Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansGrossBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans, gross, Year 3",
        "label": "Loans Gross, Originated Two Years Before Latest Fiscal Year",
        "documentation": "Loans Gross, Originated Two Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansHeldForSalePolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansHeldForSalePolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans Held for Sale",
        "label": "Loans Held For Sale [Policy Text Block]",
        "documentation": "Loans Held For Sale"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans in forbearance as a percentage of loans in repayment and forbearance",
        "label": "Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance",
        "documentation": "Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans in forbearance as a percentage of loans in repayment and forbearance, Year 6",
        "label": "Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Five Or More Years Before Current Fiscal Year",
        "documentation": "Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Five Or More Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans in forbearance as a percentage of loans in repayment and forbearance, Year 5",
        "label": "Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Four Years Before Current Fiscal Year",
        "documentation": "Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Four Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans in forbearance as a percentage of loans in repayment and forbearance, Year 2",
        "label": "Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated In Fiscal Year Before Latest Fiscal Year",
        "documentation": "Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated In Fiscal Year Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans in forbearance as a percentage of loans in repayment and forbearance, Year 4",
        "label": "Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Three Years Before Current Fiscal Year",
        "documentation": "Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Three Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans in forbearance as a percentage of loans in repayment and forbearance, Year 3",
        "label": "Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Two Years Before Current Fiscal Year",
        "documentation": "Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance, Originated Two Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans in forbearance as a percentage of loans in repayment and forbearance, Year 1",
        "label": "Loans In Forbearance As Percentage Of Loans In Repayment And Forbearance",
        "documentation": "Loans in forbearance as a percentage of loans in repayment and forbearance."
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInForbearanceMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInForbearanceMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans In Forbearance",
        "label": "Loans In Forbearance [Member]",
        "documentation": "Loans In Forbearance"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInRepaymentBeforeAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInRepaymentBeforeAllowanceForCreditLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Private Education Loans in forbearance, total",
        "label": "Loans In Repayment, Before Allowance For Credit Loss",
        "documentation": "Loans In Repayment, Before Allowance For Credit Loss"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansInRepaymentBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans in forbearance, Year 6",
        "label": "Loans In Repayment, Originated Five Or More Years Before Current Fiscal Year",
        "documentation": "Loans In Repayment, Originated Five Or More Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansInRepaymentBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans in forbearance, Year 5",
        "label": "Loans In Repayment, Originated Four Years Before Current Fiscal Year",
        "documentation": "Loans In Repayment, Originated Four Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInRepaymentOriginatedInCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInRepaymentOriginatedInCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansInRepaymentBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans in forbearance, Year 1",
        "label": "Loans In Repayment, Originated In Current Fiscal Year",
        "documentation": "Total loans in repayment."
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansInRepaymentBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans in forbearance, Year 2",
        "label": "Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year",
        "documentation": "Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansInRepaymentBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans in forbearance, Year 4",
        "label": "Loans In Repayment, Originated Three Years Before Current Fiscal Year",
        "documentation": "Loans In Repayment, Originated Three Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansInRepaymentBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans in forbearance, Year 3",
        "label": "Loans In Repayment, Originated Two Years Before Current Fiscal Year",
        "documentation": "Loans In Repayment, Originated Two Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansInSchoolGraceDefermentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansInSchoolGraceDefermentMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans In-School/Grace/Deferment",
        "label": "Loans In-School/Grace/Deferment [Member]",
        "documentation": "Loans In-School/Grace/Deferment"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LoansNotesTradeAndOtherReceivablesDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestment"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Loans Held for Investment",
        "label": "Loans, Notes, Trade and Other Receivables Disclosure [Text Block]",
        "documentation": "The entire disclosure for claims held for amounts due to 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."
       }
      }
     },
     "auth_ref": [
      "r821",
      "r1393"
     ]
    },
    "slm_LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans, Year 6",
        "label": "Loans, Originated Five Or More Years Before Latest Fiscal Year",
        "documentation": "Loans, Originated Five Or More Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansOriginatedFourYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansOriginatedFourYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans, Year 5",
        "label": "Loans, Originated Four Years Before Latest Fiscal Year",
        "documentation": "Loans, Originated Four Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansOriginatedInCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansOriginatedInCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans, Year 1",
        "label": "Loans, Originated In Current Fiscal Year",
        "documentation": "Loans, Originated In Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansOriginatedInFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansOriginatedInFiscalYearBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans, Year 2",
        "label": "Loans, Originated In Fiscal Year Before Latest Fiscal Year",
        "documentation": "Loans, Originated In Fiscal Year Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansOriginatedThreeYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansOriginatedThreeYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans, Year 4",
        "label": "Loans, Originated Three Years Before Latest Fiscal Year",
        "documentation": "Loans, Originated Three Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansOriginatedTwoYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansOriginatedTwoYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_LoansBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Private Education Loans, Year 3",
        "label": "Loans, Originated Two Years Before Current Fiscal Year",
        "documentation": "Loans, Originated Two Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansPledgedAsCollateralCapitalizedInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansPledgedAsCollateralCapitalizedInterest",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Capitalized Interest",
        "label": "Loans Pledged As Collateral, Capitalized Interest",
        "documentation": "Loans Pledged As Collateral, Capitalized Interest"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansPledgedAsCollateralPrincipalAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansPledgedAsCollateralPrincipalAmount",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan Principal",
        "label": "Loans Pledged As Collateral, Principal Amount",
        "documentation": "Loans Pledged As Collateral, Principal Amount"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LoansReceivableFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LoansReceivableFairValueDisclosure",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans",
        "label": "Loans Receivable, Fair Value Disclosure",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1581"
     ]
    },
    "slm_LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans held for investment, net, difference",
        "label": "Loans Receivable, Fair Value Disclosure, Difference Between Carrying Value And Fair Value",
        "documentation": "Loans Receivable, Fair Value Disclosure, Difference"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansheldforinvestmentbyRegionLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansheldforinvestmentbyRegionLineItems",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans held for investment by Region [Line Items]",
        "label": "Loans held for investment by Region [Line Items]",
        "documentation": "[Line Items] for Loans held for investment by Region [Table]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansheldforinvestmentbyRegionTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansheldforinvestmentbyRegionTable",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans held for investment by Region [Table]",
        "label": "Loans held for investment by Region [Table]",
        "documentation": "Loans held for investment by Region [Table]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansheldforinvestmentbyRegionTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansheldforinvestmentbyRegionTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Loans Held for Investment by Region",
        "label": "Loans held for investment by Region [Table Text Block]",
        "documentation": "[Table Text Block] for Loans held for investment by Region [Table]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoansinNonaccrualStatus": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoansinNonaccrualStatus",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans in nonaccrual status",
        "label": "Loans in Nonaccrual Status",
        "documentation": "Loans in Nonaccrual Status"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LoanspledgedtoBorrowerinCustody": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LoanspledgedtoBorrowerinCustody",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans pledged to borrower in custody",
        "label": "Loans pledged to Borrower in Custody",
        "documentation": "Loans pledged to Borrower in Custody"
       }
      }
     },
     "auth_ref": []
    },
    "dei_LocalPhoneNumber": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "LocalPhoneNumber",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Local Phone Number",
        "label": "Local Phone Number",
        "documentation": "Local phone number for entity."
       }
      }
     },
     "auth_ref": []
    },
    "slm_LondonClearingHouseMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LondonClearingHouseMember",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "LCH",
        "label": "London Clearing House [Member]",
        "documentation": "London Clearing House [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_LondonInterbankOfferedRateLIBOR1Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LondonInterbankOfferedRateLIBOR1Member",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "London Interbank Offered Rate (LIBOR) 1",
        "label": "London Interbank Offered Rate (LIBOR) 1 [Member]",
        "documentation": "London Interbank Offered Rate (LIBOR) 1"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LongTermDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LongTermDebt",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails": {
       "parentTag": "us-gaap_Liabilities",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Liabilities",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails": {
       "parentTag": "us-gaap_DebtLongtermAndShorttermCombinedAmount",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails",
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Long-term borrowings",
        "terseLabel": "Long-Term",
        "label": "Long-Term Debt",
        "documentation": "Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation."
       }
      }
     },
     "auth_ref": [
      "r26",
      "r187",
      "r594",
      "r608",
      "r1163",
      "r1164",
      "r1195",
      "r1603"
     ]
    },
    "us-gaap_LongTermDebtFairValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LongTermDebtFairValue",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": "us-gaap_FinancialLiabilitiesFairValueDisclosure",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Long-term borrowings",
        "label": "Long-Term Debt, Fair Value",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1566",
      "r1568",
      "r1569",
      "r1570"
     ]
    },
    "slm_LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": "slm_FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Long-term borrowings, difference",
        "label": "Long-Term Debt, Fair Value, Difference Between Carrying Value And Fair Value",
        "documentation": "Long-Term Debt, Fair Value, Difference Between Carrying Value And Fair Value"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails": {
       "parentTag": "slm_DebtInstrumentFaceAmountMaturityToCallDate",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stated maturity, 2030 and after",
        "label": "Long-Term Debt, Maturity, after Year Five",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r10",
      "r351",
      "r1456"
     ]
    },
    "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails": {
       "parentTag": "slm_DebtInstrumentFaceAmountMaturityToCallDate",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stated maturity, 2025",
        "label": "Long-Term Debt, Maturity, Year One",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r10",
      "r351",
      "r599"
     ]
    },
    "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails": {
       "parentTag": "slm_DebtInstrumentFaceAmountMaturityToCallDate",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stated maturity, 2029",
        "label": "Long-Term Debt, Maturity, Year Five",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r10",
      "r351",
      "r599"
     ]
    },
    "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails": {
       "parentTag": "slm_DebtInstrumentFaceAmountMaturityToCallDate",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stated maturity, 2028",
        "label": "Long-Term Debt, Maturity, Year Four",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r10",
      "r351",
      "r599"
     ]
    },
    "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails": {
       "parentTag": "slm_DebtInstrumentFaceAmountMaturityToCallDate",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stated maturity, 2027",
        "label": "Long-Term Debt, Maturity, Year Three",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r10",
      "r351",
      "r599"
     ]
    },
    "us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails": {
       "parentTag": "slm_DebtInstrumentFaceAmountMaturityToCallDate",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stated maturity, 2026",
        "label": "Long-Term Debt, Maturity, Year Two",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r10",
      "r351",
      "r599"
     ]
    },
    "slm_LongTermDebtWeightedAverageOutstandingBalance": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "LongTermDebtWeightedAverageOutstandingBalance",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Average Balance",
        "label": "Long Term Debt, Weighted Average Outstanding Balance",
        "documentation": "Long Term Debt, Weighted Average Outstanding Balance"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LongtermDebtTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LongtermDebtTypeAxis",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Long-term Debt, Type [Axis]",
        "label": "Long-Term Debt, Type [Axis]",
        "documentation": "Information by type of long-term debt."
       }
      }
     },
     "auth_ref": [
      "r26",
      "r1444",
      "r1445",
      "r1446"
     ]
    },
    "us-gaap_LongtermDebtTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LongtermDebtTypeDomain",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Long-term Debt, Type [Domain]",
        "label": "Long-Term Debt, Type [Domain]",
        "documentation": "Type of long-term debt arrangement, such as notes, line of credit, commercial paper, asset-based financing, project financing, letter of credit financing. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the company, if longer."
       }
      }
     },
     "auth_ref": [
      "r26",
      "r47",
      "r1444",
      "r1445",
      "r1446"
     ]
    },
    "us-gaap_LongtermDebtWeightedAverageInterestRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "LongtermDebtWeightedAverageInterestRate",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSummaryofOutstandingBorrowingsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average Interest Rate",
        "label": "Long-Term Debt, Weighted Average Interest Rate, at Point in Time",
        "documentation": "Weighted average interest rate of long-term debt outstanding calculated at point in time."
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2025Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2025Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2025",
        "label": "Maturity 2025 [Member]",
        "documentation": "Maturity 2025"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2026Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2026Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2026",
        "label": "Maturity 2026 [Member]",
        "documentation": "Maturity 2026"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2027Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2027Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2027",
        "label": "Maturity 2027 [Member]",
        "documentation": "Maturity 2027"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2038Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2038Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2038",
        "label": "Maturity 2038 [Member]",
        "documentation": "Maturity 2038 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2039Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2039Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2039",
        "label": "Maturity 2039 [Member]",
        "documentation": "Maturity 2039 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2042Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2042Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2042",
        "label": "Maturity 2042 [Member]",
        "documentation": "Maturity 2042 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2043Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2043Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2043",
        "label": "Maturity 2043 [Member]",
        "documentation": "Maturity 2043 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2044Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2044Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2044",
        "label": "Maturity 2044 [Member]",
        "documentation": "Maturity 2044 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2045Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2045Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2045",
        "label": "Maturity 2045 [Member]",
        "documentation": "Maturity 2045 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2046Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2046Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2046",
        "label": "Maturity 2046 [Member]",
        "documentation": "Maturity 2046 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2047Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2047Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2047",
        "label": "Maturity 2047 [Member]",
        "documentation": "Maturity 2047 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2048Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2048Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2048",
        "label": "Maturity 2048 [Member]",
        "documentation": "Maturity 2048 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2049Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2049Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2049",
        "label": "Maturity 2049 [Member]",
        "documentation": "Maturity 2049 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2050Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2050Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2050",
        "label": "Maturity 2050 [Member]",
        "documentation": "Maturity 2050"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2051Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2051Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2051",
        "label": "Maturity 2051 [Member]",
        "documentation": "Maturity 2051"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2052Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2052Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2052",
        "label": "Maturity 2052 [Member]",
        "documentation": "Maturity 2052"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2053Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2053Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2053",
        "label": "Maturity 2053 [Member]",
        "documentation": "Maturity 2053"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2054Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2054Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2054",
        "label": "Maturity 2054 [Member]",
        "documentation": "Maturity 2054"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2055Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2055Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2055",
        "label": "Maturity 2055 [Member]",
        "documentation": "Maturity 2055"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2056Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2056Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2056",
        "label": "Maturity 2056 [Member]",
        "documentation": "Maturity 2056"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Maturity2058Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Maturity2058Member",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2058",
        "label": "Maturity 2058 [Member]",
        "documentation": "Maturity 2058"
       }
      }
     },
     "auth_ref": []
    },
    "slm_MaximumContributionAmountPerEmployeeToEspp": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "MaximumContributionAmountPerEmployeeToEspp",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Maximum contribution amount per employee to ESPP",
        "label": "Maximum Contribution Amount Per Employee To Espp",
        "documentation": "Maximum contribution amount per employee to ESPP."
       }
      }
     },
     "auth_ref": []
    },
    "srt_MaximumMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "MaximumMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails",
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Maximum",
        "label": "Maximum [Member]",
        "documentation": "Upper limit of the provided range."
       }
      }
     },
     "auth_ref": [
      "r264",
      "r266",
      "r268",
      "r269",
      "r271",
      "r288",
      "r289",
      "r565",
      "r566",
      "r567",
      "r568",
      "r637",
      "r679",
      "r786",
      "r870",
      "r965",
      "r967",
      "r981",
      "r1020",
      "r1021",
      "r1075",
      "r1080",
      "r1084",
      "r1085",
      "r1099",
      "r1128",
      "r1129",
      "r1151",
      "r1167",
      "r1174",
      "r1188",
      "r1189",
      "r1193",
      "r1194",
      "r1206",
      "r1455",
      "r1591",
      "r1592",
      "r1593",
      "r1594",
      "r1595",
      "r1596"
     ]
    },
    "ecd_MeasureAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "MeasureAxis",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measure:",
        "label": "Measure [Axis]"
       }
      }
     },
     "auth_ref": [
      "r1289"
     ]
    },
    "ecd_MeasureName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "MeasureName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Name",
        "label": "Measure Name"
       }
      }
     },
     "auth_ref": [
      "r1289"
     ]
    },
    "us-gaap_MeasurementInputDefaultRateMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "MeasurementInputDefaultRateMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Input, Default Rate",
        "label": "Measurement Input, Default Rate [Member]",
        "documentation": "Measurement input using likelihood loan will not be repaid as proportion of outstanding loan."
       }
      }
     },
     "auth_ref": [
      "r1188",
      "r1568",
      "r1569",
      "r1570"
     ]
    },
    "us-gaap_MeasurementInputPrepaymentRateMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "MeasurementInputPrepaymentRateMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Input, Prepayment Rate",
        "label": "Measurement Input, Prepayment Rate [Member]",
        "documentation": "Measurement input using principal prepayment at other than constant rate as proportion of outstanding loan principal."
       }
      }
     },
     "auth_ref": [
      "r1568",
      "r1569",
      "r1570"
     ]
    },
    "us-gaap_MeasurementInputTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "MeasurementInputTypeAxis",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Input Type [Axis]",
        "label": "Measurement Input Type [Axis]",
        "documentation": "Information by type of measurement input used to determine value of asset and liability."
       }
      }
     },
     "auth_ref": [
      "r784",
      "r785",
      "r786",
      "r1188"
     ]
    },
    "us-gaap_MeasurementInputTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "MeasurementInputTypeDomain",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Input Type [Domain]",
        "label": "Measurement Input Type [Domain]",
        "documentation": "Measurement input used to determine value of asset and liability."
       }
      }
     },
     "auth_ref": [
      "r784",
      "r785",
      "r786",
      "r1188"
     ]
    },
    "srt_MinimumMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "MinimumMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails",
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Minimum",
        "label": "Minimum [Member]",
        "documentation": "Lower limit of the provided range."
       }
      }
     },
     "auth_ref": [
      "r264",
      "r266",
      "r268",
      "r269",
      "r271",
      "r288",
      "r289",
      "r565",
      "r566",
      "r567",
      "r568",
      "r637",
      "r679",
      "r786",
      "r870",
      "r965",
      "r967",
      "r981",
      "r1020",
      "r1021",
      "r1075",
      "r1080",
      "r1084",
      "r1085",
      "r1099",
      "r1128",
      "r1129",
      "r1151",
      "r1167",
      "r1174",
      "r1188",
      "r1189",
      "r1193",
      "r1206",
      "r1455",
      "r1591",
      "r1592",
      "r1593",
      "r1594",
      "r1595",
      "r1596"
     ]
    },
    "ecd_MnpiDiscTimedForCompValFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "MnpiDiscTimedForCompValFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "MNPI Disclosure Timed for Compensation Value",
        "label": "MNPI Disclosure Timed for Compensation Value [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1309"
     ]
    },
    "slm_MoneyMarketandSavingsAccountsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "MoneyMarketandSavingsAccountsMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Money-market and savings accounts",
        "label": "Money Market and Savings Accounts [Member]",
        "documentation": "Money Market and Savings Accounts [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_MortgageBackedSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "MortgageBackedSecuritiesMember",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails",
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Mortgage-backed securities",
        "label": "Collateralized Mortgage-Backed Securities [Member]",
        "documentation": "Securities collateralized by mortgage loans."
       }
      }
     },
     "auth_ref": [
      "r1169",
      "r1170",
      "r1171",
      "r1407",
      "r1410",
      "r1411",
      "r1412",
      "r1413",
      "r1634"
     ]
    },
    "ecd_MtrlTermsOfTrdArrTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "MtrlTermsOfTrdArrTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Material Terms of Trading Arrangement",
        "label": "Material Terms of Trading Arrangement [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1317"
     ]
    },
    "stpr_NJ": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/stpr/2024",
     "localname": "NJ",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "New Jersey",
        "label": "NEW JERSEY"
       }
      }
     },
     "auth_ref": []
    },
    "stpr_NY": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/stpr/2024",
     "localname": "NY",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "New York",
        "label": "NEW YORK"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_NamedExecutiveOfficersFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "NamedExecutiveOfficersFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Named Executive Officers, Footnote",
        "label": "Named Executive Officers, Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1290"
     ]
    },
    "us-gaap_NetCashProvidedByUsedInFinancingActivities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NetCashProvidedByUsedInFinancingActivities",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect",
       "weight": 1.0,
       "order": 3.0
      },
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net cash provided by (used in) financing activities",
        "label": "Net Cash Provided by (Used in) Financing Activities",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r341"
     ]
    },
    "us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NetCashProvidedByUsedInFinancingActivitiesAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing activities",
        "verboseLabel": "Cash flows from financing activities:",
        "label": "Net Cash Provided by (Used in) Financing Activities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NetCashProvidedByUsedInInvestingActivities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NetCashProvidedByUsedInInvestingActivities",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total net cash provided by (used in) investing activities",
        "label": "Net Cash Provided by (Used in) Investing Activities",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r341"
     ]
    },
    "us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NetCashProvidedByUsedInInvestingActivitiesAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investing activities",
        "verboseLabel": "Cash flows from investing activities:",
        "label": "Net Cash Provided by (Used in) Investing Activities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NetCashProvidedByUsedInOperatingActivities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NetCashProvidedByUsedInOperatingActivities",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total net cash (used in) provided by operating activities",
        "terseLabel": "Total net cash (used in) provided by operating activities",
        "label": "Net Cash Provided by (Used in) Operating Activities",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r138",
      "r139",
      "r141"
     ]
    },
    "us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NetCashProvidedByUsedInOperatingActivitiesAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Operating activities",
        "verboseLabel": "Cash flows from operating activities:",
        "label": "Net Cash Provided by (Used in) Operating Activities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": -1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Net decrease in loans held for investment and loans held for sale (other than loans acquired and originated, and loan sales)",
        "label": "Net Decrease in Loans Held for Investment and Loans Held for Sale",
        "documentation": "Net Decrease in Loans Held for Investment and Loans Held for Sale"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NetIncomeLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NetIncomeLoss",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails",
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net income",
        "label": "Net Income (Loss) Attributable to Parent",
        "documentation": "The portion of profit or loss for the period, net of income taxes, which is attributable to the parent."
       }
      }
     },
     "auth_ref": [
      "r132",
      "r141",
      "r198",
      "r297",
      "r323",
      "r326",
      "r331",
      "r348",
      "r356",
      "r360",
      "r361",
      "r362",
      "r363",
      "r364",
      "r367",
      "r368",
      "r383",
      "r474",
      "r572",
      "r573",
      "r574",
      "r575",
      "r576",
      "r577",
      "r578",
      "r579",
      "r580",
      "r730",
      "r740",
      "r780",
      "r810",
      "r947",
      "r1050",
      "r1067",
      "r1068",
      "r1224",
      "r1451"
     ]
    },
    "us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NetIncomeLossAvailableToCommonStockholdersBasic",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net income attributable to SLM Corporation common stock",
        "terseLabel": "Net income attributable to SLM Corporation common stock, basic",
        "label": "Net Income (Loss) Available to Common Stockholders, Basic",
        "documentation": "Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders."
       }
      }
     },
     "auth_ref": [
      "r335",
      "r360",
      "r361",
      "r362",
      "r363",
      "r371",
      "r372",
      "r384",
      "r387",
      "r740"
     ]
    },
    "us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NetIncomeLossAvailableToCommonStockholdersDiluted",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net income attributable to SLM Corporation common stock, diluted",
        "label": "Net Income (Loss) Available to Common Stockholders, Diluted",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r335",
      "r373",
      "r379",
      "r380",
      "r381",
      "r382",
      "r384",
      "r387"
     ]
    },
    "slm_NetIncreaseDecreaseinUpfrontLoanFees": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NetIncreaseDecreaseinUpfrontLoanFees",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fees paid on Secured Borrowing Facility",
        "label": "Net Increase (Decrease) in Upfront Loan Fees",
        "documentation": "Net Increase (Decrease) in Upfront Loan Fees"
       }
      }
     },
     "auth_ref": []
    },
    "slm_NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net proceeds from sales of loans held for investment and loans held for sale",
        "label": "Net Proceeds from Loans Held for Investment and Loans Held for Sale",
        "documentation": "Net Proceeds from Loans Held for Investment and Loans Held for Sale"
       }
      }
     },
     "auth_ref": []
    },
    "slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Private Education Loans deferred origination costs and unamortized premium/(discount), Total",
        "label": "Net Unamortized Premium Or Discount, Before Allowance For Credit Loss",
        "documentation": "Net Unamortized Premium Or Discount, Before Allowance For Credit Loss"
       }
      }
     },
     "auth_ref": []
    },
    "slm_NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans deferred origination costs and unamortized premium/(discount), Year 6",
        "label": "Net Unamortized Premium Or Discount, Originated Five Or More Years Before Latest Fiscal Year",
        "documentation": "Net Unamortized Premium Or Discount, Originated Five Or More Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans deferred origination costs and unamortized premium/(discount), Year 5",
        "label": "Net Unamortized Premium Or Discount, Originated Four Years Before Current Fiscal Year",
        "documentation": "Net Unamortized Premium Or Discount, Originated Four Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans deferred origination costs and unamortized premium/(discount), Year 1",
        "label": "Net Unamortized Premium Or Discount, Originated In Current Fiscal Year",
        "documentation": "Net Unamortized Premium Or Discount, Originated In Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans deferred origination costs and unamortized premium/(discount), Year 2",
        "label": "Net Unamortized Premium Or Discount, Originated In Fiscal Year Before Latest Fiscal Year",
        "documentation": "Net Unamortized Premium Or Discount, Originated In Fiscal Year Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans deferred origination costs and unamortized premium/(discount), Year 4",
        "label": "Net Unamortized Premium Or Discount, Originated Three Years Before Current Fiscal Year",
        "documentation": "Net Unamortized Premium Or Discount, Originated Three Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails": {
       "parentTag": "slm_NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans deferred origination costs and unamortized premium/(discount), Year 3",
        "label": "Net Unamortized Premium Or Discount, Originated Two Years Before Current Fiscal Year",
        "documentation": "Net Unamortized Premium Or Discount, Originated Two Years Before Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Netincreasedecreaseinbrokeredcertificatesofdeposit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Netincreasedecreaseinbrokeredcertificatesofdeposit",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net increase in certificates of deposit",
        "label": "Net increase (decrease) in brokered certificates of deposit",
        "documentation": "Net increase (decrease) in brokered certificates of deposit"
       }
      }
     },
     "auth_ref": []
    },
    "slm_NetincreaseinMMDAdeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NetincreaseinMMDAdeposits",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net increase (decrease) in other deposits",
        "label": "Net increase in MMDA deposits",
        "documentation": "Net increase in MMDA deposits"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NewAccountingPronouncementsPolicyPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Recently Adopted Accounting Pronouncements and Recently Issue Accounting Pronouncements",
        "label": "New Accounting Pronouncements, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact."
       }
      }
     },
     "auth_ref": []
    },
    "slm_NitroCollegeMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NitroCollegeMember",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Nitro",
        "label": "Nitro College [Member]",
        "documentation": "Nitro College"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_NonGaapMeasureDescriptionTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "NonGaapMeasureDescriptionTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-GAAP Measure Description",
        "label": "Non-GAAP Measure Description [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1289"
     ]
    },
    "slm_NonInterestIncomeLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NonInterestIncomeLoss",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails": {
       "parentTag": "slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-interest income (loss)",
        "label": "Non-Interest Income (Loss)",
        "documentation": "Non-Interest Income (Loss)"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_NonNeosMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "NonNeosMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-NEOs",
        "label": "Non-NEOs [Member]"
       }
      }
     },
     "auth_ref": [
      "r1252",
      "r1263",
      "r1273",
      "r1297",
      "r1306"
     ]
    },
    "ecd_NonPeoNeoAvgCompActuallyPaidAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "NonPeoNeoAvgCompActuallyPaidAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-PEO NEO Average Compensation Actually Paid Amount",
        "label": "Non-PEO NEO Average Compensation Actually Paid Amount"
       }
      }
     },
     "auth_ref": [
      "r1280"
     ]
    },
    "ecd_NonPeoNeoAvgTotalCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "NonPeoNeoAvgTotalCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-PEO NEO Average Total Compensation Amount",
        "label": "Non-PEO NEO Average Total Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1279"
     ]
    },
    "ecd_NonPeoNeoMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "NonPeoNeoMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-PEO NEO",
        "label": "Non-PEO NEO [Member]"
       }
      }
     },
     "auth_ref": [
      "r1297"
     ]
    },
    "ecd_NonRule10b51ArrAdoptedFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "NonRule10b51ArrAdoptedFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-Rule 10b5-1 Arrangement Adopted",
        "label": "Non-Rule 10b5-1 Arrangement Adopted [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1317"
     ]
    },
    "ecd_NonRule10b51ArrTrmntdFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "NonRule10b51ArrTrmntdFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-Rule 10b5-1 Arrangement Terminated",
        "label": "Non-Rule 10b5-1 Arrangement Terminated [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1317"
     ]
    },
    "us-gaap_NoncashInvestingAndFinancingItemsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NoncashInvestingAndFinancingItemsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Supplemental non-cash operating and investing activities:",
        "label": "Noncash Investing and Financing Items [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NondesignatedMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NondesignatedMember",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedBalanceSheetDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNotionalValuesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Trading",
        "terseLabel": "Trading",
        "label": "Not Designated as Hedging Instrument [Member]",
        "documentation": "Derivative instrument not designated as hedging instrument under Generally Accepted Accounting Principles (GAAP)."
       }
      }
     },
     "auth_ref": [
      "r15"
     ]
    },
    "us-gaap_NoninterestBearingDepositLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NoninterestBearingDepositLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails": {
       "parentTag": "us-gaap_Deposits",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DepositsSummaryofTotalDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits - non-interest-bearing",
        "label": "Noninterest-Bearing Deposit Liabilities",
        "documentation": "The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity."
       }
      }
     },
     "auth_ref": [
      "r182"
     ]
    },
    "us-gaap_NoninterestExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NoninterestExpense",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest",
       "weight": -1.0,
       "order": 3.0
      },
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails": {
       "parentTag": "slm_IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes",
       "weight": -1.0,
       "order": 3.0
      },
      "http://www.salliemae.com/role/SegmentReportingDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails",
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total non-interest expenses",
        "terseLabel": "Non-interest expenses",
        "label": "Noninterest Expense",
        "documentation": "Total aggregate amount of all noninterest expense."
       }
      }
     },
     "auth_ref": [
      "r195"
     ]
    },
    "us-gaap_NoninterestExpenseAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NoninterestExpenseAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Operating expenses:",
        "label": "Noninterest Expense [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NoninterestIncome": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NoninterestIncome",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total non-interest income",
        "label": "Noninterest Income",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r194"
     ]
    },
    "us-gaap_NoninterestIncomeAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NoninterestIncomeAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-interest income:",
        "label": "Noninterest Income [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NoninterestIncomeOtherOperatingIncome": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NoninterestIncomeOtherOperatingIncome",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_NoninterestIncome",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other income",
        "label": "Noninterest Income, Other Operating Income",
        "documentation": "Amount of revenue earned, classified as other, excluding interest income."
       }
      }
     },
     "auth_ref": [
      "r130",
      "r194"
     ]
    },
    "us-gaap_NotesReceivableGross": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "NotesReceivableGross",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Loans",
        "label": "Financing Receivable, before Allowance for Credit Loss",
        "documentation": "Amortized cost, before allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r219",
      "r225",
      "r257",
      "r258",
      "r309",
      "r433",
      "r497",
      "r506",
      "r1157",
      "r1158",
      "r1352",
      "r1419"
     ]
    },
    "slm_NumberOfCounterparties": {
     "xbrltype": "integerItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NumberOfCounterparties",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of central counterparties",
        "label": "Number Of Counterparties",
        "documentation": "Number Of Counterparties"
       }
      }
     },
     "auth_ref": []
    },
    "slm_NumberofCompensationPlans": {
     "xbrltype": "integerItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NumberofCompensationPlans",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of active stock-based compensation plans",
        "label": "Number of Compensation Plans",
        "documentation": "Number of Compensation Plans"
       }
      }
     },
     "auth_ref": []
    },
    "slm_NumeratorAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "NumeratorAbstract",
     "presentation": [
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Numerator:",
        "label": "Numerator [Abstract]",
        "documentation": "Numerator."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OffBalanceSheetCreditExposurePolicyPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Off-Balance Sheet Exposure for Contractual Loan Commitments and Uncollectible Interest",
        "label": "Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]",
        "documentation": "Description of accounting policies and methodologies used to estimate the entity's liability for off-balance sheet credit exposures and related charges for those credit exposures."
       }
      }
     },
     "auth_ref": [
      "r226",
      "r501"
     ]
    },
    "us-gaap_OffBalanceSheetCreditLossLiability": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OffBalanceSheetCreditLossLiability",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails",
      "http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails",
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Beginning balance",
        "periodEndLabel": "Ending balance",
        "terseLabel": "Liability for unfunded commitments",
        "label": "Off-Balance-Sheet, Credit Loss, Liability",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r489",
      "r569"
     ]
    },
    "us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Provision",
        "label": "Off-Balance-Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal)",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r494"
     ]
    },
    "slm_OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Transfer from allowance for unfunded loan commitments",
        "label": "Off-Balance Sheet, Credit Loss, Liability, Transfer From Unfunded Commitments",
        "documentation": "Off-Balance Sheet, Credit Loss, Liability, Transfer From Unfunded Commitments"
       }
      }
     },
     "auth_ref": []
    },
    "slm_OffBalanceSheetCreditLossLiabilityWriteoff": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "OffBalanceSheetCreditLossLiabilityWriteoff",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Transfer to allowance for loan losses",
        "negatedLabel": "Transfer - funded loans",
        "label": "Off-Balance Sheet, Credit Loss, Liability, Writeoff",
        "documentation": "Off-Balance Sheet, Credit Loss, Liability, Writeoff"
       }
      }
     },
     "auth_ref": []
    },
    "slm_OfferingPeriodOfEmployeeStockPurchasePlan": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "OfferingPeriodOfEmployeeStockPurchasePlan",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Offering period of employee stock purchase plan",
        "label": "Offering Period Of Employee Stock Purchase Plan",
        "documentation": "Offering period of employee stock purchase plan."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OffsettingAssetsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OffsettingAssetsTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Offsetting Assets",
        "label": "Offsetting Assets [Table Text Block]",
        "documentation": "Tabular disclosure of derivative and other financial assets that are subject to offsetting, including master netting arrangements."
       }
      }
     },
     "auth_ref": [
      "r127",
      "r314"
     ]
    },
    "us-gaap_OffsettingLiabilitiesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OffsettingLiabilitiesTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Offsetting Liabilities",
        "label": "Offsetting Liabilities [Table Text Block]",
        "documentation": "Tabular disclosure of derivative and other financial liabilities that are subject to offsetting, including master netting arrangements."
       }
      }
     },
     "auth_ref": [
      "r127",
      "r314"
     ]
    },
    "us-gaap_OperatingExpenses": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OperatingExpenses",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/SegmentReportingDetails": {
       "parentTag": "us-gaap_NoninterestExpense",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total operating expenses",
        "label": "Operating Expenses",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OperatingExpensesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OperatingExpensesAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-interest expenses:",
        "label": "Operating Expenses [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "OperatingExpensesExcludingAmortizationOfIntangibleAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_NoninterestExpense",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total operating expenses",
        "label": "Operating Expenses, Excluding Amortization Of Intangible Assets",
        "documentation": "Operating Expenses, Excluding Amortization Of Intangible Assets"
       }
      }
     },
     "auth_ref": []
    },
    "slm_OperatingLossCarryforwardsCapitalLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "OperatingLossCarryforwardsCapitalLoss",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Capital loss",
        "label": "Operating Loss Carryforwards, Capital Loss",
        "documentation": "Operating Loss Carryforwards, Capital Loss"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OperatingLossCarryforwardsValuationAllowance": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OperatingLossCarryforwardsValuationAllowance",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Operating loss carryforwards, valuation allowance",
        "label": "Operating Loss Carryforwards, Valuation Allowance",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1553"
     ]
    },
    "us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Organization, Consolidation and Presentation of Financial Statements [Abstract]",
        "label": "Organization, Consolidation and Presentation of Financial Statements [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/OrganizationandBusiness"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Organization and Business",
        "label": "Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]",
        "documentation": "The entire disclosure for organization, consolidation and basis of presentation of financial statements disclosure."
       }
      }
     },
     "auth_ref": [
      "r104",
      "r168",
      "r982",
      "r983"
     ]
    },
    "us-gaap_OtherAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other assets",
        "verboseLabel": "Other Assets, Net",
        "label": "Other Assets",
        "documentation": "Amount of assets classified as other."
       }
      }
     },
     "auth_ref": [
      "r180",
      "r303",
      "r932",
      "r1147",
      "r1226"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME": {
       "parentTag": "us-gaap_OtherComprehensiveIncomeLossBeforeTax",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unrealized gains (losses) on investments",
        "label": "OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, before Tax",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r317",
      "r318",
      "r319",
      "r948"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gain (loss) OCI after adjustment tax",
        "label": "OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax",
        "documentation": "Amount, after adjustment, of tax expense (benefit) for 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 tax expense (benefit) for unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale."
       }
      }
     },
     "auth_ref": [
      "r317",
      "r318",
      "r320"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherComprehensiveIncomeLossBeforeTax",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME": {
       "parentTag": "us-gaap_OtherComprehensiveIncomeLossNetOfTax",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total unrealized gains (losses)",
        "label": "Other Comprehensive Income (Loss), before Tax",
        "documentation": "Amount before tax, after reclassification adjustments of other comprehensive income (loss)."
       }
      }
     },
     "auth_ref": [
      "r332",
      "r811",
      "r812",
      "r817",
      "r913",
      "r948",
      "r1366",
      "r1367"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME": {
       "parentTag": "us-gaap_OtherComprehensiveIncomeLossBeforeTax",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unrealized gains (losses) on cash flow hedges",
        "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, after Tax",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r316",
      "r319"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails": {
       "parentTag": "slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amount of gain (loss) recognized in other comprehensive income (loss)",
        "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax",
        "documentation": "Amount, before tax and reclassification, of gain (loss) from derivative instrument designated and qualifying cash flow hedge included in assessment of hedge effectiveness."
       }
      }
     },
     "auth_ref": [
      "r316",
      "r319",
      "r750",
      "r751",
      "r756"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails": {
       "parentTag": "slm_ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementofChangesinStockholdersEquityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Less: Amount of gain (loss) reclassified in interest expense",
        "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r247",
      "r319",
      "r322"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossNetOfTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherComprehensiveIncomeLossNetOfTax",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME": {
       "parentTag": "us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Other comprehensive income (loss), net of tax (expense) benefit",
        "terseLabel": "Other comprehensive income (loss), net of tax",
        "label": "Other Comprehensive Income (Loss), Net of Tax",
        "documentation": "Amount after tax and reclassification adjustments of other comprehensive income (loss)."
       }
      }
     },
     "auth_ref": [
      "r14",
      "r24",
      "r324",
      "r327",
      "r332",
      "r364",
      "r811",
      "r812",
      "r817",
      "r913",
      "r948",
      "r1366",
      "r1367"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherComprehensiveIncomeLossTax",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME": {
       "parentTag": "us-gaap_OtherComprehensiveIncomeLossNetOfTax",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Income tax (expense) benefit",
        "label": "Other Comprehensive Income (Loss), Tax",
        "documentation": "Amount of tax expense (benefit) allocated to other comprehensive income (loss)."
       }
      }
     },
     "auth_ref": [
      "r3",
      "r329",
      "r332",
      "r684",
      "r716",
      "r717",
      "r811",
      "r815",
      "r817",
      "r913",
      "r948"
     ]
    },
    "us-gaap_OtherDebtSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherDebtSecuritiesMember",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails",
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other securities",
        "label": "Other Debt Obligations [Member]",
        "documentation": "Investments in debt securities classified as other."
       }
      }
     },
     "auth_ref": [
      "r1424",
      "r1484"
     ]
    },
    "us-gaap_OtherExpenses": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherExpenses",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/SegmentReportingDetails": {
       "parentTag": "us-gaap_OperatingExpenses",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other operating expenses",
        "label": "Other Expenses",
        "documentation": "Amount of expense classified as other."
       }
      }
     },
     "auth_ref": [
      "r133",
      "r134"
     ]
    },
    "slm_OtherIncomePolicyPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "OtherIncomePolicyPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Income",
        "label": "Other Income Policy [Policy Text Block]",
        "documentation": "Other income."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherInterestEarningAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherInterestEarningAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other interest-earning assets",
        "label": "Other Interest Earning Assets",
        "documentation": "Amount of interest earning assets classified as other."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherInvestmentNotReadilyMarketableFairValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherInvestmentNotReadilyMarketableFairValue",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-marketable securities investment",
        "label": "Other Investment Not Readily Marketable, Fair Value",
        "documentation": "Value of the other investment not readily marketable determined by management based upon fair value methods, including pricing of similar securities and valuation techniques, that was used to record the investment for financial reporting purposes."
       }
      }
     },
     "auth_ref": [
      "r908"
     ]
    },
    "slm_OtherInvestmentNotReadilyMarketableGainLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "OtherInvestmentNotReadilyMarketableGainLoss",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gain (loss) on non-marketable securities investment",
        "label": "Other Investment Not Readily Marketable, Gain (Loss)",
        "documentation": "Other Investment Not Readily Marketable, Gain (Loss)"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherInvestments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherInvestments",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Investments",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other investments",
        "label": "Other Investments",
        "documentation": "Amount of investments classified as other."
       }
      }
     },
     "auth_ref": [
      "r942",
      "r1361"
     ]
    },
    "us-gaap_OtherLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Liabilities",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails": {
       "parentTag": "us-gaap_Liabilities",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other liabilities",
        "label": "Other Liabilities",
        "documentation": "Amount of liabilities classified as other."
       }
      }
     },
     "auth_ref": [
      "r186",
      "r934",
      "r1024",
      "r1025",
      "r1226",
      "r1604",
      "r1639"
     ]
    },
    "slm_OtherLiabilitiesReserve": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "OtherLiabilitiesReserve",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CommitmentsContingenciesandGuaranteesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other liabilities reserve",
        "label": "Other Liabilities Reserve",
        "documentation": "Other Liabilities Reserve"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherNoncashIncomeExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherNoncashIncomeExpense",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 20.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Other adjustments to net income, net",
        "label": "Other Noncash Income (Expense)",
        "documentation": "Amount of income (expense) included in net income that results in no cash inflow (outflow), classified as other."
       }
      }
     },
     "auth_ref": [
      "r141"
     ]
    },
    "us-gaap_OtherNoninterestExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "OtherNoninterestExpense",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "slm_OperatingExpensesExcludingAmortizationOfIntangibleAssets",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other operating expenses",
        "label": "Other Noninterest Expense",
        "documentation": "Amount of noninterest expense classified as other."
       }
      }
     },
     "auth_ref": [
      "r195"
     ]
    },
    "ecd_OtherPerfMeasureAmt": {
     "xbrltype": "decimalItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "OtherPerfMeasureAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Performance Measure, Amount",
        "label": "Other Performance Measure, Amount"
       }
      }
     },
     "auth_ref": [
      "r1289"
     ]
    },
    "ecd_OutstandingAggtErrCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "OutstandingAggtErrCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Outstanding Aggregate Erroneous Compensation Amount",
        "label": "Outstanding Aggregate Erroneous Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1250",
      "r1261",
      "r1271",
      "r1304"
     ]
    },
    "ecd_OutstandingRecoveryCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "OutstandingRecoveryCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation Amount",
        "label": "Outstanding Recovery Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1253",
      "r1264",
      "r1274",
      "r1307"
     ]
    },
    "ecd_OutstandingRecoveryIndName": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "OutstandingRecoveryIndName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Name",
        "label": "Outstanding Recovery, Individual Name"
       }
      }
     },
     "auth_ref": [
      "r1253",
      "r1264",
      "r1274",
      "r1307"
     ]
    },
    "stpr_PA": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/stpr/2024",
     "localname": "PA",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pennsylvania",
        "label": "PENNSYLVANIA"
       }
      }
     },
     "auth_ref": []
    },
    "slm_ParValueOfMortgageBackedSecuritiesPledgedToFRB": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ParValueOfMortgageBackedSecuritiesPledgedToFRB",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Par value of mortgage-backed securities pledged to FRB",
        "label": "Par Value Of Mortgage-Backed Securities Pledged To FRB",
        "documentation": "Par Value Of Mortgage-Backed Securities Pledged To FRB"
       }
      }
     },
     "auth_ref": []
    },
    "srt_ParentCompanyMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "ParentCompanyMember",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Parent Company",
        "label": "Parent Company [Member]",
        "documentation": "Registrant with controlling financial interest in one or more subsidiaries. Controlling interest in subsidiary includes, but is not limited to, primary beneficiary of variable interest entity (VIE). Controlling interest in subsidiary excludes broker-dealer with controlling financial interest in subsidiary but control is likely to be temporary."
       }
      }
     },
     "auth_ref": [
      "r263",
      "r351"
     ]
    },
    "slm_PartnerRelationshipsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PartnerRelationshipsMember",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Partner relationship",
        "label": "Partner Relationships [Member]",
        "documentation": "Partner Relationships"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PastDueFinancingReceivablesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PastDueFinancingReceivablesTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Age Analysis of Past Due Loans Delinquencies",
        "label": "Financing Receivable, Past Due [Table Text Block]",
        "documentation": "Tabular disclosure of aging analysis for financing receivable."
       }
      }
     },
     "auth_ref": [
      "r223",
      "r225",
      "r1158",
      "r1421"
     ]
    },
    "ecd_PayVsPerformanceDisclosureLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "PayVsPerformanceDisclosureLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Pay vs Performance Disclosure [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1278"
     ]
    },
    "us-gaap_PaymentsForProceedsFromOtherInterestEarningAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PaymentsForProceedsFromOtherInterestEarningAssets",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "(Increase) decrease in other interest-earning assets",
        "label": "Payments for (Proceeds from) Other Interest Earning Assets",
        "documentation": "The net cash outflow or inflow for the increase (decrease) in other interest earning assets not separately disclosed."
       }
      }
     },
     "auth_ref": [
      "r205"
     ]
    },
    "us-gaap_PaymentsForRepurchaseOfCommonStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PaymentsForRepurchaseOfCommonStock",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 3.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 9.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Common stock repurchased",
        "terseLabel": "Common stock repurchased",
        "label": "Payments for Repurchase of Common Stock",
        "documentation": "The cash outflow to reacquire common stock during the period."
       }
      }
     },
     "auth_ref": [
      "r136"
     ]
    },
    "us-gaap_PaymentsOfDebtIssuanceCosts": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PaymentsOfDebtIssuanceCosts",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Issuance costs for unsecured debt offering",
        "label": "Payments of Debt Issuance Costs",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r32"
     ]
    },
    "us-gaap_PaymentsOfDividends": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PaymentsOfDividends",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Preferred stock dividends paid",
        "label": "Payments of Dividends",
        "documentation": "Cash outflow in the form of capital distributions and dividends to common shareholders, preferred shareholders and noncontrolling interests."
       }
      }
     },
     "auth_ref": [
      "r136"
     ]
    },
    "us-gaap_PaymentsOfDividendsCommonStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PaymentsOfDividendsCommonStock",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 4.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 10.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Common stock dividends paid",
        "label": "Payments of Ordinary Dividends, Common Stock",
        "documentation": "Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity."
       }
      }
     },
     "auth_ref": [
      "r136"
     ]
    },
    "us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PaymentsOfDividendsPreferredStockAndPreferenceStock",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Preferred stock dividends paid",
        "label": "Payments of Ordinary Dividends, Preferred Stock and Preference Stock",
        "documentation": "Amount of cash outflow in the form of ordinary dividends to preferred shareholders of the parent entity."
       }
      }
     },
     "auth_ref": [
      "r136"
     ]
    },
    "us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PaymentsToAcquireAvailableForSaleSecuritiesDebt",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": -1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Purchases of available-for-sale securities",
        "label": "Payments to Acquire Debt Securities, Available-for-Sale",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r30",
      "r336",
      "r441"
     ]
    },
    "us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PaymentsToAcquireInterestInSubsidiariesAndAffiliates",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Purchase of subsidiary, net of cash acquired",
        "label": "Payments to Acquire Interest in Subsidiaries and Affiliates",
        "documentation": "The cash outflow associated with the acquisition of or advances to an entity that is related to it but not strictly controlled (for example, an unconsolidated subsidiary, affiliate, and joint venture or equity method investment) or the acquisition of an additional interest in a subsidiary (controlled entity)."
       }
      }
     },
     "auth_ref": [
      "r31"
     ]
    },
    "slm_PaymentsToAcquireTradingSecuritiesHeldForSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PaymentsToAcquireTradingSecuritiesHeldForSale",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 14.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Increase in trading investments",
        "terseLabel": "Increase in trading investments",
        "label": "Payments To Acquire Trading Securities Held-For-Sale",
        "documentation": "Payments To Acquire Trading Securities Held-For-Sale"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_PeerGroupIssuersFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "PeerGroupIssuersFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Peer Group Issuers, Footnote",
        "label": "Peer Group Issuers, Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1288"
     ]
    },
    "ecd_PeerGroupTotalShareholderRtnAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "PeerGroupTotalShareholderRtnAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Peer Group Total Shareholder Return Amount",
        "label": "Peer Group Total Shareholder Return Amount"
       }
      }
     },
     "auth_ref": [
      "r1288"
     ]
    },
    "ecd_PeoActuallyPaidCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "PeoActuallyPaidCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "PEO Actually Paid Compensation Amount",
        "label": "PEO Actually Paid Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1280"
     ]
    },
    "ecd_PeoMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "PeoMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "PEO",
        "label": "PEO [Member]"
       }
      }
     },
     "auth_ref": [
      "r1297"
     ]
    },
    "ecd_PeoName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "PeoName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "PEO Name",
        "label": "PEO Name"
       }
      }
     },
     "auth_ref": [
      "r1290"
     ]
    },
    "ecd_PeoTotalCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "PeoTotalCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "PEO Total Compensation Amount",
        "label": "PEO Total Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1279"
     ]
    },
    "slm_PercentOfBalanceAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentOfBalanceAbstract",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "% of Balance",
        "label": "Percent Of Balance [Abstract]",
        "documentation": "Percent Of Balance"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentOfPrivateLoans": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentOfPrivateLoans",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private education loans",
        "label": "Percent Of Private Loans",
        "documentation": "Percent of private loans"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentOfPrivateLoansIndexedToLIBOROrSOFR": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentOfPrivateLoansIndexedToLIBOROrSOFR",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percent of private loans indexed to LIBOR or SOFR",
        "label": "Percent of Private Loans indexed to LIBOR Or SOFR",
        "documentation": "Percent of Private Loans indexed to LIBOR Or SOFR"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage of Private Education Loans in repayment",
        "label": "Percentage Of Loans In Repayment, Before Allowance For Credit Loss",
        "documentation": "Percentage Of Loans In Repayment, Before Allowance For Credit Loss"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage of Private Education Loans in repayment, Year 6",
        "label": "Percentage Of Loans In Repayment, Originated Five Or More Years Before Latest Fiscal Year",
        "documentation": "Percentage Of Loans In Repayment, Originated Five Or More Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage of Private Education Loans in repayment, Year 5",
        "label": "Percentage Of Loans In Repayment, Originated Four Years Before Latest Fiscal Year",
        "documentation": "Percentage Of Loans In Repayment, Originated Four Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage of Private Education Loans in repayment, Year 1",
        "label": "Percentage Of Loans In Repayment, Originated In Current Fiscal Year",
        "documentation": "Percentage Of Loans In Repayment, Originated In Current Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage of Private Education Loans in repayment, Year 2",
        "label": "Percentage Of Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year",
        "documentation": "Percentage Of Loans In Repayment, Originated In Fiscal Year Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage of Private Education Loans in repayment, Year 4",
        "label": "Percentage Of Loans In Repayment, Originated Three Years Before Latest Fiscal Year",
        "documentation": "Percentage Of Loans In Repayment, Originated Three Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage of Private Education Loans in repayment, Year 3",
        "label": "Percentage Of Loans In Repayment, Originated Two Years Before Latest Fiscal Year",
        "documentation": "Percentage Of Loans In Repayment, Originated Two Years Before Latest Fiscal Year"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percent of private education loans related to borrowers in school, grace or deferment",
        "label": "Percentage Of Private Education Loans Related To Borrowers In School, Grace or Deferment",
        "documentation": "Percentage Of Private Education Loans Related To Borrowers In School, Grace or Deferment"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Maximum loss exposure due to federal guarantee",
        "label": "Percentage Reimbursement On All Qualifying Default Claims, Maximum Loss Exposure",
        "documentation": "Percentage Reimbursement On All Qualifying Default Claims, Maximum Loss Exposure"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage reimbursement on all qualifying default claims period one (as a percentage)",
        "label": "Percentage Reimbursement On All Qualifying Default Claims Period One",
        "documentation": "Percentage reimbursement on all qualifying default claims period one."
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Variable rate",
        "label": "Percentage Reimbursement On All Qualifying Default Claims Period Three",
        "documentation": "Percentage reimbursement on all qualifying default claims period three."
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage reimbursement on all qualifying default claims period two (as a percentage)",
        "label": "Percentage Reimbursement On All Qualifying Ffelp Default Claims Period Two",
        "documentation": "Percentage Reimbursement On All Qualifying FFELP Default Claims Period Two"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageofAggregateOutstandingLoansHeldForInvestment": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageofAggregateOutstandingLoansHeldForInvestment",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage of aggregate outstanding loans held for investment",
        "label": "Percentage of Aggregate Outstanding Loans Held For Investment",
        "documentation": "Percentage of Aggregate Outstanding Loans Held For Investment"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageofLoansconcentratedinmajorstates": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageofLoansconcentratedinmajorstates",
     "calculation": {
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage of loans concentrated in major states",
        "totalLabel": "Percentage of loans concentrated in major states",
        "label": "Percentage of Loans concentrated in major states",
        "documentation": "Percentage of Loans concentrated in major states"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PercentageofLoansheldinstate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PercentageofLoansheldinstate",
     "calculation": {
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails": {
       "parentTag": "slm_PercentageofLoansconcentratedinmajorstates",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage of loans held in state",
        "label": "Percentage of Loans held in state",
        "documentation": "Percentage of Loans held in state"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PerformanceVestingStockOptionsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PerformanceVestingStockOptionsMember",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Performance Vesting Stock Options",
        "label": "Performance Vesting Stock Options [Member]",
        "documentation": "Performance Vesting Stock Options [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PeriodOfDefermentForAdoptionOfNewAccountingPronouncements": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PeriodOfDefermentForAdoptionOfNewAccountingPronouncements",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Period of deferment",
        "label": "Period Of Deferment For Adoption Of New Accounting Pronouncements",
        "documentation": "Period Of Deferment For Adoption Of New Accounting Pronouncements"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PeriodofLoansPastDueThatHaveAccruedInterest": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PeriodofLoansPastDueThatHaveAccruedInterest",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Period of loans past due that have accrued interest",
        "label": "Period of Loans Past Due That Have Accrued Interest",
        "documentation": "Period of Loans Past Due That Have Accrued Interest"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PlanNameAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PlanNameAxis",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Plan Name [Axis]",
        "label": "Plan Name [Axis]",
        "documentation": "Information by plan name for share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r1522",
      "r1523",
      "r1524",
      "r1525",
      "r1526",
      "r1527",
      "r1528",
      "r1529",
      "r1530",
      "r1531",
      "r1532",
      "r1533",
      "r1534",
      "r1535",
      "r1536",
      "r1537",
      "r1538",
      "r1539",
      "r1540",
      "r1541",
      "r1542",
      "r1543",
      "r1544",
      "r1545",
      "r1546",
      "r1547"
     ]
    },
    "us-gaap_PlanNameDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PlanNameDomain",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Plan Name [Domain]",
        "label": "Plan Name [Domain]",
        "documentation": "Plan name for share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r1522",
      "r1523",
      "r1524",
      "r1525",
      "r1526",
      "r1527",
      "r1528",
      "r1529",
      "r1530",
      "r1531",
      "r1532",
      "r1533",
      "r1534",
      "r1535",
      "r1536",
      "r1537",
      "r1538",
      "r1539",
      "r1540",
      "r1541",
      "r1542",
      "r1543",
      "r1544",
      "r1545",
      "r1546",
      "r1547"
     ]
    },
    "ecd_PnsnAdjsPrrSvcCstMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "PnsnAdjsPrrSvcCstMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pension Adjustments Prior Service Cost",
        "label": "Pension Adjustments Prior Service Cost [Member]"
       }
      }
     },
     "auth_ref": [
      "r1281"
     ]
    },
    "ecd_PnsnAdjsSvcCstMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "PnsnAdjsSvcCstMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pension Adjustments Service Cost",
        "label": "Pension Adjustments Service Cost [Member]"
       }
      }
     },
     "auth_ref": [
      "r1337"
     ]
    },
    "ecd_PnsnBnftsAdjFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "PnsnBnftsAdjFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pension Benefits Adjustments, Footnote",
        "label": "Pension Benefits Adjustments, Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1280"
     ]
    },
    "us-gaap_PortionAtFairValueFairValueDisclosureMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PortionAtFairValueFairValueDisclosureMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Portion at Fair Value Measurement",
        "label": "Portion at Fair Value Measurement [Member]",
        "documentation": "Measured at fair value for financial reporting purposes."
       }
      }
     },
     "auth_ref": [
      "r808"
     ]
    },
    "us-gaap_PreferredStockDividendRatePerDollarAmount": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PreferredStockDividendRatePerDollarAmount",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock dividend rate (in dollars per share)",
        "label": "Preferred Stock, Dividend Rate, Per-Dollar-Amount",
        "documentation": "The amount per share used to calculated dividend payments on preferred stock."
       }
      }
     },
     "auth_ref": [
      "r611"
     ]
    },
    "us-gaap_PreferredStockDividendRatePercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PreferredStockDividendRatePercentage",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock dividend rate (as a percentage)",
        "label": "Preferred Stock, Dividend Rate, Percentage",
        "documentation": "The percentage rate used to calculate dividend payments on preferred stock."
       }
      }
     },
     "auth_ref": [
      "r611",
      "r1076",
      "r1081",
      "r1083",
      "r1100"
     ]
    },
    "us-gaap_PreferredStockDividendsIncomeStatementImpact": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PreferredStockDividendsIncomeStatementImpact",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock dividends",
        "verboseLabel": "Preferred stock dividends",
        "label": "Preferred Stock Dividends, Income Statement Impact",
        "documentation": "The amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PreferredStockLiquidationPreference": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PreferredStockLiquidationPreference",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock liquidation preference (in dollars per share)",
        "label": "Preferred Stock, Liquidation Preference Per Share",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r52",
      "r53",
      "r118",
      "r1375",
      "r1457"
     ]
    },
    "us-gaap_PreferredStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PreferredStockMember",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred Stock",
        "label": "Preferred Stock [Member]",
        "documentation": "Preferred shares may provide a preferential dividend to the dividend on common stock and may take precedence over common stock in the event of a liquidation. Preferred shares typically represent an ownership interest in the company."
       }
      }
     },
     "auth_ref": [
      "r1211",
      "r1212",
      "r1215",
      "r1216",
      "r1217",
      "r1220",
      "r1637",
      "r1643"
     ]
    },
    "us-gaap_PreferredStockParOrStatedValuePerShare": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PreferredStockParOrStatedValuePerShare",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock, par or stated value (in dollars per share)",
        "label": "Preferred Stock, Par or Stated Value Per Share",
        "documentation": "Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer."
       }
      }
     },
     "auth_ref": [
      "r118",
      "r610"
     ]
    },
    "us-gaap_PreferredStockSharesAuthorized": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PreferredStockSharesAuthorized",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock, shares authorized (in shares)",
        "label": "Preferred Stock, Shares Authorized",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r118",
      "r1030"
     ]
    },
    "us-gaap_PreferredStockSharesIssued": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PreferredStockSharesIssued",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock, shares issued (in shares)",
        "label": "Preferred Stock, Shares Issued",
        "documentation": "Number of shares issued for nonredeemable preferred shares and preferred shares redeemable solely at option of issuer. Includes, but is not limited to, preferred shares issued, repurchased, and held as treasury shares. Excludes preferred shares classified as debt."
       }
      }
     },
     "auth_ref": [
      "r118",
      "r610"
     ]
    },
    "us-gaap_PreferredStockSharesOutstanding": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PreferredStockSharesOutstanding",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical",
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock, shares issued (in shares)",
        "label": "Preferred Stock, Shares Outstanding",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r118",
      "r1030",
      "r1048",
      "r1643",
      "r1644"
     ]
    },
    "us-gaap_PreferredStockValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PreferredStockValue",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Series B: 2.5 million and 2.5 million shares issued, respectively, at stated value of $100 per share",
        "label": "Preferred Stock, Value, Issued",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r118",
      "r937",
      "r1196"
     ]
    },
    "us-gaap_PreferredStockValueOutstanding": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PreferredStockValueOutstanding",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Series B: 2.5 million and 2.5 million shares issued, respectively, at stated value of $100 per share",
        "label": "Preferred Stock, Value, Outstanding",
        "documentation": "Value of nonredeemable preferred shares and preferred shares redeemable solely at option of issuer, held by shareholders. Excludes preferred shares repurchased and held as treasury shares."
       }
      }
     },
     "auth_ref": [
      "r118",
      "r1030"
     ]
    },
    "us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private education loan term accounted for as a secured financing",
        "label": "Loan, Held-for-Sale or Securitization or Asset-Backed Financing Arrangement, Principal Outstanding",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r22"
     ]
    },
    "slm_PrivateEducationLoanSecuritizationMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PrivateEducationLoanSecuritizationMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
      "http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loan term securitizations:",
        "label": "Private Education Loan Securitization [Member]",
        "documentation": "Private Education Loan Securitization [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PrivateEducationLoansAtOrigination": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PrivateEducationLoansAtOrigination",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans at origination",
        "label": "Private Education Loans At Origination",
        "documentation": "Private Education Loans At Origination"
       }
      }
     },
     "auth_ref": []
    },
    "slm_PrivateEducationLoansGrossPercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PrivateEducationLoansGrossPercentage",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total in percent",
        "label": "Private Education Loans Gross, Percentage",
        "documentation": "Private education loans gross in percent."
       }
      }
     },
     "auth_ref": []
    },
    "slm_PrivateEducationLoansMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "PrivateEducationLoansMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails",
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Education Loans",
        "verboseLabel": "Private Education Loans",
        "label": "Private Education Loans [Member]",
        "documentation": "Private education loans."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ProceedsFromDividendsReceived": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ProceedsFromDividendsReceived",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Dividends received from Sallie Mae Bank",
        "label": "Proceeds from Dividends Received",
        "documentation": "Dividends received on equity and other investments during the current period."
       }
      }
     },
     "auth_ref": [
      "r1372"
     ]
    },
    "us-gaap_ProceedsFromIncomeTaxRefunds": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ProceedsFromIncomeTaxRefunds",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Income taxes refunded",
        "label": "Proceeds from Income Tax Refunds",
        "documentation": "Amount of income tax refund received from tax jurisdiction."
       }
      }
     },
     "auth_ref": [
      "r35",
      "r139",
      "r1374",
      "r1554",
      "r1555"
     ]
    },
    "us-gaap_ProceedsFromIssuanceOfDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ProceedsFromIssuanceOfDebt",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Proceeds from Issuance of Debt",
        "label": "Proceeds from Issuance of Debt",
        "documentation": "The cash inflow during the period from additional borrowings in aggregate debt. Includes proceeds from short-term and long-term debt."
       }
      }
     },
     "auth_ref": [
      "r1371"
     ]
    },
    "us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Proceeds from sales and maturities of available-for-sale securities",
        "label": "Proceeds from Sale and Maturity of Debt Securities, Available-for-Sale",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r336",
      "r337",
      "r1406"
     ]
    },
    "us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ProceedsFromSaleOfAvailableForSaleSecuritiesDebt",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans Transferred to the Trust by Third-Party Seller",
        "label": "Proceeds from Sale of Debt Securities, Available-for-Sale",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r29",
      "r336",
      "r441",
      "r473"
     ]
    },
    "us-gaap_ProceedsFromStockOptionsExercised": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ProceedsFromStockOptionsExercised",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash received from option exercises",
        "label": "Proceeds from Stock Options Exercised",
        "documentation": "Amount of cash inflow from exercise of option under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r4",
      "r18"
     ]
    },
    "slm_ProceedsfromClaimpayments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ProceedsfromClaimpayments",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Proceeds from FFELP Loan claim payments",
        "label": "Proceeds from Claim payments",
        "documentation": "Proceeds from Claim payments"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ProfessionalFees": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ProfessionalFees",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/SegmentReportingDetails": {
       "parentTag": "us-gaap_OperatingExpenses",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Professional fees",
        "label": "Professional Fees",
        "documentation": "A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer."
       }
      }
     },
     "auth_ref": [
      "r1146",
      "r1224",
      "r1641",
      "r1642"
     ]
    },
    "us-gaap_ProfitLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ProfitLoss",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME": {
       "parentTag": "us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME": {
       "parentTag": "us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails",
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net income",
        "terseLabel": "Net income",
        "verboseLabel": "Net income",
        "label": "Net Income (Loss), Including Portion Attributable to Noncontrolling Interest",
        "documentation": "The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest."
       }
      }
     },
     "auth_ref": [
      "r297",
      "r323",
      "r326",
      "r340",
      "r348",
      "r356",
      "r364",
      "r367",
      "r368",
      "r474",
      "r572",
      "r573",
      "r574",
      "r575",
      "r576",
      "r577",
      "r578",
      "r579",
      "r580",
      "r730",
      "r740",
      "r741",
      "r744",
      "r745",
      "r780",
      "r810",
      "r917",
      "r946",
      "r996",
      "r1050",
      "r1067",
      "r1068",
      "r1180",
      "r1181",
      "r1225",
      "r1368",
      "r1451"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PropertyPlantAndEquipmentAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Property, Plant and Equipment [Abstract]",
        "label": "Property, Plant and Equipment [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PropertyPlantAndEquipmentByTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PropertyPlantAndEquipmentByTypeAxis",
     "presentation": [
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Property, Plant and Equipment, Type [Axis]",
        "label": "Long-Lived Tangible Asset [Axis]",
        "documentation": "Information by type of long-lived, physical assets used to produce goods and services and not intended for resale."
       }
      }
     },
     "auth_ref": [
      "r9",
      "r827"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PropertyPlantAndEquipmentDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/PremisesandEquipmentNet"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Premises and Equipment, net",
        "label": "Property, Plant and Equipment Disclosure [Text Block]",
        "documentation": "The entire disclosure for long-lived, physical asset used in normal conduct of business and not intended for resale. Includes, but is not limited to, work of art, historical treasure, and similar asset classified as collections."
       }
      }
     },
     "auth_ref": [
      "r144",
      "r243",
      "r248",
      "r249"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentGross": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PropertyPlantAndEquipmentGross",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails": {
       "parentTag": "us-gaap_PropertyPlantAndEquipmentNet",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Premises and equipment, gross",
        "label": "Property, Plant and Equipment, Gross",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r145",
      "r299",
      "r944"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PropertyPlantAndEquipmentLineItems",
     "presentation": [
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Property, Plant and Equipment [Line Items]",
        "label": "Property, Plant and Equipment [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r827"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PropertyPlantAndEquipmentNet",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 4.0
      },
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Premises and equipment, net",
        "totalLabel": "Premises and equipment, net",
        "label": "Property, Plant and Equipment, Net",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r9",
      "r827",
      "r918",
      "r944",
      "r1196"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PropertyPlantAndEquipmentTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/PremisesandEquipmentNetTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Property, Plant and Equipment",
        "label": "Property, Plant and Equipment [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r9"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "PropertyPlantAndEquipmentTypeDomain",
     "presentation": [
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Property, Plant and Equipment, Type [Domain]",
        "label": "Long-Lived Tangible Asset [Domain]",
        "documentation": "Listing of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software."
       }
      }
     },
     "auth_ref": [
      "r145",
      "r827"
     ]
    },
    "ecd_PvpTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "PvpTable",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pay vs Performance Disclosure",
        "label": "Pay vs Performance Disclosure [Table]"
       }
      }
     },
     "auth_ref": [
      "r1278"
     ]
    },
    "ecd_PvpTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "PvpTableTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pay vs Performance Disclosure, Table",
        "label": "Pay vs Performance [Table Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1278"
     ]
    },
    "us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "QualifiedAffordableHousingProjectInvestmentsCommitment",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Liability for unfunded commitments",
        "label": "Investment Program, Proportional Amortization Method, Elected, Commitment",
        "documentation": "Amount of commitment and contingent commitment, including amount of delayed equity contribution, for investment that generates income tax credit and other income tax benefit under tax credit program elected to be accounted for using proportional amortization method. Includes, but is not limited to, commitment and contingent commitment related to investment under tax credit program not meeting condition for accounting under proportional amortization method."
       }
      }
     },
     "auth_ref": [
      "r1341"
     ]
    },
    "srt_RangeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "RangeAxis",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails",
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statistical Measurement [Axis]",
        "label": "Statistical Measurement [Axis]",
        "documentation": "Information by statistical measurement. Includes, but is not limited to, minimum, maximum, weighted average, arithmetic average, and median."
       }
      }
     },
     "auth_ref": [
      "r264",
      "r266",
      "r268",
      "r269",
      "r271",
      "r288",
      "r289",
      "r565",
      "r566",
      "r567",
      "r568",
      "r626",
      "r637",
      "r671",
      "r672",
      "r673",
      "r679",
      "r786",
      "r844",
      "r854",
      "r870",
      "r965",
      "r967",
      "r981",
      "r1020",
      "r1021",
      "r1075",
      "r1080",
      "r1084",
      "r1085",
      "r1099",
      "r1128",
      "r1129",
      "r1151",
      "r1167",
      "r1174",
      "r1188",
      "r1189",
      "r1193",
      "r1194",
      "r1206",
      "r1213",
      "r1447",
      "r1455",
      "r1569",
      "r1592",
      "r1593",
      "r1594",
      "r1595",
      "r1596"
     ]
    },
    "srt_RangeMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "RangeMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails",
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statistical Measurement [Domain]",
        "label": "Statistical Measurement [Domain]",
        "documentation": "Statistical measurement. Includes, but is not limited to, minimum, maximum, weighted average, arithmetic average, and median."
       }
      }
     },
     "auth_ref": [
      "r264",
      "r266",
      "r268",
      "r269",
      "r271",
      "r288",
      "r289",
      "r565",
      "r566",
      "r567",
      "r568",
      "r626",
      "r637",
      "r671",
      "r672",
      "r673",
      "r679",
      "r786",
      "r844",
      "r854",
      "r870",
      "r965",
      "r967",
      "r981",
      "r1020",
      "r1021",
      "r1075",
      "r1080",
      "r1084",
      "r1085",
      "r1099",
      "r1128",
      "r1129",
      "r1151",
      "r1167",
      "r1174",
      "r1188",
      "r1189",
      "r1193",
      "r1194",
      "r1206",
      "r1213",
      "r1447",
      "r1455",
      "r1569",
      "r1592",
      "r1593",
      "r1594",
      "r1595",
      "r1596"
     ]
    },
    "us-gaap_ReceivablesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ReceivablesAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Receivables [Abstract]",
        "label": "Receivables [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reclassification out of Accumulated Other Comprehensive Income [Axis]",
        "label": "Reclassification out of Accumulated Other Comprehensive Income [Axis]",
        "documentation": "Information by item reclassified out of accumulated other comprehensive income (loss)."
       }
      }
     },
     "auth_ref": [
      "r331"
     ]
    },
    "us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reclassification out of Accumulated Other Comprehensive Income [Domain]",
        "label": "Reclassification out of Accumulated Other Comprehensive Income [Domain]",
        "documentation": "Item reclassified out of accumulated other comprehensive income (loss)."
       }
      }
     },
     "auth_ref": [
      "r331"
     ]
    },
    "us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reclassification out of Accumulated Other Comprehensive Income",
        "label": "Reclassification out of Accumulated Other Comprehensive Income [Member]",
        "documentation": "Identifies item reclassified out of accumulated other comprehensive income (loss)."
       }
      }
     },
     "auth_ref": [
      "r331"
     ]
    },
    "us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unrecognized Tax Benefits [Roll Forward]",
        "label": "Unrecognized Tax Benefits [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "ecd_RecoveryOfErrCompDisclosureLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "RecoveryOfErrCompDisclosureLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Recovery of Erroneously Awarded Compensation Disclosure [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1245",
      "r1256",
      "r1266",
      "r1299"
     ]
    },
    "us-gaap_RegulatoryAssetsAndLiabilitiesDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RegulatoryAssetsAndLiabilitiesDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Regulatory Assets and Liabilities Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapital"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Regulatory Capital",
        "label": "Regulatory Capital Requirements under Banking Regulations [Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r919",
      "r920",
      "r921",
      "r923",
      "r924",
      "r925",
      "r927",
      "r928"
     ]
    },
    "slm_RepaymentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "RepaymentsMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Seasoning",
        "label": "Repayments [Member]",
        "documentation": "Repayments credit quality indicators that are developed and used internally by the company."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_RepaymentsOfLongTermDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RepaymentsOfLongTermDebt",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Repayment of long-term debt",
        "label": "Repayments of Long-Term Debt",
        "documentation": "The cash outflow for debt initially having maturity due after one year or beyond the normal operating cycle, if longer."
       }
      }
     },
     "auth_ref": [
      "r137",
      "r992"
     ]
    },
    "slm_ReportableSegmentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ReportableSegmentMember",
     "presentation": [
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reportable Segment",
        "label": "Reportable Segment [Member]",
        "documentation": "Reportable Segment"
       }
      }
     },
     "auth_ref": []
    },
    "slm_ResidualInterestPercentageOfFacilityTrust": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ResidualInterestPercentageOfFacilityTrust",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Residual interest percentage of facility trust",
        "label": "Residual Interest Percentage Of Facility Trust",
        "documentation": "Residual Interest Percentage Of Facility Trust"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_RestatementDateAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "RestatementDateAxis",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restatement Determination Date:",
        "label": "Restatement Determination Date [Axis]"
       }
      }
     },
     "auth_ref": [
      "r1246",
      "r1257",
      "r1267",
      "r1300"
     ]
    },
    "ecd_RestatementDeterminationDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "RestatementDeterminationDate",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restatement Determination Date",
        "label": "Restatement Determination Date"
       }
      }
     },
     "auth_ref": [
      "r1247",
      "r1258",
      "r1268",
      "r1301"
     ]
    },
    "ecd_RestatementDoesNotRequireRecoveryTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "RestatementDoesNotRequireRecoveryTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restatement does not require Recovery",
        "label": "Restatement Does Not Require Recovery [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1254",
      "r1265",
      "r1275",
      "r1308"
     ]
    },
    "us-gaap_RestrictedCashAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RestrictedCashAbstract",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Carrying Amount of Net Assets Securing Debt Outstanding",
        "label": "Restricted Cash [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_RestrictedCashAndInvestments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RestrictedCashAndInvestments",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails",
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restricted cash",
        "verboseLabel": "Restricted Cash",
        "label": "Restricted Cash and Investments",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1115",
      "r1116"
     ]
    },
    "slm_RestrictedCashandInvestmentsPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "RestrictedCashandInvestmentsPolicyTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restricted Cash",
        "label": "Restricted Cash and Investments [Policy Text Block]",
        "documentation": "Restricted Cash and Investments [Policy Text Block]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_RestrictedStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RestrictedStockMember",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restricted Stock",
        "label": "Restricted Stock [Member]",
        "documentation": "Stock including a provision that prohibits sale or substantive sale of an equity instrument for a specified period of time or until specified performance conditions are met."
       }
      }
     },
     "auth_ref": [
      "r36"
     ]
    },
    "slm_RestrictedStockUnitsAndPerformanceStockUnitsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "RestrictedStockUnitsAndPerformanceStockUnitsMember",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restricted Stock Units And Performance Stock Units",
        "label": "Restricted Stock Units And Performance Stock Units [Member]",
        "documentation": "Restricted Stock Units and Performance Stock Units [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_RestrictedStockUnitsRSUMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RestrictedStockUnitsRSUMember",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restricted Stock Units (RSUs)",
        "label": "Restricted Stock Units (RSUs) [Member]",
        "documentation": "Share instrument which is convertible to stock or an equivalent amount of cash, after a specified period of time or when specified performance conditions are met."
       }
      }
     },
     "auth_ref": []
    },
    "slm_RetailandOtherDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "RetailandOtherDeposits",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Retail and other deposits",
        "label": "Retail and Other Deposits",
        "documentation": "Retail and Other Deposits"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_RetainedEarningsAccumulatedDeficit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RetainedEarningsAccumulatedDeficit",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
      "http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Retained earnings",
        "verboseLabel": "Retained earnings",
        "label": "Retained Earnings (Accumulated Deficit)",
        "documentation": "Amount of accumulated undistributed earnings (deficit)."
       }
      }
     },
     "auth_ref": [
      "r122",
      "r152",
      "r940",
      "r975",
      "r980",
      "r993",
      "r1031",
      "r1196"
     ]
    },
    "us-gaap_RetainedEarningsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RetainedEarningsMember",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Retained Earnings",
        "label": "Retained Earnings [Member]",
        "documentation": "Accumulated undistributed earnings (deficit)."
       }
      }
     },
     "auth_ref": [
      "r292",
      "r352",
      "r353",
      "r354",
      "r357",
      "r364",
      "r366",
      "r368",
      "r479",
      "r485",
      "r550",
      "r707",
      "r708",
      "r726",
      "r727",
      "r728",
      "r731",
      "r739",
      "r740",
      "r760",
      "r763",
      "r764",
      "r767",
      "r778",
      "r824",
      "r826",
      "r971",
      "r973",
      "r997",
      "r1643"
     ]
    },
    "us-gaap_RetainedInterestMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RetainedInterestMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValueMeasurementInputsandValuationTechniquesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading - Residual Interests",
        "label": "Retained Interest [Member]",
        "documentation": "This item represents the interest continued to be held by a transferor (retained or residual interest) after transferring financial assets to a third party."
       }
      }
     },
     "auth_ref": [
      "r176"
     ]
    },
    "us-gaap_RetirementPlanNameAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RetirementPlanNameAxis",
     "presentation": [
      "http://www.salliemae.com/role/DefinedContributionPlansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Retirement Plan Name [Axis]",
        "label": "Retirement Plan Name [Axis]",
        "documentation": "Information by name of plan designed to provide retirement benefits. Includes, but is not limited to, legal name of defined benefit and defined contribution plans."
       }
      }
     },
     "auth_ref": [
      "r634",
      "r635",
      "r636",
      "r637",
      "r638",
      "r639",
      "r640",
      "r641",
      "r642",
      "r1174",
      "r1343",
      "r1462",
      "r1463",
      "r1464",
      "r1465",
      "r1466",
      "r1467",
      "r1468",
      "r1469",
      "r1470",
      "r1471",
      "r1472",
      "r1473",
      "r1474",
      "r1475",
      "r1476",
      "r1477",
      "r1478",
      "r1479",
      "r1480",
      "r1481",
      "r1482",
      "r1483",
      "r1484",
      "r1485",
      "r1486",
      "r1487",
      "r1488",
      "r1489",
      "r1490",
      "r1491",
      "r1492",
      "r1493",
      "r1494",
      "r1495",
      "r1496",
      "r1497",
      "r1498",
      "r1499",
      "r1500",
      "r1501",
      "r1502",
      "r1503",
      "r1504",
      "r1505",
      "r1506",
      "r1507",
      "r1508",
      "r1509",
      "r1510",
      "r1511",
      "r1512",
      "r1513",
      "r1514",
      "r1515",
      "r1516",
      "r1517",
      "r1518",
      "r1519",
      "r1520",
      "r1521"
     ]
    },
    "us-gaap_RetirementPlanNameDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RetirementPlanNameDomain",
     "presentation": [
      "http://www.salliemae.com/role/DefinedContributionPlansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Retirement Plan Name [Domain]",
        "label": "Retirement Plan Name [Domain]",
        "documentation": "Name of plan designed to provide retirement benefits. Includes, but is not limited to, legal name of defined benefit and defined contribution plans."
       }
      }
     },
     "auth_ref": [
      "r634",
      "r635",
      "r636",
      "r637",
      "r638",
      "r639",
      "r640",
      "r641",
      "r642",
      "r1174",
      "r1343",
      "r1462",
      "r1463",
      "r1464",
      "r1465",
      "r1466",
      "r1467",
      "r1468",
      "r1469",
      "r1470",
      "r1471",
      "r1472",
      "r1473",
      "r1474",
      "r1475",
      "r1476",
      "r1477",
      "r1478",
      "r1479",
      "r1480",
      "r1481",
      "r1482",
      "r1483",
      "r1484",
      "r1485",
      "r1486",
      "r1487",
      "r1488",
      "r1489",
      "r1490",
      "r1491",
      "r1492",
      "r1493",
      "r1494",
      "r1495",
      "r1496",
      "r1497",
      "r1498",
      "r1499",
      "r1500",
      "r1501",
      "r1502",
      "r1503",
      "r1504",
      "r1505",
      "r1506",
      "r1507",
      "r1508",
      "r1509",
      "r1510",
      "r1511",
      "r1512",
      "r1513",
      "r1514",
      "r1515",
      "r1516",
      "r1517",
      "r1518",
      "r1519",
      "r1520",
      "r1521"
     ]
    },
    "us-gaap_RiskBasedRatiosAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RiskBasedRatiosAbstract",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Actual Ratio",
        "label": "Banking Regulation, Risk-Based Information [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_RisksAndUncertaintiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "RisksAndUncertaintiesAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Risks and Uncertainties [Abstract]",
        "label": "Risks and Uncertainties [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_Rule10b51ArrAdoptedFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "Rule10b51ArrAdoptedFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Rule 10b5-1 Arrangement Adopted",
        "label": "Rule 10b5-1 Arrangement Adopted [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1317"
     ]
    },
    "ecd_Rule10b51ArrTrmntdFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "Rule10b51ArrTrmntdFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Rule 10b5-1 Arrangement Terminated",
        "label": "Rule 10b5-1 Arrangement Terminated [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1317"
     ]
    },
    "slm_Rule10b51TradingPlanMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Rule10b51TradingPlanMember",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Rule 10b5-1 Trading Plan",
        "label": "Rule 10b5-1 Trading Plan [Member]",
        "documentation": "Rule 10b5-1 Trading Plan"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SMBPrivateEducationLoanTrust2023AMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SMBPrivateEducationLoanTrust2023AMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2023-A ABS Transaction",
        "label": "SMB Private Education Loan Trust 2023-A [Member]",
        "documentation": "SMB Private Education Loan Trust 2023-A"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SMBPrivateEducationLoanTrust2023BMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SMBPrivateEducationLoanTrust2023BMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2023-B ABS transaction",
        "label": "SMB Private Education Loan Trust 2023-B [Member]",
        "documentation": "SMB Private Education Loan Trust 2023-B"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SMBPrivateEducationLoanTrust2023CMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SMBPrivateEducationLoanTrust2023CMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2023-C ABS Transaction",
        "label": "SMB Private Education Loan Trust 2023-C [Member]",
        "documentation": "SMB Private Education Loan Trust 2023-C"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SMBPrivateEducationLoanTrust2023DMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SMBPrivateEducationLoanTrust2023DMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2023-D ABS transaction",
        "label": "SMB Private Education Loan Trust 2023-D [Member]",
        "documentation": "SMB Private Education Loan Trust 2023-D"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SMBPrivateEducationLoanTrust2024AMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SMBPrivateEducationLoanTrust2024AMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024-A ABS transaction",
        "label": "SMB Private Education Loan Trust 2024-A [Member]",
        "documentation": "SMB Private Education Loan Trust 2024-A"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SMBPrivateEducationLoanTrust2024BMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SMBPrivateEducationLoanTrust2024BMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024-B ABS transaction",
        "label": "SMB Private Education Loan Trust 2024-B [Member]",
        "documentation": "SMB Private Education Loan Trust 2024-B"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SMBPrivateEducationLoanTrust2024CMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SMBPrivateEducationLoanTrust2024CMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024-C ABS Transaction",
        "label": "SMB Private Education Loan Trust 2024-C [Member]",
        "documentation": "SMB Private Education Loan Trust 2024-C"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SMBPrivateEducationLoanTrust2024DMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SMBPrivateEducationLoanTrust2024DMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024-D ABS transaction",
        "label": "SMB Private Education Loan Trust 2024-D [Member]",
        "documentation": "SMB Private Education Loan Trust 2024-D"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SMBPrivateEducationLoanTrust2024EMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SMBPrivateEducationLoanTrust2024EMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024-E ABS Transaction",
        "label": "SMB Private Education Loan Trust 2024-E [Member]",
        "documentation": "SMB Private Education Loan Trust 2024-E"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SMBPrivateEducationLoanTrust2024FMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SMBPrivateEducationLoanTrust2024FMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsSecuredFinancingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024-F ABS Transaction",
        "label": "SMB Private Education Loan Trust 2024-F [Member]",
        "documentation": "SMB Private Education Loan Trust 2024-F"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SMBPrivateEducationLoanTrust2024R1Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SMBPrivateEducationLoanTrust2024R1Member",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSecuritiesFinancingTransactionsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024-R1 ABS transaction",
        "label": "SMB Private Education Loan Trust 2024-R1 [Member]",
        "documentation": "SMB Private Education Loan Trust 2024-R1"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Sallie.comDomainMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Sallie.comDomainMember",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Sallie.com domain",
        "label": "Sallie.com Domain [Member]",
        "documentation": "Sallie.com Domain"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SallieMae401kSavingsPlanMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SallieMae401kSavingsPlanMember",
     "presentation": [
      "http://www.salliemae.com/role/DefinedContributionPlansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Sallie Mae 401(k) Savings Plan",
        "label": "Sallie Mae 401(k) Savings Plan [Member]",
        "documentation": "Sallie Mae 401(k) Savings Plan [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfAccountsNotesLoansAndFinancingReceivableTable",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAllowanceandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsFinancingReceivableModifiedSubsequentDefaultDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsPaymentStatusAmortizedCostBasisDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentNarrativeDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesAllowanceforFFELPLoansandLoanInterestIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accounts and Financing Receivables [Table]",
        "label": "Accounts and Financing Receivables [Table]",
        "documentation": "Disclosure of information about accounts and financing receivables. Includes, but is not limited to, amount of receivable and allowance for credit loss."
       }
      }
     },
     "auth_ref": [
      "r120",
      "r126",
      "r434",
      "r1402"
     ]
    },
    "us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Loans Held for Investment",
        "label": "Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]",
        "documentation": "Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables."
       }
      }
     },
     "auth_ref": [
      "r120",
      "r126"
     ]
    },
    "us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss)",
        "label": "Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]",
        "documentation": "Tabular disclosure of the components of accumulated other comprehensive income (loss)."
       }
      }
     },
     "auth_ref": [
      "r28",
      "r1583",
      "r1584"
     ]
    },
    "slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableLineItems",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Line Items]",
        "label": "Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Line Items]",
        "documentation": "[Line Items] for Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Table]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Table]",
        "label": "Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Table]",
        "documentation": "Schedule Of Allowance For Credit Losses And Recorded Investment In Financing Receivables Table [Table]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfAvailableForSaleSecuritiesLineItems",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails",
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails",
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails",
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Securities, Available-for-sale [Line Items]",
        "label": "Debt Securities, Available-for-Sale [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r443",
      "r444",
      "r445",
      "r446",
      "r447",
      "r448",
      "r449",
      "r450",
      "r451",
      "r452",
      "r453",
      "r454"
     ]
    },
    "us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Amortized Cost and Fair Value of Securities Available-for-Sale",
        "label": "Schedule of Available-for-Sale Securities Reconciliation [Table Text Block]",
        "documentation": "Tabular disclosure of the reconciliation of available-for-sale securities from cost basis to fair value."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfBusinessAcquisitionsByAcquisitionTable",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Business Acquisitions, by Acquisition [Table]",
        "label": "Schedule of Business Acquisitions, by Acquisition [Table]",
        "documentation": "Disclosure of information about business combination. Includes, but is not limited to, recognized asset and liability."
       }
      }
     },
     "auth_ref": [
      "r64",
      "r65",
      "r732"
     ]
    },
    "us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalAdjustedTransitionAmountsDetails",
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Banking Regulation, Regulatory Capital Requirement, Compliance [Table]",
        "label": "Banking Regulation, Regulatory Capital Requirement, Compliance [Table]",
        "documentation": "Disclosure of information about compliance with regulatory capital requirement. Includes, but is not limited to, required and actual ratios and amount of regulatory capital."
       }
      }
     },
     "auth_ref": [
      "r1599",
      "r1600"
     ]
    },
    "us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations",
        "label": "Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]",
        "documentation": "Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity."
       }
      }
     },
     "auth_ref": [
      "r922",
      "r926"
     ]
    },
    "us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Components of Provision for Income Tax Expense (Benefit)",
        "label": "Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1557"
     ]
    },
    "srt_ScheduleOfCondensedBalanceSheetTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "ScheduleOfCondensedBalanceSheetTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Parent only Condensed Balance Sheets",
        "label": "Condensed Balance Sheet [Table Text Block]",
        "documentation": "Tabular disclosure of condensed balance sheet, including, but not limited to, balance sheets of consolidated entities and consolidation eliminations."
       }
      }
     },
     "auth_ref": [
      "r1356",
      "r1381"
     ]
    },
    "srt_ScheduleOfCondensedCashFlowStatementTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "ScheduleOfCondensedCashFlowStatementTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Parent only Condensed Statements of Cash Flows",
        "label": "Condensed Cash Flow Statement [Table Text Block]",
        "documentation": "Tabular disclosure of condensed cash flow statement, including, but not limited to, cash flow statements of consolidated entities and consolidation eliminations."
       }
      }
     },
     "auth_ref": [
      "r1356",
      "r1381"
     ]
    },
    "srt_ScheduleOfCondensedFinancialStatementsTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "ScheduleOfCondensedFinancialStatementsTable",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Financial Statements [Table]",
        "label": "Condensed Financial Statements [Table]",
        "documentation": "Disclosure of information about condensed financial statements, including, but not limited to, the balance sheet, income statement, and statement of cash flows."
       }
      }
     },
     "auth_ref": [
      "r263",
      "r286",
      "r351",
      "r1342"
     ]
    },
    "srt_ScheduleOfCondensedIncomeStatementTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "ScheduleOfCondensedIncomeStatementTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Parent only Condensed Statements of Income",
        "label": "Condensed Income Statement [Table Text Block]",
        "documentation": "Tabular disclosure of condensed income statement, including, but not limited to, income statements of consolidated entities and consolidation eliminations."
       }
      }
     },
     "auth_ref": [
      "r1356",
      "r1381"
     ]
    },
    "us-gaap_ScheduleOfDebtInstrumentsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfDebtInstrumentsTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Long-term Borrowings",
        "label": "Schedule of Long-Term Debt Instruments [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r26",
      "r52",
      "r55",
      "r103",
      "r150",
      "r151",
      "r1163",
      "r1165",
      "r1381",
      "r1586"
     ]
    },
    "us-gaap_ScheduleOfDebtTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfDebtTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Secured Borrowings",
        "label": "Schedule of Debt [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Deferred Tax Assets and Liabilities",
        "label": "Schedule of Deferred Tax Assets and Liabilities [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1552"
     ]
    },
    "us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Impact of Derivatives on the Consolidated Statements of Income",
        "label": "Derivative Instruments, Gain (Loss) [Table Text Block]",
        "documentation": "Tabular disclosure of the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments."
       }
      }
     },
     "auth_ref": [
      "r87",
      "r89",
      "r752"
     ]
    },
    "us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Impact of Derivatives on the Consolidated Balance Sheet",
        "label": "Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r88"
     ]
    },
    "us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/EarningsPerCommonShareTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Earnings Per Share, Basic and Diluted",
        "label": "Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]",
        "documentation": "Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations."
       }
      }
     },
     "auth_ref": [
      "r1387"
     ]
    },
    "us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reconciliations of Statutory U.S. Federal Income Tax Rates to our Effective Tax Rate",
        "label": "Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r686",
      "r1179",
      "r1549"
     ]
    },
    "us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Valuation of Financial Instruments that are Marked-to-market on Recurring Basis",
        "label": "Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r1566",
      "r1567"
     ]
    },
    "us-gaap_ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Cumulative Basis Adjustments for Fair Value Hedges",
        "label": "Schedule of Fair Value Hedging Instruments, Statements of Financial Performance and Financial Position, Location [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r90"
     ]
    },
    "us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfFiniteLivedIntangibleAssetsTable",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Intangible Asset, Finite-Lived [Table]",
        "label": "Intangible Asset, Finite-Lived [Table]",
        "documentation": "Disclosure of information about finite-lived intangible asset. Excludes indefinite-lived intangible asset."
       }
      }
     },
     "auth_ref": [
      "r536",
      "r543",
      "r546",
      "r547",
      "r548",
      "r872",
      "r1130",
      "r1161"
     ]
    },
    "us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Acquired Intangible Assets",
        "label": "Schedule of Finite-Lived Intangible Assets [Table Text Block]",
        "documentation": "Tabular disclosure of assets, excluding financial assets and goodwill, lacking physical substance with a finite life, by either major class or business segment."
       }
      }
     },
     "auth_ref": [
      "r1161",
      "r1436"
     ]
    },
    "us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfMaturitiesOfLongTermDebtTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Maturities of Long-term Debt",
        "label": "Schedule of Maturities of Long-Term Debt [Table Text Block]",
        "documentation": "Tabular disclosure of maturity and sinking fund requirement for long-term debt."
       }
      }
     },
     "auth_ref": [
      "r10"
     ]
    },
    "us-gaap_ScheduleOfNonvestedShareActivityTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfNonvestedShareActivityTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Restricted Stock Activity",
        "label": "Schedule of Nonvested Share Activity [Table Text Block]",
        "documentation": "Tabular disclosure of the changes in outstanding nonvested shares."
       }
      }
     },
     "auth_ref": [
      "r159"
     ]
    },
    "us-gaap_ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Notional Amounts of Outstanding Derivative Positions",
        "label": "Schedule of Notional Amounts of Outstanding Derivative Positions [Table Text Block]",
        "documentation": "Tabular disclosure of the notional amounts of outstanding derivative positions."
       }
      }
     },
     "auth_ref": [
      "r81"
     ]
    },
    "us-gaap_ScheduleOfPropertyPlantAndEquipmentTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfPropertyPlantAndEquipmentTable",
     "presentation": [
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Property, Plant and Equipment [Table]",
        "label": "Property, Plant and Equipment [Table]",
        "documentation": "Disclosure of information about 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."
       }
      }
     },
     "auth_ref": [
      "r9",
      "r827"
     ]
    },
    "us-gaap_ScheduleOfSecuritiesFinancingTransactionsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfSecuritiesFinancingTransactionsTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Securities Financing Transactions",
        "label": "Schedule of Securities Financing Transactions [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r178",
      "r314"
     ]
    },
    "us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfSegmentReportingInformationBySegmentTable",
     "presentation": [
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Segment Reporting Information, by Segment [Table]",
        "label": "Schedule of Segment Reporting Information, by Segment [Table]",
        "documentation": "Disclosure of information about profit (loss) and total assets by reportable segment."
       }
      }
     },
     "auth_ref": [
      "r40",
      "r41",
      "r42"
     ]
    },
    "us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfSegmentReportingInformationBySegmentTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SegmentReportingTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Segment Reporting Information, by Segment",
        "label": "Schedule of Segment Reporting Information, by Segment [Table Text Block]",
        "documentation": "Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss."
       }
      }
     },
     "auth_ref": [
      "r40",
      "r41",
      "r42"
     ]
    },
    "slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Restricted Stock Unit and Performance Stock Unit Activity",
        "label": "Schedule Of Share Based Compensation Arrangement By Share Based Payment Award Restricted Stock Units And Performance Stock Units Vested And Expected To Vest Table [Table Text Block]",
        "documentation": "Schedule Of Share Based Compensation Arrangement By Share Based Payment Award Restricted Stock Units And Performance Stock Units Vested And Expected To Vest [Table Text Block]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]",
        "label": "Schedule of Share-Based Compensation Arrangements by Share-Based Payment Award [Table]",
        "documentation": "Disclosure of information about share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r644",
      "r646",
      "r649",
      "r650",
      "r651",
      "r652",
      "r653",
      "r654",
      "r655",
      "r656",
      "r657",
      "r658",
      "r659",
      "r660",
      "r661",
      "r662",
      "r663",
      "r664",
      "r665",
      "r666",
      "r667",
      "r668",
      "r669",
      "r670",
      "r671",
      "r672",
      "r673",
      "r674"
     ]
    },
    "us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Stock Option Activity",
        "label": "Share-Based Payment Arrangement, Option, Activity [Table Text Block]",
        "documentation": "Tabular disclosure for stock option plans. Includes, but is not limited to, outstanding awards at beginning and end of year, grants, exercises, forfeitures, and weighted-average grant date fair value."
       }
      }
     },
     "auth_ref": [
      "r16",
      "r17",
      "r158"
     ]
    },
    "us-gaap_ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Black-Scholes Model Assumptions for Calculating ESPP Fair Values",
        "label": "Schedule of Share-Based Payment Award, Employee Stock Purchase Plan, Valuation Assumptions [Table Text Block]",
        "documentation": "Tabular disclosure of the significant assumptions used during the year to estimate the fair value of employee stock purchase plans, including, but not limited to: (a) expected term, (b) expected volatility of the entity's shares, (c) expected dividends, (d) risk-free rate(s), and (e) discount for post-vesting restrictions."
       }
      }
     },
     "auth_ref": [
      "r162"
     ]
    },
    "us-gaap_ScheduleOfShortTermDebtTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfShortTermDebtTable",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Short-term Debt [Table]",
        "label": "Short-Term Debt [Table]",
        "documentation": "Disclosure of information about short-term debt arrangement. Includes, but is not limited to, description of arrangement, lender, repayment term, weighted-average interest rate, borrowed amount, and description and amount of refinancing of short-term obligation when obligation is excluded from current liability."
       }
      }
     },
     "auth_ref": [
      "r107"
     ]
    },
    "us-gaap_ScheduleOfStockByClassTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfStockByClassTable",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityCommonStockDetails",
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails",
      "http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock, Class of Stock [Table]",
        "label": "Stock, Class of Stock [Table]",
        "documentation": "Disclosure of information about stock by class. Includes, but is not limited to, common, convertible, and preferred stocks."
       }
      }
     },
     "auth_ref": [
      "r50",
      "r51",
      "r52",
      "r53",
      "r54",
      "r55",
      "r148",
      "r150",
      "r151",
      "r152",
      "r306",
      "r307",
      "r308",
      "r394",
      "r610",
      "r611",
      "r612",
      "r614",
      "r617",
      "r622",
      "r624",
      "r989",
      "r990",
      "r991",
      "r992",
      "r1167",
      "r1340",
      "r1375"
     ]
    },
    "us-gaap_ScheduleOfTreasuryStockByClassTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfTreasuryStockByClassTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Common Share Repurchases",
        "label": "Class of Treasury Stock [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r56",
      "r57",
      "r58",
      "r59"
     ]
    },
    "us-gaap_ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Changes in Unrecognized Tax Benefits",
        "label": "Schedule of Unrecognized Tax Benefits Roll Forward [Table Text Block]",
        "documentation": "Tabular disclosure of the change in unrecognized tax benefits."
       }
      }
     },
     "auth_ref": [
      "r693",
      "r1178"
     ]
    },
    "us-gaap_ScheduleOfVariableInterestEntitiesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ScheduleOfVariableInterestEntitiesTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Variable Interest Entities",
        "label": "Schedule of Variable Interest Entities [Table Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r72",
      "r73",
      "r74",
      "r75",
      "r76"
     ]
    },
    "slm_ScheduleofDepositsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ScheduleofDepositsTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/DepositsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Deposits",
        "label": "Schedule of Deposits [Table Text Block]",
        "documentation": "Schedule of Deposits [Table Text Block]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ScheduleofMaturitiesofTimeDepositsTableTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/DepositsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Maturities of Time Deposits",
        "label": "Schedule of Maturities of Time Deposits [Table Text Block]",
        "documentation": "Schedule of Maturities of Time Deposits [Table Text Block]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SchollyIncMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SchollyIncMember",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesBusinessCombinationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Scholly, Inc.",
        "label": "Scholly, Inc. [Member]",
        "documentation": "Scholly, Inc."
       }
      }
     },
     "auth_ref": []
    },
    "slm_SchoolFICORefreshedAmountsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SchoolFICORefreshedAmountsMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FICO Refreshed",
        "label": "School FICO, Refreshed Amounts [Member]",
        "documentation": "School FICO, Refreshed Amounts [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SchoolFicoMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SchoolFicoMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FICO at Origination",
        "label": "School Fico [Member]",
        "documentation": "School type fico credit quality indicators that are developed and used internally by the company."
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "slm_PrivateEducationLoansGrossPercentage",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Seasoning based on monthly scheduled payments due from more than 48 payments",
        "label": "Seasoning Based On Monthly Scheduled Payments Due From More Than Forty Eight Payments In Percent",
        "documentation": "Seasoning based on monthly scheduled payments due from more than forty eight payments in percent"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "More than 48 payments",
        "label": "Seasoning Based On Monthly Scheduled Payments Due From More Than Forty Eight Payments [Member]",
        "documentation": "Seasoning Based On Monthly Scheduled Payments Due From More Than Forty Eight Payments [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "slm_PrivateEducationLoansGrossPercentage",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Seasoning based on monthly scheduled payments due from not yet in repayment",
        "label": "Seasoning Based On Monthly Scheduled Payments Due From Not Yet In Repayment In Percent",
        "documentation": "Seasoning based on monthly scheduled payments due from not yet in repayment in percent"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Not yet in repayment",
        "label": "Seasoning Based On Monthly Scheduled Payments Due From Not Yet In Repayment [Member]",
        "documentation": "Seasoning Based On Monthly Scheduled Payments Due From Not Yet In Repayment [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "slm_PrivateEducationLoansGrossPercentage",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Seasoning based on monthly scheduled payments due from 1-12 payments",
        "label": "Seasoning Based On Monthly Scheduled Payments Due From One To Twelve Payments In Percent",
        "documentation": "Seasoning based on monthly scheduled payments due from one to twelve payments in percent."
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "1-12 payments",
        "label": "Seasoning Based On Monthly Scheduled Payments Due From One To Twelve Payments [Member]",
        "documentation": "Seasoning Based On Monthly Scheduled Payments Due From One To Twelve Payments [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "slm_PrivateEducationLoansGrossPercentage",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Seasoning based on monthly scheduled payments due from 13 - 24 payments",
        "label": "Seasoning Based On Monthly Scheduled Payments Due From Thirteen To Twenty Four Payments In Percent",
        "documentation": "Seasoning based on monthly scheduled payments due from thirteen to twenty four payments in percent."
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "13-24 payments",
        "label": "Seasoning Based On Monthly Scheduled Payments Due From Thirteen To Twenty Four Payments [Member]",
        "documentation": "Seasoning Based On Monthly Scheduled Payments Due From Thirteen To Twenty Four Payments [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "slm_PrivateEducationLoansGrossPercentage",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Seasoning based on monthly scheduled payments due from 37 - 48 payments",
        "label": "Seasoning Based On Monthly Scheduled Payments Due From Thirty Seven To Forty Eight Payments In Percent",
        "documentation": "Seasoning based on monthly scheduled payments due from thirty seven to forty eight payments in percent."
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "37-48 payments",
        "label": "Seasoning Based On Monthly Scheduled Payments Due From Thirty Seven To Forty Eight Payments [Member]",
        "documentation": "Seasoning Based On Monthly Scheduled Payments Due From Thirty Seven To Forty Eight Payments [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent",
     "calculation": {
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails": {
       "parentTag": "slm_PrivateEducationLoansGrossPercentage",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Seasoning based on monthly scheduled payments due from 25 - 36 payments",
        "label": "Seasoning Based On Monthly Scheduled Payments Due From Twenty Five To Thirty Six Payments In Percent",
        "documentation": "Seasoning based on monthly scheduled payments due from thirteen to twenty four payments in percent"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "25-36 payments",
        "label": "Seasoning Based On Monthly Scheduled Payments Due From Twenty Five To Thirty Six Payments [Member]",
        "documentation": "Seasoning Based On Monthly Scheduled Payments Due From Twenty Five To Thirty Six Payments [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SecuredBorrowingsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SecuredBorrowingsMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Secured Borrowings",
        "label": "Secured Borrowings [Member]",
        "documentation": "Secured Borrowings [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SecuredDebtMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SecuredDebtMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Secured borrowings",
        "label": "Secured Debt [Member]",
        "documentation": "Collateralized debt obligation backed by, for example, but not limited to, pledge, mortgage or other lien on the entity's assets."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SecuredOvernightFinancingRateSofrMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SecuredOvernightFinancingRateSofrMember",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Secured Overnight Financing Rate (SOFR)",
        "label": "Secured Overnight Financing Rate (SOFR) [Member]",
        "documentation": "Interest rate at which bank can borrow U.S. dollar overnight while posting U.S. Treasury bond as collateral."
       }
      }
     },
     "auth_ref": [
      "r1563"
     ]
    },
    "us-gaap_SecuritiesOwnedNotReadilyMarketablePolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SecuritiesOwnedNotReadilyMarketablePolicy",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Investments",
        "label": "Securities Owned Not Readily Marketable, Policy [Policy Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r909"
     ]
    },
    "dei_Security12bTitle": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "Security12bTitle",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Title of 12(b) Security",
        "label": "Title of 12(b) Security",
        "documentation": "Title of a 12(b) registered security."
       }
      }
     },
     "auth_ref": [
      "r1227"
     ]
    },
    "dei_SecurityExchangeName": {
     "xbrltype": "edgarExchangeCodeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "SecurityExchangeName",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Security Exchange Name",
        "label": "Security Exchange Name",
        "documentation": "Name of the Exchange on which a security is registered."
       }
      }
     },
     "auth_ref": [
      "r1230"
     ]
    },
    "us-gaap_SegmentDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SegmentDomain",
     "presentation": [
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Segments [Domain]",
        "label": "Segments [Domain]",
        "documentation": "Components of an entity that engage in business activities from which they may earn revenue and incur expenses, including transactions with other components of the same entity."
       }
      }
     },
     "auth_ref": [
      "r208",
      "r209",
      "r210",
      "r211",
      "r392",
      "r397",
      "r400",
      "r401",
      "r402",
      "r403",
      "r404",
      "r405",
      "r406",
      "r407",
      "r408",
      "r409",
      "r411",
      "r412",
      "r414",
      "r415",
      "r416",
      "r417",
      "r418",
      "r419",
      "r420",
      "r421",
      "r423",
      "r424",
      "r425",
      "r430",
      "r527",
      "r528",
      "r529",
      "r530",
      "r531",
      "r532",
      "r533",
      "r534",
      "r535",
      "r548",
      "r561",
      "r562",
      "r954",
      "r955",
      "r956",
      "r957",
      "r958",
      "r959",
      "r960",
      "r961",
      "r962",
      "r963",
      "r964",
      "r1143",
      "r1146",
      "r1147",
      "r1160",
      "r1208",
      "r1606",
      "r1608",
      "r1609",
      "r1610",
      "r1611",
      "r1612",
      "r1613",
      "r1614",
      "r1615",
      "r1616",
      "r1617",
      "r1618",
      "r1619",
      "r1620",
      "r1621",
      "r1622",
      "r1623",
      "r1624",
      "r1625",
      "r1626",
      "r1627",
      "r1628",
      "r1629",
      "r1630",
      "r1631",
      "r1632",
      "r1633",
      "r1635",
      "r1636"
     ]
    },
    "srt_SegmentGeographicalDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "SegmentGeographicalDomain",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Geographical [Domain]",
        "label": "Geographical [Domain]",
        "documentation": "Geographical area."
       }
      }
     },
     "auth_ref": [
      "r265",
      "r267",
      "r270",
      "r272",
      "r273",
      "r274",
      "r275",
      "r276",
      "r278",
      "r279",
      "r280",
      "r281",
      "r282",
      "r283",
      "r428",
      "r429",
      "r877",
      "r878",
      "r879",
      "r880",
      "r881",
      "r882",
      "r883",
      "r884",
      "r885",
      "r886",
      "r887",
      "r888",
      "r889",
      "r890",
      "r891",
      "r892",
      "r893",
      "r894",
      "r895",
      "r896",
      "r897",
      "r898",
      "r899",
      "r900",
      "r901",
      "r902",
      "r903",
      "r904",
      "r905",
      "r906",
      "r1011",
      "r1015",
      "r1017",
      "r1077",
      "r1082",
      "r1087",
      "r1101",
      "r1114",
      "r1118",
      "r1119",
      "r1120",
      "r1121",
      "r1123",
      "r1124",
      "r1125",
      "r1126",
      "r1127",
      "r1132",
      "r1168",
      "r1198",
      "r1199",
      "r1200",
      "r1201",
      "r1202",
      "r1203",
      "r1204",
      "r1205",
      "r1207",
      "r1213",
      "r1460",
      "r1606",
      "r1608",
      "r1609",
      "r1611",
      "r1612",
      "r1613",
      "r1614",
      "r1615",
      "r1616",
      "r1617",
      "r1618",
      "r1619",
      "r1620",
      "r1621",
      "r1622",
      "r1623",
      "r1624",
      "r1625",
      "r1626",
      "r1627",
      "r1628",
      "r1629",
      "r1630",
      "r1631",
      "r1632",
      "r1633",
      "r1635",
      "r1636"
     ]
    },
    "us-gaap_SegmentReportingAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SegmentReportingAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Segment Reporting [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SegmentReportingDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SegmentReportingDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SegmentReporting"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Segment Reporting",
        "label": "Segment Reporting Disclosure [Text Block]",
        "documentation": "The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments."
       }
      }
     },
     "auth_ref": [
      "r211",
      "r392",
      "r396",
      "r397",
      "r398",
      "r399",
      "r400",
      "r413",
      "r415",
      "r416",
      "r421",
      "r422",
      "r423",
      "r424",
      "r425",
      "r426",
      "r427",
      "r430",
      "r1142",
      "r1144",
      "r1145",
      "r1146",
      "r1148",
      "r1149",
      "r1150"
     ]
    },
    "us-gaap_SegmentReportingInformationLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SegmentReportingInformationLineItems",
     "presentation": [
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Segment Reporting Information [Line Items]",
        "label": "Segment Reporting Information [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeniorUnsecuredNotesDueFebruaryXX2028MemberMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeniorUnsecuredNotesDueFebruaryXX2028MemberMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Senior Unsecured Notes Due February XX 2028 Member",
        "label": "Senior Unsecured Notes Due February XX 2028 Member [Member]",
        "documentation": "Senior Unsecured Notes Due February XX 2028 Member"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeniorUnsecuredNotesDueNovember22026Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeniorUnsecuredNotesDueNovember22026Member",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Senior Unsecured Notes Due November 2, 2026",
        "label": "Senior Unsecured Notes Due November 2, 2026 [Member]",
        "documentation": "Senior Unsecured Notes Due November 2, 2026"
       }
      }
     },
     "auth_ref": []
    },
    "slm_SeniorUnsecuredNotesDueOctober292025Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "SeniorUnsecuredNotesDueOctober292025Member",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Senior Unsecured Notes Due October 29, 2025",
        "label": "Senior Unsecured Notes Due October 29, 2025 [Member]",
        "documentation": "Senior Unsecured Notes Due October 29, 2025"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SeriesBPreferredStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SeriesBPreferredStockMember",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Series B Preferred Stock",
        "label": "Series B Preferred Stock [Member]",
        "documentation": "Series B preferred stock."
       }
      }
     },
     "auth_ref": [
      "r1363",
      "r1364",
      "r1458"
     ]
    },
    "us-gaap_ShareBasedCompensation": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensation",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 19.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Stock-based compensation expense",
        "terseLabel": "Stock-based compensation cost",
        "label": "Share-Based Payment Arrangement, Noncash Expense",
        "documentation": "Amount of noncash expense for share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Vesting period",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Award Requisite Service Period",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1175"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Vesting period",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r1175"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percentage of discount available to employees under ESPP",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Discount from Market Price, Offering Date",
        "documentation": "Discount rate from fair value on offering date that participants pay for shares."
       }
      }
     },
     "auth_ref": [
      "r60"
     ]
    },
    "slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Canceled (in dollars per share)",
        "label": "Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Canceled Forfeited In Period Weighted Average Grant Date Fair Value",
        "documentation": "Share based compensation arrangement by share based payment award equity instruments other than options canceled forfeited in period weighted average grant date fair value."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Canceled (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeited in Period",
        "documentation": "The number of equity-based payment instruments, excluding stock (or unit) options, that were forfeited during the reporting period."
       }
      }
     },
     "auth_ref": [
      "r665"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Granted (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r663"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Granted (in dollars per share)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r663"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Beginning balance (in shares)",
        "periodEndLabel": "Ending balance (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r660",
      "r661"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number\u00a0of Shares",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Beginning balance (in dollars per share)",
        "periodEndLabel": "Ending balance (in dollars per share)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value",
        "documentation": "Per share or unit weighted-average fair value of nonvested award under share-based payment arrangement. Excludes share and unit options."
       }
      }
     },
     "auth_ref": [
      "r660",
      "r661"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average\u00a0Grant Date Fair Value",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Vested (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period",
        "documentation": "The number of equity-based payment instruments, excluding stock (or unit) options, that vested during the reporting period."
       }
      }
     },
     "auth_ref": [
      "r664"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair value of shares vested",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Fair Value",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r667"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Vested (in dollars per share)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r664"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Expected dividend rate",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Dividend Rate",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r672"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Expected volatility",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Volatility Rate",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r671"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Risk-free interest rate",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Risk Free Interest Rate",
        "documentation": "The risk-free interest rate assumption that is used in valuing an option on its own shares."
       }
      }
     },
     "auth_ref": [
      "r673"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Share-based Compensation Arrangement by Share-based Payment Award [Line Items]",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r644",
      "r646",
      "r649",
      "r650",
      "r651",
      "r652",
      "r653",
      "r654",
      "r655",
      "r656",
      "r657",
      "r658",
      "r659",
      "r660",
      "r661",
      "r662",
      "r663",
      "r664",
      "r665",
      "r666",
      "r667",
      "r668",
      "r669",
      "r670",
      "r671",
      "r672",
      "r673",
      "r674"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Shares authorized to be issued under plan (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Authorized",
        "documentation": "Number of shares authorized for issuance under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r1177"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate Intrinsic Value",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Additional Disclosures [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Exercisable (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Number",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r654"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Exercisable (in dollars per share)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Exercise Price",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r654"
     ]
    },
    "slm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Options granted, exercise price multiplier",
        "label": "Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercise Price, Multiplier, Percent",
        "documentation": "Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercise Price, Multiplier, Percent"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Total intrinsic value of options exercised",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period, Intrinsic Value",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r667"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Canceled (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Forfeitures in Period",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r658"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Granted (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Net of Forfeitures",
        "documentation": "Net number of share options (or share units) granted during the period."
       }
      }
     },
     "auth_ref": [
      "r1529"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Options granted in period (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Gross",
        "documentation": "Gross number of share options (or share units) granted during the period."
       }
      }
     },
     "auth_ref": [
      "r656"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Weighted average fair value of stock purchase rights (in dollars per share)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value",
        "documentation": "The weighted average grant-date fair value of options granted during the reporting period as calculated by applying the disclosed option pricing methodology."
       }
      }
     },
     "auth_ref": [
      "r666"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate Intrinsic Value, Outstanding, ending balance",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Intrinsic Value",
        "documentation": "Amount by which the current fair value of the underlying stock exceeds the exercise price of options outstanding."
       }
      }
     },
     "auth_ref": [
      "r60"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Beginning balance (in shares)",
        "periodEndLabel": "Ending balance (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number",
        "documentation": "Number of options outstanding, including both vested and non-vested options."
       }
      }
     },
     "auth_ref": [
      "r652",
      "r653"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of Options",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Beginning balance (in dollars per share)",
        "periodEndLabel": "Ending balance (in dollars per share)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price",
        "documentation": "Weighted average price at which grantees can acquire the shares reserved for issuance under the stock option plan."
       }
      }
     },
     "auth_ref": [
      "r652",
      "r653"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average Exercise Price\u00a0per Share",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Company's common stock purchased by ESPP participants (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Shares Purchased for Award",
        "documentation": "Number of shares purchased for issuance under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r1548"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails",
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsRestrictedStockandPerformanceStockUnitActivityDetails",
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Type [Domain]",
        "label": "Award Type [Domain]",
        "documentation": "Award under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r649",
      "r650",
      "r651",
      "r652",
      "r653",
      "r654",
      "r655",
      "r656",
      "r657",
      "r658",
      "r659",
      "r660",
      "r661",
      "r662",
      "r663",
      "r664",
      "r665",
      "r666",
      "r667",
      "r668",
      "r669",
      "r670",
      "r671",
      "r672",
      "r673",
      "r674"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Exercised (in dollars per share)",
        "label": "Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price",
        "documentation": "Weighted average price at which option holders acquired shares when converting their stock options into shares."
       }
      }
     },
     "auth_ref": [
      "r657"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Canceled (in dollars per share)",
        "label": "Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Forfeitures in Period, Weighted Average Exercise Price",
        "documentation": "Weighted average price at which grantees could have acquired the underlying shares with respect to stock options that were terminated."
       }
      }
     },
     "auth_ref": [
      "r658"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Granted (in dollars per share)",
        "label": "Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Grants in Period, Weighted Average Exercise Price",
        "documentation": "Weighted average per share amount at which grantees can acquire shares of common stock by exercise of options."
       }
      }
     },
     "auth_ref": [
      "r656"
     ]
    },
    "us-gaap_SharePrice": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SharePrice",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Share price (in dollars per share)",
        "label": "Share Price",
        "documentation": "Price of a single share of a number of saleable stocks of a company."
       }
      }
     },
     "auth_ref": []
    },
    "srt_ShareRepurchaseProgramAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "ShareRepurchaseProgramAxis",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Share Repurchase Program [Axis]",
        "label": "Share Repurchase Program [Axis]",
        "documentation": "Information by share repurchase program."
       }
      }
     },
     "auth_ref": [
      "r1459"
     ]
    },
    "srt_ShareRepurchaseProgramDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "ShareRepurchaseProgramDomain",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Share Repurchase Program [Domain]",
        "label": "Share Repurchase Program [Domain]",
        "documentation": "Name of share repurchase program."
       }
      }
     },
     "auth_ref": [
      "r1459"
     ]
    },
    "us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Vesting percentage",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Rights, Percentage",
        "documentation": "Percentage of vesting of award under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r1522"
     ]
    },
    "us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Expiration period",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Expiration Period",
        "documentation": "Period from grant date that an equity-based award expires, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": [
      "r1176"
     ]
    },
    "us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsEmployeeStockPurchasePlanDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Expected life of the option",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Term",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r670"
     ]
    },
    "us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate Intrinsic Value, Exercisable, ending balance",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Intrinsic Value",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r60"
     ]
    },
    "us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average Remaining Contractual Term, Exercisable, ending balance",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r60"
     ]
    },
    "us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedWeightedAverageGrantDateFairValueAbstract",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average Remaining Contractual Term",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average Remaining Contractual Term, Outstanding, ending balance",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r161"
     ]
    },
    "us-gaap_SharesIssued": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SharesIssued",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Beginning balance, shares issued (in shares)",
        "periodEndLabel": "Ending balance, shares issued (in shares)",
        "label": "Shares, Issued",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r14"
     ]
    },
    "us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SharesPaidForTaxWithholdingForShareBasedCompensation",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Shares repurchased related to employee stock-based compensation plans (in shares)",
        "terseLabel": "Shares repurchased related to employee stock-based compensation plans (in shares)",
        "label": "Share-Based Payment Arrangement, Shares Withheld for Tax Withholding Obligation",
        "documentation": "Number of shares used to settle grantee's tax withholding obligation for award under share-based payment arrangement."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ShortTermBorrowings": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShortTermBorrowings",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails": {
       "parentTag": "us-gaap_DebtLongtermAndShorttermCombinedAmount",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Short-Term",
        "label": "Short-Term Debt",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r105",
      "r183",
      "r1196",
      "r1602"
     ]
    },
    "us-gaap_ShortTermDebtLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShortTermDebtLineItems",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Short-term Debt [Line Items]",
        "label": "Short-Term Debt [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ShortTermDebtTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShortTermDebtTypeAxis",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Short-Term Debt, Type [Axis]",
        "label": "Short-Term Debt, Type [Axis]",
        "documentation": "Information by type of short-term debt arrangement."
       }
      }
     },
     "auth_ref": [
      "r107",
      "r1444",
      "r1445",
      "r1446"
     ]
    },
    "us-gaap_ShortTermDebtTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ShortTermDebtTypeDomain",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsShorttermBorrowingsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Short-Term Debt, Type [Domain]",
        "label": "Short-Term Debt, Type [Domain]",
        "documentation": "Type of short-term debt arrangement, such as notes, line of credit, commercial paper, asset-based financing, project financing, letter of credit financing."
       }
      }
     },
     "auth_ref": [
      "r105",
      "r1444",
      "r1445",
      "r1446"
     ]
    },
    "us-gaap_SignificantAccountingPoliciesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SignificantAccountingPoliciesTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Significant Accounting Policies",
        "label": "Significant Accounting Policies [Text Block]",
        "documentation": "The entire disclosure for all significant accounting policies of the reporting entity."
       }
      }
     },
     "auth_ref": [
      "r142",
      "r345"
     ]
    },
    "us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleLineItems",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Line Items]",
        "label": "Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r236"
     ]
    },
    "us-gaap_SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SignificantChangeInUnrecognizedTaxBenefitsIsReasonablyPossibleTable",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in Unrecognized Tax Benefit, Reasonably Possible [Table]",
        "label": "Change in Unrecognized Tax Benefit, Reasonably Possible [Table]",
        "documentation": "Disclosure of information about unrecognized tax benefit for which significant change is reasonably possible within 12 months. Includes, but is not limited to, nature of uncertainty, nature of event that could cause significant change within 12 months, and estimate of range of reasonably possible change or statement of fact that estimate of range cannot be made."
       }
      }
     },
     "auth_ref": [
      "r236"
     ]
    },
    "us-gaap_SoftwareAndSoftwareDevelopmentCostsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SoftwareAndSoftwareDevelopmentCostsMember",
     "presentation": [
      "http://www.salliemae.com/role/PremisesandEquipmentNetScheduleofPremisesandEquipmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Software",
        "label": "Software and Software Development Costs [Member]",
        "documentation": "Purchased software applications and internally developed software for sale, licensing or long-term internal use."
       }
      }
     },
     "auth_ref": []
    },
    "slm_StableInterestbearingDepositsTotal": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "StableInterestbearingDepositsTotal",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stable interest-bearing deposits, total",
        "label": "Stable Interest-bearing Deposits, Total",
        "documentation": "Stable Interest-bearing Deposits, Total"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StatementBusinessSegmentsAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StatementBusinessSegmentsAxis",
     "presentation": [
      "http://www.salliemae.com/role/SegmentReportingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Segments [Axis]",
        "label": "Segments [Axis]",
        "documentation": "Information by business segments."
       }
      }
     },
     "auth_ref": [
      "r208",
      "r209",
      "r210",
      "r211",
      "r296",
      "r392",
      "r397",
      "r400",
      "r401",
      "r402",
      "r403",
      "r404",
      "r405",
      "r406",
      "r407",
      "r408",
      "r409",
      "r411",
      "r412",
      "r414",
      "r415",
      "r416",
      "r417",
      "r418",
      "r419",
      "r420",
      "r421",
      "r423",
      "r424",
      "r425",
      "r430",
      "r527",
      "r528",
      "r529",
      "r530",
      "r531",
      "r532",
      "r533",
      "r534",
      "r535",
      "r548",
      "r552",
      "r561",
      "r562",
      "r954",
      "r955",
      "r956",
      "r957",
      "r958",
      "r959",
      "r960",
      "r961",
      "r962",
      "r963",
      "r964",
      "r1143",
      "r1146",
      "r1147",
      "r1160",
      "r1208",
      "r1606",
      "r1608",
      "r1609",
      "r1610",
      "r1611",
      "r1612",
      "r1613",
      "r1614",
      "r1615",
      "r1616",
      "r1617",
      "r1618",
      "r1619",
      "r1620",
      "r1621",
      "r1622",
      "r1623",
      "r1624",
      "r1625",
      "r1626",
      "r1627",
      "r1628",
      "r1629",
      "r1630",
      "r1631",
      "r1632",
      "r1633",
      "r1635",
      "r1636"
     ]
    },
    "us-gaap_StatementClassOfStockAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StatementClassOfStockAxis",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical",
      "http://www.salliemae.com/role/CoverPage",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails",
      "http://www.salliemae.com/role/StockholdersEquityCommonStockDetails",
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Class of Stock [Axis]",
        "label": "Class of Stock [Axis]",
        "documentation": "Information by the different classes of stock of the entity."
       }
      }
     },
     "auth_ref": [
      "r252",
      "r306",
      "r307",
      "r308",
      "r348",
      "r374",
      "r378",
      "r385",
      "r387",
      "r394",
      "r395",
      "r474",
      "r572",
      "r574",
      "r575",
      "r576",
      "r579",
      "r580",
      "r610",
      "r611",
      "r614",
      "r617",
      "r624",
      "r810",
      "r989",
      "r990",
      "r991",
      "r992",
      "r997",
      "r998",
      "r999",
      "r1000",
      "r1001",
      "r1002",
      "r1003",
      "r1004",
      "r1005",
      "r1006",
      "r1007",
      "r1008",
      "r1030",
      "r1051",
      "r1069",
      "r1106",
      "r1107",
      "r1108",
      "r1109",
      "r1110",
      "r1340",
      "r1375",
      "r1386"
     ]
    },
    "us-gaap_StatementEquityComponentsAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StatementEquityComponentsAxis",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsImpactofDerivativesonConsolidatedStatementsofIncomeDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Components [Axis]",
        "label": "Equity Components [Axis]",
        "documentation": "Information by component of equity."
       }
      }
     },
     "auth_ref": [
      "r14",
      "r119",
      "r123",
      "r124",
      "r292",
      "r329",
      "r330",
      "r331",
      "r352",
      "r353",
      "r354",
      "r357",
      "r364",
      "r366",
      "r368",
      "r393",
      "r479",
      "r485",
      "r550",
      "r625",
      "r707",
      "r708",
      "r726",
      "r727",
      "r728",
      "r731",
      "r739",
      "r740",
      "r760",
      "r762",
      "r763",
      "r764",
      "r765",
      "r767",
      "r778",
      "r811",
      "r813",
      "r814",
      "r815",
      "r816",
      "r817",
      "r824",
      "r826",
      "r833",
      "r948",
      "r971",
      "r972",
      "r973",
      "r997",
      "r1069"
     ]
    },
    "srt_StatementGeographicalAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "StatementGeographicalAxis",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Geographical [Axis]",
        "label": "Geographical [Axis]",
        "documentation": "Information by geographical components."
       }
      }
     },
     "auth_ref": [
      "r265",
      "r267",
      "r270",
      "r272",
      "r273",
      "r274",
      "r275",
      "r276",
      "r278",
      "r279",
      "r280",
      "r281",
      "r282",
      "r283",
      "r428",
      "r429",
      "r877",
      "r878",
      "r879",
      "r880",
      "r881",
      "r882",
      "r883",
      "r884",
      "r885",
      "r886",
      "r887",
      "r888",
      "r889",
      "r890",
      "r891",
      "r892",
      "r893",
      "r894",
      "r895",
      "r896",
      "r897",
      "r898",
      "r899",
      "r900",
      "r901",
      "r902",
      "r903",
      "r904",
      "r905",
      "r906",
      "r1011",
      "r1015",
      "r1017",
      "r1077",
      "r1082",
      "r1087",
      "r1101",
      "r1114",
      "r1118",
      "r1119",
      "r1120",
      "r1121",
      "r1123",
      "r1124",
      "r1125",
      "r1126",
      "r1127",
      "r1132",
      "r1168",
      "r1198",
      "r1199",
      "r1200",
      "r1201",
      "r1202",
      "r1203",
      "r1204",
      "r1205",
      "r1207",
      "r1213",
      "r1460",
      "r1606",
      "r1608",
      "r1609",
      "r1611",
      "r1612",
      "r1613",
      "r1614",
      "r1615",
      "r1616",
      "r1617",
      "r1618",
      "r1619",
      "r1620",
      "r1621",
      "r1622",
      "r1623",
      "r1624",
      "r1625",
      "r1626",
      "r1627",
      "r1628",
      "r1629",
      "r1630",
      "r1631",
      "r1632",
      "r1633",
      "r1635",
      "r1636"
     ]
    },
    "us-gaap_StatementLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StatementLineItems",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement [Line Items]",
        "label": "Statement [Line Items]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r352",
      "r353",
      "r354",
      "r393",
      "r826",
      "r871",
      "r984",
      "r1008",
      "r1022",
      "r1023",
      "r1024",
      "r1025",
      "r1026",
      "r1027",
      "r1030",
      "r1033",
      "r1034",
      "r1035",
      "r1036",
      "r1037",
      "r1038",
      "r1039",
      "r1040",
      "r1041",
      "r1043",
      "r1044",
      "r1045",
      "r1046",
      "r1047",
      "r1049",
      "r1052",
      "r1053",
      "r1055",
      "r1056",
      "r1057",
      "r1058",
      "r1059",
      "r1060",
      "r1061",
      "r1062",
      "r1063",
      "r1064",
      "r1065",
      "r1066",
      "r1069",
      "r1214"
     ]
    },
    "us-gaap_StatementOfCashFlowsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StatementOfCashFlowsAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement of Cash Flows [Abstract]",
        "label": "Statement of Cash Flows [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StatementOfFinancialPositionAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StatementOfFinancialPositionAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement of Financial Position [Abstract]",
        "label": "Statement of Financial Position [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StatementOfIncomeAndComprehensiveIncomeAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement of Comprehensive Income [Abstract]",
        "label": "Statement of Comprehensive Income [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StatementOfStockholdersEquityAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StatementOfStockholdersEquityAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement of Stockholders' Equity [Abstract]",
        "label": "Statement of Stockholders' Equity [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StatementTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StatementTable",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement [Table]",
        "label": "Statement [Table]",
        "documentation": "Disclosure of information about statement of comprehensive income, income, other comprehensive income, financial position, cash flows, and shareholders' equity."
       }
      }
     },
     "auth_ref": [
      "r352",
      "r353",
      "r354",
      "r393",
      "r433",
      "r826",
      "r871",
      "r984",
      "r1008",
      "r1022",
      "r1023",
      "r1024",
      "r1025",
      "r1026",
      "r1027",
      "r1030",
      "r1033",
      "r1034",
      "r1035",
      "r1036",
      "r1037",
      "r1038",
      "r1039",
      "r1040",
      "r1041",
      "r1043",
      "r1044",
      "r1045",
      "r1046",
      "r1047",
      "r1049",
      "r1052",
      "r1053",
      "r1055",
      "r1056",
      "r1057",
      "r1058",
      "r1059",
      "r1060",
      "r1061",
      "r1062",
      "r1063",
      "r1064",
      "r1065",
      "r1066",
      "r1069",
      "r1214"
     ]
    },
    "ecd_StkPrcOrTsrEstimationMethodTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "StkPrcOrTsrEstimationMethodTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock Price or TSR Estimation Method",
        "label": "Stock Price or TSR Estimation Method [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1249",
      "r1260",
      "r1270",
      "r1303"
     ]
    },
    "us-gaap_StockAppreciationRightsSARSMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StockAppreciationRightsSARSMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock Appreciation Rights (SARs)",
        "label": "Stock Appreciation Rights (SARs) [Member]",
        "documentation": "Right to receive cash or shares equal to appreciation of predetermined number of grantor's shares during predetermined time period."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StockIssuedDuringPeriodSharesNewIssues": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StockIssuedDuringPeriodSharesNewIssues",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Issuance of common shares (in shares)",
        "label": "Stock Issued During Period, Shares, New Issues",
        "documentation": "Number of new stock issued during the period."
       }
      }
     },
     "auth_ref": [
      "r14",
      "r118",
      "r119",
      "r152",
      "r989",
      "r1069",
      "r1107"
     ]
    },
    "us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StockIssuedDuringPeriodSharesStockOptionsExercised",
     "presentation": [
      "http://www.salliemae.com/role/StockBasedCompensationPlansandArrangementsStockOptionActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Exercised (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period",
        "documentation": "Number of share options (or share units) exercised during the current period."
       }
      }
     },
     "auth_ref": [
      "r14",
      "r118",
      "r119",
      "r152",
      "r657"
     ]
    },
    "us-gaap_StockIssuedDuringPeriodValueNewIssues": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StockIssuedDuringPeriodValueNewIssues",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Issuance of common shares",
        "label": "Stock Issued During Period, Value, New Issues",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r14",
      "r118",
      "r119",
      "r152",
      "r997",
      "r1069",
      "r1107",
      "r1225"
     ]
    },
    "srt_StockRepurchaseProgramAuthorizedAmount1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "StockRepurchaseProgramAuthorizedAmount1",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate purchase price (not to exceed)",
        "label": "Share Repurchase Program, Authorized, Amount",
        "documentation": "Amount authorized for purchase of share under share repurchase plan. Includes, but is not limited to, repurchase of stock and unit of ownership."
       }
      }
     },
     "auth_ref": [
      "r1459"
     ]
    },
    "slm_StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of additional shares authorized to be repurchased",
        "label": "Stock Repurchase Program, Number of Additional Shares Authorized to be Repurchased",
        "documentation": "Stock Repurchase Program, Number of Additional Shares Authorized to be Repurchased"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Remaining authority under the share repurchase program",
        "label": "Share Repurchase Program, Remaining Authorized, Amount",
        "documentation": "Amount remaining authorized for purchase of share under share repurchase plan. Includes, but is not limited to, repurchase of stock and unit of ownership."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StockholdersEquityAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StockholdersEquityAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity",
        "label": "Equity, Attributable to Parent [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_StockholdersEquityAttributabletoParentExcludingTreasuryStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "StockholdersEquityAttributabletoParentExcludingTreasuryStock",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total SLM Corporation stockholders\u2019 equity before treasury stock",
        "label": "Stockholders' Equity Attributable to Parent, Excluding Treasury Stock",
        "documentation": "Stockholders' Equity Attributable to Parent, Excluding Treasury Stock"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total equity",
        "periodStartLabel": "Beginning balance",
        "periodEndLabel": "Ending balance",
        "label": "Equity, Including Portion Attributable to Noncontrolling Interest",
        "documentation": "Amount of equity (deficit) attributable to parent and noncontrolling interest. Excludes temporary equity."
       }
      }
     },
     "auth_ref": [
      "r69",
      "r70",
      "r77",
      "r292",
      "r293",
      "r330",
      "r352",
      "r353",
      "r354",
      "r357",
      "r364",
      "r366",
      "r479",
      "r485",
      "r550",
      "r625",
      "r707",
      "r708",
      "r726",
      "r727",
      "r728",
      "r731",
      "r739",
      "r740",
      "r760",
      "r762",
      "r763",
      "r764",
      "r765",
      "r767",
      "r778",
      "r811",
      "r813",
      "r817",
      "r825",
      "r833",
      "r972",
      "r973",
      "r995",
      "r1032",
      "r1048",
      "r1070",
      "r1071",
      "r1111",
      "r1225",
      "r1377",
      "r1418",
      "r1582",
      "r1643"
     ]
    },
    "us-gaap_StockholdersEquityNoteDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StockholdersEquityNoteDisclosureTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stockholders' Equity",
        "label": "Equity [Text Block]",
        "documentation": "The entire disclosure for equity."
       }
      }
     },
     "auth_ref": [
      "r149",
      "r347",
      "r609",
      "r611",
      "r613",
      "r614",
      "r615",
      "r616",
      "r617",
      "r618",
      "r619",
      "r620",
      "r621",
      "r623",
      "r625",
      "r769",
      "r1072",
      "r1073",
      "r1112"
     ]
    },
    "us-gaap_StudentLoanMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "StudentLoanMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAgeAnalysisofPastDueLoansDelinquenciesDetails",
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails",
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Student Loan",
        "label": "Student Loan [Member]",
        "documentation": "Loan to finance tuition costs."
       }
      }
     },
     "auth_ref": [
      "r1394"
     ]
    },
    "slm_StudentLoansacquiredandoriginated": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "StudentLoansacquiredandoriginated",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": -1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Loans acquired and originated",
        "label": "Student Loans acquired and originated",
        "documentation": "Student Loans acquired and originated"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SubsequentEventLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SubsequentEventLineItems",
     "presentation": [
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Event [Line Items]",
        "label": "Subsequent Event [Line Items]",
        "documentation": "Detail information of subsequent event by type. User is expected to use existing line items from elsewhere in the taxonomy as the primary line items for this disclosure, which is further associated with dimension and member elements pertaining to a subsequent event."
       }
      }
     },
     "auth_ref": [
      "r818",
      "r836"
     ]
    },
    "us-gaap_SubsequentEventMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SubsequentEventMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Event",
        "label": "Subsequent Event [Member]",
        "documentation": "Identifies event that occurred after the balance sheet date but before financial statements are issued or available to be issued."
       }
      }
     },
     "auth_ref": [
      "r818",
      "r836"
     ]
    },
    "us-gaap_SubsequentEventTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SubsequentEventTable",
     "presentation": [
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Event [Table]",
        "label": "Subsequent Event [Table]",
        "documentation": "Disclosure of information about significant event or transaction occurring between statement of financial position date and date when financial statements were issued."
       }
      }
     },
     "auth_ref": [
      "r818",
      "r836"
     ]
    },
    "us-gaap_SubsequentEventTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SubsequentEventTypeAxis",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Event Type [Axis]",
        "label": "Subsequent Event Type [Axis]",
        "documentation": "Information by event that occurred after the balance sheet date but before financial statements are issued or available to be issued."
       }
      }
     },
     "auth_ref": [
      "r818",
      "r836"
     ]
    },
    "us-gaap_SubsequentEventTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SubsequentEventTypeDomain",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Event Type [Domain]",
        "label": "Subsequent Event Type [Domain]",
        "documentation": "Event that occurred after the balance sheet date but before financial statements are issued or available to be issued."
       }
      }
     },
     "auth_ref": [
      "r818",
      "r836"
     ]
    },
    "us-gaap_SubsequentEventsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SubsequentEventsAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Events [Abstract]",
        "label": "Subsequent Events [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SubsequentEventsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SubsequentEventsTextBlock",
     "presentation": [
      "http://www.salliemae.com/role/SubsequentEvents"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Events",
        "label": "Subsequent Events [Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r835",
      "r837"
     ]
    },
    "us-gaap_SupplementalCashFlowInformationAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "SupplementalCashFlowInformationAbstract",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash disbursements made for:",
        "label": "Supplemental Cash Flow Information [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "stpr_TX": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/stpr/2024",
     "localname": "TX",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentByRegionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Texas",
        "label": "TEXAS"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_TabularListTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "TabularListTableTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tabular List, Table",
        "label": "Tabular List [Table Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1296"
     ]
    },
    "us-gaap_TaxesPayableCurrentAndNoncurrent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TaxesPayableCurrentAndNoncurrent",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails": {
       "parentTag": "us-gaap_Liabilities",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Income taxes payable, net",
        "label": "Taxes Payable",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r108",
      "r184",
      "r1601"
     ]
    },
    "slm_ThirdPartyBrokerFeesPaid": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ThirdPartyBrokerFeesPaid",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Third party broker fees paid",
        "label": "Third Party Broker Fees Paid",
        "documentation": "Third Party Broker Fees Paid"
       }
      }
     },
     "auth_ref": []
    },
    "slm_ThreeMonthLIBORMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ThreeMonthLIBORMember",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Three Month LIBOR",
        "label": "Three Month LIBOR [Member]",
        "documentation": "Three Month LIBOR [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "ThresholdPeriodPastDueForWriteOffOfFinancingReceivable",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Threshold period when delinquent loans are written off",
        "label": "Threshold Period Past Due For Write-off Of Financing Receivable",
        "documentation": "Threshold Period Past Due For Write-off Of Financing Receivable"
       }
      }
     },
     "auth_ref": []
    },
    "slm_TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common Equity Tier 1 Capital (to Risk-Weighted Assets)",
        "label": "Tier One Common Equity Capital Required to be Well Capitalized to Risk Weighted Assets",
        "documentation": "Tier One Common Equity Capital Required to be Well Capitalized to Risk Weighted Assets"
       }
      }
     },
     "auth_ref": []
    },
    "slm_TierOneCommonEquityCapitaltoRiskWeightedAssets": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "TierOneCommonEquityCapitaltoRiskWeightedAssets",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common Equity Tier 1 Capital (to Risk-Weighted Assets)",
        "label": "Tier One Common Equity Capital to Risk Weighted Assets",
        "documentation": "Tier One Common Equity Capital to Risk Weighted Assets"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_TierOneLeverageCapital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TierOneLeverageCapital",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tier 1 Capital (to Average Assets)",
        "label": "Banking Regulation, Tier 1 Leverage Capital, Actual",
        "documentation": "Amount of Tier 1 leverage capital as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r922"
     ]
    },
    "us-gaap_TierOneLeverageCapitalAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TierOneLeverageCapitalAbstract",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Well Capitalized Regulatory Requirements, Amount",
        "label": "Banking Regulation, Tier 1 Leverage Capital [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TierOneLeverageCapitalRequiredToBeWellCapitalized",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tier 1 Capital (to Average Assets)",
        "label": "Banking Regulation, Tier 1 Leverage Capital, Well Capitalized, Minimum",
        "documentation": "Amount of minimum Tier 1 leverage capital categorized as well capitalized as defined by regulatory framework for prompt corrective action."
       }
      }
     },
     "auth_ref": [
      "r922"
     ]
    },
    "us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tier 1 Capital (to Average Assets)",
        "label": "Banking Regulation, Tier 1 Leverage Capital Ratio, Well Capitalized, Minimum",
        "documentation": "Ratio of minimum Tier 1 leverage capital to average assets categorized as well capitalized as defined by regulatory framework for prompt corrective action."
       }
      }
     },
     "auth_ref": [
      "r922"
     ]
    },
    "us-gaap_TierOneLeverageCapitalToAverageAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TierOneLeverageCapitalToAverageAssets",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tier 1 Capital (to Average Assets)",
        "label": "Banking Regulation, Tier 1 Leverage Capital Ratio, Actual",
        "documentation": "Ratio of Tier 1 capital to average assets as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r922"
     ]
    },
    "us-gaap_TierOneRiskBasedCapital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TierOneRiskBasedCapital",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tier 1 Capital (to Risk-Weighted Assets)",
        "label": "Banking Regulation, Tier 1 Risk-Based Capital, Actual",
        "documentation": "Amount of Tier 1 risk-based capital as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r922"
     ]
    },
    "us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TierOneRiskBasedCapitalRequiredToBeWellCapitalized",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tier 1 Capital (to Risk-Weighted Assets)",
        "label": "Banking Regulation, Tier 1 Risk-Based Capital, Well Capitalized, Minimum",
        "documentation": "Amount of minimum Tier 1 risk-based capital categorized as well capitalized as defined by regulatory framework for prompt corrective action."
       }
      }
     },
     "auth_ref": [
      "r922"
     ]
    },
    "us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tier 1 Capital (to Risk-Weighted Assets)",
        "label": "Banking Regulation, Tier 1 Risk-Based Capital Ratio, Well Capitalized, Minimum",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r922"
     ]
    },
    "us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TierOneRiskBasedCapitalToRiskWeightedAssets",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tier 1 Capital (to Risk-Weighted Assets)",
        "label": "Banking Regulation, Tier 1 Risk-Based Capital Ratio, Actual",
        "documentation": "Ratio of Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r922"
     ]
    },
    "slm_TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalUSBaselIIIRegulatoryRequirementsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common Equity Tier 1 Capital (to Risk-Weighted Assets)",
        "label": "Tier One Risk Based Capital for Common Equity Required to be Capitalized",
        "documentation": "Tier One Risk Based Capital for Common Equity Required to be Capitalized"
       }
      }
     },
     "auth_ref": []
    },
    "slm_TierOneofGovernmentGuarantee": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "TierOneofGovernmentGuarantee",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Tier 1 of government guarantee (at least)",
        "label": "Tier One of Government Guarantee",
        "documentation": "Tier One of Government Guarantee"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_TimeDepositMaturitiesAfterYearFive": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TimeDepositMaturitiesAfterYearFive",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails": {
       "parentTag": "us-gaap_TimeDeposits",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "After five years",
        "label": "Time Deposit Maturities, after Year Five",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r10"
     ]
    },
    "us-gaap_TimeDepositMaturitiesYearFive": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TimeDepositMaturitiesYearFive",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails": {
       "parentTag": "us-gaap_TimeDeposits",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "After four years to five years",
        "label": "Time Deposit Maturities, Year Five",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r10"
     ]
    },
    "us-gaap_TimeDepositMaturitiesYearFour": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TimeDepositMaturitiesYearFour",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails": {
       "parentTag": "us-gaap_TimeDeposits",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "After three years to four years",
        "label": "Time Deposit Maturities, Year Four",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r10"
     ]
    },
    "us-gaap_TimeDepositMaturitiesYearOne": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TimeDepositMaturitiesYearOne",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails": {
       "parentTag": "us-gaap_TimeDeposits",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "One year or less",
        "label": "Time Deposit Maturities, Year One",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r10"
     ]
    },
    "us-gaap_TimeDepositMaturitiesYearThree": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TimeDepositMaturitiesYearThree",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails": {
       "parentTag": "us-gaap_TimeDeposits",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "After two years to three years",
        "label": "Time Deposit Maturities, Year Three",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r10"
     ]
    },
    "us-gaap_TimeDepositMaturitiesYearTwo": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TimeDepositMaturitiesYearTwo",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails": {
       "parentTag": "us-gaap_TimeDeposits",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "After one year to two years",
        "label": "Time Deposit Maturities, Year Two",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r10"
     ]
    },
    "us-gaap_TimeDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TimeDeposits",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total",
        "label": "Time Deposits",
        "documentation": "Amount of time deposit liabilities, including certificates of deposit."
       }
      }
     },
     "auth_ref": [
      "r12",
      "r182"
     ]
    },
    "us-gaap_TimeDepositsByMaturityAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TimeDepositsByMaturityAbstract",
     "presentation": [
      "http://www.salliemae.com/role/DepositsCertificatesofDepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Time Deposits, Fiscal Year Maturity [Abstract]",
        "label": "Time Deposits, Fiscal Year Maturity [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_TotalShareholderRtnAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "TotalShareholderRtnAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Shareholder Return Amount",
        "label": "Total Shareholder Return Amount"
       }
      }
     },
     "auth_ref": [
      "r1288"
     ]
    },
    "ecd_TotalShareholderRtnVsPeerGroupTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "TotalShareholderRtnVsPeerGroupTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Shareholder Return Vs Peer Group",
        "label": "Total Shareholder Return Vs Peer Group [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1295"
     ]
    },
    "us-gaap_TrademarksAndTradeNamesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TrademarksAndTradeNamesMember",
     "presentation": [
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsNarrativeDetails",
      "http://www.salliemae.com/role/GoodwillandAcquiredIntangibleAssetsScheduleofAcquiredIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tradename and trademarks",
        "label": "Trademarks and Trade Names [Member]",
        "documentation": "Rights acquired through registration of a trademark to gain or protect exclusive use of a business name, symbol or other device or style, or rights either acquired through registration of a business name to gain or protect exclusive use thereof."
       }
      }
     },
     "auth_ref": [
      "r67",
      "r1430",
      "r1431",
      "r1432",
      "r1433",
      "r1434",
      "r1435",
      "r1437",
      "r1438",
      "r1439",
      "r1440"
     ]
    },
    "us-gaap_TradingActivityByTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TradingActivityByTypeAxis",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading Activity [Axis]",
        "label": "Trading Activity [Axis]",
        "documentation": "Information by type of trading activity."
       }
      }
     },
     "auth_ref": [
      "r174"
     ]
    },
    "us-gaap_TradingActivityByTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TradingActivityByTypeDomain",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading Activity, by Type [Domain]",
        "label": "Trading Activity, by Type [Domain]",
        "documentation": "Gains and losses on trading activities (including both derivative and nonderivative instruments) recognized in the statement of financial performance, separately by major types of items (such as fixed income/interest rates, foreign exchange, equity, commodity, and credit)."
       }
      }
     },
     "auth_ref": [
      "r174"
     ]
    },
    "ecd_TradingArrAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "TradingArrAxis",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading Arrangement:",
        "label": "Trading Arrangement [Axis]"
       }
      }
     },
     "auth_ref": [
      "r1316"
     ]
    },
    "ecd_TradingArrByIndTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "TradingArrByIndTable",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading Arrangements, by Individual",
        "label": "Trading Arrangements, by Individual [Table]"
       }
      }
     },
     "auth_ref": [
      "r1318"
     ]
    },
    "slm_TradingInvestmentReceivedInConsiderationForLoansSold": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "TradingInvestmentReceivedInConsiderationForLoansSold",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading investments received in consideration for loans sold",
        "label": "Trading Investment Received in Consideration for Loans Sold",
        "documentation": "Trading Investment Received in Consideration for Loans Sold"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_TradingSecurities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TradingSecurities",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Interests",
        "label": "Debt Securities, Trading, and Equity Securities, FV-NI",
        "documentation": "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)."
       }
      }
     },
     "auth_ref": [
      "r190",
      "r305",
      "r1134"
     ]
    },
    "us-gaap_TradingSecuritiesDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TradingSecuritiesDebt",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_Investments",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 3.0
      },
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail",
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsValuationofFinancialInstrumentsthatareMarkedtoMarketonRecurringBasisDetail",
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading investments at fair value (cost of $41,715 and $43,412, respectively)",
        "verboseLabel": "Trading investments",
        "label": "Debt Securities, Trading",
        "documentation": "Amount of investment in debt security measured at fair value with change in fair value recognized in net income (trading)."
       }
      }
     },
     "auth_ref": [
      "r305",
      "r782",
      "r1134",
      "r1405",
      "r1568",
      "r1569",
      "r1570"
     ]
    },
    "us-gaap_TradingSecuritiesDebtAmortizedCost": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TradingSecuritiesDebtAmortizedCost",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading investments, cost",
        "label": "Debt Securities, Trading, Amortized Cost",
        "documentation": "Amortized cost of investments in debt securities classified as trading."
       }
      }
     },
     "auth_ref": [
      "r931",
      "r1362"
     ]
    },
    "dei_TradingSymbol": {
     "xbrltype": "tradingSymbolItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "TradingSymbol",
     "presentation": [
      "http://www.salliemae.com/role/CoverPage"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading Symbol",
        "label": "Trading Symbol",
        "documentation": "Trading symbol of an instrument as listed on an exchange."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Securitization Accounting",
        "label": "Transfers and Servicing of Financial Assets, Transfers of Financial Assets, Policy [Policy Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r0",
      "r20",
      "r22",
      "r177"
     ]
    },
    "us-gaap_TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gains on Sale of Loans, Net",
        "label": "Transfers and Servicing of Financial Assets, Transfers of Financial Assets, Sales, Policy [Policy Text Block]",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r20",
      "r22"
     ]
    },
    "us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetail",
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails",
      "http://www.salliemae.com/role/InvestmentsMaturityTableDetails",
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Instruments [Domain]",
        "label": "Financial Instruments [Domain]",
        "documentation": "Instrument or contract that imposes a contractual obligation to deliver cash or another financial instrument or to exchange other financial instruments on potentially unfavorable terms and conveys a contractual right to receive cash or another financial instrument or to exchange other financial instruments on potentially favorable terms."
       }
      }
     },
     "auth_ref": [
      "r443",
      "r444",
      "r445",
      "r446",
      "r447",
      "r448",
      "r449",
      "r450",
      "r451",
      "r452",
      "r453",
      "r454",
      "r455",
      "r456",
      "r457",
      "r458",
      "r459",
      "r460",
      "r461",
      "r462",
      "r463",
      "r464",
      "r465",
      "r466",
      "r467",
      "r468",
      "r469",
      "r470",
      "r471",
      "r472",
      "r606",
      "r622",
      "r768",
      "r803",
      "r838",
      "r839",
      "r840",
      "r841",
      "r842",
      "r843",
      "r844",
      "r845",
      "r846",
      "r847",
      "r848",
      "r849",
      "r850",
      "r852",
      "r853",
      "r855",
      "r856",
      "r857",
      "r858",
      "r859",
      "r860",
      "r861",
      "r862",
      "r863",
      "r864",
      "r865",
      "r866",
      "r867",
      "r868",
      "r869",
      "r949",
      "r1184",
      "r1186",
      "r1188",
      "r1189",
      "r1190",
      "r1191",
      "r1192",
      "r1193",
      "r1194",
      "r1197",
      "r1345",
      "r1346",
      "r1347",
      "r1348",
      "r1349",
      "r1350",
      "r1351",
      "r1414",
      "r1415",
      "r1416",
      "r1417",
      "r1565",
      "r1568",
      "r1569",
      "r1570",
      "r1577",
      "r1580"
     ]
    },
    "ecd_TrdArrAdoptionDate": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "TrdArrAdoptionDate",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adoption Date",
        "label": "Trading Arrangement Adoption Date"
       }
      }
     },
     "auth_ref": [
      "r1319"
     ]
    },
    "ecd_TrdArrDuration": {
     "xbrltype": "durationItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "TrdArrDuration",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Arrangement Duration",
        "label": "Trading Arrangement Duration"
       }
      }
     },
     "auth_ref": [
      "r1320"
     ]
    },
    "ecd_TrdArrExpirationDate": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "TrdArrExpirationDate",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Expiration Date",
        "label": "Trading Arrangement Expiration Date"
       }
      }
     },
     "auth_ref": [
      "r1320"
     ]
    },
    "ecd_TrdArrIndName": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "TrdArrIndName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Name",
        "label": "Trading Arrangement, Individual Name"
       }
      }
     },
     "auth_ref": [
      "r1318"
     ]
    },
    "ecd_TrdArrIndTitle": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "TrdArrIndTitle",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Title",
        "label": "Trading Arrangement, Individual Title"
       }
      }
     },
     "auth_ref": [
      "r1318"
     ]
    },
    "ecd_TrdArrSecuritiesAggAvailAmt": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "TrdArrSecuritiesAggAvailAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate Available",
        "label": "Trading Arrangement, Securities Aggregate Available Amount"
       }
      }
     },
     "auth_ref": [
      "r1321"
     ]
    },
    "ecd_TrdArrTerminationDate": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "TrdArrTerminationDate",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Termination Date",
        "label": "Trading Arrangement Termination Date"
       }
      }
     },
     "auth_ref": [
      "r1319"
     ]
    },
    "us-gaap_TreasuryStockAcquiredAverageCostPerShare": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TreasuryStockAcquiredAverageCostPerShare",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Average purchase price per share (in dollars per share)",
        "label": "Shares Acquired, Average Cost Per Share",
        "documentation": "Total cost of shares repurchased divided by the total number of shares repurchased."
       }
      }
     },
     "auth_ref": [
      "r56"
     ]
    },
    "slm_TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Average purchase price per share (in dollars per share)",
        "label": "Treasury Stock Acquired, Average Cost Per Share, Including Commission Costs",
        "documentation": "Treasury Stock Acquired, Average Cost Per Share, Including Commission Costs"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_TreasuryStockCommonMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TreasuryStockCommonMember",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Treasury Stock",
        "label": "Treasury Stock, Common [Member]",
        "documentation": "Previously issued common shares repurchased by the issuing entity and held in treasury."
       }
      }
     },
     "auth_ref": [
      "r56"
     ]
    },
    "us-gaap_TreasuryStockCommonShares": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TreasuryStockCommonShares",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETSParenthetical",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Common stock held in treasury (in shares)",
        "negatedPeriodStartLabel": "Beginning balance (in shares)",
        "negatedPeriodEndLabel": "Ending balance (in shares)",
        "terseLabel": "Common stock held in treasury (in shares)",
        "label": "Treasury Stock, Common, Shares",
        "documentation": "Number of previously issued common shares repurchased by the issuing entity and held in treasury."
       }
      }
     },
     "auth_ref": [
      "r56"
     ]
    },
    "us-gaap_TreasuryStockCommonValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TreasuryStockCommonValue",
     "crdr": "debit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS": {
       "parentTag": "us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDBALANCESHEETS",
      "http://www.salliemae.com/role/ParentOnlyStatementsBalanceSheetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Less: Common stock held in treasury at cost: 230.2 million and 217.9 million shares, respectively",
        "negatedLabel": "Less: Common stock held in treasury at cost: 230.2 million and 217.9 million shares, respectively",
        "label": "Treasury Stock, Common, Value",
        "documentation": "Amount allocated to previously issued common shares repurchased by the issuing entity and held in treasury."
       }
      }
     },
     "auth_ref": [
      "r56",
      "r59",
      "r123"
     ]
    },
    "us-gaap_TreasuryStockSharesAcquired": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TreasuryStockSharesAcquired",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/StockholdersEquityScheduleofCommonShareRepurchasesDetails",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Common stock repurchased (in shares)",
        "terseLabel": "Common stock repurchased under repurchase programs (in shares)",
        "label": "Treasury Stock, Shares, Acquired",
        "documentation": "Number of shares that have been repurchased during the period and are being held in treasury."
       }
      }
     },
     "auth_ref": [
      "r14",
      "r119",
      "r152"
     ]
    },
    "us-gaap_TreasuryStockValueAcquiredCostMethod": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TreasuryStockValueAcquiredCostMethod",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Payment for delivery of common stock",
        "label": "Treasury Stock, Value, Acquired, Cost Method",
        "documentation": "Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method."
       }
      }
     },
     "auth_ref": [
      "r14",
      "r56",
      "r152"
     ]
    },
    "us-gaap_TreasuryStockValueAcquiredParValueMethod": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TreasuryStockValueAcquiredParValueMethod",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITY",
      "http://www.salliemae.com/role/StockholdersEquityShareRepurchasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Common stock repurchased",
        "terseLabel": "Repurchase amount",
        "label": "Treasury Stock, Value, Acquired, Par Value Method",
        "documentation": "Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the par value method."
       }
      }
     },
     "auth_ref": [
      "r14",
      "r56",
      "r152"
     ]
    },
    "slm_Type1ofDefinedContributionPlan": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Type1ofDefinedContributionPlan",
     "presentation": [
      "http://www.salliemae.com/role/DefinedContributionPlansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Type 1 of defined benefit contribution (up to)",
        "label": "Type 1 of Defined Contribution Plan",
        "documentation": "Type 1 of Defined Contribution Plan"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_TypeOfAdoptionMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "TypeOfAdoptionMember",
     "presentation": [
      "http://www.salliemae.com/role/RegulatoryCapitalNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Type of Adoption [Domain]",
        "label": "Accounting Standards Update [Domain]",
        "documentation": "Amendment to accounting standards."
       }
      }
     },
     "auth_ref": [
      "r290",
      "r291",
      "r292",
      "r293",
      "r294",
      "r295",
      "r356",
      "r357",
      "r358",
      "r359",
      "r369",
      "r431",
      "r432",
      "r476",
      "r477",
      "r478",
      "r479",
      "r480",
      "r481",
      "r482",
      "r483",
      "r484",
      "r485",
      "r549",
      "r550",
      "r559",
      "r707",
      "r708",
      "r709",
      "r710",
      "r711",
      "r723",
      "r724",
      "r725",
      "r726",
      "r727",
      "r728",
      "r729",
      "r730",
      "r731",
      "r733",
      "r734",
      "r735",
      "r736",
      "r737",
      "r738",
      "r739",
      "r740",
      "r757",
      "r758",
      "r759",
      "r760",
      "r761",
      "r762",
      "r763",
      "r764",
      "r765",
      "r766",
      "r767",
      "r770",
      "r771",
      "r772",
      "r773",
      "r774",
      "r775",
      "r776",
      "r777",
      "r778",
      "r779",
      "r780",
      "r806",
      "r807",
      "r823",
      "r824",
      "r825",
      "r828",
      "r829",
      "r830",
      "r831",
      "r832",
      "r833",
      "r873",
      "r874",
      "r875",
      "r969",
      "r970",
      "r971",
      "r972",
      "r973",
      "r974",
      "r975",
      "r976",
      "r977",
      "r978",
      "r979",
      "r980"
     ]
    },
    "us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "USGovernmentSponsoredEnterprisesDebtSecuritiesMember",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails",
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "U.S. government-sponsored enterprises and Treasuries",
        "label": "US Government-sponsored Enterprises Debt Securities [Member]",
        "documentation": "Debentures, bonds and other debt securities issued by US government sponsored entities (GSEs), for example, but not limited to, Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac), Federal National Mortgage Association (FNMA or Fannie Mae), and the Federal Home Loan Bank (FHLB). Excludes debt issued by the Government National Mortgage Association (GNMA or Ginnie Mae)."
       }
      }
     },
     "auth_ref": [
      "r1484",
      "r1598"
     ]
    },
    "us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deferred origination costs and unamortized premium/ (discount)",
        "label": "Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r227"
     ]
    },
    "slm_UncommittedFederalFunds": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "UncommittedFederalFunds",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsOtherBorrowingSourcesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Uncommitted federal funds",
        "label": "Uncommitted Federal Funds",
        "documentation": "Uncommitted Federal Funds"
       }
      }
     },
     "auth_ref": []
    },
    "slm_Undistributedearningsofsubsidiaries": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "Undistributedearningsofsubsidiaries",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/ParentOnlyStatementsStatementsofCashFlowsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Undistributed earnings of subsidiaries",
        "label": "Undistributed earnings of subsidiaries",
        "documentation": "Undistributed earnings of subsidiaries"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_UndrlygSecurityMktPriceChngPct": {
     "xbrltype": "pureItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "UndrlygSecurityMktPriceChngPct",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Underlying Security Market Price Change",
        "label": "Underlying Security Market Price Change, Percent"
       }
      }
     },
     "auth_ref": [
      "r1315"
     ]
    },
    "slm_UnfundedCommitmentsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "UnfundedCommitmentsAbstract",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsScheduleofAllowanceforCreditLossesandRecordedInvestmentsinLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unfunded Commitments",
        "label": "Unfunded Commitments [Abstract]",
        "documentation": "Unfunded Commitments"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_UnrealizedGainLossOnDerivatives": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UnrealizedGainLossOnDerivatives",
     "crdr": "credit",
     "calculation": {
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS": {
       "parentTag": "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 13.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Unrealized (gains) losses on derivative and hedging activities, net",
        "label": "Unrealized Gain (Loss) on Derivatives",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r7",
      "r1063",
      "r1064",
      "r1065",
      "r1066",
      "r1092"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UnrecognizedTaxBenefits",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails",
      "http://www.salliemae.com/role/IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Unrecognized tax benefits",
        "periodStartLabel": "Unrecognized tax benefits at beginning of year",
        "periodEndLabel": "Unrecognized tax benefits at end of year",
        "label": "Unrecognized Tax Benefits",
        "documentation": "Amount of unrecognized tax benefits."
       }
      }
     },
     "auth_ref": [
      "r681",
      "r693",
      "r1178"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Decreases resulting from tax positions taken during a prior period",
        "label": "Unrecognized Tax Benefits, Decrease Resulting from Prior Period Tax Positions",
        "documentation": "Amount of decrease in unrecognized tax benefits resulting from tax positions taken in prior period tax returns."
       }
      }
     },
     "auth_ref": [
      "r694",
      "r1178"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Decreases related to settlements with taxing authorities",
        "label": "Unrecognized Tax Benefits, Decrease Resulting from Settlements with Taxing Authorities",
        "documentation": "Amount of decrease in unrecognized tax benefits resulting from settlements with taxing authorities."
       }
      }
     },
     "auth_ref": [
      "r696",
      "r1178"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Increases resulting from tax positions taken during the current period",
        "label": "Unrecognized Tax Benefits, Increase Resulting from Current Period Tax Positions",
        "documentation": "Amount of increase in unrecognized tax benefits resulting from tax positions that have been or will be taken in current period tax return."
       }
      }
     },
     "auth_ref": [
      "r695",
      "r1178"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Increases resulting from tax positions taken during a prior period",
        "label": "Unrecognized Tax Benefits, Increase Resulting from Prior Period Tax Positions",
        "documentation": "Amount of increase in unrecognized tax benefits resulting from tax positions taken in prior period tax returns."
       }
      }
     },
     "auth_ref": [
      "r694",
      "r1178"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest on income taxes accrued net of related benefit",
        "label": "Unrecognized Tax Benefits, Interest on Income Taxes Accrued",
        "documentation": "Amount of interest expense accrued for an underpayment of income taxes."
       }
      }
     },
     "auth_ref": [
      "r1551"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest on income tax expense net of related tax benefit",
        "label": "Unrecognized Tax Benefits, Interest on Income Taxes Expense",
        "documentation": "Amount of interest expense for an underpayment of income taxes."
       }
      }
     },
     "auth_ref": [
      "r1551"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations",
     "crdr": "debit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesSummaryofChangesinUnrecognizedTaxBenefitsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Reductions related to the lapse of statute of limitations",
        "label": "Unrecognized Tax Benefits, Reduction Resulting from Lapse of Applicable Statute of Limitations",
        "documentation": "Amount of decrease in unrecognized tax benefits resulting from lapses of applicable statutes of limitations."
       }
      }
     },
     "auth_ref": [
      "r697"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unrecognized tax benefits recognition impact on effective tax rate",
        "label": "Unrecognized Tax Benefits that Would Impact Effective Tax Rate",
        "documentation": "The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate."
       }
      }
     },
     "auth_ref": [
      "r698",
      "r1178"
     ]
    },
    "us-gaap_UnsecuredDebtMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UnsecuredDebtMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/BorrowingsLongTermBorrowingsNarrativeDetails",
      "http://www.salliemae.com/role/BorrowingsStatedMaturityandMaturitytoCallDateDetails",
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS",
      "http://www.salliemae.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unsecured Debt",
        "verboseLabel": "Unsecured borrowings",
        "label": "Unsecured Debt [Member]",
        "documentation": "Debt obligation not collateralized by pledge of, mortgage of or other lien on the entity's assets."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_UseOfEstimates": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "UseOfEstimates",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Use of Estimates and Assumptions",
        "label": "Use of Estimates, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles."
       }
      }
     },
     "auth_ref": [
      "r37",
      "r38",
      "r39",
      "r241",
      "r242",
      "r244",
      "r245"
     ]
    },
    "slm_UtahHousingCorporationBondsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "UtahHousingCorporationBondsMember",
     "presentation": [
      "http://www.salliemae.com/role/InvestmentsAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails",
      "http://www.salliemae.com/role/InvestmentsGrossUnrealizedLossesandFairValueforMortgageBackedinUnrealizedLossPositionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Utah Housing Corporation bonds",
        "label": "Utah Housing Corporation Bonds [Member]",
        "documentation": "Utah Housing Corporation Bonds [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ValuationAllowanceDeferredTaxAssetChangeInAmount",
     "crdr": "credit",
     "presentation": [
      "http://www.salliemae.com/role/IncomeTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Valuation allowance",
        "label": "Valuation Allowance, Deferred Tax Asset, Increase (Decrease), Amount",
        "documentation": "Amount of increase (decrease) in the valuation allowance for a specified deferred tax asset."
       }
      }
     },
     "auth_ref": [
      "r701"
     ]
    },
    "us-gaap_ValuationTechniqueAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ValuationTechniqueAxis",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Valuation Approach and Technique [Axis]",
        "label": "Valuation Approach and Technique [Axis]",
        "documentation": "Information by valuation approach and technique."
       }
      }
     },
     "auth_ref": [
      "r784",
      "r785",
      "r1188",
      "r1570"
     ]
    },
    "us-gaap_ValuationTechniqueDiscountedCashFlowMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ValuationTechniqueDiscountedCashFlowMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Valuation Technique, Discounted Cash Flow",
        "label": "Valuation Technique, Discounted Cash Flow [Member]",
        "documentation": "Valuation technique calculating present value of future cash flows."
       }
      }
     },
     "auth_ref": [
      "r1188",
      "r1568",
      "r1569",
      "r1570"
     ]
    },
    "us-gaap_ValuationTechniqueDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "ValuationTechniqueDomain",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Valuation Approach and Technique [Domain]",
        "label": "Valuation Approach and Technique [Domain]",
        "documentation": "Valuation approach and technique."
       }
      }
     },
     "auth_ref": [
      "r784",
      "r785",
      "r1188",
      "r1570"
     ]
    },
    "us-gaap_VariableIncomeInterestRateMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "VariableIncomeInterestRateMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsCompanyBorrowingsDetails",
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfoliobyProgramDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Variable-rate",
        "terseLabel": "Variable-rate",
        "label": "Variable Income Interest Rate [Member]",
        "documentation": "Trading in derivative and nonderivative instrument that provides fluctuating return in form of periodic payment of interest based on movement of benchmark rate and return of principal at maturity."
       }
      }
     },
     "auth_ref": [
      "r1182"
     ]
    },
    "slm_VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance",
     "presentation": [
      "http://www.salliemae.com/role/SignificantAccountingPoliciesSecuritizationAccountingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Asset balance related to securitization trust (as a percentage)",
        "label": "Variable Interest Entities, Option to Exercise, Maximum Percentage of Assets to Original Loan Balance",
        "documentation": "Variable Interest Entities, Option to Exercise, Maximum Percentage of Assets to Original Loan Balance"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "VariableInterestEntityNotPrimaryBeneficiaryMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsSummaryofExposureRelatedtoUnconsolidatedVIEsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Variable Interest Entity, Not Primary Beneficiary",
        "label": "Variable Interest Entity, Not Primary Beneficiary [Member]",
        "documentation": "Variable Interest Entities (VIE) in which the entity does not have a controlling financial interest (as defined) and of which it is therefore not the primary beneficiary. VIEs of which the entity is not the primary beneficiary because it does not have the power to direct the activities of the VIE that most significantly impact the VIE's economic performance and for which it does not have the obligation to absorb losses of the VIE that could potentially be significant to the VIE or the right to receive benefits from the VIE that could potentially be significant to the VIE are not included in the consolidated financial statements of the entity."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_VariableInterestEntityPrimaryBeneficiaryMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "VariableInterestEntityPrimaryBeneficiaryMember",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsFinancingVIEsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Variable Interest Entity, Primary Beneficiary",
        "label": "Variable Interest Entity, Primary Beneficiary [Member]",
        "documentation": "Variable Interest Entities (VIE) in which the entity has a controlling financial interest (as defined) and of which it is therefore the primary beneficiary. A controlling financial interest is determined based on both: (a) the entity's power to direct activities of the VIE that most significantly impact the VIE's economic performance and (b) the entity's obligation to absorb losses of the VIE that could potentially be significant to the VIE or the right to receive benefits from the VIE that could potentially be significant to the VIE. VIEs of which the entity is the primary beneficiary are included in the consolidated financial statements of the entity."
       }
      }
     },
     "auth_ref": [
      "r72",
      "r742",
      "r743",
      "r747",
      "r748"
     ]
    },
    "us-gaap_VariableRateAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "VariableRateAxis",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Variable Rate [Axis]",
        "label": "Variable Rate [Axis]",
        "documentation": "Information by type of variable rate."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_VariableRateDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "VariableRateDomain",
     "presentation": [
      "http://www.salliemae.com/role/StockholdersEquityPreferredStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Variable Rate [Domain]",
        "label": "Variable Rate [Domain]",
        "documentation": "Interest rate that fluctuates over time as a result of an underlying benchmark interest rate or index."
       }
      }
     },
     "auth_ref": []
    },
    "slm_VerticalRiskRetentionPercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "VerticalRiskRetentionPercentage",
     "presentation": [
      "http://www.salliemae.com/role/BorrowingsUnconsolidatedVIEsNarrativeDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails",
      "http://www.salliemae.com/role/InvestmentsNarrativeDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesTradingInvestmentsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Vertical risk retention interest",
        "label": "Vertical Risk Retention, Percentage",
        "documentation": "Vertical Risk Retention, Percentage"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year",
        "label": "Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year [Member]"
       }
      }
     },
     "auth_ref": [
      "r1284"
     ]
    },
    "slm_WeightedAverageInterestRateonLoans": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "WeightedAverageInterestRateonLoans",
     "presentation": [
      "http://www.salliemae.com/role/LoansHeldforInvestmentStudentLoanPortfolioAverageBalancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average Interest Rate",
        "label": "Weighted Average Interest Rate on Loans",
        "documentation": "Weighted Average Interest Rate on Loans"
       }
      }
     },
     "auth_ref": []
    },
    "slm_WeightedAverageLifeOfLoans": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "WeightedAverageLifeOfLoans",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsAmortizedCostBasisofFinancingReceivableswithLoanModificationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted average life of loans",
        "label": "Weighted Average Life of Loans",
        "documentation": "Weighted Average Life of Loans"
       }
      }
     },
     "auth_ref": []
    },
    "srt_WeightedAverageMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2024",
     "localname": "WeightedAverageMember",
     "presentation": [
      "http://www.salliemae.com/role/FairValueMeasurementsFairValuesofFinancialAssetsandLiabilitiesIncludingDerivativeFinancialInstrumentsDetails",
      "http://www.salliemae.com/role/FairValueMeasurementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average",
        "label": "Weighted Average [Member]",
        "documentation": "Average of a range of values, calculated with consideration of proportional relevance."
       }
      }
     },
     "auth_ref": [
      "r786",
      "r854",
      "r1128",
      "r1129",
      "r1188",
      "r1591",
      "r1593",
      "r1596"
     ]
    },
    "us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "WeightedAverageNumberOfDilutedSharesOutstanding",
     "calculation": {
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Average common and common equivalent shares outstanding (in shares)",
        "totalLabel": "Weighted average shares used to compute diluted EPS (in shares)",
        "label": "Weighted Average Number of Shares Outstanding, Diluted",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r373",
      "r387"
     ]
    },
    "us-gaap_WeightedAverageNumberOfSharesOutstandingBasic": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "WeightedAverageNumberOfSharesOutstandingBasic",
     "calculation": {
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails": {
       "parentTag": "us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.salliemae.com/role/CONSOLIDATEDSTATEMENTSOFINCOME",
      "http://www.salliemae.com/role/EarningsPerCommonShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Average common shares outstanding (in shares)",
        "verboseLabel": "Weighted average shares used to compute basic EPS (in shares)",
        "label": "Weighted Average Number of Shares Outstanding, Basic",
        "documentation": "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."
       }
      }
     },
     "auth_ref": [
      "r371",
      "r387"
     ]
    },
    "us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "WeightedAverageRateDomesticDepositLiabilitiesAbstract",
     "presentation": [
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Year-End Weighted Average Stated Rate",
        "label": "Weighted Average Rate Domestic Deposit Liabilities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_WeightedAverageRateDomesticDepositMoneyMarket": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "WeightedAverageRateDomesticDepositMoneyMarket",
     "presentation": [
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Money market",
        "label": "Weighted Average Rate Domestic Deposit, Money Market",
        "documentation": "The weighted average interest rate for domestic money market demand account deposit liabilities."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_WeightedAverageRateDomesticDepositSavings": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "WeightedAverageRateDomesticDepositSavings",
     "presentation": [
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Savings",
        "label": "Weighted Average Rate Domestic Deposit, Savings",
        "documentation": "The weighted average interest rate for domestic savings deposit liabilities."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_WeightedAverageRateDomesticDepositTimeDeposits": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2024",
     "localname": "WeightedAverageRateDomesticDepositTimeDeposits",
     "presentation": [
      "http://www.salliemae.com/role/DepositsInterestBearingDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Certificates of deposit",
        "label": "Weighted Average Rate Domestic Deposit, Time Deposits",
        "documentation": "The weighted average interest rate for domestic time deposit liabilities."
       }
      }
     },
     "auth_ref": []
    },
    "slm_WithCosignerMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "WithCosignerMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "With cosigner",
        "label": "With Cosigner [Member]",
        "documentation": "With Cosigner [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "slm_WithoutCosignerMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.salliemae.com/20241231",
     "localname": "WithoutCosignerMember",
     "presentation": [
      "http://www.salliemae.com/role/AllowanceforCreditLossesandUnfundedLoanCommitmentsLoanPortfolioStratifiedbyKeyCreditQualityIndicatorsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Without cosigner",
        "label": "Without Cosigner [Member]",
        "documentation": "Without Cosigner [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "exch_XCME": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/exch/2024",
     "localname": "XCME",
     "presentation": [
      "http://www.salliemae.com/role/DerivativeFinancialInstrumentsNarrativeDetails",
      "http://www.salliemae.com/role/SignificantAccountingPoliciesDerivativeAccountingDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "CME",
        "label": "CHICAGO MERCANTILE EXCHANGE [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2024",
     "localname": "YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested",
        "label": "Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested [Member]"
       }
      }
     },
     "auth_ref": [
      "r1282"
     ]
    }
   }
  }
 },
 "std_ref": {
  "r0": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "25",
   "Paragraph": "2",
   "SubTopic": "30",
   "Topic": "860",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481557/860-30-25-2"
  },
  "r1": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "SubTopic": "230",
   "Topic": "830",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477401/830-230-45-1"
  },
  "r2": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "SubTopic": "10",
   "Topic": "220",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-10A"
  },
  "r3": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "12",
   "SubTopic": "10",
   "Topic": "220",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-12"
  },
  "r4": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "14",
   "Subparagraph": "(a)",
   "SubTopic": "10",
   "Topic": "230",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-14"
  },
  "r5": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "SubTopic": "405",
   "Topic": "942",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477787/942-405-45-2"
  },
  "r6": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "28",
   "Subparagraph": "(a)",
   "SubTopic": "10",
   "Topic": "230",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-28"
  },
  "r7": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "28",
   "Subparagraph": "(b)",
   "SubTopic": "10",
   "Topic": "230",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-28"
  },
  "r8": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "5",
   "SubTopic": "10",
   "Topic": "815",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480463/815-10-45-5"
  },
  "r9": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "SubTopic": "10",
   "Topic": "360",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482099/360-10-50-1"
  },
  "r10": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "SubTopic": "10",
   "Topic": "470",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481544/470-10-50-1"
  },
  "r11": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "SubTopic": "10",
   "Topic": "825",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-1"
  },
  "r12": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "SubTopic": "405",
   "Topic": "942",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478353/942-405-50-1"
  },
  "r13": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(c)(3)",
   "SubTopic": "10",
   "Topic": "810",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-1A"
  },
  "r14": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "SubTopic": "10",
   "Topic": "505",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-2"
  },
  "r15": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "SubTopic": "10",
   "Topic": "815",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-2"
  },
  "r16": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "SubTopic": "10",
   "Topic": "718",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r17": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(e)",
   "SubTopic": "10",
   "Topic": "718",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r18": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2A",
   "Subparagraph": "(a)",
   "SubTopic": "10",
   "Topic": "718",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2A"
  },
  "r19": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "SubTopic": "20",
   "Topic": "210",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483466/210-20-50-3"
  },
  "r20": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "SubTopic": "10",
   "Topic": "860",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481268/860-10-50-4"
  },
  "r21": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4D",
   "Subparagraph": "(c)(2)",
   "SubTopic": "20",
   "Topic": "860",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4D"
  },
  "r22": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Subparagraph": "(a)",
   "Paragraph": "4",
   "SubTopic": "20",
   "Topic": "860",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4"
  },
  "r23": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "13",
   "SubTopic": "20",
   "Topic": "210",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483444/210-20-55-13"
  },
  "r24": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "15",
   "SubTopic": "10",
   "Topic": "220",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482739/220-10-55-15"
  },
  "r25": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "8",
   "SubTopic": "20",
   "Topic": "210",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483444/210-20-55-8"
  },
  "r26": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(22))",
   "SubTopic": "10",
   "Topic": "210",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r27": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "220",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "14",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-14"
  },
  "r28": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "220",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "14A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-14A"
  },
  "r29": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "12",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-12"
  },
  "r30": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "13",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-13"
  },
  "r31": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "13",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-13"
  },
  "r32": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "15",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-15"
  },
  "r33": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-4"
  },
  "r34": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482913/230-10-50-1"
  },
  "r35": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482913/230-10-50-2"
  },
  "r36": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "260",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482662/260-10-50-1"
  },
  "r37": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "275",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-4"
  },
  "r38": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "275",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-8"
  },
  "r39": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "275",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "9",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-9"
  },
  "r40": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "280",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "22",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22"
  },
  "r41": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "280",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "25",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-25"
  },
  "r42": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "280",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "30",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-30"
  },
  "r43": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/310/tableOfContent"
  },
  "r44": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "320",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/320/tableOfContent"
  },
  "r45": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "360",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482099/360-10-50-1"
  },
  "r46": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "360",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482099/360-10-50-1"
  },
  "r47": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "470",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481544/470-10-50-5"
  },
  "r48": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "470",
   "SubTopic": "50",
   "Section": "40",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481303/470-50-40-2"
  },
  "r49": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "470",
   "SubTopic": "50",
   "Section": "40",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481303/470-50-40-4"
  },
  "r50": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481142/505-10-45-2"
  },
  "r51": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-10"
  },
  "r52": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-3"
  },
  "r53": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-4"
  },
  "r54": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-5"
  },
  "r55": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-8"
  },
  "r56": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "30",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481549/505-30-45-1"
  },
  "r57": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "30",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481520/505-30-50-2"
  },
  "r58": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "30",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481520/505-30-50-3"
  },
  "r59": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "30",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481520/505-30-50-4"
  },
  "r60": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "718",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r61": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "718",
   "SubTopic": "20",
   "Section": "55",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481089/718-20-55-12"
  },
  "r62": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "718",
   "SubTopic": "20",
   "Section": "55",
   "Paragraph": "13",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481089/718-20-55-13"
  },
  "r63": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "10",
   "Section": "25",
   "Paragraph": "23",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479405/805-10-25-23"
  },
  "r64": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479328/805-10-50-2"
  },
  "r65": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479328/805-10-50-3"
  },
  "r66": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "20",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479907/805-20-50-1"
  },
  "r67": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "20",
   "Section": "55",
   "Paragraph": "14",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479876/805-20-55-14"
  },
  "r68": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "20",
   "Section": "55",
   "Paragraph": "20",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479876/805-20-55-20"
  },
  "r69": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "15",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481231/810-10-45-15"
  },
  "r70": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "16",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481231/810-10-45-16"
  },
  "r71": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-1"
  },
  "r72": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-3"
  },
  "r73": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-4"
  },
  "r74": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "5A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-5A"
  },
  "r75": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-6"
  },
  "r76": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "9",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-9"
  },
  "r77": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "55",
   "Paragraph": "4I",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481175/810-10-55-4I"
  },
  "r78": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "55",
   "Paragraph": "4K",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481175/810-10-55-4K"
  },
  "r79": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-1"
  },
  "r80": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-1A"
  },
  "r81": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-1A"
  },
  "r82": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-1B"
  },
  "r83": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-2"
  },
  "r84": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-2"
  },
  "r85": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4"
  },
  "r86": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4A"
  },
  "r87": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4A"
  },
  "r88": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4B"
  },
  "r89": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4C",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4C"
  },
  "r90": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4C",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4C"
  },
  "r91": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4D",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4D"
  },
  "r92": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4F",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4F"
  },
  "r93": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-5"
  },
  "r94": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-7"
  },
  "r95": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-8"
  },
  "r96": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "8",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-8"
  },
  "r97": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "8",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-8"
  },
  "r98": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "55",
   "Paragraph": "182",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480401/815-10-55-182"
  },
  "r99": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "25",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480238/815-25-50-1"
  },
  "r100": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "30",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480870/815-30-50-1"
  },
  "r101": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "825",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-11"
  },
  "r102": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "825",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-12"
  },
  "r103": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "942",
   "SubTopic": "470",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477734/942-470-50-3"
  },
  "r104": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "205",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/205/tableOfContent"
  },
  "r105": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(19)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r106": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(19)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r107": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(19))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r108": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(20))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r109": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(21))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r110": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(22)(a)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r111": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(22)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r112": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(23))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r113": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(24))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r114": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(25))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r115": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(26)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r116": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(26)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r117": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(26))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r118": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(28))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r119": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(29))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r120": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r121": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(30)(a)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r122": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(30)(a)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r123": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(30))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r124": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(31))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r125": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(32))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r126": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r127": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483466/210-20-50-3"
  },
  "r128": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483444/210-20-55-7"
  },
  "r129": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-11"
  },
  "r130": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(1)(e))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2"
  },
  "r131": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(10))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2"
  },
  "r132": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(20))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2"
  },
  "r133": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2"
  },
  "r134": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(6))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2"
  },
  "r135": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(8))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2"
  },
  "r136": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "15",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-15"
  },
  "r137": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "15",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-15"
  },
  "r138": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "24",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-24"
  },
  "r139": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "25",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-25"
  },
  "r140": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "25",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-25"
  },
  "r141": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "28",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-28"
  },
  "r142": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "235",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/235/tableOfContent"
  },
  "r143": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "275",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/275/tableOfContent"
  },
  "r144": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "360",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/360/tableOfContent"
  },
  "r145": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "360",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482099/360-10-50-1"
  },
  "r146": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "440",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/440/tableOfContent"
  },
  "r147": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "470",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/470/tableOfContent"
  },
  "r148": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "480",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(02)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480244/480-10-S99-1"
  },
  "r149": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "505",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/505/tableOfContent"
  },
  "r150": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-6"
  },
  "r151": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-7"
  },
  "r152": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.3-04)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480008/505-10-S99-1"
  },
  "r153": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "710",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/710/tableOfContent"
  },
  "r154": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "712",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/712/tableOfContent"
  },
  "r155": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "715",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/715/tableOfContent"
  },
  "r156": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "718",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/718/tableOfContent"
  },
  "r157": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r158": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r159": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r160": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r161": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "718",
   "SubTopic": "10",
   "Subparagraph": "(e)(1)",
   "Name": "Accounting Standards Codification",
   "Paragraph": "2",
   "Section": "50",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r162": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "718",
   "SubTopic": "10",
   "Subparagraph": "(f)(2)",
   "Name": "Accounting Standards Codification",
   "Paragraph": "2",
   "Section": "50",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r163": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "805",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "05",
   "Paragraph": "4",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479515/805-10-05-4"
  },
  "r164": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "805",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "05",
   "Paragraph": "4",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479515/805-10-05-4"
  },
  "r165": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "805",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "05",
   "Paragraph": "4",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479515/805-10-05-4"
  },
  "r166": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "805",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "05",
   "Paragraph": "4",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479515/805-10-05-4"
  },
  "r167": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "805",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "38",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479876/805-20-55-38"
  },
  "r168": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "810",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/810/tableOfContent"
  },
  "r169": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "19",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481231/810-10-45-19"
  },
  "r170": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "815",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/815/tableOfContent"
  },
  "r171": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4B"
  },
  "r172": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4B",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4B"
  },
  "r173": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4B",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4B"
  },
  "r174": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4F",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4F"
  },
  "r175": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "815",
   "SubTopic": "25",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480238/815-25-50-1"
  },
  "r176": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "860",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "15",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481413/860-10-15-4"
  },
  "r177": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r178": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481420/860-30-50-1A"
  },
  "r179": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r180": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(10))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r181": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(11))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r182": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(12))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r183": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(13))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r184": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(15)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r185": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(15)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r186": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(15))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r187": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(16))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r188": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(17))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r189": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(23))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r190": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r191": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r192": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(12))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r193": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(13)(h))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r194": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(13))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r195": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(14))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r196": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(15))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r197": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r198": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(22))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r199": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r200": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r201": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r202": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(6))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r203": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r204": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(8))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r205": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "230",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479024/942-230-45-1"
  },
  "r206": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/942-320/tableOfContent"
  },
  "r207": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "470",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477734/942-470-50-3"
  },
  "r208": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32"
  },
  "r209": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32"
  },
  "r210": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32"
  },
  "r211": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32"
  },
  "r212": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-11B"
  },
  "r213": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11B",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-11B"
  },
  "r214": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11B",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-11B"
  },
  "r215": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11B",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-11B"
  },
  "r216": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-15"
  },
  "r217": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-15"
  },
  "r218": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "29",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-29"
  },
  "r219": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "29",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-29"
  },
  "r220": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "33",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-33"
  },
  "r221": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "34",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-34"
  },
  "r222": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-6"
  },
  "r223": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-7"
  },
  "r224": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-7"
  },
  "r225": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-7A"
  },
  "r226": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-9"
  },
  "r227": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481598/310-20-45-1"
  },
  "r228": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "40",
   "Paragraph": "7A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481774/310-40-40-7A"
  },
  "r229": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "310",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481746/310-40-50-4"
  },
  "r230": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-6"
  },
  "r231": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-6"
  },
  "r232": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-6"
  },
  "r233": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-6"
  },
  "r234": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-7"
  },
  "r235": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "323",
   "SubTopic": "740",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478156/323-740-50-2"
  },
  "r236": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15",
   "Subparagraph": "(d)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-15"
  },
  "r237": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478156/740-323-50-2"
  },
  "r238": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478156/740-323-50-2"
  },
  "r239": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "SubTopic": "10",
   "Topic": "321",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479567/321-10-45-1"
  },
  "r240": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "SubTopic": "20",
   "Topic": "740",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482659/740-20-45-2"
  },
  "r241": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "SubTopic": "10",
   "Topic": "275",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-1"
  },
  "r242": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "SubTopic": "10",
   "Topic": "275",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-1"
  },
  "r243": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "SubTopic": "360",
   "Topic": "958",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477798/958-360-50-1"
  },
  "r244": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "SubTopic": "10",
   "Topic": "275",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-11"
  },
  "r245": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12",
   "SubTopic": "10",
   "Topic": "275",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482861/275-10-50-12"
  },
  "r246": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2A",
   "Subparagraph": "(a)",
   "SubTopic": "10",
   "Topic": "718",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2A"
  },
  "r247": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4C",
   "Subparagraph": "(c)",
   "SubTopic": "10",
   "Topic": "815",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4C"
  },
  "r248": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "SubTopic": "360",
   "Topic": "958",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477798/958-360-50-6"
  },
  "r249": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "SubTopic": "360",
   "Topic": "958",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477798/958-360-50-7"
  },
  "r250": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(b)",
   "SubTopic": "10",
   "Topic": "740",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-9"
  },
  "r251": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(h))",
   "SubTopic": "10",
   "Topic": "235",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1"
  },
  "r252": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "a",
   "Publisher": "SEC"
  },
  "r253": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "b",
   "Subparagraph": "(1)",
   "Publisher": "SEC"
  },
  "r254": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1403",
   "Paragraph": "b",
   "Publisher": "SEC"
  },
  "r255": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1404",
   "Paragraph": "a",
   "Publisher": "SEC"
  },
  "r256": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1404",
   "Paragraph": "b",
   "Publisher": "SEC"
  },
  "r257": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "a",
   "Subparagraph": "(1)",
   "Publisher": "SEC"
  },
  "r258": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "a",
   "Subparagraph": "(2)",
   "Publisher": "SEC"
  },
  "r259": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "a",
   "Subparagraph": "(4)",
   "Publisher": "SEC"
  },
  "r260": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "c",
   "Publisher": "SEC"
  },
  "r261": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "e",
   "Publisher": "SEC"
  },
  "r262": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Publisher": "SEC"
  },
  "r263": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "04",
   "Paragraph": "a",
   "Publisher": "SEC"
  },
  "r264": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "12",
   "Paragraph": "Column A",
   "Footnote": "2",
   "Publisher": "SEC"
  },
  "r265": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "12",
   "Paragraph": "Column C",
   "Footnote": "5",
   "Publisher": "SEC"
  },
  "r266": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "12A",
   "Paragraph": "Column A",
   "Footnote": "2",
   "Publisher": "SEC"
  },
  "r267": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "12A",
   "Paragraph": "Column C",
   "Footnote": "4",
   "Publisher": "SEC"
  },
  "r268": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "12B",
   "Paragraph": "Column A",
   "Subparagraph": "(a)",
   "Footnote": "4",
   "Publisher": "SEC"
  },
  "r269": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "12B",
   "Paragraph": "Column A",
   "Subparagraph": "(b)",
   "Footnote": "4",
   "Publisher": "SEC"
  },
  "r270": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "12B",
   "Paragraph": "Column C",
   "Footnote": "2",
   "Publisher": "SEC"
  },
  "r271": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "14",
   "Paragraph": "Column A",
   "Footnote": "2",
   "Publisher": "SEC"
  },
  "r272": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "14",
   "Paragraph": "Column F",
   "Footnote": "7",
   "Publisher": "SEC"
  },
  "r273": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column A",
   "Footnote": "2",
   "Publisher": "SEC"
  },
  "r274": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column B",
   "Publisher": "SEC"
  },
  "r275": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column C",
   "Publisher": "SEC"
  },
  "r276": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column D",
   "Publisher": "SEC"
  },
  "r277": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column E",
   "Footnote": "4",
   "Publisher": "SEC"
  },
  "r278": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column E",
   "Publisher": "SEC"
  },
  "r279": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column F",
   "Publisher": "SEC"
  },
  "r280": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column G",
   "Publisher": "SEC"
  },
  "r281": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column H",
   "Publisher": "SEC"
  },
  "r282": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column I",
   "Publisher": "SEC"
  },
  "r283": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "29",
   "Paragraph": "Column A",
   "Footnote": "4",
   "Publisher": "SEC"
  },
  "r284": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "5",
   "Subsection": "04",
   "Paragraph": "c",
   "Subparagraph": "Schedule I",
   "Publisher": "SEC"
  },
  "r285": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "7",
   "Subsection": "05",
   "Paragraph": "c",
   "Subparagraph": "Schedule II",
   "Publisher": "SEC"
  },
  "r286": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "9",
   "Subsection": "06",
   "Publisher": "SEC"
  },
  "r287": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Staff Accounting Bulletin (SAB)",
   "Number": "Topic 11",
   "Section": "M",
   "Paragraph": "Question 2",
   "Publisher": "SEC"
  },
  "r288": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Staff Accounting Bulletin (SAB)",
   "Number": "Topic 5",
   "Section": "Y",
   "Paragraph": "Question 2",
   "Publisher": "SEC"
  },
  "r289": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Staff Accounting Bulletin (SAB)",
   "Number": "Topic 5",
   "Section": "Y",
   "Paragraph": "Question 4",
   "Publisher": "SEC"
  },
  "r290": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "105",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-6"
  },
  "r291": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "105",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-6"
  },
  "r292": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "105",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-6"
  },
  "r293": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "105",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-6"
  },
  "r294": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "105",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-6"
  },
  "r295": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "105",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "7",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479343/105-10-65-7"
  },
  "r296": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "205",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483499/205-20-50-1"
  },
  "r297": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "205",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483499/205-20-50-7"
  },
  "r298": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r299": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(13))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r300": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(14))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r301": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(15))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r302": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(16))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r303": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(17))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r304": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(18))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r305": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r306": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(27)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r307": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(28))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r308": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(29))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r309": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(3)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r310": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(30)(a)(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r311": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483466/210-20-50-3"
  },
  "r312": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483466/210-20-50-3"
  },
  "r313": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(d)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483466/210-20-50-3"
  },
  "r314": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483466/210-20-50-4"
  },
  "r315": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483444/210-20-55-10"
  },
  "r316": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-10A"
  },
  "r317": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-10A"
  },
  "r318": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-10A"
  },
  "r319": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-11"
  },
  "r320": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-12"
  },
  "r321": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "14A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-14A"
  },
  "r322": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "15",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-15"
  },
  "r323": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-1A"
  },
  "r324": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-1A"
  },
  "r325": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1A",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-1A"
  },
  "r326": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-1B"
  },
  "r327": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1B",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482790/220-10-45-1B"
  },
  "r328": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-1"
  },
  "r329": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-4"
  },
  "r330": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-5"
  },
  "r331": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-6"
  },
  "r332": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(21))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2"
  },
  "r333": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(22))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2"
  },
  "r334": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(25))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2"
  },
  "r335": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5",
   "Subparagraph": "(SAB Topic 6.B)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-5"
  },
  "r336": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-11"
  },
  "r337": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "12",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-12"
  },
  "r338": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "17",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-17"
  },
  "r339": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "19",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-19"
  },
  "r340": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-2"
  },
  "r341": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "24",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-24"
  },
  "r342": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "25",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-25"
  },
  "r343": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482913/230-10-50-2"
  },
  "r344": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482913/230-10-50-8"
  },
  "r345": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483426/235-10-50-1"
  },
  "r346": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1"
  },
  "r347": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(e)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1"
  },
  "r348": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(g)(1)(ii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1"
  },
  "r349": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(h)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1"
  },
  "r350": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(n))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1"
  },
  "r351": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-04(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-3"
  },
  "r352": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "23",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-23"
  },
  "r353": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "24",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-24"
  },
  "r354": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "5",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-5"
  },
  "r355": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-6"
  },
  "r356": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-1"
  },
  "r357": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-1"
  },
  "r358": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-1"
  },
  "r359": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-1"
  },
  "r360": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-11"
  },
  "r361": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-11"
  },
  "r362": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-3"
  },
  "r363": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-4"
  },
  "r364": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-6"
  },
  "r365": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-7"
  },
  "r366": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-7"
  },
  "r367": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-8"
  },
  "r368": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-9"
  },
  "r369": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5",
   "Subparagraph": "(SAB Topic 11.M.Q2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480530/250-10-S99-5"
  },
  "r370": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/260/tableOfContent"
  },
  "r371": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-10"
  },
  "r372": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-11"
  },
  "r373": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "16",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-16"
  },
  "r374": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-2"
  },
  "r375": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "22",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-22"
  },
  "r376": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "23",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-23"
  },
  "r377": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "28A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-28A"
  },
  "r378": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-3"
  },
  "r379": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "40",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-40"
  },
  "r380": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "40",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-40"
  },
  "r381": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "40",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-40"
  },
  "r382": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "40",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-40"
  },
  "r383": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "60B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-60B"
  },
  "r384": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "60B",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-60B"
  },
  "r385": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "60B",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-60B"
  },
  "r386": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-7"
  },
  "r387": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482662/260-10-50-1"
  },
  "r388": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482662/260-10-50-1"
  },
  "r389": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482662/260-10-50-2"
  },
  "r390": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482662/260-10-50-3"
  },
  "r391": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "15",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482635/260-10-55-15"
  },
  "r392": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "270",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482964/270-10-50-1"
  },
  "r393": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "272",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483014/272-10-45-1"
  },
  "r394": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "272",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482987/272-10-50-1"
  },
  "r395": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "272",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482987/272-10-50-3"
  },
  "r396": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/280/tableOfContent"
  },
  "r397": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-15"
  },
  "r398": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "21",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-21"
  },
  "r399": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "21",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-21"
  },
  "r400": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22"
  },
  "r401": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22"
  },
  "r402": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22"
  },
  "r403": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22"
  },
  "r404": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22"
  },
  "r405": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22"
  },
  "r406": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22"
  },
  "r407": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Subparagraph": "(g)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22"
  },
  "r408": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22"
  },
  "r409": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Subparagraph": "(j)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22"
  },
  "r410": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "24",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-24"
  },
  "r411": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "25",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-25"
  },
  "r412": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "25",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-25"
  },
  "r413": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "26",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-26"
  },
  "r414": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "26A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-26A"
  },
  "r415": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "26B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-26B"
  },
  "r416": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "26C",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-26C"
  },
  "r417": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "30",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-30"
  },
  "r418": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "30",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-30"
  },
  "r419": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "30",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-30"
  },
  "r420": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "30",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-30"
  },
  "r421": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "31",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-31"
  },
  "r422": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32"
  },
  "r423": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Subparagraph": "(ee)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32"
  },
  "r424": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32"
  },
  "r425": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "34",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-34"
  },
  "r426": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "40",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-40"
  },
  "r427": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "41",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-41"
  },
  "r428": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "41",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-41"
  },
  "r429": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "41",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-41"
  },
  "r430": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "42",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-42"
  },
  "r431": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147476173/280-10-65-1"
  },
  "r432": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147476173/280-10-65-1"
  },
  "r433": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "13",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481990/310-10-45-13"
  },
  "r434": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481990/310-10-45-2"
  },
  "r435": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "42",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-42"
  },
  "r436": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "42",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-42"
  },
  "r437": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "42",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-42"
  },
  "r438": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "44",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-44"
  },
  "r439": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481569/310-20-50-4"
  },
  "r440": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/320/tableOfContent"
  },
  "r441": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481830/320-10-45-11"
  },
  "r442": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "10",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-10"
  },
  "r443": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2"
  },
  "r444": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2"
  },
  "r445": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(aa)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2"
  },
  "r446": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(aaa)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2"
  },
  "r447": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2"
  },
  "r448": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2"
  },
  "r449": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2"
  },
  "r450": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3"
  },
  "r451": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3"
  },
  "r452": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3"
  },
  "r453": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3"
  },
  "r454": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3"
  },
  "r455": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5"
  },
  "r456": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5"
  },
  "r457": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(aaa)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5"
  },
  "r458": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5"
  },
  "r459": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5"
  },
  "r460": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5"
  },
  "r461": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5"
  },
  "r462": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5"
  },
  "r463": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5"
  },
  "r464": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5"
  },
  "r465": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5A"
  },
  "r466": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5A"
  },
  "r467": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5A",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5A"
  },
  "r468": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5B"
  },
  "r469": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5B"
  },
  "r470": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5B"
  },
  "r471": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5B"
  },
  "r472": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5B"
  },
  "r473": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-9"
  },
  "r474": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "323",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481687/323-10-50-3"
  },
  "r475": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-1"
  },
  "r476": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "4",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4"
  },
  "r477": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "4",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4"
  },
  "r478": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "4",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4"
  },
  "r479": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "4",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4"
  },
  "r480": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "4",
   "Subparagraph": "(e)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4"
  },
  "r481": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "4",
   "Subparagraph": "(e)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-4"
  },
  "r482": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "5",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-5"
  },
  "r483": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "5",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-5"
  },
  "r484": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "5",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-5"
  },
  "r485": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "5",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479654/326-10-65-5"
  },
  "r486": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "30",
   "Paragraph": "4A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479391/326-20-30-4A"
  },
  "r487": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "30",
   "Paragraph": "5A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479391/326-20-30-5A"
  },
  "r488": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "8A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479366/326-20-35-8A"
  },
  "r489": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479344/326-20-45-2"
  },
  "r490": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479344/326-20-45-5"
  },
  "r491": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-11"
  },
  "r492": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-11"
  },
  "r493": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-13"
  },
  "r494": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-13"
  },
  "r495": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-13"
  },
  "r496": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-13"
  },
  "r497": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "14",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-14"
  },
  "r498": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "16",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-16"
  },
  "r499": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "16",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-16"
  },
  "r500": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "17",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-17"
  },
  "r501": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "21",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-21"
  },
  "r502": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-3B"
  },
  "r503": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3C",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-3C"
  },
  "r504": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3D",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-3D"
  },
  "r505": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-5"
  },
  "r506": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-5"
  },
  "r507": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-6"
  },
  "r508": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 6.M.2.Q4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483530/326-20-S99-1"
  },
  "r509": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "30",
   "Paragraph": "1B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479175/326-30-30-1B"
  },
  "r510": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "13A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479148/326-30-35-13A"
  },
  "r511": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "7A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479148/326-30-35-7A"
  },
  "r512": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479130/326-30-45-1"
  },
  "r513": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-3A"
  },
  "r514": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3C",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-3C"
  },
  "r515": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3D",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-3D"
  },
  "r516": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-4"
  },
  "r517": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-4"
  },
  "r518": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-4"
  },
  "r519": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-4"
  },
  "r520": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-5"
  },
  "r521": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-7"
  },
  "r522": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-9"
  },
  "r523": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-9"
  },
  "r524": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-9"
  },
  "r525": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480265/350-10-S45-1"
  },
  "r526": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482598/350-20-45-1"
  },
  "r527": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1"
  },
  "r528": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1"
  },
  "r529": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1"
  },
  "r530": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1"
  },
  "r531": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1"
  },
  "r532": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1"
  },
  "r533": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1"
  },
  "r534": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(g)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1"
  },
  "r535": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1"
  },
  "r536": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482686/350-30-45-1"
  },
  "r537": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482686/350-30-45-2"
  },
  "r538": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1"
  },
  "r539": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1"
  },
  "r540": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1"
  },
  "r541": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1"
  },
  "r542": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1"
  },
  "r543": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2"
  },
  "r544": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2"
  },
  "r545": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2"
  },
  "r546": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2"
  },
  "r547": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2"
  },
  "r548": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-3"
  },
  "r549": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "60",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147476166/350-60-65-1"
  },
  "r550": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "60",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147476166/350-60-65-1"
  },
  "r551": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "360",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482099/360-10-50-3"
  },
  "r552": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "360",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482099/360-10-50-3"
  },
  "r553": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "405",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477092/405-40-50-1"
  },
  "r554": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "405",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477092/405-40-50-1"
  },
  "r555": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "405",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477092/405-40-50-1"
  },
  "r556": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "405",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477092/405-40-50-1"
  },
  "r557": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "405",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477092/405-40-50-1"
  },
  "r558": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "405",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(e)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477092/405-40-50-1"
  },
  "r559": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "405",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477123/405-50-65-1"
  },
  "r560": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "420",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482017/420-10-50-1"
  },
  "r561": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "420",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482017/420-10-50-1"
  },
  "r562": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "420",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SAB Topic 5.P.4.d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479823/420-10-S99-2"
  },
  "r563": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "440",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482648/440-10-50-4"
  },
  "r564": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "440",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482648/440-10-50-4"
  },
  "r565": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "450",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483076/450-20-50-4"
  },
  "r566": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "450",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483076/450-20-50-9"
  },
  "r567": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "450",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 5.Y.Q2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480102/450-20-S99-1"
  },
  "r568": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "450",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 5.Y.Q4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480102/450-20-S99-1"
  },
  "r569": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "460",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482454/460-10-45-1"
  },
  "r570": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481544/470-10-50-6"
  },
  "r571": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481544/470-10-50-6"
  },
  "r572": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(i))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A"
  },
  "r573": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(iii)(A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A"
  },
  "r574": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(iv))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A"
  },
  "r575": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A"
  },
  "r576": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1B",
   "Subparagraph": "(SX 210.13-02(a)(4)(i))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1B"
  },
  "r577": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1B",
   "Subparagraph": "(SX 210.13-02(a)(4)(iii)(A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1B"
  },
  "r578": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1B",
   "Subparagraph": "(SX 210.13-02(a)(4)(iii)(B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1B"
  },
  "r579": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1B",
   "Subparagraph": "(SX 210.13-02(a)(4)(iv))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1B"
  },
  "r580": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1B",
   "Subparagraph": "(SX 210.13-02(a)(5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1B"
  },
  "r581": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B"
  },
  "r582": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B"
  },
  "r583": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B"
  },
  "r584": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B"
  },
  "r585": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B"
  },
  "r586": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B"
  },
  "r587": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(g)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B"
  },
  "r588": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B"
  },
  "r589": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B"
  },
  "r590": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1C",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1C"
  },
  "r591": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1C",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1C"
  },
  "r592": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1C",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1C"
  },
  "r593": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1D",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1D"
  },
  "r594": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1D",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1D"
  },
  "r595": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1D",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1D"
  },
  "r596": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1E",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1E"
  },
  "r597": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1E",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1E"
  },
  "r598": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1E",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1E"
  },
  "r599": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1E",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1E"
  },
  "r600": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1F",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1F"
  },
  "r601": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1F",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1F"
  },
  "r602": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1F",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1F"
  },
  "r603": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1F",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1F"
  },
  "r604": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1I",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1I"
  },
  "r605": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1I",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1I"
  },
  "r606": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1I",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1I"
  },
  "r607": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1I",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1I"
  },
  "r608": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-4"
  },
  "r609": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-13"
  },
  "r610": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-13"
  },
  "r611": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-13"
  },
  "r612": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-13"
  },
  "r613": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(g)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-13"
  },
  "r614": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-13"
  },
  "r615": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-13"
  },
  "r616": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "14",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-14"
  },
  "r617": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "14",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-14"
  },
  "r618": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "14",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-14"
  },
  "r619": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "16",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-16"
  },
  "r620": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "18",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-18"
  },
  "r621": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "18",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-18"
  },
  "r622": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "18",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-18"
  },
  "r623": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "18",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-18"
  },
  "r624": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-2"
  },
  "r625": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.3-04)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480008/505-10-S99-1"
  },
  "r626": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r627": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r628": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(02)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r629": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(02)(A)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r630": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(02)(B)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r631": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(02)(C)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r632": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(03)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r633": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "70",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480794/715-70-50-1"
  },
  "r634": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-5"
  },
  "r635": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-5"
  },
  "r636": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-5"
  },
  "r637": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-5"
  },
  "r638": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(e)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-5"
  },
  "r639": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(e)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-5"
  },
  "r640": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-5"
  },
  "r641": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-5"
  },
  "r642": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-5"
  },
  "r643": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/718/tableOfContent"
  },
  "r644": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "1D",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480483/718-10-35-1D"
  },
  "r645": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480483/718-10-35-2"
  },
  "r646": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480483/718-10-35-3"
  },
  "r647": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480454/718-10-45-1"
  },
  "r648": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r649": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r650": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r651": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r652": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r653": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r654": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r655": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r656": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r657": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)(02)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r658": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)(03)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r659": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)(04)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r660": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r661": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r662": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r663": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(iii)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r664": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(iii)(02)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r665": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(iii)(03)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r666": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r667": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r668": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(e)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r669": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(e)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r670": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r671": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r672": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r673": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(iv)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r674": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(v)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r675": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(h)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r676": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(h)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r677": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r678": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(l)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r679": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "720",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483359/720-20-50-1"
  },
  "r680": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/740/tableOfContent"
  },
  "r681": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482525/740-10-45-10B"
  },
  "r682": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "25",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482525/740-10-45-25"
  },
  "r683": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "28",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482525/740-10-45-28"
  },
  "r684": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-10"
  },
  "r685": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12"
  },
  "r686": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12A"
  },
  "r687": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12A",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12A"
  },
  "r688": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12A",
   "Subparagraph": "(a)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12A"
  },
  "r689": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12A",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12A"
  },
  "r690": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12B"
  },
  "r691": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12C",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12C"
  },
  "r692": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "14",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-14"
  },
  "r693": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-15A"
  },
  "r694": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15A",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-15A"
  },
  "r695": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15A",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-15A"
  },
  "r696": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15A",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-15A"
  },
  "r697": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15A",
   "Subparagraph": "(a)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-15A"
  },
  "r698": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-15A"
  },
  "r699": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "17",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-17"
  },
  "r700": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "19",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-19"
  },
  "r701": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-2"
  },
  "r702": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-2"
  },
  "r703": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "20",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-20"
  },
  "r704": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "21",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-21"
  },
  "r705": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-9"
  },
  "r706": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-9"
  },
  "r707": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "8",
   "Subparagraph": "(d)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482615/740-10-65-8"
  },
  "r708": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "8",
   "Subparagraph": "(d)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482615/740-10-65-8"
  },
  "r709": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "9",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482615/740-10-65-9"
  },
  "r710": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "9",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482615/740-10-65-9"
  },
  "r711": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "9",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482615/740-10-65-9"
  },
  "r712": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 6.I.1.Q1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479360/740-10-S99-1"
  },
  "r713": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 6.I.5.Q1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479360/740-10-S99-1"
  },
  "r714": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 6.I.7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479360/740-10-S99-1"
  },
  "r715": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SAB Topic 11.C)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479360/740-10-S99-2"
  },
  "r716": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482659/740-20-45-11"
  },
  "r717": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482659/740-20-45-2"
  },
  "r718": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "270",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477891/740-270-50-1"
  },
  "r719": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482603/740-30-50-2"
  },
  "r720": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478156/740-323-50-1A"
  },
  "r721": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478156/740-323-50-1A"
  },
  "r722": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478156/740-323-50-1A"
  },
  "r723": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2"
  },
  "r724": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2"
  },
  "r725": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2"
  },
  "r726": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(d)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2"
  },
  "r727": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(d)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2"
  },
  "r728": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2"
  },
  "r729": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2"
  },
  "r730": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2"
  },
  "r731": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478666/740-323-65-2"
  },
  "r732": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479907/805-20-50-5"
  },
  "r733": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479845/805-20-65-3"
  },
  "r734": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479845/805-20-65-3"
  },
  "r735": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "3",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479845/805-20-65-3"
  },
  "r736": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "60",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147476176/805-60-65-1"
  },
  "r737": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "60",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147476176/805-60-65-1"
  },
  "r738": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "60",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147476176/805-60-65-1"
  },
  "r739": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "60",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(d)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147476176/805-60-65-1"
  },
  "r740": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "60",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(g)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147476176/805-60-65-1"
  },
  "r741": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "19",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481231/810-10-45-19"
  },
  "r742": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "25",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481231/810-10-45-25"
  },
  "r743": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "25",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481231/810-10-45-25"
  },
  "r744": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-1A"
  },
  "r745": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-1A"
  },
  "r746": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-1A"
  },
  "r747": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(bb)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-3"
  },
  "r748": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481203/810-10-50-3"
  },
  "r749": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4A"
  },
  "r750": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4A",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4A"
  },
  "r751": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4C",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4C"
  },
  "r752": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4E",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4E"
  },
  "r753": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4EE",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4EE"
  },
  "r754": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4EE",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4EE"
  },
  "r755": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5C",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-5C"
  },
  "r756": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480627/815-20-45-3"
  },
  "r757": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6"
  },
  "r758": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6"
  },
  "r759": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6"
  },
  "r760": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6"
  },
  "r761": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6"
  },
  "r762": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(h)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6"
  },
  "r763": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(h)(1)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6"
  },
  "r764": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(h)(1)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6"
  },
  "r765": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(h)(1)(iv)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6"
  },
  "r766": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(i)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6"
  },
  "r767": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(i)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480528/815-20-65-6"
  },
  "r768": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480237/815-40-50-5"
  },
  "r769": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480237/815-40-50-6"
  },
  "r770": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1"
  },
  "r771": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1"
  },
  "r772": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1"
  },
  "r773": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1"
  },
  "r774": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1"
  },
  "r775": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1"
  },
  "r776": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1"
  },
  "r777": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(e)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1"
  },
  "r778": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(e)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1"
  },
  "r779": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(e)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1"
  },
  "r780": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1"
  },
  "r781": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "54B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482134/820-10-35-54B"
  },
  "r782": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r783": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r784": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(bbb)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r785": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(bbb)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r786": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(bbb)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r787": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r788": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r789": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r790": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r791": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r792": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r793": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(g)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r794": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r795": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2E",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2E"
  },
  "r796": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-3"
  },
  "r797": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-3"
  },
  "r798": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6A"
  },
  "r799": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6A",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6A"
  },
  "r800": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6A",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6A"
  },
  "r801": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6A",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6A"
  },
  "r802": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6A",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6A"
  },
  "r803": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6B"
  },
  "r804": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6B",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6B"
  },
  "r805": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6B",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6B"
  },
  "r806": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "13",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482477/820-10-65-13"
  },
  "r807": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "13",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482477/820-10-65-13"
  },
  "r808": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482736/825-10-45-2"
  },
  "r809": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-10"
  },
  "r810": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "28",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-28"
  },
  "r811": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "17",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-17"
  },
  "r812": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "20",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-20"
  },
  "r813": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "20",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-20"
  },
  "r814": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "20",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-20"
  },
  "r815": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "20",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-20"
  },
  "r816": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "20",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-20"
  },
  "r817": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481674/830-30-50-1"
  },
  "r818": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481674/830-30-50-2"
  },
  "r819": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "835",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483013/835-20-50-1"
  },
  "r820": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "835",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483013/835-20-50-1"
  },
  "r821": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "835",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482925/835-30-45-2"
  },
  "r822": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "835",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482900/835-30-50-1"
  },
  "r823": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "5",
   "Subparagraph": "(d)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479832/842-10-65-5"
  },
  "r824": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "8",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479832/842-10-65-8"
  },
  "r825": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "8",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479832/842-10-65-8"
  },
  "r826": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "12A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479165/842-20-35-12A"
  },
  "r827": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478964/842-20-50-7A"
  },
  "r828": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "848",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-1"
  },
  "r829": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "848",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-2"
  },
  "r830": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "848",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-2"
  },
  "r831": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "848",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-2"
  },
  "r832": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "848",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(a)(3)(iii)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-2"
  },
  "r833": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "848",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(a)(3)(iii)(03)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483550/848-10-65-2"
  },
  "r834": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "852",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "14",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481435/852-10-45-14"
  },
  "r835": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "855",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/855/tableOfContent"
  },
  "r836": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "855",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483399/855-10-50-2"
  },
  "r837": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "855",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483399/855-10-50-2"
  },
  "r838": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r839": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)(2)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r840": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r841": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(bb)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r842": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(bb)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r843": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(bb)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r844": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r845": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r846": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r847": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4"
  },
  "r848": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4"
  },
  "r849": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4"
  },
  "r850": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4"
  },
  "r851": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-5"
  },
  "r852": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481444/860-30-45-1"
  },
  "r853": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481420/860-30-50-7"
  },
  "r854": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481420/860-30-50-7"
  },
  "r855": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-3"
  },
  "r856": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-3"
  },
  "r857": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-3"
  },
  "r858": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(4)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-3"
  },
  "r859": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4"
  },
  "r860": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4"
  },
  "r861": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4"
  },
  "r862": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4"
  },
  "r863": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4"
  },
  "r864": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4"
  },
  "r865": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4"
  },
  "r866": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4"
  },
  "r867": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(e)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4"
  },
  "r868": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(e)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4"
  },
  "r869": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(e)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481229/860-50-50-4"
  },
  "r870": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "910",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482546/910-10-50-6"
  },
  "r871": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "924",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 11.L)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479941/924-10-S99-1"
  },
  "r872": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "926",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483154/926-20-50-5"
  },
  "r873": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "926",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483194/926-20-65-2"
  },
  "r874": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "926",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483194/926-20-65-2"
  },
  "r875": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "926",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483194/926-20-65-2"
  },
  "r876": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "928",
   "SubTopic": "340",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478859/928-340-50-1"
  },
  "r877": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478934/932-220-50-1"
  },
  "r878": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "18",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-18"
  },
  "r879": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "18",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-18"
  },
  "r880": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "18",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-18"
  },
  "r881": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "19",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-19"
  },
  "r882": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "23",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-23"
  },
  "r883": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "23",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-23"
  },
  "r884": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "23",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-23"
  },
  "r885": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "23",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-23"
  },
  "r886": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "23",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-23"
  },
  "r887": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "23",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-23"
  },
  "r888": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "31",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-31"
  },
  "r889": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "31",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-31"
  },
  "r890": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "31",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-31"
  },
  "r891": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "31",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-31"
  },
  "r892": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "31",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-31"
  },
  "r893": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "31",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-31"
  },
  "r894": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-5"
  },
  "r895": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-5"
  },
  "r896": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-5"
  },
  "r897": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-5"
  },
  "r898": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-5"
  },
  "r899": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-5"
  },
  "r900": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-6"
  },
  "r901": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-7"
  },
  "r902": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-8"
  },
  "r903": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-8"
  },
  "r904": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-8"
  },
  "r905": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "280",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478657/932-280-50-1"
  },
  "r906": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478988/932-323-50-1"
  },
  "r907": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "940",
   "SubTopic": "820",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478119/940-820-50-1"
  },
  "r908": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "940",
   "SubTopic": "820",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478119/940-820-50-1"
  },
  "r909": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "940",
   "SubTopic": "820",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478119/940-820-50-1"
  },
  "r910": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(10)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r911": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(6))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478546/942-210-S99-1"
  },
  "r912": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(10))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r913": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(23))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r914": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(24))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r915": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(27))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r916": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(9))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478524/942-220-S99-1"
  },
  "r917": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-05(b)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477314/942-235-S99-1"
  },
  "r918": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478451/942-360-50-1"
  },
  "r919": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1"
  },
  "r920": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1"
  },
  "r921": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1"
  },
  "r922": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1"
  },
  "r923": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1"
  },
  "r924": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1"
  },
  "r925": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1A"
  },
  "r926": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1B"
  },
  "r927": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1D",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1D"
  },
  "r928": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1F",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1F"
  },
  "r929": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(1)(6))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r930": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(1)(h))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r931": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r932": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(10))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r933": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(12))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r934": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(15))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r935": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(19))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r936": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r937": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(21))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r938": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(22))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r939": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(23)(a)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r940": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(23)(a)(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r941": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(25))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r942": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(3)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r943": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(8)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r944": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(8))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r945": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(11))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1"
  },
  "r946": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(16))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1"
  },
  "r947": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(18))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1"
  },
  "r948": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(19))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1"
  },
  "r949": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(2)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1"
  },
  "r950": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(20))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1"
  },
  "r951": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(23))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1"
  },
  "r952": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(3)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1"
  },
  "r953": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(9))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477250/944-220-S99-1"
  },
  "r954": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-16(Column A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477965/944-235-S99-1"
  },
  "r955": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-16(Column B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477965/944-235-S99-1"
  },
  "r956": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-16(Column C))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477965/944-235-S99-1"
  },
  "r957": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-16(Column D))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477965/944-235-S99-1"
  },
  "r958": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-16(Column E))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477965/944-235-S99-1"
  },
  "r959": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-16(Column F))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477965/944-235-S99-1"
  },
  "r960": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-16(Column G))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477965/944-235-S99-1"
  },
  "r961": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-16(Column H))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477965/944-235-S99-1"
  },
  "r962": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-16(Column I))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477965/944-235-S99-1"
  },
  "r963": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-16(Column J))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477965/944-235-S99-1"
  },
  "r964": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-16(Column K))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477965/944-235-S99-1"
  },
  "r965": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-5"
  },
  "r966": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-5"
  },
  "r967": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7A",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-7A"
  },
  "r968": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(a)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-9"
  },
  "r969": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2"
  },
  "r970": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2"
  },
  "r971": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2"
  },
  "r972": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(f)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2"
  },
  "r973": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2"
  },
  "r974": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2"
  },
  "r975": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2"
  },
  "r976": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(2)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2"
  },
  "r977": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(2)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2"
  },
  "r978": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(2)(iv)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2"
  },
  "r979": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(h)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2"
  },
  "r980": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(h)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480016/944-40-65-2"
  },
  "r981": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 5.W.Q2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479583/944-40-S99-1"
  },
  "r982": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480424/946-10-50-1"
  },
  "r983": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480424/946-10-50-2"
  },
  "r984": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(d))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3"
  },
  "r985": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(f)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3"
  },
  "r986": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(f)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3"
  },
  "r987": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(f)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3"
  },
  "r988": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(h)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3"
  },
  "r989": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(i)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3"
  },
  "r990": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(i)(2)(i))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3"
  },
  "r991": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(i)(2)(ii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3"
  },
  "r992": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(i)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479886/946-10-S99-3"
  },
  "r993": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480990/946-20-50-11"
  },
  "r994": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480990/946-20-50-13"
  },
  "r995": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478009/946-205-45-3"
  },
  "r996": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478009/946-205-45-3"
  },
  "r997": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "4",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478009/946-205-45-4"
  },
  "r998": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478494/946-205-50-2"
  },
  "r999": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "27",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478494/946-205-50-27"
  },
  "r1000": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478494/946-205-50-7"
  },
  "r1001": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478494/946-205-50-7"
  },
  "r1002": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478494/946-205-50-7"
  },
  "r1003": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478494/946-205-50-7"
  },
  "r1004": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478494/946-205-50-7"
  },
  "r1005": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478494/946-205-50-7"
  },
  "r1006": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(g)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478494/946-205-50-7"
  },
  "r1007": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478494/946-205-50-7"
  },
  "r1008": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477796/946-210-45-4"
  },
  "r1009": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-1"
  },
  "r1010": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-1"
  },
  "r1011": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-1"
  },
  "r1012": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-1"
  },
  "r1013": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-1"
  },
  "r1014": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-12"
  },
  "r1015": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-2"
  },
  "r1016": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6"
  },
  "r1017": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6"
  },
  "r1018": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6"
  },
  "r1019": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6"
  },
  "r1020": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6"
  },
  "r1021": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6"
  },
  "r1022": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1023": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(12)(b)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1024": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(12)(b)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1025": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(12)(b)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1026": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(13)(a)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1027": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(13)(a)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1028": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(14))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1029": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(15))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1030": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(16)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1031": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(17))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1032": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(19))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1033": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(2)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1034": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(2)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1035": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(3)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1036": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(3)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1037": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(3)(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1038": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(6)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1039": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(6)(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1040": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(6)(d))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1041": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(6)(e))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1042": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(8))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1043": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(9)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1044": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(9)(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1045": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(9)(d))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1046": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(9)(e))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1047": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.6-05(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-2"
  },
  "r1048": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.6-05(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-2"
  },
  "r1049": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479105/946-220-45-3"
  },
  "r1050": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479105/946-220-45-7"
  },
  "r1051": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478297/946-220-50-3"
  },
  "r1052": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1053": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(2)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1054": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(2)(g)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1055": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(a)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1056": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(a)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1057": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(a)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1058": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(a)(5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1059": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(a)(6))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1060": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(a)(7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1061": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(c)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1062": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(c)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1063": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(c)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1064": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(c)(5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1065": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(c)(6))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1066": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(c)(7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1067": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(9))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1068": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-09(1)(d))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-3"
  },
  "r1069": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-09(4)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-3"
  },
  "r1070": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-09(6))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-3"
  },
  "r1071": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-09(7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-3"
  },
  "r1072": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477968/946-235-50-2"
  },
  "r1073": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477968/946-235-50-2"
  },
  "r1074": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A)(Footnote 1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-1"
  },
  "r1075": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-1"
  },
  "r1076": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A)(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-1"
  },
  "r1077": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C)(Footnote 5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-1"
  },
  "r1078": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "12",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-12"
  },
  "r1079": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "19",
   "Subparagraph": "(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-19"
  },
  "r1080": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.12-12A(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-2"
  },
  "r1081": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.12-12A(Column A)(Footnote 3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-2"
  },
  "r1082": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.12-12A(Column C)(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-2"
  },
  "r1083": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-3"
  },
  "r1084": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 4)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-3"
  },
  "r1085": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 4)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-3"
  },
  "r1086": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-3"
  },
  "r1087": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-3"
  },
  "r1088": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5",
   "Subparagraph": "(SX 210.12-13(Column A)(Footnote 3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5"
  },
  "r1089": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5",
   "Subparagraph": "(SX 210.12-13(Column G)(Footnote 8))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5"
  },
  "r1090": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5",
   "Subparagraph": "(SX 210.12-13(Column G))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5"
  },
  "r1091": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5A",
   "Subparagraph": "(SX 210.12-13A(Column E))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5A"
  },
  "r1092": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5A",
   "Subparagraph": "(SX 210.12-13A(Column F))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5A"
  },
  "r1093": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5B",
   "Subparagraph": "(SX 210.12-13B(Column E)(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5B"
  },
  "r1094": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5B",
   "Subparagraph": "(SX 210.12-13B(Column E))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5B"
  },
  "r1095": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5C",
   "Subparagraph": "(SX 210.12-13C(Column F))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5C"
  },
  "r1096": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5C",
   "Subparagraph": "(SX 210.12-13C(Column H)(Footnote 7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5C"
  },
  "r1097": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5C",
   "Subparagraph": "(SX 210.12-13C(Column H))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5C"
  },
  "r1098": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5D",
   "Subparagraph": "(SX 210.12-13D(Column A)(Footnote 2)(i))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5D"
  },
  "r1099": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-6"
  },
  "r1100": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-6"
  },
  "r1101": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column F)(Footnote 7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-6"
  },
  "r1102": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-7"
  },
  "r1103": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-7"
  },
  "r1104": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column C))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-7"
  },
  "r1105": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column D))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-7"
  },
  "r1106": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478448/946-505-50-1"
  },
  "r1107": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478448/946-505-50-2"
  },
  "r1108": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478448/946-505-50-2"
  },
  "r1109": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478448/946-505-50-2"
  },
  "r1110": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478448/946-505-50-2"
  },
  "r1111": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478448/946-505-50-3"
  },
  "r1112": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478448/946-505-50-6"
  },
  "r1113": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "948",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477011/948-310-45-2"
  },
  "r1114": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "948",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-29(Column A)(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479628/948-310-S99-1"
  },
  "r1115": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "954",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477220/954-210-45-4"
  },
  "r1116": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "954",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478600/954-210-50-2"
  },
  "r1117": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "954",
   "SubTopic": "440",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478522/954-440-50-1"
  },
  "r1118": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478979/970-360-S99-1"
  },
  "r1119": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478979/970-360-S99-1"
  },
  "r1120": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column C))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478979/970-360-S99-1"
  },
  "r1121": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column D))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478979/970-360-S99-1"
  },
  "r1122": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column E)(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478979/970-360-S99-1"
  },
  "r1123": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column E))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478979/970-360-S99-1"
  },
  "r1124": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column F))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478979/970-360-S99-1"
  },
  "r1125": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column G))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478979/970-360-S99-1"
  },
  "r1126": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column H))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478979/970-360-S99-1"
  },
  "r1127": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column I))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478979/970-360-S99-1"
  },
  "r1128": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "976",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477332/976-310-50-1"
  },
  "r1129": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "978",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479230/978-310-50-1"
  },
  "r1130": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "985",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481283/985-20-50-2"
  },
  "r1131": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4D",
   "Subparagraph": "(a)(1)",
   "SubTopic": "10",
   "Topic": "815",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4D"
  },
  "r1132": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "13H",
   "Subparagraph": "(b)",
   "SubTopic": "40",
   "Topic": "944",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480046/944-40-55-13H"
  },
  "r1133": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483467/210-10-45-1"
  },
  "r1134": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483467/210-10-45-1"
  },
  "r1135": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "20",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483444/210-20-55-20"
  },
  "r1136": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "22",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483444/210-20-55-22"
  },
  "r1137": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "15",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482739/220-10-55-15"
  },
  "r1138": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483426/235-10-50-4"
  },
  "r1139": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "52",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482635/260-10-55-52"
  },
  "r1140": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "30",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-30"
  },
  "r1141": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "31",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-31"
  },
  "r1142": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "47",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-47"
  },
  "r1143": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "47",
   "Subparagraph": "(bb)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-47"
  },
  "r1144": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "47",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-47"
  },
  "r1145": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "47",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-47"
  },
  "r1146": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "48",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-48"
  },
  "r1147": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "49",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-49"
  },
  "r1148": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "54",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-54"
  },
  "r1149": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "54",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-54"
  },
  "r1150": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "54",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482785/280-10-55-54"
  },
  "r1151": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "12A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481933/310-10-55-12A"
  },
  "r1152": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-10"
  },
  "r1153": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-11"
  },
  "r1154": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "12",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-12"
  },
  "r1155": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "12",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-12"
  },
  "r1156": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "15",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-15"
  },
  "r1157": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "79",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-79"
  },
  "r1158": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "80",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479294/326-20-55-80"
  },
  "r1159": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479081/326-30-55-8"
  },
  "r1160": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "24",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482548/350-20-55-24"
  },
  "r1161": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "40",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482640/350-30-55-40"
  },
  "r1162": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B"
  },
  "r1163": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "69B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481568/470-20-55-69B"
  },
  "r1164": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "69C",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481568/470-20-55-69C"
  },
  "r1165": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "69E",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481568/470-20-55-69E"
  },
  "r1166": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "69F",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481568/470-20-55-69F"
  },
  "r1167": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-13"
  },
  "r1168": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "606",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "91",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479777/606-10-55-91"
  },
  "r1169": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1170": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1171": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "17",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480482/715-20-55-17"
  },
  "r1172": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-11"
  },
  "r1173": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480576/715-80-50-6"
  },
  "r1174": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480547/715-80-55-8"
  },
  "r1175": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1176": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1177": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1178": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "217",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482663/740-10-55-217"
  },
  "r1179": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "231",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482663/740-10-55-231"
  },
  "r1180": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "4J",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481175/810-10-55-4J"
  },
  "r1181": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "4K",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481175/810-10-55-4K"
  },
  "r1182": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4F",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4F"
  },
  "r1183": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "181",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480401/815-10-55-181"
  },
  "r1184": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "100",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-100"
  },
  "r1185": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "100",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-100"
  },
  "r1186": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "101",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-101"
  },
  "r1187": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "102",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-102"
  },
  "r1188": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "103",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-103"
  },
  "r1189": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "107",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-107"
  },
  "r1190": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "107",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-107"
  },
  "r1191": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "107",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-107"
  },
  "r1192": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "107",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-107"
  },
  "r1193": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "107",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-107"
  },
  "r1194": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "107",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482078/820-10-55-107"
  },
  "r1195": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "835",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482949/835-30-55-8"
  },
  "r1196": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "852",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481372/852-10-55-10"
  },
  "r1197": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481395/860-30-55-4"
  },
  "r1198": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "17",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-17"
  },
  "r1199": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "21",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-21"
  },
  "r1200": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "29",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-29"
  },
  "r1201": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477215/932-235-50-3"
  },
  "r1202": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477916/932-235-55-2"
  },
  "r1203": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477916/932-235-55-4"
  },
  "r1204": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477916/932-235-55-5"
  },
  "r1205": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477916/932-235-55-6"
  },
  "r1206": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "29F",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480046/944-40-55-29F"
  },
  "r1207": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "9C",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480046/944-40-55-9C"
  },
  "r1208": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "9C",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480046/944-40-55-9C"
  },
  "r1209": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "944",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "14",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480078/944-80-55-14"
  },
  "r1210": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "944",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "9",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480078/944-80-55-9"
  },
  "r1211": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-1"
  },
  "r1212": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6"
  },
  "r1213": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477439/946-210-55-1"
  },
  "r1214": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477802/946-310-45-1"
  },
  "r1215": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A)(Footnote 2)(i))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-1"
  },
  "r1216": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.12-12A(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-2"
  },
  "r1217": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 1)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-3"
  },
  "r1218": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5C",
   "Subparagraph": "(SX 210.12-13C(Column A)(Footnote 1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5C"
  },
  "r1219": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5C",
   "Subparagraph": "(SX 210.12-13C(Column B)(Footnote 1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-5C"
  },
  "r1220": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-6"
  },
  "r1221": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-7"
  },
  "r1222": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column C))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-7"
  },
  "r1223": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column D))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-7"
  },
  "r1224": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "830",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479168/946-830-55-10"
  },
  "r1225": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "830",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479168/946-830-55-11"
  },
  "r1226": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "830",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479168/946-830-55-12"
  },
  "r1227": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b"
  },
  "r1228": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r1229": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-23"
  },
  "r1230": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r1231": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 10-K",
   "Number": "249",
   "Section": "310"
  },
  "r1232": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Number": "249",
   "Section": "220",
   "Subsection": "f"
  },
  "r1233": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16",
   "Subsection": "J",
   "Paragraph": "a"
  },
  "r1234": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16K"
  },
  "r1235": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16K",
   "Subsection": "b",
   "Paragraph": "1"
  },
  "r1236": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16K",
   "Subsection": "b",
   "Paragraph": "1",
   "Subparagraph": "i"
  },
  "r1237": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16K",
   "Subsection": "b",
   "Paragraph": "1",
   "Subparagraph": "ii"
  },
  "r1238": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16K",
   "Subsection": "b",
   "Paragraph": "1",
   "Subparagraph": "iii"
  },
  "r1239": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16K",
   "Subsection": "b",
   "Paragraph": "2"
  },
  "r1240": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16K",
   "Subsection": "c",
   "Paragraph": "1"
  },
  "r1241": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16K",
   "Subsection": "c",
   "Paragraph": "2"
  },
  "r1242": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16K",
   "Subsection": "c",
   "Paragraph": "2",
   "Subparagraph": "i"
  },
  "r1243": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16K",
   "Subsection": "c",
   "Paragraph": "2",
   "Subparagraph": "ii"
  },
  "r1244": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16K",
   "Subsection": "c",
   "Paragraph": "2",
   "Subparagraph": "iii"
  },
  "r1245": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1"
  },
  "r1246": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "i"
  },
  "r1247": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "A"
  },
  "r1248": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "B"
  },
  "r1249": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "C"
  },
  "r1250": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "D"
  },
  "r1251": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "E"
  },
  "r1252": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "ii"
  },
  "r1253": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "iii"
  },
  "r1254": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "2"
  },
  "r1255": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Number": "249",
   "Section": "240",
   "Subsection": "f"
  },
  "r1256": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a"
  },
  "r1257": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "1"
  },
  "r1258": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "i"
  },
  "r1259": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "ii"
  },
  "r1260": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "iii"
  },
  "r1261": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "iv"
  },
  "r1262": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "v"
  },
  "r1263": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "2"
  },
  "r1264": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "3"
  },
  "r1265": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "b"
  },
  "r1266": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a"
  },
  "r1267": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "1"
  },
  "r1268": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "i"
  },
  "r1269": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "ii"
  },
  "r1270": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "iii"
  },
  "r1271": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "iv"
  },
  "r1272": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "v"
  },
  "r1273": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "2"
  },
  "r1274": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "3"
  },
  "r1275": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "b"
  },
  "r1276": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Forms 10-K, 10-Q, 20-F",
   "Number": "240",
   "Section": "13",
   "Subsection": "a-1"
  },
  "r1277": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v"
  },
  "r1278": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "1"
  },
  "r1279": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "ii"
  },
  "r1280": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii"
  },
  "r1281": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii",
   "Sentence": "B",
   "Clause": "1",
   "Subclause": "ii"
  },
  "r1282": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii",
   "Sentence": "C",
   "Clause": "1",
   "Subclause": "i"
  },
  "r1283": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii",
   "Sentence": "C",
   "Clause": "1",
   "Subclause": "ii"
  },
  "r1284": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii",
   "Sentence": "C",
   "Clause": "1",
   "Subclause": "iii"
  },
  "r1285": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii",
   "Sentence": "C",
   "Clause": "1",
   "Subclause": "iv"
  },
  "r1286": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii",
   "Sentence": "C",
   "Clause": "1",
   "Subclause": "v"
  },
  "r1287": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii",
   "Sentence": "C",
   "Clause": "1",
   "Subclause": "vi"
  },
  "r1288": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iv"
  },
  "r1289": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "vi"
  },
  "r1290": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "3"
  },
  "r1291": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "4"
  },
  "r1292": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "5",
   "Subparagraph": "i"
  },
  "r1293": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "5",
   "Subparagraph": "ii"
  },
  "r1294": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "5",
   "Subparagraph": "iii"
  },
  "r1295": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "5",
   "Subparagraph": "iv"
  },
  "r1296": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "6"
  },
  "r1297": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "6",
   "Subparagraph": "i"
  },
  "r1298": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w"
  },
  "r1299": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1"
  },
  "r1300": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "i"
  },
  "r1301": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "A"
  },
  "r1302": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "B"
  },
  "r1303": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "C"
  },
  "r1304": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "D"
  },
  "r1305": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "E"
  },
  "r1306": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "ii"
  },
  "r1307": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "iii"
  },
  "r1308": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "2"
  },
  "r1309": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "1"
  },
  "r1310": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "2"
  },
  "r1311": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "2",
   "Subparagraph": "ii",
   "Sentence": "A"
  },
  "r1312": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "2",
   "Subparagraph": "ii",
   "Sentence": "C"
  },
  "r1313": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "2",
   "Subparagraph": "ii",
   "Sentence": "D"
  },
  "r1314": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "2",
   "Subparagraph": "ii",
   "Sentence": "E"
  },
  "r1315": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "2",
   "Subparagraph": "ii",
   "Sentence": "F"
  },
  "r1316": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "a"
  },
  "r1317": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "a",
   "Paragraph": "1"
  },
  "r1318": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "a",
   "Paragraph": "2",
   "Subparagraph": "A"
  },
  "r1319": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "a",
   "Paragraph": "2",
   "Subparagraph": "B"
  },
  "r1320": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "a",
   "Paragraph": "2",
   "Subparagraph": "C"
  },
  "r1321": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "a",
   "Paragraph": "2",
   "Subparagraph": "D"
  },
  "r1322": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "b",
   "Paragraph": "1"
  },
  "r1323": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "106"
  },
  "r1324": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "106",
   "Subsection": "b",
   "Paragraph": "1"
  },
  "r1325": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "106",
   "Subsection": "b",
   "Paragraph": "1",
   "Subparagraph": "i"
  },
  "r1326": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "106",
   "Subsection": "b",
   "Paragraph": "1",
   "Subparagraph": "ii"
  },
  "r1327": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "106",
   "Subsection": "b",
   "Paragraph": "1",
   "Subparagraph": "iii"
  },
  "r1328": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "106",
   "Subsection": "b",
   "Paragraph": "2"
  },
  "r1329": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "106",
   "Subsection": "c",
   "Paragraph": "1"
  },
  "r1330": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "106",
   "Subsection": "c",
   "Paragraph": "2"
  },
  "r1331": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "106",
   "Subsection": "c",
   "Paragraph": "2",
   "Subparagraph": "i"
  },
  "r1332": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "106",
   "Subsection": "c",
   "Paragraph": "2",
   "Subparagraph": "ii"
  },
  "r1333": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "106",
   "Subsection": "c",
   "Paragraph": "2",
   "Subparagraph": "iii"
  },
  "r1334": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "402",
   "Number": "229",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii",
   "Sentence": "C",
   "Clause": "1"
  },
  "r1335": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii",
   "Sentence": "A",
   "Number": "229"
  },
  "r1336": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii",
   "Sentence": "B",
   "Clause": "1",
   "Number": "229"
  },
  "r1337": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii",
   "Sentence": "B",
   "Clause": "1",
   "Subclause": "i",
   "Number": "229"
  },
  "r1338": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-T",
   "Number": "232",
   "Section": "405"
  },
  "r1339": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "405"
  },
  "r1340": {
   "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef",
   "Topic": "272",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483014/272-10-45-3"
  },
  "r1341": {
   "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef",
   "Topic": "740",
   "SubTopic": "323",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478156/740-323-50-2"
  },
  "r1342": {
   "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481231/810-10-45-11"
  },
  "r1343": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(02)(B)",
   "SubTopic": "20",
   "Topic": "715",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1344": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(a)",
   "SubTopic": "10",
   "Topic": "740",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-9"
  },
  "r1345": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "a",
   "Publisher": "SEC"
  },
  "r1346": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "b",
   "Subparagraph": "(1)",
   "Publisher": "SEC"
  },
  "r1347": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "b",
   "Subparagraph": "(2)",
   "Publisher": "SEC"
  },
  "r1348": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "b",
   "Subparagraph": "(3)",
   "Publisher": "SEC"
  },
  "r1349": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "c",
   "Subparagraph": "(2)(i)",
   "Publisher": "SEC"
  },
  "r1350": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "c",
   "Subparagraph": "(2)(ii)",
   "Publisher": "SEC"
  },
  "r1351": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "c",
   "Subparagraph": "(2)(iii)",
   "Publisher": "SEC"
  },
  "r1352": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1404",
   "Paragraph": "a",
   "Publisher": "SEC"
  },
  "r1353": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "a",
   "Subparagraph": "(1)",
   "Publisher": "SEC"
  },
  "r1354": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "a",
   "Subparagraph": "(2)",
   "Publisher": "SEC"
  },
  "r1355": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "a",
   "Subparagraph": "(3)",
   "Publisher": "SEC"
  },
  "r1356": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "04",
   "Paragraph": "a",
   "Publisher": "SEC"
  },
  "r1357": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "13",
   "Subsection": "01",
   "Paragraph": "a",
   "Subparagraph": "(4)(i)",
   "Publisher": "SEC"
  },
  "r1358": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "13",
   "Subsection": "01",
   "Paragraph": "a",
   "Subparagraph": "(4)(iv)",
   "Publisher": "SEC"
  },
  "r1359": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "13",
   "Subsection": "02",
   "Paragraph": "a",
   "Subparagraph": "(4)(iv)",
   "Publisher": "SEC"
  },
  "r1360": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r1361": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(12))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r1362": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r1363": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(27)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r1364": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(28))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r1365": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(3)(a)(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480566/210-10-S99-1"
  },
  "r1366": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-4"
  },
  "r1367": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-5"
  },
  "r1368": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482765/220-10-50-6"
  },
  "r1369": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2"
  },
  "r1370": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483621/220-10-S99-2"
  },
  "r1371": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "14",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-14"
  },
  "r1372": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "16",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-16"
  },
  "r1373": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "28",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482740/230-10-45-28"
  },
  "r1374": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482913/230-10-50-2A"
  },
  "r1375": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(d))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1"
  },
  "r1376": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(f))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1"
  },
  "r1377": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(g)(1)(ii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1"
  },
  "r1378": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(h)(1)(Note 1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1"
  },
  "r1379": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(h)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-1"
  },
  "r1380": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-3"
  },
  "r1381": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-04(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480678/235-10-S99-3"
  },
  "r1382": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "23",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-23"
  },
  "r1383": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "24",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-24"
  },
  "r1384": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "5",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483421/250-10-45-5"
  },
  "r1385": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483443/250-10-50-6"
  },
  "r1386": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "55",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482689/260-10-45-55"
  },
  "r1387": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482662/260-10-50-1"
  },
  "r1388": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "270",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482964/270-10-50-1"
  },
  "r1389": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-22"
  },
  "r1390": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "30",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-30"
  },
  "r1391": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Subparagraph": "(ee)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32"
  },
  "r1392": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482810/280-10-50-32"
  },
  "r1393": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/310-10/tableOfContent"
  },
  "r1394": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481990/310-10-45-2"
  },
  "r1395": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-2"
  },
  "r1396": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-2"
  },
  "r1397": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-2"
  },
  "r1398": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-2"
  },
  "r1399": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "42",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-42"
  },
  "r1400": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "44",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481962/310-10-50-44"
  },
  "r1401": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481655/310-20-35-2"
  },
  "r1402": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "40",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481628/310-20-40-7"
  },
  "r1403": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481569/310-20-50-1"
  },
  "r1404": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481569/310-20-50-2"
  },
  "r1405": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481830/320-10-45-1"
  },
  "r1406": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481830/320-10-45-11"
  },
  "r1407": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2"
  },
  "r1408": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2"
  },
  "r1409": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-2"
  },
  "r1410": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-3"
  },
  "r1411": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5"
  },
  "r1412": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5"
  },
  "r1413": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-5B"
  },
  "r1414": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481800/320-10-50-9"
  },
  "r1415": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "321",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479536/321-10-50-3"
  },
  "r1416": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "321",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479536/321-10-50-3"
  },
  "r1417": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "321",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479536/321-10-50-3"
  },
  "r1418": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "323",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481687/323-10-50-3"
  },
  "r1419": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479344/326-20-45-1"
  },
  "r1420": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-13"
  },
  "r1421": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "14",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-14"
  },
  "r1422": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479319/326-20-50-5"
  },
  "r1423": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-4"
  },
  "r1424": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479106/326-30-50-4"
  },
  "r1425": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480265/350-10-S45-1"
  },
  "r1426": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/350-20/tableOfContent"
  },
  "r1427": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1"
  },
  "r1428": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482573/350-20-50-1"
  },
  "r1429": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/350-30/tableOfContent"
  },
  "r1430": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482686/350-30-45-1"
  },
  "r1431": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1"
  },
  "r1432": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1"
  },
  "r1433": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1"
  },
  "r1434": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1"
  },
  "r1435": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-1"
  },
  "r1436": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2"
  },
  "r1437": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2"
  },
  "r1438": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2"
  },
  "r1439": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2"
  },
  "r1440": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-2"
  },
  "r1441": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-3"
  },
  "r1442": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482665/350-30-50-3"
  },
  "r1443": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "405",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/405-30/tableOfContent"
  },
  "r1444": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "405",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477092/405-40-50-1"
  },
  "r1445": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "405",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477092/405-40-50-1"
  },
  "r1446": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "405",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(e)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477092/405-40-50-1"
  },
  "r1447": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "410",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "10",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481931/410-30-50-10"
  },
  "r1448": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "450",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/450/tableOfContent"
  },
  "r1449": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481544/470-10-50-6"
  },
  "r1450": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(i))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A"
  },
  "r1451": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(ii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A"
  },
  "r1452": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(iii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A"
  },
  "r1453": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(iv))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1A"
  },
  "r1454": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1B",
   "Subparagraph": "(SX 210.13-02(a)(4)(iv))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480097/470-10-S99-1B"
  },
  "r1455": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1B"
  },
  "r1456": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1E",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481139/470-20-50-1E"
  },
  "r1457": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-13"
  },
  "r1458": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481112/505-10-50-2"
  },
  "r1459": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "505",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481520/505-30-50-4"
  },
  "r1460": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "606",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479806/606-10-50-5"
  },
  "r1461": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "606",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "91",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479777/606-10-55-91"
  },
  "r1462": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1463": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1464": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(10)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1465": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1466": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1467": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1468": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1469": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1470": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1471": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(8)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1472": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(9)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1473": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1474": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1475": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1476": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1477": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1478": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1479": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1480": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1481": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(8)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1482": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1483": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1484": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1485": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1486": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(02)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1487": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(02)(A)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1488": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(02)(C)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1489": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(03)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1490": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1491": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1492": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(g)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1493": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1494": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1495": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1496": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1497": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1498": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1499": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1500": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1501": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1502": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(j)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1503": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(k)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1504": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(k)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1505": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(k)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1506": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(k)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1507": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(n)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1508": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(q)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-1"
  },
  "r1509": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-2"
  },
  "r1510": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-3"
  },
  "r1511": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-3"
  },
  "r1512": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6"
  },
  "r1513": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6"
  },
  "r1514": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6"
  },
  "r1515": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6"
  },
  "r1516": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6"
  },
  "r1517": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6"
  },
  "r1518": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6"
  },
  "r1519": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6"
  },
  "r1520": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-6"
  },
  "r1521": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480506/715-20-50-8"
  },
  "r1522": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1523": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1524": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1525": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1526": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1527": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1528": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1529": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1530": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)(02)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1531": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)(03)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1532": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)(04)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1533": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1534": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1535": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1536": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(iii)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1537": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(iii)(02)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1538": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(iii)(03)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1539": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1540": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1541": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(e)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1542": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(e)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1543": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1544": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1545": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1546": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(iv)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1547": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(v)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1548": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(l)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480429/718-10-50-2"
  },
  "r1549": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12"
  },
  "r1550": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-12"
  },
  "r1551": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-15"
  },
  "r1552": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-2"
  },
  "r1553": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-2"
  },
  "r1554": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-22"
  },
  "r1555": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "23",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-23"
  },
  "r1556": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-6"
  },
  "r1557": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-9"
  },
  "r1558": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482685/740-10-50-9"
  },
  "r1559": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 6.I.7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479360/740-10-S99-1"
  },
  "r1560": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-1A"
  },
  "r1561": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-1B"
  },
  "r1562": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4A",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480434/815-10-50-4A"
  },
  "r1563": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "25",
   "Paragraph": "6A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480682/815-20-25-6A"
  },
  "r1564": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(e)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480175/815-40-65-1"
  },
  "r1565": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "54B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482134/820-10-35-54B"
  },
  "r1566": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r1567": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r1568": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(bbb)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r1569": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(bbb)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r1570": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(bbb)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r1571": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r1572": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r1573": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r1574": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r1575": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r1576": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2"
  },
  "r1577": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2E",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-2E"
  },
  "r1578": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-3"
  },
  "r1579": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-3"
  },
  "r1580": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482106/820-10-50-6A"
  },
  "r1581": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-10"
  },
  "r1582": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "28",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482907/825-10-50-28"
  },
  "r1583": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "20",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481694/830-30-45-20"
  },
  "r1584": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481674/830-30-50-1"
  },
  "r1585": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "835",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147483013/835-20-50-1"
  },
  "r1586": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "835",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482925/835-30-45-2"
  },
  "r1587": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "835",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482925/835-30-45-3"
  },
  "r1588": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "835",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147482900/835-30-50-1"
  },
  "r1589": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "852",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481404/852-10-50-7"
  },
  "r1590": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "852",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481404/852-10-50-7"
  },
  "r1591": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r1592": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r1593": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-3"
  },
  "r1594": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4"
  },
  "r1595": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4"
  },
  "r1596": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147481326/860-20-50-4"
  },
  "r1597": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "940",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/940-320/tableOfContent"
  },
  "r1598": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "942",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477268/942-320-50-2"
  },
  "r1599": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1"
  },
  "r1600": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477270/942-505-50-1B"
  },
  "r1601": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(15)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r1602": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(16)(a)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r1603": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(16)(a)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r1604": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(17))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r1605": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478777/944-210-S99-1"
  },
  "r1606": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479432/944-30-50-2B"
  },
  "r1607": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477363/944-310-50-3"
  },
  "r1608": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-4B"
  },
  "r1609": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4B",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-4B"
  },
  "r1610": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4C",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-4C"
  },
  "r1611": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4D",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-4D"
  },
  "r1612": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4G",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-4G"
  },
  "r1613": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-5"
  },
  "r1614": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-5"
  },
  "r1615": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-5"
  },
  "r1616": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-5"
  },
  "r1617": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-6"
  },
  "r1618": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-6"
  },
  "r1619": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-6"
  },
  "r1620": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-6"
  },
  "r1621": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-6"
  },
  "r1622": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-6"
  },
  "r1623": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)(6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-6"
  },
  "r1624": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-6"
  },
  "r1625": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-7A"
  },
  "r1626": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7A",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-7A"
  },
  "r1627": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7A",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-7A"
  },
  "r1628": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7A",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-7A"
  },
  "r1629": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7A",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-7A"
  },
  "r1630": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7A",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-7A"
  },
  "r1631": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-7B"
  },
  "r1632": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7B",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-7B"
  },
  "r1633": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7B",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480081/944-40-50-7B"
  },
  "r1634": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480109/944-80-50-1"
  },
  "r1635": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480109/944-80-50-2"
  },
  "r1636": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147480109/944-80-50-2"
  },
  "r1637": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "4",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478009/946-205-45-4"
  },
  "r1638": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147478795/946-210-50-6"
  },
  "r1639": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(12)(b)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1640": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(18))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479170/946-210-S99-1"
  },
  "r1641": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Subparagraph": "(k)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479105/946-220-45-3"
  },
  "r1642": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(2)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-1"
  },
  "r1643": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-09(4)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-3"
  },
  "r1644": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-09(7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147479134/946-220-S99-3"
  },
  "r1645": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477802/946-310-45-1"
  },
  "r1646": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477271/946-320-S99-1"
  },
  "r1647": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "830",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "39",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org/1943274/2147477346/946-830-45-39"
  }
 }
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>166
<FILENAME>0001628280-25-006776-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001628280-25-006776-xbrl.zip
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M>PK!IH^ ]JQ]<-6:F'/P$2 9S<RA#F7N!Q\!MOE@+4H''P6_V=R$P&UQ\B-
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M)#U7JA<!6]F6I.N0:FH6 >'8GEIHP:(BP!Y:Z-"64H+-(H /FNC0MEA4!!!
M X\K3[BV683H6@N/*T^JM[2-HL4D[+AY]IMOS1DOJ^B]PX<IM%K:!MWZL6A+
M^T5+VPA]*1:ID?JWWK7W"*PB1%#<L[YSK-(VL->75=LR?$5  [:?BL$;DZ0\
M,&OH.7]&4YUELY]?.('E1T!K6YV@41Q_I0@ Q/9E(I7:H=O/]AM.7W''V=B<
MX*\XX;= LOGJ6G#^R[WI#52A*_SZW?&<452< 5RM(F ZI=3K+O7F<[&DO@A
M62GUFDO]'PS/+V#VZ2/P9["& '1=TE\$#+*(TG_!^F;D?@31+YR;4P0(N!1Y
MK46^8#Y.6UO\O13Y@HA\41V<MK9YC?GEM&=FX$RE_2Z#T!F!A-WVXZ_$/R#O
M71^_G)?\R3.X3#<YAC<UI8@[C["22SL2L/$WWUS'<*)UR8*V"92E9>'<Y'R"
M!Z2QL<]1'4>H^:4XO$D<M$W2[#+1BY!N*>WQ1DK.VT5(LY3V>&/BH&_^88>)
M7@3XNQ#V.+Z V1 BN5?FR'$G&:F0!T)<]9D[_BTR.3"-,;M@^W<1 ..BV.P/
M(C+Z JX?FS$'18 %2]NOC:]P4'PLK;3]&Q89?2&W#\X8?<&OC=I^C7;CXB-C
M>5E7C9A2?(A* S7)U7#IBQ(52TUR94J)(JWH%B;+^N:8/<<%FJ4Z/A%7_.Y[
M;/+=Y#\9\,7NFH\@,<&I1:G^ L68)5Y4"L="X= 7&?HH+#@L,: =4LX\]_3#
M$NTIA6.A<.B+ZWP8%I0(3J[*&1L-QI$ %JPKN.U?@.D(U%V+L)^7*%(I&',%
MHPA(U@Z3O_BP56FM\]_#BX^;E=9Z+8)1!-ALA\FO+3!U:O\[D@.9KGQ^PYYD
MW (:>,=]#WZTQ*S]+#N2J[H8\YC<#GZ,;6!.HU8_J+_60?<&QF1&.]66'^TT
M=>F[1CL=:8MM%86+*?6:8LR[U.M(.V@)6QS/HU'DFJ'SR"[[?6:%=_1*M_U3
MVQ\G,](00'CU2F(OL^_P:,MK3VR)P3T;F8ZW[M,OZCF:P2/M4)X5^+3,E;$:
MKI4E>0ZO/](.]2DD2_)T%HZT@UP*R9(\H^TC[<".W=E@<N63MJC(/0L=$?/B
MT=0WYBAU@G77=%V'?3=9JU;_*=,'NWOP^Y&V&(6&/-K2O.$C;>$"#7FTI8/@
MC[3#%&A/\KW =QT,(NU+7);#@L0UN#,YW.K<'XU-;U*87:6C7=RO$Z7S='T[
MV@7RRN[$$\X)F[SM=T/?^IE%4[KPIBPXN^.LSSAG-EWR7I1:)T[GJE/:00$E
MI]>DTWHB#-NDM YN>$=/E$$;MFS)\^[HB31HPY8M.=L=[8"%K;-E38!T1SMX
M0"=*YYF-Z6@;Y,<NV%D4.!X+@JZX1:KF5I2'F#V7R<]V=)?6+LC7F$?;V;+;
M->W@ 8UYM)W]NUW3%EC @T_GC8'K,L_Q^0\OP$-1F7WCARRXB-BM%?IPIT8'
M"-3.JP3NF^\-0L9'N);9(=7Q&O#CO![9C7H!^S."5[Y\A']FGSIUP9K%LEVI
M@;@=+2.64Y>^3RRU14%*L=R26*:<O2E)>X^SUZYIA\),#<[!BE^+.8^X%<%/
M/K?Q8&)U6N391*)Q<ZY^W^C, HG&K,6J'2QML9)+E[587YSG8\X"/^(6"\2O
M0V;:M'C;>3SY!?XA\7+L7KMY<-3I'=9KG=:!5>\U&6NR9N>HTS&MPV;C?W'W
M3;X3A!,7Q&SD>)4A'0-P7*]7&^UQ^/7)L</A<;U6^W_WZ-*37P((J4Y^Z?$O
M< /QL[C/S-UPS173=0;>L05$9'QO\9>77W@KO?"37\A14D_LH8SRBN6[KCD.
MV+'ZX:OM!&/7G(#"NN!U5>A+7T<F'\ +]_PP]$?'^+*/6-)LF:Y<-;V ^%C2
MH=.L-IM-)$4(- ]M]6!)I2I0Z<OLWSM'U4YM_D>U:IW^_H7NQ]6'D@FPICWZ
M#KP(4NO7O>;>U+O*U3?&H4'AL/&7&OWW=6S:-BCE<<VHPUW4([[0J\]CO2!&
MZ(^/X?JOBWBG+H<%^?Q8/:L/ EKITQBMX[\]@*(&Q@U[,N[]D>G];3\ E:\$
M(-)]<6'@_(<=M^ A]-N3>-46W(9XH^2O@1+WWW^I']2^SHK*[*(;[UOT*7=,
M=\%2.U-+/9R[U!\WUP^7%T;WX?3ALFLL7/)6U]B]//]Q?_UP#0L\O;DP+O]Y
M_O?3F]\NC?/;[]^ON]WKVQM-%_Z'&0Q!F$/?VQ<B<5$]KQJ-6KO56;QBJ0$5
ME_7#XT:C43U$'5=_Y73[^,\;>KWWBGES?4NM-Y9BQ97/1W*]L/UXOG<#_BAW
M+$/N4O>LC^Y-?<_P3'1=;.8<7_@6.:VX0^^1G>_#!2?U6N4?M(DE=SE9S,X4
M%5I581ES>.LCO-42K_T)N\F-6X]]7E+@VBW%*L=#G^RXTFR2J.6T[J4$:W46
MG7I>9+H"@]@S^L!L,X1M^3D\[CO/S*Y ^!&SL(&2VSELM;].<U$(R.R_BG1K
M(,!\MIW>W/PX_6;<7][=WC\8=S_NNS].;QZ,AUL#;.$#&#RQKGK3N+TWZNU/
M]F?C]LIX^/NED;*5L9W4DO,+7OS\ =^DWFFVEE*I1LHTBK<X( =PDVL&TV*$
M0V;TG0"<,&/"3&Z :\QL8W4Y%O6TE\*QS@HRI@PJ([C%$+]6L<U)!1]589X2
M[-8JFG,><<PU7-&B_P4W6O:AR?,@$KR X G#$"&/B+%E-6K?0!S[[=9R7;O&
M<IP%QBZ[N^V"$7W@\#0'X]W%AK1OND%L2=O2DK;TM:0/]Z<WW6LTF<M84V#X
MVZVI1A*1CW&=?8OM&=<PEDU#P Q&G_LC8Y&<Y?6O$?IYBNR27MOZ7VO+3OMR
MX=.Y/QHY 8)GL+>ZS/ B@M26-VR48)]<P7=OZ*O*;AT@!%FOU)N-]LR.I7=@
M=I!'8+:N2&P:')G/U579=\\&3H#J'V*1OF+AX=Y)]]MWX]SGXVD.^IPPVXUC
M H?J]>DVQTX(C["6X-:GRV?3"@U\.\/O&\G[&F9@=,?,0ES<-AS/N X#XWQH
M<ECRYY7>;L-P8[UZ5&NO"C<V.]5&I_DBW+CLK0ZKG</#7.[4J=::![G<B5ZO
MM0R:N@@Z5=!H8_QLS 4[ISDCF+*AW;KV%MV^]BQ08*FP5&1PC@V#?'+NV]E(
M!!9D86XB9&/N/^)]DCCD".,0UWPR.9NV!;&6A':6K <S9(T1YP]#_0?S^5KF
MW42:*[M+=O9.VHU*HU9O'AW.A' 9PA9?<#^1\*'_[X.WR8U_1]P);,>BC<3O
M4^K'20LK7<H'IN?\AW[__*$D[=-U];[:K1J7H['K3Q@G^F1ER;CQJY_G2<E4
MLJCY0K)H18*MZ;+B2_>JAN'4MCD+ OD_W^!^]1C_KNV=-&LU<+QPW N\G^D:
M%]QY7-[R?@3*G<./M_S!?XKWJ'I][^2&P1;U<[^D5(I29'=O^1ULZF!?E]_S
MZXTW;/H?@:!W/E#,_?^<L7"A)+6:>R?USF&]N>O;N"0"QE%C#@+EC,$^L6=F
M13BS OX,VQ,+/MAF#<)@H#3,V8Z7*:S0 (C_M$)> U6!,S,C_BW<M!K3PO]Y
MU83P-Q_X>#?TO2D\J=[>.VFUZY5:HU9;'D_2#89(@(?__LM1HW[X-3 >F,O&
M^+Z&>.%] R(V-T*)-Y#(0JRV]XHO"PWF_,&71_[MT[X"OYC20)B>K?Z4RMOM
M&T[?L(:F-V 0H^.&9+AF$!J<\B%O>-$%16-KH<(,6ULM+)[!VE9J,X*W0 8S
M#N\VCG@0(<04^@9<00Y[O?&I]QDM)^+MIU9XK):]6?0(C%:U)G; 5>"CUNO5
M:LO>JMZNM@]R0GT:U4;S7:B/I#>!SO69<CGYJ:Q_6U!+M_3>!+=9CX+.B";Q
M]\$)78(\F6D-#0OK<I=PW7:9(-PDT]J=C'J^^^D%/V5%<HCDQ(Y12P'F)#WL
M69AM PS9T]"!OR36;A4G=X>EZT4_IY'V<^2>,:DW>J2CL9]S())R/B[8MW[N
M&V.3&X\X=-GX:[51P]2L$0S?%I*5E ?*2PL@#$!,=I'L6A=-=](XK"[LE]*"
MB"SC- R!]F4*@3@"@PV>TLUI]^+T?XS?7+\'7F07/&8K-,0A/N^)MK.%\@NY
M\^'4I;F4H>KLG5RYOHD3J8U[1/9O?*^2#*\TXHD[1E<8,C&)QSA;ATDK>?@2
M#^>:O$:-3-[9W;:H_O&,XES%6M4H-NHY&,494&HS)!*])JN$RX-,N(PVAFE=
M/33=*I%;6X<L:JP?Y54<>#A3*3=_K=>>34=Y&+V)80V9]=,88<.#([C"DU(:
M)S!,XXFY;N6GYS_!\I@9 +ML^""($-@R \-F?<<3E3;WD<L$'5JUMF)R2C:
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M#.S6=>Q%95/-3^;G^3C?W,R[YMQ:.1,F$[X20,5V!01,S3!DV.F,% )B.6$
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MS]!W;?35T$XYJ?6CM>;J#3 D]HT[$^NKKZ\IXKZ&_Z7%@A<C;WT?A^0X.<;
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MS;,P'G0@A2-&-']2/N/EN5S&YZ_XLL"O0#BR?0%BP$M;?A"",:/]EMKA7#4
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M(#-&M@A!*FO(8E;Y8@PO:MTD@'V!+H+(D)M@-& AY,ZGW3O4>!'MP69%TFD
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MG'#(3QC[3R)ET7>H.YC<6)G/,7IL$*-+D>> "V+\&V[AL4E GD@0C6E'C+]
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MZOIFT@3B$%TLGT;)LUDOU8:#@9H=?R5UE&Q\TDU20_,0)R-E4$P#76G7%-F
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MQ+Z*L'T7[^-W\'P45$)#'A$> /V95@S6C;"O[.AM[L*Z"(N)$AZE'5Q<H1*
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M!PE%/[>4]J8A;,N;IJ6C'8G7>VHMI@.';?X9"(RHM95NHIKSY S@^$"SSB]
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MF' ' S20JOS:??W>2D\,;)7)[P$JY;O6T4T/NBX6I6GIW 34' TB.<7?W/P
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MI#)TA X]:G4FF=+61<],/.&W13)AB#F*X$,69,[:$#$OD&_(>Z?89AT9)0A
M8C<',]3WY!]/K#- Y1^SV%0& NZMCK)O H;W4;+^;G #1]M4?3E"UD[MU2SF
M-&W5"#]%12X74<,(SVZ2GGU5UN_"19+T+3K>7-E)WG4U5 PM%M=/W#SFL5M*
M<I<C#'\U7OL2__"2QPVPWM;!IU0.ZT)IG:P;D0AXLME(I!(MS''8@H_>4]E3
MU@HFT?-R&VF]<RA=&V+XC%U83IW0Y@K/R,PL;G-PJ= &QDM-0$&6YC_)84$Z
MT\^[2PH0N#5N!.G:\AGQDJ)+/%EDW8BV!"\BVQ!+A7<?%6^9>"J,D!!.R8="
M5M[U9[$31#^_R5U>68X/WB["$+?W?.%XL:E5F8FT+<MV,:Q%T>'1_;E)?7H$
M+?%1UMS:W[6<BZ4M[<+H'@HKP5 Z!SIC?FO[S=$X'S\78IQHG%&&&'6:.1("
M&NT9></!'!@ZP25^^0_X)!((" 1I1_UK*I\[U$+"^N]B3!V7J(38^9DT$J;%
M4@OA4QSD[SCGK@-%X?[)AH\9+J16)QY8^X./RJ]R Z!=O9S;6W""*)*?^3P>
M)6\P.3"TE&]:EUTGI05E0,N2:?>,:7Z)LNOD1CI::ELH24:++(=7[IH'7Z1+
M&-;(U@YD[[PW$_P'@@5I^E+6^H.$&01AC ]K-%;<ITAHD;2[UV2O#?*REXE#
MLE"1,2K1S;,6]%'KOK@@Y(XAZR7ESW#9JES)5*HJ@S^$,B-VE%^84X4G)=<I
MR<TF/_9$T/%]_:SL].]00TBSN25HT,*9^P0@U;0W>0UK003O!6%_%N^16U0!
M5#C@^$VGOCBO(.KT;L$(SX B[_/0(4$ &G2@G(&%MX%H% GT=>KI*A()'A[R
MQVT^+(>*\U?D;2T*#R%RF4][C(X@3#RH0ZN%[IV95GR0L[5\:%KQP/W:;J._
MHAQZ!A5UG([);[00,_DCO2)S<AT/E.?G6&#:W32K?,$<=(SGOB7'QH;#;W<A
M!UHZ2U$Q5T5;0HT"M'1YWX<EEU 1Z@X/ZPFFB]SE6PHY[O=2:43*0:X;X(%(
MBJ^1+R3Q#C(H5/3JF9>H5JYH:_?R7$%&0ROO:CWF#_NHCD(NW" \QR)JOTB8
M@Z9?EL:=?A%8)6RA@M&0]Y$.-6YO]-?)XSDZ//IV2C)K@KL)*> . 9&.MZZ#
MPX:4#%?9NW>48>2>_RR&8^)I()->U.S_ZC-DOMPJ5)YTZ^38L-I4[XJ)-T,>
M#&%?2'[__V?O79C;1I)TT;^"Z/5.V!$0FP#XM'<F0NU'K\ZZ;5_;NQ,3)TYL
M@&11PI@DV  H6?/K;V;6 P40) $^1("JF>AN6R*!JLRLK'Q^64A'.V-@[=P2
M0O+/9A)(T?+QZ,<)H>D(.C?&QM 3, *?(B[/6LV3#A4Y\D=]M_;<4&:IDAQV
M>BP)CH!>HRL(6ZL8FSVJRY>J+?&>#+#IE2.58"J(OD2BR1/F4SRI_&(1V!BX
M%+CNPUM^_V'"=$9CP<=WLAE6OB2CJ,9:8$BDKGP0E@GOUF-BJBP_!]DRK4SU
M+=Q:/B_N$*H$G'!49V2&Y*YEGG!;_!")3GDSRX])K%"XU, #Q8,K[U^MP5P4
M'6=7@:^6P#NW' --<R"R-YWD-PN2=$0A)R>ORD15N)2S%]7YPS%5<'PGF-V=
MA4*1AANN]1U'4B5P@2F1PAHI<J!*&)6?>:OM8X8(*A<:R5QU.;M"1CT4+I$0
M%AER@\,/Y_@JG%[IX7^TWL+Y X45^1=:5K9?YX%M?+<"YU&I\12Z*94J[3:B
M6.',?^0B)C_,BP+R-[&Z>B6Z?:XO7%JQZ<GC\9YPID5,%.(+31+"N(7(7$B-
MC!K@/@PFXKPK)Y3B1O.0QU#"T7054]82I7H1!V..4.C3A,W,#- BSP/NEW":
M((WMC!.2N2:W.MZ(?,.GO]J2JO>K&;;N"+H7'!H[7<=]$*W(.9]C[BME=<:6
MOD^1ES,QG=06XG69ID.W]JE8KVL2HZ7LDO5J'XK^<GBS$$MK,1HB0ANRR83W
M0FZ+;W"8(CZV(Q/>(DP$J: S]Z",<!6>;O+2"7B<+-<@)DQZ#CP.ML5D)FK;
M,!'$<8[H(1K0A9C<>_<XB@+>&97M>$I?+L->H%%2@"71005:C^-^D,DAWUPQ
MU"/-%5C#%?[YZ@Z)HJVF,58M0DLMTLD0:'/QUAR>N,+F#;LB<60^ CG& VQT
M57+/08BA<+10AHKOF]PELR.J*R/I(YY2 8[09"/,P]//N?VI5P['_'*?22@I
ME;'99'^'6^P6+?2HW3W;8\QR;+C*)W"4<=RVFBBNAH?C0U::C8=650QOC*>^
MN.\SK]"*RK+PEGR2G"R/3[M\\FVRV*_06C.ARCGK&>]U'DX(@6R5PNS?I^Z3
MS16#'+3$W9!L:B8/J2><FVQR<I[O$:#. OJ[?%6J$Z5%EZ(7K"/P:TT'+U/7
M(VV;XR&VS(1&0K-9!4G\*E^KG)TDE0+?ZT/-TI.4+4$4.;?=1_1H,&U92S?;
M)J30VIJBW52\2\&B2AP\,M4%I\3\!HXJ&5,G'?Y ](4F),XJ:[S5L]+=U#2*
MOSYZ3*L(IA)SO2Z)1['UZ@.^5KX^#K(M$N8"=U2LG)*KRA90)J\,'2("K%"N
M+>NM[JDD6))/A13)!A^)NBEDCPTZ+VO=NN,[7 F>K53M90SZXOM?N_QM9?-K
M Z:YGA3!#%Y_JK=];(V5".]-Z[#S<4JT/BM[%>72U6)F17I(!1J#J ).:[9W
MGA(QZ%[@F\>41ES1K4A=A,T[0JIL-UC(GH,Q-:'?,JV=D:"DX*!(R*7LS)04
MN56CZ-8@)(T_)K2)=%ZC0*?D[;YX4*7N(CN4@LT$$DE19UQB28U5KSQX5L0H
MFZG'G*B_FP?,P 7SE3SG\\#Y$B_ZZ0]&A<Q+N%<6*=KLAGQ[MO;;7LN_*^YJ
M)I)$$@[1<0_385YP29(=K]=BY'R(S2U8A!XB"]ARO9FB%%N;8/JHYP3@30$B
MI,6BP2\1#?] Z;A!9[%^PL$-&95ITB6%$I3K<2""CLHL7P_9Y@"056<.;6EC
M'RH-AA-M/5>)OS;9>>D_PO4W4S&L3&F25@,F&GW&-&.6ZW^MM%>_W9EJE)$$
M8&OE YGI@N.(K/I5)%ZAYZBEHR/Z@V"GHG5_/ M7$SFUCKM(W!#5V,5OJ/6\
MMVVAJ3#;4.X =@1X81H$AV+IE32(U%MV#A4!"]5?LQJH(2/6J]W25BN>.9&C
M4,-(P#N0OE!?H^FE&O!C=M09F30"CBC;?R2#Q7E=I(V65;!&.<-!C;P31E-:
MZI,)@829.<)<]:3KY+"6='MEVY/6\00SVFU4J4-J;>WY/DI?EU"%WLWK&FT-
M*OS.GR]Y3V-!MU2N5RK?\X0:G_M18@AT9M19WA&BN X?X<%1@3"B+Y%%.,"Y
MM)7QUHY1\]D\_;P4G>_4'1[E6%DTJ- 6H]GX-Z8:!'QV8B7)RJXV,JI+4=:K
MK#NA>N6L,9G-L68LRQQPK((%D"/;32&@NN-X#^18 OU3L"UW>VD)>$W>= !Z
M;HZL(WZ7B-!0P[&P#?*NNM; [3]0Q7M3C(>"F5;"/PD17(F/IE]%:>)/ W=A
MG!_ZT4;X-S[&5I^R6#A4,8V;V")AF7:%"/^*1GV_8U,Q]$+6"9 JS_5([N2P
M+=Q0?KEDZDCD>&U9JR("5;R66@WAQD/),:=F+(X5:-\JP>9;>;^,];A)L2!)
M$:(+4O8]B+GA5#0N"HVK2C IX:FH#)ER*7V@&:,LXBE#6 R-)@'UL5JD5?%$
MO[39)DUYXD0R1IFR*8Y=%0E;L5]]!#AJ/)X8%XW\_"QDHV<JOZP\MO$=?O@J
MG$YE/6$^0U>RZGI7VU6!7CPG'J_IR&Q@1V:OH8G'.MS>G\E3%!6MJO:.^I_2
MHYD.C^*8&JJ^/BUIT(H*9((I]U [+?C1)JWI)?9GQ/^IPWV/K-!N-6JPH_K'
M0&IP#9Y$)HJP)DS-A;+Y54CUCWB#^(CB-.?>M39,.*S.<W*#U_F.R+3P-6#X
MC'3]\9Y,Y68J=K0@;'X?G0:DA3:<.SOHH<#"W_1>7KK.X'+W=0\S_;@V&7P:
MZF7?JPA#SMQE&X.3,DF=2H5L*QJ=>%V, "5!I#9X]'*6UL)FYT:\%$&$WZ^O
MOX@8PBL!2\,K"$6IH%8IB,$+;28[MDU-4Q2FM/A(VV$%_HAP?>&!U] ;](F<
MT6K&UD==:]8_&6.9XE3M2=B6AS6$BTG:-\MG+^EME]+ &V.#+?PV,^Q/5AEK
MDPP)@!G6%BS^\F].K_WF1E+@+5_&U0WA/=,*/\CO\8^^=-N.]XI7(E!! S[[
M+57]8L0;%O*-%_DCN3YGRQ+Y(K^#W$YP8"I]BX>:C+I3>,,%UX363D%)6U4D
MIV?&9 MJ"(<Q2F<*T5'4)CQ2 ID2;3IR+NJ/.0\-D&%+Y9!;%(XMVMRYT6CK
M^H<<#1Y0N6>*Z>IHJ69FL1QLF61)R]IY4C<\80OL]]UJCK-YL$:6:NZFL'Q>
M7C]-JTYY748F?*^,?Y!.#1M\VU>05-JL+7*_M?F?6F,:U2SPXH5J7D/U>$G9
M+I,:&%QI?B0_6WE#&:\,Q:_! /&P)%=-*; IKS1(>YGF=KZDG$.Z<\Q[66>E
M%4X ?29L'HSC5R#ZV,R.39%![,<)9<UCO/0QQ^CSR3WCF9BK23:&G0<?TN0<
M?%3N?<[\$:\UQB(BS*HKA#J]YD</.:P62YRL.4[(!("; -^ C2!CL=^G1P1O
MCJX]1.ARHT,R<(Y8,.;/0[05>%;C#L0'V';+PD:+8P6QR[<)@P43) 0\B$T;
MB1C[*2=13ZEM@+?OSS"43N@=HC!,SC06?6)K &:J/&["!/"JAAVN82IFP]F-
MD=+KA1JXL9/J^?(,F0E(X_]H$V8\ 9%N)%. LA1^$&4P0608-<30"%.-L%3,
M'\5B;([_*'+3^A@X >RR#CC*,R'P;-E2+N*8\NH4A8-DUZ_4^%S^'"XF? RK
MUE"7!BD1N86JR0A\0TX;2VO-=MB9FX;U/ _PI$\X!PYWG*GI#"-J'2R&]J"&
MF<PD2;W/$5,?^7;"?().!78)L.0'TRNG"%)'T[.9$DT^ERF;S^:CQ0EI0[4[
M(7MY"9?J<^*.([=K43XHSAX'W*6"G]-TM>SS N$/\:R\MD)A?U!9H])P-H6-
M9P+\'/,5/*G UXDVJ1@%D.;5TE<E^KCJHG?-.+JDK\'#-*B>L2"'(\<KJV+8
M''Y+H5"&-/!WHV@2Z7D-!/".-\NFR/%1A/<@#V60D[ZC*!)N872E.,@-AT0J
M[$93N$"\0Q%8HT/\B'YIE74OR"W'"GI4H8(@!FFN]G<-)5,5ATJRY0MQU8G%
MUX-+SIV8%/%2IC-2%NCV$0T!8+>/LEV_2"HSH]12F%!QH"BOQ#&!15FTZ,'2
M\7_1B1HINHL4RP/C_;=:KZ@ I^'%==H+<LA')$:\45<!],A/9Q"7U,)'JPC.
M!:TSA41N6>_%H,4<[I?"R%&9NDG1UKDJ42;65":6X*;CLUOEBP2F+;=] E[[
M_^ ']VRB;)P9OVL%HZ1GC)H@Y8BHG,K<N7!4PPF)E.@AE7&S(!&YZ;&<.P*B
M'M[2((RUX!E_/V$!\;7G7KP%B%"?O)'>J^3)IY-TF@.+<*T? ''C9SO;)>S'
MFNZR-9RI,-(KE#B&P0)SSUAVFA::KA:B3#H/KJ&-M$^/>J;D"_^N0CO\NUQT
MF(PS(CS0"N^N67#+J)9JAJ;>%5XP5VID36;>$1\SG/L$)4KM] X,6";(J2Y0
ME !>,2.H9!H9:Y_!]/H-S2<^=2-CFJQ2(\32@@VN:+.PXWJ%I_1"!.Z;,BJP
M2ED<7PV.,#L/C.,6YMQBM'Y4A)*R.Q+)7+E96"C+:\\6;)9:H]PY5SY@KAY.
M#*$1H0&\)C+7 )DIJMP"% L?@RU\=S6AC";RR!%8_'9]8#SI0?$.*S.ZD 9^
MB[+XM$8>?4^JDY?K7D5 HEB, &I9?X!9CIY 'G4BB[*H-<!G$RSZW>:GDY'6
MG &\^35;2M16DIDEZGU &?PK'1,&'^<6/F_"U"\3X6Z5O39:UK?,G#"!Q1@N
M.)UYH@[?Q;.$VH9XQTR\=?19QIC<L$&" ./3WXC+.%0"\=/7[;K; .VHC%$'
M_$)."P <G1#I@"[-6\2A%MS*U]U&OFO5V\?#&&PB9&I\%Z(5C5O#TE/^0@'\
MD58/[?!#]>N]&G_*6#3]&HW:H?$ZUM?W'Z^_OW]G??]L??MR\^GJ\X</38EB
M"%^+3[@7[:+DE(C>,V61H+[XMH25?YY."=&5S1=JZ@KV10;S-)SSR;\/=*T^
MQE@<%LIB>)<*R)MBNMZL5\)G*8$(K'AS\(8W.,?6M[0F  _?.QP*%XP(6\^Z
MOHT8/Q;T*$$GZR4^4R3O2WU=9O=31S>S"-F+)?KWP-*=S;#<TY??CS/OSR0%
M0=7])!157I8IOF"+*0DR."H)(-.+/#JD9<UE1%F_>+.;IAXP,GU:EO4%-8V8
M<\VAB7#:C@CFEB*):%/BLR4P^>@G:<9=&PHUS3%0+B>(>2*2$K>9LAFA7$<S
M:B05]CF7?_YT:D81%:PV[UR3YT&:(JIJ4G:#AU%:<)PVTT58G\_C%3P+3-E4
M=%JQ-"J#0 @^Z97B IJAJ5,*%W(8K1]:]I.@II$SLI%4;W-4<Y1FO"0(/"M%
M/]JAJ(Q0,D$ ,*'(7JA/J=Z\#003]&Z."OBN. Q2(*4E<]QX#@ LIRN%9#TI
M/D9T+5.P590;J8FS5"7*JUVY[*E>24WX]+H0!0(Y3036N)(&?:0A+"/K!?,J
M&_YB*2,R2(>/YI_/5S=1DBB8"70YW%O$X#SIZ)F:M.+OZ1C2(-;_QOL28X:Q
MKD\H;,=#B($VTELO.*:UD+F$IUWABN# (]6)]#TKD52NP2<9B>(*>&BHE?W
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MA5\;Q.N?> P8W,(IRW4J7@D>2#D@]&CRTY&(2S]0WY"Q(O7-$7P5OSD33G"
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M*HI07C,+0W+K/B#ZH_BSJ>A_$FLF@+Z1/!#<CIS3E^&<K-]$NI&?L0S B==
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M%_&&374ZZ!IC#5YJ85%E5!4+:#-EJQ:N:\X.WL(L.AW7REI3.E B9YJZWPB
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ML_N]@=VI#$I>E0@-<,\O@J&=EEL[,+O:I\F- &4U0A\L\7V;O8Q&J!E#O=;
M: 2C$0[2")WAP!YV]QQ 931"W1C::AN-8%!2#W/=&_#]AC4V&NK4Z/L&);4
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MP4>VNF-@"J-V%$9MFR2Y?[''7A593TX!7ER"QN=X%<-98%$,[PUPY&V2,%Z
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M1QU_(HS^ZV0=8=9./\#Q99F%:M)MOPDD&A#]W7ECC?V$W8;1HX+_?N'*L;9
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M8\*%$R8!?[^F*=;.1NUN3K?R$E(QNY<*A3=E<]";\">+GA7RSVD(P^BJ&?#
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MPU:?J)@MR\PC'#TIB>6:/"$@HB(1*B;:+)G@X&$9E3IM8[.(2C_.](7@P(*
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M_7@,KR'?<_A@!A+-J+B6V)3PK+RZ^N9M%"5/O(J!**OY+F5!F)-/HK F\>.
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M4^"O?L2]<3D*?$LMJ3^CC)!-R"9DDX22^G.34?ST#<ZU!_ZN5CF/!F6$%*J
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M37_S 5@&G8>^OTOB@@.D_(J\W4@:^ Z@A2Y_$KD#E]?\(Q.$^[#6:?[RWQ*
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ME4X>!LP_=V8(.$_(?5!YD=B!X]RI.%$=T/NR1+BAO6P$VC+.29 C*+-3DO?
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M%"^$Q%&N_7A#-*",)B+6,832.&.LOD\O1K#X5%9D,@8* 4=O)!5BDH)('<(
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MCUS.,OLO)TA1R&,EL)T56"!DD_<2=R;[EFN>J"8,@YM0I3WS,@@.I<)JM0D
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M+\EDNHLLN)=#X\%.C'/+!RK;5PV=,EU[,AC9[>&)(F>?J:NKTVGU7E(W[89
M/%L"T;''W9'=ZXQ/3R".SXJ?&IR\'A?;=9#KZ2UY4%GV_O>;I-J&_(QHXZC5
M?DFD\7GFACRJ&-FDE9]?6OF!8N0CA(X_H]#O \3(8P"T]F)D0R#.D$!T.V-[
M/!Z>GD <G_D^"S'RS&CCN+5OP8BS)HW/TS;)C70;8V1C:^ 4([L[Z=O#X2EL
M9\_8&-EM[<MUSUKC;@C$LR4077O4;]N3T2GPN3%&/D?:V-Y;C#QKVOABK)&7
M,C6HL4.^,#-#8X<\/E0GK5/ L_8"9$,?SHX^=.QNIV</VJ>P'35FR&=(&OM[
M>[//FC0>TDGIH+H'S?OG]_Z3*A=UB.S7G>R:R/Y'BNQ_:/1W\_Z1WW^>?J@F
M1KZQ.F]S2[4[$WLR:MQ21W9+-3'R#8%X#@2B8X^ 0 R[YU4<LZ;XT;BEFACY
MY^J5:F+D7[#M^5 QLO%-'5F,/&L+;$,@GBV!Z&*S3[O3.:^.US7%C\8YU<3(
M/PO;9!,CW]@:<E)DK]>W._U3*(C/V!C9:V+D&P+Q+ A$UQZ,)G:_UST]@6B,
MD<^"-C8Q\L_3&MG$R+](,T-CAWPD*KDOQSUK9;LA$,^60'3LSKB/@?*G)Q"-
M'?(YT,:7&"2_T6SN.'WA[EL.-F/ZNW4F_]L2D;PO8/J[ 8;1\%@_*_NO2+R]
M0 +T=C2FCEX*F2\(9]\.>^JJRL9?%YW!$1L(]EN#8CAY60O!JG#R;JO?WQI.
MWMD63K[O8D<[K+389ND8EVFW)HOWG?X15G)OGRE:R#<QQV:%,36I*W1=7,JF
M.[H!)'$;:X5M=_#QW7K@M9X>NE:-+]&@U7W0'1IOO4+=-[7!K)(^HAL]0U5/
M3C^F3ID"633\Y9NH%2=.X#J1&UOS,-+].K%#YA\I['^^QDZ<.$FW_:[8O)$^
M[KR3347QW544+H'I@^04<7=([&B*R#J/G*6X"Z,?K6.RD'MY:PD5.@[2]H9G
M@;$YWOVZ]^81V/ANZ/H!D&M+4]2L#ZKL@&NVEC4^EA@M6Y_2-UDG4LMQ?T]C
MZN\:P4H)7'H@UXMG:8R-:54S4B>Q[D0$.+N@?K78IC2A$:?BQ@L".'U,(,LM
M<;-EZ$X]AXU^HIU>:^=6Q1*  V3KF\>O.DLB=,VW9 ?1=O:*,XU#/TTV7]FO
MW9#UJQ-%X5W55=1WD89[2S1BM@-F$( !/996IWWQ3R(UG>XV>OK@!59EP#%S
MN_[TV;KZ\NWKEV^7WS]^^96NRZB7/R3SYR+*",F-N)A&POEQX<P3$;UU_#MG
M':.";"(#8()YLE7G:"#-9"O&[(QN1Y,.=C]A$N%_\6X]H)INO&?#W1ITZ;:\
MV)HMG A.$UM::S[G.W>47HJ_7R=.(O"/?R7.@DB%A_1&T/WCCMA>$*<XP'1-
M;WSXY>-5UM,ZZXT]]7Q,9@/>NW+60+$DV' 1<3K]':@<?F?.KZ=D2D@2 +6I
MEFOCF?XA A$!WU_K_M_PFIX6P Q4DR[0%+=,8U-C;F,\$ *(^\._.*;YG9U)
M#4M8=G[IU"X;P8"]I4$ZF./O=QYV,$Q,D04DDBB\A25X<]ML/XXRA;/&AI1J
M2VIL>[.YN.Y+CGV[TX@D:>Y#'80)D'7+6ZX<%+49^%<@JS@!]H?V/4$=MPOK
M5A-0-_( N%<<.Q$ $1N/!R0])<8P\MCP5U?,? <//!L0U\1=NN5^^".4Z-/E
M$C$H7B"J1&*51C-D2=P$W17Q+/*F,!:\*[S Z(6N9WDU&+4+K;Q?#0;%CZB'
M-Q"]W,?(]K)%2NQ2.U(2X5I@XTEX0FRV+^^K)N:21W;SO<%M.FPE&Z((&L,O
M'EQXN*I6&G,S]GF*)U;8/[YP V*C[,.>A+,?V5);UF\"9-H5W8F%9-P$E3O8
M6 $)"]L"J"*B C[H,SWH2!%Z<(S70&( ?7ZVOD8"%#)\YIH6R^=+::JQ_@#[
MCV=GCB.K1XK'KZB%6DQ&?2HAU8+%".MC(H"97K:4V([!9]8'D*#"*%;\U?K'
M^U_??[O\9'W[>/W/:R7(XX$#V8H]!(3O+>$V27(2F%>1R$N81L9Q["<8/0XI
M+V?H/X<H%  Q.2/V\R5-2"]#$CC5ZR?$\6*BA&D0BQGQ%%=,$[XA\@/C!2^.
M4[QABRA,;Q9T9,#)EM;ES]<*9Y@PP1?7\G4-+T098DA,<G L_!1@ F*E4/IB
M".A7,C,BZ"U<<KI2'K:\%+!P_2Y.BH_@CK"]FX-2.P[HS&8HK^-$@-V BR+F
MZ0V>P'HKWJ (8!K3ZLN6D&P2JTR21Y'30B4/$1SY3@#3+PG=;1A-6+^&B2#2
M<66N\8,7.,$,>26Q?;H--CT+XJNM;ER&<^IF4==>X.-:T-V\,0=@X^YZAS$2
MZXBR#VGYV!+$2J&@=GPS[#^\BL5;]<L[4*E6OK-^ZP6$P?32.SFGU$)*"ES0
MC/RUE'TG_=9XV$'Q5X9PR(FWMZ_O#N&M_M;^];M_/NAU]WJC:E&35K^_[]R/
MO:9.N]7NCHZTJ'%W/Y!O651GU#O2HB:C_=YX$D@=\?B.!ZDC+JH_VC[4?3%9
MC]]]N72 SJ#N_9MWZP=O=BD^?I/K9P2EWJ:CMQHKCQB9\#@;*JEJ13+ :Q>Y
M<A2SH!&F,(6[4WS@T6Y;C;'@>A%&R<5WD'Q?<%OXW4#U*0QN&DCM BE*\FJ@
MU%R]YNJ=_NH=F@!P$!CVE@0>I53COX)-F\?;75#G<%@<6I*P&;D9N1GY;$9^
MHJ3\IX_Y_5?>:/YZ[OTIW(O(2423B_]"4FVE^^NL$FT;O*H_7DTF [O?K4&%
MAP:O&KQJ\*K!JX8/-GAU$GK5M;OMAEXU>/6,\.J)RHL\O0V1"]6E)9;$8Q<.
MT._OD".]FU&VSMG3AW'7?6W2CYVF?Z QZD6<\&%R>7/"S0DW)UR7$VZH]',_
MX<.DQN:$FQ,^CL:@5J"6/&B:KC;O-^^?1]/:IU?'KX\;T//0D('F_>;]6KW_
M; -3OD;>+:8#OW?3&1=W^A3"U)2K2;8Y+_'^XE3<PRA"74EY\W[S?@U$ 9+O
M1USYJ7;$X8..4CNE4?Y<%,('&75.5 ?WN9])WQYV1O:H?U[5B9M3:4ZEH5_-
MF6#[A<%X8'<'_>94FE,Y."AD2S!*747/_Y$5? Z7/G<1_)]1XZ5S#ZM\CF<R
M[H[LSOB\>JLU9]*<24.[FC,9#MIV>S!NSJ0YD]J$(C\.5#D4>0]'2!.AW,2^
M-9%1U2<\L/O]OCWI[ML(MCGCYHR;,Z[/&3>4^KF?<-_N]@9VKW-@,]KFC)LS
M/KD9NWX*174]^\:0W1B#FC-ISJ0YD^9,FC-ISJ0YDY=IR'[,FAI-18TZX&JC
M(9_/"3>VS.:,FS,^_S-N*/5S/^':VC*;,W[^9UP#>_5CZ@U/78=>'I1LU]F#
M W'#%)M_TF$] (_KX038NP[F4>!1P_O\(%W_&$!Y KO-0Y?9W)OFWFP$>X+&
MTK9[_7TUEN;F-#>GN3G-S6EN3G-S&EFMN3?-O7D*ZW*W.[('>]LLFIO3W)SF
MYISAS2%;X$\)5BB ?UWO]N__CW[PZJ<1/B)WHKY4>UDZT8T7T**X*.\18-UI
M*V#3.&^]!!8\VV[ZZV9-LBG)34>KQM:.:V=X>8$K AAO_(2;V<"EKAEW^\$+
MG&"6BWRHV$B&-^^V;*W;IR(9Q][=UKU\":S_2@-A=?JVU6UWX>>=L)RE@!6Y
M5IA&UJNN-?5\'Q,5E\Z?WC)=6G.U;ZLZ ME*0@NV!N-8R4+ JPEF-JY;UF_"
M6H2^:\&UM%8BPH;;5CBGAR(1>V[J^):'3;A%G, O],6V::(T3EK6]X5<]1+'
MXXF%*T>]#?U;? FF\T+7MEQ8"OQYM_!F"]SNTEG+*!8;GEXY:]MR8-V1X ^M
M.="#V+;2(/%\":T>06O $\>SA7!3'^9SEH#F,GVS?#IX L:) ;1)G, L^ T,
M+Z+[-KJ$?5I300OT8%38((P2Y-8SM%Z'D26<R/=$9%O>W)H!87$\/#J *""+
MY;A :V)AB5M!RYC!A&]X&R'@QAI>WH"8M?+3F-:G'RG9*!Y?ZL.8,)T#_#Y(
M(F>6X'&JPX<A'#A3&.HNM'"8V)I'X9)&=C$G%O# "V9B1:.&N)! W#G^.\"8
M.UAP1,@Y\YTX]N9KW J@H8@E_!!9M\#/B:TX(T)9T!+ =.:D !&/EH:C(/H%
MM 9 8D((6&((C^@9[[QD =L$<- ^6M:'D ^0=\7(]XN8B>445M;K\-TBK()?
MX+#@V4C ;N!'$.:0H7R1NZ (KP(9#JZ=KM$\C)9T1K85"V']&B:P>-C451@0
MDP*@:S(&+UPG\ '>(,!V?!8NJ6VAKM9MO\O(-GW0><>7$T &LR[AR8M_MBK)
MH"0Y@S[0I%48TP+?1L*'M=V*=W>>FRPDGS;?DE2SG;WB3&'9:5+]2I&S5KBW
M>A7N+>M7!W=915([!S(,.GP-)DMJOPI:C[' K<S8NO[TV;KZ\NWKEV^7WS]^
M^=7"_QVRFH<M8]3/XXOY<Z$;"ZR<&W$QC83SX\*9P[5XZ_AWSCI&X<CDL\!2
M322KP@^#^TXTIRT3I/;CY,.3"UB?PN"F*%^=J7B5]3#7 I;U/8(I@)WDRB*<
MH[#U99:$R!.Z$^();6)I7ARG*#TDU@IXZZN!ZO:QE((7\,5^JYO)2UD[NVL1
M>$#TF;"[J2B.3Q**%Y<UP /.M@31 #Z2'-7#)<26KS$)_H"9-]D8,OC9#'0>
M9(;$"XEM.E/):8'+,0ME_LGBHF VCUWI0Q00LFFF3NS%+>LRV9S*9JG#8(]3
MQ^=987&O^I-)#E M"R#\04RCU(G65F?,(" 01QBTL621,!8YN+7@KP-X([)Q
MR1NOTVDL_DAQQ^])KJIDD=:\DD57<\_Z8?&OX2T?%)]3Q\3B4O3MM3K=P2[X
MJT?NLD1KXZUPK%7DS4@^G$Q:_9X:Z$"D&>:19A>X#XMP[[9.H:DY 6&VW.F@
M"';+@/BP-=B)8.3'[+4?08H\Z*8<=!UJP+TVC .'\*YA_7@7:HCST/>9=\3I
M$M8'K\=2-:HH:_0=U7,N;G3Y\[7"53AL5(.4/D0<16OCD4B8+6VS$!#+(NT6
M^!9,"%1\BP#[8)!4R-$/I]A[V? JQB'K8*8SD2D2-NX[JUB\5;^\<[UXY3OK
MMUY &Z&7WN6Q#J<H6")I1OY:RM23?FL\[*!8+4,4Y<12XFX!8'XJ^7S2ZDU&
MI5^U6YT]/Q_TNGN]4;DHV,I@4K-%35KC<?DWSV--O?&@=FLZ(D(-AL.:+6K2
M&DQZ]XU4XIY3!",( ['[4_<%+^_J*7E0]/*>]HKQ;JW+/O^\E<OM$M=\6#C^
M \&'#%1$IP?@+PBY*Q^D!;>VL-J*:N5V1@;O4P(2<2YFL7(N(A0V01A'\2B'
MAT=8SJ#5W6%!)19=!/I%MS7>%"A V1<XP-_^_KKSIF!RJQLRU.7BL,+UD63G
MVMZ<N@#K'U$8QR15?XW"F1#N3FGI#;&I@N=O] ?0F$M8J7,CJI6>DR[S*HQ)
M2_R OMJS(8'=A@0>B(6?O+F@6_[:"]CK^@:/_XKL I=D6>#??Y;VJAVHP,N1
M>$<[ ?WU+V@\B&(VSH4I#.7&;^I!3IL!F@'.8H!'(2J'#=H\]9*>:E"H>:I!
MH>:I!H6:IYIC;YXZMZ<:%&J>:E"H>:I!H>:ILWZJ0:'FJ0:%FJ<:%&J>:HZ]
M>>K<GFI0J'FJ0:'FJ0:%FJ?.^JD&A5[D4\VQ-T\]+@IMEHUSI_A_]6\AC&FX
M%Y>4FVND*1_4HJ&PY?OBZ@X V?[!R(\#M,].-%M8G0$EX?>.#:Q] /0L*D^6
M[:N&%22'_;X]&/7VK!]9CM6/5D&UP:NSPZO!:&*W5<F4!J\:O#H:7G7L2>=\
M\>HIY*S]L]<>YZRNOWSXQE4V.ZU![]]V3PI[P5+8H-4>GBRIZPEZL#VBP']U
M%(%_EU[B#P-975#M,KW!,D:=X0,D_A?6>7W8']F37O\TG=>;,RFGF,/Q 9)F
M<R:/>R8C>SSNG/^9/")SK*.4-IP\1$I[.:RSWYKLPB_/UBS[F)UR'\.Z>.KW
M[WOG!77<V6_'->1=';L[Z=J#]N@P&\/I^TWMO) &@Y\K!G= 3SG8^MI@<(/!
MI\?@WL0>3?;5(.J&P76451[A_0?)N>IKA0!]+O]\&IWC7-\W,+[8QJ\9^GR&
M?B'OGZU>_&C>B_Z1O!<OQU'VV5FK8*5^$ZST,IS_HU[/'O;W=;_4Q_G?X%4]
M\6IXD NIP:L&K^[#*W2#C<\6KYY"RJJC&ZSS(#?8RY'!!JU>$ZQTF+C_O@E6
M.BA8J?\ B?^%!6%,^GV0E@?G'X3QC,YDW 0KU?!,1O:HOV\*3 W/Y(4%*_6[
M3;#2;E):9U0?*>VLC+(?&J/L7D#3?:Z'CV.8W8G][&KTJ G[&?6Z=G]O,:V&
M1H)G=";#<?NL#8+/\DQ&$WNR=TQY#<_DA1G3VN/&F+9CYM^D/F+:\8UICQQ3
M_G@FH1.]OV,8BNQR7XQ$>4'1CL>$1PWY'DB'G;8].C3K\!A@>0+#QD.7V=R<
MYN9LWIQN9WBXN;6Y.<W-><$W9V /.]UG?7/J*/4]POL/T!A^2APX-J,K^M/@
M8!=QT,K]K[(_NP3"!5*0MX-AJSN T=6'A"]O!WU%;+S !6WO[45G3$D&1]C+
M9B?ULMT<VDF]H_M2'V&IQ9[DY0LUP=GIM(8#A-3WA; 2M(+/180-R>-TMK#\
M$#ZP7+B\09A8?Z2P^OG:FH>1%3L^/B^<9 G@IK;ER2*-K4@L'2^P0OC_- (D
M#.CN.]@!?>KX3C 35KP0(FE9UF5B_2)F;$SN==B:;,,H B;P_? .UFA]C;Q;
M>-EZ[Z8S!Z%K?8(E6<X2[DJB9Q/!+,5A8!("/OR;A#A2+/?$EOWX;26*+9WH
MQ@N(8$T,Y"(0==M5&'<<_-KET(IWI?3BT$W6)(5)\ P[H:]B\5;]\DY1 2^@
M2>BE=W+_DIP/-C&6[A9__>[.<Y/%VV&G->GW_^UOVN@@)^9O.RU8]$^;G_<[
MK5%W4/I5N]79\_-)=[\WJA;5&;;&O5&SJ!T7-=XZU'UVJ%U%@P<9HGK[&:**
M5[#<$'7]^><J@O0]2N-D%_/4X[=U/XK]\W$ 2* "" 8S;^7X#;CN =>5L_(2
MF/POX&?_;QK]]/>/N"[1(-J.)F-$MS@'JW.D3:.==OSZ%^3O46R!.)0LPA2&
M<N,W]4"49@!C@">*IH&E/+]R[ _V<Y^;#>I,DF#ZX[X]&)ROW[[!JWKB5:]K
MCP?#!JT:M#IN&$9G9/</+?[U4+QZHC"-4_#_IZO._(Q2$P:=X0&5Z&J8FO",
MSJ0WL+OCYDCJ="0@7MJCR8G*<C]/G>WQ:K7>]\X+BB)X!G7ZVFWX;W!@B8/3
M1P(TE29?. 8/QW9G[]S/!GT;]*T'^@+Q'4[L;KMVA5(KBGL.SK&XYWG6DGS^
M0S]/R?MIJD$VYL=Z$O1A?V@/!DWF:9W.9-"U)\/SK>+67/6:7O7)Q!YT3H17
MS];3\)2EU1[-A/K$8!OW.W9O\*25PG"'YV+0?N+30(6NMR]9: [C<0YCTFG;
M@\F3%@>3I_&,M9NG*ZOT:%+H4].$8=?N#9\TB&I/HO"23F,PL#N]YC#J<1@C
M#-B9[)NI>HS3>)XR].-55-G1]M=DEQ\3'C54?+MV9]"VN\-]@S>/")8SJ\NP
MCUC]:+>H)MC3&8WL7N_  *P7B#L-U6VH+E/=7G=D#]L'ZK*GNCGE=2C4<K>E
MYC^W8A#=FA2#^"96D8@%EEB@.H_BC]2[=7RL]# +XP3K0\P!?V(J!7'KP"(0
M3; (Q-S[4[@7$:9(3T-XPK;$GS,_Q3DL+XY3J@"!8\2MRF(,<GUTC)N E(GH
MA/#F6Q)MV]DKSA20-$TV7]DO+]/ZU8FB\*X"RIV. C,-]Y8R=F?W I[-)-:'
M,%I:G?;%/ZU__S_C;J?[;LOY/WB!50FD7%_B^M-GZ^K+MZ]?OEU^__CE5ZHL
M,1H4ZGH:/Q<Z\F/EW(B+:22<'Q?./!'16\>_<]8Q7FWS'L,E-D^VZASS]UW>
MVK]3_G/98C;?E(@PA#F,L<8%FM#MMT:#8U&%3GM_).@,8.-?(W&!$;BFI2RN
MO!C&=H9/LYVM&/PU\N#Z)R'%$-O6G8"[+F8IEE]QX&/4,8%0O.JT6[VQ-?5\
M'\LE> %9!LVR+%:R<!)X/0(2,IMA91<8 2F+$ULQ#(AU7>9> *0#J$C<JB@<
M\ZK7&O7U-# Q%J I+]< 5,D+%%6"]X8]\[V5*E! ! V6/[*6V>)G1E*^)_/Q
M;5Z\488&5NY8\%7J$['<+$73VE+OR#CF3J_U>*=:3@B^P&(CZ^<020K"YQK@
M.!-G@Y2_"0MK B58%\CUXEDD$-Y.M+;28!8NEUZ"V/5!@"P#)_R!N!B.$N,Y
MP=.N!ZCH)0MB:V$: [.*X"!7(6W)FCK!#T"?NX4W6S"."\21[D#CB)-A)XMA
M"D5;%M984CAC$8^$.^, YLP6 $08* PDJA17Y,6(EC/$K 07+Q=.]9<=*P9N
M[=!76#TI\98"7YVJ([0)D7$(9TV,VG4 VBT+0*5*.Z6)ARA=-3LMRUH++# @
M !#NY@6D.9 05/-U U,&]< 4. < B!<O$+"!HCX*D!^^_8S4;2E$8H&$=N,!
MD?"2-=QK$(<BL23YB.C4#"Y(+&M.(<U9(KY=,?#T,5AS9\8#9.,3UQ^]BZU?
M %5I[M\ (N&=]1H?P&^[[7?\$?W1>?>&T>C^23S$#!#9B,BMHO F<I:6<PM'
M3S@ BW4%B4HA#.,%<>(EJ4&.$2WAW&]$@!?%7X/ GP::#L/5F<&-(#D+"++O
M9RN(U?;D3I;8U&LJ0&#$4698IB+!(9&"$@[. /(KN$8W<!?B6"07J*#0@;C6
M,HR2&Q(O^#-B!S"K@#L(-/9.P,SP;R69ET>")^G$QN1T;%5+;EG_4+NVS7=
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M;OB(X5E 1+B(\A4;)"6?^!D>J/$@7&*4H239I]W/4)_WF:, $4BWD38ZU 7
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MY#FK]CI5VZ1B%O3H">4"A",*PD!=D]?PU13X)9[>&Q8&I;*:G0G)N1P/3S5
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MJGZ$,7CX"1(?XT_J*(D"FI&]+->A. G5_LZW3[X%M _AXB?K%>==Y<HN(8%
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M+&I"'.8E#3XZ^O=6C2[#O'0^3LDA[Z0=UN(D+ZV 7,H<_HP4$"6P/,F)09+
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M_=VA((!E*D\3!'#,!* +"7#4!'"VJM&[-SL4!+ L[F$) CAB OAO1:B XR8
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M9G$QM.2GOZ8F7+;))*,Q;&^/*TMP7:.ONSA'$X!!9PI$]"J422A7LK;F."3
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MT?4LUA,;80NL)Z>)?B@*YNN0XD!9+,"O ]C&3VIIH01G+V9;&M\B%O*R]71
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MF#2OE$Z+6E1KL/?"2#\$B0J;.!ALZ(>P"3FOX#2AX Y+P0&"6UM7<#L^ SE
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M50-4-S-]?#=@3CW-\Q^Y]MO. !*6^4:X?^M-Q)^=SL^7* 06..,;[=(_.V+
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M0T_[<2L$X$.-7Y0:8X$;=G@\0,Z@O[.(0$-J,P23P$UAMN"F] W\[G&.\?I
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M+-HSD^3R+D0:KV)X&W9A*:A@/G),D!YBL;-&XNZ-D$ \@14.EA:5TE%J%((
M![LU=YCW1E(J9D"!=4?IN>0<B?$'R87Z\#J7("J9(B1Q^BE/FX+73R6.C/ Y
MGBPR%L:=F9*0DP&S.3M54GE6RYZ>.G1%$S%WCD;<N&:ME%B_SHLG]DTG,<R7
MH *8I8')#=8\'2_V=U.9F-E@XQ;Y'&-<8*8T9O(JO1\&J$%0A!1"D@#W"HS
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M8B=<H550@HQ?"C4EQ(S@AH/FAM8.N$%';E -6V[IK9IPPZJ&6.U5XW7P2OB
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MY-8F1<XE)\3T;BY8N.Q01K)#/SG7&NL/8BV'@^T6W<Q;B> GP4]S;.C5^<E
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M62M,GCLEDN>C)L#*%(.\#=B(!0%S^-!RT[B'&['0^&Q\^-M+(I*-YI:09/S
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MOFH2:XV@-8+6"(?4"%M >%Y)(S00;MSJ-<Q.:[4]52L%K12T4CAH,KN=9]C
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MH(@HVVR:[48!\1K-H"? H$7FQ0[(E]2\V.L5-=NA1!9.=D1H+PNG<0@+YYI
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M?KDA&:#PCE,_P!_"PEHUF@P?FG1=]L["Q<H-(]^Q%Z:QQ"2F\0P_PW '3^2
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M A;VGWEO%!4;B[I>\A4=F<4'B\)^ HL*F6UE?:2GR<A,>W/TKDMVZ@R\$?!
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MB;IE5YM(< AY\U),/#^\?9M+4DQL[.WM>T_02T"MQX52QL+300>[HV(5S-M
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M=QF'S%TNXI[2Q]8:]].@1;G+53IIVE6T+IB>E57 [&S0*]6]4FM*1+:"R5T
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M&=;D"G>2+92E\0A/@H,)N:C!XW4-BT/-.ID9%2GQ%5,.3&[9DH$(H9AGF.3
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M<^? AS&"6GOSA>N%6$, 7[BQ-G4C#7ZYG"'PY20,Y@+K]Y(V!3\#7@]"7EM
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M'U#FG)\U5W[G/C!_!++&'<.11S25,1=<&HHB;X+Z"M!4R,@^DR/+L>!!%$%
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MJ<;<T$?>ZF@?V,A=PA+X0O#'E8O7M2>FX6^;G;J.OWR:PHVS.FXDY@-7C%2
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M!N[C,N)4R;<Q2[:3"2?9^V<- <;)WF2/W)\:/R]0"09RG; Q]WEA^ DT#7A
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MF8TQ/7^[K1VV(.L5FTJFMV:6"U!ZB0:0D=B8P%^AOK'[')6EPR)#9H0[A8N
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MVT[(/-T6ZXK\6%1Z*1WZ0#KT&F.WRJS-&KY4C/>=P5Y$>$74O#^P3%PWS+9
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M$F&61!LPX*7=I+.0PY;(L,DRI$G #3A:1BBT&I0W)TRKSA%H];./X'H,LUJ
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M$'X+TG_^&H!("OZ,PP7V-H*QL7#Q2Z$LTFJ&;%QVDMEU 5A8^'W+L*UZONJ
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M\T["9+&K19@@I4<(PCS0?%27Z4Z'"H)>/<)$J0TB$ ;R=&AX-K-T31*$=;:
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M-UFZ5E3MZYLK]&3W>D-/KVTBE<N[)N_YSKULY#%KC482W,! 61=ZM2<W1,=
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M"?T7#MYCUEDF%_"JI^?@')EI<P%KL"^?A@OLJDDU^:RS7_%2N2U5QB(-<.(
MIX;2GS%MZC@6K-*FZH06'KO>%[M*ZY36CUS=I,4B2#4)J98BHD#R76IRSIX
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M\7H'(,\CN8G(\TB0(L\C.2RZ86(O[WY5UW*M<\]C0;V TTSLY9U ZDX4*QO
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MU-3B3IQ:P3%7^'/"]J+B$5?L0DR4_PBFZ;UG;2]5^LI_@FZ9[>#_ Q4E7+S
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MZ],L]'@ZS+.ZDCU)_"'^M!9LIV'\NF8RVY8BN93H0_2YI! XS>D-'4]C;OT
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MSG\Y_R:"5:S#OH7GFV@73D/3T#0T#=V=H5LM'38.?[9XM'T/_"2:P23S(T[
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MD'!SZ'H:%1<8,V=@^L)G'A=VD>$\7F0#0916:8)=XOJ:>WRU^M.A.>V<P3V
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M)8GX6)"R]WS )X_0QM05ADF! <J#\1P^\;=Z'@KKR8N=-C0!IP!4S ]:H00
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MQQ"S?J:;=LB)4NX (I6 GDBY34ISC93'9I8Z"7>VX]JST!_8#=H1."A'L(/
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M=2;ATXMPNWZ"C1N_D\#_&?!%4"Z\]LPSB@S1TSI"M^=!%'.5/0CGZ!5PQ@
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M7EY4]C#BXIOX%&B7=0I'>HQX3GC9"#'%P+\__I*([O'_X!SQ2"U*.V+38#!
M.8Q=SN8QR$$.0K(>/A<)&^Z?$*E5R1D,LPP;YC9(<999(@0<5*Y]+](D)()(
M93/=)8;4/7"O1#0.KTII E:VR_2FM^7P/O$QPE)MSZQ[C# <%<2FE'P'0!S3
MDG,B42W7Z-B88.TU9W<.AK,,"I1O28/R7:+4R0=E[QE4>25;W2@K90N"<>O2
M_)KR?IPE[8=NGSJE13OD;#?OQQ51J33QQP;_&=J.4M+=2I#2#IV^CJ(XO7D
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M2(G055%.[:E]!U0!H=^[(MM%]X3#AZ4G.I6.D7V2M=NUYCFRK7DG-ID0:(X
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M(1HG':*'IJKM&Z42K3A(8+EF43C-U(;M-=T4>J6GQIV'KHK#Y*)-+K8L4S5
MLLVB),1N;V,^AOZ_\[?/X3 =+6P&A7;Y$5I;-0D>X< \3ZN;;!Z7:TID]BE
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M@!(E2R6!..')FTYQO9Y/XP'YZJ5"/'%CV' (1#$<XD)@ST@K;B1$."?^Z?E
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MX0JX%X[E3J>O(KX<O/A"I5T+]N@3B+LUTU;)&[9J/A[U9\K\OGO1C^\DAKW
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MA+'GN_X0N3T<.KL,+PE7T^ER!5&VO70G,[P9^T2$<8*C4"88XY!8NX'J04.
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M#&LAYU<.@$GD2E](_MF-[IK;NYN\5P1LR2<2WH^O5Q:QDA&$9=@P*^@E"$>
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MV&#QKHASCEE"YXDXS211_6#K9DFDR^K%0"]VEN>2Z$3QHG8H<AM>:*"A6#U
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M3.(\SX0_U:.G.#KRIWKT%$='_E2/GN+HR)_JT5,<'?E3/7J*HR-_JD=/E34
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M"4,GFV*3PNP) '(5LC4T-739V&QK+!ES'K5RW//C:_%>+1[Q:AF>JR2>!"%
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MJ&[=V[U* %7IVQ6$:]<2V^\^(3F"Z4[M^""!H3!BF"4+H8-H<4_#I3=)Z*/
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M,RJ_.+KVQ&4+Z+<3^N\.E(B[A/T2C%N=:T-9@_=[@6R![#;&DNTOU"^Q,(&
M?CNAWU"HU\Y\WB;4^T*H"V2W2*C73M#>5:A?8B4( ?UV0K^A4*^=:KY%J&M*
MYUJWA507T&Z+5*^=$K^C5-<NL?:&@'X[H=]0JM=.[M\FU;662'61P'^ !'ZV
MVK7K\3<;\+<?/5HH-=IU8:%Q+ZK,8]^.%X^[\S0%:PO6;LF%C&;LZ;L3G"LX
M]VUS;KLNG+1#5>,1K"U8^ZVQ]HDNU+1]HR0$YPK.?=N<VZX+0XU[2UG!VH*U
MWRAKG^I"M+^OZURPKF#=M\VZ+;OP/50I),':@K7?&FN?Z$);WSM,Z<2L2R_"
M_XBQ2R7\?^0]7V=K^9',@ I#]F^DG^<G+EW<?]&?L?4-PC\6^6KT\VU?9J2@
M<_3\$?'C*TWKL7(8-9Y+M]W0>QH@8QY$'D[J*B13NF$?7KQ1/,D$?N&YE+3*
MXA%W (1,XNI'5LG8$-#2#S<,@Y<*7*MJ!FPZW)47PYN&FZ&NX0PU13.D+W#,
M2*K2_;N4'R&,7H>88%5:.)V.M.'-JEZ1B,[ES0_?ODNW=_<_[^YO'K_>_9#@
MOTUSJ4J*YS*7+UW+7(9L\<])7OUE[CZ1[B D[J^N.XY)>.5.7]S7"%FQ +R9
MYV?#FP:\OPJ@,S=\@I^B7+#J\L_R,T51,016)"$6I4%QL. ;*GN BE-W'I&K
M["\?1EXTG[JO5YY/R4$?^I".GC(;IO*N%BW ][&OTV4Y9D]A*TL#<M(7IXON
MP5=_K'^N]TR[7_J-TE-+/Z\:R=%[AE/^5=50U9^;NK;QB2V!1R>,+U*56E4@
M5+-7([RH_>O .E02+40E?2<NEJ&BF=C2NUMVU)'1VAF^89W+N?#+Y^G& Y']
MN7+"YCT?;;NK,>6%SN@FSC_6<VLF/:=75!QU5:7)ZVZQ,ESIFD=W_CWVH0YA
M$1_=R(O^](,!4/09%_#5GR<P'@P\!!6(SNP1WO!Q&@Q_%50@>!4!S6B.!V:8
MD)(CM.R4Y[W+Y6?EXX2 13:=!B^P0"F5:\D,I!0,$DDQ?#V<N/X39N-+ W?J
M^D/XP8206!K"J?"*3SU3D+A1% R!"&0DO7CQ1)J29S*5=&GL^? 0'B.%?'[Z
ML <_=6-IC$!C8\#.NE*8T1O>!P3O2=PT),Z$;:B6+ [?(Q\?=L^V[<;'1[^G
M&18OH:\V.SXJ3Z*>JMDMFU._9ZAMFY/=,[3-QZS8.]Y[IUM\M"W<N\U\MRTV
MNY%_B-\ JKDZ0BJE5@:I;:NOJ]Y-U**F-;[Z>'[4T(O0NJP3/RZ(N)F(^A(1
M:ZK]6Y#;D+3G2KVO_C.)XN7"2 U4\+=%E.,9E(=:V3^(&T82 3UW)'TB0S(;
MD%#259DJN>]&J"_"]Z"?QY,@@3>-HITLLUWE6*M1<?/L>E.J;G\)0NG!A;]T
M)4JX3V002P]H:U#G]>%$^L70\C%T<9) P'L2>:,$3+JO.#=@.T&^&N2KF7GV
M-JA1QIB"+P5?MH$O=ZO7.=I-*6]!X>*/S*\G2P/RY/D^8BD82W,8*QCM7FNS
M#CWJI\+7I>Y%Q"(T6W$+HPT:!1OHRN9@@]PS7[B'^,N+)VNN^&C9%[_LN*=N
M?3I,DQ@D7>-;=**!D#AL.0K!G8([ZW&G>DKNK-'L1M=Y]942'"HX]/PX=$L8
M[NGYTQ#\*?CS[?*GH6\I]')2_99S47O!G8([3[[49MRYI53+Z<]/"\Y/1;;[
MEN!0P:%OCT/;;X#:9\.@IVZ\=Q@T40^^].1Z?O3'NVD .QF]%QWXQ//B^?TZ
MT(UVX_M"A';Z?!=_7,C .8I4^.H/IPG&S'B^1-P0K[4BZ5T0I@'M-&+&)S$&
MKI-X$3+#87YFK[]Z]5@VQ9+</!3Y7;VGE@1V#]R(X B=ZW?J^Y4<B1WNYC9"
M3&N&C%*=Z@PU#4/?4OV-HZKQ-SBMOL%1E:'TJ_\YQ:A:JF/T,6B2DWYQ9#5?
M0*T,:EN*D9T0:D[GVK#[ FN7@K7CV4\-D68H@#1'(.UBD&;H6RJU'0MK]1W@
M!N>N(@*'K<#AEJIBI\!A#4^2H8&6)]L:KYM2 <630W%+(9VV E%O%Q Y^2WI
M>^W6^2^7W@1C#+O>[^[$&XV(?T5WPUCV9@3QA(1 A]D\)!/B1]XSIN?#OTF^
M+P?R?6YBXA*27PH3G]8Q<(?;?5O<[:]TL_%7I<QK=J[[>_L*-G#0 4O?"?2U
MS5>P&7T-%&V+=S5' <V30_.4KH7&8M$68O&2L'=:9P,WL=@78O$"H7E*_P,W
M:'*OORR@>7)HGM(?P0N8IM(V8!XUON)HN'H@<3PE=>O,"+=@2ST*A6UL[ @T
M570$FGVG)8Y  ;U2Z#6K[K[N3XA@VO"WMH)0ZURKLN78^_9%%_AK@>@[GL]@
M"7,EL-([UWU'$Y+M4I!U3(] I3S;HKH:(MS@ G%W/'-_FTPS.]>.;0AL70JV
MCF>O;T.6U29D76@B4PC/C@FMYAD'60E]<9M_OK9WOJ-?84._X7[JC=0%[HUI
MA0NV!?@[WGW^OO@3MU.7A[_C&>#[HD]<0%T>^HYII.^)/ZMU]TP"?V=EK.^+
M/WZY*0)_;<'?\0SZ?=''K_2MN&6O9?0'28R%M_<Q^X4GK5UF_UT2WXUWX#U=
M7!-<( !/8/?O"D!Q3W5Y #R!X;\K_+B7)17P.SG\3F+Y[PI ?ME* H#M > )
M3/]= <COYD< L"T /('MORO\^%W\7,B-_X%;;Q%_M&?3K0T^MVW/O*'2R<U6
M?.;RQM#;WAS$<C"_P-H_OZ#1OA[!]<VIMKE@T MGT..I!+LQJ*UTKDU=UJR]
MX^0%APH./3\./9[%N"-_JL"?INR8>Y?J$OPI^//\^+/5W6-M[E?H@CL%=YX5
M=[:]>8_-K7NLX%#!H>?'H6UW$-G<NL<>G#]3#W4V@W1+'-KUAN?ER1&>+Q!)
M!TJ,@@3VN5IXB*'%T&+H5@Q]ZFNRPYQHM[1E%]:^3OR0P!3^34:LX9^4-?S#
M@T6*)R2]0L."V#4*9M.G6 <P:4*F(\F-Z2#I=1S^-23S -;N/YWH<NY2]:M+
MTJ+JQQ9356A9.WJ(O>GTOP%\?^;8SFKGW0V]4J7HPBI\"Q:X!!:H&]V\ PLT
M<+E=8IEQP1_GSQ]U'6%\#H@+JW4N&.#\&:!^^/=A#XA++&DA^.,2^*-NK,%A
M^>,2BVX(_CA__J@;*7=0[NBWKB3(49/B:;OY(CI*NM7UU3/R#)*T1:+T#GXS
MI&-A\3W))W'J%GR_AXN0 Q7,7M^L08@/\R#R$(57(9FZL?=,/J"[N*OW5'Q\
M%3UN1'"$SO4[;5%"._T?W6->10?VSO(Y-\%;MJXS%[P-G9M1>E4\NENY!6:L
M^M5?%\*-)#"_F*KV),8)-KD$-FGD -V)34K80>]<&W9?L()@A?:P0B-?)R]&
M, 0C"$9H&2,T]'D>6G6ZQ*HJ@DTN@4T:N3[W9I,:<:=]"Q.3;6WOL%/!*8)3
M3N0$/0J?V.WB$^H._2/&N/3,EP5_9*^EXWC^B/CQE:;U3!J;S28X"/]8\8$5
MGDMGU44.@%W$![.9=NF$TM$^%%_05?7"&_;V VK;P*15NP&U7G^C%U!]+\%_
M'-V6_1J3[5Q_;>B)]2(6Q.E%)/>]NC- 41Q)(1EBF"P="S^/Y@#:L0<?X'LE
M+R:S["M@*1KV[\8$ 0G_HUUO<$06%7IU2"!P@AH?6-7;IQP9E*]R'F9AR?#F
MJ3N/R%7VEP\C+YI/W=<KSZ=#T8<^S-SPR?.[C%.O2IS2E&+LZP\OWBB>7)E&
MSS ,E)#I_4;Z8O:MVH.I_;'^N:'W;,<N_4KIJ8T^AU?89M,G2C_7S)[:<*@C
M3:J_<:CRG!;5+$MJ"8,7]O="=:^ZR3;[J!E-*S.M8KZ\,M,_0"!%TF<?1<HG
M,B2S 0DE794I][X;(=9IGR:0*$$"[QE%:\U(RQ2V1DEY^0#.+@,TV;MEX;,M
M4V'#Y@U!X)'P]-NG*9I18S\N:L'+)<-WO1@^"L]R/Z>8)KWM:KJ/.@=L%XEB
MB?6>E[KPEV?X]W*;\QU2/&J3KXE-UN*TVWI;TMA::V/:;4WT-?%X&,<K6Y'9
M=IFV_=7_G.K::JE%AR79]HX=;BI,#NT0$6PIV+(.6QZO7L5&MJSOU'?X1:0=
MG&>/E)S:/L7#68V)*_N-UKG^VW+@&J U0N!XL4<B&5TAJPH*WU34_/FSZ,UT
M"/;7V\'^)6S.)\ZC/2'9 FM:.[#6T.'O&)P<_N<5_WQ\@_XQB-TI[R9@-<_^
MU$N[6FWBS:J]^]'CS"552U3B$E%DPIGH\ KYXK'5QS-D=YZFD 9"&IQ'#Q.N
M6@OG<)Y3"8O-X0W'OIW6>G;-5YCTE^<0"K%(B#K>]3K\=U\(7^@\;7,#=&J'
M,O16\KH8^G\D,YCIL'IK[7[9UEKZYHUM AY5L];&M[6U\?L;!U]:S;K:LC$X
MZL8???/< 0@@)&M)J!3\X$?@ATN""9^G\NJ1#">^]Z^$1(_(C(_PWH_38/BK
M('+LCD1 $LTQ[BA,2*<R$DFW>+&&JM0"W.,$"Y]-I\$+YBRRH(YY2"(*'1H\
M TSAC8%!_!@.@X7D!E"AZ):2:!%HDQ-(>LZ($V7!.6DK8VGL^2[(>G<*#T5
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MX0BB.:%B@XZ:L6\ZSRHW5-E.5;GQZ 2J$:#QNRRH>9C^A4X&U%6\.7(!NN^
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M1R3@(1^_J;:U0J@2E6$S)#YYH/X1_!1.NN*/;JA_O525P)I:F]2>A@NPC[X
MLW/=YZFV&?W^T==@@3ZW80W+:A=5<D!(HLCL-?"P5AX%^^H"1CMU@?Y.NL#,
MBZG!!:H LV>?B#\$M0^W=1K@94.9-F"7:0/VNC90>($L+8W/D/JWQ WA& (!
MM%D[J%0 [%4%H+ /JL%_(QJZ&POKK^-A,U<NG$]Q8?77A/@HU=D]"OP?U'_O
M&;69SZ-DR,C_+7#++R;QXZ$[(C/ 'AXD,K-A\CL9-$^H"L(>#="3BH]F]ADL
MV@O)\AB@D*#",IS0PV84T"L8Y@?%"]1!$D8D-:"FV1UM=GY/"Q.-O1F]7,.A
M\AG)$@@KO%6+B3N2)BY=\##?M=RD<Z5Y$-*UKXSL2E,7U:414NA=$B5,HV*O
M!!TKS.<"QWF YA^9D0B?@"6C&D;^E= 7@2E)/X_>]R10(^'O'K6DF"V(^B,8
M8%X,+X[0ALJ)2$_?]"8:#GTO&&77R/3"$!X/4MLT'2#THE_2L^?2A2Z>#0:@
M%+#M19OQ-VJDZ2-XV3<%>Y(-7/@A2.7$QU71FRBZ\J'K#\ET2BW. =K%L'UQ
MF2(!\YNX#<^JY=.VOR[.\N7<Y9/,#R"G(+^PDDQ)62=ID/H28,N")*;1*PC/
M(IWHQB\0$J5:?,%J3R$S2L+LXC$D,]>C^GR*!23!'_"'N0;U3;2"%^]!+JNH
MA]ZAM^V;QRZ*01S?$]3P2>EIC85&UM/RLN,:3VM\%/X_1-\_#5I(0WKH6Z3"
M:[*8'NHL0 2#J4,H8U;!G/E&$A])2D9%PO>D!T*D'P'PB":G+WSPGGQO[ $(
M8^EF.$11@'OP,P!QC;Z,]"I,NL%K840JE3RW[)7?V"NSW]R-Q]V/[I3^ZF%"
M2"Q]1EZ"$Y$]5, $E8<%69\M$X\X.D%+SDBRZ<WX\S^SE:Z.F<^K\A?96SV?
M*4SY-1=]%?J?&9?"#YB9 ?_JG5.DR)("<2[G:>K= ];P4$,&!-,#"P3!((G@
MUU%$^9NZP!-V)'@CSZ6N-^HX T$$/YNBIVX,,ME%+, 6!R%S-1#J!IP3)JE8
M!$=(X.1 G\.4/&$4PS -O8 O4]\E>@3D-&2)/I?^9 "O@[DCWPW(Q)V.<:+/
M,)L@B:3AU&5,.<:_@ERA7/@X 0%0]8[,(3F@X4P8^C2%.<%?G[V@$&'"/(?H
M_P^!7>A0,AZ8($)CJBPR0Q5A+A=N"S# A/I/AR2,72\[G*NG([.),RNXX 1!
M3P>)<7M&[@SS4M-IXWI#E$KNDXM* IQGI3NUSD9M16-, Y&89S;3NE)'K+RV
M+$9K=SP&\0V(HD@#,4\PKJT@1.BO1L$PH2H3A@N#]L((Y?G/J,D\T: 60#!@
M)KM BFBTDQO'0>@3T.6>6&R1C*#U(A8&D\I[-!#2N8PP*CF*0_:UFPJ##(7Y
MN]/]PQ46)HIJ3E@,%IHG(:I';*[X#(V_(;A.I$7&H0 A!-20I"%*6: 3H9R8
M*P !Z%_PM(PO80 =4LKB[^CEP<L$ULT\)J!+Q_GX/>DN"?.7P%D/C$B(GUV"
M43N+$G] V-&9OBF_DHA0F1YYZ4(&+  1\(\T@@?0RT[5WHP^9X/7OY@6FX>@
MHVH:X:6I%TTRS8-Q,RH83PLX%C89]A[U:J ^1E;&$]CP_+,YCN$S=2,E=0JI
MU'()"0L1!2$RH$HM#LZ4<_@7J.IH+I4\C0_26+'JAXOVS/JBFK@ZCA!,MN15
M*201-43#4<)ZI.T13WM/<.>(I^.&H6T)B3MH1-Z7KJU6!SDU\;C9N<?M4*%1
M97%-C:.C-CQSX-".\@U0G9[4V"?X%0SZ&7ET?V_T -I*B0?05M8]@&PX"<;;
MU<?'1BU[F99G=M9<V\-P0D;)E-R-/X_'S,.<+_<>SM-[=-$,J;(#,WA$(5VV
M]K5%MO@ 75Y2'LZ-RE="3T>:]#4F(]2]T"# W8K=WYC5P'0.5(1(1J[\*WKF
MIIM"G7]4(TEOF-#&O=I?Q:@3VE_"LX=.74V#:HL9C\<-@;35GJG934,@#:.G
M&IO##>O'1JJFPR6:4C5[MJ.+2=6<E+E/M&B*2WHU,H\E4/2\D83LP;.$0=/.
MG_U:X9?_J+B4KE/39.NJM_6RW(5L3""=GG"H& LB;2>2+HBTG4@:EUIU1Q%#
MW ]]2H.'7&M"%6B?@DH[8JE&399ZY+V@:BUJ:;!5IO+74?1OXB],_\WW=^G'
MI9%7-A9K5;E5;*G-%&=2RT6PPZG8P3D-.^B"'00[M) =EK-2CL</AN"'W>L<
M9XX2(!RI5J<OZU='ZF5S&J69^@UE6KHA&.?>Q@'+.>'=?4%4;5_6B=<J&-81
M>G37;OS1MP"6G?^.E%<OM,WR>+JSZED@(%2M1QX!0MABM;>>V2 @=+X06M:]
MCH A6D1U[]:0G#!TI%X.QT?!QRPJBH7J1OM8.OO:,^?".>^.?H##ARRZN()7
M: C\NGVR5LNB(5R/56U; (;W<;T-,$[G6BW1\01@SA,P' [G+8CI*XB8]<R1
MHR-&>!N:>AM./T%!DA;\2I!$D.0->RYI^B+U6@H790M=E'1[;FAY;9K_6*Z$
MJ&CGM**KI/ KM<8U60\Z6"1(N"0O"CH<K)YZV-'+W2MOUA79-"AQ=??+@Q(_
MK^4EG-(9F=[2IZ'\.FS4*$@P,8#>U+^]T(L=6.TVSRBYRQ-*RAD, RPX7!AQ
MW+KS";_8+1QI9^((?CJ9VE.?G_ *W]S_#E_PD^"G,^&GG73!^@QE48:R!$/Q
M:06ZFCM<7?/OY#FW6(>W)&/VF17UR:OG5^3@AFD3J!8&NC8MLTL3]UN7S=%X
M%?TV!N$W7H6#$<EKTFC[!WDIX46U^U%"R\KDY7$0XFDP2-Y###MD#6FX9Y0%
M@&+YG/(04'FW"OTK-5)VK 6 Y8\"'TWYNW%.Y,^_L4IZ5A:]JA2 HYQ1*8"O
MB^1^PE9'ZVYY6"\I&#?+UU_*33SUPDZ:BZ_#>ANW(S*,GM:WN.2%:SW#[O/*
M,-?Z!J?.1K;1-%'^W":U>?LN-Q?_AA8169+-M$['NQ'R5ABQ^I-!$F&IMSJM
MD=Y\7K7(T!<9^B)#GXL9>9N$(=-5@V<O0DW]7:IBOK\Z04:F&/D<1^84T$)]
M+395A]O'**EUR3NP9>]KY790YS_VN:%MHWMM]R:(:W[15,2F %HSE>MY)O2"
M#:UVKM6^*JNZUI+K<L$'@@_6^FL>G@\PW,@V9<=>[XTD^$#PP>G. ^7(C("Q
M4PHP@FFTA!$XQ4^U6B&DF;8BE?,4JM12DC,'_C$ZUX8NFPJONV>1L7=R(-73
M17@#R00@&;)J[JV8"R"U!4@U#W/>2+( 28YL:'NKMB(E5*1Q-62/QR!VI]*P
MVC-\RNRN"XZZVUD?J@C":"YU;# D-$.V=%Y)/ >*LVMN:Q\@2/1- K*>7L4-
MD%AT15-D57,$( 4@]]#/N"$2HP)-4];[O,IF'0Z1+<AB.PP^/I$Q";&['>];
MZWWO3,7SXF98E#S8I>92'=TW@DG#WU8E?"8-TGW@(^EU6#TVA).5DEO6^@69
MVG.Q].;AM*:Y'AE.6%=#D:W^ND='P.D,X;2N=QX93UKGFEY^KYOJ1\>3N.X3
MSO7CG/'EY8WW924=3GI3UIP6E%X4H#K^27\84&&]#=G4]SGN!:9:@ZG&Q_UA
M0&5BR)ML.?O8).)&4-P([G0C.-K@=A-7@JW5F;@)'^PX8LAZ24Q"8XM#7,-<
M&BJ;*EW<4(EWUKJL:>NQKP*5;QZ5C=4V;K#L=ZX=7;;L?3J&O(4;PL/4N?R9
M:RA8)\5;*^3!VY%3,YF2?R6Q=NB']=,]>-*CA<*)8VP7-TF$?6@<1=;5O2,6
M3EE:;><$9BY5 P5_"_[F'"K'B[]5>D]MR8ZR=]%^P=^"OP5_\XH\Y,;@F.]O
MJ;)]]@=XO2JE;+NO:8VLM1I[M;'PZ,U()/T@+])],'/]FH6"ZM3+6TP<\>#Y
MB<OJ0!8J *9/&WI/@Q?,@\C#GUR%9.IB&<NT%%X*N<)SZ8XHBT?< = _B=<?
M*3>F] IC2OKAAF'P4E4V4-UF5%$R?.EF)&ABQW%YM:U)\-^FUQ]TY0_?ODNW
M=_<_[^YO'K_>_=@TD4JY5'<B=+@K+P;F&=;"9E]3M0\;9F0J=M]5#T6:-M$"
M2\-)7T"Z2JK2_?O)T%*$:BHL"G].PFPR<_>)= <A<7]UW7%,PBMW^N*^1B@I
MB]5$/3\;WL1BS56RHU!UU,KKB59(T?)GUFNT897.HU8'=<R>HC2N#JKU^H;-
MI5"E8_0TK6F5S*K/35W;I^3E"6\%U^K(EGO95*=7PY'6_G6DA7YIHW3I75JQ
MGHSJ7&J61[ROZ#A9L>6BOK#H$ZQ@U>EA]M*;./]87V;PO:H&UU.'&M4/7O^3
M2W7IS!,/NW$3122.,(C"<P?>%#0B$I57E@8M6=M46?K4%9>QPCUU/]-*YE@/
M-B:S>1"ZX:LT\N##D/A#V*!XXL;2$U;!#[V(U@S/+]WQ<9<2A);SGBY((GF1
M%"4SK#7^;_CA@$R#EYY4*?2K:;'EM*A;R/JX1X9E]4S-;GID6$I/L1PN@E[M
M:1:G,LDV3&KSF5'_\[ZA\YN4*6HWI[6;1>EF4;KYT$1:+MW<ZJK$A[F^_;1^
MZ(EJQ&=<V;=]'N]O ;PH)/#P,XE$4=\];P7*UG7FWGU[LW-_S4J!OV2?I?[^
M^Q1=8+_<#(=A B/E82E?@A 1^"V 9Z/F-P)@&>JV)2O<RF*T(*-0,,WY,TV_
MS4QC -.8AFRH;2F;W8+HN\- Y@>) 28A@?>C0V)*-TSD3I[V@/HSWQ#&0'?^
M8^@B51[(, FI(ZDY3V$37%76E+W/(9'JUA9<-97A!\$5]H(U9-5N2T7>B[6#
MZ"$+,CJ-BXXD/XBSTH_8N)*,$J#[8+I;Q/0;*R!Q<OLBW<W"=4ESUK-IV9N^
MP:N^60M,B[>.M8.HY3RPUL?(-EESVM+ XV(U<CRDA^CV8R[5-&M7Z.3'$>K1
M=%:'R:*,R]P%ERTV#GZ?1I#NP&B8 Z+)BK)W75^AI[<%:Q5"_>18TS ?095-
MJRU8NUC=';?0#8<3&@\R(L]D&LQG6+)]&$0[RG:A1'%3V+_Z/\-@2*(HVR;0
MG3XM-JDY7ZF=:[TOJ^H%^?S?.J::*N;<,:5UKC5+-EN#J8M5P!_B8/BK.W C
M@@N;X1G,PD#G4QA4Z.%M<Z[<%O8(F"S3AAXF;D@^XBX6?W +YVUSWM.I3M[O
M\TK;%#KYR7&WOZ/E"+@S '>*W#=$:RE1_*W>%<&_$@^#\3P_=OTGO Q(8_*$
MB7':8^MO03!Z\:93$!1?\[UA7S47"R;UQ>I.6WK("CP=_3CBBB<+\&3(IK[W
M%:XP+38CXFY.0E '_"<::",-W3!\#6!6PJHXL7C.-P8#(VYQ6X"'7MQPM,)-
M8^\W&77_3<*@E)'L0I)W*Q0V :6C2^9-4"J!#+;-.Y/0F=,K[ES4^]-/4"RC
M31-\XS;C73PAH3 /3Q==0#?@JS^<)DB&_W6GK.K S70:O+C^D#37YS&$0+;W
M]U8*\[ M>&H20< =3SJ&"<C&_FK*Y9B'A\FE7>G=L,BH/:5Y>/YER ]I./X@
MS=WZNMJY-IR^K)54'-^K2F!K"GWRK(;_)F'8U.C<"88:P-!TY+["ZWJI1=7O
M^6O?1RB?4"@4M%L-A3H:5(WG#U#/H$TCMT!_.%3D2H+UG:0I5DR8AV3F)3-6
M@@JLV2&L*(YDR2>Q\#:?PMHKI%^D&X4ITC_3;8)=^I1MTD[27.]<:YK<M_66
M.!,%KHYD]1T85P;MN.JT)A^A!:K 89#Q!>^61+C&B<VZ C?]#(,Y+/+UY]3U
MXQM_]/E?B;=;\*YN=JYMV=Z?AX1'KBV(JF^A'0915N>Z+YOZWJ?]Y?CD#B25
M89IAT2N'7<HB[!@LA61(O&=WUXQ[H?CP4ZC37<J^A#VB39WO\QUJSF"87-\B
MM4>@ZOCJ] %0A6GTLFKS:@\C(C[>4(S!Z2<HEG$)AJ:(^&B+A4EWHO2<<#K7
MAM*6ZH<"'J<Q%ROA82B=:TMM2_I'"VR_H\5C%*[H1%!&RV1KWL5QGT)7!M9N
MT.2^P[F#HXC-N!0TUA3E?-#(JCYHW%($1(A&XU, 2R3SBLG;H"'5#' 0?8UY
MTN/,15'3:,6"*-KE+MC0P2JQ3%FW>16A:7O_<D[3%'PN^/R8X:#[\KD!?*[K
MLMGG55FXW6W,L^D7>NRJ6L8\)VQ%R9(X:#D/*:A*'9?<D*07DCYH*LN_([0I
MWG_L?J98JUBK3F\MRS1)L645L(5]"/1UUX4$5)OBW#!<L=&$^P>>,!:XU];O
MV1<37FL\*-'NUK@0[! G8_.J.1EB._GI:T_"!J-8&LCU7Z4)/)R7^W6EYVQ&
MDIM-27*?7,^/8BF>D(C3%JN;*;9.EU4!<SMQ_2?RU;^985Q9/?E2)*E=C@$F
M6W8&@G/J9?7+D;*TK%4TW$RC /B[#J-[P.OP[SDV66=?<N)MO &M9I-;]D;\
MO#E)'-QIWAM=P?&'6X:)&7!5D0 'D /C9#K=(@R\: D*;+BR1^"'\]##CL/3
M5\F-X] ;)*SM;T7+XD6 2ZFPP>44WYRU0IZYOOM$:%'; 9EZY)FPHVD6P!]3
M[Q>L&7_HT[85\&KR>^[!-S W>!_\>T#P)5F#DIY4//S\LBY%C!_*ELR1+0JH
MV363LH@CM7-=E95["&[@/'M,&&HDW2K[4Q<T+:L%BA;R3C*-8>$TK MAQC"%
MW;_ANS(V ?2-R)S024O)//#I+Y^(3_F%/3M.XB2D[<0IPWFL>7TZJ#N?AP'
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M8YSL(UB;UWP^9#>Y_#UY5 P-%K%)U9NDBTVJWB1M:9,.C20?A3MU$P+(<P2
M">TI?5KJ ='.GEY@E.GBXTCZ[CA2CLB[</S)?_%!5>+6R^.<X*6E\+E^) D+
MSJJR9;551[)O46%!<X+F=M*<<7R:LZ]N75G76X[<"I(3)'<>)&<>G^0<O)FO
M./TGN1Y< NA8G28_Y^CC$>U13Z0]?F;[WX"8\,Z5*SOF>HEB44?U;-&SIQ[4
M&#VFPM'3UMT/@9X>H&=/D=X</2I#3W-[552HVGW^7PEZOKC,QJJ/HMGN$:_
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M L+9E VK+_SF8NUEU)WR*O3<7"[WXEH4P\(;%"$I;.I)',VD)!LF_MCW8O]
ML2Z".MT$=5!-7NC&]W!6_%8I[ 4/F49A\H$>._M=P'_WO72D7IXN]</[2>IK
MV)9Z=>LJLFVWH&(+O_OE@7@?-\'I0:P!B,%.M$4T4X#X0(?%Z4&L X@M6=_0
M *A'(+Y8-\C#FEXE?" GS'/A=,1MDP_L1.K3E'%U:S?T'PJCMD< VC\OI24
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M]I,1K".5*!YR$3^,\%(_QF*$B=\N7:F[O6;+E/4)-*U/_(">8C+SL]E&XL&
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MAK:42ZW!$A[%<V&*V7WQ\J4L3HDHJ17F)+VU;870,"0UF ;S'OKLH'5FM?;
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M5M\WT^K[GZ#5]D)2S=3Z7B>U)BE(#XS.,39=*.TX038>63##1J>*V.T]0H8
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MDZ8R'3[/L>N.K'OLB5DJ<1JY/[C%3J&PJH#0<Q*+MOY7F*M3W)>@K&=2L<<
MOIZ2NR,/C#K\SZ!@3G$TJ@'$%P\R*-$91H$$?V6'RO6 Z5 49."O_"#Y:\A'
M^=R+5!IQ%%RBX1O6I4BZ"8(HW)<&[YYS6+X+:0FX#ON48+\8;-6G!+.1@Z$D
M7[#?#^ZS2E(.)'TUG3E#>M,LA"1[%)B(0Q#"^2L^R:L(1H>A4: JB[(T&V,<
M'$M""1R5^K,-H1Z<F:0Y^1/;Z<O?+5E090PZ&%=0$O(.X8O3LQ]A?$9^=B?K
MI<-,"5_/*/@$Q(%8:!*!+SV@D'73XQP&(K,I;SDL=%Q\ZE+47D\/<;2&[ -Q
MI=!UA4_+IR4(4;OAF"JMW:_86T_64R2"$Q_$[J/RU27W-$M[:<HJ7<W"%Q1&
MUH1C("9!C%OG%#V+MRG*'!E9SQ?WZR/WFI,4S/?\C^BW,!TY&H8NW[N*\![G
M$5*;@W1QWC[,5RY+46\3B9YFDN%13&9QJE6%45(#DO8B24WJ$\\WPUOX#PRO
MB+\"G4/\1&QGRB_EU 6HJ1^8SU!X/2[ZR)>%B8<\K/"01VUXFLIGMRBQ)+FE
MJ/G>/%AU5^C&X7.;J*Y!G'@IV!1R4M1<TX'N8PMN[D:$XO)1G-]:3];ND\>I
MDKL]Q?EF^:UU39E)W5;B"H%-!'%\OL2$KBEUMBXHV6&[M"?#)]KX]E+)Q='V
M$>DJTN^.2=Q@+\9GW? B';7<%"LE-Z05^NK*>'+3,/IO,H>Y-TY:E^5+?#4P
MFN:B[-Z_),[NK">1@SH 70TBRP$1 ]A#SVNT 8H]/N+ANJ\)%\G+UL*J@#0U
MBC%W2YAX56*"%_!%EH98T%R#BY$Y#P]"70[5)]94N[^\;?_]'>?>G2_Q"OW^
MM_\/4$L#!!0    ( !J$5%KDRR&'1U(  +]O P 4    <VQM+3(P,C0Q,C,Q
M7V-A;"YX;6SLO6FSFSER+OC]_HJ:GJ^3+NR+P_8-256R%;>JI"FI[7L_,1)
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MT4R2$R%+-&S.9=ERCRS$&"0$E"WYL&J3=&<8/453QSU/)'N(LK"77]O)&U8
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M:R:_K2\R&XV+=2G C7?@2R_BS><O.%TTB_!MO?U#DUAE1L0 (9IV&#%!(/1
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M&)2<+H& PQU8IT# /7UDUA7MRKFD2BOS7!>[)($0V75A$U-:[Q-%4KT'CSQ
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M!+,&N39/O"7?O>CHH\A-_V @)ENWWI8U5O#6\QEY4TW>1*+O2\<8@APC@-@
M3!L89O<ICX@H8XRL+6R28)@'@"4'<#X6*C:8Z#>Q=+=:= QQA1$ :%]V#(R6
M#6I8O'%19<^GT?[#]@;$K KDY"(:JB+=[MJ^)7:ZQ%L/EB%P/"3U9=70RNZI
M]PIR65C*$C*VQU&%&E+5&= EP9<!G0Z;9,/O3L$8G.L1H*HKHX865D\$IV)!
M2D)&$++UE/,V0'*M_V0.B#:Q]U;V%%7[QQ\/EI5P1$'5D4W]$+6>K_3427BA
M:P:=DF-JV+N.R3;7(=6:C5(V;_)0L]EJ??;ST*'?\8-TTBF2M$#"LFJ@4B"U
M_JPZH R.^2S+)L-KMU]Y5*YJ7PS<N0W#L:3S-7CPZ>H.D2SSC2KH0.; =]60
MAJA"!5V,,IA1\!YVQ,T32X_* 3TL<'HR93#DW.?8V$S2Y:3 %9'95B +*2GD
MDZB8$PDM[";-'3=<;E0>YF$1LN_A#XB*IZMLA*S,\$88,7J#+6V"=V7[THG@
M4ZLZVQTD/2*G!_,E#XV9KJP93B4]D?@<74I>L=$8C&*#-9H*P0<!UEJ/E8I3
M>E?\/*<<] .KI(Y,&0PY3U96&*NB5Z* :*/OC#,L(HD=$16RU50S*;7QT\V6
M:X_*-SRP'=R3+5W \QNM_CK#S_/%JHT4>;>@S]/3SV\7/S%)\],G_&5?A(O!
M-Q)S\Y=% @Q5@DQ!YJRRE7433VH/$@;<^19QH1QE%L7%UA0ZMDXRH<6%^,93
M<D4;E'FC:K%N!(W%T3P4MJ[?NN-P]1!7<=M27+9_=4)10?K$T@J+;]&L!"&Q
M"5SY0%%WN)W/M&QZW-#LSM_#XG.#YQEAJK<R@]".=:IT;7 @"6@7*]8D9<)-
MDF3Z4306!WK4N.S+U\-B<@.7+VO*RB@$LZZS,,V$+R* JSD&="&XLDEJ0$>2
MQN*BCQJ5G3E[8%'YQ ,1EFQ\.[@2;'MRS+'EU030[ X$+SSK@$T&X_2B9RQN
M_Z@!V9.GAQ:2=ZEM=X-<+!"+;C-^'0);'0JR\$7:E"KE30(%^] PEH#!J%&W
M+^^&RN<_?QSGTTA,4CN81\\)I='!M=+]UMK2:&<@RD @BLDY%%.EWG&&[':$
M#'X*C4$L*1YN_WV/1ZH<12,+R- *FY/4$'QB$RL:QI9P5#92!@.1-Y:HPV$Q
M^$21P\'Y?KAKW$@[\U0W#JEH88+2K;Z(DFVI>0A!1 ?5V:Q\-#[*'<O,>I W
MEMC$,P#P@'P_'( ?UYTR&<-'Q8>6(]-<'6O1ZCWX$"3%C HWZA2W/R5C"4V,
M');]N'E@$<J79YL0B]-*Y%;NIFPK.PXDVP#PS%<+JQ9HM:,=6Q!WH6\L(8N1
MHW5HSA\6PVO:MVC_2(*J5P(R*<GV3*J0;&+MD*0UO#?4=L?6"3W(&TN,XQD@
M>$"^'Q; [Z=_7&VC/;Q\^(0S_O#1[50G5').LD_=ZI"=(&!E8J'&DIVW1@F_
MX_"-?D2.)73R#, \. ;&-H&Q_?'=?+&J\Y/I_/UJP334*97T_7_1][-O^']/
M\62Z^OYF5J;K:W;0<8Q[D'>DV8R]#G2X08T/MGRX]\[QOYM_I<7W2?;:144$
MV6  (VJ&I%N_&Y.0;'8FQ%MYA@=M4?DH\0<9(7*QV%:O4MHG/D]CH9!L0R[8
M,<'06FO(DJLQ.J/I.@5G%R+'$-0[+IYW&B\R.!X..R'G[G:>,O6T%4G;Q.<J
M6B<A'0EB9C6I8JTQ*5>#[CJ>=&L*QQ#L^U, NR<2CHWJ^R)'[)Q@=;FT'K+-
MZ_8(P>@V8UL4[S)&Q%U;L.Y.U1AB@G\*].[+\6,C]NFH4:S."-6**;V)T#HC
M V:*('(N-1O^'VTR56E(&L<0,_Q3H+DO&HZ-[0T;#A5=HHQ%0!9M1DAA%SQ%
MKZ$Z;8*34DN9AP5XOS928VQA.3J4#X"+HT/]J1?4BKZD4 ,HTUI3N.(AE, W
M&)U73A4AU,!2_)D/H'Q&\.Z)A6,,.WDTC"LBVT^D%0@*[4"S9..*59%MR>+:
M!D7J5BCQD*&D(3+"=B!CAQ0+)U$8D2(P!"1+.W:SDL<,)3-*?+15RB-.D1DF
M&6>$@:=NV+\0)N-#SS%$2B/R[>S:CNY)DD,OBT0))35U+]L0,.7YC\ZQO'3!
MY-O)D8>^ (]OX)D&I,8"^([H.!; M\P*]9$*U6K H4-6_M5"D(5 :<2:A4:=
M]'$!WS]_>(0QK;%<@ '1<[0+L5UZ2<VIDK2LNFSKG:!L@>3XC]$:PD)1V=LM
M+0Y^(;HG(HTP+#::"S$<>HYU(;;-&!25*=?* 5JGSXJ.HFHM#)!<53&J.[FB
M!W<*^F>7CC"&-I8K,21^CG$G[N9K/3E_+!B?B>\T9"TL7_-*$++6X"D9H9S+
M6HGC78GM-_1,PVYCN!$#H^<H<X;O/=#_6##?YK5.7''&M^ZJMK9!V3Y["*%X
MB%E$*:WR[G96QO'SN"Z(/TAD_B'2+HAX_.$82;2&0:T/BV#<^I;?K(H$Y8O/
M5H8J3-=4@;VH?:8!MHX(WRE>?SB$'/9-:O-]/='+&;VU-K6Y0IZ]2R-%>RPI
M!J3)Z))A02YVG8LY*.'/-/[V?.Y#1]R,]6ILD.3I:Y1*I ):ZP0F%0&A.@25
ME:VN&*SY2->C3S+P""-TS^>*=,;/6*_)4QUT9:R9=U(@1U-:L:Z&% QOE/]H
MO8U1W/;1#G5'.G1%'F'$[OE<D)[(&>WMV*S[8W F"=ZDRVV:HU-L2?)6H5A#
M,9N0F5E'NB.]^H".,)#WC&Y*=Q2-];X\V5-;69VJI0020YLQV+I@R>"@:F(W
M+&LT>"1U\APZI?^I;TE7[ QV0>X/6S++_GTZ6^''Q^NFA=>IQ"2@-8@ HT*
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M[QQO?0+>!["D"&E;#KQ\GYN)^M02>[/>=F0R;^^&?2+[0-;6N".'"/Y1C1E
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M#483S'_[>3H^Q?,/1\,I:?>K =:QZ?W"X_K%MCIQ.F'' )]['Z9D)=4'O1C
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M=D,TI(XQ6!8S61#6@;16)"EBFQ**FS$< /^-!;U"#QJDC'WXA(/!<AE2F M
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M!\6CRZW-FJ[G=-AZ^Z THN5M>2N/>.8+^K-$R,DXZ.E8%$_.,"@S;Y%0QIR
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MS5N=W0'I$:MA%Z0U7AB?G=1,V_^>)=J/RO/QZ$^<^3"?1Y/^]-T TLSL[3D
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M\VCX8H PIIWQ[Z/3R?)8VY!^A@0$*E?_M*1Z^[?.+!4K198E^+Q.2>*- QP
M@^T$V.D*_794Y0J#9R?5L>VA=R+X*!B J3$.\&2Y +!B:%DR.F2PK=M_WX3E
M/G5@#W[,#H)O_)JOFO:B2&!4/HZF,%ABO?Z23'J%1^5 1>9\O2C7T3\ /#!
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MP3+SQX=?1U]P/*R3_?!Y-)R,YK=7X?CSN#^9ER%>TVA!*[05V3*1=6#:A\3
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M=)&9'(NXF3]NGB(P.XAX1>[+SDV>-KZ#RXF4/*U,#+4A4U,)S;Q2BIF4E2B
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M?IU%IW(/R *7M5^.B\CK&3O0,B?)M(- (N%DGKEU3-9MQS]8M=D+(8V[3J[
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MN45:#B E%^P^PD^P:,NNY7K;5J3KSS"SCXQ+>G-,K#VV%"O@BK&0C"(/4*?
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M-C)/H9[E"5R,$93AT47I"R+K$>9^/56_@^S0L^IWB!*/4O7+4TB!&5YKQFI
M[R(XI>J\0Z^Y%19Y:CT8Z>2J?L=X-VTM=*2JWSX07ZI^1QGV@.K-0ZQRK*K?
M9$VN'1]%Y!Z4<!*\# :2RE&A5*(D=2K$&5WU.S5OAAAC K[<.P3H+#"\VUDS
M!J;3MA=Y/3!R!8*K\^2]<446YFWSZRK]D#W3&L\A1EU.;I$)?)WO;O._/X6J
MA,U'VK&?1.L5*]G5_K)UT+.*"CPS"6)6%B./P231F#_#$)X>CR:TT#'&K&\7
M8V.8B<8KX%S72@D3P)LD(1@I77 NQ3S'\.,=8.?D0[>W5,/2Y-X@[UZP'C G
M\J5[0CR./SV!D8?2:(2%CK$^W<(-2EI-KQ9PK6C%+LZ#1UTK:S(R4R1'T=I1
M.BJ1]OC7SX='0PPS3<E3N'RU7N/F=@SSF]6]0<RF8Q"S8:Y.@#90?.TCQZV!
M4&BA-L&ZY(K.+#VX/O-4]=.PAS_?H=B#S+A;!S6A#>891CRXCS.Y;UJF0"XD
M3X44YAEXP05PE-E)SK(H?OH%Z?GV\9ZU=F!N@QZ!DSOE0[LR\(N$07L6 A2E
M&2@C2AW=Z"!QC(+IP'EI'0ZVP'VFK&QNTD?WUV,7%MXV7/UM0S%S1ZO,.6L)
M>T(Y3OG@(7J:NV)0A<1-R060,025+0.']%K(;(1 &P3/K<_:GGO%8'1*F9PM
MO9ZIMM)B"4*VV\E/F3.60V&MBRA/I6)P")M:50P.,=?I50RZ%"POR@*&>H3O
M' ?GG0')-<;J>Y/+_U(Q> 2F358Q.,3BLU=W]<#V4C$XK<D'E7D=8*^Y.<5E
MIAU%5&2H*))+Y+-KYD%$9Y2+.F31^AS^A"L&)Z/2$#/-6#%HI$,3> (F#,'R
M(H SA;:).C4I!1/$PS[:7WG%X" []*P8'*+$>9(I'>EQ5+H02 _6*0X*A220
M%.K+F%!*]-'X&4;Q??VGGF.\G/:6FJ!ZL&\2O0_,EU//)D8^\+3J$ L=\=13
M>2Z]5P48+P64TI$6Z<1!J^"E8\E+G"&?^Y6=>L[!HR&&:>R[U.7X6RRXJFF%
MV^W6YXB2IP@&R5%365APHD00.HJ2N%%)]KG,W_'5S_?$<I )ENWT-YV[<GN(
M2IONEZ>E3B;O9600=#"@0NW)Q'*&PHC@Y(9'\M:F604>071:I)C "C-M&9*]
M76J_>[R>5(C)\]K?(FERR**!D%P$I#B.2^U4EJU3? /@G31[FMMG)G?6$%37
M 56(E&@_#63Q>BI>1R\&+HGZQ0D=8O3*S>&!/ +O?*C4PCXSU8/>%@'=*P'R
M'25 G@L???*TB-:N[RQHPDP*LAYS0:9C:=YEXV"PYT.S]K;;)=W!4YU;5OLH
MYV,JT8)W 4D$)B!DTB,F0Z]/\5K;7BUY7\JW&ASDSFW0^<NWWB[?+C?A\I'7
MNK8/O @RTYLK'12MR"E0V8"+Z"%Y=$5&B<RWGADR&O1Y\K&Q,:=O!'G7@NR'
MJYL]Y'/AV>7'U^_#ZAWF-Z7<C,.^H%?%9:%I2<<D07'.(*;:SL[D$AQS+CTL
M;.W;'7((C!-CUMR&>31J.'8EX*MW^.HJ7'[<#LB^]2JVFOX6"4 5/2UPWJ'C
M@Q =:;KXX5J;NSS0.5^\H+ VJCJ&)41=NYTZP,B$M,PD+UH[5L^^/- *%J5-
M('0])$N8(19)/ZPS3A9N++9.QYQ*>> 0-C4K#QQ@KN=2'M@AS*Z3_,W'UY=A
MO7Y3.O[U]N0D&5E,H:V,9]*Q$KKN,)B >=)UR11BYM:%,TV ?W4'YD,8MM\W
MG=C2\R2S=X5X7(3;Y$<?(>8[;A\NP+,YC)^:0(=0>!+K/ULJ\QQDD8Y#EO7Z
M)898A?'@LA76)D%[GCL?"@\O _@J&3S$Z!,P][?-=2:8V^D7M].]A2WD< 5
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MF]4U?OYP>;6A5_*[2ZQO.2UM^&[W *S)%?3/B\?-(U[]M5A?>%3)91M FA!
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MT_3V?;AZ5)1 \:@3:"'Y3&]1MA&"T@BF6"ES1"TR:\^Z?;#.AW!-#=3P[/0
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M[_76TJF<"J00BY).V()]TO!' ?]"\R.0X/DOWU^6#.X*&U1220>H<Y7((<$
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M19ZBL6;& I"C]/<\)FF&FF""NQ%WY8!/H/PGUA0Z\?H/7(5W>&^#);>+EL?
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MNW^F<@1QS_,U#B.R;!1%P4,,F8*0P8!G"?^'BVQ)0A/$M"TA:1I&##EIE:/
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M]&QI?L%WB\9(T+/F95:D+(9J2@*4$ 8YHX-6M0>:C+LQL)=<GVX,[,/?(?O
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MUBVGR\\_%LG%L]D_W6):@IKKN096A>0]S9!BM""2\(#'%6""$IS@:R59_?F
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M68:VE/H2BH1(!SZ+A(>GDA#!LR>U9^UM(>.98.!0!C?-Q*Q+CY83'O&S.DO
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MYB+D@&<4EA'PWA3G+WHTO(S)L9%R&$GUYXD8LQ7$-V0U:!>Z7G(U:"^Y=:T
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M ?:1]%@*QJ[9\?;79@1M&8"]&;(0#%-<<=!HW4!9+@^&& $Q!\=8()ZIVF[
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MA$#DPH!0-(-5?$U^B (!;FC]!OI3+P(X&%'M9=6@U.0QDU_PZ"1W$:02M%P
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MT'6ZUTG4Q-PDH,)+[XW.^/?---DM0H;'3PNI[=11^[)\$!S\ZJ\\,R4BB.C
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M?U.:7066-GTGLWC]WTQR3,)[A@:M+:T<#K6"(RI!LBJDX)RPV7<PT6K2]$+
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M <FQ3EW:*?I^TK>OP/L4#]90K:HG0W!UNH>]#=-Q[F*WT-NCIK"'T ]I%#Y
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M:J;-+7O>OJKH&$L1M*O&QENT"2,.F@M!;POWM3/-:4_H+&4P1CH=M./&MQY
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M%F^'<(9[YQ6SW$FFZ5L6:C.'$TXJ[T!;U_JL? N4DXG<6HBZPYG7!EA7YCX
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M:P,"HGC(A[T1NFXK$F8G;=UEJO8-EF8;7> 8G=9H"GI:5U"2T*=>^]*@QR#
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M=$-,HAE2M-ZQ93@_WRA%DH3[0=L(@?(;=59U26]VI;PK*WCNU&X($.YW6\H
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MM?4^/L@Z'%$]T>+% S2OJ[\G?VSYOA$-Z=BWD.0)G5C&'FP:6I;#_\#.IWB
M8_JLJC>4_GMQ5=G[D IIM97.O9TCQ=NWG!^J\6S&,NPI@T-HR,ATC(5%BQN
M$VS4X&!E461<4BA6PBHON_[!]Q9"U_'6K(.G3KE^_]U!:-Q.]D<\1XI_#)O,
M P*(D 8/>$Y*P4H8;@BM[,!2ZWXWC&+'ZVB\?[596/U6V]<I \N!6>W@\7E@
M?6[2ORQ:'TC#KK"8)'LSW,(#*E$-F($6VG>,+&</1&+R6S,8C-=7[J]MS_'
M'LSGWU]C[-GNT*-JO:__FI2K:$%\7^6<%@\0M.=> (_:#XS1(B:2::A!A*8I
M74HK@2@L+N-2T1A*:N_DZ?O!\D[V$?JKO_OIJ*E$'"E=IF;7&I3R>PRATK6-
MN!(SBH2#9? F!'&<36P0U*B O'+LB[_"X@SGEG(:<=7P5Q&6L3'D7WW)3L='
M=&^ZRN.49Q?YUACX'G=I">7(LF%1_GMP&X*,>'VV"5Z*^?!</L<?>GO?Y@YN
M&0]H\KC@TF>J%+.>?9P<H9Z_MMY?.M3AE.^UEG,'C_/3.@?1C>A2HXG#R$A&
M(2R#.$JF\U&5[!O/NDX$AQ^^CWL-RGGLG9]-T#6QUY[5?_=.9$];U$FUFWOD
M="XZY 7= ]#ELE,4CJP]+-K+WH(,0;-.T(9I.V9:)%=$LV66-Z!1Q7H].ZR\
M,D^L<)!H62_AVV:\P?+Y_B>#DG7YI/8T:%LY2Y*;88+P8X$)[CUR"%>/JI3:
MVFPO/YXEH)"94JD9E5T4C M7VOA6AV[2X/):?XUMS4Z)%^[)USL!]%U8LK^W
MF2#3:^*D=/]<N(ZI8D$<\62*C4+=.^;O_JM+1#^;HL V-48U-_DZ9GY?1G<7
MGZ6,P[\NLJ,\H+IS@L3L9#5"$?F<U9 [VS.8(LS9$76_FJ.M8]NP57)K:=&7
MW>N<? +#-3DX_2>"A0ZO9,_051-R4&:0$ML&+\8M"#&QO<<11K )=WNX'M9Y
MQFA-^![6T"%[NR2HU(#U[&7<&7.#2%]M\E9^*6%%C R\ 6\"J3$H!Z%:9G S
MRT/H(M[HOT)JB$ZN8Z>:<@W?<R#]!*!^#GL;RSBFUV@OBI?G9B.N03E?QU]Y
M71S5 %9IIDR'**S^'.AM;.L9O478^=:34Y(R<B97VQ[*PZ(SB$DBT[2?H\5D
MCQHU>IW]/CQJ--'+^-&TG=Q$!_?=NH+W&LO>L3$J6WSY!OGXZD=7?)X\_7!^
M2[.DPP$$GW,Y&A"),3M&:A3G'S-J")5J+H9\FK?O5;A]KLA<.M?;8^\Y6H:+
MI8O#2_-&(/*#*)%FU)06SP.$3<0>X/=!16->>HVWE;JUA[ZY]1L6?:BJ+(\[
MVZ9>)G&O[L.,2@0)0. 6<827&F1_%%O-%,T#>E85/2>/UIYH9H(TXD0T6P9W
M!X\@,=Z1FWOL+K/N6NNL1QWQ[FY=\91&B'HEW_'EV1MO9I;%F%[G7L.,/L P
M[#'#R2U&%!3F*';H6</(IO[I<86H5+F>P$// @[$]+3*-NS^L3L_I>;PM>.K
MU=;6Q9 Z.B$]'A#'V<Q0W,N]B0DA7:Q;4]9CXL]H9R4R^JX>?A#(*EI!RJ%$
MLF:SW-?SL4WN2>X)XS^QZMWI>:LE"=//90VF!1RR'<5._(B@ZAB/6375&C?.
MFAHS0X@73= A.+?V!U_[[:K$W*[(WBA7+C9S_OHJ+^N[%C,4%CW/7HZW@NS8
M080V2I4570NA16DT, UORPZ&['=WE6A4VXI+-V0)9%X]>)?H<U39E7"X^L=Q
MM\EK#?EQQLF$W\%Z,TP(5IA0CV1K&3R@Q2YXY^/^&?;P@ $V'A;K?1UJLI\F
M=G=JHF) QO=Z^CZWF#V[TTU7OI-8^0A^BRFG< R>PJTV3"<[,#&^H8.VFW'!
M<^33#NT]C[@%+^];M[ <9&]L%E*U_E2[C*P('K(?#*853G0@\R41X$&B*XY5
M,_6:B8G8LGUY8WI)0P_V>KP-SR9*%.]^W6VSUMC3,RHJV.W:"9=WF_C/=+,U
MS-"FA+=HAC,)TO2?L!T;QL21*S7I@52L,'1I7B9+1^I[H/_3)$UVNMT:X4\"
MQT],T1WY5"Z+1_G'U$2/@DD$L5Y3-;P!DY!-&E=XF^7U1:$O[6SFUNI'VUZV
MR92F/\P/4[F"O8UAA&+/<S29%*H1G9_MC[=CO+U83:.D@&@3^Y6U]X.N)YJD
MY0U;7^][ZCZR,B377,4MK3V^_@4@CD0Q+IGJ$HRI!"<\J=QNR((J3]<I\8!0
M^][M"?1P_B(O.="$LAX[J<;W34MYFF]^PU^"GG]=A%X3&:XE\FY,-$>JE17?
M9;(C_QV%,L)19*[8>L;%P:#<7BWPA^ N2\&;B2H GWJ_$7OK$-SKO9#]:7#T
M*KE9!DHZIEI?,.7^\1BJ7#?'*X#V?L8MS-:KJEJD;MW.UW?U;EY3VZ3S?&T=
M*3<&L\%T&P(7P; RW ,R[$%I0MO(1NXUTPU!Y(K.5 +Z/<[)$Y(BR'Q]P/@6
ML;4D6)MN<CGZYC$7?WT1D_<T%1&']Z9Q7&*=2A"&88V&-$,GVM@FA&YO/B8Y
MU<0&W!H_JM4)F54\GC'L,52\\;ZF/3,R3\3G^($&/Z^! SLESK<.O7$0^IS&
MD>VDM4Y,4B>'Y!O(*\BC]]"/6FZ-A0X6.C&*JSU<FY-#A;#?7+U7,;>_EJ7K
MNK0I1UEK5 N[6&>&I<6I9JPAB2#1I0&29K!9L8@6+A.'_5F'N->_$V3@UV@1
M6-9NE'Q!KKI.,EJ<X_R XI6<:N%^L>^ ._[<JBG\X &#8N<R-^O[\U<M 9G]
M?ZW(,M#Q)JJT)AYP_A;>8JR049=K8,1-RBFS\QVT8>U&2.6%7,TI@8$!W\$?
MQUY/G$YQI5QS$$+2LE7DT?B1#<S/]/-,:58[Y(1$Y<W06T9O$UKJ=D?X,WMA
M>[_2@MIB+1FY%U--G1]R!&/]@2?;2"CD0M'@$=0EQ--X0"!YR)-FG\8#@M!)
MU5D1\>0 4":@!W>ZZ8JZBZE^]*,XIN!K'R>=]ID?:J;N6LV$BOUF: 7\,69H
M/#A:2GG423=BK\=OA4+&[$6"LHZ^KAXUCDI#!W0/6-P+8MU3'IEZFQYH,BQW
MZTA3H8^L^)3HG)XKHM2JH*Q9CE0SDLK?<L&4:S:#4+ M!4G7&"4%D O"3<(%
M RK7E<&OHMU&;M2U:)NM&[?Y'/W._V-[_S>N#-\']".AB?Z3;"5"$U&4?/0;
M>_PX"8\:]3+>\U:WI&WJ<\TE0?;>Q-MG#%IV'_P1J]4_GALCNOXOE#E%6/0^
M>PT^B%O"<65O_HKHYUC8ESN0*WL?+KA566?[Q1R5S5^V[@[=D2N WF)>>^+\
M5>S!;C-E<[8=X3FF-)2>_>#+=@K=F6V(LV_-/"M;\RA@5EFM5XY:HG8EXY;#
M[7-)]S'F6'EDV,MY .%5'1*P8I_@3K/.,T(G3C)HK:-GKC!\ATQ3!9^JVJ]:
M]]#_XDS(T^N>AY(T.E>U:$W7)0',N<K)X3#"N_VX4RA!G S<64B=NQT274"$
MI51IV(I'4\OF1EP'35)+B%IG.!R(5L,#8#$,>P/^(+<:T?5-4(8''"6>DSLC
MKZS-#+E(E$M;68C7R?&+=ZIX$CTEL1/^+M]Z__DDU@%)VI%9,/"<%(?X+1C?
M[S[0/680%1P<DWI9::WS,>4QE1^>?S%V+13T;0IC)SJ>H-]+D(3[ZI28Z[*+
MH5/1IUDOH/-;LR,-\Z_W<F_C)ER,'XN=>W(Z_=*6?))0$F/R$L@P Q/)9?X<
MZ58:^0)!$($6QSI,)Y6.IG8F5JZ'E3T5]4J_7=V1\>J'I]V:$Y.9=%UWM,"S
MR O\O[M^>RO#-\=$//D<(R(5,XI(8"6N.(:$L,Y$4-94=7B8L^X1TYRA1+]P
M&HL[(Q:]R7K>].:QD?WT2K4KY[1EY&21<"=HF49SI=NR]0@=:,8!'C (CEJE
M5*9:4>6;[- TC<[&X Z=(TQQ2KQ_\O$[ 54OOIL.E=[HO%Y,.<E\'(,:_XA(
M8,[V(+R!$3>+_81W@T38:G S09C9<I]JOX*#[3&)8A:VG$62WQEQY<;&/@6W
M*SR@+#]JP.>'GF:Z75+II(.#A'M$!A?[%]*3_RP0"A:[0T7)X4BM8.G!.CE&
M7=[]=9GL(&CKK%.(Z4N;N((RQ=0?+QW0NH8OVJMD_*]Z)R(C1:8[UA%)PP7Y
M(#*C=RP\C1[!1%$O/F&4Z TWZD,;2A(NT>C[U9\L"SMQ5;CW4#@0Y],1?=(2
M(&@-@?6Z8!!&#)D</%Z)BB0YT'IRZ_OCBMC!T6_Z>"?RE,?']!V1UZ#H0C?\
MG1 5)WTKN%S7FD9V7,<MXR@*T9OE)U0H8B9AX8-U:*(<*<75(@V6?%O-MO7D
M7GX_-]P\\O']QTBW ?/W0[6Q20#G=VXJ.1B#I"KU*SC.S&J6#K<*SS]6JV5>
M U460ZVCA<DFF%$O"]=2YKZK]Z]=W[%]M3;MLL:$HY9:_EW#]RIS,4!U'=)8
MS'09QX\1T4!*)E96T\48GQT8$4E@ "EEB)RFRB"4HC.C[GR1EK45L[UFDM]@
M&+'QA-D5?L%#SZ,[_CJP+UE<+^-/\( K;\#^:V!'T:4<5/YZ4O;X7_QZ,&3$
M.4?'?!O"< 6<LQ:W@X?^8T*<JVS*;"X/Z$[VUC)#6^_'&G7_Q2_O2#:&![1>
M+^0!7D=@.^_XQ3W[D#?'@:%[*U*7&/GP6):(PF].$SVWBE<*OSBH'$RH0;50
MIK9]);,DD7S#PH#O&YI1;:H,=B%,,OTJR)0!&]Y!D<A?A. ]=DC:Z9J(X"B2
M#HN=IG[FKD#/;3#B 9)6')W.>.+T)O!#/H5CB;LEPT<G_OOT\GTK5L9$[-Z(
M9>'@M^Q/MRTOJ;,-\DY+QVQQY<^BD/@9]IQ+VUVY%Y!<N:LYZN,2QH"HV@QL
MO7X3T?11V-9,.=X23[$$HE7_VI?W6P8(VW SV3T\8+PE9V56TOJ<9;^4C57E
M/$ EBCS/NLH#S WX_)+FD%@RO_.O?3U#G^,!4]N)\U-7YTJ L]PE<7[P:))P
M5F#^@5V.KR=.R*S,O]WPF(QH\8_ML .<W^R3B>7]3<$H6<C/:_?W%J7@O2.'
MKD<%CHB\77TM5&SMELF#13X;K56ZA$(L\:U,-BR&:%W@,3>S3KN#H3]&HA>-
MOA=K/G-5.%Q\S3O;4RRIWPG?/Y:,A56=O+SGY4NSWU16!H\3E^-ZD3F5Y&@6
MXF:ILTD5]-,6?=ICSWK"4]?.Z(:$JH2O2&_6]BU.>!Z[VD; 8?DMV9?X8]!G
M1@3K..1_GW,4FF5J[6:DQ54$G/_J\;T6?YW%B*UWCMC\\6:"L_EU/]4#4F8D
M8^YE))+FDQ^1Z%]T"_W9:^%>4T5FY4CRJLP#O6%SODE3(VN'=Y6$;E>O\Z;)
MOQ(K5U_QH4NH>I&%2H3&K,%\"$?/?$3_"!HK*H6H/$#M'@\@K><!V:Y*2T=3
MBW'*E% %4C& !TQ+N@15I2Y,K_T\"R%QYK)^BW*;WX@IZ"G[27 DF0?LUL&5
M1+FVH.8T9\F3ECP@3Z[&94E2M,.(!?* -!U[^&DS)ZMV9<V//Y\OWI"!401?
MC#W@ 0.[0[DK^NM<ST'#L)62*]R@#X[[Q6P97R)XO?G):W#H6/##R1[RA!H*
MOJA%67R_BV3"S<&,M>_E 0_+>( &R>*G7^2@MBRU548*@A"D4X?;N5_ :1_7
MI/Y*/$+*TL&C\#1Y?O,]_KN+-7HPU,DY]YT'?!NRYPJ\S2HIY@$OE"?AVGQ$
M9CL SUPJ&_-*0SC[G)(]-]*&T_?XZP0!H04OOH+?7MI_JN#[-KU$L, /(U%9
MC'NQ;CT\PB*LALPPP2A)_ [(L3T*@2BG1N^5E9=T;%LV/8GQ'(RNX;#.#'A>
MV62VMWW]3N #GHU0S:HO75\09FV%%@G<'KC)2B@%[R3^!+TYU=7MJ3-[\/6F
M[?WC!02$A-0_9IWMKP<AM9:,2":F4:$J91Z36.,)1A^-*GB5J;7L:_6I[Q(9
M*P?-,X"C99M_[Q**9GQCG>:>QXPF(-W;ARK8,,G-5?/D"R.?#_29JD&-K5M=
MJA4R4XZ3-*_;K_NX<^/(:VK?R+8J#MMJM9_AZX4+DI>;ZN+E$.KAC3O33JN^
M,%FC+Y1HLK\82JL?6?G&*V4$W45ZF!5LO%O\Y4?;O3)3@L]?B%_&;%\@SO6V
M!''" +'R?3\=035!7R1M- D:PI['FZM"L@RMW9!=9"3B4"N?WYB:\>1D>'(1
M0Q]RO'+9^L54C][;]_*P:"_#N(GR*#,)<><<905(E7EFMM%4\DU=8R35'C)/
M45Y;<[6C*B$[:L-'\[7\8:F/GZ;>5_WZ6$59%KF<2\\T90@-B_Y@KR2T8"2*
MC[S!BYPNALI;E=6Z0B5L0NY[?_' WBR,+*UN7]NJEYUQR%SJD=I;(L/EO;PE
MQ(=TH,=- (-)\1Z653=IJ5$T-MZ(J3-S;:W1V^D01\I+N5D-LQ_I<BZX1G^?
MK;M7;L9P9'4[:>O.,]-8MHBVVCAJD ZM4WJ<+/*P4HTIU+#=--V_;Y1!23!H
MNNA)*E-=9Z,]Y4[;::V7?D9M.[-N&T2GDB$=?XX,EG4BC;6'$9\<"DMP^)EV
M_6D$%8Y5/T<5S'=K>] *I.WKU7&97^6;-6KW))_OQ+WA<R%W8S". 8NXZA3J
M$GIJ>]K\5-I<Y<FW YP_$9I?@] _"NK.=.@<_Q#87P'."Q<9>N[F 9=W%'*C
MK'A 3E+YXHM?G7]&JMJBGZC-4CBIG/T3B_F+M :'3B5_./D6G% S@B\&4[2>
M<T(08+Y4Q ,.KR9/ZYNM#EO"4X-PF@C&:<$-FY!H?*1VJ@95CYG:]@7+DHQ'
MR(7LY+7%MZ9N$[K0S(]WP7YW,+W_3O\_GW8)W5QR1^M/2%74'#Q4A^3U;1@$
M\,YBN:O>\/4NULHYQ!\VFP5GZ)IP;%"'2Q_X 17! [Q[P/%U,::XI5#R8>LH
MR+E4"-?DP\$'P\]@^'G AW#,S$?-'Q[ S/Q?R:P7*2;GQ^(YE_+@FCPX9*'3
M?XJ%]Y:\K6$\6A$V8Q%GZ&@X=F.'2S?Y RH0D;\;4?C:XD67ZX7TF><1BC3)
M[@;'FTFR".#7+P#^+'></'VD/VG))7ZANW G#V!^O,\#^MW(5UT7)N;/OUB\
MJ;?06.C<FG L6[B#!]S)FGWYYU#8M=QK"7-5N"V">%#K'A[P* 4SOXJ$_VL4
M4O8SL4*($QE(G.G#?J@<#__GTPJ^3P>66G.B8Y'H\X$X"-;JP2E!3 \6Z3Q"
M\^PGR".9"$,P!,+>+-;*TWW!82G<*!O$8;/*G2N)<_SO$854$.=%<E"WE]PZ
M*X408U5#5$?:@,GJ5_I3)(S905@"+?Y50:G\Q)F\TEI1<TI6W$@KSM#CKTNF
MR//H/^..<\4_@9+!8N[&]XIS:,';HN!I[/SFX 5OVP2V86H19]/CKJJD52RU
M\\SWA8R0;TYD$#C3I_?A[<+\_.D\;''G_A-=6D"2/R=3F4L8[?+"/]$E!+JD
M%Z K X&N5>#T9N^YQ1$O\C,=B4G*'O[<\,PYG;-*?SX'(C.6XOQ1KH@SS6FR
ML)-(6,I36 #G461T5]EZLP4(.J>:*1DNUNQ/N%/\]I\P*8#_<])2F/'/?*FR
MU=6'@8&MG)!.'$'#'!3VOWVCE.DV\,57S+>7F$]O6UW3P/K==:9X#RB$;:$9
M;R)/ZRQUO[5L"*LY(6'SHWR/R*LKI1/&_;$\H-$+[D+8MP-YZBH"0"WW^.E/
MM6CV4# 9805)\K!C" 9ZBV;T@Q48KHP>)W\(9#X V,>3H*NPPB0+"0>Y<3S@
M6K8];&C%,:30$>2V%.,!&[82.4$QIL.Y=>H\X.(S[AT$UNZ ']?U\H#4_3Q
M/()M@6AU)P]X:8?$,(4<5-4X*1%#?<@# L#Y]=@Y&R0I&#L _F^4#>/VSZYB
M>(4Q/_5Y/T,N\9ZW35W@='*@!I[O29:&^NB)WPQ)?RF:5X.C^9@I_]L;$*X^
M!,*9YMC,-WSS-I:$D&XS=/XUUT_O9?[5Z=A/41VK@+!#-/C!F=G)O: -3HL4
M33Q8')5^BNS><U@DMZM$<WXO1#*IB5-OR--W]P#LW"3.<&X,QF8]J>/I>O[I
M]/_IZ=B?0W[&'(JM"[:]Q/'#K3I(0KO'A]2_!$1V8@)0T%0OYELQN2VXZ]L8
M%M*6YR35+4?B0=PL?$X<B#CP5[3QGZ<9?P9XSDG2&S2T;I9S\W,<^5L58ED%
MO5U"3Q:[?^;/'.$P9Q\"?"$T-)L/ ?KQS!R46"YYZW@.JF>/UH_C20!7_7]^
M^L_< 9OA/$WD2%7#^Q +FW!_AH0U&E)584F6\,!4L[\$KT6MM6B69[2K*X2D
M5#M9+3M^QKKKB:AQNA!_7PQ&GR! Z*8PW/2@C7)I3'U6'C<-#*1<) O72(Y.
M*GV%%:$HQBP6.O.TN35A>-^A$MVB*/7Q/N7@RYM%-UMJ?C2V(/>!#!O2\(,?
ML*@5>QE.B%7;AY>7CY_!2@Y[>7X[:U=4/MP<'1AAF$_GWZS>,"FV?9G;@\>.
MKPY<G4/07V >H>-^'&OD\R'AI:DIEWP,#+%7@CM9Y(J[U25!FSEZD-I]17O4
M\ ,O^R.]00[&FVN>_#Y<>BLW&-RT64@P 1T UI/!-7Y0 9NONB'$@AIQL6;#
M/8X$DU7.Z'4N9QQ#R65$GKQKLSJX_>@9OZ8&JM?@S>271_&< 4!)GB-KP1J!
MOK!W!(/"H&_GP _KKH<$?3R!&=*22A6;E-DY]65(-BY?R[3@08>,K\'(KGUQ
M/B\$2GT>KVO]D;8,[@49#O8#1BPZY,G6 .O-X.TX6QH/. <;:W#C8TTU FX+
M85=B ^I4*N+\X<YGE4F!1W#K=HM(WQ_Q-:$#29U<<A<$PBOYN.?Q[B1XTK:N
MF[#VRW5YJ>@7DY=2A ^R_%<F&9=NDR$R/&>V?Z9'L 5P6KOG9F[R@" MG7W"
M3MS#967QKVI.;*<?"-,^"^P.X)]V7"S(=TQ"&S,YMT3!@7($SNZT8[>Z]H ,
M9[VY[3(\H-0/ 4>+ZW7'EB8)@VD7,5-V-3MXP"%C>ZY4QA,W< 7X(1L7!3\_
M0YS7T#JU.#W5AT41M%T722/.TQ%L^1(F.Q>-O8=A.*+G]#N1*_>'(+!CFT-J
M7YIGL(M@820#7TNZ!$ZH^B!4PPY[U+6%S+"BS,GB3R.H(X;F+@MB;US<^CGQ
M7(39?/AH O( G^M(/"W8XOJMF6 !OP&G3MU&+E[:[L@#>FZNYS^_5'"KX69B
MD [X%CI F$/!YOX_.F@G(AT "QW8(1W<^#9#6UP"J!\6$UR0_QQY0C4:D=_B
M'_*[Z2'RBR_(/\E=I@! +DMQ-+(#.)I-0>!=;@'>X^%,>VSFVWF$: J,\("K
M)HQJ[IDWF.FG9X'9[8M=OQ&ZA7#UX28,BQ_!BFX]SXQXIC%L4YT 3@@A]"'7
M.P:S>JF5)*TO&$@CE',+"5T#Y4CE.\W_L)L]E+GM\@MV,XG835(,QGJQW/:/
MHK)I8Z/*S')$C:/&>M!:^R;$-69A#08X@>A$T BZR3"FIB57>J9:'8#\\R!P
M[UN=BK:'*_T5[#K>^87HN*6;):07GT*9[8C8A<"#)\<0LERX;:D&.8F$VRBK
M:D(997V?-,*@-&KMT?ZF(S,/QYX\)D=5;"X_N&__E8$01?7U=QPVIA4B:/H[
M)G@26M?92!K69YUF8.O)"409CN==B$3M&+GU *=(:TDFJ/57E/B]5E7XJJ5U
M4<K@QKH#^/CWOU\\$#Y&]D,TX9H H^$W9T%Z"=L7'KRM [&96HT>2BUIHSNL
MFK:+7TPKA/SZJ&?>V03['$E>]20#<^;'U2>7+^\^836P1'[T:98C:XL@.6;"
M':$=71])V0LJ_\E3E[XM8:*U$3VW;N'NV4=*A7#BGG?%F)_<=/&D?C6B>]4%
MXV':<\\@OC_]5)13MQ#;-J"0V)8$?JLB(H;>Y?IQ9LGME^BWR#P@YGS%M17#
MDBA%A%]'*BM" J[:)!)P?UL(N&GP.</HC,5)[Z\>J#5#(R,R!6'F?K-'\IR!
MC_?!+WNO\=4O<7<JWPCA5P]<Z.!H)](!  Y\O(O@S=[P>>;B N"#$1W$+LC_
MG,*2J$/D5_V'_#\1!KS64BN1"SAF-XG@F!C8'X*@G&TA F-<<\0R0\&VVSA/
M^%D0>MYK!Q!U:['K_TP)2E[^[*AFZ)2EEC-E?V$ _S"</_LJ0F ,_IN;:X10
ML/X ^<.X$]R<;<]=Z3%75G<5&=A]L*VKD)N\E3B_IO+'T:5;O\)O7A@<=9+-
M-P2.7UL8F\_"V!HI+'[$SKLW>"ZZC,-')2X2&?Y0*<(I$9T6PL\0GYCW$B1@
MEW:*]]A?8L,?#_B8(HE/T1B1+>R&Z%O:=?# XEGC!PP=26@U-XSQ /::2CWN
MAG2RM]84FI6'^,LU)@_@7O+(A*^UF:U16B*A4_H\\62A@U$4>TT%A;OATC_:
M'UQHSQ!"FH?"UUJQI"56I'Z)#/\A?3WXHF@TE"V,!<<ENH0:*I:RC$4"PS]<
M^R_15A=TTR0"**H+@$*!$\\B@))(00#%8@%0R%RI:3ZH<TE_L$%2!BWPPS@6
M,1HR=^7&_S :%V3JNLC<9"-P?LT!OGF+_^X]6']CY=]8^7\'*]V]C9F=%TQ7
MX=#N4 93J&GKT.[S5/K&,:>^&<_!K19' P5"M'NMWU^17)TXO3S&1 @617Q,
M<#NDADQ[ 3?S(3F G-SG^$T^4[[["RS+2$T=:HQXZ%W]RB?UQJ94J4U3-JJ.
MDDYW_"Q#3T-V8P.$C7AM1F<3.]JP.(^I&3]1N:L\,N*&8)/(^I1'_">]H-?+
M3W:Y4HGT#F8R59XC@V:MXN:!HX5DQ3I=:)_2'O;S3&\%[@U8SANZW?75%,U@
MUL8=-[0),6GX<C](0VR36)WQ4>O9+=7H,LRCM"84'\>2>]ET31"(J@G)#Z[J
M\Q;IT2;I&H3LT<J/_60L;/2<KKC)7?[4QY6K?'U/FZT"JV?I;$8[+,(#&*V[
MF1')-6HDW+.FNLU,#7(\ 8WC;SCS;>M]FITW?NY,5Y'$@YQEG5I*]S;/WKRB
MV,$#_.P1?TWD@.S]@9125WHF>S6N?%2^B20U'J'0>LZ #C;)*;R^10L./OF4
M9NS)EM^<?>/J;!J?8@:?^F=@SI4C Z EP?KGF$>A<8;,3X%GMNLU>>UK&+&?
M.8753=DT\/V%Y!KEG)0DS&CUQ+SF'\E2YRYCPQN8(&.=+:OS:.8^D:A,7,S,
MT(L'J\)45G0)C1<LMC6<3?DE,2+E\X#1!]BIL T\X$A'(1RO@Q]<>F^Y'/WG
MW.@1O K!P*V,66X,'3.]QV7Q16B</T<F'M[[HQDS,VR/..FXUM3\ O?_96EG
MR67265>.Y"QLB5V#F/7.5AY@EE7WDI0*CJ:1IS9"G^$&.<R\P%N6\^)N,H=B
M[T>D?(GC 7"KCBT/V.-+ZD]:)']R$!):"F,C?UVG03KX-7U:7 (FB2,GAHC/
M#P[L1#(^LXO_D/X1%I%>$6Z0I\P+&/ Q2I9:1R7D(/''B/RATT2'!WA5HKBZ
MM\EZ13-"L$CM0@I*#9VGWP._A$WS?5]L[TGVIZRH6@M%B^!<#95 =+D227-V
MU0($_:6>E/HU)_H/D\D@3X7I+9@,!8Z7!0B7E^K Q3ZM1FAT,HD@V%>W&K^+
M\?%A*94'2 :Z*O@]R<=:U8D-_S86<#?6$E8/\W,TC@WV2 (X7Q#TC$>&7$=^
MU-E$&BBBH<^!/O8#_M3K<4R,8Q>'M/QK]Y<O?GW]A&/^)VY\;I_C3QFKC?*/
M78#]).PC+$<Z!)9%VAN:+L-OZS5=/QPP'_[.5+GONG6%G<7!H^478=K'G.N:
M?@&YE^-=#U8$OCE!>) ;8ZJ]<%FX&5WI3U>EDF-X0&7_<SN+!@]7NBP#?0 >
M[JVH]7!WVO6VF9YE7CS^R5E/??,KF8VVUY_OE3*:2VS%2;..(#V<AT?0U6 #
M9:@?%A5C6#1@A?$HAJK>9 V*,6S.? HES7HP!=^LY;_GY66Y8K^5P/H[M!1Q
M:NMO*^P(L4MXW=]N^[?;_A]VVW]1^!96-P41QG;UCCU;+@0S_5OPIY?S]K H
M,B&:.XDL;20Y.M7?L?B6]D)[]F9&*S*Z>/*$$,)O<QV1T5'3D-&AP(&5B(GO
M*CB^^(1>!.NM042C3HA&$:[,U8W]ATI_78Q;VAO"P9_7_Z'^7U?BEJ![OVX!
M<'&D%^!0&KS/";%PUF]!V'DG#>#$4G<!1!#+/B/-8S 3IWK!Z;O;_V@]>!II
M_1S-^BV0/.^D1*A9XMH+.Q>'R!^<&4;<"WKD:>'@/R3_:0W.#"VZI%5\17&D
MHQ"/;J#,##L@'OWEVS\\^L^+<&;*GQ>[O!LH349 )!Y^'@'.:WQ#0$03;-O*
M1'%COB.Y@VV7T-B.I3PA6A/ABR4+U@*RY8XCM;<5_6$N(IX+YH)H37N!_9YT
M$/HBOE07_Z+\C9%_8^3_>8STP_4V[8<P]4/5R4?/=WCI[;U-SQ-2;-I?/L8<
M-E,69"-I8#T6'+U)+B.U"$*";#-X\/8*1G]R?<K!\>J(-+5!>2#G*>Y*>E?&
MT6-[VZ8>';^@,*]HT6^ E0ZH(J@S1DC!]P*'XHHCMLJSC,2TC3:]N)/N]M[&
M=;?CJDWJ$N:R<]T\8/D7_'(HE'D:%A$+9D:-86,KB#*X\ZSX?A,;$L>MMD];
M:O3;5$>1M^?$[X_763<YW)6X]>#5!\#MZA.D;1^4UR3$6L;4>Y[JX_JXK@(R
M9#YK]A;H.J[[<8L-EQ@8=M4L+DU=Y<GZNJ2DO!A!(+J263Y&K*<,/J/>+F1F
MCE&:2A0;3.6Z<U'W@Y_.3'D.-X@).K]KO>ZGZKS<_4:<@\VRFDD6@LRQZ7 #
MN3K_Z2WB1#)[+Q3:TG]6^XB7DUWOQW2M=EQRB%1ES7CZ7%0"=I/NJ\OZ5[$;
M%AY?KJ@U6MANCJV!&XFE:4U:JRK1RPY^,]5FMB9,*S9)>0:Y/G7)_!0X<BQD
MZD5I^Z>/;A*[BH5G_#FRU9;=! "L1[SA"'KH&[7O2LA=7)XW5$<1Y]A&'Q5.
MG8E6/% ]%5?;YF#R(2[C]J;!@8XKYU, 0MI_32QV1Q#VCT<%JZ[<>Q>X/8V^
M(]?J9+!^LXE?SS@]7'W3BW@A >4,%&='$2R"@(V532XXJD3A :MS4+GCI%L8
M*AW+V$><WVXGS0, !!VA#C2#A71GSU5:E\@#8B) CE^,:7)N71@/B*\$Z[>#
MXU\,[#D+&?^8 =@X1!Z]A9D.R]*$%U8%F%G 7.'/D37C*QK)5WW81IQCT%2=
M >3#3-OU9KK^SO!P-K%B#E/C<KF,?DWKY./3*:>]D61=S)Y*Y,KH(.(LOP(R
M#_#56A[B 0V]D/_"[OTN1-OY6(XSFE$!KUZX@Z ;PPA$O$+63/&-"XJC@[D(
M3CM4V',4+'E \_[_ESICA_S,,C[R@(5G0UPPH[>'C&(-0M".W,(*Z^\Z!D6X
MXVILG>ZA;U)%*Q*LMZE,;2O!0E&N'.E"^-)51([GQF18WPQMV8W=_NL$+3+A
M0+2\)1Y)9%!!"Z]<0F3O"2!""RC5$K#(G/-->\G^*/S5GO)@Y845-J2?O'QD
M[ N8EM(EU!WF^IKXBT&E_2^)>VPQ8D7'#/O#HN9L%,>+FQV.U,6;<'.1',JU
M]OJK88_(T\TU&F\<C3JT@_)$BR/5"M?TUU/^':;]_T9GZ#OH7Q;GR48(M2)7
MVT^D,5!F3*_,9N*E^757=0LB@UBV=3:<YEV7-[_:.'KHT;=+E=/D_V-@,J^;
M-->[B%UU+VJL_.-/M3[;_V):5O^KXO[*F:.'%Q,@^$?F6'\K,18V@"@T'B /
M^=,N)IXN#+JM4?OLT6.X:]>/P^D1OB$/+70/G(_E4VH&''(?@=1 CO["C4J(
M:#UZ\,8TR -<L7"S%-*I03(/2,H1_ZHE!,L1&S'SZSTT8?&U/("&,*:X0D8G
MG"2'2'G>F@P] $;^+;N:(?V<+KC2^I]CTS""''DFN4%9CVG4+"XUO*^'8WLT
M CS)S4G[:+%F_/6PP_5CZS4!J2A1KL*_)0+][P3,\%]H*M+++])B#1 0)!\G
M#J+'/IVCVNI=H"A-VWEX;9WZ,NF*OQP9]&65T\T,OC:GWAWK^3\-_;]K07^Q
MJU]W,0@.X,](&#W&ED:TACG, RY@RX^?&T4E@!4NB85?68XCBMGVNI%GA)Y>
MMYS+3;WVT=U>8.9S%L"^^.^ /__[X/+G'1QOU45Q3:L5H9AI",4L'TWUM^H%
M ^E2MLFU&VF*.+@]S,AXU\N\=1++;=;<7L__XV%2_2^3B/EI F.,[A6C?Y[$
MO)]M@?_LOV=7OVRG.D]%_!2:7:L)SS&5:1,4AOU8.ZZ7%M&R0WIO[\KXD\=U
M";V?"<RL+455*AVO>U]O;@8(9?O_'5 GS-F.WZO'9/\==URV69UMD?CN'N,B
MK1L_J@)\'<;'=B1=!A6J_T<J[/IVND@IPN9IMZ&U0%7_]4G!)E\N]'[/(XZY
MX9$D@+/P7D <3/%&:$?L!OCE4"9'&L/JAZR8VKAO5->$\"+PHB3N-!6^<[^1
MJ6;[E/RXMCQSWY.J.*J4\4&#8V45AS?EW*KOWG$5R:SO0I.PB!(B<%0_)A ]
M]'F4!R2'<KQ($&D_='Z,M RG:6M+]Q[YYO9F[25CMYQTM\;V-3K'>XJV7]-:
M_Z$0DQOF(/39ZO_F,T=DQX#_NHMLY<8QUC'N+3U=]6?/(,'1^T<SVMNU;\M6
M^)W15$_W:5.?O0LV;B%TD*=#%VX0;]C7R0-2^T]: B=X .,5L3R4JT@YA_QX
MM1R9X+"_J_Y=]>^J?U?]N^K?5?^N^G?5OZO^7?7__:I6@8&!AX-EX^(J3I@+
M!*_9U'#.T8"?[\!* #C$Y[C$/O521?8SMM(>2:/X61LAS6)"%UA!:DI&K<#Y
M6,;4S$:DIVVA[96ZSK":+;SUHF%73+GR^9*S.C@LW9XM#+\D5F#3#$*'C,=(
M#<9H62B;^ND<B#[OZ1EQNW=ONH-Z<%RESX<::EY*\<.4MD<R&R-S1#"COZ.K
M7I_G 8+RW!23U>RCD,_S",*J7HX_-[?OJ0;WZSN[X]>?IG9<]^IVM@DM#WV.
MUN4^V=8V=W4_DI/0<6,M0V!*G3[<!C+L4(EDN3H1/.9MJ':-#=/?LG^Z7>,9
M>S4FF+BW][NZO,*U_=0Z'.MSX(N#!RB,D-#$"K0@6+\,%H?:FSWR7;9[7\W'
M9<TZUOY.U:'3^F=<TW>W'G569XM"PRS)7O+HH^O('.Q+2R @:56L#5Z+<9 '
ME),2#+T(8*P^WOUF"2<HR^O-#Q&X54 J.GW_Y]5#[][7^):^&^ZZEX,:1 VR
M6=F0/GL?X76=$O<!00I79=PIB,LV5Z@C/CBH=_7C\.A-@0>4KR-;7:V<9MU7
M*6<\AUO!ZO@X<J#>@*LEMY:@A3O;2@7C*HO$Z&Y@@SE-'7=L.N'AW:015E3B
MVC@?:?,UI^EJPNO$GB2T018-9&53(1P_+![78R+"%OBJP+:CW5IM*@LYV3-W
MV2XGH1-G;NW]TE^Z[TIZZ>NK[]^_ R[$)!78K"(](ZB ]4A^[VN?0B['-O"
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M$-Q $J0I 56R7?!J/1Q+(SH_4],%>E8\?ENUS)UZR?/;I\R]ATI:OQ<?+AT
MX]><X"-M1=H6<TZ^ 4>+1[3>D$<3B8^>V$7JA4<)<7/A#<,JF=8,W8R02*6V
M,G?"A_EK99X/$@[<>J:D*-01 )C>XE:31PL5T!,DIFL]L1Q53X[QUH0ZF,FT
MY;>V%E))\76H9U55@W>;]M3=B8HZ]4W\5NFA%V5;([9<B>$SO,5&(ZS\+O2-
M;?.56*I)W\'6PI%&75ML42N1/-+\,!4E_?7ZV8R[U061MST/#@3)'>]Z-T%0
M6B[<>*BJ;>M9<BI'C*U$:-=_#P_R &D#DAC.XT<]!=7?.!3?E!KL&R&7)>"H
M7N0W*_[#P#LH3QM__7),3ODASE&VZ-#" W"Q^6"][2'D^_G7.KXW-4H,['-O
MH1I&YG-;K^-=PU]-=>4=-S_K]TVL"RAQ7YVN$5HGNJG>]1W?O--?>< 2*QQ$
M8;@3D]&R)N!8"!H6F46FM \ZQQQKP*PT9*=*-]_&])HX%XQ727V5@]A[%8)&
MR#?O5T363\6\&Q@2?:H?3<&J$/K RNJ)2*1E "1=R-F$N.C9UZ'RT#/'Q]@X
M,C^'[Y @#TB<2;XIXK-&<IE/PLOA@L=:<6V ?L9NH)N1QI'#LG291AQID@<R
MRLP@CT^5>3C-1AU#8N*TG>O>J9E;>JY)ON<J$G6J?>A^@6LMO8;MLU+<5+5-
MB NO0Z=RO!!+#T"O!D,F(8W,9O1YRG*.U7V/(7,FY@!3+O/>+16O[?G204_#
M*RY^WI=2OMY'1;L@-LY/U1Z)L0*-"UNKGO@MW+AP^XMHA@.&'Q?<XKT)*F3N
M1-AI6E/TLD_=NF%T#+86E^]V>/7&O6(":J?2ZPZ=RG_89_K_M??>44U]7;MH
M$)0F1&HH0A!04)H*@@(F8@$1 4&1)D0$I E80(+$A"*]1$#A!RB1)B@@O4A)
MI*NH2)$2E!14!"D[J&%+"F?SWN^.<;\[QAGC'>>.,^XY]WY_K/W7VFW-N9[Y
M/'NO-:<M!&6NX&P%1*U=.YR?$;IDT%XW\U<]%]APSBGN^68+_4RZQS[JJEFV
M3SWOS9^]/BU..YZ9W38UAN=_A-U]QB'@)]F8VKG%DA?XD8MX(=0!2F/[:-@&
M3 )TI#G)$U\$FJS5NE*GK="Y^N]'[*I<-!A.&9(ZKRG^<'#?!BP-9\*Q#\+4
MA2YZ<*2Q#;-SO:1M\_)W$GO=[>%@3H_EB/E!_9)?:BTDAS%%C:!DF3F7V-C!
MC\O.3CV\MD85$^; $H.#Y+\BJZ:7#IL;ULS@SK.<VEY>;:D%EHJGYSVOXE=1
M)9'"GNR_"]ON)K(SP':.,/2B>N:"LT/3&LR'&7'TIRS?WR:JN\DCB\X<^[ZV
M?,O!4*$;+U17?SSS/;78GI=2W #;CIYLYXL5  1V%5#>6\<2?M6VUFVOA)-]
M4-.WL@4+6.:B=J:^CKK7_JOX:D:45<I>%:U+VUS>4&6?A6[#@ :4-#_PO,E2
MWF:=1#+8CEX<WOYN8%8],/]R6Y!<P5O3^\-*7MAKJ^)_OYC7M<:,-%'HV;3Z
MH7Y2*D$:90X][9D-6(C]/7F^\B="P,/1JK"A>_F?ZNW""*)3;DU-54II(>V>
M3*;\>2.[CJU_8W/]1W7XXO$ AR^V-X"CBLVE"R_J #:,/M(K+&KG"])L@8?<
M.]2>YN'1]S8</83]E$J*^J3ZOFUW!VZ5WHC=\5'X!R*F(YAAGXP7'>9K@/!+
M<1<^<BW*W!?<C,NN66<LCV#'7:X>OU.I40GW=FMBH@%;8A*I@=9G, EG"*<2
M?!6;MH$WR;#1:^8:JB^$I_66=.GN%EO[1;=ATR1DXZT=675":3)+_]W%\O]V
M<X++S4^84N+_Z.UY)WCHT[V/O0KT$)]]!Z-N!O)D!5AS7&D;M@08PS$B="&Y
MBAQ!_*<[OH_N])%CF!):?;?;C(NUDKHJ MWNM69<WF\=.Q\Y()1)[3!@^X";
MI8T^;"Z+X0]!TJ?6H LY5<*PZEN!8WTN37(/@GV5."O3@_/KN*R.G T8M<W]
MV.IG:T1>8W5'M-RQHG_2E]9#3\'P@?PA)&!5DXYL^$-<?,Q!![DMU:3B=( 5
MIE42:A_W&LN_-4-HS/P2>T3B@%[U9+*29FO[P[AK@L'/#;?Z=?,?;DJ&=,A?
MVGD9J$/XMVCI#5@@7!;G43=:U A6<TX%07(QN79,_G:VS4N77EMM6.1-7+EV
MI%POV$SCBWMPM/ ?:3*EH!S0WH-L].LA):'4@H->E4-\0\;9@@QLKW_B>DW3
M.O@KPEB$;N30?2+^P^FKA];NR@JLTKC2%+8LF,I1XAJS:M()_C4J 87:8!<K
M<< $?P LJOZ1:>IB%;5?7"[^G_O"'+T.[RORL*P/UP7$4*7_9H;ZO\KL9YOO
MA8-H5&P#)/Z;X7&+87. 7[>M3O\X_T#A[#FISY;KA3EZU;B*I'=/7J.N(1_<
M@H 5.#>4B ;.=<T2$DB-!*[,6K\;OC*2?O3X7UP $-J;_S. BLDP^EEQ<3\E
M0(0I7GE[*]-/^>#7.K,MZ+$+YX2[,-O0OH3I2G8SK\,<"=E9!+I_ E</H/14
M&]*7XYY1N6J@"8,HK]]^,[^P:$?"RGD*1:I/L"[^Y UU?0'J@-=QG]]P4,M^
M<8YS%C(*8+\!D[Z$'>IJLQT8("@%%>JP:,E&D4T^068DZ05G9X0\>^B6HLZW
M>_+7C5).;SEH!1-;'T^!<3UY"10? GA8G*W+(J7C#\_@^]%;\.I<%S"UTB9R
M%IE2: 1F&^57C^F^&O"&YS;I!6N(%7DE[>-6/KJ7?OYG*#6"?9C72J"7T@![
M/8WCO"*C(2&<#J\()\42&^JG2+XP-ZL8K/!?OUWS],-[;\WZ'2.R65J9.Z/[
MML?$DK^DKWG("OQM8,FPKV^FQ=BL[H3?A=L+!G$B^1](<+XD5PL,GHV"(\ I
MG!E$]Y9^UJ@L&"OG4ZDS1O&H/I^1 P'25P.,EWKD'3"E8__FYIUL N!(G*SA
MB_WDG"9TV851J,@>9(-]]U *4IBL2#V.DL,*,X4S/*?ME I.*=M6>5 MA4DW
M=Q\<4,C6KLA\Y".-K^5EF-^";'8=?,:2<0;\N++.D!*S8-@GKGDB7IY>P<DP
MY_^(5Q:,9\FZ1ZIG)NUH-+CNVO;M0D1--<3W!RDQ&["&<J[\*%^T#X"[0F]^
M&_\:*8Q2QAT'3G7RRQ"0FBY4!V/#IHDB\Q/9@Z9/R\J5([+8[I%[[E<>GSXM
MWB-0>YLB1J!GJ1X!MQ;Q^TCUZ'O<Q[<8B:]JI!9F#H,%3-?ED@1;^][Y8+.
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MQ,4O5U(^A:BM>E(1:0FOD ??W%]XM<,"-I$ !]6&TLVM@14;7C;* +J&/=\
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M9Q*IY<P7-0'>04^X*A_Q2E^P*0:);3B'V<4;%J)!H0<=A]M#==2;79[GY15
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MKJ0$![!Q#,6HX6WUC]Q[;5<_,]RNR#_C+/DQW=KKQ!JQLR>WBGZF*\)ER^
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M9M:[(/W4MP#$L?!;^@#,FPO82*V/Z/=W_VQ2'+M$^I@]!4V!O]RC^%/DD#<
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MCUD'UO$0E,IJQ%D(G3\[^\$3WJ(_H?<WO=&S,-MY9/<'-XLI;AGBQ&Y0LCZ
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M,-WGF,?3I^S-#6N$T+SA@9-K5U6L7+YSZ^:-E-<^?R98-0"BLP7MH4\X6RC
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M;K/KMCMK1^^G.V4%:Z>M'%W^T&-KN?@D+=G0GUQ@Q5>H*27.83^[\D90/#S
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MF[(*6?CX&<6JI/W5-64Z>38:N*Z@[:L/-?;TE.92-6,N+^Y=%75+=.)[ K]
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M11IODU^6\DMV8(I79N#Y+)G7T0$6[5(A,L]*=L[9YS GIEMZ:14!L*!%\T#
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MA+@RGXDZ%N"4PC4-KC6/V^:D[Y!=?6*X/Z0R:?PGD=*O6S!/+CM^S!AQY3F
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M=C"RF:4!<ENUJ]_=1D$O?=_X2* ! B:>T-TB![CVC=&QMDS:2/GH7XLGEG5
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M??F_CLO\37_3W_3/3O+A?P-02P,$%     @ &H146JQ8*U5]50( ;%X# !,
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MC@XBBS%>]^A<6_L,.D,<P?&B991<IW&[/0^]GX8:A@9"64A FP'\[T<2,&M
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M\'V?G']FYT<.?T.'0@>;,VFROFN!\1/;!DC 9X67GP#.I!49+FL8=WM6;6R
MWA7'KS/J/QN?U47QHEM*C #!/LY*J ():--4^'"("B_V8E#Y^KG8#CU0^UGS
MA\&KG0:Q<TFJ)4@BE(>@A2WNFN+KKO:_]"J805W]X?O2RQ*OM<:4N^V*6=,=
MZA<AO\'+M F'/-6&M[>,,0LYV<N5*%G^%*_-XM=#GU5C?*6&X,X(1C2^$1>.
M<<D.YO!'9]?4P0IX+?<?!VF*U/U\DGQT^DL3_ ;*HT&++UY,KN="+!M8=P8"
MU:5'Q=RU]53\-3>!52<GEHN]*Q?8CY#;JF?Z4/SW)YBSSF.?H%!&Z>OO0E7_
MZHMH'6CV%'.:6+,/4E$-6^419XD"U9,HUT^/<6ZI9?+9"9[%0?S?*^]7*((:
M>F=#U8L7H=/'UMFW\4N+!G4\Q?"GZ/:9E]MI6OPI7?8Q*YK@?&C5<4*3V1+X
M=</K',:Q &EM:&- =;RA[/1:L/DMV?NW(W4Y6$ NSNK%!PE+\#8P!^$A/EQ-
MP<M'+ FK6]]8-VXZK,4CS"O 6I?6":BDA>6'57EF_44LE8IOF4_X7!H[W#*7
M-?3W76)3."*O:X[G'[@@O.U.TY6\AP8^2TF49YTZ?E\VE[7<&< 6_96I1Q:Y
M( B6F\ >\W#LT*;L>0H/VJ/A];-,+G_KZH;>5M?'J/>S.9WA<HDKI2'92WLL
M'F$@+'4&LN!AG^-WZ_MBT4Y+J6U$^U@UEKL*A]!8$N #C1>ZEKEMR_3UTQ>U
M'J?'[2-EU^G4(]Z42ZQ7'TAW#(AUEBKNW7J?.7LCT/4C49[B3&?)_EF(X5(H
MV%J'/BOJHY*CGJ:H)O[<\X 6UTO6:&^QA>?/:\C5P-KS,&%Q@9 &IH+_IN\A
M*]I1E!+\:<K)+6,^^)2!S[E8=#@O)G-I+P7B+EF%H-TX+@9%$Y3X$8J+[VJJ
MV/KWN81#3W@_5"PP)(;+V0]UR_RV<L [+F8CV=S1!"'1VHJ4P>9:.VT?4=.4
MIJV#<M^\].$5"0&K9GB;FOQZ:0N]1^:]O,'ZR:_S^#6/KHM4ZQID6D:IL ?G
M*)T\6$I)R'WV-E.O2;=WB(:;@^)$%1.S++;7CHI%@^.>KCJ?B;6??U&08&LU
M$M7>I$\_5%8OQHE9RT8R:ZVR0F.KS]S)8PF1D>?H%_Q-+MWZEWC@Q)-(3_O/
MB:%QU L'\=J$@(687:W4\+7M Y:4$^78,Z8);.#V 9:*R)G2#6'T_&'PQZ;G
MN7#34RPN"!)X2:..J7'S"\J*X+B4;<P'L[(:]LD,R"GP%,MO<HH*D$K=E4O=
ME<)6=MIR+D01M(K<IC;^S&\<R]H.MB0G6J!,-<'5U]K,*X0E>44/D;V@Y# -
M"+N&- S1J?4SX]@JL:83<?(((0K%+Q>=ID,]9L.&A5RW(22 3@9=6::>@J/S
M6H"@4>.9)"#8Q1GYFL@/N[ZR+)%2!6:R\V;SL$J=J42:WPX+) 'AWUP(DE2'
M5CCPO\YX]5JW^$^6I^'+='8/WI2O]4.NB6Q4:*><KI,C>(86ES(>)H9O)P$=
M?.JK-436T;^>_AR&$:&R-YFD5O8D'?=?=0/>A2DHM5#?EHMX@^4KAU6* _EN
MF2"/-T<I_1'QU*=>G/BU 2$C_:-<D"M>ZDP"/[7B_3' D\(SWRTX_NOG;Y57
M![4NO;[WW6 QD;VU5^36!7,4']PIA8_ .3I8$82S=[UMR2"&^_@S)/$-]R]=
M$W.V9ZFI'RFUA*TV"B.;%#P7%RZNHP7?FK9Y%J+UO.-X6D_,*4/[;HD>BV9E
M=PF!J["NT4>&7*=B64,F-6EH\V=M5@\*3X9I_^YM9Y++#D$$ZYP356S?-,\T
M[L)JR('<G[Z[2J'BFDN[1]%V(2?7:J,Z3.1N]"U>9ME"6LXS3@S<.KL33$?@
M+9J]&9S=S#?H;M.0Z69203C0!"<'G(E@"HGZ@:]0VTQD3?^%#<5?_%\.;,-<
MB5.(_6?SY+A#QJ(.[P3@X-OL)$#\Q)T$./(CSR]:=8.KUP@? Y-06\LRYZR"
MH=EG5+U@7%@MU7</JZMP!<ADN+K_B@0Y(P7(/)/^C)R2\RA!3YS4?[GF1H7;
M17%4+YPP>X"/L!+$UYZXFO_PW8UJW2<*41F8#/%(4>U668ME-QRSCZJRFC+E
MS7^CM[\3+VQ^X;[76:L3B]R@,@3-C0N:0+GNO&P?Q9VJVQF-BP1)RRPG=C5]
MIAAYDUX=_4?];@?SRY7#)SC/L94Q#0H\,\_8XYITQL[@WA9'2-QC.-\)"2#2
M&_ AF&!"MS4"&NM-0N/%R:D'2@OA7981@"%T$Y:2(X(#GA5Z<O==WC M9Q"M
MVYU+#^]DKUUE?.G2?$!FZY$!^$)#3"(Z"AGW5$'0FR<QYE[\W(1 1%K<3;6*
M5<;<"RNI.;?@O[D-D\]PX=&N]K]<OSX<C!G^5+&V_R:E&V7@1H4UZS@E?EZR
M]^NQ&MT5&C*M^. :Z;297"A"YMZJR5(XO3:-RU!NF)+6E(5:]<0UZ;W;IW0B
M5CU$=6BRAGB2(U:\E._ZN$']._,7%(/4824$L?'\493+$#WT\\^,%N[:#WYR
M_3.4RN0,6P;-2.'"6_ ?5AH7F-QKG^9PC!3>N&:J-!"H(J!6>K[(?[59ET9O
M7@'<BOS=V GG#9$#QY956ZLIY3UDDW;*H%*K#+^7<9'7M_X"I9$1B*<-HJ8O
M\DND=]O^=X:+=W[.UY9:3 J!@^V@C<@Q4B4%I[+MH_G@S/36.X"+.D/^(IT0
M],**/,4J! QQ66 -H6BI5$G$;&;I8)UKQDO-OV>8IB47[BK>HA)E_<C^*N7[
M/T<G*59$Y5&?$%;DG/K?@OSVZ]>\OSYMRJBG-XU;?2OF&\H#6D)2XW?.'C\,
M\<-<PLQ-O=XY++_^I"%Y4W7R;9ZXWIRD2K3C5+,_":C(J1!/.=/%&SNVV\OC
M?L@<O\L-@:^T&2]I@HL.376 D+8SGQ !;&'7%OBB]A*36+7C$[&Q.0GT4KCX
M$HOV6<_#\ZF-C_Y;4.4->"5T!_SY=X]SH8T'CNO9FG,S,G9G)4E67]FB#G!*
M@_.=2W\)A_ ?&C/A?Y" Y7MN63YH^)*LTJ@=,O-%D1):^P9\@8OJ%M.!]]HD
MRACE@F#"5[;#+SYO5NI>("?<Z^A;A>XM4R]J'WC)5MSO+6DEY <N-R':417V
M>S%ARCHK.*Q]$^9KJ6(!CM6IOU.U\ND"ZMO<E&#QYG= DHP7_[;__2;U7]^.
M0DZA"5_Q&YBI+G1,=XK G"W>RJZ^)MNV*>W*Y[&OSP/D;C*6<%]@G36A1:/*
M4PC9+>]( +06>BH_-?QND1R>&@G?W,# X8"Z4?N:4:-=8X9G<)WM%4"6C<X2
M.'# :E+#4#M12[<(]F?J^*_\YK(/IT5?1GX#=[ 7DX72FPY$>_.7#_)7GK%W
M7;V6VO#.Z=F;5HR68!<0IDBX.5F%9";<QNP6E-ET?'.K.1Y1/ZKN9)!5XP]_
MP_%(.R3_H]"BU689 A.XY%WJZ!/LO.AS<6YZ5O='AYJ*>K%HK*XV)?L;G1"K
M,VUBY_PE3'1U8#&>VSC; ;.Z[<3%U=H7X&*DK_G)2>MWF9&R2%)/5Q54(.0^
M/MC[>:B2-58Q@F:9^K69,7VQ0/KK%=HB9=[E<(T1_">L 2X,;[K2%R)='*(\
MLEOF&"<4G 31_)&A;//CA8;O3.3B1ZKCJ)<]K7!6P@UL1O8WCP6F0R^(89*]
MUYYHY4A7 E?W8F(;AP;%((5R[Q'GR1_,&LX3GX(-MIZC20AV][I67S]QY.26
M]Q#Q@9R$\DFS47U'R#'0:P3#(?+5//48X68^5P;_(P>[. #T3$J@*2G%;/@%
MP#Q.@?$A<%"U^Z\C^-.M)1><)TLNO1/M$7)ZTA]P&EZ!P/.4[1'I9K!R1F.N
M6-I(9-GCFL:6=S(E7+H].6TO^E^=YW)>%+P[MP$U( XO4%;MI0A=]+H:Q#5D
M6?U$XU.8E<;]]VV6NZ;A0,0ZR$3J0*X'2AOB@T%:!H?Z:Z'*8=";\SK\:J!D
M;;VKA,*OL%N"&#>JH[%.(>&Q$*D\^TUT\[9*V">W:/TR;YZKEU/@#JT!HHM6
M*WM=,KR@6"AKD]ZR3M+G!+.6C&7EV3]ILCV/$;YUG+]A5JTH+J*&/7HC50-5
M.MW=%C91_/#GY(N.\:;7WUJW98T?>0QU^TP/=(*9"<^N1^6YG0ZB/'T\O:$F
MM>49=_^\R[-,=[<0!LB\_PVMVO!_B=Y6$@!6DX!$ALG!>O0_,3Y6O^?^I7>+
M,>FO+IPC #EL_!NA,RX/"G_IG%/HZ%]H7SHWH- \*\T1SDMWH1@(*D&A.W V
M8'YIQZDJVOBIKDG3("T7U<?-L6RW;Q*Y>57M"I75'GVCH=T.S"7(X3]@ HV2
M#]H=^,=#= JX:L8-)]_YB&X'5B3K7BMX+\MYDA+@B&Y$)&;YM*$B-5@TA*<T
MA/#>;EE.M=&3,SI5!U]?J+UFS!60O!:T+G4P"*<CZ.,5D+PDH+)):\G>2*W[
M>NFD=2#SDI.1H)$J&_.5 UO"??S<=YL3+"RAZQBVOS/OG!&@HRS!&&;AH"41
M,3M,.P-F($H3A\ L(88%&UE*D<]_*3G4O0OK8R3R1#D=T/Z\"$MM?]<=Z$21
MN!9_Y(-^0KP+2B8!VYPR^\AKYZEP9_Z4U[+ZRTC.(-<NN<YA+5?^DCAG_B?/
MKBG+*MY\XTLA(B'>[(F+KZB?T*#!HT<'Y^T:BZKZ'B@+W][=UM,Q[8/< P@E
M>+_/+9=@CM9.@@_&6>!;WZ>V?X7IAFC@'5>DH$)X#_<FL3(=CI>?*IM2OO[D
M-+^7GW8/ R"G5  L"4 O=-G&O"(!K@N<"^[)F+D^ <M(MSX:A0SSI!F1S^B?
M%-MWD3])0)00=SD6V8ED7%<I';/90"<1+,=^EG!&5@*:$N'&FL9^4D?(9:N(
M:RWB>&Y;3$ON'F=9 47L '@^*8(QF=:OA&.E16J_8UEOFP2LH*+X.C,::J)>
M8/+8F0N<^0U\KK[JD/JV>-SA&/-,$_S-@1&OM)@24]'9(H2I^?"U3TAQ5JRA
MBO"R?]H?GT68/2]7,RLDB_Q(K/K?3!5[V]N.5>S=TU:PY3LA0HLW'/'F6:"4
M,-40D[%ES&#Z=UBV377J!1WA60KMB+.^<@V'&P8U*FNE8$Z4$PG@(UROQF 5
MN56.N@N>[L_VY*/[5-#W2B O;+2&^OO]6R5\>:GD*8XR">P]Q+O>>?\\_)1R
MSD[M"\8\6#@IA!RSD8 9VPWX(L*K#!;<093$=-=^]GAYU^[M>&E^<U4:9_K+
MBZLF-IJ]^RO*),#MU!).X-!NSUJ((P%+4!+P9/TTNG05[A:$<JP.:FI><)EI
M=%,>9)9;=Z.*^&\.TI? >(GC5VI:2Z@XA\L(J^%JZ:MT\I_BQ'8^OBE6^L3;
M>HW&B&(%W;*;2]GRXKRI:N:7-BZT*6/\9OR824W.J@SA8-8,X36(>!?*;JZP
MP]S3>2J-2RV:*9W_%,HP,ZMY+LCS*,4;Y#!.<2*& 76=PL.)LC!C^PFC.971
MH_O[3S1LRR6AX.W=.;S55NF[HY8"5Z:Y@DXKRTKAM"M+ONN;08PERL*G\80Q
M_-(9-WY@J;O8/V!IA@')@7?/?BYGH_?W87LAWBDN[+'>\5O6B/3: E@GWU""
MFAS=Z%++Y/-O!8^C!V\51#U<2RUG34\?$URG6D?-K+3/7QP+>>93[&9;\!W_
M!1L[497@DWV!6<*K222'PFS 25$E??_32]IP(A6,3++L#Y^YM?".BR=K'SC,
MWAF>D2ERAS+@*8US%7866%&/P.PPJS;%EU\COLG$!<0^F?NV4=Y3M5;FU?>G
M5>#1XD>G #2@\?'\38C!8I+V(BXI#Z][XE0WMD1K6IU-YY?)Z"_2X$0HZ=P1
M3DUDQ$;L*IR@SK@(3%CN> TQ$.NOZY]SW87 ".>?J7)MTITKB,H7RAM-+P7@
M+"*'D>'T2\1;Y,5DQY/S[#'N,PG('[5Z]M"G.\%FC\B,WT6C>:]?=QGV68GG
M>5O9R!\$6%"EZ0L#DE18-,KSN<P)Q08).-H#$R.EL'M$3N,DU+K1% G 6)$U
M-CNTO.%JU4N%R!_OG&L3.1TCF4>Z /M_7K]']NVA.XA&(CW@HU/4Z16IHVB4
M# GP ,6$24T0-6#]^ST=?+]V\J<<\^IJQ_ZD*0G9,D8SO-($VQ/;KW+C D=[
M><1QZPCX/-\I5Q,8)S$2P$2U*/3!M>CWPXTIST"_7SZ!##K"-+>UKK8*><Y+
M4AT4$^FE28!8Y1TRC7D).K]2C]0AQ_!3>"^H!WZ$):O.W(&'A3LGBPA66/H*
M5XI_OIO*UZ*G#8PWJR8M_>Y'1'6U7;U7Q-M&*[3<2 +P$HBH(P3C^KRB_9.[
M+:.VG@EF? MV:F*M-GY6OKS=>L:VP.D^2@+N81P-QWPGRGLV/&4YL74F$S$W
M:^#&%UY]5;T?Y<])0+C5%F=(Y=E+PJ5&[%#D<P3K^B3[PN:I&O'^&W2G4YI!
MT%U:^MSTZG;$HY]N5$MDV<NN(!,'QB0SW4'@TS98W&^&3,]6[)X,G>FI(1RA
MN?#RA0YCO%88P\QFYLVG9/R1F%D02656;$<9UL//W*&,!&4\]?(>+W[O]H@W
M0:ED8](J4U^P:Z[K=47^C379FRXF-!R*<N.+5EOJ[S[R>7WDRJBXQC6)+3&]
M\XH^-H]"KQPPH4T/FR1>'5<#GVG@R\[N!T;OWEVN8M>]>[/D1[[WM"#SY"/0
M8YTP5X(DICDF*4P,YJHUX9TU9#3NLUR3X_RHA/,])84:Y4O*X%1H*9RMB<X9
MJ]3:,!5U1 LK#9!DU+4F'CZ]Z.2K^NY1H2 6F@%F@Y 71I @.2E:/5$E51O%
M\SY 2A)M%V0NQ&NO1]O"SZ@:#YS?QKBVH2Z$J">+88ZCJGXIWL76+$E/%*Y,
M6@X@.J?^KNU$+'^"="U4<<?MR=>/;HZR,^7F*/8W]K")+!Y3O *UYP^'!&-G
MEJ,1W-'//YEUHG^5Q%Z^0K-(+P":-XS8QT;:5TRIN^%+_]F 60I QL25UT^5
M*4BY9OQ5%Y_4GQRU<#S[T<\<9FF60Z$:WLN;"RI!+>9 ]K4#P&?,L_#U]U+_
M/'241D4"+B(CC93/O'J("?=0).#"F9=_QSP8JQ>MT,Q@-GI[]FN!E]A._IN2
M[&&]RY']-'J9O#UG>J/-#+ANO&H1 8JW3'5[%EIH.^H==<C5&NYJ7X+D6\.7
MM\44/0S,!;V#+"*4GLT0 NN3IBW*Y#UCA]D34T4-([;:$?TM&'S74M _%*ZK
M@?/'7F/+F$3\A:-,QYLI7>'(/CIY*"O,RO;N?(_9J(*;]5LSCC>#B2HKX:WQ
M9T-$NC/790-C.GS%T1F3T;QJ<:^WUVXU3SZTZJ]LB<7'D-^_ZT74=8"P4.M9
MN.LFUT'3%:74JXW:LI&E59$6$9O,-[20DS(T!%6\WLH"HSN:F+0(I[=WGQHN
M&5$>\?*3O67)K_S([^*V%N>!U8[A&?=FK8-P"Q8>+JTQQ[12W85+X*6T_B-Q
M#9.R;"F:]DEKXXTO2G9#9:\3\7ITR+EP#I_9GB22HC(IIU[N"I&\]I%R[H=N
ML GM[ *?FC-&9-$G5OX7V [_[(O#W/P=UX"QYU)7^.;DHJ[S^\RK5J3L(CRV
MPBCQ8XM[*4<& XB8%J&QYW.V@RS>HK7#&8/6>?[AC-\C@D1VH]=HDYG"PO"N
MBPN="TD.ES*6%W0GJ@T&,M@>>F3E'*:D'N>X*TL(_M 7I$".[$VO+=K'M,*I
MDL1YHW!%SY=73%MF(J[5M5KLLNH!X ?!R^'JNO&2N2 $W-N8=@Y?O*A^]"OC
MX'^P]YY13;7=OO="FE(% :4&!4&E*56E!$2:B&"A"U$!J0&DUX0BO<,-"BA!
MJ0H8D"HEH2,@@E3I(2"]))002 @G/.?+>>[G/6/O+WOL?<;[?)@#!A#6M=8U
MKSG_O[7FFI=B@J=0[@KO+3]UV^17P_1I_H1[9!S1='X-$7$,G*V2X9KH?)EF
M\(VSZF+-046RR=U^Z/<?<EN0BC>*>&O+7C<59WG.#XFZ"T;&P_%G-59/(_LA
M28CRV6BR3*G5Z@QM97!@VV!%BA<Q6\DG_$MS_J+QKD3&N@ZO,.@56858,)<4
M:R'*AXA2" PDYAM9<[N+152D?A4W%IG%?5_\2$S'.[<> V=V^1,,VV_G\Z L
MY+0<%V4FI"^PO$Z0RQ#?YNT6]H2DW$9&[B%9I[B&JQJ.KOE]O^Q:-L/S>'(+
MT-+_2%1J5Q.KT_5ZS_YH1"PM75]9[_++?OA??$#1%R<=BU'D'BUGL^NF**+7
ML#[[;0UC>1^LC-);SSH6"0.(UUH)2I$+YOX; @C_NU\&0W1<!5Y-H$R.WE.%
M3I/;D]'2ZJUHG[A"A]'-RU9\VGT=OP3I0MQC<G+?=]$]LU?8GR@V!EAHFD^%
M@&7AKACXW$>%!^ _/=34I!5[R$XYT^7+3Y;"2Y7;R7:59O)Z?F>E4Q> -[,O
M.+\]:D31$J/:K2^5X[NBJB83+&;7X^SA;HZ\J6:9O+'=51Y/2IYA7I7;EP7Y
MYK5A]?D_;7CECT W7YZZ^KR2LP3ES]33B/B0RSXJDV0"_13$@5_G(/_T4F[]
M$)@>D0B^$4N.'W1#5RKH*_<U4/IE]6O'G&F3!M&F:'LK:1+EI& HRSY:?BU.
MHF!H8A#;<RB6J!Z:"=@].]U#,U:!#('=AO4*21/UL/RC58-;"@@67MX-!67=
M^ \VXA'9#@<76$[I H1<]F$K\2=58_(-!MJM7O5?&V+LPQQ^&O\*N=:VRAI$
M/08]%WXQ^PNQH4V(O^);XN*2=BS6LE\J_/2,S84GXI4T/+K'@(OI:S_VI\2R
MRVBR"(H=C3>K38FEZO 5N:=TCQ'9?S0C]E4"Q[RI.6U<I -%1[0I6IM(>+_X
M"?M>_^'I0]?W_%;\9BJU+P;_8I2V%&1C_"0>PI9-.3-TDH,M3W(P_.AJ#?(Y
M-3;&^3T(?CR'CJHF/LPW$#OZF.U 2OF1ZZHVF:=U6(Z\>11"/H>5826_&)7V
M#F9\,KB1K9&ED$7XJ6M445=[4<..]B;=_.^Q*=AU7$[F/)+%R8*ATE6ZJN_.
M.99?NS=53ZN^/7M:-9HA!'P=;0N/X0&QP)0<;T>6R%JL^*9T%TU-Z;J7EX9P
MOP@$5C/%0\ZHENP9B.J)F'.GYSVODWT7INH)29_E!]M!>,F71J7O6T!'&^:F
M.\KVG*_<CZL<-'[Z]K=O/V.%0C?1#B7F]W%$12:W#QM(4NQAO39H&1GB<RM>
M,)?MX (7S0J\EK&#50FKU/%]HRHP>DM^@W/8//CS>7:!KQDR%Q_=#DW^MO=X
MHHF1<J;V&!"A2JBUGMEC0#-@!Q2#_@J)5>/S.]_FF[JRGX6.WKNUJ.03\%3*
M4_ OIT\59KFW7IA_#7@5^LZ6)$,^-]G*MQ\99##/JY!P[N%@JJ6^=P*R3/3U
M+;9QH)PWETV)PG1Y[M;N;&R6=./9HZ0G0W<OW7^U=&?] GQ6!K1D>!0.GZ/'
M,U1@V9F)R#N_O*T>+.AX%M:4V+"LMVB>L='V%A7@@N85LP2:CH,$4"PK$(%&
M9K70XF_5==H[Z\@4C]$A0-W%]]$9^L#PWR$ZB^@DM#TZ>O;T7J32!#<^<;JM
MK<318;M9=^'V][P%%?O%B3;!*[2[;YX2#7$E;0%2A))BXOE6GQH>HZJ=/K$$
MEU.7XM/V5>F#\'-4"E0F.(S$ENVW-8'ONF"JQR*AMAI;;\,1@RBC$15[O#)6
M,(EPF5*&A7-82GQ9X[7+P?!<Z/RS))XR-FPZ *J463?_,DM,;6M'J94'B^A6
M>GVK'5SJ0G@+WWIX"7[JU"V3%M4;X5D J;*-<.A=&/6<)\U1,/+MQ<=0*"MZ
M?/#F]YY0(8:?[-/-706P.T%4+DMMFD>0V&;A*YICZU:P^V1+HOT\\VSLC'Q=
M+:[PFVKCQ,AZ2B_/>SF13^^_/[N#";OU/9=]H'\<3#&8;:9JY<790X7EDRK/
M:3(5HJSUCX&\1Z6PWD/H3 J.O:7&=[32W*K-P40_,/J'Q\4= <PG7B[8,!]T
M!HEC[S3Q4:RTGNYSX%$.]/N1>FOG+.8*KSS-00+.C7)O/Q2]KFQS#!2<@51X
M'\CATN80\9(H"3]I['QKU@(/;LWDD9YDO5=/]$>ORS$2(<"2&-J\F!9OWQ&2
MQ.TL' ^JZ:..A ]M!K>W_+ZE1DMD,ALW/Z]=$Y_L(9L2X?;]$[*?.A.^!!A>
MJ6TVYO;F!X8TW\"Y/NU-_5Y]DH.%[B_;%S.6*>]+\].7>)M%RMSAK!A\.J'I
MHZ5#3<!,$10:S#UA-MXE6?''UD2JPN,V4ERPF); \(^W;?_^L$6H&AF1(Y]F
MCK;#13;VC'&>;;O_+DQ)"+8!P!(H/U R Z74Y"TVLV0Q5+:49&B$U_?E^_J^
MKX5NP;0(WNH]ASZ\((\DL\8= ['([PBBL9KB,?!!F8JT+4^/ ;(!"/?YI CF
MC@]5AX5]H\KY+.#(YZ3W2AM\][HCA,A__AC@MJ:>DY\VA!_6GS6<899E<"-O
MQ$CF8EZ2VG/&"44?LL1.TK^PSI<9CFKJ(<6U:KY%49X/Z$C*R1S)&AF'DC6H
M\4=4[2QQA\*=U-[/1GS7/M159"69VE[$@D\V45<E5-K,H*W("EBH1"??Y2_(
MC[,MGQQK]5$2<;Y3I:JJT<L:"T*L0>(D#5CKX6)"B=4:G!V*KM[U7W"TU-%F
M?N68XU-HN'76AW91@$7((&BBG#C9[-'W\A/2ST>/_8TD8.ABEJ/X%8^XSP>0
MG ED8EN!XPR=$$WEM]@U\^&B6,OO-NX&51SE*;[S>7)TS:JA:ID'<((.3K4_
M44W-S^I23,ZL?IV5R:+&H,+KJ$>PK_[.Q\"I4AD:,ATQ"F_Z4".?Z$-Q6'1!
M%00DL-8?9J03Q7_;DOB.^([>P^W+)#"@B)F)J^>-QI ^J ^?7#JW;VN'%VMU
M=WGHB9<#0M0K32^,-_E@GT=4;AMHZ"B"Z+WR=>=*ONS06!X;K+YS87[XTX;U
M52K*7L%U=<!CWHS.7-'PAQ:-\]=5+29_G%+;>UIS^K*ICSN[:#P^&=9[1'6,
M?OQ0LY%60;UX=%4F'[;#+OC3]6=T*><FW8'PU;R;=%GD141;C@H1C+7]%@PV
MQ_VLL!/C_//"+[;6,+V+A?W!&3HA; C8-$T?%]4*9IUU4IQP?3-7)M;#D('5
MUW? &,7*>E:Q((81 62?8>F(C:.^9JN/CA;J135Z-Y%^O\BJ^"%";EW-$/)+
M==PT[]/S]<.5;L]YKBN] [ZT_=)46G1.(*:05(EMS;";([O\P<RFHV6E?\9Y
M/C@7W?OU,T)3XE1NXFM;6\R"3R[[4'\X?%LWB/6D,@9T)'Z//'WT%;SP1\7Q
M&+"20N]F\)&. 0)D5&8/$HKBCGLR]&6W2>=!#9_+Z%BRR@,51 H_"TV+>I3:
M@@\RZAAP=HM"71U%.[B=GUFA\(W*K/])G>IZ!7TNF8*2^LC(\EEC@8-HQ#@,
M*6<G)W,? ^5E_=OW""=E6=L/R ^I(RA!'G&.S,^6_XSZY!>(<9IPJ@\>S?0^
M*G*G:"U(G=NX>-VGG)%['7WV>>I:L_7ER L3YK9#T@]%M"YGQM\' &_1 <9Y
M0=B$V3'0E8 ^\H0L2."'_F4!5?C<,_D):)].T&!<43_WCS*@Q:V-'=P6A0,<
MS^&,T_K:VV[2ZJ'>3+KKIZ=.5JE1VW3>C6VD)8P1G[_"\V-^##F.>E@[\TFU
M6D^VG3J?>A<L6ISK 3.9#CUJ40=E(W!OG."X*';FDZ8F-LS'P(:,2"WBST$@
M>BM'8E6&*.[6UK_AQK\&NUX7=]V1!SLX\A;>Z^]9E^0=?Q:^EHO,AL\](4Y2
M7F_ J5[K>0S@%0[M25?(2O!(,)V7!'.)3\WPUE^KIA7UZ=X93\^6LFL_X?@D
M]-F!=DC%X&-1C(I2B2.GXO<]9CVH><4[QCOY\WADIX&;3CV.4 DO@-Q]WE11
MESKAUX_['F\<A=% 3JP>F!(^'R7Q8S,^*,4%">,L_5+R3JVV/A7U[=!A 7WL
MCF?S<V%)7TAF-SUZ1[GA"+^@QN]HFC%V ^YB,9G/EYZ(LXTTYM?G&'.&3A4-
MS!<KV,_O=PI*8&;;F@R?-'Z+=DJ[@W>LT6I.Q7I<KQ/T^21<L<[X": \=Z+0
MX/=;-\Q1XWG.,"%47$'[JVZ04,DEG(Z@ADALDC[.+1%U9;6$H"IAB;^\_O9'
MYRW[FZK,NGZT4\E7:+-_[<:ASSJ-6KQ$T#Z=M;Z?@;OSWEKGV>>\55WD.)R!
M&*QR>8Z573.AMJO0K,6V;%4DP0A$]D&Y'OU%G9$=7,VV#(]?L^8KK'N^A5EG
MJ^ZZQW6S\KG\3AV!*^)T:2E[!@#LDNEZ4BOBX/(,&]5)%1"4Z'OD-\= Q.-Y
MM\-SU.A+YJ8FJ?:Q-?LV?G^H&A_QP1FLGWV<7I6>2,J]K]<C:.B$7@L-TQQ\
M(KTT5TC:N#S/_>R5R.2]_'U6* ?%'Q01;$I%\VT\=^$''/SQ(,\3D@_B\_=M
M3<1;G4L7=;H^7.PBTXV:;E20Y-; '#+0(.<Y99-A!>7 5]#@PJXD68?AU%1M
M<$RDKL1P2)V  -DP7RF> O(+4<Q2Z&=;TW][#/P:=78DV>E>N+F2[$"[NT7X
M2)7A&,,P(8G M;?8;\.E8D.E<Y)*O9+%-OPZP1_B0.J%:'&)%604N-*PO3]Q
MXNO:C%K=*'37TF^\K[-2,L'7/9>'HSG5+D0<=(-&_1;OBK7@,<!4U#F[*TX-
MTD0)!'4!Y[*/7R,_&H,OW"J&C[4C#CF0$Q/D@%$4C]^@P<NC-ZU\.Q)/=359
M93U.3_F3JF@.$TC4M=C-BF,\"BE%[]X;^XG&/3(\X&X\=_(T!71XRG00=&I]
M4YZ:.BD,U?5A^LYOO2QO_HFTO;+<RDUO;B@<_GLL%-YR)^A&J5]VFQI;DLZ@
M6[5I[.9<OB6__=O<*W6B5V[FLE,1),R/>AB/8?@Z/54$Y>4B?_60*4=A9 XL
MF"W(85BZ&DI[(O:U<FXH_/DK^8.-/)WTHI%<B!]!X9!6'12G)GD,I!29'P/(
M<?2N'*1DEJ[49@1LCZ8WUZ=\7FJK*4>!ZT=7V7>0/Y*X@J3P^3-B(_E)K;=W
M\JQ^]/06WM>@_WE:V7F/'V/UOA.!@S2/UAKI03W9XNP%RG]$"%ZXDUMR=>%L
M(!] 3L#S1/G.!<,?_=J:WT9ZD3*E[ UUM*^U[7 ?VN"86^%,J*M!5ZDKV V#
M9)J>CC/#H*?S)GDY_W!)?D#=7RB7/+-Z06BOF3(Z^Y5UMMW@@1LO44H$&J %
M<AL2#&-N*@D5M<6)-@-AZB[VPDN^G:.?\"#,SP(/Z% [C+W!KGW&HL^Y20>L
M>)U7V_.G3@! 6IN/S,/I8Z0RWJ@UX);4&]\89>8ECAG^DIQX%BL["'7/<U#6
ML2Z]0A2G_A_3=D/NR4FB4FO]RVRL[L,O+R;G?F.R+C^,?'7MXA/2[Y]S8X)K
M<\Q@NJ 'Q%FL5C9)R1HO773]M)L,7?SG7(QKAF'Z$\_A4 B<TH.N=(&?"E)]
MY?OIWAO8M1$.K:F4'<%ZMKM7 K<]^J9"?Y]25YTYT7'_MO\GC<Z8.17@O753
MT-'AXS_Z?OW;_FW_XTWB#3$3SVA M,0$6[9/E, __FY_JLW&Y\A^AH]4>18L
M0$"FHU^")QYCX5WL<1R.II4K> =%O)Y_D/!7H-3FM=:+@#>V0G5TA%SV*@>D
MP-$GF((3XA0,M')(2;&Q+WXZM9KRN\JT@4#O4.BA/<CF>8'<%U1[#+ +X&N/
MF&\S_J$F20$JU0=([&RS$Z_LQYNHO\351(D&CRIF&BY2,?/:[  <DU_+[%Y2
MYG=)*:2V3RKBP,28H*-9=PPT1P#!W5KND#,P):+^O$G:Y:W(:EK)\OD-'B7F
M/U.32X6[W?-'N??>"?E](?P?)XU,1(%A$ZBK1#V\FS4NY_V'E?,9 ?"4/WU>
MEW?X?]0F/G[_A9'^^\H $T#BB=TV'$^;YRG"M\VUYUP:<2F3E,Z@6&IPYVQD
M&QN%[W!Z[O#]03O+3"A;'E%%PAPWI6M(_DB'9+EA[3992\XQ3:MU'14,&GIW
MR 0<<L8>)!%,CSZK:."7.OE0*24K?*X(^O=1$X/Z%\46W6Z<9_04NMZ)>O<?
M!!JB/59\ X\]!AB#U/%JH="Y#<Y J,23^HI8\[N3TR_2DWG:YD6O_)18[0^E
MJ#42/^"0;90KZ-JPP9V',0NI_- 9B_24H?C4@"M;ZH(C_]0!Q+0?7OUF0[#L
MY%4"7"Q52:YDP?*.R@A(I8U)BJ%$]V2M,QO*\6<P/1!\1@L6!&_K4CGA_Y^A
M!X94'KF*.P9:=()LOUY]TWIXKFO:Z$<^1;E_FSJY]R0P)';B5;%* <P,\5*G
M@X=LS7X_?^#V0W1Z\%6<$B$+]Z;+S#;\OK_\M ?7CMB@VVE.Z.9W';:\80]9
M608M(. /EVD7!(2&0KC(HL1:I)_A@X'=N%Y5\/?MQ7K.@X1%RZZK/\=HPQ:\
MEJE#B]/R%U_OQL<])L[AL(8<3C4F&>?UX5*YL?T^?9^+-0YB;ATD>,S^YT\T
MJ(LD01D1$B;NS+-"=$=V$Y0,PWZV;3A>3D[S5'H;%_XMZ8*-=36>A%7=;S5\
MG;4?)[]F&=C;1QW<7/WTG]K,5P(ZRKHJC.)(HRNT \7(:!@/;$9(&K_4#F<E
M^FRU'4HU??D$Y\Y/;16;B5VGD7@C K8@!5#7Y<X\1>@658[S>+'WP"FW(+Y^
M<A9OVG/8!ZK]YW6+AB6%&U)O[E1;Z(Y$\VZDJ?/+/]0"N/YO9MH)KSZ_(8@'
M8WP[P.MK9ZH.5,#^=+X9:L')+TPWN_D5_2^.-.%Z(49D:6)<(=D$)YV.#;Y:
MX1;(8\WI,7#OIM_DM*7(;/C  */I?W=7\W_;_R#CYA[Y8>(S.'4?>_.%IDB#
MES&M*.4)#4Z)S"6._3;::%[HQ]GS BJ??MZWQ3+RF_<!5Q)!Y-8Q4%,TV.1)
M.4/"[:DHX;+6VBNU:O;;S]]_^'UI'<\9#=Y"RY/")#!@ 6+A4I>:_.@>*;5/
MK<A?ZA=C#4%49N 4<&BZMM6&9NG"]-,0 ^_$WN!<&3UKR0V:>4(3LR\N>N1
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MJ 3&)5ENT?J.HZN$=V[;DXC]KDT.M+O;H]O,:UXY$PZ;%U^EIXJSE.V*E!E
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MM>G[V/A=P=?I[GE?%9T%"IM\LD'YY:XOJFI3 J(?G[GV>$]7\/231S(Z(L'
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M)&Z"*PUZ0!<<R["S/DM=G30>V[W</=RR[,]PRH]C0";E%&C1NU_?:=O_!L-
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M(+US##CS[5L]16ZCR/<V>,Q]?0Q(6[4=)>"D2A49YO?Z(4^_F3[S[ SC/QW
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MI?H1$QW>:<$^/(B!Y%(-/V<JQRP-\@IPG[/[-1(2/*S&Z)$<#!@F!\LXJLG
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M$#G9::OW9(KTGY,*\4;WL T0DR8#O/,FN.2O(DV<YDX'!2#CEHX_29L1E H
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M:?N=EZ<RFL:4E-KZ222[^;FI?>SYG6MZ\Y 1WGO$#1N7.J"#P.1+1;N[^61
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MBQJ08>8[GM[,,3\-/!2]B"4W=*28C1("X_V[45*5ABR[EXY;#SMN'1#O$T
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M/VVAQ+#>BX]N-9I;1AWMS]$.F+5LOP6U09YIY=J'>LIQ\#X8+SB_"54D,]"
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M[#OI,/GN@'$)X/+7I44XQ%&X"@&J3= FH-I"[#2O2H8=?X]/W?@FV.JT@)2
MSXMJG>IRGJ=@Y\F@O2"8N=O "EK8.3T_O"H&F7;_1.2;J'/KCX&DP!63N;&F
M5Z5Z7=.'-$ $W4^W"'K1*]ON.:Y&QY\\9\[^D*N&O.7,J'B9\AHLZ':F^.F4
M!I[$JL7B5:##F!SL[BVTE6-.>4457"QKF(1MMM& $P$21Q_ZG.\RK3JD2NR
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MWQ8R>;W:.8'"=*'Q)G$O+UZCHQ,O7(R3F[NZ.?I97SLY2N=,[AWT)'<=.:2
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MNIYKLXKL.R/J]277VX$RHB7J,X,F20?$*;&Q8]NL!F7AVE[[#G;L9 X:B $
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MFN'T>JR@P+#L:\%/<)N="L,[M"HL4\6>MQ][:&*MQ6CD<VS^^#ZMCPP2R0"
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M&-T'U):>:O..?22.S54TQ@:*0'V0&UQ<X7T:$NRF+[_@5#IC3W6YG)F.AX^
M5R&G?RF$BNDGT 7^4A$MAX3#S0-<<3Y0G,$@3!2=LQ+(4U^1Y"]7X>F)6U:^
M?,XQ0=SRJ:]+0UZ4JL,#0\6W)K8ME8;^:!%D*:)M+FK2, SA!=G0=!Q)33M\
M%/#FBB\EQ;,N,Z]M'9@]UM\9C4!YUR =%;1Q3^:T[5Z)>%/L^K0F<9%Q/_K$
MZ6\($6L4T6.7,]O;'K=$=D,/%]HS?3S.IFA_O^*LJ]C";Z7+?'Z?KGL.36[6
ML6F,$27>@+EAF+->I%:NWXA/?R2^$_GDZM.&;U-S1$J+51SMG F69WZ[K9'E
M3>3CQO")4)!ET%QM39+.1:_%MYY[3!CWJU%\+XS59@OYII1F$]5)$CK]3>!G
MW H=^;-P;T$A6BP;P[/_(?HZXNS6/R:R^W]C.?]&/=3_MGR15US"A-QZ'IP
M27(, B6@%>WN:[JK/AE<%8,+YL(S-B_Z_+6$'SSORW89A[S=[V ZL-T8POG
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M<K56T)41>>,2,X?)7D)[?N$TD[CYC+J%QLWWJD;[7P&!3!7SF=&S-[$NUB>
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MF#-*/(ON2_5Q1O;<$FN -='9\$R%@W L?(\1;H10^(^9/<0QH8X$4?(^-O#
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M'N86QI"/WPV]L-J]M^70$$$R$NOUC2-A_3'RGH?>\_AU2Y=>B9!"+JM8[Q/
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MNC ^^.BT,8*OU@D@:S((Q/=;(//#T)_Z4%#KE5C)$\!5<:43P(>$/W91]X_
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M-6C.<XE-YYRZ/!Z#6P+L&:^/'#>W0TX 5;;-F0EIBUL)\T#626R";D4-SNP
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MBZ:3OC22;UK1'MCC.W*<GB&%MH=T/Y4JLRJ]Z%34\-D;#?K9'AEZ?I1[^)M
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MBTPMV.0KY",8*;HY@0!67TIJP=AG::!W(H5DQ[95N-DJU-3R#>NW[7J,LT$
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M@+F[3[V4((@YX%/!F]><D9E0];$I>RQ3W.47U%=!3?6UGTHO8V+<]'M%L<-
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MQ@*==RX?*OZ_I*0*]'>V]/<CW_\R'$KS<Y:C//=W,W93_TPS_HR2<\-_?GF
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M=B$VS7,_'"/5UJN"W?%[TLCB$-K?ZI6AYRK0HRF:4A R1L'#ASO&CEXLQE_
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M^BA"@];I^5% 3Z;_!YOSENJR$P)/.YG,EH@?Z+@]O(*-V*G6WYCV;1.\7 7
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MND.C"(TK>.-B?.JB:P4G/O.>2FKQB.*=I^Z"$MQDP.FT**&2'ZAX@'=%9S/
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M;[-**1VK2K$-UYR_3ZU@$S.N%?_+"W.OM7;\6)46>['6/GS@,=7YM1!XGV=
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M<NR2Z/ W%I 13#]@KAT6SQ-5I;J_A+,\D5BSO_98>3UC[=!-H <ZXBZ_;3C
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MK7WR&=/L31[FV)W^FG@M?BE^X1NH1I*V].1="\06X3-.NHGS5QZY,U2U$'/
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MTNF^WKN=ZHS[KPNY)](.XF $JCVVK5T?<;\R7BHA0H8([9^CZ7[,+H^6"GQ
M^_>L4^+*Q31>+O/W# ;LX<6@6V?7I>X2(!V6T 3D$PB72T/BV\(__JD++;FJ
ML5;J2?.:%DPGHZ]+,:5UK%5+C^U:^I$"+BJVYR(ZTJ82FBQ]MW+JJ^H_C'$>
M=C=K'2)>;+3FL"466&]8!G_85_;CQG^S-4J2FC5X^Q3QGK7P'E0X47H%]-L/
MD[ 37P7AM"64==@1+9O&C.V)OFW1C^WO<UWO:5N:EXKW^5XL/Z5"AEHM@$Y\
M*BC </U7VLU,:8Y'.'3T<\/JZE'?$[FVOXET*F;)7:OD,S]9GQ45QQ;G*7SK
M>>Q]]B"'T?BTS*@][8#7]1?8G#X#:7J3X]3ARN<H'F<MX8R/PP?-Z@\RO/G4
M#>N6GR36,QD!;D,Z#M1),_F4=6X'7;VIU>GAI30P]; O_EC1B1:7PWI7*CN]
MV-PMS<WOR^ST.E>Q9^74CXJ/QPHI4LN HZN0^-!^5M)EHFEY)8J_J3'N3<*W
M0 &.S!(*<&XBB@*L/1Y&8Y7ER5(M8B>?F[CM<1SX0>Q.5/45#^'RT1+WQYF&
MIB9O'QU%2UGH,R;.3WQ%MC>$4(%O$-X)(W!3C;EGGV;_/FX@JO<[CB$->A+2
M30$Z39<1M2 21^U"AT)>7 DA[^WC=I47,^BMV9;,45\K62$:S9/EYC=B->?D
MQ,Q':ZV?9C>!?X3*&EM8=L?N0]DZ61I*R_/_)O>3"W;D4H1/R \ZG+!%EHXE
M#B46GV<_!,"1SA3 .\C"] X\]XKP('V#] IXNA(353"/CG[!92LP\2OCJRTL
M+FBT,L-T_I;=BRZ]GZ&OF^*=OGBZS2&82\W=A/A&=-Z>5.^UNP!OM!5Z[K\!
M!]$MJFH&LP+/KYO8W'Y4.2R;B3G>9I;VW9#MB.,#=;PW<>?O.(;$O,TR&"OV
MU;$UJ*PW"-WZ1?5 ]ZC^ZGC.J"8HJS&FQ'V$?R6C[?+2_--L1E'38 H0MR\H
M-3N%.;0:*=[:1H\:>OGQR:"W4SSG(JEK^DAD8K^W+*U+\^ZPX?C]MAFGAY?H
M_6AK;W3-AKP?.P8D"XTW I]/1?S60[H>_NVS+/[A8$LJ]58;G4@?G_)MA/IY
M<19+CQN\OYS4,4BW;\KV89$"L+AQ]SD\P6B*XW&)7+.SQU=$(3JLF;,Y3)8>
MU?D;=[?RYZ;F9)S8QD=DP@S6V(:]S-P6X03Q.5+L+-73E$TC3V@V-C.!_ (W
M+K[K+N(?@]WM^3\43B@4/TG*$4UT@Y YRJ@\:+#U,W+^&8QD@J"2''HA*GGR
M6X 2F6K)KUR15'N:1R'9#I+8_OKMN6E)6)26V'T85R_R_)A!RZY(LR@>JE4T
MXMNL;FZJS(VO;0W!U60\[9Z@&YLB^"Q*;#YTQZ):)V85L8ROJK\JR5Y0#!#U
M>RC\NJNI44_T;N3=4JN/OUB#Z8E7$.;-A$YL2+?I&(]AL<6OX^#-UENOGMXL
M!M.&WE7C2%2XIYH#>O*IT-6R.3&!$?75=OIW.P70E',PG]@3-6'E[YH5Q'&V
M6_U5PZ<7_,KUBOVU>^,=R%J:XR;_HX?BF>K.3S-=N"1S'^R(O.9\Q))BL":M
ML-@YQ9G]3HGWH$2+53/K<6/*NE),[9==+U17J-+7,M:3HI8K1O,4(.RX-'<!
MQ6XUN;X7<&;*S2+7Q5+BC<CUX" /_NA[GMJ<S40E0N:T%4%EGC!G$DL!3,D_
M$ZW>NB6+$M&OWC^M\=8UV':F'=J?<8..TT6UD<<)NC>1E?]4N$M\\;RGQM=H
MJT2\0>+"'K;^UKB3R?@*N7"9[\V0P8T9WMV[T=^/SFW4'>R7V3:UU(ZX/ZUO
MK(L=G[J6GNET-E;30(,)R,[YUQ?9*]L8::OG74=?/&/J57DEPGHY/WPB]-W$
M"?1SI9:Z-.05*@Q-VG0KTJS?2C5'\FIPY"-T"6XE_GZFHQ2@O(JX'&\8_%;(
M=-*X>U9UZ:O \2"CC5, _*N56&<Q[L]T[P]#YFC=58'SK05%<03H@J;\0EF[
MK,CM;V-F#X:K?C^=_JHN:6:SN?R*T8,!NFQ#-RLY5+*?6]!7]+O[2\$47&B9
M3GB59^Z][R'5I4FKZ."4DS'Z2ZGZ8\]\S1=5_2KJ#,)1MQZ]-WT+7#2]5X[I
M![7GL9I9C.RW!097K*NB]R]+47<I'RRF9&K18+3X0/7BEL+DKU1)K8P'.H"S
ML8FOH&F?7B@4&0!W..<>;OC*5$EV@E>BC'&W,/-_[W9R6"VEOF046;B9NOCE
MVUK-34'^9(^;)/.O_=!7VG/:FL3=?H2%M3<RR[.YK?XS*B_?V;QN\;/(\](U
M=7N1E9OZMKJ*(ZK7:?8/. ?\N:V_C6LH?8F3)KJM1@W32(8[O/XHJ84_U^49
M>,Q77NP_TDX6JC-7LO$S&I%XDBRXO.1UC<03"TQ^RJELJ1DM&0\RC"G-\4BY
MM3!Z<K9@[7\OC"J:'F(^2+1J":$GE/H(S_O%NT24.D>W(G7 /U-#@:44H%<)
M)W&Z4;_RO?B(\]I4,J*_3@&B*PV6M L06T$@58X?.6\E@SXE_ "9BC!^2A/Z
M_/0/YZ:W::=Q>S5?2J73[$638,C]ZK%B]YUGI9<;*^L2'*(PC""!F':I'^WA
M9X7#I3I]/CSYC] ]>DU#RY%]YZ$#Y@VWBSZ1;AEI5[L'/4244/\)?2RHO"@9
MV9,ZOT,\VT\!/A62HT_/S@B^!<XUW-X;MI(6<K*+;\-MK !F20GPVLF-'-!G
M*F-2P\Z=L/"9D1DZ3W%GZIL#2QZ[KK;@QG(9P0_:CCQF)111@#-;Z".AEIRJ
M6BMU<_?!E.3+79\;YEE\;G+\3[HN5I/[_Z+KJ6NT5Y6*6'!_VE+:+_=QQ!?E
MGLD+#)<\<U>R6!TFZ.]!?,CG7AOSO"A!SPM6H1/$89@\^HSU/?DBS4=XB<NA
MWXB%=K"[TI)PANQBAN6=UM8_.4O>>C#+>I@0>8"J!X-0W)"-V54*</=QV3>+
M\ )'84#!8.LFL\Z3]L4D-FM7AC9Y=A=O&&V$:WIY!G+GPV3)#RH:&)2X[-H.
M.*;C2_S.[*3-.#X4=>N6J>\12(1^_?H<R>%,OJS(*FU:/OI3XAG:OM[@!5AW
MZAZ$#QCY5.":.8[ZI+WJJC(^SKZ+Z"M(4UHLD]%Y-(1P6*  %_[!N:BM9!7>
MC9 5?/O'YZI0WI7K-/E>/JP?FE+_W'VMS9<6(/JX,,=7-#L\P_ZKY7I:GY>3
M#^M,XP6Z;_J";&QL9S%UX"E%LCXD";G)2M4DG_J]P-\F2%F)$10 QHT\UERC
MG7/^_^NVA_]N_[,=%>'?4H#D]6YR:SEU6TVZ]1:-(UU@1T+%R$U^,#DAK2GS
M/X?0'YOA7:D/<1');0^0:U^+5@K_[9.OM*-*FFISYB,>FW*+')8V=[!&O&L]
M/TRB,>?*HE,7]+IV)J&VH\L$/S!)+)NC(;V?>#7&6M%^^^AUN("J %=<1-@F
MXSA5G6@\*21!"$\PX/-K:5?7+1,SX/@WM74SY<GF 2^WA!<>!H5P1E#!S3EN
M,:D]R-U;VPU>U"W=BG1P[697M:\,-V@7'^<]$*D&_"6H3F'^(\?:83L4MQ,F
M?SV+*K$LQ.(X?2E S85($3*Q["M9@/0/=K43SM9=XN]DG'2_TKY".[SB%J'7
M@'VW9""D65=/*1\#/[?6HC "@TX\+]*T[6UEX.\QU>'=5E#56LPD3./U*Z+;
MD-5F'7 V?\>%5>S[J]8LC+,1?1^X(%F$V)UD[>US&H.,>2&#<^="+B'@A(\Y
M_HCK4TYMO\.;3\:J_]P=5J5_]Z[/P_[0V#OOBEAY+*H#_*VLS0F[W'%U>M9Y
M0OK\=&'6H5U"6)2#S[?X QY!Z+UK/21[0M;B7"RJBILD!3ZSD;!@*'V'@?@H
M+/;'DFZ%.H.U0B3+1:GDM%_WSG;]A'S[$N85-\?OO]-A*V;EM=+C5,?>&7I#
M!A9$$[__Y""'Y33P>"#>U]VPW58>6Y/[8B*-#&Z(WBS]!;/K6PF/1=:QW* ]
MR;5 ?J, I+<[\:@# F3_$Z;@M+J9UL#)1]SMS= XJ')[+UW*"\<=..R9R<!O
M)/GN81?TF 0^-O:ZR=@!/M)WBH!L_(*<G-<$US)2?R4">4! [G^:38J![+X>
M8$!.O$<>7PZ$>(".I.<8*, &E@+\U6D& N6W/N!0)@2S>4WU?[#[*5:$N [%
MZNKJG^9S+"ZU/Y]2@&<[.D)9KWJ$3>7#*,#C.3HK@B]_EVPP!G1A1B(K( #?
M*V*^XF&N5Y7P^\812O1@454 2KIH:,CXB #_.JOY?=C4+2LH*B(J29;Y0CX=
M@Q0_+WGU[E8Q!7@"IG'E>FUCY=_=I3A]+T[F07?!=Y.QJ-NT2]YGA0<91;!X
M&S.\V4D>55)'E179N,[2XT2?[*^56HE/&?"&LZLQ[)U/KIF_ZMGA%$M4:-&.
MP/L1KF&)BXQ1SZ=1@H2,)B?Z_NJM*)2/9\K.$[FU=LZ:[_2IR74"/M^%)R9&
M:;H1U'\MY?8BBD@#0_Y5GVB=Y2"$(%R(K!N'6+T6(I6!-;QQ"#RR.\MEO/^[
M,XD8WH(C])Y6QNJ&X,^T4#6F7QG#2=A^HSL<'S#Q?*.G8]POLWFL:2@[/@G.
M](VD?9UF"P(@J)J#667^--WI,+6_,7/(KO'&ZD#2H3?'W[0'(2_-?MF"J:*D
M%=>X*)\$4W31XA_:KG*7I8*_7^IEKH=KMW[.X7^;7</",9'=FT?S\(00IE$Y
MIO40H0")$68A6[TG'CR@[>VK6HR.$K%X9"@*-!"*?.K6>CU(_B!!:L>T7M3[
MGV^I/!#]#F2B,RTM^5S_Z?@[P'C!5 I@,%^@)8)@P*&[RY(NE,4G_,K"-D+C
MJ]^8IB>'G+RA20B+DV[DLOO9)#G]VLOXU!#12Z\)$>3V"N1?#<Z?KK8*A$BB
M,<(#)Q&!4,34-W$L"-(O);IL&IYS?/2ZR_RMU$^;RDB9PHL^J:.TGPF]1$Z2
MXG"(P(9E8MQ%,GA,1E:TKK8N:-5_.9GSG<@KGGCE:[OSB:"OFDZ;2HLE#[O!
MM ^)EAC#O@2)^^E&B1A3F1V^/&]Q3."\85609"FH"UF.?-DD/5_&3D!UALA,
MD S\OOR=X)8ZK)46T-7F%1&A?R7#38N42'0S))_;\9A TB#TSNC;!2A-O[D@
M;R(^_IO*(]E$VHXU=[8Z<6X=9E,K!0$NV(WV/2F+OS7#]'O,7.>F:=Z)**J(
M>C"Q7=6SPJ7BU:G;)5P#'(RAKN4$7W04PB#GY@3N79FHEU37Y_=G.BI:!G^W
MMFJ<C^B.(_>B@28EW OHQ;^VPN/5,_S6PX[0?2.Y;56_+C_I"V7\%TPFZ/!_
MJK=;1$]>:?$38-JC2L'V7=E7JX8W<URV'5/OORSLRA6=MTH)";T0"#C3CJ$=
MD;$C"#O"[;R-]%RR>#E71<MC '3=G_Z[H,J9DL3.F"W; EM-HAS!['L+)R'(
M%]S>_X("=/"Q_OHHNN43$O)$)9VOHFP[=Y&IN6$5!7WROY[1H560\WFH7>LJ
M")%;F&K8684GE\OZYPA7)$CILB!R9P]D_\MZP[>Y#H4"+$IR2(=S0R#LWQ)"
M&/]RDSC@9'V/>@I@+T !CHW<;(>(NJZ5:^@S33Z^'IWB?(]P1?+&S2\N:&*[
MFF#D<[544U2QIFJ81.2)>'59;L@E?R,-WWDHN[_O'UTE0]X2NF@"[V D_/MK
M)!/.#7G^PS>"\?QI+?MF<69PF(]-5]'JG&MEK[3?D0D[*(<9U7$\,:*$R]_D
M7B20Y&9%"%9E'X</B%9'<CE1R^&5-6.)YC?)N^_:'SM=>K=O290KE\$E37/H
MU8Y#G*#<Y]I6IB1+[1S)W :OXX.2J; =9I9%HL7:)N%R\3>'JE 7I_N#73[_
ML3$ .#2>7G>7:W\K_)KNI7V^T)@?_H"0ZY"#N$8!7DHQ<FR$"*= _NA.^N<D
MZG@OL84XFMQ77T8WN VWT".TZ@GN1,VU*?H_SS)C_^X.^'" ,L33G\='SQAN
M_>M$^"?R6U(KDLE_SZ@9IUMN+]M5^7&#O==>P5I-YEELBMPC 96?BCU43'"W
M"K;;PV<1@MT7-E*=2JW-IUH=/-DT"K*W'70'GEU@"S)SH!+UA=-S  R:R'1:
M.B>7J$L!>C<0ERA Z0O8L9D2\,*-2$O2JAMTB#9N&E=B#7&05:X7F]RSM%.
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MVMQ'.(I'\2@>Q:-X%(_B44P"YO]_$P!02P,$%     @ &H146FQ6KX,?J@,
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MM4P=D857GM[2_CO;T9Q*[_Z#H3.@0="94O*>YA?"U3-N_/5$2R*GF[[6_D;
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MWZ-_N>H[ B!]Z48)0OU024.S:SEZJ%0#C_+9!V?J,EB?QG1F" NDR::$;'\
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MS_.=$!_?HDB\G5R@U3T7QK6BPOWU2Q*'W-6Y--*/8-A0SD8B'5!X2TR@=:F
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M9<%+!)F /\;?TSJ?"*.NA(SF'B[0V'/H@!Q7#VQ/$T*5CVD1!M_,AM\;-C)
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MY)[B!Y.H>&).MRT3'$IP:5$ALB7MO-;I2!1XX<<7FBI5JF]1\^R889:&U5'
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M_=L8T5V^J6+\5AM&K+L/"Y'T>;C[.._-:*B_9+Q21^K@;"MG?O/E+Q,[468
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M/:9"6LKDHT?/?V0Z%#UFT$X#,Y4ZVV7"V+.'6[B:4GT[RI<U@>O3NWTIF!0
MPHKBBIQWUJ)].7.>HGZE&]MA(#CJKC7SZ\6S\Q_SY&$9YU_S:;8J\*@$BRVX
M)2$+#F-I>M_%V'EY5!Q=L9QBD.;#4Y,E%;W(&;#B6^&0-TQ0$8T#/\73YI')
M9!#SNF_))PD]=VK'M>':8""D(]R.:G1.4MN7>H7S^U4^DMN9R\5X;JCG(SRN
MMC9*)D1!H$?(6]C*L-62 \ R$ZP/(7TE,T5)E?_&*@[+/J/F<2]=N'$D_?H,
M^[*:]%F'+X_$^C:D)IG.G[#=(ZU">T_7],J2^Q)MH=KE+#IVB^+P2<7FVBG%
M$.N%Q7#RE%^'!#T#NH*:\:=S[1&*23F-%UO*W7T7L<(^,WYXGD]W+'J.^+FK
MGCE[0?[%45860^FKBQIDM8(V'W"[)19Z (O<L?![<,?W4]O#6ID^ZI735S]7
M'(A.!15O@TDS-+2VQ@P%]U9BW<XL%_[LQJN2G;@S9OY5OJEJ?WI-I%TS&\M;
M.7.93F#*%DNX&KC;)#>\Q%XYD]P!7ERQE=IIK9>ANQJ,[W!L, 4JVSOR/8*M
M8R61(TJCK$4>.O&X8I8!\&RM(0F8-D6(M-8L98U<*ER*C?UVU(,J"":YC;7P
M4F7']6$X\PMJ?@R >-4YAYFA.OAY<H>8V4GK3^>T$FG?@8AH0L*_K.78/1B'
MJ-!GLK_X1>!3/L-O_]GNUI46N<BCR__9Z'ZM@7_Z]R2S<V<T?U*8,C(%]=\F
M>R8;Z)T,P!=\PH;KX2O"J28G7UPVV<R@"S-<[@"3WZ C-2-\9INVU^):=ILI
M#Y&]I.P:T5?/P;S.\%08CV):$<HS)E*MJ^_-/EAZ,&\2B+HPS)3(4_]EZ8;M
M87K3\^7[1*K"A)"98H+ 6*E4V"6YS):A]>31,X53P)W!XE^8*2R=JZ< V0LZ
M40T2FR:OK'>.8#W_K!T="=+V:>?(XO+?%-0Q_0/H!L6@A7<*NK9>&PB3UQ=.
MFK>U:(V*6G_;:M]*\#6)&_NI$->C_/NZD?3"LB GQU(V53";E$4.I%PB4[IU
MD 9U%B) @5D'$R^TV0G]%X,G3.U%9[BLD[_>:10[*IO5&72)$LA\3&9T"6>$
M,%$IN$5RW1R'1W6FP@K  5Z2I7DI5;F/.AM9FJ>YE:V'=-T28Z7-N[()5WM/
MC3],ZP")2,]:^+L*EQ7G1+E':;6>^]0O1=EPSE2=!3W$D!6P':"0EUTM&%SC
MM('".HGL*6I9;?><#*3@L,]@+E.-9\78E&7X6?:Y*.=^<WVBCX".:7QRM\,W
MW?OT]>L<P*$W2HD9W(_]U^313X=ALIQ&Q%#IY?&(+A\P.&;8RP?G=%+\@].T
M-=_JD1NQB!_/!X.&B1D+7[,E6HZL0XYK.P7@5\>KR"5E?H5XHP>_K=*M1!:.
MXE[CY[I?$@V!(=@O/\QU\4&$.$<W/OZ96IRD_.X13*XW=8\LSQSJ$2,&W%1[
M0D&\"_E=X.>!#]@>1,UM+R[!KY:K7BZ:W4%/H#MRP0:'=57?([]A)#$/YW0[
MI&7(?@$>'HN7""3_/5C^J:\U:?<W8U.#^D6N*0!L2WR&96R'F5$W5?@A W"3
M>*8V#X$BJL_GNA2=?SH%'7#+4',3YY/L8G/=>\0I\SDS[Z5+!:;80(,0'K.T
MQ?/;^211Y!VLQ#/]K3K,W_5Y1FX*WX/++_E-9(*-V(XQ&\VT@&QW"!I1VE$P
M!-=2'+CMQ8@@=KIVPO5.N!9MZD>?9-C:WO1P_8?CC:3/M!J,.U *(3^YL>MD
M<H,<431<,""2Z7HT3:&66ZM[WD%A6(Q?^,%Q?"OZHSZP5^,5AD\[.QHK2I5=
MO'Q$W'U<^_(-L=RS(3=OB&GU!PGS:R5/G=8^D&4ZG+;CL#@<R@OA7.M@-$!+
M,W*5)4F6 8#.R!32UD8EA8^J0TOV>:Q(Z"KM+F*J;FHQFM^[I,+IW).;7M57
M>J0-+]UU6WBL_BJ8[T/A?Y,R(DN2F!%#R*TU4!5'-^P$U:B.G!"0,UAF(37H
M(IV4K.;PP)0@U:^5^>[7Q6\<A\L(SX"6.^G_^2K\5IK?_C@S4DMB!KUUE<QP
MZ^$  W#]A^TZ:F.0H,,WW;B0$$Z7FO7^ _WR"^,U6V@.",O;+G-__Y-5YZS[
M[-BJ.#H; QTF*Y9E4.XA;"*Z]Y#Z#80?Y6M?UK"N$3<=PN1T$VLWSVE M/(O
M67(<CJ.[S O=(X)I\?Z0@ZNN$#!]*ON/-U ,M7%['+23>J.'%L< N#M ICD6
MXPL6UD$"%CA/='64WS/_RQ]JE9TYY::K+KGQR4BMDAM\G=.(SQ:I*&&Z"+FV
M[>E\389HY/GB3'6TH*;\%<6HW#-"B75QT]W7?0V!0_X;S-M2.D7(I7?/*3$
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MT[^+\M^+29;]DW4YP[S,@/XL:XQEO_S_'+[YS.$;E08Y<'*%/&>VPPZTW(>
M'!:7\Z>G=%DBNYDBY];E2R0C<F81N7NX1]=9,95BDF:JD[Q6_)A?GV".>9)8
M8?+FJ";5"8[VH16A/"BHF6<+0Z6$@W7[Y ["[Q,.7V&+M2<J FZ7!#]2JQ_Z
MX;=E"(Q!$<P3]@V&PR%[S%L>=9I#]M'_M:3M9?I7+.%&LRKI,7EN$1,Y@16
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M*E&R%+])HUN1W^%UD=:%GP^BG@N&Q:9_\T^(\X>]IV="'H"#F$#E@<@3<Z\
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MJ5&IJK:!XHL+4_GU"FQ9NR&[FUL=C'=1,^2>=Q8\V#PA$O==>D]\%4S$=+
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M-KH47,,$*/*YJVOZPHP^##%EV6K_*.U9-T)'O4?TC8?8=R; /K5!&KZ$GLX
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M!+AF_+?\H]@*DUIO-/0SN%DDXMK0VH-R3#F1\?&IIQ>/*#S;W$W2X=*B(1!
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M)AT"K4$ZKL<V^8S=5A01>UPYG;P3@G<>3>')%LD#,Q&@V!FN2Q].DFED$*
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M.*0;K@CWVAB2(R% Y?OQ$0FX$3NH[>$*Y[Q'@&BK[%IJ$.B*8<MI:Z PV8$
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M(+!7T@WEQ58TY:F%^JA5E(N$0?WQ)RD<2@1Y +Y#G70/$D'A3:.YG#O3&AV
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M>8!P#H%KM8?]*#MBTH6I%9LR&;;H182G!I _= SMBPHXO$:YUXKO1ZL[=13
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M^/".*OEH5;?#=;?\,,N"V+9@<RCVQ:.>>5[G51R3KRIRM_1L\A34;-,<VH(
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MJQ_1+N 632G<Z8( 1RGLS91 [.BL0#8^!1\"E^ &77#S<;WS,(-4&VK>,W!
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MH&MHYYX:C") PZ66E?=VJ0T\=HQ//;O#94^S"(](+<K2M7S)>XG2_\1(V<Z
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M4N.Y0WNF[Q3XF^!HT^2P@R>V-PQUP56,-OCM1P10&BF%M*1AIBED,H0[DHL
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M/+Q=W=Y??+@W6G&WD+'BEO,(Y_2G9J'0!YMW-,O7%J]0UV-U"XMNRBI/;<P
MM=GP/K)4'1&_\+*(I=*'N3E>-PYE/%N=;-O$]",2((J0RN"V9F![2!"9::3"
MS:_F"CK&_U:R G^XCV31H0_KFZC#6RI?=&45&=%,-0LX;1S51T]RPQM1@#LI
M2=3 U\NT&82Q[-L]F748O"KW\U)9^@ D098"=%023U. $CU=:I2D7$#['8&7
M6&CNBJ,E=X+'4QZ4*PF*C\P-.4P,3[VJV7PPSL%Y-T#SZ)#"(@2CGQ6"@[/
M[69IPB5'5=<>CZ^,E=$W7=MA@-J33FP:^I^$HBD ?6VB$08YG\:V?;C(*F4!
M'TSK ;HT@EM8+2]!K+9APB\].(2!Q1^A &6XTUY[A@P9\ 8M]6/C1$-2O+I0
MB[=[HHWS(TF$^?6NE" ]CYE/$/T!1D.""D*<BG"J1)UJ;.IJF7?V3+=#4N/>
M,$Z1D"YJJ?/V/%O#U^=LM^D#+A*N/R H$LT8$BC H91BZBK<'VL"8S2I[CJ9
M:ZR%97T367$/M^?40;5D!H.!:EUS-5[D822&"B7LKFD?R .#4)D ?S\WEL)-
M/Q-12XMX51KQ2 .$S1LDI'"3@\QXO=5CJ@SUHXJ!)%,>8YBIN_+.DGMO*Y+D
MG\W61O5E^&; $_YDIJYYMJ.+D=6/LE!Z/6##ZE#I9+7"-E>]LEA"9(\8N'EF
MA$ #B8=C3*C!!F8*Q,ABO@4O^4'Z_'B!<!7-0W3=WMQ/.>^GG/=3SOLIY_V4
M\S\I1=P%K\I?BRDDM\&.8D81K_&79IO1%M5I/?G5M<XBY0E'K6EN:4E_]""?
M;.W=12]?W:0"&@[:CW3I"^9K>Z*PQ#<B5=GG4*"5GMFY)/>M.U=$N8/^OFQ1
MDX@*( C!)J&\$:UQ>#&E**B7L^W$>SRW?X?(DRI1.85/6W?ZWND(L%6G?76S
M[7\/GDN2D0YO%KL&.JP9!^;9:GGCUKF )\YSS^(JQYK(4G@PP1S62K5D,"&\
MT!(6GS0O^-KN@<#:2%GQM]<U4D6E!NSKYL6]K.ADYDR=>X[E:FR85%P)J83,
M"E7#,)M-X;7G1I*3RPTAG2:3S 4BMS;SDY7*QQB8>"\5Z#>#4H. "U3D.A2I
MP(8W1AZ]ED\^"9D:"'@)'_(H0Z13@-A=A;TK-DX$%2(=ANJWC&!2M3!B80\4
M:A-?2'GD:93:?$'*7I_SL0L\>'WDEM7\E<<. .PN-4#T ']-@5*UY$-/&SF<
M"T=]M8LJ9%.87'*+I!@%T$$ATI!S;V?+PIHADZKUZ@Q#, &\#YF=?UK). VU
M+%TY9;'K57[Q8O>FD!J.+FTO=PX2N@TZ2#R*]\]VY:8 =B/E"#87G%(*883X
M]E5EC*A^Y]5*7IUVT>.>^@"4*L_T\1B!MDBP@[_ _5'NA!HEA.7TEW-D9K\;
M.HS4D"BQR::#ZI7B\"%.6'[<!;R+M^OY'JG4-Z>B'@BNEM^P("^X/G8XRL.V
M7IVYO9:IAE&/P4HW/!X+@6HZ5NV=*G$]F3']&<[I?D[GPG-O%A6Z RI<NTZY
MY!YP1=PJ&SK MH[E"J@91+M\?YW[JVC['"B^[YZUP$GF!M_80\O3 $!()3/1
M8 ^,S?>M!F#/[WVWY4P+33H5X_XYT.5D-:F>>5DCX3FZM&3M9[DYG0OF.)F/
M]-P;<L3ZTD!5^/92?I6C%4-5J'SPT15"RTL8U_QDV^H(541FZA0'VEJ#X^8W
MGCR<H'LS\NAR)/.1[\P./D[I[AI^L8":H.?/;Q.R$1E?$<]AKD?,@UDGF04X
MM,MC>P=9O@9?##2C !R"K^-$$PTL .(;TO/O<3BJJQI4@=]HXBN#.S6@^&MO
M-/9WCM](O5Y5F9U)&!$V6NZFA]6,-8,QAI!QZJ[@HNL&R4)$U;JP*_C4/*V2
MC,UT[V$1S6JUJ\CE[YH[5IB+0#R7#@:)MYC%&-'.O\'X$(4T"1?M%/.;P7:5
M! ASE6=6[R;C!M)#[&4_@R3!7">K_!B1"UYO<W1(SI\UQ.NU2Y4CZ"5=D%9M
M=2NX.E&']3&GRA($X8UE(W)0?YY^&.P48&R,C\+R&\59X=,+6Y<(G](>EL1>
M$KSA8/M"[!&A5YE6B)TG";>]GTC:3R3M)Y+V$TG[B:1_TJ!-PB,PZUVHA28(
MAZ^TT:>/91_&RG?+=]<E'^V6Y$7>+%VGLZ?]PJ?."54MQ6MCQIK4F8?>NTN?
ME1=0%U!GCBJNNQ?!%\(RI<$K].A =>=?N/?[';O[';O[';O[';M_O.A\OV/W
MKQG[';O[';O[';O[';N!?\:MW._8_0LW;;]C=[]C=[]C=[]C]\^X<?L=NW_9
MENUW[.YW[.YW[.YW[/X)%VZ_8_>O&_OE4_OE4_OE4_OE4W\H\_8?6S[U5X_]
MCMW]CMW]CMW]CMT_X[K]!W?L_L5C_V*?_8M]]B_VV;_89_]BG__7QW[%\7[%
M\7[%\7[%\1]+N?WG5AS_I6._3'B_3'B_3'B_3/B/NVW[9<*_'J9-656(521V
M!9W5[,%V=Y:12(V)#HW&.+T.2%F?)3S^WM2=U9M0=2]"QR/YF?U6JZHAPY>'
MIE\9B*IMN%ZJ7E U)S4EAP(TFR[/-EGS&V,6FK*8ELY/MTUNIQ\^,SJZA^YQ
M@4X,<IKS^]^?N'W=0$PEFS7Q_T!7IIW)8#ZW3VG?#:2$O#[3;>^9>!!/\6D3
M253QH\;V3*.9,Q(%.'WV:QF/VG/"OMZMPDE1=4*=&[GS#=X8* YOM,V#]\V2
M+\$QN62.PR)D&%62.2A B#6YA>I%+32.D8D(O!$I*I\"](4@2+L03#83!//<
M!;2U0P'BLWY^8R.X28<"9"&)P11@WA1>\I "[&(JJ,Z-!)D3?F>) FS-NU(
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MY#K/*)]/6JJVGK)I.9CE_94AOK4C5557Z*!R@X#KUA"NG!1:X3$>=M$CF@(
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M 5AEQW "- 6D*]&8PC='2DAJ=O",+VWD)R29Y!6F.E\)BI)^Y.C=^-P^[D7
M#!ZRPV/U\^*03J4#J1@.V)QY"XP_5"@H08T':W\N:86[=;'2\K,(X46.IG/W
M0,0*A0Q!G>@2>L=FEXO"TTD'.I<8UWHCF_A!:;(ZR#G=DL\ZW*CE[E'[\$5=
MD&EPW9<<096?,K-U:3/ K![ MFLFBV>)V5V=+^_7-GE[1R.5U?&AZ=*[C$@A
MJ=.?90_A('D\VWD!1N7_ L$_TSTZ0-S?Q8[ZT%@#W]%^H(4J,?'J.&ZLMKXZ
MYFC;R19?10G;[=M>75/2=UV#PX-?<28=3-G[:*R5$FC]QH3N=MDV.(]D$M=9
M@]*8VK\W#T),ZO2IF6J3;Q>Y>C"?--8R9C+.83O0*32%7U6;0BOWZ8#WB-=^
M=3''^\F7FP(:+B,Y>0D3_$U_F,LILO6H(03AZKCY6 5^AZ8YH'MRRLNPY-7G
M./,D4_LAP3F6@N>VFA[!2[J[H</_EKW>8 C52"XZ8) #10O!FP72A+:[BJJM
MZ&/:BHK9K[W?A6);PZ/PI@^?X1LKZBQ&FZV$1 ];KGXGVR[^^5=FCZ3UT &6
M$U0,C0-TG=UM^BA3Q1G'D5Y*28]W</[=^%Q.<$Z$.+#SB@U&Z)IF@B^E4. 0
M!-^$ABK%UG$&'9//#KKR3]SD),1&SY['"CDLJ.FHL)_0=(I1.GECPNB::K],
M?>(/HM$3==QLJ>/5FD;?"WC2;Q^O39X0-8ZEZY</&UUY\M+MP:H>+ -7G;9N
M@O<?5YW+1!X!?4O&EL698G?&IN[8:EP<FZ)=3G7/#S/I'"TX'?RA9^OUI[97
MB'JTNWDTC@GN-LV<(M^*.DV@;M0]2*(6X]GSC*;7-7JTH&R<>2:P^DR 5O;=
MSW\#_U4A%?P/)%,#+ '%/8 ]45E!M$D("5)E2CQR3M!Y,DVO2$2*S/97F<:6
M0HR;8_F*B44)$A&M1\/-CIF1[V9?F,CP)CCS\Y[^RU5O-]TMDFWXK</TU;?S
MO?P$?QHKXULD#"R=A8L8$-7)UCEZ Z\';'[N/$CQ.%OK&_.XT^_>\.&F'6):
M] XB7OSXH+8&7O&"&,)@8,;'IT'^T=-L=='H5/V-(P>ZDT=/W)LL@^JKAZ^?
M(ABW-LGW;\[6#39U\PD/ON&6JFJZ<>B&V\JK3Q[6DY=/-FK0V$K)>J$^LYUK
MX]A0<<<E66)(DF3J[_ZKQC;9Y[4'O?VD;A:]L'RJ$2(I)IAVANA/X=E 0(Q\
MSP&$$Q_:$4Y?-<]Q4;NOVL%YK3F([\."_LQAH_,K)JMU!,\#A3Z+. JVP(]1
MK(E9FVVK(PN\91BIPU-#-F+:6[^U?IQG\;LN_OC,-PFQ' JOQFQJ*6&3="V5
M#MC&FGIK6Q;WECJTGEQWN7L[5G DC43)G-FSM4;X# 23B [-HMQ&Z:W"CR_/
M6105'0: !T#PQ__:61SL=RY0+F0]#2)H"#X8Z0%H&R&6ES29HNHTJ-LG(1 B
MU):]:*67.J4-.YLV=?HKI7B;AE4/SGM[N),I.9'RK>E@Y^NR0]YN^\)PQ]$K
M/B\2A.W=?(^RAMPVD=VCFLA$ZFR2U*EY-'94EZZ ;341';N+$YUJ$; F\HT]
M%NF]Z!)YG#HA05II.]0VP[QO TO,9Z_-.IG4OL^1V<!\W>S:(;M\@#%$!G<!
M_J]H-D# 4G@<#0F="3LI[BAYQ(0Z)NSH2$SE)8M%#:X:W1"A#E4]<2HD_Z3
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ML:'"-X Y?IZ(, &?M-F(\Q VBLM6:@[UF_Y>E_[24'OK<JI@7\/GSC<?X3&
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M#IXRG$ZMQ/"-CH A%B!2;<ESZ*4=K"KI@]TXWJKN"?#RE":0?ED(^SM^WJ3
M7M+]P2TA^VOZ+*\/1XHAQ&AC&()EVF'4SUP=VJ/9A@8$/_)*AK#<@U5[IG3O
MWP]XG3]I\T"I*?AK3U^([1!*JO_]D+96D9WC=XG\E2$[R:>9AU1/6$P$-I\C
M0CH%$E),M: O@=&JG"@;[_$$SY*\_MP]<=/BL736VX)TPOC\PJ.EC1_ZP =K
M/=@I=+,XTK08[":] U^7@5%;O@9. P\T_;!^9? A$]6IBTX8@\S0]=\X1/&6
M,HU5C [(AA&C:<TYB/V 1)RS'.-6#NDG^)<H22JB?K0FW0%MB[I?+V7O*4*0
M8+/]K'V^Z$59?@CBF3Y;'$(A E^:WO9!3.8UU$(3 A478^ %";#=T$8$APN^
ML;8BV?YYG.3>'60;TQYG>_C,'/_>5!Q!<G8X%AEV;\Y9I/F"> :^^]$9C.WG
MSZFLB]MV:B5KD7X>DM*I)EU_GMST)%:0]L%3!#D?]=SI9,5-BL&["@.91^_D
MG6X*Q:(?Z(E8$+N"+;3RGS)LU5".F9.*B-2:]EYN6B^<?W/CG+.K"?FJ@^_"
M6E-0FZK#9_M2AVM7/U:J%O &2$I*\;/ONR">(@C7X#$W52#<M@,+2%G#.]Z5
M7)R]]SXX+]/N?W)\D52ZO-!R660N42/ ;<E.;GZC<V7]/[DL7O1OI0H6$ 1'
M\[_*3<P0?+FAEZ_ODD_IP7*GH$&-.@&*#ZT[.H%9^*-71M0=Y-GE% 73S'ZX
M=P[SD_:^HD=[O\(K$(^G6VF'^OJO5#]OJPFQTLQ>W- [(V[OF-UQC86M3DOO
M9[@S'\-?2*,PU]*!3&7"-JV#%;[S?'45,5*HE]2*+H>WB%R^5V[.,3(ERH'L
M;ZFHH>F<P&;B9FI@6X8T<?1(LRSMB4Y$%ED6W55R(%X^JQI!&"OHQ0BU_F!!
M/UWY8$'_!WPG.WQ_F*1%!YY8@#H0.F=#"/+V\W#7/]V3N'G0O6?H987=7>Q:
M"!V0>4UX2&M75#Z8<WW%U3,]ECU":X=$IS77$8IUS>'^EJ;3><J;]J')"KBE
M_2ARNJ Y;2<)?-A).2XY=XL 7]N$2'+'C%+!G&E?)I,V-7:BI#S=N"1V,J+Y
MGK,QA3]I)HZBZ#\:O-=VW(867#53UX$])M?]PDK=6;G\L?PI.E!VJ(D#9"_Q
M0=1LKKL07*\0^53,"T(E]2N2+'G%NM74#9"9YW?SK?GNAL]VO@-0[U&M.";C
MKURC:<THP?SIM?VVH0+K00,.C;$_;:FE&Y$EZ,OM8>;KW@<KHB":K [6(]B7
M'43S=8C4^B,+U159)Z-^?*8#-Q1 #ZZ^OW?B/C!]Q%:L$ME).D18#(WM #D;
M;64[/KI\&G!M&%A?WS5SN=CN^_%+2_F$UOF_C(4OJB\&: ]J-O\$(MA]R'ZH
M41Q_;\X,8G1?47C,Y=GF.1VE)0[Q&(_\RV_@\>>VX^).@@4P"M_J["9%R63=
M@TA>%;Z;\^:'P4)'K/198W+Z,7GQ7QT17:N(TGQM:JDN)U*#L+8_5$.4;/7Q
M$47=,?3\:!AX[_R?0W(%'B&RL):C*"TON.C[@_5_9B6";5OW"]8=7_A-HL=+
M-7 C_119^%MV^F<=UI/:9YDBQR-E^1CVN\@H=-<+),1R/ZG2@27OF_P0NK@<
M^,;!H3'?1LB#'*_L;8Y7F+^PIJ:A%%L/Y03U*<E*<% ^/Y*$-5_'M#0I0@%@
MBAJ <S2)((\/:A_%X_@=O,2EZHEJ.<>S:QX-.+WM&^\4[V#TUIJ[973_O,X2
M8SMZYIU#37R5,BB7_=R_8.2HCWU_OU'-K\K1X7 GDZSL\\'S[@[V@CP9>9T9
M-Y?IP%'H$\P,!T4L"@]FT.G 7YG/Z)DRW&&*X0PV\28;2 =FG[&/CU)SA_;=
MT@(J&VN>=OFJ8=9J3ZCV"3[U5)!?\Q\EDV@@G-CY=3^X4".Y$L$6^NB-)?JU
M3PYQ]"=3,^H>[%GKSS3-$\/:KN<U <89V)C*'.DW]4,C(]=C;4^"MU'.T9WP
M9"OO,9=$M^?\?=P=P8+CDM&=X50.:B12%H\[A.K2921LIE0VE(JT.=QQ'O_I
M&0YDGZ<-GWW,K15FI/WP=A."6HN>>7]L:7\X#LE%U@)CI]MT3V7OFI$^OAOK
M_- LHV^W+@$%1T/%(8<S]ZKT[F8S;BI'F\PQ@[:SKG/D>#^DM_3C^RL__7G;
MD@): XWX0_^J5DB63>R]XNQI"H*&( [=E4VY 8WC;6@<P>*EHK_#-#8(G&0<
MB;:T9DB]%N!?<<5 ]LM!?^Z$8&9,?B8M ?K#^)M0RGX<;5-!Y,@^XX3VGG*\
M^]C1L=;LTX]$E+?H?/+V\+L("!(Y:ZG/<$N0[1?0U^G ?"XX36,-(;M28-0\
MU!$P1P^,P4,P8[SKT\O=%<&,([DO](!F5?4LDQQ*!8LI':R]8A=L1V&$'?_1
M)%JB)\WBG#G-Z-71-!9TLR;.,PT *XR)2M&$O37AJ8P0_MVL8=)0@6R6VETQ
MF,\$_]TS+!Q'=-K-("_@&2BKQ(Y4X$N&'K:5OG][=.$E3,DTON )860=<W>(
MBZ(C0H+Z_P9JY].CUG0@HWBXZ41HR"5J(=HSPM6TW]]F[B*Q)B[)>RS::$G=
MZ:+X5$0R(\?Q%-(GEF2>L4A=R'Y19[V#J]'E954AK,9UC42S_FM?D=W54Z,W
M6$F,(13.IIU,M5SU5$-;(V9[.S?N\"CY+18::R?9S '5V:1%K&E63EI#ROJJ
M?_!(W%J_=S1O_T.BOCPI]5(J;WG$KTK1V7+=*>H[^,PK-!N*':DVL*MSK"-<
M( EYXUR%4L;;I9Q?"+6*<LRIA:UGC^-%SWI(2G#72;$!X#B-E?W=^!*Z"M;A
MJSZ857IWS;TFX<G&4].9(N-JH&B:X 3["VLZCAY1V:,#1IW7<3-)*LZFQ#]X
MGVE6YE6OR-[%LN'MH[_]OJT%YJY!/E SQ3!06 &ZSMG=]E9[X='P6\E-[&2V
M668[9N]Q('I:?(=A/P\!Y06"DP>,D$21=$KIV+:2""%G0XD088<4H3;ILB.O
M@)YO0Z/H !X>2]'X^*5(A"KO-#!;7E=3>T2[C>?;=Z?#/4(,1SMTY+<E:6PQ
M9.NEZ<H_*95'D-PU%W*BM$]*5](FSES0#WIX+S;@1:361<>RWP&./NEGH_3@
M1G OQ6MS)M!@>*\&CE64E,[(V[$:1)>;AA:@6WVJ(XJ_'5Q,><&Y!%Z1DUS%
M)^>OI'U#BG<&V2Q962W'-2>):2,/#PRA.==I2JAOZN)L]4&QB@^;+;RG I4V
MI=^6W[ _NU)BP!6$_8D#9>'K)[S)0I0KQ-[FWF2M1FGFP?WZR<D36R6;Z7==
M)+G^NI\^\KUK#V416%4.P&_[:!D2-I[,%EO[OO4.#K]1-]_J[I=>./^*<W<6
M)@+W5XY&L]#$I\%893$0W;8?7^/97QEQS#IQX^'H%8SBO6/J;5*!DBYZO=:1
M*$>H=W[-1!P^I\4\2?P\T3A9V_3#N(]P4$?>K-VNF9&W"]G27KMKUMBURDJ?
M]Y03@/QZ-EI/#+O.<W A#@'1,@V["1K/#C_V )_@1PJ/APC8E,>77HU.4](P
M#,E[NG"9[7!@[+FO8[0A=(UR^UKSS.:CH2;^FAP192@)^818H.--PE2,6@5I
MC/T$+ 0!4<;(BV @(0<*XY0UVDFG$="S/>1XW]BRP/ZL8U"-W!;[!^VN,R<S
M$I*BC)#E%PAH4YH*;1S!HLL*VFS;#B(#"U9R+(T<CL*,FQ(W2,O$+,,4P8R7
M:<\_%6C*1,+5<+=&D(X'NR\O#-XF+OS0R%<S&CK\6:=67V0RS'<Q:Z2H=A)3
M#^Q@*] S6/B6QU@:-;8$OJ..?8R;P=S4'OAG#Y-,!5&IP>_!3_-VZSO[C[-_
MGW(ZUUXY?+HXG?/WD=/WOG661JQ#;_GU+WZA)NTNO['J\B[RWOZN1R[RY)FG
M U_SC.?TQ#PIQY1I5P-GXZCWFJ#D1LX%L20H9IZ^0XI"9.. S?4_&>Z#$:XB
MQN)FGZ!Z,)PTH5Y\L2E<;+PKQ).:%"#FGC6U$O;$I6.(652<RRGU31.:^@6"
MQ5,(%OAJ31QZ9WZ'81S=?"_(]!E2EI!SS<;%^U[$AXG+KRCOYE(G+3!0V.SG
MDKM);K_6*'#R>8I2_PX=4!@SF$U1D^RHY?484T&LM&7+ULG\4URU!-5;C^W8
M'!W2L6T=LKHC#$&U/^>'[$]ERQY5<E:S%B$2=Y\P9IZ4.'2Y#$9C/=B7 (#H
M4J0 8;-U$Q:*,2=@$AO/>>4^..9S3+JT=+T$+<4L?9_[PJM+I]MX;24USP/D
M'+S'$T\L18-X\_F'-5KOE]]^I1O:S5E;4\=MONTTG_O[""($FE\:$-Q(ITJK
MCO;2!Z-.G@N\++7LG1^9<:?WIL=;:6P\A(,+GINGN4'/9O'3ORGV<Q'!OYW5
MF7Z5\6Z(\*??S?9^>_&&O>6+._.9(]^^2D' '&5 Z[V :X%'A0\G:QNX[:,^
MSMG/U%97/^4Y.7(Q95Z+<<^TLOR3V,#KS4B&[9MIKIR0ZF$NRSS5=T'IB_97
M'HK)>ZV/%"%]BCQ)'">A#5&74Y4O:*VVZ'WO3!QBB7%+EO0TQ9K&+C!SL8!Y
MUXSYQ<1Z,EI"?G<,=Y(.>/O_O6H;B5Z3?05ERE.(LJ> [0*"(J!%\\)0.^@
MJ05W0WX+2V//HP-JYK0Y--GEH#Q'Q33$H&,Q)(5ES+ZI6#@STI3@3V.S))^'
M$C37HQTS:[SR:)".QL7/%?719"XKM)+7^B^Q$,4ZZU@K%5864>$U^.S2=(4
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M1WI?_?MR-]VW) H:,VK2GW1X_UST5_@/)8)$=$+)",D6=V?I9[Z@4!J/8&7
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M<GJJATDXUW$M1BK2L'$-GD7\)!9_^8>^Z C6!Q]')?D&AN4#6&+7,"%50:'
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M(1Z9;&SQO_O0U>>?JOE]#/"O"U:WAA;8>F9YK=8_H'7<:/CSO+7[JT9[ZJ5
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MYN]*U7#%DV>)'@@O,O7'>B?10Z<%O4B"]W)ZHT/N%9M((X;A4ESI,3D%-D4
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M!#_)"P=N0[&$N.%NY*G]"?/CWZYC/:?$=X'WPS4N&9O+X=Z#X7:&";OD@RR
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M/@X=/:O^.R)3"2-* S4_D"LB6(48X;)5*/O O:I+Q6Z;!.WVJCF[,T*+K/N
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M!8G!%;KM[80/(3_/$X8?9UU2C "J:?4[E@1MW&,6]9#B E)9\W%_PAT\@S'
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M=GG<8^V)^%4D;]51JH_[<+!JC./N-ZXAX[IOU0)AV4ZZ%X0N[YG^VC %48=
M?'!T4:$;O*_DD?2Y*5T>3H5OD:C\=E2(KYJ5^9=,+4F<5O=:DLJWSV*GXEFV
M;85^@NHA ^I&A"RBT@H"^'N<X]I']Y)&U^1%0O 3[SSSXM<L3ETF#A]VO5Z:
M,<%,X%WG&Q/PCZGLJNB29%/M:8VSNW0N"[\CZ6)'-71MRB5&58K31]I]-.['
M^'RJ^>%&KCQQMXH.6'FY&OV@EPWS6 *4/F/5%!9H]]-Z5\WUL:J5(%"YWZ6N
M'LM9V>F;U,E20UU UO)T[G+"AKS.S!R 68)@O-.Q^MX:!Y2KG:)O@H3RG4Z[
MO!C^Z:LTFE? *#F30N;;[2_:?0SRXWALXN]:'1)N<G_5=M+_Z89PMZ@"7^)4
M4HPOPQ@ORV(G$;0"SNPX ^^R;%QFBQ7$Z_<^-Y'K^6ORKD35DUYI2EB 6OM$
M<M%#)2?^6SFK![GK*74T5HSV)F0\C1PU0!B(5Z>KPCTU9%/]0O:^;=L8U^GC
MC;34P PO3C9U(Z=.#K8> T@P^.#S6)=CP">=8\"O($@)"'<%^J-U!8Q5QQ7V
MN>TB&HQHV/%I9N0)__GWX%!A35FE_A\_&/:-PN*"#R0(Y&- GAZQ]AAP(^ 8
M,#:!-#JIUM/,<G+.^<$*./TLC^3BK3NWQ),;H*7N$L(OKWA=LLX]CU[G$:0C
ME)#/P0DAQX"RBW;'@*[%Y6. 9'7*RBY9 (H&T=XO$=BAACM*U@S1;9=>#]W>
MR'/ZDF-O_NMR?3;LD;/ ,8 GAE(,_R6'X2$+((FSC;"18T#C1L\HJH;*KTDT
MJX[@0&P#ZRG-V!G_96GX\W7LX ;%9F,2X08@M S/&E\KC_8V>#T3\4!*05'!
M)WCKR2-#*3,U"SC[GV8JNQC)?92D'"N1O'N1=W 5PGMEYMRY;V4%7!_%@W/?
M)?,]+&7H_RT@DY%./ 80[I^4!R,F$HIQA\U]F@AI(SS[<G2R;EM377.^%[ES
MH7Q8;6A%_S23C\,IAQJYG7B>Z2HEU\G#+=VV2<VJ1@D+>?6^U\-JOEFEVKDJ
MZS"C6#CE"4R6UA^Z&C2,> QB-8YX?TM:U.8IME'U00/JJTOVXWOBWH9HGZ1!
M=L=G=[0O\DS6S-6L%C\G6<0*X$9[N4P5&CRO+E ^3D;"AL,R[ /W%VBSP6 (
M:_*+85*QR"C:R]73.XW./TI&)6$J]S[[T'BL7VET+L;E;.8]V^F M"AKJ?R%
M>]J<J_*GY3EGUS0SC0/P$E3V9R2[6\5T.&2J_YBIP*]1^<2@NZ'J<G=*;N4+
M(LX%N3/Q90GJ,0,B3;LP"*+<-I([_*DQ& ?%^'_QP_-8T?\<:120O#:JLM\H
MG^G05YP8B;NOSYA-MX&L!Y/?J@XL$P1FD0<B-;.7R5:TWKQ#K/?"SY(%70^/
M 8)O1_EO\=VJW[19^V/P64O_V1.J0*NA%.(-+)761Q=!P3'' #^>Q#N+O[S%
MC(,Q;$4#EJY/M+L:+]J&.>"ZSS@ HO\+T*R#_W\ :) T.,]/XF,,%.6.2>D!
M)N<]YPK ,#?&O/9<KLP4:ZYS_Z+PHL#+4>^M1]9E9CNVVW8LNY%YF"H1R.?/
MB5>FMW5/8[\K9DVL*P1FW4UFOVIX6'69C*4\@Z.?B"#KEP>@;-%[JYBSL%.U
M$P6NU6HRDVNUD4_['07/Y!_UBS5+8K]W:@W6Z%&JC._A@PE=E$_.A#A<0?E[
MHE'G3'U[U4CW@-HU3S6;ELW-VR'[UZQ\K8Y"O"N^JF?3_0VYB]?I%HZ"!H/2
M#ZPTKC6=U;YUIJ+BOI!Z=EQ%>=:E(MU</6<+NOPG:[SW>8/W<\%$6<N>>Z^>
MYF%XT@N=YQ+"Q^=%]7UJ\C[IZ7PW_OXBH#T:OOT8HPF$]0&;'\'I#FMXP571
M$+M6\?"FVE8)IZ R?M2BN83 ^I=%T3L\%SH+4%R .)J>9;I-@RIU/ OET<$Q
M@"*M6GKBRP(?3"-K'P,^EU!?:FR5G)S A0\6$!.IW??A5(30&+Q+ [362Q6#
M+X"/ 5<+P^D.'6.<L3XT_E./SZ/VCM PS\J_QK%&A5()7YN!:<-_/*.%C]^<
M4W2X&C+O!M4<\AA^2'I+ ];6= JHYAL/\=0H.1TI? S8.K(]!HQ'"?V%TT2-
M\\\4LJ [H1=/1HHVU,SMHM>Q_2\Q'+/-35.''"QSX4<B,C%.M8,9O6524J_M
M>;XS.ZCZ,APXN^";4V)-PIM0U<@WOPNYAGIB8B2OPA*>2J_N5Z6N69>[ROF%
MWQ!SO7J>I8P9J4V6. 8PVN(H \GV4'&RQ8P2WK,7YKM;WB/:F.X=UJ/](<:,
MBE<&>W#GKPI+:Q _T*Y^22D]B^38NK^VI$YTKO!&NY^&RV*F.F8+1'_D,'V+
M<W58J2O-%>6E(QDYZMJZ#5RL?S!BL;?4/0%"WHU0&1"GN*;2?P9EE(B>(D)Q
M2KT@OK./]?'BJ"!XZ&15R+42+$*&'D"?.>_Z4ML,S?_ >7UY>Y4D1]RGLNO>
MK2:#B2.KB[>&K;+^VJ@:6?E(^WPMU4F]=@R(@K(+.]+9[1@-,%G+ *O^ZF>U
MZ6-4RT->$Q,O3^V8+:[-+?7IK,ZR]V*:5??N$?)HS_3B;SB'J=C6D@$Q9#7.
MW_-B3T'89JY+L*Q>C'<2)V+=EO_M 'NEY5"8F9A4\*\2H@(/E@\#RH+0'7KJ
M][4D?:^O(KI1;B>_B_YI':K^V@P?DQ438"]O/R ?_T7^9[PIJI(2W"L.2<8Z
M;3A/51ZT^H<\#)Z;$%3_72 3D-@'<Z#A5."ATUB'.EEB*E=+=0[EL:!V^X[H
MFU[;AW%X3Z4$$+K8]"REOH$$?@P!FLK>*BA*295U7S0Z/U$..>"P9B:.B>FK
MF3U\;?'1"ACS6"">9](6Z#$9:^ZO<5!U8?9Z@YH#.$![6'IE*M3>XM8A3(H<
M231<'24J(/I'V:*?=WEIM4R1094ZPQR\-TCV%[[ZU[=F\&>]\?70)[G2N08?
M'@T< \1"C!5()EMPP2IUK[V)T9ZZ8,),3=>3N)*13 DIG7Q&PF I]Y;33 .%
M>6SQ5M0,*N*3@8[GMUJ98T""%GW9&)D63(L-?<</@Z7<#%)=I?O7%5G!9I?S
M$B'9H+J![>9*>)=-:)LCW@:SW!OG,N^VB;C)_?QMRS,?[S15UM[GN4N\\N:.
MCH:G6D+^M(!0-E2VYQC-.?C%9F(.CJ&O6'.J,43OI_+ZI RS+?AV%J^QYNU4
M7[KT9$2 BO5W.D&ZOXOF,?K;%:LU8F0+(L>*;3!&.B%NI4:\C8O[@\][U\;7
MR9<BKVD^Z13:%U1=!=#W1M:X_G^SPH<4]<$13BI(&U ZC*W+M_Y.+Y6@-;DD
MRB6%M^D2P<W/;CH^XG6PT:FKU_JNKV^7WD@R@3PVE9DV=J9-M7Y*2^,Q0&CQ
MEXAX<T*LI?I8NE7_=-ODCJ)KNODIB4NXEK<.JT9:W9]O 0[ 7-1N"&NL(RDF
M%DR\J)@2Y;.BKMG5=-0"GVMDZQ@/#E_VY3*(]%\8&,G&WAG<CUMB5J>-0=-P
M8/HQH&X9&X)!/A)!Z;57D V^M'YI+G1$V+S</E5L<#2_^"?A<M]/F4NA=Y_Q
M EM8IR@O_U7K8>G$P>IQ- DC%UTTW^,E-MMV*N1F "AUS88_U+&RYT+?\\";
MZT@\;R3.%E;LLNQ^R^G.XMR">52P=DIZM.2Y<\5)+G<L/Y?R%('09<!&V]GM
M"ISZH2V7#UPDN! X5W3Q<EG!XI".2=?UGMO7.HV%?;_*R7:<HN0> ]!%J$*L
MX\H4\0N^I@^%0_2JA59BJWXR4_>,T>"SDZI8BX&A,FN5\YRE"9XU9!'9_CU;
M$31V4U6"-537Q3^TV]+]HJ@I,0O\=?87R_9R9="YHVT2#G5T(7K9.J^GB2-4
M]D:74,AXI&24_1NK;8>L*;H_9:2+L,$.?=KO#?7X$7N#*+=JXK7?33C2ZJH(
M:GG&;:<C!&Y0NRE7S"ROI%*9,71^D!/Y9KF^IG]1E9!*U%TI 0:QK5W\./_S
M@?V<WBSK95N^0]1FI_0J2WL,A"SXSF/R+.A'#09,>-[/M-X@7##>"O!]N2/[
M0S!*)O,8<$FI,9JF#<"] LNP[QV:$W[^T30&R#\H+U_24C=O=AD1\G6 RAC(
M, (/06:8&E.JD+=LP'.%*UG5**^DX/_!WIO&0QV^<:,_(629["%&$<E6A&09
MDBU94E&DD7V)4;:1,2-"9 FAB&DALN^$9NR2D)VQ&TMDF"FF7V:,,_W/.2_.
M>?.<\^)Y_F^>%_>+^7SF-W,OU_7]?J_[=]_7I5 _[O\NE9B\&GSIS^&0NU?/
M%BFN['@+-^6^)*&,_P$_^(C!D39_B3+X=(GR\'*W#LGH2[C"J>E6+]NS&Z\D
M7Z<V[F^QAVG1!:QA1_&^3.4II8-7U-O,CI@=H"[_;; OVB3.'^E@L/GNKD;"
MU/ +V=!:SR2Z,"6T$U9CWZ736UZG)SLHE:0\\^'VB;1Y?;_B3RM+YZ)E/:O?
M]K ;[&M4?+$F9%N#=@< V1[+XFMW^F3$==OO!=B^OZ%<5PAFZ *A?=_=K?]2
MTK@1QI$"FJ$OG!7F*5M#'IMI"OF\5+)8<&J'Q];"-R#Q=]-96OFE8M91+JYC
MTN(T%9PNTS[>H0>RYTE,YLO/$ZU-OT:!QJK&EO ^46QR;$35F[]/,CU%_KK
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M%?$' (\;V;MVA.ZW]%37YB3Q1J/F+X?:9A/S!OZ2^U]D3Z<'#,YI]&#:SA\
M7A H2@?<78),E2PI[Q :J.%WIM?3[MP1R_X:;M.UF)23&4.T<Q?[&\(#'"-.
M!T- Q?G- P"Q0!TKJZCK^^S8J]+$.;QLD00NBAO14@?%^$PY*L3(*: \OO4
M@-(]]HN#L830;@<EG/B0_X?/N.'%7#'Q+<>BN5-'8\6\7&--I.XM)L]XKK9R
MK'-T6XNGQ!X G'3?I>I%OOAW<SYGK/^\BYDU'<U@E=H%L31!3)N._P%P/X4-
MC.M20RZ#ET8L1V-SI8)2&B1>Z1:D#J! *DE OCPTI&+X  #/F#*Q9)%[_UF+
MMS@L*[#,W#>_/7#B6ZZX(=AU_!U.:/\Y!N&+C80#.X@X#"]#=&/^J*[''ZU'
M>14G%?_RJW^YJ2EKMBUWTNRA52N?P: #L(,%'Z3LVPW2ZV"T>AQ3.6<RV ^
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M/S&+K&%P5=!0OOJP+(/&,11DR;&DUP6),]M6*L__[?985L8K6^Q0;F'Z2GE
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M[7:=(MM8Q:*'2-;#;Q62(\X"(F9_(HDR@K'R_F; GMP@-6X?CU.1EI( S3^
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MCD1&B2]<O(5]\0!@P2<AZ/?>&RW>C"D4KY[K)IN]#47%F,]-=@L_-)=F23>
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M-V4%'"](:_S;IE709_/!'L9[!(WN?L$-%H/MVS0OQVH_I-]5K\R-N<UB-ZK
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MVA1[_+TH[L[HP%_Z/_6'+YSQW=IC!H+AR%+24A1G&N=)F]0>\9@;-F<!UDB
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M^/4/>L ?4292-T5.U#YM>EKH_>%6>\B=)]SKV2O2JO'!;"_[BO)N<K Q@X8
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M ^!X,LUK.B<E>_H)>W118&HA(<%?5L]R,/_UG,ICAX>L7#EMK']GX\!\.F<
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M0'TT/RRHCK<4"F--7/LE&0CPG*;503VAL=)\H(5(]V:RM(*?^RSZQ4YSJ,J
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M2+/DGMQ.\Y-N1"_4_]$E@'RN8\0L,AR\0]1@3OH1I0B=Y./?/R\8+;1(;.1
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MV=%\(N#PBO[]X#Y7)WH\Y +&EJ@82W;.*K3_]!,KK^TZY;>\:/GLN!4^_(9
M2B/6]5\OWL33AP-/BL2V^%&TZ5.Y/&".$1E;#&HL^AK9?6^OF/>]-O_.--A/
MO-KOIHK>S#$4%>*TLSG!.N<08:R%F".?)T&?&UK=^>#-CS2I>C,?Y\'C;SSH
M<^GK\XW8Z..F@+GJ.@-(8"*L&&FU/4A:F/0]!E[AS5__.E;CIJ4\$*YFI\PM
M$6;YN^"AY3FVR#U3RFUTNQZ5B^@P&]0^">DTEAU#5QN&SK[049X;$5?._2S_
M2E!30D5CUG XK.VOF&*8_C2H:K$N1-A,U(^)0!U'&C?'=^-KQ$LG)S\7GLV%
MUFJ)NM4E9LC,&_O.*^]971N305^">F[&5%.5F.H>PN&R1O&/?>?DZ"(Z\?C-
MD )_NE%[Z"\R5IZ6R5P;N9 C#."^C9MODT+BY@ODY5)A=?<N?@O#NNFI4RKO
M"N[]D0A33])SRZ;IF;"C3)#,W/+/D!>,+#:(_AM]E(;&YE*M*,>I^B2'=1E?
M4A,Y] 'B"WX1ORP7M\[^'I2U3#N]=V_.YQAU,L $<L'A,YX!4/DWR<$DW>82
M7_&8*,T%W(C&O>:&ET^R"KGE$UQ>'+I\+!4AM),HR,)D(%1]]($9:9[I56:^
MFYQF )('GC.*Z#4<<9><"F;,T2"]F3?V<Z+3W"7)+SN#U1O-M07E7_\2Z"U'
M+8P-,/$\:,V"N$UV)"E^*@>U_'R<)WW8ZQO%"_&7PTTW)2[T-)PS?A]F8'23
MV3VF"M8F$9^3ZDT_1KS_#[+X\GM'PQK1) 7/<Y[W5>+3^D\MXL2HRG/K'&0"
MK1"+]*!<H%ZH)J(C=:B&^C<RCF7E35U^JOL+HC(C((]#[%"^'Z'E@]M$:"<#
MJ''HM#%M:SV)N1IIBDL5\Z1_>W,WO:5$V$SBS2WWQR7+^%8'!A"C2V5C )@!
M4?3,D";]M(ET"<%VPI3L1M2,T:&Q,GOA:U'/7VI"7N!REC :9"::-O;]U&>I
M5H:9?VVCH;4B'9B$*9F,"T2+)!T<OP_)N78"[V@@<LL^W7&/-<S%8E9U$0T&
MP-ML]ZBD&#JW+ .8$UK!5"=3!78),6OU<_T8$83NG&N&?</'-)LG/S7=,S65
MI_0>J/04/;WK&K!J K'^ET]"L<QAZGC"J58D$;(WB1Q#X%J=A'8->3, KX]I
M5W((.?-1HW!EL2/G4LS=>TUQ''$@G,YYFN*Z)&X178N-DC8:FQMZTCUR;T2G
M[-/=F;=-_(!"6-^?0V:!:BSGX*?F-C)I%MB7S,[@H*)>^S2>HTNO53YU^BH1
M'0L7[0\(?6L9*_4UIJR?JTSF[A4KE\)D^;3L,$3]F@1ILVV:!<5!A9,@"2VF
M'H7XSCF:G9<?WD-/Y)XI_'F$X<;+V+:91]G9@$UP/94_IN/90#<6'S^+[N6:
M/#OAM45K4"O?14T'/ZP6_3&W."Y-^[6\J+1;ED4[*.J>C>/!>:D;].#'$L[D
M!!.(?^(T D\^"%R^&Z[!+YA8W]<MU@K7%K5KZ'6B^8*A3*( .XI4<B=@CBS5
M91Z.NM?L5E5M4ZK],W;EJZW"ZU1;^303*2GDP:$M&:;L5@ +&8 K,]+W'=A#
M56][]M@^WU?JU8S._!/>8KYK]6Z5K\!!W?U$DEN9;)]NI1W'20-Q8,_V_]SY
M6-I,QE3#PG#>B5R7!ZGHPH'26]YCBAOXLQH+]:HR=L_3) XAE"+M4 /0ZNDH
M9E:!Q>2WY_*F7<VP%'D\M3%2Y.BQ+3_1O&A_+?F?IUB;MSS)#(# E +5<-I1
M\1CZ\0T& "[\!SC-:2^-Q5!?G_%T3F!C\&=ZTG4K T*DYFQ#SWS?2911#I>3
M=&L.W,'BG4@0? #9E*BW[N'^U@DQY>=TLL9*\=48165!1J'PB,33^0>T[MXK
M?UDZ47VPRJ .3.0^[#E*%@$S;:HBV3-7W0S%;"3S^59^,+%G:U;W;K[ZTMEU
M5W?F$XC32HTU45]:C<&0#PA7ZP#BMIU*9H)M4:^JU2/!PH+G7]O6MF7NU!R#
M3#9R1"8WM&@3*'!.$'YI4"TA>L"F)NX+JZH_6D/G2'/2X2N"GG%]8 ZQO@,G
M9B@10H")+=7MDR.#DW6'YN2.';?_^4^TN=0;2[G1,"TD.XE"^-.%9<>#6!,2
M*OG)NP$@YWU(WX^VTZE5)0]Z^K\O/."+A&5@ZG#=G?_YZE=HR$6$$VYC2\$0
MJ^:7&F>*>3^UI#:K# 2>'CWB[@I)[,:(L5OMEC,GLH08L>JPO49UF5.5./QX
MP/,/ON^&0$[QXK$P#M:'[BLVH;84??IG##?:XYMX"/304CG[PI"*ZZK(4/!N
M_9U@B?DVP#.G6"C@N[:)-(: X1D'K3N?W8PILECPWO<HN'ESD $\/?E#EJ?M
M9+G^ORPM</*XF?RF728]]X1-^+;A!%LGRWRDN7.=U2]-V%)NX^[Q3SQ(6AR_
MFO/B:UQYVY]O2A6^.W4-T_$P#BJ$U-\>Y"I(:F4"]E(&&S1-U]3L!)O:RZ:4
MP8;/G<H<;$G/XP#0G?P5G)Y!)V9,5Q7%MDC-&DBY6V?,LB<,!3\N?C6Q^W'A
M?D+.X*D_,F'+RZY/#F[NT H,M4F/I]MQAZD<H3SQ3XIW"G M?@I=2QG2SNWL
M55KSA@G^$!G;_BB.M/!N)@,C7H&P4'E(]1WQ4"Y$I(LX.LGPVN$H0_%(L]/5
M5E*"+0^*&WOHK)Y%\F-3Z.H@JD 1@6=MH$(#ES\.0Z1U#1;SKDS)I)Z;KS7Z
M>J2X1 PZU>YV=O)S'T<9ZAN:V]^8A\H"HF?Z?YJ-Z(2*XZ=([GY?-)X>SO+>
M,.P C5:'BM^%09F X W?N^P0AEY3>LL EI1A%>G;#" 1>A<:DVM >Z>#3=C_
M!S\$XFQR1V>/S#2;U4SZ \F!][4L9SP7_^!;P][R?!D 5:<[_$+:,?Q45M)V
M9XIV=U%6B.IXNIYZ^8B 6+G'HR5*G.=[]VL_HU'K- P#\-6,@=7H=:YJ\B^A
M9(;7_9'I?A9634V6&X'+EGOY+V]%AID"(+[MGOB.+1\BX!()%8E^M_HLM*Z\
M -;QP^76U,6#NIMN9<HS<:![+X9HGASIJCBF@/M1B^5'7)IR^(U_4MX5)+RD
M=^\%=43C;)]$3F7OCS!$\H&?8-(@W=!7F@N4(^)GH:(^CU:YGB#VG?>*QPJ=
MN$*\?B$KIEM3ZHX+IHOUN4'/(X4HQG@O)K5-PA#A=EE?Z^%<4H?(A'/]G_W=
M,\T80+C!*:IJ$BT3/8.9YD1[T,R>8'B6=Y]-QQT2[6FNN%1MRPMOD;6WM]SN
M^U*Q)BE\(INF9 ))@1%MH,G"T"K;;BP$*0B6/VP52=V^:A:Q02([.T^;->DY
M!'1\*'97E>F@1F)>.RS9KDM1W)!&M%QC<1]C^5;2\3<E*]&_<U3-:YJM/'%O
M_MES4ZF[&-SNK<^26P0LT(=A'Y,[</C2177K;F&19YZQ,@D7,LGQ*IV!?=JU
M\K\_I)Y<;[1B#3/!<A/UJ'R8F8'HG;XGW '.)+VX<D+&L^5Z!S[GB2\MU*K@
M:[%'EG==GJ$$63H.O!.,>5;6X7,#"?O[EQ1)QXHN?\R\IS)V5'[;_SW;SLV,
M_JL6)/.Y6E2F/3?'^>$6]7>WO/:-$L3OI]\YY.PTCN_A/WG7Y-"[@_J 0JC_
M_KHR_]/^I_U/^W>::A?=F/YKF@M]W\7]TK ANOSV<E!F-G> 3\HMFX=B0G6I
MEWU,_E1B5?]?+<N%#L2@4>1_Q"#N0 PJ,,6@!-8;9*5<9>;$]W\G72D$>IEQ
MF5]!OZ2(GU%V7;?42%68_+5<P;]O>1S^'X>_\UJ:XVVK<U?<ZT3=O:7"O@L>
MRS6.:(DGHVCEK>*HX6'?ETCC48TS#H,WA3\)_/KF]_'2;47#;HGJ!=R5UV]Y
MW-^U./=BZCB8^3 :)Q9H&Y5)K@WPG3.Z[VRIMC;4X<TWM6BKP7O/7D7K]V/$
MINOP_V: [)!+=:.];96BL@Y=OT;:C0_</&XF6VW*W155H0&L+EP(^ZP(';^>
M$ ?\55&=Y<3-?,15_PWJ/X2+4WB! ?=LY(/=B5J'&4"O[Q(D'%.;T8'%ZXIQ
MA!O^+^+^-!#J]XL?AT>4[%+V911"MK)6EJ&R)8V4?9F$;-FWP9BQR[X4BC**
MDBQCWS-V2;(38@Q)V9H1X\TL[O']W4_NW_WD_^CS?S#/KIGK?<UUSGF]SOLZ
MU^LX>)3A;K&9O/LFM+@'6E^\$W4%1GK.NU8)"M_[O_LO\^95 <6&A-;OKV$/
MZB=.[OVP5,=ZOG16^6'4Y9RDC'1[Y'<NT/;Y_TG#'!4(6%(G ",F+K]O(VQT
M'TX-_TW>M6CVFK>1OYC$K:?<HRCIROH]Y%[7VH?BE?VM:/IPE\GZ%/!3H:EO
M.8'E^I*DE)-Q,^?'!.1XG.^G6P<7<7G\_^Q#^?JQUHZS?T1D($=.3KNW_ P_
MS^F5)-#@XT=^()%L3VVP=2WQ5);S1X^\>S"/IE&IX89)=J%K;X/9TTN"S4NX
M(SE ]F_;;<'SC'@$#IS1]7RZ"MK+(*='XJHV7?W+]VLI0\-G9,]9.[)UIG[T
MOS_>X;WI,%,_PO9[/[RQ[H/M'UN'DL=V*?.SN0).>E.OOT<5_\@'8?41LD0T
MC;6/@.W2N4IXG+.TY3C0UZH_7?P3_NR>2411JW?5SU/6T%RFX=CSW3[DXNF.
M4@!"OD&Y"I#?#T<N<?%[T"23V<,(\W6&_J>UV3,_\]UBKG$5+.*Z]3:YBXC*
M0*@0R%"[(] Y(,68,)5RQ:)U6NEM_=-,95T/ ?:ELX#9J3W>7[0SU)*.LP#9
MW%2S!\W3+EWIJ6R\:NCF5C$_J)7VNR;QQ^RFKOA,R?&2?A7*4=]WG 'X;2(E
M>L%G$5+%ZS6#JR:N817S ZJFKYQ&.^[3F$Z"PAUX"_!'(!X/'87QAU-!VN9#
M-A.*IW[[!I'C"@69/[;RE!+4WAU;XS+TG/LBQ_CCJ6"JX\#-<?PONX7;JPKX
M#.I:P#GDQ688Z_%EA]-:ON47\XHH4$)N>=GGY:N;6PT%(?F6TJ +OD/_J#_V
MSC'\F?Q_0_K1*AOQF%JAPT,;J3/T7AD1_G,H14GZ=;'PS;;/%Y+O12DW$$D2
M%+86"X/0F3CAP4@"C+?R[Q-*6-4?1R8BRY144W7CJ[N-$W-.6F7Y^(FAM!>Y
M)VT2+LLP;GVYI!GQM*HH'2YI_";K9DE6M:NKA'C,]1C-2;IK.CHO*\VAEHY
M<<&0S2VOY;S8W6%=XU7MRF\M3[(-9L43'0[N<.LI1%WV:B1@4U7!(AY>9?!
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M1]6]]PQOO5-C5%2 D7F;:?@ A9^M+W .T,!;)62'V'EMD+=N6.L=V!2EGS.
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M+;LW<_#(AMF]USJB'/>_7G^5=Z^RVG[%__GKYA'$S""*8#ERH(SC1GV'0H]
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M U^\]0!!E/O?&8E5#8Q.H>="25* !>%L'[CV;WR] _/64!4P/7%G!O-W-;3
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MV5)?(EEAD.0L<2(L:3N;MOU-PXHO\Z-WPH6AS)&833\C8>*\]$^E>1&-7E]
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M>"I*AY[GQPC_)IA6(9RFK%$E<_,>EF4#A"\S=W 5LK"*X ,K^L*O'('R9X]
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M>]^PVV]<T:LB>7;.1W*5]S5K*J7-GO-*QL3CAQ^-KS)FFR+OH;HN4)@QB!O
M'Z+*2F&YB_?N4%]K78+EMUE?GRJ>9;-$D0-/.O?*QW1HH)8JT(VY9?CY%0*D
M2RC6VL%^OAS(,TO039?(T4O_JH/4_7SS,_Q+JZ*?O=FIC"TZQS@I,JEE7&5"
M<"-%\ OM)S7(HNJJVO7?,4HP^P@)BV+##F,U]$%;@P<STY E.G 2H%Y*L_G#
M6AXK*IP8HLXA#XOEO_/C$O[_],^B1$I$M- 6CLHCO\#5V^_(EY"#M#,)M'_+
MZ 2UC*?[!*XM!8_7W^UB&-2G#V"YE^$*70'*\+GR/0A%8VWSWQ%(W[GG"+1/
MMVT@_U@F>H2P_U3U+Q\<=6=Z-Z7Y[^[KV]-R\YK-=\W=772)K63E:HD-VW,,
M!_Q$9]I]F[>H[]#;='+]Q.+P#RP+Q0=95<N7IL;M8JCJ?;"JYPP'>O25R@"5
M*]!T<(-T O8QAG6]]H^0UH3U/*R_XH:#@_U6IM9\F/O;I+'&H&_+>N?]24H]
MOH TN!.26,C=./:8P/=Z.24GQ;6_$F.@J%@ED@Z3CB.=/L<UW2%"W]DD]_#]
MS0DR'&ZX\E7H26M"[ =[:\>7_.>%(JS'!2M-4&RJ5V0%-]JS7K_'&B-%:%-H
M%J0L8(#K#>?/"))PDG1:3=ZAR85MW54V=U^(->CYX9P:8ZC*</"&'$0;L0(3
MH'0C0_( /023^ZV$;WD?%M7J\]U?EJ3/_624?LX820XS4W<.\#/[%W."5HX0
M!5)\B:%X:!S"RYMYUFEFMRW2<'.U2<#6J$<U[&]#$JS[N$ZY#%9/BB4;>CER
M AJ$5E_@SK9WL&_]CQ]_;')E_]ZNOSS?V9-DQ&-DHFCURXSEH.;0FZR-4,M;
M^MN).P%<6KZ5^_?6N,*6HDOJJI!?[/ E5*M]HW:-KEC\?RYBGX\CW,/-]N#;
MCT!\$+<-+R46CU9A8*@_\\_UA6\9/KG9"UWRHW+;,B"E)(%MB6MJJVB"V1":
MGS8,;LJ(T[GLTS&)4 C6+BQU8WCYE95@D.E@6W5W\K&^P@!E?Z0R?&;+FZR+
M@  +*[!9_EX:-]$ 7?:G>(!DQ2^W]G;XD<[8D]L_#.[^?MKU;3/HL^3#4>9A
M>D3FVIQ:Q@(7?7M'6!%&@//RQD8&%\SAQ7FOW'E5GQ>!'D%GV53-9;030AIU
MQ<^2S]"3U&D<KXX  .VWS KC.Z3E>)=5".\+M'_/^>JR?\FZ;)_WX%C;SXI:
MO N>8[0E&'9A$O+NP4?NQ5KR:]SW4)1.^BMZY[+=K8V=S[A/D7W&H!S!;TL0
MW7J'FR;_N[VE?0%U]C/6A0!)\'[[B:SI-M*<+GDCZ]FB<?K4MVO^ND)'H/K0
M+:4E]"RJ,P HZ+>BV40..KV;SYP)CRMR&TIBV1=TCC<S,/H\\DLC%@FF''=X
MKD4X0@7@7;\(I=T*8B$)3%'H2S([;'9SVP*Y(2#?%ZE*@B*2P:O'%2UX]/Q-
MTK/)]@BR(>)&#6$F_@F!Z,'SHQT9%)&4W/]#YJO?A\%0?'KX=L#0X3L\=MZ9
MY$) QCJ_=4>=H2B4_.&[(L_7J!Y1G"S0B;>X\9 5M*\$@C/K @Y+"]+='?P3
MY\=5117/G*Q\Q;BJ_\U8<N>KL;SUS_\Q*-35GP2YH0X!VB2,%:D"3W!@ZQ*[
M.DXQ+N_SF?'U<-ET<+*T</O)R1 ,?HJ)/SX@;/0IQ=O,+.7%[)VJ:6]OM&DW
MCF2*EK1V%4S_JD'X>T-T1-! [Y4**VB,VH!=*MX_[&^1[AJ9_3<R0['X,/3_
M8>\]HYIX^Z[1042:]%Z#@(@"HD@52$"EB0@6>HF*="$B'0*A" A2! 04I8.(
M-.E("[V(= 3I25!!:H(01A+""?_[.6N]YWZ><]XO[[K/%S_L#Y.5M3*9ZU?V
MOF9F_PZRO7 BT@+7^Z;OT*4MHL_8?%&U\_U.'EB%'24O>*8E>WW*,4N%\#':
M',P-YO@3$9#DPM'P)S\>'6MV//J%[VGS^&YR$U%H N9@/*W7H3R3>@ATLS&O
M'@*<%66]Q+2/0YMR]2=K:RO/;O=<YN4_KVLL9!I20B7KY(,LU$JI/XI"01\"
M7%H0K5N6K4($J==+;&PNC9O/ T3S"US-"/,SMAU/4JZL"H@$/Q.C*!5J05Y
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M[,AB]? !;;/V(1 13:4-L'__@&1&38!98O!!1 @WY4NK2@,!'NZNI*\4]%Q
M<<]MEIBID>[M*Z2_]FHJN^P>V>K(IP_)#WXE<%D1ZF/EE)KB_<R3'#XELQCE
M7S'EX3X7UL84"V/:ITH)L(0BPD+2. 1&U+L@H"H*G_]OQQ6USCDG(33^,C=
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M_+ 0[I76LS4Q=?W0Y^^O!@BJY#I/ARK2C(Y:SNS%*&8S_:IRO;Q0[)#_BW!
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MS,W#+/'5>XZK%1Z4Y":E+_#]D?B?+)HE5)N"WM'^:P5/*2.O*S+A?A+'S=F
M\6@W=P\Z7W[9E+I!$?WTG(:L/^UM'1R%IK:+;7GC Y.,Q!YPK>5?]#I'%IY.
M;O*>03R%65]:!P:J>T2$WKH3X844@5HW9G*R@=L0@0U\[!F<Y:[#;UO<*=T]
M/AR6M18%W=R]>.IU_"B?'>L?G/1=Z##5?8Z.CZNZ-CMM%7?'G.\,5?KBYLOA
MB-Q CI^UO*8OH4X4]1)+HJE:H)!&:%H[$/SD*LVY4IS<\LG>B2>^[&70[5D[
MH8])ON?NB0(SV''O#A0EU]EI;F646C=Z_7;:U9ZB8BR+K% L05 G*4/G2;=/
M<M(JZ7FL>.;N"T W?A41XY![L2[?5)\(_ HL/3^3.V9WFM6C;BS4X;NL/=E]
MZQ5W(,5[<Y!^#=SV9)@S^:B#B2H4<[W*H1&I\YT:?XV.-S6>.)<>../KN%&<
MJC\($^*]!V(Z,4.E4U_(_QAI-KC#3O$A. Z]?>!$,(8IY+&"HK89RFY<N<4&
MGE8OM73Z)>8/SU$[\9+=W'-SR^1)3#3^$,X@>'I2+?P/G?J#&*?F 9'[/]PD
M"SRK*JA,?/U8L;'N%1?FA,AWZV%&%^P)$8I,^>3:#;L%2)5V75IVG13PQ<D<
M([O',>"NV(E6#_ "[&U>54K0?@5>G95O-&OK\I>:%D9*CSAS1CVV>5D1&8B6
M+E"6W+ FRM0!&=/$<)Q,5=IB7;?3WS[IUCW#:'O+W^W'N3^4*5^2FKZ68$8<
M.,N,825=5V.*3D\%<R)IFK0CL-.NH//^XY =CNTC_QY1^H%<@&&^A24^?F6)
M#?PU2^Q,8XFQDO$S9*82&\"@=VRT@$>XRESCC/E'D=FH W8.+7YR5PRO6S=O
MBF[#A(HKH.?M%/>*UO2:E/<]3'&HA:(=U"./+AH?XY0EK!TH0(!'B$,&-E=B
M;7O7E.6/1"P>BC@'M2E<VQ%GPAPRPF))F"G)RJ]RH2XUQ-)5G'?JUBZM/Y]>
M*4GF=IMC1<\U]TV$H^[D=FJ11\PGD<_^Q/Z0MP.S*=]D;A2^J/=S#9N2N"3_
MN/F&OR>G@O33.S^DJ\5!$MRI%#" ECP5]!R+^0S6-XK91U8^VNH;'9' *&J[
M_G3J.9CX69-C4X1<E+W,"LAU6$S&7@.]5;-](\]@D UG0RW$I;_DN?WD[A;/
M9UQSJLW!M9 /Y7V[DS [@N%:$O[W*<X%%W7^C_?/<1TPQIV% \9%U.TN/J@Y
M*)TKJMY^EOA-+5KF1TCGU]OM.+-PU2Z50\2TX<Y'O"QW,!]69WS3:@PY&\*.
MUR. ^8(5#>T!N^C-W\M Z_3CR?4$_BI4CMF4A?T43U53:&[TAPC9X3+NAR4=
MW],/A&3_$XZ'2:X;:@AQCA7+O#&M)F8/)FPU$O'9)[X5_(ALB[W[.B[Y*$_'
M;*J"V"F.;?4G:=0U\+A@(A>*'Y);C$'UY@6$.GB@EHWY-*!"U!SZ8UI*IG?F
MPI;-UJ#0B)U]0U_7@]-[+V5:V;UY/@]P):\8(5^0$'@/M1@\]2IF1+[1?JLI
M?XJX![Q@ZB)[UN+WQY2""Y()=4KFU]_LR1/3)LOUF@$OS&?"^*8QH(Q.[;A#
MO8X8=&1 WS1C*59,A>CKV[MX4-Y5V7W?N?E 6&$E[I\F@(KHAL18M!!1_PA#
MFZEC>9 O\+Z6 \/3U[TL_HK^GV='Q'@VXC2_/CSLIG#FLP^6>W<)@RV,=QZ-
M%>AZ'PV<[?ZO%/]KX_8#NG>XN=\_Z/LG($/0#^+9H'DT[" ;2$CLP<$U^<K\
MOF\G2$61GF]ZFT)#GT8$3W%_*'_M(,G?=$6C"::UM0]),Z)4#%3I1=X1>!="
M8 J'FO_H9@.^!.F%BO@-KT?/TI]_<1@CZYW6:O@<=H]X3*5%^9RN_H;S;A%5
M*QMX85-+VEG)Q<]K^W-D4CV@_4MA#)=Y.ED<?Q=Y9*GT45?,>P>&P*%+_H^5
M5Y JO"DOT3Q7GRC?/7171KDAC8H8-:>;_T)1TJMUJ1X-Z&?52OW7+E=4^9<D
M+:2N:.N<Y-SVG1=U3S >7W]]A*>VU$.>KD1A*OA04VM/-53*)%[(-[XZQ.</
MV-0CJ0Z6VT>=]\($XF_\@O(FQQ_YY_K<DYC1*+H[=<Q0+@%J/D^[0LA>BA<D
MG&W6O/PS61'C[E)[3UJW$6>&:R,56#Z&U'&CR ,X$>_>Q9;),%X+)Q7ISM_"
M,['>C9$JJU9/UI,)K]QV;):VEH-@1WY/#84:5=38@)DKL9,T) -9OZ8E0I7!
ML6S@BID1TA(W["Q7QH)QR.6M >=D5L?OK\\?'(HJ6C%9:"@5>Z[S5JFM[*0$
M/?-+R3X^A46E6IA@@G(8F*TFH+@VU9Y+GZ')E4Z%>30HG?C58SOQU6JTA&Z=
M,&IO^DIH0[@^77T,>L;$@1*3Y)'3D\[%%,N#'Y]8_A*Z''3JEH6WQKN>CB.H
MAJ]G_8^^")8CJ1))% *Z&+]<F#,^P92DO1J9>.6F\?>FP.7AEI.2^])Z[PA5
MWA+D-#.20$K 5Z*$\;!TBG4^0,M>[M.)KCHO^[JJ[::;Y[<CO.^2SPPEG3LJ
M*WK+<(%;=Q_)5E\OQVFQ&MF[%L#'W4M<];F=-E5GPC_0J[&G1_C,"3.EE\VB
MVVHP^52T:2:$X^2+N@WU0$&+\^2CE[?LO3WMWUP.=TM\S!\>4&.$0)[J]/[C
M,0F/OPCS?&)_C[[=Y-+[T _>8B\G1BSB#DK$A=>#MOZ*(5P''EEQG_L?ATUS
M"TP3MODNL %';NAI?^>@\7_[MYO#"1.._\V AMG <G^+C0,%N8UC R5XAA80
MT$\E,T7ZZ,<&8"WZC?LB+>AQ@U_P:/WW%E__;4E35J97<_#%P&,W+_HTGJO!
MJ!><VU,]0^2O8A49B@UAL5&47R/%4\'KYEF%# G;O_*5XWG>G%;@N/_3YK#\
MB? ,1"<B"D^]@8B'12AQF"E%\Z[IF%+8W+0E33U,]GR45W-*I]S$[DQSN^O8
MN+FV'_H&%D:=B%JL,*VA>R0X1<6[QB;IP"<+D]$5[?#TOU.$V[DKCS]>0GN
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M1S8TI&)JR=$$,8]>K-;[D8,>'OZHL("9N) '.1SN94(I'+]EOR@)57(A<]@
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MF"+1J:23Y?>WE%(O5Z4BA<+1VS%!&5,[T)URI 8#'M(,9=DWAICAXS\H(2Y
MUQ $DF<^1DSN39C,;C)(52PCT,6S?99MJ"D0M][/T-:@F?([QU:V>T.9D>?E
M<_ZNGI^B(MB0/Q<9LX"IB&?@Z20<JI.F?U"@DN6?4@W[?*(WIY>3GVNMB.M"
MW+4S!DQLW5U;EHGG&<L3D)PG@!X7912):0UU[)J"N@OGHW;-,5!9B5G$^!8X
M_>@[H=<E$7)V"HI%]>CKV\^XV"?M+(T<\)*X?^F$"Q!A*YK(UQ&^QNUH_19*
M8ZEUNAUW__/ O<2"R2&&]DR\)63*QX;X SM#/P_]\-KQCU<\L[ZT6FQI44J&
MD<3EMD*:/GV5%_&LU0.?FIH7<T0I7C2(&Z8^4J)UW<6,:-21HK+J[N/YQEEZ
M'!-R/<A)/Y+O\NOG.>=:Q%BC2,=-@O.2&^)XSOG\<JT?\W)A_O<QL6B_I*>3
MU>- *<[$ ==9S3Z(F9_&<BD QDX*A,]:(3:-OD^2N8FB3D6^&4+/=GA^(^NJ
M$U50D],YM6$\II=M<$)?@D\ Q7Q=W>4HQ#-4D *U'UQ5$*;!"[,/?&-AM&EA
M\.!1V;]G6UF'C"IZP#=\RF,P24HZE0_&MFO=C&0<T5!_<W5:?*9)L,P&T> (
MZ[*<]I8:>4F_0T]E$C\!2&83H-3F"9I1?5-7/G&,);/A0;@)M-Q%J N2$V\1
MB9MQ/%:)^D=Z4&G@^(4?75EUM?M<LO7:.9]/=$>\_V/*8O'^2+T-$ M!#[(2
MMW8[&B A2C;J[77QTJEJ8[_3Q/^47NL+S:47JU@\GO#2/L=E^M]>H&]@?#>*
M&[7RB+;[L04G *$<*K_J?!V%&75D6DVC3#7',G<!\'<T\B]!MC@!9--VY[I*
M)MD;.43)@$D6$06QU/??7;Q1S\9DX,/+.O_$TGV>&JSO7K[^M@3(\-M?F0M@
M^8^7S.5Y "+$HMHBD)HP_IJ&)*O0$9)EQ4@WZ:FEO%W>4L.%IQ]S_.5NV4RZ
M]L>/8J[2[ZIB)<D\GNA4*QGD%P("77=LT7CF=>KC(1RG]=,;5(D//WT_'[(T
M.4DN70(^((23>02QJN%[$^GZ6E<(FO_^=KHZYW\^OS"5X7B?[F_0C.]Y9!SQ
M&^DZ^0JQ%S8QJT ,R%ZWBO:8V'Q]Y1?B,#_>I6[>MPQX.@OT#;6?*H2T;H2$
MIKVN+,FPLR85%W?MKCBD69J!IT2%_] =A1!T.^;X$=AB$'>UKX8R-F)#21/8
M'SS1*^VJM/@I.V&K;$K;Z3+G$H"#=^FV9^:X7#SF4@8_)4I+=&77H,JX@*SY
MIU388+<F35/ECIA3Q97?/MKXK62<L<3<O6&E7DW0_3I!^\K1S1'&9T(>A4%7
M03J0"25K(,=*0UA"T12ZT-D_M"DEU=N'4?@6+N%>DUM!<$ENL'H(;1_G\'<0
MI]ES%T^94/P)P# 1.4G)A?$6D?4HF5117Z@N#2P5K_#6>K\LX>U+QMDE+.+I
M.;B2IF)=86I$(RSJ@W_@6'APDUP>T:IGS50#[^S=>\9(A,[GAFEW,[WR^!##
M@A.98^(@G^A#4ISQ/6W<R;&4U*J6GQ? (I'GY7+99"A<OS;]54I,,8>>GL(
MTUE62@AA@<H<B:]JF15(Z\25Y</%?(\I\,'<U33CDLH[LJ"EV-S K!M_];O2
MOT1TG'^K637?N4'C&@MA%1*E"Y#P8\?2XGO9XJC(O.KZCQ?2%]\/?XXW,^S0
MO'[8"IV"X$#-C:A:7U"SU8/P0M=)N397S2&S&]II9B. @*"_-(O<"R2*6ZW-
M,E$:E3=Y.R[VYQ._K]_](R/KZM[1W3^1SKJ5BPAX[3:G;>R_3>:5HI&@\R>
M]=I2&@N:FECQ( +QJ_ KB%9_)/,P;P?2*9W25&L@IWH$?^*NR#\PF+K:_IB8
M<,J+^$1'1SNH-%[T,,WO(T:V]&52!,OF7)7'@CHO>"L*4(5/IQI":7R1Y<4)
MX#O'?XI2,8CN,W@Y2@SZM(]S^="ZH&"@2L_LP A774U=[+,HO@YN=FWF+&\
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M$\WUK12N[XW4GP BYAB:@ 3_\9[ICEFN$9BY^_--\6K_TJ('/ZL ?(7V+2+
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M8Z'O%-1BJLU8.3-3\QD')T\3-F,1'*@EI13$@:(S^%C7'5J9W&P+'SP!L-4
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MA K6%SQAV#7;I#++5G%]3[W#<ZL^MQ%S[^:NO++W'ZJ#R1"FJ;9+\;5LH 4
M5/FW78+[[+///OOLL\__#S#!Y+\ 4$L#!!0    ( !J$5%K'VC]T7ML  *T*
M 0 3    <VQM+3(P,C0Q,C,Q7V<U+FIP9^R\"503W[<F6@@(@H#,RA0%%!01
M9QR J(B(J!$G1)2HJ( (J*B@A!2#@(Q1$5%4HB*B(D;&*$/"C(H0)AF"D$E%
MADB%(12D4GG%[_[[OGZK7Z_7MU>_U[W6ZV*=+$B=G-IGG[V__7VG*LBZ95Q@
MP9Y=+KL N3ERP"GL!Y#]!=2WGPTZ<PXX!V"'G*P7< 3FR,T>LZ]S9@\%^=E7
M104%>86YBG/G_M.4YBEC36GN7&55Y7DJLP?VVWQ5E?FS?\P.\F\?G:,H+Z^H
MHC172>4_?,@J 4UEN3L*!?)RIL <33EY33E9+8##;%3\QSPYX%^'W!QY!<6Y
M2I@9JEB'X@68^?+RF-&*F,78V7#L/*"@J:BU9,WVN=INIY5,+^NLC;S[7-EL
M1WZ5[L%6R'S=F2M1\U3T]!<N,EBZS,)R^8KU&S;:;MJ\Q7&GTR[GW2Y[#AT^
M<M3]F,=Q[[/GSOOX^ET(OGKM>DCHC9O1MV)BXV[')]Q+O9_V(/WAHXP762^S
M7^6\?O.VH+"HN(3^\5-I=4UM77W#YR]?V]H[OG=V=?>P>7S!SU^_!_X,#HG&
MQB<FQ5/P],SLO.0 >;G_=/S?SDL3F]><V350FIV7W)R0V0Z:"HI+ULS5VNZF
M=/JRMNG:2&6='7>?YU?-,UMW$-(]<Z551<]\/6^I:'9J_\SLOVUB4?]=,_OW
MB?V?\V(#\^7EL,63UP3P@!1YD6 )_._V'VNT9B:\P@+1"Q,01X0"C01B(6=D
MJ62MDT &Z).60$8FYG"VP!@\[FJO7W7WY.)[;1:W*6O1W\=NW]F6C/M:%;VQ
M9PXYP?UG"**O*IXK?<M0'I0!13E"&2 Q)NV'[F?JP570U^8:05?-Z*+CS07[
M,P(^EI1T7"V[O5:/MV0)Z<TV0L;1I8UOGRGU$*']''CYJES)&7B 3QCAB=K%
M9 :\3T3EJ4E?FFR&EO;3]7+DZ&5)7_S#?6X8F/[8OD*-<U7GQZ//YY91$5T:
MJB*$UJ'SK*''VT0YM0%S0&TXO8[-]D/U("_JZZ45=4.QA**3ZY-HOVI42G^5
ME'CMOB/'O +)@$(?1(]:Y7Z=NHAD(2&CK"EFX50M,Q(UHM02%R"VX-N:MYY$
MOY7/SS _E$<>]K*R35^P;1W#]^[Q'?OQZV4 ]V7F,DA)N$8&*+3".3) <87T
M.6-5Z%J!0*DN.;BZDP' (0'\QJVY3 !>9GVE,RQ@S6D7U;QOE>'O11\<KJL<
ML2LY#DB+I:7, $XT%2(P>_Y*Q#$P2^_-#7]C*>/1<QC<5B39E4V[D&Y3P*YN
M,W5^M#Y)76ZQXM$SVPYY&4)$5$4@^(+W92FB33BZ\XBV(*A'!AR%GP]8U!A[
M$T4F3]_YE?9]\_MMN"APY9-$JWK'M"BWC]3T)0FQ8S38BI6":(@>BS_)@"C0
MD8=;Y.=@!EW/DNQF/!<+S=P2_C:'#1M>"KA];^/9\RX&VU9?47<^_ET&1*<^
MFJ#U)')#4M:G%GI"4T(/[N-1#19.R_GJTH]N'R:;.P.5<HJ!, MA..81? =9
MF=QFX#-R1&)-_DJV@(6BV/&:N-HM.;?*;?,\_*YGZ*7^ON$?'/[:J[0FL VO
M67_%,TG(,4%SQ7*87;=#<>+A]O)SO$>,A:$4'J<V*#:#[8?3(B^"*\S0EI:_
M9QW-M93B$PA!:ZW6'UHN5[T&F*\]3D&T%7 +9$#519#[G&S=U?#H;<\P46.B
M\6CJ WK^29.!,[2I(V*S!9N6R@T[5RT+5T75;\)=+WV=&PN[F.>:5 ]UW7/0
M\_RSP3+@64C#T05Z!PB;GFFT[K%\$:%BU8A:A1X2%WY'3DQ1E5 KF+B[=:^R
M5N/1EDS^Z<6XK?H*EPC;3ZC)@"2F/^4658^DR.,D,'7*-[SSRUPIDOL0%FY1
M$VL![#IQ;T0&V,B_GAOAD/(_&PC^5VVTSR"\DCG2*"&AC:5$H:O$!9&G[H$3
M(:( K"F[)AJ]A3CS/UV<U%#@>%2?EEQ_^CNWSKHP=VNYRI%'/RL!TWQIZ(L(
M/!Y_C@(OH]4'L6W$=^ JR24L+MP9NJ&F]L[\G.B5=KHO$8.V#?*YQWPSC8L_
MI8Q^+2^U3 RYO/2;V^X]:HD?[I OW17AH",VL&V<>#]<)C'P)RM)(YAG*+%D
M0_B10V&V:_90_O&&4ZV]SN&J?39/@NE754T%C,O]S/VOGVDD@($LV)P>9W=-
M8@8;\D(0[0%GB%8]JH]HPXD^@M%H*#P^JVW)][S?]SRLWVNM/N;YXT9;$%NC
MJ>C.ML73_162C9BY^S"H>44LLJUJY/0.BV] ^"IF#%&1%! @\!3*;Q?!(K71
M),3I?%+)JMA-WJZNEGT_KZ?L:W;4W5JP"+\+,R)*!OCB>]S%?Z1I>.X+K^58
M8B5AP]HS]&!/_K6X.HJ*'QM?QXEQ,!7YMJP*#+KZ<\VQ"P]"6#IWEQ_3N"_Z
M7&&[8.&7AZ68&W-&/"6NH1;B"+@,2VXU::D,X!D7P86B^"*):I R?'#Z[PC)
M[-FQ70?958&+W%F/OFBL>]U]4H=V5%=\3@=P<](!W&/03MR8IX.2#.B>LD%3
M-X1EAQ*%IV7 TD(N**5<D0&#ZPXHE<YV_=\-:\3;>,B#"6^90A>%B5/:F#XT
MV"(O/0[!/*8,WM9$EX4^=B,ZU!P8ZXZ_&F9[:%+KY*KK'U0>U6C/@%A=ZL/6
M^BZY&0\=UNBIKQ''2#.+9<#?7OAQC>T]6B^"!^DV_I>B1<L73Y\]L78*D.?\
M>9$ 6/Y[8WC.@C!8=9IY!@\OB[G;1K8/17]/U=L:K,]XE<K54/-K)UZ@EWS>
MO?9^\A[/G7L82S_ZMHR<6IBV& AW<;IA,1(BN4K^RJ$S:W)I";B"G+K'1.W!
MTNO/.@UJ\6<SV\;WEKD]B/K=^<LL0VE"/6*UPANSC''60K#*%XOX-"\ _F4[
MPA/8].94&H")0EI3\J];,\_'K ,= WS/EZD$/+_KN>+KV/*C"JL5SD0X9+[X
M@"Y&]L'7(&KEEO0Z8GS_YC82GO?4I(ZVX21XC)G2W];V8_ZCLVF?CW@YFX_?
M'?:RE5B"58=!;B9(UT\*8IB0OS*+0V+*3],&6]9/&5B_;*NZWO)&+CO%ZE;R
M[V271:$UEC_6[G("PN6<0D>%U[ $D)<FX4\U:>_KD@'^3+993;]2XK&[[2[1
MAY_V_YXZ;UMT%,IM,GW_Z\?7&/<K/Y.2)HF%#4)K2%5<!)_V$U'%_G#QB]#V
MZJD"NP/#!FI#30O3UC LY'\G.'WN,XPY???.6DOYC_\ H:KT'?YG"4E#!N3_
M)4J779C: S'9-:BK3R7&MDQ^R8"V\\\TKO[/QNO_>2WOG?\6Y[BB+Y,5X)&2
M_(*2'5.V(:GOW'8R^WW.S*%<\9W3I#M&:6#!JPB(EKOXXCU/FWB0'A1IP8@I
M<4CGG=Q>W)MOL7U1W#Z/OH5/YJ\VOE'YNSP+Q>4):$F</YP/(8B6CS@)SONM
M,6$/GH ZR#HM@87MYY^3&R@GZE<KKY>;474BAX-!&*1^X101D6@[.<EF<O/Q
MG8(!E/T]R,Z3=GS@%:LP)O_*UK_U^]?4R:/*^1(W4F!=@Q"C:XK9L$1P-O5Q
MA2KOY8-,Y;8<I7<'/7M6QNZ6A/^R $1M$0[U<*_$G=R(T=5]D1T8E(-LJTIT
M;O3YR2 ]^&T[816^1_MS]I<1P%Q,^TR$;2P0?5='Z7,9<-Z5UI.#*H]*MO6%
MMM?>S/M6(@.T NWF<87G^6.]N\8>?BRJ<#VM<*'[M%7N@['QXMCCC''8# ,-
M>2SI'9%Y3 -QO$0']JG-^)3:]+&3O,0%?WL@DS@]Q&&OW1M9V'SDL/QGH*N3
MK D1HQFX/P=@STJR=OOZ?6M_G.'L;UMI5A)E,^6=I.CU- 8 YWR?D@&((98T
M&D8R("[E#QX:)<Z<DP&JZR3>W]!JM'I<Z;'T.5TT=AV=:JIG\6GM,@!>R4$,
M8F2 FJ/$V8]89(-H=T[5H%@6W*JI5:9JVZU[3;][.F<Z:6]I78;ES"-K=\.'
ML7O/14CQF/V!V&K8@CXX>*D,&!&<EMB36<>5I@+M]O']/Z<+T<7,WKC2CY?A
M6TFD_/>Z8??D1B?<G "=?S5=.!E;F!2(TH#O?BR.EN9C7J<8HM^\EHLX-33V
M(=[<Q)>A07SBK8E?3,P:K0%"H>>-=[26!>('P9]SU^V=6UTM-UXBI=(W3&/6
M*J9+RYE^&CWMKM(WX#E.[[K*C#?P$9$2KZ\,99G@H8'H 2HAA5M]=-RU(W"Q
M^YH31;47_3:^_TPW?N&T7FZ2,C+O/5AE#5X4!@MPPDAL?1"1Q#;!87F-_RO2
MT>_K[7=("!T7_RXI";7^F;J_E%T2HO+JJ L2^7O37;K+N/LW)G2P5HK5>^X=
M*K2'J(GY90/#B/PY$R_J3^<3@"%-3S@%5+;N3_,+"S-O=<X=+JVN,UJP3^?G
M7ES0PQ<+2V[)>6#+=JIB*]]'Z([-9KDT>Y:/8%C$K'[,5( UZG#* >46D,1#
MQ(D-O-H89 1GFB[;%^BZ47._N'6]O^KN*N/6SPKXAV^><T=A&^>X";#G^A27
M*NR2+"?MPA4U,=)"LOQE@'P1)69+=H?7<L82_J%SZR^[7A"[JQS^ZY>BR_&]
MH[A*[C>NF!9E>%)Z%\_- *']HXM('FWHDE#G!B\[Z)O#YLZK 8["XT$)5Z6F
MU9N37Z>C7M;&3[=9*-Y:DZ]20SF/A0064,0:G%P1JR=5S(;]>8W69O7@?*8O
M5<UOH\$KZH4/7V?4IJA!-[+O1> *OT;JY&RSE4MNP#M@NA;:Q^RU$&_ !MF&
M?L9I<7@IN?S1>&JA1MT1T6@"P_C/V1,<1EQ8>+ ]^MCW[>X'ORU]XBQ?)G_9
MV-=](-Q07"1]@\P&PC<X'](6.TL3$$U!\J'JS$4P\V7HE("0-(E-?\C /B[N
MW?I\+ //[9[ZT/#;BV#^6->[_]FSQ06C*^3^$#\TW\TFMQ(A(K%76T"O#=AB
MO =;B+]WN:,*I$W^W;4Y3H6E^9E#<$V9@Z?+I1CZ*O6E=X-C-^.][2UV2Q\S
MN3R0[2B^ !.SM[^$'?D655)5OGUGM/>"E$[.L91?%RTR+;M4#5F_B^XMF"NN
MVEQ9CTM$+3& JL*!7!K>D.F'9^.J')83(IE%]+CRK:\=14HUF7KEWX6DS7PU
M4[:KRTJ::4&"QXOQ-N=')\SFKGR[5L\1=P@+U_)6)%CBA0VTF[P%K/+<8!/K
M8 KE1)!<>"<M*HE*+T3G4Y?&H,79[-69XP<WCD6(MB^M?G[K@^+]DFTKG #R
M;8P&R54AVZ4Y#("T0F08ZLJWJ-MGL[OCGD[:N[\_3_$,TP+EN%WQB+_T!5D9
M.0&/0F=J>+3:9-MC&:R&^5UK>LJT%X:J+-\LG[O :G"?9Y6):A=-_?G[4$?7
MBH\K=%@A.0UF=[:H?7O)+[<5/X+ 6^5X40WW?JE&3-&P7FK#P7D&S?6;$N4"
M:WU\%U7]CG"(_9]?[_X_:F]"$VL91E!L,OYVN2=?U=J&4+*ORY:=S-X^WW6H
M^><*RAO:?<96L.H&GGL7+&QJ'_1:+_U$,GP[M <][N>@G$E<\*/\4V7B^8Q4
MX970&MVJX01@9B@!F<$*  <)@CO(+ FF JJ,05_P-G__RDF.@=]U='YK8&%K
M5@73YP?CY8N[@\[(5:K$20:T?L0JJIT I9(P2T[( ,Y&+6]H@!V!W^[?1-Y*
M[J$6X$>J+G81BWR$MEP;>>&^:IP.7-#VU6/NNELI'O*?[*.B"*>)IF#-'0=;
MY +>5UJ.Y^83B_"UERUL,_2C)EW!N;YTCZ$"CV-6?XG;C'=/TEQA;2QX#;&<
M=T)9MBYO81NQ 128^\9JFI(;VC^/Y'AE;&#9R9E45O&7@17Z2J\LY:-$^HA1
M./:AX>\;'I5;2%8-,G4='(8_X!_,X*N"8M@IK_G[&W_OO;.S1Y!V?>%;/,2A
M0IY!;*4I8L$ HME64VEPM4%J6$<L4JI];7U](.=1MH?\U8=#9._!#G>.B3'4
M%6>W)&L[CS,OE-SHVBY,#2A.>>I[QU%K9L5BE:P_*X0 .1S7'8VJ%DMVG">P
MW5&57AX^9H;48$M>)*6B"\W.FK0.W7P<_G;E]27[PR9RMS@CAO&2N:%9A^-J
MJ<6<6HTD9I%)GD[4D0KXB\CS ,,I]?OI$E\SU6ZSN<#EIO!I)^ &H9+0?4AL
M+7V0=9O<#!90:T85&[6X7G!(]=$'782_XR_)%^/Z'E)O3EZP?#8GX;_2/E&2
M\7,9AN06CLJUT2C\0I*M-)\':@^R3K_WHU[,X @WCDZE?HMLV\EZNY9Z<_#/
M?SE"N8WX@PRXUP/AT89/X,2CW#ZK:HR":TQ;4S'N,A*6+@-<,B+LV_YK%OP/
M;W TJC)+&2!I I.;!FHB2Z XOK3Y.=]&.S3Q0&1QA7:-TU)J3:GKDXU95UZB
MRX':>Q&UIP ")AQ4&"N03;  $CC!%5!<?09XNWP=W]IAJU#;L^VOPH>3E8(5
M0S5CB[E1RHL7. %7=?XSFO+_7B,^P4%$#=@FKH8"+R76Q#LL0)9\:D><1*S:
MXS<"M'?>B3\%C:@KG]PUO1TY$\']NFO_ JUM>.<_M&8->#&(Z-?P&A#=0[Q:
M4)EL<V(0-88'>'UV&^DO=NT\$)J@ &S,.O,275NY]HR%F>5VW//,5:*<609Y
M*#2G(7/E/PSRO,#M^ZA@ED&^O!/C];0)\&LE&B$8J8M"P:HEJ +GJ9*GM!CS
MU+X37WYY_N%H>%-K@UDVR!AQY,_O;3V"^5_EN'?\(_#0<9"=*+@>( -.XV'3
MK@:.H?F3X_Y,+4$1M"MMD_W2%/[DR[7.G+]O-IFE%/V+R)\"_XW'WT+ ?_'X
MGVA=&^T?'O]>!A3I8D0^H'Y_<!T.XE.-21BU<)&6@]QWG"*?NJ#5X"M? UR\
M-_0J^EIFV81$T>[FF>T1NY]IY*(.Y#XP/VBDV"A'G"3-=<"%KCJ6OJRQULNZ
MJ*04/!OY<_RLP]>7$O?&+4S$*.2?O'Q< Q98U,QN)LXF9NRR M@6RIE-S-97
MGXZ9J?XH?0 $-]T,J<3#2^C_IFRL.+'4#^FSRH;^Z@T_SWY6V1Q:_/B@'Z9L
MGKPQ#JWD,[);)P+,:MAG#99%9GL>Z_%<[.KONDG/\@7Q[UM+.></.G+00BD=
M(Q9EQ*)E9M(,)O>>ES9,S/EVV8\?Q);GW]RX?739HU<V[!<-EXX-T/?@>1%8
MYQ).D<8H> $/KSP9%[%^D#)#B %]9$#LA^-"%M'F2,6RP34MI)RNU[26XY;R
M7(HZ!OL?\=#^BD,><7748KULT2'!WS+YZ?AW)#\XZ_50BOG?_A,V"OLR0\^>
M3IBA<]U'?"1FZ#>]1G_)9O1;YAS(H8-]'J+?$J[,ON.]Z(9ITM;4'_GF4QL&
M#Q^0<]+Y#S1=6(JEK9^4A@^T8:OR6<)SV 6:P:(R! =9C# AYNX.9/]5^Q7+
M-[ 67=B2G=-KNOOOR^F1@#,4E;;M\;:1C?-V56IT&U@)F-WT.@YTD-;31]Z
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M"S:]]KVUHXC8C0[L+,=?'W>$D_F&(5Y75BNB5='14S=?CZPY -;:,C_$ILH
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M$)_LH%720,377G^#_)S2C0<E1+21'8*02"%0HS<:>L'/!HT@Y $W[74%=!E
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M5?]I6;0Z>2R:N!QMQ*OB>3XDMQ))>(ETG4O=[^<?2;1HR4>6I"DI92AOFTD
M\84,R-<0*D);>3DC\3Q[BP90;[WQ6K$<^?R'3QT"R0YY\%+-FCDGSBYP-HJR
M$N#8CWD^B!4NP19_JJ3GU86>\G8Q)6TM> /CP-<*(WL\_(5,V()>;7-K)GVD
MD!=D<(&IME[UJ==/CF'RP>'=L:YQO>&7$A\M<KWT]EEPBPHP^)[)?88K/%M8
M3+U5W.13FZYR*0#!\QK?/':(*%A!K>P H4ZJEMUV3$Z/B[? ,6'4R2#:=O7[
MR:./%GV<HIV+W6>V+S(@H)^MW'+:>\?;W GY[ V34A6;R8SOV,0JKF3-M"BE
M@-67)6&A5'0;59ZDP4ONT[B-N"X=)-!Z !;/&;'2Z$VL_0''B3.@T;@C#,3+
M$(KZ@<K]/:8Y.>Q59I%D9Z$_P](>%'3WY\ =:T,E56[24>T>W)2/TO0!I?M@
MC='PS&B32$.<!Z>_'9">JT@I*M$;G4Q9;T?>X.,JC6">R]UZ]_4%CL9 9V"#
M9YZ_1^G'\S.QJ7Z89O!OP_&#(LTD_>;1Z)QWX)W7GGQ6A([P9-CE$:W.0U3D
M>L0*.(B+JY0!2L(@560Q]#V1YA(PL5N/4"?^BX]_7[!)$*_@MOB(6\R1A8 [
MAE:J[M4VZ O73^%V98O4P3W8TOL*OVU91K.09 0?4')Q"@:A_&B14B2R \6*
MT4=<YA">9_>=*G6NZ3LE [IVIX%YP-7[[K88^% 2<=C;834RX.2JK.-XWC(X
MVF*&%EOF_"ZCW'&B[I]NTD+16L(G;N,F&3#\ZH7&F$YX(?\=-=BI52 #WJ>O
M M/^-9C^E?VH21+8>\57HE'GXH!^>NF,_BJD#FPS7JK;) /.(*ZIHZ'L-OS,
MP*MHI D')9&VI4J#:@OLL]I,<>]]Y5^^^,2$'4F'L<LPS/JI4]:S!LWYCI."
MM<88G^W:G 9F_^M2*CSLW>1R1XO\CH]8*?'%\.YTENV,T.=HJE3J]%K^Y<L;
M9DGGG57LC_$_L> C#AI!DRTG75#I"%7@D;D:(M30YH5>%WB$RQUW.ODA?M6Y
MK3_Q5Z]PXL5S(S:/)I'7A,F !379?NG'*/M/]0H""Z^Q$*7(R::;%M%VSOH)
MY5N#WBV1Z[G>G 6?-5J-9G4G0%N$#)70'(G5R8 Y0WNWAZ,TBYC[5Y$&W(D#
M2GG_^3-Q[@-$1%<;5;47T<3717%U-CVC8BWI(U.1#$AD+(#5-;1(!T4IS+RE
MF8G<S^_ON/AIUSH_ H-7[MR]>!?EUZFJQQ<C\4Y68UM1U1B)//D[4>&J#& ?
M$LL :0K#(G0/095T"C[G<UHTS)M*RO/QL-BW\8>GYX4M)VL7J5ZZ<X=Q^)E%
MDY76K^\'Y$=HL$40HI-^1)I/"A99B"_!@Q(\D;0,9D&Q:)N&$:PUZIEX***W
MK_YL,:.P/%DS<'':W-%2E<"]/]>F.HN_8]6FEOP-S&<*'2&*>,W',DH=J,6P
M0K:UV=G9K7MY87?!'[WTKN5 1Y!ZYUC'^ML'M8M_*:15OSFM@6@7HBK$//0[
M<2$I7&));@,+^K,@=T%.S;#K2<<ZD_GEWY]WY!4;.UPT/QZ3-K$B-UC]^G+!
MSW%-1WP3_9<&O (<,9.L(#?@M)EGB0O(+(QTC5P-#ZJ?+3.WKA$7AM[S"7OJ
M>JPT(^S30U;P&K]%\F6ZMS4- K<>/OM3?L),/"2ED]7!*DP5^I2-LO4%=L>S
M?[T+$<^<C^-)Y[0+#1Y4O#W!:/17W1UO<K9M]2:%"%V/>+E]H4%5(&Q%H9A+
ML^ST)>O)?;@/A&2FC]23'_>$.O]:,EA[\WK^J^&0-3D/+Y[[6'!E)6V1^M%Y
MN_CD$[$K##$;N<7<8;!D8$25FWPVJ#40Q")6:/7P[.^-%87%[D5G- RCMPJ&
M?/]__@\F'&;O>]XGMU(7D0&P6A]+\]1Z? ^>S6'CV3B1#9W:-,9HQ#C/^V2Q
MX!OY8?.-YKEV-CS;6B8[3/R,Z;!6!-9VWB@W\!)43X$]>I??'<]ZI7/G3L20
M_M;H.7-_\4M9L)57+BTTNL%+!3KKI5Z1LO5L.<KJ./:&XG8OJ" V9?'F'S&'
MC2;']75[2 OAR_Y0+J_Y*1?>\8B?^(V9!O[*KKDBS!3@+<687MLZ^YVN'3(@
M8-^6L9,.$GZODYU64?!.U+@]VNQ-U4$'5H=F@G0'K9G"!BOQ"N7Z?!T1*XFD
M^_[$TROGQW/:@NYMZCPGOR0M3C&NZ:^CP21GT>Q7-M$U\,CN#93>&D$ [?&3
MI_K\XF8JW0QGTY.756\I/_SV7%U3Q4OKX) M3@;SR^^M/N+VE[ 'F>EB<J,R
M]42O>")M<:WT&>)2COF(CO<-()-0PXC!AK9/]LZH6@CFV^O#(<O#!;B8F?3X
M59KT>21'T3JOTLV3BW]8VL]$=T8XC(M"A'Z2%3"P1C0@7 =)=G8[! G!1=V]
MWL._]U@UDHBS7PS%QCD &ZW&>"DW"S]7U8)#(<#Q.?U;QI-TZ6G-X?D9$%45
MFTPY[H-2E ?X 3QK$WM(T0B\Z.OMAJ =.'SR3?<8/#>-.*<<X)6K2E8@RFU[
MC-Z5X.9.;.)LJG?->VTNR?25?RSR08PPHJBP!_)_6&S3R]Q5>L=HY4W;V W)
MVSXUKW9H.L_]*>%_P#BT.0>VR"S#F$-6%=&P/*Q,ZHZ8XA0G_<HY^QA7+_O8
ME[JWFNC!NB)ZI=L(9#QZ:_V!+.7U-"4/S\CZ+;OTZ;IO;&.9%R]1/\'/LP-9
MH,8V4/SLF<9#)@]Q,!79?H&HJ'*3Y(+_8^;WDT,X)>U]1>GV*HT;6@4=:7P*
M?)."Z#K7$<?VX+D<6KPMU@FL)HJ"'%N"T:DG-#JU/6/F:) :VFMW Z]S%23!
MY^6QE9F3V\AC];[$_R4O]WW8 ,[KI4K+=.3&'\X*2"Z/LW"<QX+-6=6$N7\E
M3"B=%!+GUC,IF>_H4'[])0LQD@A,$B4ZH1M[*@@)&U2+\"]WNK>J/2?W?=V-
M%<'G&!OB+5&2 4L[G/=(RP$6LK+)$$/(/\SI91$.X?@""F)D+\!-8S2.^PY4
M1@S+:(@I?LZ9CNMA%/J>=8--%L@6)JJ2PZ=-K^! EVQK$RLYP[.[H$[/_V#$
M(^2+3R]KL"X<$./H4?,I\5NP]SZMP6?7[<1*$#U*!C0YM1&D7\QD *5%*0JL
MB4-<^$%4/A/1\Q=W=$Z!>47MC#7+'OFONAF;8'BHX9G"F71T"2;[HVX.,\>.
MVET6,1O*F!ACQGR8<_1Q$RH>7;:[=&K0ZZ] +#K:@*RTMI3::<B WK?+'HO'
M%"@PH8B!'W(*0K=N,W'CX>&-+%0YC3N@[<?YD)(<LGAKQCZ?VIFZZ>O-+J:_
M155?ANNM.DA+L)"Z-!O"H;C3+7CN_\'>N\=#U?[]HR/GX\@A.4Y%44X=2*$9
M'81;HA0AID).H1*FC%G(64PG*6+DD$J2XQ0R85 AIQP',V.*Q&0F-5;FM)?O
M\^S7_NWGOG^_??_V;[_VWL_SNO]84]9KK75=ZWU]#N_/NJ[K\WE(DI"U6];[
MA-0YY6.Y]##Y5=K'V*5<@$(*%^G"+#L>FR"(O(\7PFX9"/KYKU.H8$ZQP:_P
M-5U"6'N?9!G&CN/ ORM ).F(\A_@=+[F22AS=5NB=E-P!:</JE(I7EX>;^OK
MH^94[+??ZH@_:?=2VW#6E(FB7 &>@U6%9=PI"4C TXNY:,Z@%JH#K;#U9[AH
M#X$O$X>\6=0<+ACG5]M-@7/TL_,$L=[.>3O.,A.W-WQ<ME5FGW/""P/1.1G#
MU0^J]D#(,4$-!\_RC"%>-PER1_.?G_;##0@D>5CMBP:B7U=X]\%R[EE!'UH+
MIQ6"EL*98AJ=V6K)6-NR][X57W/+DFK'SC3&=ZBK.Y&FI5K$UDAMT.!>"$'5
M%<OAQP/>$O")997I6'FN/M9K&(L^^QA3UK)LB<M=-N1P7^L=L5/\4I5L?7/[
MOG>%<+'5^>/SIDEHUE'3U$5V#.<TZ!%$ARL'CV]/-@[C;/DTN^ZR%F%CG2CJ
M)F+]^8R@B]O)688_YP72E=S#6']P]:.O=!G/F 1)9\CJ+&K ZBX:<O,4W+"'
MZ_Y \-ALDF!L.;N>H;[W1^]X#4U\EHR2"<JAPG^>B'6VHX3+EX15_;Y7EAE7
M)?IY@Z+T5Z_A<D$G"H8S RT$2GO,4>F>G?'((<Z^OD"W^I$!JOB28$DBW/#\
M=]2;&<3W/DGJ)_<>*NN1.=]= -GUVNA.QPG^XD+/_E!%KO83#!3#P5M6\+RD
M:?!114 E9R2SQ)OJ_:H07FQ2>6'!=ZDR;#H)13**MYL)D3T.OF$1#O=R.MOA
M"N.^E>.1KW0[^3^GFXZ/<%1![1E^D?-8P]Y2U _J"7;F)S+?)@=1=FUJ$/!=
M3';;PX4O+-/6D^97QAUOHQ:?S\19]CAS:OD/S![RRQF]25[:N)X*6PM!QOD7
MP#$^B>2W;_M"'L.XMN*A>-V@R<S[GYJ;S)\^QGU<47B 7^A-$8@,7NH;Q?PA
M@N\1OZ(1WI8/.*VO82>NR[AQX67_AA31;[4B4-C1AL/*0 ;T5L01=E05H9'_
M@&[U&(JTR^UXN^_F3&"B.>Y@8PRAT1!S\$.J$/8VUWG.YPYD5!1*+7@X[/[A
MO)%W^;Z" WC03<.,P/Y=$;RLTQQ5U/G[7)SU@/-X-*.'-OD(UXXSN'A-V_5T
M;0UO>5;5+1R/KOM%72&,X=NN(:]I>TV;/W^U\OL/PZ$[=+NX(>+[H@>:W(%)
M>X 33(2W+8I1A+!R5OL#(0RW@=IK)C(=@77EUYL"C$F<_-R97]SSY;&7NW[^
MP.C_?'8;S.&\^:1 H8[+OM6(0- 'K VC(_!EN7MY(5\-K"WHE'"0TW>A6 B[
M/"3Y0S7,X&QB:/+F_5_+TV&_VP1K*\>ON\UP.9U#8\Z\JO[F]>-EGQ<H3R##
MJLT.<(?B]TJF.CL!^VNWHT0!?##P@ON F8LD)#3OB)9X#5*ZP&@>]LNREXP-
M^*8J.9 -G*E,BE[0&\8IO^&*YH_WWE@LG?WT^_*+D#D9 ]&6*[VC(73;9&O\
M=:3,#86"RY.G"9T]$;E?KU#'[-Y>NRC1]58@57.6%R60KHV"@LC\")\:6]C%
ME? 61^-=:WK=DT?A*Y)?.9#=79$9+N,9)N4(4-9!E4[?REQ:!3;N#K8P* I\
MUJ2OS\,9?^FL),1N[/ULZRC9*H2)>*V"^=F.OQPE\!OFJX@\D$S@;0S%Z[>M
M@V4ECF]$/5"E"6'U*2UY>&UPGC[$KRNY&.AY:.7&^(>V31U;?#F^<K8BXFTJ
MV(>*L TW3P5\;3 0G5E9HHX[TR9'.M ILPY]%<>=SG^\M/NVCNT-*T)VL0EY
M6[+V>]%M)3?%8TO_?:F=HE2+RC$;^1\;A+#5-<K8]/#1!2%L=AC%Y6S[PV"-
M<EG0Y\^C!Z$!3P%/1 1Z;G[;WI$9LN7:(M&5U^Y9%+?S"PN54-:;3^,;+XU$
M$2#V-!8LRAJAOW^/%.F_.B^$*3T!P%Q*4=S>&$("23;LLE?+O:K/9_*B,*2?
M:PQWSG,N@*BH=NJ!3[[Z;TAIIM-0$*FO.MEOH^,?R=7E:;\"=JI;NXI\!"(9
M%2?P[U](/>\BC=;0>WI7\*DZUD3D2[ Y0@A[]+WR3%&<M>4B9QVKNV?&$WL5
MS EK*T0K'I@'DXE[>=^D4>?RH^"_Q7&#/J8W% @A==6$I6Y=:_<FB$ B>[C:
MO "\8#]0]V8"1PAB[4NDTD_V+CSE.GL\I. ^:1AS+&-KZ+^:/%9^7[XTA[:%
M[ME+A##B^HP]I&!MP,C8+,*%OK!SO2-=0$<N5884&H+ZG=,L1S40PAZ/-QT%
MMD!:,U]9_*00_E"SE5HW5"B$.?()2!VJ+^$G0F7*EE!V'Y )?\ ],AJ!6MC_
M>&KMIU'LD:Q-N(+SP+O*DL!">!Z)OA/LA&SP1O2H!3HM)0:A39GPG4O8]Q72
MB,9G8TOEN':JBF^GJY\;#?]X3#Q6UQ:&U0YE+&KR7/A/ZV)E.ENB<^$IM:.%
M!4M'V<@TC6_;KX?KZ-[*NR0^<<\'&/JQHSU&_BJ":<L].@>(H8(1FE_="/(X
M:D1DQ%GSR=]#O&)]GF-%P@OJYI<J,04.^]BGG7G6^H*G:@)(%[D%<99<O"9(
MH@<P'4L"+_.0>9Y]=>L#"CIZ6\>U ESOREZUT+O0Z&! VQ4AJ-S[,6241+\
M3B\+; A5D%?YO0])?=(>"@WBCF7^OI#W*'_J>+0C2.6Z@+H'&L$0CFR>5][O
M"M..RIG[$,GTOJP>]=OP9MO$91%F.K<Z#ADFA"46<^XW,^SY&>;9KD*8L:E
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M9LX\T48AC&'^#6!U$VK"^9K4>$A)[D <B'$%^%,C?9+W@+9Q$BT?]?-*KKY
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METLDOUG7];:WL+,":/6(?:*W3K;LO=*''">SQ&T=Q[*O*^W9U&0JD,Z&NNH
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MU^SPZ40B@A7/V\U*&FK:Y4VA%%Y=# LK.RN?_VSK3, [_3V00=HJ(*-9Q[G
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M8]=N&"P.!L6A/-6 HV ^5Q]R>HXX&-#BQA1(80C3:FV ..CEQ4HA.Z(DYIR
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M 0O[V0CRR_F(7JX_)L(5C(^4<"J=J;AT*?(*R\1F4J9I4>FS_/3V]OU[$(Y
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MZBP73-*RMGH<I+/K=9_1%_;Y[")O,T[4M3L''L^LUPOS2_,W>=9YNU#C=[E
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MR'V'NK3)1]PT'Q,OGEV2V,T\AK;%JK/L>%HBW$V";@W(UHS0H]_B$Y%F:+E
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MGHE1:;34:N&8]TJ%L^RJP[@JM])4COZ&JL-V)"GM"&\RO4A8KR[VVCI:*#$
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MUY:EAWLKI@,U CP3@@MTPKJC&5UHGD@TP <%>U7X':53/:P&=!1D$"]NY)R
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M1$B+"@9:5[H")U;>,<P^[E;27$3\"TO[V\-=FS-9P-<0U,$16<@XLHJ0LHH
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M'+OSO-5NLO-LV,SAV\C:>7*V$ VWU*]#@6\H*/VSAJ:,2#:%DSQ'2F^3#=E
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M46 6@F>[M3[6L!SY"5W8>+U=8]K'3Q+?:][]-)8=/>V=)#>T.9'0-5&UOS=
M?A'" *[E1,H1R \;1$[BYPZ'A1Z2L::P!/YJNY9[[,QPB[)P/]Z^:V"^^/3(
MM<O"&R]+:TT1CTBC^N0-LF:[L>8_J0<A!*9MD.PBCJ)E4&:2 6H=,VVOV%Y
M =,X02U'604:(%$\4P_B=CTVT-V"&9Z3O=86<RG 5;.3VF7HLDU\NBC&H4=@
M"QD]1#E0@.._H-:1XFKS$)SK6B&38*NR_.GTV?>S\WM<IWY_!W-[)&.<<V>F
MIOJ:FM7*O$GA;\G_&?\9__\'?&WBOP!02P,$%     @ &H146@F#G\1^@0(
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M#3HD^/XN0@??&E%:<."I^[6@D@RG3:Y<>-L&X()@% I/J-H/20B1QSC$?I1
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M'OK4][DWB)O=^=YT7[ F!Z[S.]V"=KB5*>) 4W<4+7M0LE&!LKM'G"U&]J!
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M9]O^P 0X,PWB' X[Y:'(@PW],]!Q<+95JO?B($8C^B!8R.RL%X()S9G[(5C
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M>\WOI&TC#9IUXK*TA]893=T+>*DREG.Z6LHUW>!F5;]?5:WS!6=!FJ5,P#!
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MD(51%&<Q"SG!-JK$@.;$:D1Q,.B[> ;63$!15K"6;(PKQ6("IYD"<0R2[<7
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M_E0>H^3R]4LOD%S^E.'=R>7/GK*O^?AN=:?[?#WP]@QTI>\=+L4Y*W56U^;
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MH?+9$9Q&OE5NIQ'5J4.;GM9=O<>/YB5M[? S<\XY1\5.<_2 #.B? <4!T"R
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MGF[*0 585)4^M>A2YQOPJ/.VG+LR^)\T0R/I):?"TIC2E&#-R'$R:X];0)]
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ML0(Y *1F&YEOH.RVI0:C(_+@8XO1IP:CSPU&WP8PLMYC;(3VM&,8D9Q4_]N
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MH8QF*6)V7O9 >#HYV!L$-5V@"0-%.1R49NHQ$#Q.]KH.VVTZ8^>1OMX[Q2I
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M$F/=B-$B(_DRK<":H:,,-GW2E@G% TB9Z01/\MOI@;WH1U0#-&PSD,Y7.NT
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MU&3_1>_1WW525*5_OQ);0#2;MO%8$TVLY7W&JYDN]_N-G@C@3R4#Z L!&BG
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M:NKUSJ>=$CP;C7L(5M0&<2M#%Z2KF=9F,G@2S65-P_>LZSJN/X(>[_ZTZLM
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M1MQOA++E-[K0>)%%[?E0Q @E&:^3W)G:I L,"4XH%"0G45Q273# N/S.$*7
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M[V_7U>)^)3;MJL"Q$#&E&2P94L?)J$X%E2G,99$E2$04$:-Z1>>'#ZQE-$'
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MJ84RL#1_8L^A+F:^=[424919GDN81ZF.[&81)%%*8,YD@@AE@J#,*G+%FH7
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M[4 SNRPUI/&6MZ!V<)RXWK0<U+:B,,?U0_74].=4?2#*HG$+KQ$-&>=Q#),
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M&CO]JLZ+RHQIR?>^,_7;E@7W]3A.B^NX-,<(P3>ITG$:@&,%.S3>-"_/UX1
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MH.$:-&SOG[LH0,?YFT[5;/WE'$_9U$YSEBM*-%/7>'3VSTG#__[$U,W9<\X
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MVU81!'7C;ZEVG&A&-QC@F/#,)SX/H4!(W>%B+,_PJ@YPD# _33+$D%'3:$<
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M6D<6[)@:[L<K%0;7/V'5=<=F O2<]3/#:J8BYT'4V*<_ 1-'3GX;#A;U^D^
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M=LT4S&P'"Z3U[(IY\3-3@.]Q\5?KG+UYV#0*904Z.!L(&P9[9%= \04&C*W
ME[S([Q[NW!DH]N@X,EXL&%C4L+$'Z*71,V$D"X.H:3G1VUF$8]5Z\&/GP6E*
MYZS3E..$$1\*%!-YJ".95%2)_!\18X:EC92EVHEXI\G-K)1:!MK]4G( .Q9V
M_C^CM&9- #5,*Z>P&!I;+2(7+Q'YN$/$L(*2!B(&%IE39"QMM(D(F5E:V@*/
MV5ZG!UG.&M,6Z)E]IO^6G<5V5M+\&O\\VVZKG#PTU*[+*ZR*':PCA$+$ P83
M%$G3#&,$B8BH/!1Z@8<036)!^PX1>L;9"#6M[_=Y?PA#.PS_!(077,AC15D
M3.4:4%:%M"#:>R]U5*CX+2_J_)&#35D;NG/&H PX]5 8^9"J:ADH%*%</E$$
M$Y]D<980'Z691;,-MWA:]-LX.X%BWB1/R-T$_W0'IIXA.Q4;NTIREQ\N@*2Z
M D.Z<C,%+65WEJB&>(Y,SC%*B]J6&B*_-")U7IG:5P?7M_N^T C'$?)5U3%U
M+1<1+HU$1*#O!X2&,4\)1T9AD8>HS&P;*E* ]82E24@W$C#V7[;]=(;XZ"W=
MR5*;+=IA)QTE^QP%QT9%<MY#9TCCC1KH'!#S>/><0P_;]@F10Q5,_4<U$'S$
MFZ:"V;;O(] DTZR#*/6B./ @P4D(D:K8G_DL@S1#(F*>EV#?J'V[%M4EEJWR
MA%+U ]^S8=H>1 = /PM]FJ8I#%)/F88A@FD2>Y *#Q,:Q$$J(K,;3N<06EUX
M+@JBE_B9Q)#!4&1"18I[\BO$J@.;GWE<?IJ(9^NVXI@\!U3;-P+R)0?3P537
M-83?Y(5JB*[239ZTB\>8(1SY"97@(KG$6:2NM1*8!K[RV40$Q6E,O,SK$/Y4
M:)YA9L*WI^\&7:E5Y\15;QMWCI39MKX#J/EAP,%*(:390LFB)9"!T,X: >G0
M7+C]CP$,KYO^F+QLF0; F4K\ZWPI%T7]4*F@X@]E=5]6C6/LJN)W^</=IY\J
MZXVO.4G#-/0$I @%4J&$*<0H(Q 3G(8\3!./8J., $,&YKY&_WCQ >"ZYG7=
M%)D0W+C*J"FB>EID3IS,%$K'2>_P!#M>P( 9T'$#.G8<I@Y8 N$JB\"4_+()
M!9;@O,HML!W'LN'8+=\P45;Y+A>'/'V3EE%9?-[E#;,092)-I,YAF$$49!SB
M% ?R[$)#GO)$%4,VZC%VFN;,NJ9-1+KM$Y'VC*BHC985O:QB:TQ/WT7-@)29
MMGE[D S;A+D%R^Z.:@A( YL6BL[J*9E#<:H7F,9(R[;_TA?M5<<O@U<M;O Y
MKDMUGFR"!2Z++V6QO=T\?:>WG#UL.+MJRR?6'Q_XN93J^C:OMIP7U^7U#_GK
M)U5,L7_DHN@*,*X]CCSFJ3CE*)"'R#1%4NM*FR\.,M^3-E\81'KUU&9B<.XH
M@9YE0)I(&[E6[EJN0=VS#;JZE#5@#QRH#P;X(8 @0+N_&-R9SS&)IW7]6T^-
MV<:PGY4V_NFR !W#8,<QZ/D!DF>@F 8]U^"Z!"W?;079W9,7TG9M>7_C"3,(
MBWCCB;,,I+!;5MM^ K<EV+83*-0$[I[,"]6?0,G@*MQU1GC'PC;F(+M<H,>,
MH#T+#9F3CN7E"Z^VN5"!VKR^%-T9JHL^)\(/F(]BF!"/0)1X'L3"]V#J^4F
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MH4&6B3B.6.!I>;HT"4Y])=NS &H>%LWKO6IXUO!A-/I(&\D!S]8$^!A>SUQ
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M$MBP"N*2/+W5#B\>FK&JX1+#Q]4+%S]ET2WL9>*?<J]>45KL5'I?W=IZZ9&
M^ID?0Q2'&"(119 P/X-1G(8T2N+ TR\!TR,YL=XXGVY<5B/E<,W)OL.\02,N
M/32'=8Y[C,STT/D\X7KB7L/$O@&]<W@,&I<YA\FRDYD+N,Q:FQE)WM?K3&^A
M^9J?&0EVU W-[$G+XHYV!F!=@*LB4TU/BIR7C3N:W:C\Z%U1J&D :_9ELR[:
M?ZH1T.6G?,VOM_RQ7%*498F'(A@&C$*$L <SDF0P\[ ?)8(&V&STJE/NIM;
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MW]*J*BD./K =K0]%U8@'L+9<9-,PI_Y$Y3VFK/P_NX,XX*F6Y_]YPQIY?ED
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MR)Z 6< HS$B*XB06<>@G%LGQ3IC3.EL_1Q*\F\WHU^OS8SM=4GLW-?WL!BP
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M\M4:KY[+O%1A0L47D(PU$9OW7"[S[QV7/)H>97UL]<[W)(B9'?H];7 @OCA
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M$Y*R)(N,FE!,S?#$6N+ OGHI'@0 70E +<("-$(L.H/L-P+L!=FGM8,_#K*
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M_Q);$9H8-XR]*/:B"$8>5S:V-*\S^7V#+,99Z"=^Z//0Q!_@"C.[N>*2M%2
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M%(:<AA@'@FIE=/;0F/@ UQ152(R7G5;\"[#FAJGEY_#1.[HCI38[L(W =Y7
MTW3EORB-L[;\+RG,W)?_HH@O&_-?_JC=.;P\E%M53Q_^M1289EF0,8BS.(((
M!S$DGGS/>M2+8\19F/K$K#1$E[3)M]>J&N1XUGWE2>O<H,S.K3:>*1>"(7D5
M#9 :/9)*9-- 2'@Y(6E,DP@'S$3938&FC0E3;O/'*AOY,&=N(@3UU.$4N)CI
MR*IQQ('0 AQ_W]RXL6S%=:1$M<G.JEE-P3A5M\;/NQE!OEIM_E+]^2350XKA
M[Y(4WPAQ);95W<U&JKKG;B;Z(07]P@SD+/-1B%,BE;?4VRCV*"1$>)"RT/,I
MS["0&MPLG#(?]_.$8-KRB;K=A++: 'W Q3V'DO>V#B<8-]-ZHMT==K#]9)OE
M<G)Y*T;E+SK*L&YE60"LI &M.*>%,YV"&?!VFF'F$VW\N-'FK_\%<#KH_+6_
M"*-GGT^['X:3T"=BYE7GHD\+\-"4](FI6_3BK5YO-_+M=E4>YK3<B"O)@_RA
M\N%>K[_R)_RL#NF283\*113"B(E45=UF, OB&&9>QGD2>5E( NUFO6:T)[ZY
M?#E^V0-<JNY3>[94,SA<,]9$S?*UZBE2\V;0'-<0\.'W^H0PFKV<:T: X@1<
ME9W)2O)7H.&FB>9(1?MU>NP,.@]/AZ%E:^(:R_:;J/L]=-5YV Z.OM;$ABO.
MU[O83M2CYL:62S@<3WZS;HIC][6Q%=5EZGLT]E0S]8 (B+(802Q( CEFL?Q_
MP46BU:[4AOC4R0Y53;#)2-CQ< XKXRE!,M/&?:.Q;]:7>DU,")Z#4>,.0!PW
M9_S,G&50C6&KP>1[,"O5[$@;V\)A,V'\TI*O/UY\0%BMV>)#:]C%4)2GNW)T
M?ZY*"JN0J9H-\>MZ0TI>5)2OUT^[;:F,>WDE6.45[:_*@:C:G+[%95Y614O5
M,DO"&1$!QS#(D <1%@$D1/XSRM+0\QA),C];UCZJ;UM<;/4B!*[9-#EUI\QJ
M'[RW>*7N2PM N+P.K=6%7QI -NU@G>]2)#)!8E] EA"Y2V&40D()@Q$-O(1Z
ME&$JFEWZL&;_4_:H9=5\A[A*,?])]D8O-O2::!OZ/??!M 7H,%M-G@%==D'-
M+SAF6,V0:E@&%<^+NFYU(#YG''V:"E!'42KG[,T:S9H*W-.HUV1T; OJJU=V
M_KT>]/!.C;B5[W6\NB&K_+ZB?+?YRK>[8JU&IJMK&-\NJQG S",0)1E3KU /
MDBA,89+PD* T9HP;]5>WXF+B&Y B!.B>$_"TXNR^IXFK0WCU].ODH)D&XEMV
MVE$PWW;D7YQNP78#/N-2A06^\&W5!?VJ*.2C^P%[+>,+<&!=/54S#Q3W"U#S
M#Z[N<;XN56'+,3F7/0%&X.JL68 -#S-W$1@!T\OV F,6,W?U'#*L\[7\FI8Y
MRW'QO S",$DC*K494NVZ!0E@QED$@QC3"$6Q_%DK;>@RB5G<-MT*%=6#NZ6>
M\Q*\D;?I1_GCZEF5>*UR+L\F!VH,H4&9X@7XAATXXT$Q4TJ=,@@)Q('B:%'U
MW2WC1;9SJAB+;N0UZ9>JQS=RX<'9/"#]C'?]' .?M+.WWN[*?,W+NA%Y/<6A
MZ4G.WV\>Y:MMZ<=$1'X60C\,$40T26"6,@9]C AB/$@\SVADP"#%B5522Q]T
M&-CWQ.?@CYH)PRJ,81CU;"BGX)BIIK&X&-LUVK(ZLF&&Z<UJKVB+?VJ;Z#\X
MIH4+2IL>'R(5/F,L@2FB*927*0XSGQ*(509A%N#4HUKG__SR$Q]V1<BFP\E>
M^F$38IQ,9F>TT]$$I:-:N.P%M&GA8B/HZ!8N.@);]G(YE4>KE\O^H5?HY7+*
M\/E>+B\^95F1J2:5O%6S=51-&%^7U19VKLQOGP\?N:VCWE=_X8+=/%5#H6YV
MVW*+UW4AZ;:0M^6<UGY;%/N(ABR%F*NVB%Z40.S' G()# ^CS$L3;%3-.16G
M$VNIJ_O[HLIB!GNRK?NWPU+E<U?>"E+[X WK1"?;13W+YJ?8&S-M6_$#*X9
ME^FNNTC- N]^KN$<5*S+[:N9/]G'DUUV6.\Z-<BN:F4GXW/>.MNIX7Y1HSLY
M0=OZWO9J>B<7>"<UV?VFR/]3<=?8&33*LLRC" 9A2E7\%,.41QSB)!91DH@D
M)KY9N>\0R8F5]G7'J65W:=1 34^WNL7"UJ.E 8-%0;"N9,[J@P<)SEPNK O
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MB*,"PY(G4<IPDJ21U9WD"+W@UO?+'IT3.W2^0 LG/.>D4$5+5<%F3 @D993
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MEZ>'AZWN+5KOUG=T)37P]>.*KOYKVWZ'#;2?Y9"!-> A=_LWJ0!WX)WZ]5#
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M!-Y,#08$TRTXK>,'_-+GZ%>%YIXIK?PZME2*]#BRUFIO&C">])TC$[,JNFE
MO=1P$T=S2)4^<T2K=F)[_IQVB 2X6;]]VFXE\5XT324PB4D:P8@)+$]/*(;R
M#Q3&7(BH(G&<8J-[,,]\O4[@VA58J_H%.OXLMLA3]C@?PRKP%5'VX3DBBL\A
M_U$ON.EF#5I^W:+.?$Z*1;;YZTR.8WKZW)-DE]7N'\JA-'B/U.;+F_</T5&B
M?8#AW0SY[B[WB]A^7S)QOOG5QXW>7077.0"U/N_W/U=EY#YN=O\E=E*>S;>U
MNF59T(A5<8$Y3#*40T3S$A)4)E"4/*6%-/1I:M73.!BG@7=$=?'4D0*L'R!A
M7S\RW&R9'1!^BCFPVR_/-@X\-'.[ GMVNWZ"BC_YUQUXEH>X XO^"RT%1]/3
MP2,<G[.>38+#_?+X$IZ@0P<;(0]2<NOXO*S_]5GLY J0- YU^A=$((RB4FKM
M)*]4Y=X4THIF,*DR7;J7EJEY*YIA6H'U;D<=;"5YL.WH@V7;N\"B^<@(9N,G
M"X](V&F_/0B*,MB3ONKU]_"'@T4W%7]X.+9%F8"+75,3,TF'NI.,C#!?FQ$S
M48[ZA1B^XAA]0Y9-7Z_;JC6HR>IF7>^V^@M1?]JLENQY46*$DBQBL!01@2BA
M)<1,_B:*5(@T$9S&5G:H$=7 NJV7H/N';GJF;1G+6!LC],SL0N^86/I$CO*5
M]QR '@MR96LFP-?VOT$BD*UP\!5$8T1SWJ@9&QA.PF2L7O;05K7I*JJMLWJ1
MEV4<TTK5)Y<J R6<0US2%!:$QH(5>85POO@NMG3CU/6S3\MF/?0IFE\?]]NE
MWHN53M;?==TN?Y'_J#4CAOWSQL%#&4TJ:29*W.2Y'PE,(%&)VSA+44*BN(QR
MWEWO?;*-&YJ&X_%EWDOBQI"^V0?[=,T* \"8Y;2($<8PC>47$>72$*>5R""G
M/,OD-S#/17H,HW%LCW\0K<-WWNO6Z"'Q2T5&,IQAB'DLH$H!@)26&20HKV*>
MIH(Q][Z]KBO8)8IV[O5KMME[@<-N@W_9HK>A>@4:NH'Z\9X3+40#WB,ZK]=Q
M]YRX@RUVS[[@MA_W?:1WY$>;6%1W;09OUS=KMGD0\B-1JTOA)\$76<5HR>46
M$R5R@:,\32%.D9!:$N=$1")EPBK/T(&'P.M_W[)3>RT4<=5$0]2 -.35G:HR
M>+M^N;1AV4X;N$!OIB<" VJG08Z\\*JB?L?.%>C#W+ $-$^@9<J?>IF B"?%
MX\+!K"II D0OE=64H1S#[=N2_8=<H]_(<JVO\-;[8\T_!)<VY+?>D29>")(*
M%,<5+!DO("JS&)*2)!#CM(I(7D:LX%8YTXZ,!%9H[X2.#EE^EXM+S8V$5MLT
MG4L6B!_*[VV9V.B,NID:FP-+.UW6<*2 ZV4Q*J; +XJM7Y4BZ[E$6M[ZWA"/
M <$3T?$5"^S*QKQAP!/!.HD GCJ>?9W)#U+VS5JHNZCO8OO\[DG<;=XMZ[^>
M)/UJR=H(O9ZZO7[8F1:<=!D[M*.U80ET/ $N%]1N UZRI<RP8ZMBY++8#[##
M&FP.3"T=M:'@M"HC.043IWJ23@1G*RPY!8Y^A<E)XS@4!)='T8URQ>DK]=OU
M'YOU[G[UW-7%X6VP1RWY^"#EO?M;_N-9E>RZV]S=+[>[YR_+']TS-]VEU"*/
M\HI7C,"J(APB$JNV\0F!3)2<8Q2QE!A98L$X#*SP]CP#JD-FY%I\:-@&=<<W
M>&R9TLM7?9E D@$(TGS_B47A[2#3.*P8?XK)L=.<AWEI0IENUZ#E&.Q9[N*;
M:B"9!HIKT+#=U#.\VX"&<R!9/SQ[L^XNO5][TBQJJ[_VY#E68G=;7#O%LA!K
MM5/NF@FM)(G#D]+R?QR90KLB[B'A'2KY'H3N? 7B0\)V5$X^*"$WWT?G5GDC
MR%9R]DX\JA(KO<:J[S8/\N,E>Z,K3TM#8;V[IO),0MAN46:49U5<R@U794L3
M53-.L!+BJHR3*,-YFD0V_H\IS,SDU(6TX0VTS($>=U>@X^\*T*:NNF81?.V8
MM*QN.6ERS-PD<T%NMVWNT7X3!FUK?XD/F#SY3":Q,JO?Q =H+WTG7L:T/[7(
ML6A;M_VV^O)$ZR5?2@9$+<]%NHKP@D9IP6,NE5]:)1")*(>TR"A$G,8$82R*
MU$@7&E$+?X/=T5='^KK'@;FQ.0[9N+7O%0A+;VT/@]L*](EK'X<F[Q,-<S/:
M*RIN)O' -T1==NJZ+?6_^3%KC<4=,%''QYC-W#06IV\ZFK_D6*_\;))#+^'F
MS?/AD=8&U9D/39>9GI?Z=G<OMG?W9'W[J(:H_]19$MI<76[XB_Z9NGF-ZEVS
M=WLO4)+E54QBF*1(1?*E!2PYS6 915F.DH*E<6Y5"_UGD2RPSFZXT>%%?+-:
MJ=X'\G#9A!I91AK]-)"9%FS_6?@-Z$?JI<,=56ON2:FLX+-I<TU^7-L/JB<M
MT.(V3;A;@:] ^SU::O>2%/H*G+04/MMRRF/Y^9]M.GV5MO]IY)JW;/Y/(_:%
M(\7/Q^#$O!I5:&6U4>DE]=X;4)"<%D1%TZH*VR@K2UA620(CGI=57H@T3PNG
M=)HSQ$)?[AYB)'K$G9TL@["9;4"^P+"\E77&P3U!9D! WWDQYTB]3CK,@- 7
MLV"&WIFXO*_K6NSJ-H&,WZX_J^+9V\:MO*PO!Y<L4!S%61EC2#B/(4)%"BFF
M%61E17'*N(AHZJ0#7#D*[<;8!UP]'0*NODG:M00>K'3)7EW-1:IMT%0U50&[
MJZ<VODV>JY2WO@:_R&>8'DQ?VJCX7:)%_E6_WOS>A/J3G1ZM+5^J?MWJEIO*
MB=F0<-1.SK-NJ<+FF$M7/7<%-'>JDF;+%-!<78$ON^5J!?XA9^#J0G1= &4X
M%2K?&M.9G]=1JU/ANZA[)P_LIJ _;=LNGSK-HDFPN'W:U3NB4Z<6"2N*I,0)
MY*G*?& XACBG%&:LP&61(<PRJXSF$7J!E>N>>I/H=-4F-8%E73^U?@BG-*<Q
M%,W4F4=L[)35 98VYZFA#7K$_6DB0RD]Z9DQ:K-J$4/17^H(T]?L;XC>"?G!
M7T]BS507D_I0+>&VTJ44;Z0::B,_^H7!#A7!+G1W33E)*4,1Q$10B(JLA)3&
M%!(5TH812HO"Z. 6D,?@Z0<MUSMPJ;^R5#;;CG-IC@'2!=8H=Y6TPTS>:\M<
M)N9W.J&F?/Q>[">82#NU>,2PM.)Z!5O4[5HS&S=K\/DP&\=5%7O5%(&'%LRA
MIL[\$N\GF$*WJ[]7GDJKJ\/ ( ]<.(:B/-LU96#H^I>;H4G9;>9<+!=M/[+G
M]S^:8_]'\B 6.>-)&JFJ!"C.($HJU0I,U8B.:%PE12H-^MAD)[Y$('B(>$,2
M=#2!(FJF,B]B,KQ5^9#4\I[,3DAC93(FR4!^B7RUL:[E+P>C^N* LRSP,7&Z
MU3GZG+V=K%>T93/V140)PPS+I9>7"42$YG(1Y@CRJB!IF>,JJ8R.SJX,!%Z:
M32>>BS78]4Z9FQLW3A"/&YVA@;-;Z2TV/=-"9TO<;H%BJ0G/\F$I.H%I;@:&
M!M7-Q@L$KI7M-@69 </,:=C9K*XI0O=-JDGC^&G <;8F>M</4Y=-[U(.#WS>
M_;WI,7BF.0=C>9Z2"!*:J2;U@DH3+.4P9B(I195DF-*NQ-:=>X^. *P;K=GC
M0EUW#C=>;>^!]C)+752Q?4_7;B=)I_6,"#&OXYO/SS1-\[:.[1I0=+(<J64I
MSK$V]MXB),1T3VL?\LK3[K.UR*M._^3F(P$GPK(Q20A.7K5I24!HQQJ:A"1M
M;UG\<\V7JA<B?9)DNH",3=5/.%BD3#"2ISDL*JJL@CQ399AB&.<%2G*>)7D<
M65H%!F3GV=&/&#E$I#AGY9C@.;X;^X+'L2;<_)"8[UB>H7';;29"9+4S6 @\
MH-5-1IE-(UN(U->F-J^YA9A(S;LB=7VHR_*TNZVNF?R*/.E:DCH 644Q;\6]
M6-?RU-<4R_M#/%"Q712<5DB(#%8YC2&JB@3BF"&8Y5&5T$+@ ED% 4]C)[!3
M[25S8/.DRV[V^&L3((XX;&M)V@6M3)P7LYB6^="VT\?3@ 9?&_X\1BO[ <I3
MU,Q$9F8-JO$#W,N8&T^CNFG,0^W*0WB@KDEV6U6UV%WK<.#=6Y4Q)W4,67T4
MNT4<\:(0%95Z,2\A8BR1]B3261.\J@@E,;**DW;@(7A(3<?1%:A4>.WW)KR6
M/#2=KC5?@#2, ;;G3/>#M5.-+A-@I@\#PVH;X') ]"A@N4&T80FT/(&W/40_
M#B!JK?HF8.))W[EP,*N2FP#12\TV9:A >=KUI62U-B7M_0^Q9<M:U!>RTKK/
M/VV73"PRE*,LCF-(&14J&3N!9<$K6*1ID3%2IIA9%6N?E_W 2K2C-5/2M=^9
M-5.Q/^]\68:%&*1/UR/YT_L,Z;U,@TG2W5- BS9C=G20*9DK!=HO\S]7GG.0
MB;%.9@[#A:L[XYLZ FRVSV_)XW)'5I_%7T_+IBM>_<^U'.@-6?]+NZ?U@XH_
MU0!.]W];%#&GK.0$JL[4$)6\@&7"&21IEI915')*K:KO3^(FN#.CXPVTS-DZ
M**8@;>J?F D_6_?$2^A GS'PI#@#+6N@QQOX&J39H!>8O#DGIO RLV_" VRG
MK@D?@[I6WF2J+9-X)YK_WJS;;B9=B;O#G9PZ$Z<\S].8$BAU&X,HJB)(&,UA
M1B)>IEF!>%1UEUQF^LZ. 8?K+CL5U[&CK*JN4]*^P\AVSXIM!4TKD,T470#@
M'*MDMHC]TG'RJP*O9>;0(*D?<>#5V^ &A+<ZF%;$9ZY\Z0+,::U+IU%<<A<[
M/\9;4M\?_!4JG_ZSZE(F/]EM#D^]__&H2UNH)5-E)8O+.($IKA!$7"00YU4)
M<9$PSB)<B0B9YR<Z\Q'8_E+\]/R@3:V';<N2*O#-]TRI;DB:*YML-'?\QR_K
M9T+5W5^JP3WPI<LX@,\]< \/@XZY84WF%6&;G+Y9D';-VPN)N&5:WF2<!E/O
MW$>?,;UN,@3'*733A[/?-^[D+-3WFU7;4_@3J7>J=OUFJ\/%;JMJWPN\'V&V
MX+F@F*@:&#Q*5?H<DF?VJ(0,QQ%"JO5T4IIN&6XL!-XM]DQU@=A_WXNUW")6
M71[[2B?)DJT ?TLV=T(5T:W,M9DC[N-;17@T[7:) Y -0T!QU+1)V6R;$%D5
MV:[RCL\%V 9'U'QK"(^LVZX0"F&K_6 :. -;@>/ L^T"TP3O;P 31_K9JD9_
MW*R_Z^*9G^56)J50+RW2),<X%RF,65I %%<8$L)B6$:LQ+1$!279SU$:^AS[
M@?><CT\J6N;__K_B//I_-M58B_6?83H]74&^VB3YOX+T4\%Y+Y?\57\IP/[[
M +XJ64$KK$>G]NO,TD]?F/DL\S_7K620B9FOQ/(@%X[MP)OTE2_2DA+7:_Z[
M_/*O[LB/]TV3Z[8+YB)A:1X+U7$RRX3<C%*Y&>$DAEF>9JE(Y<D&6X7&&%$-
MO(=HXI9=O(W ,E/UWB&PT]!=[IRF#\B: \V![O;2\@!^:;GP6$[42FI??;>-
M:,[;9-L&AI..VE8O.^>WDY4N+?I>]<:]V]QN?]L*Y691ZBB/WI'GNC6[V[#^
ME&.2E"6&K,P)1&DA($:L@E(]((IS5 AD7+7$B8/ ZB*/@"*IBBFW?.Q/C]8Y
MQY;0CKLR@@-FIUSV['0EC#5'JKGK[0$]Q17H4-T?Q$<3)#QA:IV5'0[;23G6
M#AA[S9%V@V4\X]ERW+GSE]W$/I.-[#B0O5;?ISJ_W32Q;;?56UTM0X5OM^%N
M+PO0+:J(QT6:4F7M%1#A-(<XDV9@F=.HS+.*1Y5QIW$7!@+K]"Y\=752']5<
M_3CA.J[10Z-EI] /I1LZ=I2/M&%(IWOL(X%/*V(&AM)<D8>&U$V/'Z!E';2;
MJBUDHW.3 +GX+?74<W *, .:W&G8V13Y%*'[>GS2.&YG=JGD-EMI^>N[3L%;
MPW^!$H0RP:7QG>08HBQ*(96*&E:<BYCQK"JY4<G.83*A8T_ZWD)U+*7-><;2
MNWL!(K.C^73![;2KIJ>%;2EV)W!_Y^YAD3P=M"\0F?5D/2SHRZ/TR-.N%T6;
M[>Y.;!_>;+;;S=^J+L*BP"@C!%&8EE4LUV8>0XJC"F9%C/(T005F1H%C S1"
MN\L41:A(VMZSG*)A>ADR24;;&XM.//!.4(]AHP-2>//HGU*8V>U^4<13W_CE
M1]U6V_5WLERIZ]T/F^T7LA)M!=^EJ-]NUKOE^FGS5!^ZWZCR3I]4$W7ED3]D
MY:L_[]O@);B(4UP6L!"HE&M5+EB,: ;3/$K2I,0HB:U:UWCG,/!*_UW4=7/+
M%B?@0;)X;[GY^I\2,X7QJD#;J1NE8\"!ORNPYQU6FRU4W!_U]E)<@8[;JZ-J
M(_JC$'T0@\'I2>_YYV]6K1D,WI<Z-QPA.XTM&%](%KYMUJ(KJB<-+KDLVD[O
M-P^/:O0E(W2Y6NZ>#REY!LK6>?# RK3EJ5?1LL>6.NF_9,Q,U;IC.:Q*9X'1
M\C+!%D'/J8R3(1EHER#';C4=XP<%YTYQ%@4V&9!.04T?R,UD_&VSX7\O5RMY
M\+M9[^1W;:E*@>H^BH=.MI:VA]68X19+QX;V)AP8:>Z(ZE[KY" 6@Q,(GJP!
M.]JS[O1.L+S<Q=T&<2U5H"H[,KGMJP2+_4H0,2U%62)8J-HX2)01+$F.H2@$
M0Y0D$:VL0E+/DPGM8"3;[;.*Z[[NRG^I5)]N@32VD?Q4&^@F?2QM #13)=-A
ML=,9!WI-JE0(S3 LD[<$_[-$9L[<'Q+T-"5_\&G'D+[-@SRU]WI^WN@NM8NB
MJ)*,<01)7!40<9Y#+%<NC')$*\9Y3*F57^,"G? 7!)*JYSZ\ER S6[ >@+!;
ML2T&1TUWKT!#U6.LWK!8OJ+S+E"9-QYO6-23"+R1QUUWW5U;C>.3G&W5>>S=
MYH$LUXLR2S.4(@91D<H?/$<0YPF'$<\PK<I(I-BR]L]Y0H%7[H$L4'1ULSKP
MM2%M&.\U"I7I#CL= -L]UD5VAVUV6#!O&^T%,C-OM</"GFZV(\^[+=LSF6;O
M?[#5D[(:7Y2PN-N2=5V)[=U&I2JW[KCS/2C:J\C/0IZ*:[):I+B4YG>"(2:\
MDHJ RM]B4<&,53@I,EYAFMM5Q)F%;Z,5-:603A-OM&L95*WH=QM=L$+[T24'
MEB'^\\RFF9KZ>6;(8Q.HO00GI7NN0">%*JH^V"^HRU#HA/"G06?%W),ZGH?G
M677[K-/P<J.8E[A]*.\?9*>;U"91EK3A[%6&&*=5#BL188AR+$U$$A4P3<HD
MSHDH:&34[.+\\($-0T7(/$KTC/3#ZG2Z3'9ZKZ,%%#&'A(8S IH'N4X3U"V$
M]4A@/R&IE\48"#@]\])LX:27&>X'BPX\Y;VNHNHJ<4=^B/H3>=;U.^(RKK"(
M$(SS$D&4L0C*TR.%*,U3Q*.$4&H5@V9!.[ ".=0&Y/W:@,NFY\J._ "/#1\.
M+1UL$#8SZP+A9J>D+I13;-O4:!Y R\0L)10O21Z^?N()Y9^E>.(E2"PJ)UX<
MPC'P?+E6X>W:I/E F+Z4_8/\6#X\'>+YWI)'^<GN>9&(@B"I<B!+1"Q-DIA
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M%*$D1U9^11OBH6-7MN)A6;<M3O9\7*D"-':*U I0,U49"B8[9?BB?\(Q4.#
M"O@:I!ZY"PB>U)@5Z5D5E0LH+U61TQANRN;]P^-J\RS$%[']OF1"U\S29?_[
M-R-2I[4&Z <I[_L?\F0O%^9MI<MLW>IP_'HA\D00''$H$B0MPBAC$)>B@#B7
M)W&.HKA,C4(;O',66$VI,U1[F 3JZR"-O88+91WJ&UO09"Q8YI;ZFQDSE?8J
M>-OI.\U3VY7B4^N*OMYN53.U9FMXWX/^MLT04O/3\NQ/]7D'RY->],?7K$K3
M.YPO-:I_ F[J]F[Y(-KLA#_([FG;5!:KI-I1X68?I-&YP&61I2A/85(P+D_6
M40XQBQG,2H(B'"4\SJSTZ#C)P I2TP*5.JD]JU [.S5H@)B9?O.+@YWB4K2[
MY!UPH'X%B,9&1UPK#OPI*'-I/6D> X*SJA1S %[J"HLW_95MJO?U/]J$7EJ(
MM"*I/,F1*E5J@$ JU0),BSS.6"PX(U85@TV(!E8$APH^_0(^]:$PS_1J2B<P
MFND&W^#8:8=^9:-#D:+13'(OE8@N21FPGM )R5>O"G0)!)/:/A??==,-YRV3
MGI'[YOGP2&L#7_]-MKRU3WZ3#^[JFW63+OW;=E/7"U)E$2&8P1Q'A50E*862
M=@'33&252*HL2V,;51* Q\":IR4,OBG*C6_^L2DFX%RN/,1$F2FK5X;?_<AV
M%+C:XQ?09W#V:*>8OFH/<JK^D&9<35[#NOJ+9-Z?@@R(K"=]&H+#6=5O0(A?
M:NN0I%SC5NCNB]HN&I/R.UFN5#FX#YOM%[+254&7ZZ?-4_W/]5:0E:I9K^X9
M/BE+5#(4)W_()^[KVZU*K)6VC3PGBCP6E?R:9!0BG#)8YEQ:C%*KQRD3982L
M]+I?]@*K]/?U;OG0=%O;FT^VL1Q>9\-,>;\>QG9Z6_$)#HQ>@3VKL-ILH6+V
M"AS8!0=^@6(8=!Q?@3@!#=.J_5##ML\(DQ!P>@M(\<K<S/$K(8 ]#7<)0L5-
M.]^LF:12R[-_\]^;M;X2OGW4[;#6WWJ] !8DIIBPBD-*I"&-*J&* :4$5I1F
M">5"L-0J_,6"=F"]VG$"?N$M+[\JBVNCXRY6!S;L=*T-MCR.);9E 04E*K0(
M4UBF)(4XB0@N$UXQD9N%V0=&URG4_O7Q-=NH F%FMPL=P'K7!ZL) MJS GXW
M@,UZ:W$ P-.^84-YUDW! 9*7&M]E"/NLG@_+-5DS.=QGP<12UUR^7O/;JGI#
M5JJC])=[(7;O?[#5$Y</73.V?5(QETVT7A/'<[U:;?Y6S\K-Z.U6\.5.;3TJ
MD/W+9L47E&&:QZB"!<(51$F9R*V )[!B&4E1FB&4)Z;YQ<&Y#1T2J7,N:DG(
M/%<E_ P-J[F?#G=+EW''.CCP#B3S0'(/6_:!YE]=BK<2@%8$T,EP!=J")WLQ
MP ?5(U0+HNWX*YV0!+[\9'-KGKWT4\VQ6\[3SS375BE3LV$_D&@5GH?9TK-F
M@[.?U#4?4?<:C7=MC;D%+5),1)K!*(DSB.)8GLH25:<UJP07%..*$KN30W_X
MX$>#0UU&NMEN-W]+0"V/ 4=HL"*B$4$81CQ)(,JB3*)1Y+!(2Y)QD9 TM[I!
M=L7"M4*EHC5!?+-CCJM0=MOU<?U)OR4G7W+OL=3D?NC92TR^%.I<:<F39^PT
MB&!\\6E=JT+2]:?M]LMW]K;>M5$#!JMBX/7 B^.3RDY0-VBZ G830O%INY2;
M>1O=!MYN:L,0^2$0AA>0)_GMUI&9Z!Y#)PRD'"C8)=]NEQKCAQ4V-.8L"\U
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MRP*^7&X#3[HMO%Z/U.LU[Q>D:$)^%ICR0L2(PSPCD5R&50HIYQ5,12(HQJ1
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MK[8/:@5)DDI7/>""5P&>Z_SQB6_*.JTPY0&-289A&%+I=3.!8<92#V:$\"!
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M&]2WO*+;'5Y/7LSR<A4KWVQ92@>U)QT7F)1[NG2;5>"_N63?W+N6:B2.XCB
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M=?IC7APN B[#.*2,^PCR2)FS<@G"3&0)]#.4,LZ3D)GU173#UL1+N0XQ5TU
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MR *(N$ 08Q["@(H$)X@(A+7CAD:4ITZ&JNFVEP=-2N&8P#<<5)P,%#.=H=@
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M_8VWOZD<R.KBH9=10HE'H.]E""*&.$QI0B!.$KGP4\P]HG59R#%?$RN(/:>
M5"$EN7,^ULR"LN46M%>) =O)[58R#'SH!_L?Z]LM+N=KV%2\T"P8QOWV$U#'
M]&XWH.$3[!EM WTED*P"Q:O*! )W.:C9/?S^9M/> +W,I.@;EQ>:'#MCTW*5
M2"^VNH%=3]+^]_7];,6Y(\MT BQ[+%67U&:S7"> J&O)3C&\^79X)U_Q<_%>
MY3JHN.IF6ZS(3GWIG^7GO"0^\@7.L-3=:0Q1$F.8!3R&?H1PQ F+,U\K5#E,
M:NK,,OD \-5Q%ZOIMV6K .TP G[:/<GEIWG,I8'?\([C#A6S3>0 2$,:=&D#
M1=P9"OHJWAT:=EI[#"I&^E=/T!Z5.C# ;%I23Y"NXM-\P\Y+5R<W=0D"3A\V
MJ[]V7+D/*K->7>2IJ\^WK3)I0%C"8HA#)'4;\R*8$H1A[*41HSC.4E^K *@Y
MZ8EUW9X1L.=D 0Z\'!HCF+GW!M#J.?O3 &:F!K6QFB EUUQ^1X$! \*SA@G,
M 7D=-+ 8P4[/W!;W>+/Z[XJ65&%EOEZQ^CAZPS[+[ZW=>6[%_IK_O@_&H0!&
M'*>$T32 4:J"A5Y&X?]?WM?VQHTK:WZ_OX+ 7NQF /,<2:0DZBQP 3M.Y@9(
MXFSBV8/%?&CPU=89N]LCM9/X_OHE*76W;'>K28F2/;L?9N(X+575PV:Q6"P^
MQ6C.]$\B)B+F/"F\2G>#:#6Q=^KJ> (>:6F+,;MZFH5XQZ:Q4W5P9YLPP^;F
MWF8?##_/-]<X>+O%H+@%\IAA=)K5F0:%\:F?#?ORD6W0/^F=]'UEW_W/<GW]
MVW+%:EE9NJFF8;.IE=4ZW)2;RMG[JFHVWF5MBV!_I:4].?K0UOY_6-JJ6%-F
M5,EKN:S+[[+)1YM/+7"2T*B("LCR/(98"0Y)5D0PX@E*4:X==^S%PO!BEDQ_
ME-1<I2BU![&U\[RK1\LO/;"M^^RC[N;U_Q)CZ;=2=%O2=ZP"/[19H&M7V[ >
M/+;,WL5H; /6N)/F0L4), :"-T;Y7T#WN]+<LWADYX8BN_ET0+:LEQZN4#1;
M+V;'O/Q<+SU<SXB]7ERA@;<TC'Q[+>3BQU**SZOU5TE%>?/PB59_R+51NRF?
M6.0J5HPS"B.1Y(8@0$%6B,+\3S&28)K$7@0!SI*GWH=8)],T#/,XD_0'T&W=
MF 06WW/%C0K Z@"T$J#5 NS4.!E2C^9_'< 7CU"%_,YRYRW!]X7C6?&\]PL&
MMN24:Y-H^5*MOI?:B9T]_%8;5[:E@CW=MI]<()IR3AB#/#,%LXSGD)A>3'F2
M42%BP42>+BP7M9MG<1?MY5JV"CA/)*T(L'TE[UI5S"V<-_>UC6Y^Z1!K[WIQ
M>K;B= ?9S?M, YV?^S&HV73KERYJOVU0V[%7GQY'S;\?IS< H1IRN@N>MR.G
M-R#/6G+ZOV%\_Y/=9< T%Y)Q'.FM><P@1BJ&14X9S*00(LHBF6=><<M>*1/'
M*#M64[:JJM4/0PD[O'F)[T7)T1;[S?^GK4>FN&38:]($_41>Z,)>KYE]W4#"
M77[[*J]*D^9;KC_36[D@$F,]&5.8130VQ*4$$B4$S&/!%5&$2N)YY^VQ@(DG
M8GO1:R<3&*&^]]N>8-(_"T-8ZC<!/8T<<(5MOR4C;JX]>>',%];VF_/\GMJ!
MS_E-+<F%80V\7'U>+;_(U6>Y,IF!]\M=B;W#]#GZDHGGT8[VT%0Y:B7@EW<7
MX+/^[]$%]O>KU7JY6CM.L./(],^TH*#X33E// +?27 VO&>&ZG>TBR(7NQEZ
M_,VS3%5G S=SUOV!H>1]_(;6];91RL7]^D*=<GY_>V\;:A[*^%FBVBQ'*,\0
M@5E!,<0<99!BR]Q)"ZD8)H@B/XJ_X<I,[">>J@96][;O:$>[OE."(:3!HX;&
M+:">"W _'S0MU@.("L>#%(S.<(0J,Y,>C@?M.35B@'>.:M6.VW)"B1,5*R0A
M*^(48HHQ)(G>RJ,L$H7>0)#(O0K]^>LG=F5&T*!.YGA(J_8!-OEYBV[G<CRN
M53L>TZI]@*'C6[4[&#RT53L>TJH=OV"K=NS4JOWIIX;V+U*RJJ2P-42&U4ZC
M>K.](-IV46X[+2\4I7&B.(94$0*Q5!0R)".8R$SR7'*L(B=O,43XQ+[$JN#;
MR,@#.K<P9BI _!S11HNF'+'A\32*=)JI;UJI@S>M-@$+1X: $*PUDH?HF7LF
M^8/RO)G2@'<,2*488K ]'(*N293]CT\\_W<I<4!K$Z/O./D\4B4'+'=(DHPW
MVC,]8@1.13SH8-&PO,>!=\Z7\>@WZE&NX\A'1U;F-I5/'^5W>9-L8OF"9B(O
M&,PR'<9CTVJ54D0A8FD>(2:10'[-N@_+FOIPSHCZ[_\MSJ+_F31_#*QDW8.2
MVT(<R':_.=FM!FWDG@ K&203W)%R,#%T!>4>22]3XWC8Y(-5B#V/^._$][1O
M[M(OO=6+=+DVM8BFM/&[K!XNJO+*T%-+<?EC9;J=U&=2K2KY]EXOZ,OU^[+6
M2[GY_2*)TK1 &.G-?*ST_W(%BT()B)F,XD3H?0-UYLJ;3LV)'4@KSS [E"L!
MJD:]7>L>Y+ZKGG"HCJ<?7L< >'JQ;3713ND3\)@AKE'<DO U_02,[B=@ISW0
MZMNAJD%C -@,:6."_;=7,8CN*9;7,9C#4C6O8%"]TC_38]V31II0^&SIJ.D!
M[*:U9I#FN4A7Z\4W>64FRJ]R=571N^M2O_%\=4O+Y0*ED4P2%D&52[VRJDQ'
MVB*-(8XRQG&,]/I+G=;8/BD3+Y%=@>#W1J1KLKD7G".K6BB3_18E/VO=78V+
M-7U1M'Y!)X+6?]M%S_WOGL<1N)BWG<=.'YXP5M[YA-WT;[S"1_W+NKMH(Q1%
ME(D42ID7$!=%# LL,YBE(B<4Q6F:JL527ED'$SA6=E?3:3H4S71XIJSSU-A/
MD%P#^FAQ;\A[V_ YF2#R\AB]@'%SX,&8)&!^_S2VZD14G<!I$U,UBD\<)WN,
MU@0!\C2C-DUD/-WH31,0^V,;(A+VD/KZ0F!_R ;%O@/$#+S!:MI6V88/XOS>
MW*1MVKK8--AG^</^2[V(A$(LPP74[X@@%BR').,Y1"3)8Q85BC,ODB\GJ1,'
MQ4:(G;4K90@5;O5B:+MS^=Y@=0+0+1,='!:_Q<F*;UJN"- HL.UCU::JM1;-
M!P)>&O.R.M3]5">9\]Y-]8'AV;U4KX>#!.8V<ORPU&Z+:3=D9I)Q1WJ+?MAW
M/<^H,8H$0P6!1<+UGIH0!&G*$(QSDC+"E%#<N29M(ATG=D.7YF+L@<XEEK%8
M[90/$I('&;=!8?G<HQ$B-&^&X8.Y//!T&+3BW0COY%&(QZ;)9 <9O%%1^MR#
M&#)2GW$PQP;L(6'V"]J#2'[)P#TD=$>"]Z"BA@7PCWCCGK:<DE&<*U0(B!)4
M0,PQ@P7+&*2)2O."9HHIXA.W]PF;^IBW*]HO1.^%R"TR#V6XWY+T2.H\A#$N
MA@:*P7M%S1IZNQC]-.)V>L:_H/*KWMRW#(^FELQ>BW(LIMSSZ,1SLB,1G$O#
ML-"V5;=EAO]P+Z;<9W7_Q Q@L-]<[+<UV/VM(W8-*J7<][[9RBA[C.F64/9]
MS'^[>B[U/_QY+_5R+>O3NFWP0:_DA6J7[*^R[0JS6ZD_+/=46"4)2B@G,"?$
M-!F.A+DLFD%,BQCA."MXZEQA%4JIB2?U5LUUWZZTVJAJ2JCIIJV.:7"^4D[/
MM7%W[+X="C:HQS>O+S%4?N[HD8;@M 8['<&%VNUTON[P[AQ&Z'\8M3,--A3N
M6]&7&))A>\]9A\9KGQD:PYZ-93!1L^TD0X/3W3H&?[<_GU#+7/@0)^RR7-_(
MA<QP1)#,8)0D$<0J22!3^J\8X5PQ%"F4.14V[7OYU#E3(\,L-''RAOT"-M+=
MB82>@=&_)(PUT<^U^UKGQ2!TR(Q![$'/7C8;<] A,[JL00<_,S318LX([4%+
M<],+1UF<$B4A9VD*<4',S?HLAID2J!"*<XR\;L@^%3!Y0J4Y\S3R3L"=CL6^
MVRMQ_Q[]+8E,0-<<AYZ ^&]QD@)6WMR4VS-20._7UZNJ_"\I_@$PCOZ6@=OV
M ^8**4;D;\GV-^TCI3V>.M$A8'TG#6NAO'&<L@>'@)$LY2Q6D&;*U':E%!:I
M2*!"2 I!HSB+^.*[K-AJCD'H"OK_:AA<<VC#H?7-FUE,OS68;FY96;M#9LKV
MFQ,L._;D]3-GQ/8;]SP+=N!S_@'*>1MLOR_U^V[7[ZIJ5;U=Z0"(F^C[_0V]
M6J"($ID) 5F6*8@-:Q-1IN63*F229 IGD=/58S=Q4^^S6P7VM00"5AVPTP?\
M;C1RK-EV1/-XS!,6(\\-;DAXO$(D=ZL'!4T.KY\MC'(WM1M8>3PUH)5N95M
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MCS)!**4$2H+-EA]ED&18NZ<,T8@1'=-'7JY^CXRIR\!D92;#V3] \K?T4;>
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MU]<$_>,$[%\4?$8S7C E(,(1A;C0/Q'.)4S3K, J8RD7T:)IU/-M3:OU:QJ
M]KO_5+OQ@W "F+PJEY:YC=$;]\+8<.."99)F3'NCS)!TX8(FD&!!H&(9P;0@
M,15Y.R[OEJ]J6CP:E8UN(<:D;9#\0@,B<!0E"2=Z94B%WG;$,209DWKOD<4T
MQ40R2K>G0V9Y>TUC\N2L:*N>QUG1OMLM-:!/ANLE7!@N!(^PBJ%*> HQ(GJJ
M1%D!DY3H06-%3A3SVQ#..E$&[?8>3Q-N%6KA-WT,FEIS<_IT8S@^9Q\2M_W<
MK##[;=;V5R$\1KW1#Q@%S8ZL51&T.FXY0(,R'8?!*QS9\4A]YN8[#@/?'LKC
M0"\>2]5F[^P_YFS:4CDM6(YP'$D!]6J509R1'!*68LBYBG(=@2,>DP'U#6[2
MYREIF(ZXK1=9-W<7$*BQQ&TM1[LC:=M6MPF)VUP@"4[<UBOTA8C;7( X3-SF
M]/30ZT??9=ODRY"RG"Y;0LIODK<]X4Y9;9N&+S#C*":,0XF%WE0*'9'I?6:B
M?T*QPJF,\]BS5Y2KZ,F+:+>*G #+_F-BK)8(8Z<-^'VCC^/]^ $8N_F<:9#S
M\SL!01MPB\G7_F!7F9P%SWR?R1>0YY>:O-\PS.'H(&EUOS3+T;>U_L;02M2_
MW0D=&211G,6HI8L@+$(L%A+2+(T@YHI EG .<QZI/$:4H-RK=XV3U*E3LUL=
MP%8)T&@!C!HP1GY^Q0U*-Y<2'" _;^* 3<"VDX.,#N1"W&3.ZCV\8'CJ./P>
MGJ@"H3YR5/680WM#AG;Z75;T2F[.L;Y4)9<+A/*4DH) &7,=VVA7 PNA8DB)
MP@SE+.?*JP?UC+I/[+^Z713$ZN;&]+2^T[L+VU$A=$.%@",:J SA9<8I?#5"
M[5J.\+1SP@G8L0@V5FTK%H"U:\;:A/"#,5>)0D#-7U>E0O@A\2Y8F$"%H;D[
M52Z-FJ88@MT;X>8J^KO;NYO5@ZS,7=I*FM_2ZJ'[H=-;LY8N,B2H3*,,$ADK
MB W5,A,Y@50@G!:$Y0GR;+\P1IVI;PZT6@#>D6S:.-[[Y_5&H>Z:[YL+2]\\
MH-4+=&5:_H,3L$7XD7*//WG:C_> '& (F(+E!D<I,W/., 1PSW.)0=[ZVMJ?
MO5]52I9K<^;2-M#*9<)HK+UFRB@V2<H8%HHK&%&>9%D>19PG?F5',VH_>8'2
M6W-X=?,Z.Z$]'\M @?O,X_/*^Z%MC?IKM40[.!8O75H\0//7%;>''Y+Y>J,=
M5L&?9N8379M,]T,2X61#6JQ7$J1B"5&L$,0HBR A40Y%QBG"2$DBG5BT]K]^
MXKC:"')G)]EC?;_['6^3GX?<R )&V "BZGW#ZTRL,L[0890IG@9[$:$<MJ>'
MXF3/0[.1EQQ6N$M+TO.I<6W-3KGV1'5IW=;/LE[0*,D83W18*:G>H$>"09)3
M#K-<91SE,L9<#>EI]D3.Q!YBV]BK(Q;\;@1['G ?@LDM@ M@O)\K&6+WX-YE
M!ZP*W+CLJ907Z5IVP-1#+<L.?7SLO?[WY5*'!!_+[[843P]\:4KW;-^;)[?(
M)<<BB64$$ZGG,I:*&-H- K,H9T@4!<UCO[,>?QTFGN+=F_L6[ZJI86TU.M;!
M/AC2CENY:?'SW))UH&O4@5:?Y_#-=#/?&Y/@5_'=-7BAN_?>$!V^;.__JH'U
M,'MKBF6'0)92C4DL!*2Y(!"3.((%U:XJI2Q.>,1(++RXOX]*G+H.YE"]O6PN
M-_RV5/=+H2>:;;5BNB.5ZP&\O<>!=7-*0>'R<T%]2$W#N^ML;*AJF*/RYJV$
M<37_616,\X-!^&_WB]/_OOHNJX>+JKPRO6"-YWI[7U5Z[KPO:TYO3..5!8\1
MXC06D!%20)PAO7>AA=G%\"0F4:[_5;I=K JOG,]4&G3#JI4(FGN,H&J4*LU%
M1-^N-(&'Y7BVY>6@]O-:WK>L-OJ>@)W&AA!V,UB-TG: 7FQX1I'PSC1,(:EY
M)QZNL;2] 1#U(_,=(_ E*7X# '6$^#>$A(%]VW9*;"_'[&CJSTO5LG:>R?4/
M*9=O:54]:-7MYTP/G\TS"TE0JF3&8<P+!K'(4DBRA, D+T1"1$YC]]Z7(16;
M.!!O+GM?RQO;KPJ4VRL )^:&W0D06T4]&XB%&I?C:^)+H>VW(C9 =]VK$=H0
M.H&=JB=@IRQHM04;==M/V\YNVX=?:%P\V[R]P/B,:?KF-4X!F[L%ANE8J[=0
MXN9M_!88I&=MX$*_WW]E,]>O=D?>3XI4/Y9*3[^T4 JI%$IL6C4G0L(BQ01F
M><PHQ046N5-YJ).TB=>@9R7E1J9)N;Z]H>:$QF:$FI_/P.?56M:V=NE!1P\^
M7>R/@WI\K0D*E=\"8N]7[F3OJ<0W\D/"X>[B@\(RS&^/A,?+53N;V^-_C[]C
M-J?J;$[74[H_Y.?^)!>+\^]"U!?5Q?JZ>E<MK^HOXF+Y[L_UP^F/2M2?U^;W
M/^JOZH:O]8[B<GUC2HK,SN-[)?Y/U19V./B^0*(F]H[;G@2&6;ZIYGM'*\-@
M5H,OM!2&%:BM^[,%4S58KM;-!W^8:SE?I;J1O"WV:[AD'U47VKV]V:?I3[BG
M5T(-4[_+?8$1\G3*,P].P!J@P-CVM"+0DMIS "YVZ?]0\F=QDX'!VCC2T*\=
M=OSX>:6_L(_[F39]3#<$(Z6L%R+),R:3&.:1S""6'$.29Q2RB&#"BSB-(J]R
M)Q>A4WO61F -H)Z52[A1![)&'[^C1B<0W4X;0T/CY](ZTG==B1OYH*- N/-&
M'W,#'3DZB9SUU-$'A*<'CU[/CB)AIC>V^D'OP;[0>GU^+]M5/(TP12RG,"5Y
M G&,,&1<[T9S*5G$XCQ-N%.733=Q,Z1$@9#ZPW_>VYT$;W+6@Z@6#R'&,HFY
MR$73X0#G"8<D4CG,&8GTMQ6GL>L);'C,QIRJ!@7)S5V&,WS0&:<.V5K2-2T:
M&-E "Y^ J<3-SK ,D(>$O02]XQ'##W W'GMJF#_L>-8].<(ME5=2")H2B6$F
M# &Z2B)(LX1"'J=QC&+!<X1\_**;V*G]XTZ)?_A-=T?4W*9]>"P\#W1V\@^<
M$4S">^9G=B!OX"AT5J_@!\13[^#Y],!Z=%M6=/:XF>3V7EE$F<@8C++"T//C
M##*%%=1>(<HC1'"6>NVG>F1-[ \:R>#L:8]4SXKR'JS<'$(@!/R\P"'C)UC_
M'>P+5>W=(VG>JN[C)C^KWG9XQ+]IZWE[)K&K6WFO?U,O2$Y5JB@WO62DWOBD
M"A(B<JB(O32:,I4Z;7QZ9$R=!&FE=DNV@!7LWK+U$#K]\S:0S9X)6W]SO1JV
M'C%H4,/60^^<K6'K$:.Z#5N/?7380GI92:K7Y0<[F9N#]O8BT]M5O?XDU]<K
ML4AC/=E2B2 CIH(+9QFDA".(1!$EF<KC@D<^*ZJ+T(DGYX;>P1P#F(R$J:8S
M!^-\=7N[6C;=W?V662<DW=;;T/CX3>2-]&:Y/6F"[Y/M!;<38)0 C1;AUF ?
MFP,MQDXB9UV5?4!XNCQ[/3N4SIP;(?)<-G]^6.I=_^7JJ[PQ):A?:&53\8@3
M(F6$88X,DWG$$*3Z5S"6"B$IE,A\FXTZR9T\#[>1;@X4[^B#O90H]+9TO0*R
M:5>^OJ9K4-: @OJ>U:4H:>-4/M/OI7<&SPUL-X<2'$ _C[(1#]YL%/C%@'C>
M@-=J 5HU0A*9>U@=C,/<1>;,].4>,#QG+O=Y>"B?8[?@Y3.]E>>K6UHN%SG!
M.4-Z)Y_3(M$[^8)#&NF-0"9CFB9IIC+$_)@:]PN:_#3T20&5D0Q^;V1[DD$<
MQ,K-$81 P'-;,,SX 92(_98%(SL\(&9F&L-^8Y\3%![Y_,#;U?;"]IXLWP*A
M5*9)E,.4F+Y)-,XAQ4+!.$\0005&DO+%VKWEWT%)7E/7OX>?+1SRO!E]$)2"
M8(+RM(!)CE(=&.F?B-X_024()Q&BJ<#4+S * LOPUNFA@''S74&,]7->C<@#
MAQ ![X4?LRS4??"#<N:]!W[,W&?WOX\^,.&][T,-Z/Y9E6NY4JK_9BO+9,I8
M1"&S#0^4:2!'6 915&"J@YA<IIE' [GY-'>:5*.;SSVY,7YEFF\!?DVK*PFU
MAE->'!\WKOTNZY4-TTNW\SP!&UM>YA+ZN*&>X'+Z;$,^TZ7UJ8=^F@OM048A
MQ$7W<8J\O@OP08 ==#$^C.3AIYA?-AW<S[6,11PIQ7&,H)*Q@#@K!&1(;XKT
M'@!'/"<\5[GO&>8C"7.=8#9"@98*C%C_\\O'N+B?7@ZV=N#9I:NA@TXN]QHS
MZMSR\1MG/[7<:]"^,\O]'PP3M"O]Q=[O#':3_7WY79H97I])O7;)YVM\D6<8
M8\*AH#F'.(X$+#"F,,8JQXG>F.?4J9QP2B6G/A&U_7 E>"?N>7-%RE[9;MDJ
M;!B>C8O-@HS4L,![;OQ#A-K4*-T7=77B*:.[':,:--J'CZR#C-ZX6'KN40P9
M/<\WFJ.#Y9 P>X;'042_:$ <$KQC(7!06:^M^]#GE65,DN+SO2U5I9%@1.B%
M.98(0TP2U>34HE0I10E*]0J^:/)(W]:T6KMET&?3W\?O/+7"V?6<23WJYHXT
M8/3&NIE7V(KHZ<!F.2:IPAG,,<\ACHH8DHA0*%*N1%I(F8F\'5@=0?[EAW5C
M@_.@Z@?^8B/J=I[S*L?(+W";K['4UB3]HS7JK]!6ZL XO/JF4D_U_G^DI=2!
MX9BOH=0A!0;>G-Z<!YX]V -"RV-E.Z-P'N<DH0+FBIH*1+VLL#S)8:1XS+-(
MAPY,>%V:/B1IXBVY%=;R<PWI'',8(3</'<3N 2?N;B;[7_,]9DZH&[X'Y<Q[
MN?>8N<_N]1Y]P#]C]T7J<=8[Z"MYH6P^Z</RJ[QKG,;C3<I%]4GO3SI;E8_Z
M7^IN\D!)%LLDIU#R(H(X+W)8*$9A+&(B:$PE4\X-XP+J-75>;JNI*24^D*4S
MY;351G__;%W(43J>H'LA[/T<40?V"]6"_&$)ONY ?IJPN:B T?9QXJ91>%@6
M+N2HN"?>7FATAN7:YA\EK^S:!%CV)-1"2ILMAS8!1-VTV12O]Z==U#%QJ3]Y
M65%[-EU5'\NE_+"6M\<BL?Z'I_-^K4S0"NWN9W5<9A0 5H- ;'G'31Q$@M?S
MVMFX[8Z;UJ6L<_CT6,[C#W5];Q)).I+0_]M.CP73016+]:9)%:DI5F ,,BD%
M9&F:I;3(]6^=:?J=)$X<-VVD@CLC=BA[[R&TCD<YP3'P+&EX>N]BBX=5X03L
ME B-S5!VXP 8!6(X'H#5")KC(W8[4QT?>L\+T1T?,>LPY?&Q!P?>="]O9<O>
MUW8R+F5MUO5+#;!<Q%G"),MBF%*50RQ% BE1"!:4T"3'.8\)];KCWBMNZL21
M/6Q>_U@U5.[FEN7:B&W^ZGFOO1\WMTQ2.#3\O*"1N^78W$EN=\A6>, K[$Y&
MAKJ\WB]LWFOK3H8_N[#N]I1_O//MTUF;)MEF24SH?UG=UVN#X_L-MZ;,$AX)
M"CDM=,03YQDD&4E@C!.5%#E',HY=(QY'F1//>R,)O@>G9]],Y+ZL*3>*N*_O
MKL@=CWXFP,/S:.[3V8%D&;!*@!:KHVQ2@T%R#X,F &M8(.0(6I@@R-/JGC#(
M]4VS!4*>IG5#(=]'A]+^-!M,[1^^E^N'LX=+_1Y[,H03K,Q&$'(I&<0I22$3
MK-![08P2%A4DSIR2[$<E3>P*MYF+5O"@ [3#,#F&/2&,]XQX/.T>0-1SQ*9@
M[#R'Y,Q,R7/$W.<\/,<>&'R*=J%:U]!F,H7\*<7EZN.'LXNO%]6WB_=?%SS)
M(A3E'"*4IQ 7.864F<;FB?Y91'&N]S2>9V3'I<YS F:.O^[:Q>FF/?2RNICM
MC=7&M HQ^G@?L3@ ZWRL%1:N08=6W8/"C_N1NI@.*>^CIK"(C3I("H#<D ,B
M=P2.'_\XO&ONPQUW\_8<W7@\'.9"T>.;@YM#(OUE>OHKU[/7F,@<<YY!JF@$
M,>4Q+%B:0((CPO)<,N'6PV$NA:>.S&PS)MI>%-[TUS!EDJN=ZN![:9-^86X>
M!1_2XZO!:QLHOX7DP WP9Y>[.S;L^>WFS'WUZ,R=C:^,F&6,Q]U5>LFQ#GKK
M_X7&?/0MIJD&P/-&4W U7O1VTU2@'KOI-)G<8>F3M[):EZKDYJT7JDUBGZX?
M-2Q>)"QA1 D%DRQC$&<T@XSF#-)"Q2H6D<HRKQ,E%Z$3+]WO[VU#1M/$J3E2
M^5&NK\'Z6H+W7\_\4BM.$+IE64(#X[=4=J6;[4,K_P30]9/V\N%R,#X6!TK'
M.(F<-3/C \+3)(W7L_[;BH^KY=6EK&[-N7:'MLRUO_DBIEG.6*$@QX8U+,D2
M2%/]$\T+I1*D_\B<:W%&ZC*Q1S':0?W<+6"KJEK],/U=3X#8JN<>$X[%_'A(
M/R.2?B[(@F@T T:U+EWA"=CI!UH%GW@EH'7L/#$?X.[Q]8S #PN=9QD KX@X
M$&0]P>Y8";/%L8&@Z(:HH5XYG&C*'N^7YDOZ52]>U7I!4BH$UPL%8R(RC4(%
M9%EJ;E$SS@B.HL2M(5Z?D(G7@BT+TTXN: 3[$TX]PZ??O8>RVL]O#S!X$/'4
M(8M&<4\]>^GL]%.'S-K'0'7PLP-I+_BU%/<W\D+]MJPD7UTMR_^2XI+^/)-+
MJ<IU_75U<_-^59EKL9=F!WLI?Z[/M %_+'3\%M%43T^L_X 8Z1TAXRJ"69YC
MQA3E7"9>[>D&JS+Q=/YV?WO;-L!X>VUN#]A;:ETE@=82;-3T)#,8/@!NF\IY
M8/7S%QN=#*0'<01&,=!J!GZWN@&C'+#:A6R;-QJB4$P PQ69]VK_:,">W=4?
M_\8)J;-W23E;TMG+#(:IRB0C*<QE8AJ=2P4)SPH8$TPB'L5I+,E41-D>>CI-
M[M&TV(=N^=)']&$W6O5M+3.>@#?99_R&G8C-,AR3T%^_[^%OLVI/3,<W>L F
MH+6>:."F(;&>< "GH:L>@&X(<FH?L:^/BGH :(.(IX?(&;;U>*>4-+6%\L.2
MKVZE7NN_:K%:/XU:>5/:2:)_V:A6+W)%1):F%$JA#+-MSB%+8PHY3V*"LB)E
M*?-85X=I,<^J>79?ETMI&D@T4OUV%)ZXNNTB)H!IT&JVU0,TBM@=@U$%/-;E
MQ/Y#H\[VVF.X'<,P. +M$CR%S[HS& ;,T]W P+<,;/YUNZK6Y7_9ES;=1?_7
M/;TI52G%J=*.3QAG^9\K,R>OOE2K?VG-/ECZ+TLBL,")I%F2(AC%-(>8T1C2
M.(I@FE,>IRJ/A. ^:9!QZLQ2\L8W:?_O-NVO-_$?/_SGY5M0[O3P[*@U;@C<
M7-A\P/JYM)T0[:BJE4GJ:0TUS%V%VS;%)^#=C=;+L"?J?[T/Z=+"P!.JP=<X
M9>;M A8$N&>MPL*\=20C8=.P['0I/I:4:<]K;K9^LNV9I;A8:H>L8T)S1V0I
M/J],WJ;YZQFMR]IF:1:YX!(AD<*,QA)BTSZ$<$Q@*B5)&5.1BIQ*AH-K-G6!
M4>?@=*L,H$L!NNJT6<VA;(BC1\?-<;X(YIY)CC!P#V=B# 5-:.;&T7J]#--C
M*#@/,D,&$^!_\OW.]EAO=]/-(9Y^];<U7=_7"RY83FF20DH8ACB)<U@4.J14
M"JD"$2P$<S[][A,TL?MK1&]S35OAH)'N?@S>"];QH_!0$'AN4@=:[W4F[F+:
MH'/QWA?/=C;N8E[W?-SI\\.BH:]R3<NE%.]H95H2U"TM DHCH832VST4IQ K
MG$*F6 9)C E):$Q4XE3;V"]FXHFZ$0HV4OU"D0/0N,45XPWVFY;/;#W.F>$=
M$/3;%&AU/R!DUJ6ZW]"GZ^Z13[^*KL=NEZF8B-,TRA'D2 F(!4>0)(6 *)4)
MBX4JHFRRX]W MLR3S';LC#SR8N0L8Q_P:/@EAO*5=D^>AG/ZQ;XD+]IE^77?
MP'QM7YJ7[L8\Y77-651[?<?D$X$_<0_G*:]ZNG!QO=LPO14HC8L\@2@V?9Y1
M@2&)] X'DU0D:<ICAIP)'AQE3KR_L3QO[Z8C$GP7C$AP !Y^*[D;)]Z["8@$
MWP4G$AP UI1$@N_F(1)\%XQ(\-UK(Q)\-YQ(\.FC_N[Q].SME[/MK<U->D<F
M69'0'"*>,HBC-(64L@32F*6%2$B*(K7X+BNV<O&&^T3X?'N[@MR_O"9OK8.E
MK6#PGIKZB?6#^]S>BPV+21JC(H+(< !A_3=(&<TT0%E29)%2##G5/(1 9LCA
M7/E3"EB9.;V[K#L2DN,+P%A#_;R]D;8;>(=4EYN9[BY\K+G#_+6WV5X.NL^F
M'F^\]['97&^?TET_V_NY@74$ST/E^MV?]_3F<O5K)?7\LTT5B^B</M1?:+T^
MOY<;[XLYS1DM(*.F23*F'#+!38LTFA1%Q+-<>U^?NH&AFDSLBFPD(:3^\)_W
M)DM61$!H%0SKT%6C%[C3Z@#A>J%]//24YA3G>003EMD++#ED*(EARO*8)HH1
M7$1N"]^LX ]:(37<YRW<K2; * #.YX/;[:QD%@@'909-H9HY3+<=@/5?UJLN
MFK;Y[P;E#;03G+N,QB=4X<5@/>8MM!@+U[/"BM$O#',&M!072ITU'<:_74NY
M[J9C3 ]@^55J3U'3&^WG]"(BLPS*F.@E1BD"69Q$,)8B482Q..7,/< ?I\SD
MCJZ5!]Y4K<1?@-K.WVJKLBV96BD%-TW::Z/VN*R[QY ,.V"9!N;QQR26#T6K
M!EO=@%7NY&GFNQV8C8Z_S(;VN).*:5 /=]X0&OW1AP7^@'FF_#T$O&CBWA^(
M8^GW 6\,MJ'YM!*V*ON?LKRZ7DMQJ@71*VE8=3XLN5[[:OE>0])\K$E?+6(I
M<R0C"G.1%'IWDRM(693#A,>JH$E,(NG4L">L6I-G73:3M.H<"MZV>IZ 'ZVF
M@#:J LNF5K;*VC/#VXZVH^/S(0,W.%B?>#A"G.E_VH[$1DG0:@DL(]B'[4AH
M1<$GEZ$($<:/0&ZZF'Z(4B\=X(\ TB':'_/VH669];HJS66H;^L5_^.WI6$)
M^?9;NZTN.%$L9J8FDXNF.I/2N(!YSA&5.$4I\R*M[94V>9'F1C:PPH&5KH.6
M;[_5CN&B&VAN[BT8%'Y>JQ>%24HY'<P,5M'9)VOFPDX'LY_7=[H\Y+_%_RS7
MORUI<Q5.BB^5O"WO;R^J\[+FYO9CAZS@QZJ7)$2*6"HI.,P2%D/,(P8)D06D
MA12"H%1))5Q/K$(I-;'7.,2](S00E3D6[':IX*M:SR6S^[_?F0;N&MO^_D:T
MMOW25FLB]TUJL"$\GAQXB8'Q\V%:0]!1$;0ZFDJVC9:/^5M^K +2[P0;"O?,
MP4L,R; <PJQ#XY5,"(UA3UHAF*C9$@RAP>FF&H*_VW\!?$OKZSM:"OU>5JW^
MD-IOMRT+[FXHE^9KKJ1<1%(P'HD8<AIG$#.%($4JAR@G,6&4H"B.-[<2CB]P
M;D*=IN3CZP-^"]A9*WO;I&$K':B>=M=#,3R^O@3$95B'!BT?& 5L,H3-"X^[
MSP\/TS"/'@0N+T_M9WF/'W9\T6Q>UL^PK@_U?')8*L#0E]MB-WN/^_0[+6],
M3N+]JOI&;Z1A%*4WQH7_2LNE20HO>(J4R%/M*KDJ3'%?!@DC^J="%)BSF+'"
M:3LP5(&)0_^=0'"E)8(WAF'3,U/@C:E;\F!*I/R\J=$$[%0Y 5MEH/ZR0J/.
M">@@^:M%\F,ODMY)AJ%P!,H[>(N?-14Q%)RGV8G![QE02FQ9F2[4_Z950U/V
MB58Z2/RP-%=!I#BMO\GU^L:ZO872+H@CE$&6FL;&A52PH#B",1*YXC(JHCQW
MKJ)UESNQ[VDT,:1@WS>Z@%NKC#G+L=H 6H-ZJX]'1:H'N,>CN8D@\W-"+5H7
M"FS5 (T>8*,(.*W!MXG1\BCKG0:U@=6^P=#S*P/VQZ"O.MCC;?,5#?N;^*B6
M>,#CPT*_S>'2N6S^_+"T&>CKU8U^ARE!*]</'>[X19S@),TH@4FA/2]6.('$
M_)03PA05L<PP\XG\/.5/['RW9[1O-OK\8GI5=%7Z'Z!1"OS^M=-?P9."S!=U
MM]AP0BS]O/($,'I'A@/!"!08^DJ?-2X<",W3L'#H:X8YJL^KY:9%>%N3M,@I
MP9E(M/,IL X XX3K ##",(L)CB1)M*=4B[6A7'7S1<]%>+F;K2#G>=+0P2Y7
M2[CM?BX;P9X\0GO (8@1EO)(HV&VZ%@R2'F6PDR(0D0B(2SQ8HX<"8Z_+_X\
M"2QNGG2<L9YG6CM9FWK*<%[PL"&!'-T> ;/ZLL,&/G57/9_T\TB2B\6[GWH_
M;!BVW]*UO%I5#Z<_R]IE.AU\>.+9M)4)-D+_X3:7#EO;/Y6"&.HWDY[;"'XW
M$@-$%4>MZ:$*U,^V,XF+W00Z_,99YL]1@S;3Y_@'AVX\-FS+#4G]AMWC="G.
MR^^ED$MQRNIU1?EZP1!5.$8)I+:GI4("TC1*(<<9TXL9B;!;IF> [,DW'*WG
M+ZTBCG-R"(:N6XA)D/'=/FR4:+M4G&SIC&R)S483/;M;78+N&[P1"+9G<)<\
M\W[!&Y+G>P7_5XSMR/EV=7NW6AHZ]PNU;831+OUM6[PG'2$)XA'C1$*DD(Z9
M16'82(G>511)K!+%<,R]_,P(72;V.SM]3*;Y2[7Z7M8F^V=.>CN=8;;W>UH=
M/<_ QHR%F[^:"6$__]5MS_D8Z#YH9VK1.1BGX#TZ_35YH2:=@R$[W*5S^"L'
M1ENW=[2LC/\U\M;ZVUJ:BU_FXOG[<EFNY4<=W0E#]RPW'S)*751&T4I>:[VV
M[83>_5R;O^KGWRWO;V75WLG2 5H:Q0D4-&$09X) %LD<TJB(2$(E+=SZCL^F
M\=21W59_&[VT^F_N^C<F0&O#"=A:T?$1AN*Q:\GF][_OC $=:WP3T)-_'QSC
MS=<TRIY1ZFL98/\0=R[00P7&D^L[;S@]%_S/@O#9! \^B]1OWLK_N&KN79RO
M;FEI+OU& F=9 46L(HAQ5, "FU9(&9<%HAEGR.O2;Z^TB1>'??Y@H\ )V-RX
M_[W1Q?]LL0=%YY/$,-AX!LYA8!ER5GC<W' G@SVRYCX'/&[VGE,_AX>&.8 O
M],&V7[M<G?(_[\M*/JTUVU6AF9JT!64D2C%E4"7<](XD%)(D0S!F,L*"99*3
MW*UL?Z &3E-A3 W_%_W[:UI+NWNDCPHL:ZT-J+?J^#D)7Z3=W,84Z UR)!M%
M#)M6JPIPJ%<-YU$&(A'(Q_A*G]7K#(3FJ1\:^AK_L[ZWJV^RZ1K:=CC[3&^=
M.A,=?'B&Y!Y=/H"-9-"*!D:V^ZG??KN/G_J--MEOK@^SUNODK]>B02=_^]\X
MV\E?KT'=D[_^#PZH[Q:B;-KS?JE67$I1&U8+,UTO5'^9^8(AQ2*N8I@JE9KX
M'T,F\PCFL2IDBC"APFE6CE-CXJF[4ZR];;Z^ECKP7?[1T.^W-\_UJF9^;RF\
M/0J:AV/?/^GG0]3/,W3 W"C5D.\8L2:@.A(2U'TA04AX/<K'9X%Y8#7YE'#[
M%9B/1JFOWGSXR^<K/Q\-P*-J]/%O.[12=,?[H_[I/_YM\QO]/Z8W/O_Q;_\7
M4$L#!!0    ( !J$5%JQ@-'%/(D! /&>$@ 4    <VQM+3(P,C0Q,C,Q7W!R
M92YX;6SDO5ES6TF2)OK>OR)OS>OURMB7MNX>TUHE&Z6DD935,_,"B\6#PDT0
M4 .@4NI?/QX'7$ 2I$ @#L]AWRYKI=83OGSAX>[AX?XO__W[Z>R7;[A<31?S
M?_T+_RO[RR\X3XL\G9_\ZU]^__P:W%_^^[_]TS_]R_\#\+^>?WS[R\M%.CO%
M^?J7%TL,:\R__#E=?_EE_05_^??%\H_IM_#+AUE8E\7R%.#?NG_V8O'UQW)Z
M\F7]BV!"7_RUBS]=_G.VL3BN&:B8,RAN$3PJ ]Z@L.AB0/3_[\D_.Q>R$3&"
M\)&#*B9!*+J 1IE"<-)PGKN/SJ;S/_ZY_A##"G\A]N:K[I?_^I<OZ_77?_[U
MUS___/.OW^-R]M?%\N17P9C\]>)O_^7\KW^_]??_E-W?YM[[7[L_O?RKJ^FN
MOTB?Y;_^K]_>?DI?\#3 =+Y:AWFJ"ZRF_[SJ?O/M(H5U)_6?TO7+G7^C_@HN
M_AK4WP(N0/*_?E_EO_S;/_WRRT8<R\4,/V+YI?[W]X]OKBVY"K/9E.C!OZ;%
MZ:_U;_SZ8D&(^!!.*KW=OU__^(K_^I?5]/3K[/+WOBRQT._-3FE9H;C8+/K?
MKO[MKU?K?UWBBD#3\?N6?N/\$W6Q VG![VN<9]PP>;',;)&N_:59%?%B>?$O
M9R'BK/O=2<;II/ORL[A:+T-:3QA317F"H7 D1(6)030N@6&Q6,<PJWR#]4KW
MB@CO-++"]->3Q;=?Z<._5GG4GW2"Z81R:[F-< ZC^V(+OIG7;=;)]'.(,YRX
MB")YVB+HT8/R/H)+(D,L014>@PM<'L7"72M?YV9;V<^6Z9?%,N.2;,O%TF&9
M;BG^.JK/_\:O7\.2/@3IRW26+_YU62Y.6^APO6@LT8WJB/2__$(2*+A<8GZ[
MT=R=C'9<KLGZ8O<W#T7%V0I.0O@Z^41"Q\K(BUE8K=Z73^M%^N/9]^EJHJU+
M6C($[IP 91/9UR0"&)<MSRA*QG /-$I8Q8[J\Y4V^,#9>G7Q.U= ^2DQPZ&E
MC9X7?0A]!.C9IO_EXC1,YQ,,FCNC$GA5Z&R6=/)Z@18P62Z-%-K'TA@VMZD8
M!B^-U;MH*NL!T4('/EG=T]/%O"/^0UC^(\S.4+ /N/STA43Z&YY&7$Y\1*V\
M9*"5(=\N:PNN*#+-#%4H26-V/W,E]EQJ6'P<J\E%?V(=&"6O9PO2POSD(VV@
M=XOYB[/3,PH-IM_PPP4Q':N?<#G%U?,[.5;"%Z<C@LR&;#,S"J*7 :(FP1HK
MDO-\#R"UH68OK(DG@+4!E#,@'.\X_"D4P3=DW5<3$8+/B23(:3>1 X "*-23
MY$B:G))*MJC[_*.#7.?+U8<!57.'J*F01P*6S_1W)ZH82_\S8%0L9',Y@\"9
M $/ 1V9HYZG4!!QUM5%YQP?J;@<@'BS(D0#@V7Q^%F8?\>MBN9Y(+D(T68/P
M%D&92&:7,0;%*!$,HS^VM@D0ME<=E75H!XB#!3L28-!!.%WD5_/\DD[0B2\R
MY<"(?:Z) <D+A,J/+10).(=9YC:IEVO+[@4-^>2@<;AH!\;&B[-E%=SKZ2J%
MV?_&L+S@@87D=/ >4)*OKHSE$%B*D&,HRK,D\Y'PN&OEO1"BG@Q"F@AX) ;D
M\S+,5],JEW,CB#H;RY"!BYR$4DH BO8B""V$-Z600Z;;N!DW5MX+)/K)@*2)
M@ <&R:OY>KK^\7HZPW=G7: 5>-1>9 ?(*+I3@B3B72%6C L$<1:M.,[UN+GB
M7J P3P841PET%&#XB"?3>L\Q7[\+ISCA7CM7,@,>J\63DH/#:*!D+8N31DC'
M&@#B^JI[@<(^,5 <(=A1 ./-/"V69. ZH73IZA>+L_EZ^>/%(M/)6+S55D0H
M%+6#LB&"E_1+%87,%'8%Z54#G-Q+Q%ZP<4\,-NW$/@H4?0[?WV22U+1,-W4)
MYW:2F62BUAJX<9+LI"0[&4Q-,.K"F(U*JM@ /W<LOQ=R_!-#3@M1CP(SSW(F
MC:S._U/%PR?%9YO)Y2:D5^ ';B&&H"%&8YQ-(5@C&N!EQ]+[9<[8$P/+L3(>
M$U!>T$_?+S\O_IQ/:!WC-?/ 61"@M$6(-G$RESYP*17BD<'.'0OO!Y*GDU]M
M(=\Q0:0[2-\O/RP7WZ;SA!.K7,AH&?A$OKJJX9HGZ8!TEOGH+1VFKAU.;JR^
M'UB>3NZUF:3'A)@/B]4ZS/[/]&OG=R5O,#F*['65CTJF1OM>@TM1Q$@G+$?>
M#B_7UMX/+4\G'=M(RD/G9"L/2PP=W9%ACB'%>E(64$X(BNTXT2TS8D2.4AV9
MA]U:;3\\/*'DZZ&2'!@!M=!Z]N'+8GZ1^C$\J$0A&2A3+9V@X#XD36"6%BU7
M=%B6XU(G-U?<#PE/)\-ZE$0'1L,G3&=+0C(7\?-T/:-(70OGN#,UU8.@.$7J
MSF@#+,5L>9(RRWP4&FZNN!\:GDYJ]2B)#HR&S\M0G[I\^G$:%[,)0PQ8> #)
M:C53=@&"30XR9U(F=(%D<A04KBVW'PZ>3C;U<%F.Q"2\^IZ^A/D)=FG@I%2*
M+&4H@7A7.2L(BA=P.205O8C!W%?ZO+]9V%YU/T@\G4SIT9(=1:#Q[SB;_8\Y
M1=6?,*SHT,MO5JNS6HNKBZP4@].65Q^($R.!U^MG;4K1*8;C('+O\OMAY:GE
M1EO(>A2@^<=B=D;Z6'9WCLO5)">A"M<DAQ)(+,EZ<IV5 F:8P\*B,?*X]V4[
ME]VO>.RIY42/D>THP'%>Q[*I2ZAG)NGD;#613M5(2H,)I4);1PB&W.A:*6F+
M-E*C;X"1W:OO!Y6GEAEM(.E1(.;-G+X64JW0?QG6X9RMB12^AEP<R.4F?SLS
M"5&P MPZKBA MX@MCJ#=J^^'F*>6'FT@Z5$@IK.-+\(:3Q;+'Q-.QR:W',%*
MC'1^,@N>6PO:2Z<Q:!U=BSSZM47WP\=32X@>+M=1P.+3:9C-GI^M2!HKLH/*
M1XNY1NG"4KQ>W:J<'40G8A')2.=- UA<6W0_6#R=O.BQ<AT%+%Z=XO*$SL>_
M+1=_KK^\6)Q^#7-"MR],9K)RY$;YFMP3Q$94( P/J)T,&%M4'>Y<?#^8/)VD
M:2LY#PR7-ZDLGYWE*?V-9^LUKC8J>3T+)Q/KA7:)7"E6ZBN.DA@$S;!>*%*(
MYHIE_+@[_;O7W@\L3R>GVDC*(REU?SV=?UJ?KE\MEXOEBP41D2ZY<<)8F26Y
M55$3\J,W$#,Y6,8&80Q/@L<V;^ONIF$_[#R=/&QCJ8_B>/KT!6>S"VLI,9<0
M<JUM8>2*,ZO(%5<"&%=1U/Q0C"U*G[?7W \C3R<Q>Z141X&)#V=Q-DW=0_9)
MR@XE"J3HK#[MT(;<<+*2H*R5R=KDBVU1]K&UY'Z(>&KIUT-E.@I ;/7/Z'H4
MK-Z?K6O?M7HK-4%FD6>;@=F:([2U9,4Z8BFJX 4/DJD6F9+[:-CON>932\8V
MD_I(G)7556$_YN<_/E9*<)[P,WY?/Z>__,>D]AHT(FD0N7KKBAMP/%CBT0BF
M<M'.M7GL^U-2]D/4T\G9]J.#@8%U[L=W=Y_&)VNXY:1O62TI][05HB;#BEAT
MR8Z9XXI-MA;;#QQ/)SU[J!S'H?ZWY^T^)ZH4%@K+$)TJH#!'(CV46F<KK75H
MDSK.>[VQX'XP>#I9V&/D.0XHO)XN3]_DB2_%FT)1EZ@_*&$]A)@%E&J\&'+-
MCBP?N+;<?C!X.EG7PV4Y- A(%+F+SVLDCHS0Z[0"G22Q'VR$X%V$[#CR0MZ3
M9<?E/ZXMMQ\(GDY.]7!9CL39O.ID\9I^AP0177"8$CBIZJMTQB B9C!1JABR
MUC8?]]KRCH7W \;3R9^VD.^H(++IB;-A0DL=K:FO0P4&\GUK'XO,ZU/C@G08
MQNS$<<F..Y?>#R9/,55ZC(S'D?P@-I9A]F:>\?O_P!^3D,@ "EV $;&@)"/,
MH\R@<W(VV\0M.RY(W;GL?@!Y:GG28V3;#!S_\NLMF1)_?QS<Y+]SH+:$=9W@
MO7K]W_I$FY;_]U-V9.?_VOSTY@*7#>1SME%''<!:18K-44(H3@+/Q7(MI) N
M_40F]WV_519!BJ"TCQ[0UMXU5DMP0B3R=J07+$?KCWP\_= L0O,,4S,MW95
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M6B=8[R%G6%/2NXO:2A$C,#-=E[ OBQEI9%63Q^L?EQ)RR%"J%,!I)#/ILX1
MIRK4>\UHA:>SM76J]6YJAC5"O2.JD1I& *@/%^MV+'7U\=?;S]&:KFA@0C!0
M%B-Y:B:#L-I(9P7J>[O>'W81=!]%0[^"::/W6]="S90P DAM]3/<O+= JU1
M]&#JK8,2UD(PG+9;<<&97)#Q^]Y:'GK8;=,P=!*F%]@<)>@1 .59SIU))N,<
MIOG-_$7X.B7G:U)X-H4["5;R*A,RRL'% J4(&;-4-L76ESUWD#*T8]0+;%J(
M?0SH2>GL]&Q6&UQVP6-MP[S$+SA?3;_AYH*KE@V^0_("/H?O$QT4$RPE4KXF
M]DKAX#T%):BM$LP)QEGKJN('DCBTT]0/VGI4TPA0^!'783K'?%XNMMIB]R66
M:9J2]+RTT6</OAN5Y62"H+( IG1.' VSJG6NZ.=4#5NTUQ/6&BMC0'C5U@T[
MA+1>+Z?Q;%WOZ]>+#YVH+RNI/R\QK,Z6/[I_-K&>3GPI#7#C(J@4#7AKZH9"
MHQ-3D61Y'70[&_$<0\.PQ7Z-(?:H"AE!\NH:\1M'<^-C&JYS5_J:B"-04C&(
M,C#@E@G.4\C:M4YNWD7+L&6!/=FP)H)_.(#\!D!S/*G6\G./":O+^K0/=: D
MZ6IK#WU>O%N02S!?$S'TQ9.+,MN)EL;XG#*P5-_66DY>@:Z7 \IJ':U&4_I/
M;AU"^;"5ACUA= "ECL D;E]MS/-M&4R4=3YDIR"[>E&5+$*T(0/*XD/0Q4O6
M.JG_,YJ&=O,>L?CD:)4T@]BC]:?:.!Q?<#U-87:=C>.:55W_<,^=J^[AXC';
M6-G DDY1 ^>ACA!,FF($.FFML1*9PR!5Z]W[&&VL=O:J>'9:S?1_8GZQ(#N,
M@05G"YE@AK0#G4_@(_W 0W%!.<Q)M,Z,_)RJH1/]C1&S5PN1P]4R@DS(S>X5
MUWM67&/M>5A-5Y-D#%HO#"1F*11GY .X1!&15S9;%V),N?6&>RB-0U\;] S"
M7E4VBL*M'4_/=[\NO^M!^J0HR3DB!Q0LDWREAU!*JFTU'/*83,'6-:%'$SWT
MM47/L'U<I8[ M%Z_'R9_Z?VR$W+N,@,?<-G-C:,#HQ05*:1#FP,H+36X*!7H
M7'SFF4X3;'UOMA]E0U]L](S''M0S.M!M)A,^.UM_62SKF3 1J(AB$T%&[^L]
M389HZ%#PUBJ9'1IG6M]JW$_1$PAUVX'L*'6,%%S;)2],LFQ95D!.A0*E))*C
MP3QXE%9Z7XRRK9OV_(2DH6\S!H#7H0H9';[>3O_C;)H[96W^H(["G&24PDFO
M@:GZWMZG E$$"V2B%??HB,?68>\>9 U]J?&H.#M>,2/ VE89UIUGOXM%6\85
MF*S)X8PAT/9Q&E*PPGBGF'9]U'O_A*RA+R=ZQEIKQ8P+:[=< &V%M"J[.H>%
M_$OF(@23!&"M':T;2";L#V,'N6.]]4IX3&P=I8@Q8NK-:D7!\@1U"KK>S#$G
M2#S2<XBUZ:R//JLZ[XLWO\ZZ@Y2!.RP\/I@.T, (@/1LD::?P_?K=[^;VYV)
M0RN\SK6&O3[Y#.1)>J,MV&",C99%3/>-:3THV7LW.0-W:^@_L=M($\?6D?15
MBK39)1.=K0]:4Y3+HJ##.T9PW!HH-@=!II8SWCH'<2<Q^T'JZ=X5M-%"PTN!
M/F_9/WVF'W][]>[SI_>OW[Q[\?ZW5T?>KN_X8/M;]9]1W>@V?5.T?0FX2W1I
MJ35]78"6F5QIP0,$06 C'0;G!4H=VO=ZVTE*NV;DFP4NNQ//\\OIMVDF*5YR
M+;0.)00.Z"SM*683Q, *R!A$T,R(U+SCT /(&WKNQO%(N;NA>5O=C,!_VF+E
M-5Z^C0CS6MOTEJQOM;4"65 4G\I8$!0/&D)@!E1*=)#'P(F_YFC[&55#@ZPG
M0-S1\K61=D:$MPTO-R[_;Y0&O/^*RU#?S4_(>Y2<J0(I1&)-ET+^(\_@5=<9
M3%G;&P0?1.A89L,\#BK[T^' KV!N]W&_SG(W&L!$KWBD&%FF0!LO2 LD. [!
M%I-0J1Q5_(FWMN]:8QD;TP^L>I'XB$S=EIPVS%SM">FD%$II$+QH"F-,@5!Y
MBQ00$Z<JF=CZRO'G5(UE&,VC':TMM#."MP*74P2^?\7Y"B^E1,2[4F(FXBUM
M&X\9(IE<\-GJ$GCAD8N>0':#E*&/QSXB@^-E/B)3=<[&92M%KW3PUG ZI&,$
MI0*K>6 .VOJ@N&+.\-89U#M(&=K?;Z#F^Z%SD,S'!YU/7Q;+=6VZ^'RQ7"[^
MK"^B)X%%)E7T8+@M=8-Y(+D$$-JD9),4[?/P/Z=J:%O4.Z".U<3XL'6MGV?P
M*KA@# A;&_P9VB9!&@]:!,NS9,GFUGGX>\@9VD/O'4T'RWY\,+IR\'1VZ%0A
MPI-1H)QFX#@Y>#H6F[43RC7O-'87+4,[W;T#Z#"IC\BMWKB/Y]S4V3DE!F?K
ML)PD:AF/\C4\R XB9F.R-W1^]Q6\W:1E://3GV-]E-0'1$]-:NQZ,S+/[TMY
M'F;UW<BG+XCKN]Z+;+\HZ9C_B-_((H;91)(7J++48%*]3"^)Q*H<@Q**]-DQ
M:<P-=VIGXJD?ZH:V8^V0.!(-CN))V\[=V,U-_;!<?)NN2+VO%\MZ,]$EZA0C
M0F-MFFQU?5ZO/#C%"ECFDV/D9GI\%,MX)X7#OMMX-'O91D,C.(/?+>;3:PQ>
MR2PQ4S02Y4'69@L^0:SO1(U+"=$Q[6SK,.!.8H9]KM$'JMK(?00AP-_"M /^
M^WF]E%J]+]TM:N=/""MC8!I0>P-*.F+$205&Q919"AJQ]=7BG<0,F^1JI.Q%
M'Y(?(X1^6RS7)^$$GX?T!^:K*]#?GG^:R. YL8;$$9;-HW7/E087=)UC%6L+
MY;Y1=0]]PR:_'@EHK?0S*NR]Q"7YH>NNCRD)[:R[*Z7=]&&)Z_!]$GBJC^,*
M:#K%B2^=(#"3(8<Z<S.$8GWK^OE]:1LV1NT;<PWU,@*\W9)6UT;W,H6S^;U)
MU@8IWM:U,P<9<&<+.*<B"&FD%@7K#):^?:]=A T;@_:#M/8:&2/,B &64J2@
M.-;-HJ)5$+*/8.LT:L912]GZW+Q%Q+#!X2/!YT&2'D$$>(GT\]#V:M)3%,Q;
M[^@HE[7%!5:QE-IXSZ:,RI:D6>LD_IW$#/N0NH\(L(W<QV5K;MYR%)=LX"I#
M,L2$DMH!6<Z:4C9)BQQ45JT?$=Q-S; Q8"-UWVU]CI']"%!$'UDLG\WS1^PZ
MO)]S,W'%ZH*&@<6@0&D4$+44M5.%BT2&M\V?VN^F9#09A*/T?+/CZO%"'P%T
M7B,)/\S.ZWPH2CA;UBN$%XOEU\7RHAW%Z?3L]((_;H-U@D>(GM=Z?DD_<ZF
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M#H+12GF3K-:MVP7<0<I^B'I2[X1:"'T$V+EC8YQS<WN4B,^62^<<B&YKB,C
M6_I9*3XP3T>\%:TS8P\D<3^L/:G70WTJ:008W'(=+P.:RVV%:4;_R94GFREF
M <:U/.^XX9(!X]!+%80)HO7[M'WHV@]M3ZI2L;DZFD'LL;I&OWC_VX>/K_[^
MZMVG-_]XU;R%]*ZO]]M/^J?\M!_5?%YR/<^$)N+H"\Y7W9..:X78DLG(O39@
M98B@LB<[)24''5@ICAFCC&^\IQ](8L,4:Y&VZ/I,/910\X!"@ _)0DB)2RD+
MY\UCR(>F6/NR4GWBXI[,ZT,D/HYC\*9$WB&)['/X?GG=_Z$6!Y#2KLV&V'V1
M=2E-QQPOSG*(F4X Q4P \@$LB,@E<\IQD5L_S.V)E=%,=.X=Q6/ P@BV1%?J
MMT,6UW*/YPV2MUHGY__O;-/Y=',+3$*;.!>SC8E#YL2S*JB HC(.F NBHO\K
MHO5\K6;$#VN\1P'%726@CXZ+D6^(VOKY]6SQY]\QG^#%@]H-IQ^KV[Y:3<LT
M;7!3^YE4]I4KB1QY!D5R<N,-U^#1%& >6?$D')2M/;#&+ Q[)CRUS=$W1D:^
M1:[VO35)&&E,;8&N0'&FP0E. O:AH"X*);;.8^U%V+"UAD\-SH?I<P37C/<Q
M5=D1=/@4AP*0U98NUAIP42306$Q2&@WSK0LK?D+2L,!\3-^[I6Y&,8/O/H8N
MMO=$6VVMXPR"L36A5^_IA236;)0I2T]6GC\BXB[H&O;%R5A@=Y"61F#F&I\G
MDQR=E#DG0&3DK?O:;8\%A*(RYRI9SYLWJ6O,PK ],9YP"N-!NF\&_4>[<?C[
MLW=_>_7IS;M7__/W-Y__=\O;AAM?[OFFX3X^VM\R;)>;O?J/L^GZQ]6+0$PF
M!HR0@B1+B<S4.1"%/% 6DO(,96G]Z'LOPHXUJ9>+?*Z[91($*T;07N"NCG+2
M-=OMK0(D?[A8EP6+K9.[URD8S<U"(RS<-&-'R'L$P? E]1N)5)N\F->.:L^^
M3U<388MG%"N!-CS6!O*1Y$+""9'G+$+27K2.,NXE:"18.D#3=X'F:+&/ $,W
M>'BY. W3.3&1!5I+GJAV#A1M+PA=<"\U1F4U9]@Z7MA)R$@P<[RB;]:7'2WU
M$4#G^FN%W[#6+4U0B!*-J.Y;JJ^DLB"IR RE%++%DG.RRKT^&MG0,2QP&JCW
MWI<A!\AZ!'C9*CTZ9R Y6;QA&52H4RIR\+6Q W:O,:.M'8Y3ZPN*6T0,>\70
M'BG'27D$,/F\Q+ Z6_[H6-AP<\Z("E$79 IL9F1Q36(09:(S/ 6C$RKN>.M7
MKW<2,VS&M#ULVDA]!/!YEO.TJB',/H1I?C-_$;Y.*>P_9R8:)Y.RN39\S;4[
M*)W7WEDRF59*%WQFMG5$=2]!PV9 V\.HG?3' *64SD[/NFYZ=^5OSQGCWG(L
MBH$,*=6:; H_Z?=(@KXXYPHOMK5EVINX89.2/4"L%ZV, &X?<4VRP7SQ^.2<
M"ZL"\W4BO%&.[&^IQW<4!F)B)D7!;0JMX_C=E P[N*4]D!K(>P2HN0Q27]0"
MC_-,61>@&IE<-%) UJAJ>!")D20A<^&<,*C1M39*=Q(SDN+.ALF?H\0] MQL
MTW^^F=#7 SI:4*PVFNK*Y1CS]65DB<YCL;EU['Z;BI&D?(Y3[\V8[#A9CP M
MGW YQ=7SG6D(%3VJX#6DS&0MF: 35ND$TDNA% 9NL35L[B%GX'K:(S5]T]HT
M$OL8$'2QL][2F=NUZ*+(DB?R^CTPK%N*HDPZO L#1%>TX1B3;CV3X#85(RE]
M:G@R'2;@$4"$G/>:A:CO$+O_OIG?OO;[N)C-7B^6?X9EGDBE-=,E0&2&=I;1
M#D*=4>685ER'$F7S1U</)'$DA]F!B+C=&*TW]8P ?9N7UF]6JS/,DU!X$A$M
M%/0,5(H*@C4%A/2,Y&0Y4\U]YZWUA\5-KXJ^:;4.E?K!B/E*9^J"3M*P7/>5
MK]XP->$L8\["0<F)4T@J+43OR8.4*1O-C"VI=1GZG<0,&X ])J+:Z./8VMX/
MC5&V=:USNR4$8^0E<"F)L5K)9WD"5R=EJZ20XA9C<FC=<^@^>H9UJ1X3:\VT
M,AIK=EM6!]5S\L2,RAB@. J4E98)@C8"O& J&\YK[Y+FKGT+RH>]D'G4D_?Q
M-3T:E&_U$=#)D]L1"GA=?8XL/'@9NKR.4<Z@U<UG*3ZP<T.?G;,>#6T'2OQ@
MQ'S#95P\PJ/#R\<;SH604GU<K.I#2B\SN,@B158YE<B"3;YUO])F3VSZ[)?U
M: AKKJ41Q*2MGUE@,*(X1) RD7PYN21!%/* %>,)A6'9MVX:.,03FSX[<CVF
M;SF8[D< _<ON9/55^V6Q/_..E6 4<.NZ-TL(SC-+G*!VO*"7NG7%X$Y"!I^Z
M\6@P/%X/HP+35<!6^9GPX(SB5H%0*A$?VE8953Z4]#H&<DY:7T'<1<NP.;\&
M:KX3.$?(_-@TS.?V$+I^&==Q)&.6Y,=J<%A'6XKD( 9!OJW0FKQ=)^/-P6GM
M4'2;G&%3?3T"Z4C)CP=+'?V;G/?+LV4]QS?Q;9=">H=_=G^TFL3B0S:QJ[RM
M<P]E@.!X!&>Y#")(%*E] <\^E T^].=QDR1M-36"X_ .KOX19F=XQ12YA9P'
MZ\!*#+1GK0 GZMZB@(G+VFI6M6_@N0=APT\4&AI^1RAJ!.B[ZM2V^KRXHV"\
MVV"1I-MU,* 8J-/O1R3IKJ9K_(3+;].$&VE\Q+0XF7=?Z00S$2$PPTP"'@P%
M^=(R.AYJ1X&@C?.219M;.W5]\S3\L*-'P_RHX#&"[7+M/G-S\%P,CIVH6"1+
M5D,H74Q/3,6< ECRIX,K(L70VD3?0\[P Y&&N60^0BGC\4FO<=1ME N&/H1E
M]^O?</UE0>PQ3)$)4^L.Z;0Q%B%$F8&C88YQ0;Y][!-S]] V_ 2E80#82EWC
M0>-F2U6;3\+Z'+[_^W3]I<J17*#:^?5\EM1U\S\I'HTB=P<$1DY^$".;CJSV
M!2??O/A$?]2\$/D .H>?P/3(U5T]JG$\B-UR6SYB]SKM\V)?CHWVUBCRW9W(
M""H4 X'G!.2D>*_1I^Q:WT$?0>[P\YZ&\$5[5>IX8'RM'C.CB5[7!Y0^U@>4
M3D$DZFD[QH"^N$QNSN!5L/\E+J\/%ON1)36OYFVZD-Y==$FRR%AQ+TPMNC3D
M#0>#$:)EI1B><HFMKYR/*X+M=9[3"*I@'Z*0-E6PK4!V;[5E9-:8.GNV\&1!
MJ=K@Q"5B*^2$AOXG>.LS].@:6/Y?XH:XF5I&8LL:%4;Z(()BP0/6G@-*" DQ
MV0#&")E-3C&9]J_;'JT$EO_7N=YY7%4W!?E '6P_=(K\@NMI"K/KC+5L9WM]
MF4?M;7L/AX_:Z#:[$*((""[+7%^=!P@Q)=!&:6&\D!Y[:^+YB(UN<^31N9J(
M=YH\7E>CIJ@-;:#L6.$L1]OZ <O3:W3[$"S\I-'M0^0]@BN0N[LRD".+$CU)
M0ML(*F8'SAN*EYBV(3EK?&J>\CNJQ\EC-;A]D(;W[G'R$'&/ #<[NC%8GC16
M0:##.N\H!?!*%#"%>X,E6:]:OQE_.CU.'J3>G_<X>8BL1X"6^YIM8#%,IAK&
M2,UH.X4"U1A#3B&J$"63KO6EUU/J<?(@33^@Q\E#Q#X&!-UNN! 2<SES 9B2
MJ]F6 K[D3/&OM<;*X*QJ/9KRP!XGC]5]J\G)=)B 1P"1%_O,7P]!>\E4 E?G
ML2CI-$3'##!97RG98H1HWHAK#[I&<FP=J/N[LU9M%#&*IXK7K>@%8Q])<L3;
MR\6,V'IVNCB;KR<R<FES4""2-;4U=+U?* &,%DG25C2R^9WCWL2-Q%ZU 5H_
M*FEFRAXMA?3LT]]?OWW_[Y]:YHLNO]ES<F@W[>TS01<37%>707^2/"0O C"O
M*B:X D]0 *9E5L()9U/KZ[/[Z&F<][&EA%P<0BBZ[BNEP0OK0)NB;=;<._?_
MDP%'QVG^)^F>AXAY!#[2V\7\A+YV^A+C^C/]FRXV3:B%S>B!QSH#MI:[^^+)
M0CI)1E@KST+K9DJ[Z!@)8 [0ZZ*QD$<(E/-H-"J=,Y,%A*+]HDJ]W.84E]+I
M*C,=VRRRUE71NRD9%BS':_@GD#E W", S8OJ<M'GPFSZG^2483I;3M=3O&C_
M+;EDI6XB&R0)R)'?[[64X%32REGAN&J=Z;F?HG&!Z!"=WXJ\FBE@!'#Z?;ZJ
M'&"N$KIHS2L#X[7$IO;A!953?>V:+>3DN Z9>2E;]X+90<:P450/P#E6U"-
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M,20-V]-Z-" =4M&C>$%Q1S<O880TLE@H)/S:DRF0+$FT.FEF*4(4S/?26_#
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M=(2(1Q2UUL:Y<?UFM3JK8Q<V[_2YMR8&F4%'49N(2PTDJE*;B-N D5LI6A<
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M(.1T5(D9PUH7"=]/T;#O*H:'X:'*&1_B7B^6Y#.<+=,7,OSORS9CW$O:+KJ
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MZG[*%@GUEF/KUA#7*1CM4)B':/VFI3E"R -.I=R*\J[F;W5R^;%E*HM)0JE
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M,(%]_Z24==Y4*K ';SASM"Y+;J 40?L)[2* J42(GD+J*,P J'Y:HK%3ZW%
MVM!+D\+<;Q3.S$]W,<P=E6@:(4<+,N5,*EE- 5,0P(5VD<2V-K0^#.T@UM@9
M]MCH:^.O"4#P9M5_OZSNP]-79[ON)>7D?+/>X")MK_.N#'ZUX-^[CBE".,T$
M),<+* PURQ,&8LQ.>"=1I.%V_8-$'SM''WNW/Y[?)P7WZXCETM*WS'\=Z-PF
M8_^05V6Y.JL/8&\83FX"H-^6\2$F/4IUA4C20*J=9I60#%RIK.W:VR*-"[YY
M'Y(CJSCV*</8TV=Z.)K4-'O007_#^;:=[B,YQ8V%;G/OHC,!&85RB;95K@1X
MBQSH_RJ(+9W&<+<.C908]PG/^%-E#"Q,:C*\BO'\['Q+EK_M75-)]%?Y2UZL
MMS:I!.C5%'=?N*OD,DUQ0+LMJ>$1'/,.C(E8G$5KU*!$9_U%[@3TP;I:C@_T
MX?T\V2/K/S:DRI?E*;EXO6/,W/N8^M&/:G,TW4W21L?1NP%NZO-]9.@<K5O*
MUK,Q+B (C9 ,XS+&E*1JG=1_+T&[->W3*B--H8NM.5]?;%E,;V7#(@NTT@--
M'9I/F!*$C F$+YBCQR"='&SM>E*T<0]Y#\##X\M..U=,=GGY%5>+6I3X8;NH
MGBT7?WPA>^^]Q#SY<6V6F>X2MUIJ;@;<#G4-LBP"A4G"0\Z:-KA<=QHI$I28
ME'1!:=I^6B\ZC\C2;OFY.T*E"(K;?KNGY[3]WMEB&6H>/6EON):UN3D'Y ;!
M2N.YETEE/US12"]11UZ>6F#H\85J.*=-=N':K<FXKD16-YVSZBOC^LS^U6J%
MB\_YL&O]WD,TC*/VUJS5=?]U*']2'FM-MH5:J()^P(M=4G %ZTH59@2WP)/7
MM;,/4A#.'4CG$:6G#5DWO_$_2.*&!7>7$_![]VV=>O)U>^)[F3!=W)F67BEF
MK6&0/:-T1:($+^@/E#'5[FXQ%S786KJOU"-?[1\/I4\4[AW#X9,Z=GF_W#)*
MY[3;RQ[63F-,PFH!1A=&NPRKS;V2AE30B5P;?PU8MM)%PI$O_*< W>:.G,@;
MP\<FY:W-\_7%S:]<6O?5G[A*'\D>JWFL-JDS^!^+^?:LZ]:YZ<W/_[FU724U
M^>MKKO_DT[+^Z-,#W$O1,*N4+L!,JAPG3 -2J &(F<N4?8FZ"YG]9!4<N7[A
M^)-ITM[H!;=);2T/6^E7BM:7%WEGBP_GJ_B%?J-&Q/6B<&?J]?K\[.M#%^HL
M:I%D")!XO5 76]8SDR!&KI)5+HLXX+N&UNJ,7%PQA4UK7(A,-B&^OC?_?7MH
M>6#N^]2GM4ES.\O;**.]'N\&Q#?(%,5FK2C&X<IZ4#8Z"%@$J!*8]X')V+PO
MZ5/R#%"5LROOI,WC5J7=I>73"4W@>+ZJ/!,/,8)S3KA 9.!3)9G@V@-M( 9B
M<L9'ZXMJ3A785(%Q<]1FN.M0,G,D)T\@8KA6^?7%:SS=QDE?<M[\;;4\_UI?
MSMU< D<K*YL.>)\L6;C4U\,&@8G 4 ;#L3EXN\HV;@(Z&"X'<<V4(+>;98_-
MJW\LEF&=5]]VS^F^GF_N= :^5C]II7*, :12%'7$RN7,9 &#*CKODHNB]9UU
M8Q7&3?J&!_ (CIX>SI_=3>@7WB\7J^]L<QUT?\KQRV+^G_-[9?TN9)YMH+Q4
M8^WFI6J;$>G(*!A0T+J O/53WZ,H-FZ"=JPY,0%03#81^Y@_UU*UY>KB#7Z=
M;_!T[R3LL4]JDX!UDK-9_[6KL1["SP-U@]D8YI)G(+(T-1QEE0L_0+:>"VT2
M&M;ZU*:OC.V2M'J40KL&14K_FF^^W//+Q[SE8-XFR/\@9ZQ>X^+?VY81VU_\
MGATBH^,T<0Q(42N?E-447DF$DJS%XID7S0G.!U%D[%YO ^+U\41N+"!,=BW=
MU?9^PK_R_D=9]S^CS?KYC&R-5L[K41X G;**QZ L:(D<E.8.L#[138:V=!]-
M*:QU =H3XC2L02LEQ\UU:3>-]A$W^4YX?2=RX%*5J"/PRH>C?/809,B0.-..
M)YZ\;WV =XB\XZYNK3#U1$':L!Z<0);T_:*]7.Q>I5VK6Z_H%NO\.B]RF=\C
M$T/,S$@+/-:&%YI2P\"C!.MK>QY,)HOAWE[U%G?<8ZKAL3JL_R8%U5\N!2 %
M'XIK[C6_<\*5$$$Z1Q&$U0J<K"W&/'/:F,0(90,^$>PAZK@'4<-#=#B_30J>
M_Z@'!LO/B]J>EE2]G'SKC\O3T[?+5;WEO?O"2ZL0N>20O*Z]:B-9%ZV!Y))*
M,2.B&VXA[2OMN"=#PX-T4.]--D/YL+7^R>+TXN9U^O[-Z![_L$:=Z#I*>V#R
MLEYM9F^6] &TA:9;1'7;FJ8J]DG925+W7EQ<5($>XC8T*)VT CSR4-\E2PC*
M&(C9Z5R4T,EUVH!(G%M3F[Z[F=9M)-V[9I%&OQV(7,IQ^]KLSIQ)SB15K /)
MZAENU BNV$SQLDJN:..%[<1_\8Q)>@DU3C(S L:N:_\&==N8-;0/*[;;.ZY7
MC#NZE9RX06W!%F%!R63 RV!H+:<<D")BS;JEWOTA^:1<XZ0MTT-E.^=-#YAO
M</WE[>GRS\>T8Y%GG@2CS*P6'!9C 1TWE;D6"Q=1AVXO-/M#\QG)QDE8I@?.
ME@Z<;(CX1_Y<5?N8ORY7E>MN_P>)#W]0HV>'':1L=*9]=ZAK9,D80ZY-K)(+
MC#("0I9'XT 7SRB#11G:YW./R-*2@?_[$6[-M]<7EW]YF_\-$P\H(7-#)J"9
M!J&@J115R4;A+=>FM0GV$W7<,^PF&'J*C7\HITUWF9I3[E[FL?9ICK%R%Y+>
M'Y:G\UB/F%:8MF:H[\6V:>-[7*VVI$"_Y W.3_=:SPX<L='"UU+O1BOD?4%N
M&)4<DT:@(*Q90AC;WI.P!"(H9-PH;5SKLL''I3GDL=X_,\VLB*<?Y^M_?\QD
MMNTS][R*U8^?\TPE[Q/J!#($#BH)!TBA*DTJDZ(H&6-6SP"LPS#CKF*-_'S[
M45I+L[[,M>K5*464-1.G)?OMVU]_^_#;<L>=4/][U>%BEQ8-M';M(<$1UK)#
M[3+\VA9X4M$I2C\EY1,J*<)\8@Y8P!A+SC;PUCW7VJ]M]X.)RS'6[Y>;O-X:
M_8:IM%;OQ#S_=OV(<^8"8CT/ F?J17B0"8(V ISP,CF:^I0*#18!]A)ULFMG
M'QP]R3HXD-LF<.O65;GUZXMWBW1.AKVH>?MY72;(/YN+3S30J[_FZUG)'D-@
M E2.GA07")25)T!*W1GM7=GRUAE+,^%'SF&. ;7E%/P^ < _K,TORS.<+V88
M3>;91]">4P(G:G>K5,]"%?<^"\PEMCYX>$J>22RLQX;(<B!_C<Q)\H:&FV_>
MX"JM?\]G(:]F1DG&LN9029=!T5X%7O  9"G&5;8BWHUR'DQL[GWPV$6%K?RU
M;&6\":PZ-PI<RI^Y4/6Q#3@E:IFC$$#_2H%V!7UQ1@;9.GV_*\/8!7V-<=+$
MU!. RG?+[JM=5K:^66TI$\SO-OEL/4,2W2C2*_)ZF9R\ Q<LQ0".0@'!K$NQ
M=:US5]G&A=;H\50KKTT C0\9J[:C)6$^+?^>3]/;Y>H//,W7APKT_6X&5B;V
MR_+9C_D;"82G,U$TXQ$-2&6WATXTI9F.4#0OC+Z(V;9^SM54@0D%9,TP=O>%
MYV@.GP#:KYIFG"RJBML>3OF6A6=*^%B<+>!<M*"B"^ ]2V!$YD8(+HO%QOA]
M1J1Q5]JC(+*E4T9. F[.WS_F^5DXI\_<-F99T&SZ_\[Q=%XN:.:]+?GTZR^Y
MX/GIYLTISL\JH?-\F3[]N9SY'&URR8,UO/9?]K0]6=JH+&>&FUB\*:%#TG"P
M(..6V@^*N^,[ZD6@\@$]3Q84-"E-"FK*[5'5!%\KBJX-0A0^D+VS\+8=(!^6
M8=R*^HE@L8%[7BH,/Q&N:!L(/' ;4WTX2)I&R<!K,G0*DM7RVN 9#@G$K13C
M=NV;+A3[N^CE@?%W_&M^=GYV&09O:R5G-A@E2W9 04B]O:_5DEQJL)E'+G3F
MUMEA0/F -./VR9LB. ]UV=AGRLM%[2B[^;#*7W<<J&]S_B>NYM6@]:7US+!B
M@E0:DJEUW5H*J%W^0$@55 Q&%M=E47QVH'$[TPT.K;:&'ADU6^O,%^^7"XQQ
M11.C5EV?KV<Z8K#1)W!21%(A<T!A W#O5(PA%J:[8.61C^^$$/=B$=+"J)/9
M\D[*AVVKQ_QK.M^US;VTUY;>^=/R]7*U6OY)@[Y;_!&_+)>G?UMAS">K[?OD
M.CMF4@:;8TD@7'W3Z86GG9Y%R,8EP4I1C/M>^][!(G7"GW^Q^!O+>2^S-/#U
M.<W5O%Z_69Z%^6([V$ E@$^,=(12OZYZ#E_2EW74,A8'3-A">:@)$)@(8#*S
MS#$7F&Q]<GJ,DKXK [^*_SF?[SJ-KU]?W/IN=[.42B9M4P&AM*\OZV,]HF0@
M$X^VZ)*T<(VU[ROC)*XV#D7.XT5\ SAJ O<5#VBU*[B)TB8=,HBMS:KU4)/A
M>%2&!RM3NGM*?##>'A%E*I5U0_A_V=X9$\54W!(.YLOJC((Q164S6&$=S<B
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MWWOX_O9Y]3"F?ID+TA^U_R6M\__O,H*^^ON!%JCGACO"@M5+XR.0)7J'VO$
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MXC,5;<X1,VCZ0-I+> #'?('"(JVAB;/B6C-2["/G.)'!BP)Q+U?NOR+?@>N
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M+#^%-?. C@")!Y=J1P#M.)G/IFT?WP2ZF%AI=CAM6:U7RI^[]\,^@#VVIR<
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M!/2P_"0NRPXIN!)<2\=TW9-,M6+QE9HX@M%)22P!=?,3VY^\M&X?R![;TY.
M=>=#%J.%E9YFJ$<C05GDE:W!@<T8.<UDKD/K6KL?F_[BD+AU$*]-C\O@J2O
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M=-=DY X_+VP6' Z&%WE\0[]1F6GG9;ZK,?HN8Y_QD+(HI+2VL=#^9S(XRD-
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MU8E9ION0W>#XTUQ(#N6LT3?ZOS+-K8NJUO?G^KM%_W4F!US^Q5TU-8O:,.-
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MC.:NR[N)QT<8-Y <'#"-3/L#U>4^\5;IYHW2+[D@+=#'+,/=1ZZQJFX/MN&
M1;;&,,]K=QGI8@"E*?8+-M:6@\9)%IADLG77LPD5V1K.6?!&@.3.U0,-6O5U
MY8NUQ5FE:1L0K<FV?Y@BVS[(:55DV\=?4SLZ.JB2+M<VHSQ;2*X^^:R]39 )
M#19%"D7I'%CK_ID_>9%M+Z@-5F3;Q^\3 /R3!7\NQ^2BS& =K1K;YLM!UPMF
M)0R%4"F6T+J6[6<HLNT%D3Y%MGW\->$B6V<2E_6Z(3-/N8#E$5P(M&,9'ER0
MON3,.N1$+[/(MI</.Q;9]C'H!-:DYVOV>,2(S/!:I%>S11? *55[UWK-K;"9
MQ]8-X'[0(MM#-LVV?IHZ\*[JK:(UJ=+JB< ]*.$D>(D&HDI!9:E$B>J8T)O"
MUM@8"/L4V?;PR@2 =NLL\\$ZO*MU.V5D.F[IK>N9N2N SB>0WK@B"_.V^5N"
M;I)-&&[[ &(YN'<F@+E?+X^D?L=JM,T%[0I/:N<5*\E5YM#:'EX%!9Z9""$I
MFP,/:&+KM]S])'P!I;D'8'! ;TT B\^VI=UN&L8P$XQ7P+FN%]P&P9LH 8V4
M#IV+(1VC!?H]P5YFI>\AD5Y[?[T$$%Y.8U32:K(<<*UH&A?GP6==;ZY39J9(
MGD7K7;BC:.-NPP. HB_L]O#0-&H+\/35>ITWEVVR3U:W&F6;!QIE&^9JAVX#
MQ5=:(VY-/;1/8-"ZZ(I.+-YYR_!4F4&_P2<.LGT@<+_@8$!_3&"EZWP++Z(A
MA6P&H4D;Q;,#K]""#P(]DZ@T;\VC_F,7Q#:[DVCEM0F@L04A,(6U6D:DT)K'
M0M/=,_"""^!9)B<Y2Z*TO@0_&COTZ+4XO? T -MS'^>^ #S?JQBYKS.?Q8S:
M,T0H2C-01I3:(])!Y#D(II'STCK=;B'W"RE_'1+1S=W[ ]6B77)H_D&#GS]
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M;ZK]#B#_?G.5B:VZE]P<3!A"*IPHYE&0"#/WX +M'XF^9AF\9:ZYV_Z0B!E
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MX/F4E>@O$S]L4?QM+B<UU/312#]M )A^O_R$J\\O1_V\UM[[.H*]6$EJ,"2
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M1CM 20Q\S2-HC,)SQZ(:U/7C=!0/6PE_@[3I:77_;2V,72$L(8(SC R^%+"
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M'8#N-A9\%@SCVCL'K/;2476$8W2)$=U!L:QD8=BZFNOVW=V>:P=J==E Q!U
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M:EV=*B&@%<&>T&&;=X'.7E YLD!G'[UU ,N7"T'$=D2X(7.:*3*GLW00C//
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M>C35<)26?O0R1Y>0L>9#KIX@8_IDVI%Z?SFCNK^H.S@6G\@Q.R&C")C NZ1
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MS^^\^O3M;F79Z4!E3\:>4NOKQ;O(_!+_0[;";OE9@[7&[D/K,*VR-FGK5!:
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M]L6[[S\JE[*13GMK07-A*<I "Z%$!QA3$CQF%USKY:6[G&^D*9S- 3683#K
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MF$N8^RFJW)6X$U6P(R#\^,JX!]Q.9X[2WNRY.Y<=<TH&D7*RNKG5)4Z1KY%
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M<;U9X?TTQ)JA37%Y(;/\X9KW] -_SF>+6Z+87&PB6B_JW'M&'* ,CMDZ:BD
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MWZTN!SS*I JW#F32!10OF1A+X;PD2F31+(O2NC'UH7-T@KM1$7(O43M07!U
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M12(=@.N^3U@K8XX\&!$#\)@R^8$BP2?B3K+::6*<SJKU[=_#)^GJ,;4?K]M
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M<JLO<;&8K(+Y4:*!^-P7 MBV<%2 8V.TY\O@6CKAB+2E^_D.PTDK(6T%2]D
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MH773 .SVL6*<UT'AA+"5'/'H C+8*&1%4%(JKX@L'8"="JO!/.XA8%5*]@W
M:+N/^+5;S_U=,Q5C4HH$CB*)!'%.7)XB+)"CVF&&E7.D](5*+\+J^NH#6JR"
M^F@69'?RTLY0JWEN\D13'E#"D-:&(*F"S9/G92H^+W(_194MUCD=^H*J:<.O
MWSSK4S=[Z'BNKZ/"HG.WS.;7["-*%:<.-I-9SG25W"*-%4-6:2NE"4EL%H_M
M<_./(Z)RO]B"2'CJ_)]!+>T8NDUF;[G[VKV._XR3R4,.112YX"<AHG+[+[9,
MQ'C8O 3+W!P_.E6Z<.9P*NM&!@,@\TP*:P"2/3CB6@:"240ZQSM<A8@LI;G]
M5]2&4RRY*'T37@AR@YW! T*NL$(:@-AV8>UCT%(>J60*T1!<;A+ND)&*(.%
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M?O+<BF5>F1Q$=Z'')/G!5)S.5Z"?AL]QL7["LB4\,CAP\ T= M\0+%K(R(3
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MZ3"*V$O$%=>P=8@$\^\L=XQPX4MW7#V*T'YH_4M?] ROX)?0@"!W6^ZF^;E
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MP'/D<K $DO::IB0(*;W12M+?1N1[.JJ>@^NY5-PBO',YQVK^_(JA3].O,QO
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M<3V;SC]WD\G[U:W&B!D<&;$.HN_$$8_1([=J.$^CHY0F0D1A<0W-4\-O 0[
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M)F[6F\HGX7 $X6";-U6"7>"  D0]9CXJ8V0H?66YDYBVO+JC5/T\?(Z0>WL
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MB0@VBK94+!8A3@8&%6$(3TG@<,1( _%DHGRB!KQ.SA=AO)1,P272P5_A"Y7
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ML$L0)T]$]VB/XYLS#^ZBZ:.]_9WK7>\\%%O..CG.86L%6:;A4H=A0375\UO
M_+BD48US6X50,&K&M9K BU'Q'^4-^V@+]%8I2ES(5\MZ=IXW\/Z(;]$)QWY:
M&:%OG\P2%;EV#)L5>D+N?)V O0RUWE6NRVJ&YT(1YYH 3:<MKX(+/17%O45A
M(XYWWG5ZWA)R&!AQ%[+8[.V>HW-V]R+!E ]'-DOB?#I#)47% 9J;PAPYC8!&
M)F_Q'H;(1///U3/"),X%(7Q6^$2LOKE7)+<LW5-D#DM!Y?+.400YPL/0#%5^
M;^'_G2M,J-ADL._][+7G\'',]DYU[/+\?+MG;4ADKDUUPJG[G,.W$$LZ+67Q
M5K9/0#(-3:3SDD8\-V$=%-W6D85K4GBE2O++.6!XE7/*JC3/!3XK-;L=.9@.
M&O*4M-5#"5_F83R<2JJ/#, .(CB$<2C\:_36\<KTM$N,KT<_H$+X(V1&5+B#
M=ES&*)SE!WU6:/N.8IE'=G#;X^[:6ZMRGBTTV<%.GU]^3$F/NB@^''\K\VK%
MJ48+1WZ2B:\XB4%CINI9[V"IO%A2J:5(9[LZ#0)=O],$"-4*&CB5-CEA+",Y
M45K$-&1UD(LV19P]7S)$G,L\""\#+T%1Q:"X>!*(C/$&?56$B"*&$?#"FI)2
M<YQ-Y6WEXHO2Q>SZKMR CI? O>,X;> S5+&*,69$/H@<)#Z<<A<&KH6!C[HP
M<!<&[L+ 71CX_F**Q,-,)$49?UU(H!#H>1?T+Z+D M.VB>XHO"B0[(HZ+7?Z
M1I*51=\WMHU:5?5WV+*J/]/$X<_1Z=NS/]L/8U"Q%DH $VRS5W&OV2&VB'/,
M;04919XV%0:)C!H0\T.&(5,:6*P\'%A/,QQG%H?:PFA(U?7P%EVHWS"&/2<:
M6BT..;<WCL+EG9&>'8V@ H9*"4Q9>!<Y2-3]O?&S_KZVXE;@IGLB@#.XMEAC
MU\/L6%Q0Q_U)MQ+F&]B=DV7MH:G)1FZ8>\_::5PN4JT[H2@;&&L5(V[U>RCV
M[TPFP$*()6'VL,U9+*P[2O8H6,B]0)&W1."_%[5$39[=RLK!N]&"3N(<4X%Q
M'L);2D$9HW,9^;3JG.,QEO"&D6;IY+J>J22P(P9 A'=4&S5-YN\<#&LPQPB8
M3T01*N@3 D-7A!9(B40]TT? 1R\#9WAJ@ L8W9D?)Q_#H\98^HHB14NBHV=
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M33X+J<L,@8FMITJ'MMQIJ=>41^@Y3*XTE-,;ZSX *R8:H0ND8P1=O%&P.Y1
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MF4Q!80&J]/_.56K"+-2PS>@,V(V9#H)I2$:>65)<R(,+P_C+,8QB<# 5G*2
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M@?11G/:%(C+9$9$[\\(:,'=GE)WQ"4Q/5,:PDPX[$:9.Z0!9+JL8B])F<UP
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M\>M=/O"E1GN-WXT<AN]5_@102P,$%     @ &H146C/#Q56-!P  R"(  !0
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M!G$T?KW+)[[=:*_Q2Y+#\ 7+_P!02P,$%     @ &H146LR571EZ!   ?1$
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MN.793]]8G)1DC"_#MY%DA+]M*I(K1U')TLJLV%\T] ,$96^O*J![.)NSG*Z
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MQ&<0_"";WTBUO+^M%LNQ,615+\$&I @&B/%7P_ZZE(0)K&6!ZU%7S=)FDJ:
MPZA.$&LJ"RRCM,RH9+-,,6#,3&B]4-&K3*NB\X)6_4O>6[3-I_%=\?CLVKTD
M[X^1_I336/^NE,SQ\0[86F\(5I$PI>L0(1<Q%38"2TDAJ;_^,HB9+%*R\EEN
M$C6#!O6$(5>*9^8$>*D;9D32>EXS8V6NS\&=?K/7;>NCL$)Z5;R>N#XE-\TI
MN:7B;5N_U^P[CYN=IKNQM4SL*CXBD*B+-XUVXYX0?*^X!O<N45H;6R!X\5+K
MS:GJWCD82/.$Z7@QGID=;A:\#4XWI7\"RKJ46@T($B1/60SKG)])057"%V7A
MWM[^'.1?/[A_>$[YMLC8G0J&8 M$>X-;XPVBB)>YTO_EUS3LO03REVOS!OXQ
M#45)Q*IJ[IYCSM#=>U<#&[@MTWF?>2Z\=R-1<&GV5%_0E&@5;MU1W/00T]F=
MFR$DQ$92JNTAG[C6J)_5)4O+7.[\!5!+ P04    "  :A%1:!C(RGXHB  "@
M[P  $    '-L;65X.3<Q,C R-"YH=&WM/6ESX\:5W_=78,>UCEA%T:+.D31Q
ME:R1$V5'FEE)CI-/J2;0)-L# DP#$(?Y]?N.[D8#! ]I#E$:)F5;)($^7K_[
MZC?#?!3__&8H1?3S?[WY[^WMX&T:%B.9Y$&HI<AE%!292@;![Y',/@;;V^:I
M\W0\U6HPS(/=G=V#X/=4?U3W@G_/51[+G^TX;W[BSV]^HDG>]-)H^O.;2-T'
M*OKS*W6TN]/O'N_M[NT=R?UCV3_>.SPX/@I%U-O?.]P].OA7]Q6\"H_S.UD^
MC>6?7XU4LCV4./])=_=UY_7K<7XZ45$^/.GN[/S/J^JS0@_@\5Z:Y^GH9!^>
M--_DZ1@_PM.YZ,72/M]+=23U=IC&L1AG\L3^<1JI;!R+Z8E*8I7(;7KIM#KZ
M 8Q^+W6N0A%OBU@-DI-<?LK-S^42.SN\S%S#/Y&=V?S<H9]^RJ/9WXY?=XYW
MYO^\T^FZWWZBL7E\V$(V%LF?7^V]JNW2K'NG RL/LC164?###OWO="RB"$[^
M9'?\*>C"OF@CO*=8]F?WF8ZK<#?O;^/#)[N=HR,8PWY'J&.^A+?4:!"(. =T
M&(F!_-=.YX_Q %:JP_HW/+(]^9W#\:?'', 1; EF[:> Y69(@%"J3WX Y.L?
M=T_QE^V^&*EX>O*G.S6267 M)\%-.A+)G]J92++M3&K5YP<S]1]YTCV$F>GC
MA%>W#R D/'%XBN?VXP_=PYW3U?_] 8XDG+[Y"4>V=% >[T^$@QY]\*: R/#'
MRCLS%+2$*OSCIM-J!IC!E<< ;*<&L*-&@%W\XZ^7OUS>!<='G6YU2X_<3 @\
M2>HGVLVO*A%)J$0<W,@L!_9*G/8\'8UEDHE<I0G\$*: P=.@Z>AG]XP[[.YZ
MI$7DUGUM-ZV2"*8XV<9OOOBF=U?:-# TNXMO/WT5+GL(A ^_W7QX?WNQ(C;A
M+%\=6YJ9Q=U0!N-"C]-,!FD_R(<J"QZ.00&\E:>!0*98Q/!&H.6_"Z7IS0P^
MQ"3FX9%\B+^9EV'"$!BI4$D@/\FPR-6]!$'BS0._X!OR'E< CXLD$&&8%DF.
M"H/VE@=_%S%]V]?I*!C!]QJWD*0)CA@KV)(,)BH?THA]MT<MQZDVPWEK+@"I
M=?!;Y[83]"7\"4]FL$2M<@70C\4DP\7A8G14'1HF'F6P4I2)2:1P'QF\FP=]
MF&<8#*66*ND$=PCJ$GP*6 9,24"B!4_+$2L+ RC<RI"@T]UYRX<F@XM/X5 D
M QF<A3G-C5^^4QEM[*:(9=8)+GU@YD.1+QNH/3M*D&H8?AIH^(!_:SG  \=!
M<MP9@VT,IQ%JU9,!4@;^2H#V=P$/ 9Q4EA%X #0T%R(9#-]>98L__K!_=&K>
MJZX1X)[K-#9P*,&<#44<!ST$J"! JR2,BPC4LB(<5M?GC>^ML_- )G,.\J"G
MU:K,I9E$@Z_#V5;C#V\E4(K!X2(#]"2*K(-T*(!P\1Q&4B1P#CZ^PPON,+N=
M%R!K=M=,UIQ]^/#N\OSLE\MWEW?_?!X2QR"/& -?EBPZ$J!O*P+>]_L*!,./
M/[S>[1Z=9L"X4*."7[9[ G'P?*&(:)9?2S'/@\SI\T'&O35#Q@_O 1?_&=S>
MG=U=7%U<WSV.WO<.OPF(NRN"N+LN(-[O[!Y8R$2@16DB@1,2NOCFJY]O/-WJ
M0NLTD6F1@2YQ-A$ZJI'.0RABA@*>C'MXLD?FF1$RH=)A,0)B!TXQHWN1JC-1
M(*=R,#,'H)^(B@ZZB+T\4F =[G7V#KX)#J]F% (.?RTL7F4!->!T#I=@\=D(
M57R4"Z"L&92&@YE[%E4B.7@R[+Q<31:U?5W7J%"@DF:@)O> 5L=@P(QS^,,@
M*5LT,^(Q(VN((06J*TQA[*ME=-\)@E^-WBSN4\7F"ZPV2HL>K$U^"N48-.PY
M2ARBTEX;OTE2L].1F%9V!%81C>"61Q0(A O*.9$C@\G\:-7[9:LFCQ/\<]D/
MME2+1T %(B3/J@]H:]!= 4P+77G,F:"QO!<P^;)9<=4"T"@-/\*YJ)",GCS-
MT1P<"BV':8P&CY9YH1-4?W'"-G&@+657Z?9)=L8J4R8IX&[1^P-@CDL&:W8H
MX5_H<D2L$'%HK:X(3)80D860!*=3"9S9J*(<S<?"QYQ$:4=%$HU=((,H8-;)
M9J!%!*? .>0&V@!##8US.YGL]W&3YE.SZV'.J*N>2C&& 29#!;"G S ,A993
MV==$X%)#"406-9G+34HJV#[E2V0:+]16Z91$U<F!&]K=.1VG:4Q_=D^-]X'7
M/'M ^"0MM@G^"P@A"[; 7H<#)3J$P29#B5:[/X4(<V ES'QX3[VI,;_K.W_,
M"EK,^\"F1B )L.8C!1B@)?(@@ZWW(BYD=:^*\2TW\2*8>!F2,@W2>2^<C,9W
M",T62<06R91?7WB>RZ'DZ!)G<DSLKG*HJU.<)7V&M$!/RW8N/B'P5?9T O[5
MSR](4=I]/HK2^UZL!L;]EEK&-E]/6J;8[Q_0:3RA9Z#.X]/*!JU"M*H(C>18
M$DXAL:#2H/HH*296[AD'<N2Y@YW4 ;FOT4\<R^C''PZ.3_%%$NG(&/JBB$MY
M.4OS5KTJ?=42EJS)[YD2RQ4A&R>Q% A_XCB/]%P\'\K:>SZ4=4%:,-N/:=!(
M9\^4S*[3'",+:"P3Y@$^YT.#@HBTY#T78!J72G]&6G\7?M9I,1C2IUV*9*3]
M)F,&::_GXA:13[KXT'+RG5&]MCZU[.)F0RH8/U)$51A1BD61 ;3FGHX!QL%Q
M9P?CMN,THP%/*$H%5#PWR\,F,I2OB%Z6QD4^^\K3G&RW*2#/_Q[JTE8>@"8#
MBM3';=$'Y>U$Q!,QS5YMDE\VR2^;Y)>OE/RR;C* A#$P=%!'^,]=TG:0_69]
M189L%&Q-6Y:WCU2>2QEL8?0W&(D_4JWRJ=5_4+FP>A:[(U#3@97=HU0QQOLO
M*?#Y%EG+(Q&!:N1,1QL]%GG%*[N2)V*2%G&$HD:-QAI5*O+R@+[V^O1Q6M/K
M[M,J2/!/\*0!7P0['V(@/R&@P7 5BBUBC/SJ"#YK.'S\(@.C,R?QBSZGD)2(
M6H+'2L?([HZ\C SRN:(G4D:/\J&QZUA;US%K\%\9KC3BB<J!+88K0'JLTWL%
M"W_*TR:R:P.HX/A(N<)\"#Y&]-CF<PBLKM ]P),Q+G16"';N4R)!Q:_<Z3:I
MDY1>T%<ZRRWO\!R* CC3:)S[2UH)1=I!9-.03?I'?<BMK,7.UX\N0X3QFGU+
MYOSJCFBG]-KA'4)>BRP2_W;&Y%-Z:V8%V -$U^N:MO)'D>6J/WU2MKG;>5*N
M^4C!%:N/$IX(T6)![S*Y!B8*/N3BTS;&=!1)8RUSDYD4@(8,J.O[AWLRD7UE
M_!4]G8H(AA3W0L665 &9XW0J96:7Y]*LX,<^/$AH+F6^*-LL"_9WNENBM=7=
M:R'Z[G?Q4SEB)#M+'4_/QU.Q_WP\%6]5%B*"H#^8G!57,A^F$9Z,S098^\#I
M747-9*[O0@L4;$0$!_L)E1.[7185,'="8@@4!35"V:5LM&<E7X.7%&CCS!RD
M:0KV-*1\>JP_%I.VR2F$=;3I][3(@<QA8T;H]*;DB&0BXZQ3->J!4#2AKO[\
M\-18RWO%.R&5#!83BFS( H5<DYF4'WG,DATA$ :88@L"+H8C<4&Z>TDYDQCP
ME:"[90#G3.9Y;(*#F8CAFUS#J?:E;I>>2S33C0/$CH^;07M F[],I$0@O#.W
M/H7<HH]S6$5QZ>$8Q<(<R+0:-RNY93HI(S!6=3")JK!"XHUP@+$2.6>;-7IM
M[3KO6P!6.-XX)O.ER)VG#"&&\-/ ?\W?"W<.@SF%"H",6DI8T4#*GP%UY;8Y
M$3LH#](RZ[J??[SF>1>+0L1(@2I8L7)IQ \Z\,\];R^!=NL> ^'BHW$VFF%1
MPD3HZD;*=3MBMSCGW.8YGVJ5PC:J_$)5WF WB MD)X #,LO0F8OF&B9[L+X>
M ;!9RT!,R> 4)65.S:.-BMIN-?;]G>,S7_ZW#<'U*3%+(-,!C9U)V";4XQ-)
MFI2J320!V9#I5D@;M1P@'PHP]RFZS*_7I\9I6R4+)^N L+^:\3]OQ2\A'7E_
MS3) S]Y>75Y?WM[=G-U=OK]>%<!/I'=PE(>11,ML;/)M"#^&2O9G*:'=7%$@
M(E ]%(@$79%$K-!T@N",%!I@NJ1)EVIX1>/I<5U*W#:6>(;S(GOL*19 E,F"
M3Z(+1LFL(D'\!"Q3 -*0,R8?O&,L59E=*]OD!:X%I"_K7Z( ?8<\@S B:CDE
M5.AWK''1H,7D/@S;K+J 4D5.)UP^\@2L/LF*,=;!$%<Q)1AM)RZ24*&IGF"<
M"GD83I.$4QL[LBGFG(@%$Y 97XJ?JO>1 %9]P$@B<H14#RN2<I1YK#7%T3+%
M&IL+_9JM:V$%9VU5M3J?JI#S-8<EI3 M!GWY.J=% 7U]!$"CB+8/:RJ.8?C9
MJIVL$ZP<#\0_!#%CKF%JEXY=3 &<KZ8+/E;4<6AZ3HG!3S@%_+?M8TH)IXVH
M7RCJ7=%4,]W.&OLE C;S+3PXP$?#OBX]M_Z5'/60>Y@AZ<R9%*D83-JD*D8,
MQU <R9#Y$3M/V#P"*1FKR)9P)6\+WOSFG167WL23E[WZ(%:]8/T;W&Y>0WO-
M8-(O-(J#IP5)@Q#"G.N4M'@K!,F\&Y3RS/JGG>MZ!'9>)%Q.2XG2M3S.J?>3
M8>DE-W\)*O/!NJG,5Q?7;[%:BBSFNXL;T*!7TIZ?OIKOMDQ2?U15<E6=1J1&
MCC[B4FB4;T9):]"J?;4"=-2*W6O2M>N^ _)B+=&/*D7-F?6&5WPNJ^0O52N2
MT&]H*J&9]+#>'I5O-H*M/I6DK'DU%MGV6//D="IR*?):082JT+CNJ5T.>F[*
M?+6J%O"@+$K#)%#+AUDL;%V "P[D.TRRVMTD66V2K#9)5FN:9/5$8I!TK+JL
M>:@A_EO"=3DNK.%SVOK@L_(A :F0)EC>VK-E56AOF-@):'E]:UU'6'_EZY1C
M=LO:]S%)2V B+5<)>7U/Q@4(EA#D1:PR4X/"60TO02T\7#.U\/(:5,$/-Q=W
MST077-F15+J/OFT+G+;[FFPCS^YOT+6<LY(#:L(&FHEN;*)D-MLZIIRD/F(Z
MEIK+URB$#,N*IYW@DD-J;D7U!7&F2,D4^KH@IPG5/ )(^S%J?P90%HJFQ+@<
MM'%;N%"C4EJ5.TN-ZX6#132BG>0ET/C1FM'X^[N_7MP$Y^^O/EQ<WQ*=DPUX
M_N[L]U_.SO\WN+DX?__WBYM_!C>7?_GKW>WZ,X$S] >R&=(OC2:;X%FC=]\H
M8KK!RA'X/E:R"+"VI!XO1B*FX;,V6S\>6VB*:8 0F_0$B&%ZN!HVKT0<B:RM
M_>DG3_DBLIJ\:%M]F>'L,L.T&',NARZG'_.N:\;8UKPDA59E/9A@RV7239YS
MGWDP4#%"3RE?M PQT-*$^%.L?@UB">:S;MLH/F>4^3D'Y2MD+X.I&0M-SU%6
MA?O1^G]YY[$<4'4Z']-<(+:1P4PD<"/4,AZD,K5)[4!V3C*&4BRJYOK&J_H\
MO*K#="+OU\*K6J8O9UX&F"%=JFH'A"QS%QC5#35S8QF;(:V]O*U9?L<".#1]
M39C**'1B5/Q&1C4[#)+</38\0->O6&=T;P?KXSKWFY7P0;CJ?A/FG84T-Y2T
MX>2H($;E5R>*"!.?F;'.X?I+F@O-X!6W*Z#Y7X*R]7K-E*V+?UQ<?;BK:%OK
MKU!Y5?%DF ,B5XOB,2NPJML8=N;J=IHR64V&K);!0(-&@_1:IC=*H<N.'B8J
M[ *::1@6FL.M\&B2)MO^-WW\IBRG)YK+.L$M8G9##J1MP9G-R985Z"<7H'Y@
M_'INCF2[.J8PSFRS8.J-854O$0X5+,HFVU86"_89M<[!C8PDNM4S-K(:QC90
M,3Z4,CXVF]MCHO043UMGAOW$96<B7R^P/"DX6#09.D8B90DV$9R% P3 32W8
M:)J SF(M)V03^)BAZCH-M)N(@#I:."HP3:P>6\VQ5A+H>,TDT-7E[?G%NW=G
MUQ?O?UMJS,^'[Q,5QAQ_JQZ"3411A<)!AXI5SJHAW@;KU63[N5(_4WW C2-*
M&[[6,K+)0V!M XI#+PS.VK;2ML4,QF?9.!]AHW4;[S4YD6&JQZEFEWPY;,]/
MJX('VPV]T&NIC^VJ3Z+B1,0&6@/<0-)9V/RO8FMX[7G)=JF[2Y37^2QEWX"+
M,5RX ,1;V!IJR'[C,1>%<)W9:$%?\/CFE'B8MD*5O?1D*$9>R*3S6=613TJ?
MWZAUU<KT>==$*#9%#@^-"\<E4Z^M&(#'&KM=DEM=:5/Q",)*DS\0O\O:Y@J!
M%/_T<@LK39>LBPK[TW-E+JB3#^H,O3Y'_8UZ*:W.BN'45)85W'\?3BRQ6>G(
MHG)=A*S2WX/^!70*W,J<O7,ENM!$<T:HR=BTETE8GI M+;E[H#]T@0O4>]5A
M,W-5D@MMRX=PNR9L5*T69!9-MT<8'G6;FV:8;V%?,+,L]S!0U$##N'Y-2\)P
MF"KFV)@F[H> S%<NB\ES"F_91H_S)G75<O34'X566<1"J^5[N;A0V2MX]RT>
MNRL<QQ_!#.K:OLY,/I\ 7VX6T=XFBVB31;3)(EJG+*(U-+>^41>"E67\3']S
M%$BQ4",0PL@2BEP:CQE>P(,A"HH$@BR@D@CT=K>QHAK?375SG;)7&%;60#6%
M=N?[W)=V8:Z6BE-1/M5NR'PB36O0^0IHM:"FVJE&)@-L,PP;&Z1IA+TU8-V)
M'*2Y,OG$+J-E=H).4.TY34Z@RLNV5P= (HWO36K_T@.@HF#8.[9")Y,)L"3F
M'6,=73HR;<5)0!J![@;C()G&S)-EQV4K#ZFNQKS?=LO#57%G1CPA'L-B!H6U
M*?"%<KW,&/(TQ';%.TO(LTA;Y./@GD$]!%3/U)/#R'\#G")/UYGN*5M_A N_
MPH)T^G2+S<M"7#[@42?8,BVZ_W9V=6M:=+>H_&KDWBA;6.%#\!JLCHL+82(W
M<">X4+GMN.UU*O!4*A2_L^[Z$7G^L(*#?--VUIZ)_;,]%4PT;C*AJ")F;%>7
MB%O'M;$WH1_0Q4ZUU'I&;#K;!/"N+*E:M#K6>YM&;'BT86PSKXD2U#?!1UEV
M^\0W;&_\$;9J<FJM03I'J(!.6'ME!J*>[M4'.9Z"& +S<2^$B!8(J(Z33;?[
MN/:M_8-6$('F!5_&<3JQA@UF:V"+"+SHX<8#>8E'V&R8AR-2-9HPYF\ -JN4
M2F\H48OK>>F8R<B@)B:8=(E&C0M6VG6/BLPT6"4^$,W)U*]T44#;H#>U56O.
M!B])@-E@@ 0)AYS((L=+[^P#J28/%,J6<Y'EU)ND2-",*PT7]," F<?S$:HU
M]$O!1!?/&K-;\MB/YNOJSIKKG!U*98YQMIO] G,= NVJN=/D%6C/<ON)4.:6
M,\YO\OCPS '91KD"KYR!P7MD$A&I_U%$ [:WO +(>\K5PVYWL$4NN"X!;RB
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M4$L! A0#%     @ &H146F1ID &U904 5@91 !               ( !
M '-L;2TR,#(T,3(S,2YH=&U02P$"% ,4    "  :A%1:R0" IQHP  #VD@(
M$               @ 'C904 <VQM+3(P,C0Q,C,Q+GAS9%!+ 0(4 Q0    (
M !J$5%KDRR&'1U(  +]O P 4              "  2N6!0!S;&TM,C R-#$R
M,S%?8V%L+GAM;%!+ 0(4 Q0    ( !J$5%I@'0";4!D! /S[#  4
M      "  :3H!0!S;&TM,C R-#$R,S%?9&5F+GAM;%!+ 0(4 Q0    ( !J$
M5%HC,H6SS7(  &:L   3              "  28"!P!S;&TM,C R-#$R,S%?
M9S$N:G!G4$L! A0#%     @ &H146O^2O4\;40  $(0  !,
M ( !)'4' '-L;2TR,#(T,3(S,5]G,BYJ<&=02P$"% ,4    "  :A%1:K%@K
M57U5 @!L7@, $P              @ %PQ@< <VQM+3(P,C0Q,C,Q7V<S+FIP
M9U!+ 0(4 Q0    ( !J$5%IL5J^#'ZH# -"Z!0 3              "  1X<
M"@!S;&TM,C R-#$R,S%?9S0N:G!G4$L! A0#%     @ &H146L?:/W1>VP
MK0H! !,              ( !;L8- '-L;2TR,#(T,3(S,5]G-2YJ<&=02P$"
M% ,4    "  :A%1:"8.?Q'Z! @!/!QD %               @ ']H0X <VQM
M+3(P,C0Q,C,Q7VQA8BYX;6Q02P$"% ,4    "  :A%1:L8#1Q3R) 0#QGA(
M%               @ &M(Q$ <VQM+3(P,C0Q,C,Q7W!R92YX;6Q02P$"% ,4
M    "  :A%1:-F9PD^0Z  !>QP$ $               @ $;K1( <VQM97@Q
M.3$R,#(T+FAT;5!+ 0(4 Q0    ( !J$5%HCR17,6@,  -(-   4
M      "  2WH$@!S;&UE>#(Q,3$R,S$R,#(T+FAT;5!+ 0(4 Q0    ( !J$
M5%H[<A.MV@(  ($(   4              "  ;GK$@!S;&UE>#(S,3$R,S$R
M,#(T+FAT;5!+ 0(4 Q0    ( !J$5%JW3NE*>@<  +8B   4
M  "  <7N$@!S;&UE>#,Q,3$R,S$R,#(T+FAT;5!+ 0(4 Q0    ( !J$5%HS
MP\55C0<  ,@B   4              "  7'V$@!S;&UE>#,Q,C$R,S$R,#(T
M+FAT;5!+ 0(4 Q0    ( !J$5%K,E5T9>@0  'T1   4              "
M 3#^$@!S;&UE>#,R,3$R,S$R,#(T+FAT;5!+ 0(4 Q0    ( !J$5%J%TT'!
MH@0  .,1   4              "  =P"$P!S;&UE>#,R,C$R,S$R,#(T+FAT
M;5!+ 0(4 Q0    ( !J$5%H&,C*?BB(  *#O   0              "  ; '
H$P!S;&UE>#DW,3(P,C0N:'1M4$L%!@     3 !, T00  &@J$P    $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>167
<FILENAME>slm-20241231_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xml:lang="en-US"
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:cyd="http://xbrl.sec.gov/cyd/2024"
  xmlns:dei="http://xbrl.sec.gov/dei/2024"
  xmlns:ecd="http://xbrl.sec.gov/ecd/2024"
  xmlns:exch="http://xbrl.sec.gov/exch/2024"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:slm="http://www.salliemae.com/20241231"
  xmlns:srt="http://fasb.org/srt/2024"
  xmlns:stpr="http://xbrl.sec.gov/stpr/2024"
  xmlns:us-gaap="http://fasb.org/us-gaap/2024"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <link:schemaRef xlink:href="slm-20241231.xsd" xlink:type="simple"/>
    <context id="c-1">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-2">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">slm:CommonStockParValue20PerShareMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-3">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">slm:FloatingRateNonCumulativePreferredStockSeriesBParValue20PerShareMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-4">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
        </entity>
        <period>
            <instant>2024-06-28</instant>
        </period>
    </context>
    <context id="c-5">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
        </entity>
        <period>
            <instant>2025-01-31</instant>
        </period>
    </context>
    <context id="c-6">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
        </entity>
        <period>
            <startDate>2024-10-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-7">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-8">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-9">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-10">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-11">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-12">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-13">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-14">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-15">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-16">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-17">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-18">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-19">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-20">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-21">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-22">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-23">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-24">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-25">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-26">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-27">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-28">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-29">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-30">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-31">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-32">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-33">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-34">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-35">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-36">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-37">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-38">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-39">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-40">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-41">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-42">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-43">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-44">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-45">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-46">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-47">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-48">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-49">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-50">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-51">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-52">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-53">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-54">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-55">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-56">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-57">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-58">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:CollateralizedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-59">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:CollateralizedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-60">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:CollateralizedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-61">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-62">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-63">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-64">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:CreditCardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-65">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:CreditCardsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-09-30</endDate>
        </period>
    </context>
    <context id="c-66">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:NitroCollegeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-03-04</instant>
        </period>
    </context>
    <context id="c-67">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-07-21</instant>
        </period>
    </context>
    <context id="c-68">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-07-21</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-69">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-07-21</startDate>
            <endDate>2023-07-21</endDate>
        </period>
    </context>
    <context id="c-70">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">exch:XCME</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-71">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">slm:LondonClearingHouseMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-72">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">exch:XCME</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-73">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">slm:LondonClearingHouseMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-74">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-75">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:UtahHousingCorporationBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-76">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-77">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-78">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-79">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:UtahHousingCorporationBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-80">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-81">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-82">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-83">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">slm:UtahHousingCorporationBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-84">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-85">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-86">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-87">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">slm:UtahHousingCorporationBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-88">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-89">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-90">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2025Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-91">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2026Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-92">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2027Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-93">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2038Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-94">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2039Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-95">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2042Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-96">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2043Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-97">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2044Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-98">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2045Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-99">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2046Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-100">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2047Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-101">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2048Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-102">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2049Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-103">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2050Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-104">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2051Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-105">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2052Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-106">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2053Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-107">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2054Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-108">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2055Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-109">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2056Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-110">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:Maturity2058Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-111">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-31</instant>
        </period>
    </context>
    <context id="c-112">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
        </entity>
        <period>
            <startDate>2022-10-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-113">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-114">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:CreditCardsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-115">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-116">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-117">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-118">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:FixedIncomeInterestRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-119">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:FixedIncomeInterestRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-120">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:VariableIncomeInterestRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-121">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:VariableIncomeInterestRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-122">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-123">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-124">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-125">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-126">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-127">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-128">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-129">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-130">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-131">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-132">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-133">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-134">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-135">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:CA</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-136">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:CA</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-137">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NY</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-138">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NY</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-139">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:PA</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-140">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:PA</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-141">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:TX</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-142">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:TX</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-143">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NJ</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-144">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NJ</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-145">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:FL</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-146">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:FL</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-147">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-148">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-149">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-150">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-151">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-152">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-153">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-154">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-155">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-156">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-157">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-158">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-159">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:CreditCardsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-160">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-161">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-162">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:CreditCardsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-163">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:CreditCardsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-164">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:CreditCardsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-165">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-166">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-10-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-167">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-168">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-169">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-170">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-171">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-172">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-173">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-174">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-175">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-176">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-177">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-178">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-179">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-180">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-181">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-182">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-183">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-184">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-185">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:InterestRateBelowMarketReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-186">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-187">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">slm:InterestRateReductionAndTermExtensionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-188">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-189">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-190">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-191">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-192">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">slm:FinancialAssetEqualToOrGreaterThan60DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-193">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">slm:FinancialAssetEqualToOrGreaterThan60DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-194">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">slm:LoanDefermentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-195">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">slm:LoanDefermentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-196">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-197">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-198">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-199">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-200">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-201">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-202">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-203">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-204">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:WithCosignerMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-205">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:WithoutCosignerMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-206">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:CosignerMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-207">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscorelessthan670Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-208">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore670699Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-209">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore700749Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-210">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscoregreaterthan750Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-211">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-212">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscorelessthan670Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-213">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore670699Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-214">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore700749Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-215">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscoregreaterthan750Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-216">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-217">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-218">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-219">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-220">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-221">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-222">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-223">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-224">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-225">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-226">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:WithCosignerMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-227">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:WithoutCosignerMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-228">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:CosignerMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-229">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscorelessthan670Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-230">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore670699Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-231">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore700749Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-232">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscoregreaterthan750Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-233">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFicoMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-234">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscorelessthan670Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-235">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore670699Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-236">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscore700749Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-237">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CreditScoreFicoAxis">slm:FICOscoregreaterthan750Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-238">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:SchoolFICORefreshedAmountsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-239">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-240">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-241">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-242">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-243">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-244">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-245">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:RepaymentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-246">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-247">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-248">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:LoansInSchoolGraceDefermentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-249">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:LoansInForbearanceMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-250">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-251">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-252">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-253">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-254">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:LoansInSchoolGraceDefermentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-255">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:LoansInForbearanceMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-256">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-257">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-258">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-259">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-260">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:LoansInSchoolGraceDefermentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-261">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="slm:CreditQualityIndicatorsAxis">slm:LoansInForbearanceMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-262">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-263">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables30To59DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-264">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivables60To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-265">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-266">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:StudentLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-267">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:LandAndLandImprovementsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-268">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:LandAndLandImprovementsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-269">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:BuildingAndBuildingImprovementsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-270">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:BuildingAndBuildingImprovementsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-271">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:FurnitureAndFixturesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-272">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:FurnitureAndFixturesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-273">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:SoftwareAndSoftwareDevelopmentCostsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-274">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:SoftwareAndSoftwareDevelopmentCostsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-275">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:NitroCollegeMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:TrademarksAndTradeNamesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-10-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-276">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">slm:PartnerRelationshipsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-10-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-277">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:TrademarksAndTradeNamesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-278">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:TrademarksAndTradeNamesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-279">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CustomerRelationshipsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-280">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CustomerRelationshipsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-281">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:DevelopedTechnologyRightsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-282">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:DevelopedTechnologyRightsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-283">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">slm:PartnerRelationshipsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-284">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">slm:PartnerRelationshipsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-285">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">slm:Sallie.comDomainMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-286">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">slm:Sallie.comDomainMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-287">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:NitroCollegeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-288">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-289">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:TrademarksAndTradeNamesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-290">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CustomerRelationshipsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-291">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:SchollyIncMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:DevelopedTechnologyRightsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-292">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">slm:NitroCollegeMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:TrademarksAndTradeNamesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-12-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-293">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-294">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-295">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:FixedIncomeInterestRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-296">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:FixedIncomeInterestRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-297">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:VariableIncomeInterestRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-298">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:TradingActivityByTypeAxis">us-gaap:VariableIncomeInterestRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-299">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-300">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-301">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-302">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-303">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-304">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-305">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-06-14</instant>
        </period>
    </context>
    <context id="c-306">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-06-14</startDate>
            <endDate>2024-06-14</endDate>
        </period>
    </context>
    <context id="c-307">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-308">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-309">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-310">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-311">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-312">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis">us-gaap:SecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-313">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-314">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-315">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-316">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FloatingRateBorrowingsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-317">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FixedRateBorrowingsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-318">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FixedRateBorrowingsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-319">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FixedRateBorrowingsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-320">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:FixedRateBorrowingsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-321">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">slm:BrokeredDepositsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-322">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">slm:SecuredBorrowingsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-323">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueOctober292025Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2020-10-29</instant>
        </period>
    </context>
    <context id="c-324">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueOctober292025Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-325">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueFebruaryXX2028MemberMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-01-31</instant>
        </period>
    </context>
    <context id="c-326">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueNovember22026Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-11-01</instant>
        </period>
    </context>
    <context id="c-327">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueNovember22026Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-11-01</startDate>
            <endDate>2021-11-01</endDate>
        </period>
    </context>
    <context id="c-328">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueNovember22026Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-329">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023AMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-31</instant>
        </period>
    </context>
    <context id="c-330">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023AMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-03-15</startDate>
            <endDate>2023-03-15</endDate>
        </period>
    </context>
    <context id="c-331">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023AMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-03-01</startDate>
            <endDate>2023-03-31</endDate>
        </period>
    </context>
    <context id="c-332">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023CMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-08-31</instant>
        </period>
    </context>
    <context id="c-333">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023CMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-08-16</startDate>
            <endDate>2023-08-16</endDate>
        </period>
    </context>
    <context id="c-334">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023CMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-08-01</startDate>
            <endDate>2023-08-31</endDate>
        </period>
    </context>
    <context id="c-335">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024CMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-05-31</instant>
        </period>
    </context>
    <context id="c-336">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024CMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-03-15</startDate>
            <endDate>2024-03-15</endDate>
        </period>
    </context>
    <context id="c-337">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024CMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-05-01</startDate>
            <endDate>2024-05-31</endDate>
        </period>
    </context>
    <context id="c-338">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024EMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-08-31</instant>
        </period>
    </context>
    <context id="c-339">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024EMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-08-14</startDate>
            <endDate>2024-08-14</endDate>
        </period>
    </context>
    <context id="c-340">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024EMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-08-01</startDate>
            <endDate>2024-08-31</endDate>
        </period>
    </context>
    <context id="c-341">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024FMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-11-30</instant>
        </period>
    </context>
    <context id="c-342">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024FMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-11-06</startDate>
            <endDate>2024-11-06</endDate>
        </period>
    </context>
    <context id="c-343">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024FMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-11-01</startDate>
            <endDate>2024-11-30</endDate>
        </period>
    </context>
    <context id="c-344">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023AMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-345">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023CMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-346">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024CMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-347">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024EMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-348">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024FMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-349">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABSTransactionsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-350">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-351">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-352">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-353">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-354">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-355">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:ABCPBorrowingsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-356">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityPrimaryBeneficiaryMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-357">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023BMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-05-24</startDate>
            <endDate>2023-05-24</endDate>
        </period>
    </context>
    <context id="c-358">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2023DMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-11-07</startDate>
            <endDate>2023-11-07</endDate>
        </period>
    </context>
    <context id="c-359">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024AMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-03-13</startDate>
            <endDate>2024-03-13</endDate>
        </period>
    </context>
    <context id="c-360">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024R1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-04-09</startDate>
            <endDate>2024-04-09</endDate>
        </period>
    </context>
    <context id="c-361">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024BMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-04-11</startDate>
            <endDate>2024-04-11</endDate>
        </period>
    </context>
    <context id="c-362">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SMBPrivateEducationLoanTrust2024DMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-06-28</startDate>
            <endDate>2024-06-28</endDate>
        </period>
    </context>
    <context id="c-363">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-364">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:PrivateEducationLoanSecuritizationMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-365">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-366">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-367">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-368">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-369">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-370">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-371">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-372">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-373">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-374">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-375">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-376">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-377">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-378">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-379">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DepositsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-380">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DepositsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-381">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-382">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-383">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-384">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-385">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-386">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-387">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-388">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-389">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-390">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-391">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:VariableRateAxis">slm:LondonInterbankOfferedRateLIBOR1Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-392">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:VariableRateAxis">us-gaap:SecuredOvernightFinancingRateSofrMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-393">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:VariableRateAxis">slm:ThreeMonthLIBORMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-394">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-395">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:A2020ShareRepurchaseProgramMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2020-01-22</instant>
        </period>
    </context>
    <context id="c-396">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:A2021ShareRepurchaseProgramMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-01-27</instant>
        </period>
    </context>
    <context id="c-397">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:A2021ShareRepurchaseProgramMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-10-31</instant>
        </period>
    </context>
    <context id="c-398">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:A2021ShareRepurchaseProgramMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-10-20</instant>
        </period>
    </context>
    <context id="c-399">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:A2022ShareRepurchaseProgramMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-01-26</instant>
        </period>
    </context>
    <context id="c-400">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
        </entity>
        <period>
            <instant>2024-01-24</instant>
        </period>
    </context>
    <context id="c-401">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:A2022ShareRepurchaseProgramMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-402">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:Rule10b51TradingPlanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-403">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:Rule10b51TradingPlanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-404">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ShareRepurchaseProgramAxis">slm:Rule10b51TradingPlanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-405">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PlanNameAxis">slm:A2021OmnibusIncentivePlanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-406">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:EmployeeStockPurchasePlanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-407">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-408">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-409">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-410">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-411">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-412">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockUnitsRSUMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-413">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:PerformanceVestingStockOptionsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-414">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:RestrictedStockUnitsAndPerformanceStockUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-415">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:RestrictedStockUnitsAndPerformanceStockUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-416">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:RestrictedStockUnitsAndPerformanceStockUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-417">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:RestrictedStockUnitsAndPerformanceStockUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-418">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:RestrictedStockUnitsAndPerformanceStockUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-419">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:EmployeeStockPurchasePlanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-420">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:EmployeeStockPurchasePlanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-421">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">slm:EmployeeStockPurchasePlanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-422">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-423">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-424">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-425">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-426">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-427">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-428">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-429">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-430">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-431">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:RetainedInterestMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-432">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-433">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:RetainedInterestMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-434">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-435">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:RetainedInterestMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-436">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-437">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:RetainedInterestMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-438">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-439">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis">us-gaap:RetainedInterestMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-440">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:InterestIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-441">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:InterestIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-442">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:GainLossOnInvestmentsMember1</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-443">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">us-gaap:GainLossOnInvestmentsMember1</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-444">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-445">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputPrepaymentRateMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-446">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputPrepaymentRateMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-447">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:WeightedAverageMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputPrepaymentRateMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-448">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputDefaultRateMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-449">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputDefaultRateMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-450">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:WeightedAverageMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputDefaultRateMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:ValuationTechniqueAxis">us-gaap:ValuationTechniqueDiscountedCashFlowMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-451">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-452">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-453">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-454">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-455">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-456">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-457">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-458">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-459">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-460">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-461">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-462">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-463">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-464">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-465">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-466">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-467">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">slm:MoneyMarketandSavingsAccountsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-468">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">slm:MoneyMarketandSavingsAccountsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-469">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">slm:MoneyMarketandSavingsAccountsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-470">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">slm:MoneyMarketandSavingsAccountsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-471">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">slm:MoneyMarketandSavingsAccountsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-472">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">slm:MoneyMarketandSavingsAccountsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-473">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">us-gaap:CertificatesOfDepositMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-474">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">us-gaap:CertificatesOfDepositMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-475">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">us-gaap:CertificatesOfDepositMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-476">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">us-gaap:CertificatesOfDepositMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-477">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">us-gaap:CertificatesOfDepositMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-478">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByLiabilityClassAxis">us-gaap:CertificatesOfDepositMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-479">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AdjustmentsForNewAccountingPronouncementsAxis">us-gaap:AccountingStandardsUpdate201613Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2020-01-01</startDate>
            <endDate>2020-01-01</endDate>
        </period>
    </context>
    <context id="c-480">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AdjustmentsForNewAccountingPronouncementsAxis">us-gaap:AccountingStandardsUpdate201613Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2020-01-01</instant>
        </period>
    </context>
    <context id="c-481">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:CumulativeEffectPeriodOfAdoptionAxis">slm:CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-482">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:CumulativeEffectPeriodOfAdoptionAxis">srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-483">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:CumulativeEffectPeriodOfAdoptionAxis">srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-484">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:CumulativeEffectPeriodOfAdoptionAxis">srt:CumulativeEffectPeriodOfAdoptionAdjustmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-485">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:CumulativeEffectPeriodOfAdoptionAxis">slm:CumulativeEffectPeriodOfAdoptionAdjustedPhaseInAmountsRemainingMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-486">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanNameAxis">slm:SallieMae401kSavingsPlanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-487">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanNameAxis">slm:SallieMae401kSavingsPlanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-488">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanNameAxis">slm:SallieMae401kSavingsPlanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-489">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-490">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-491">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-12-31</instant>
        </period>
    </context>
    <context id="c-492">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesBPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-493">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-494">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-495">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-496">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-497">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-498">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">slm:ReportableSegmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-499">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">slm:ReportableSegmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-500">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis">slm:ReportableSegmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-501">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueOctober292025Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-02-18</startDate>
            <endDate>2025-02-18</endDate>
        </period>
    </context>
    <context id="c-502">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">slm:SeniorUnsecuredNotesDueOctober292025Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:UnsecuredDebtMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2025-02-18</instant>
        </period>
    </context>
    <context id="c-503">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001032033</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">slm:PrivateEducationLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-02-06</startDate>
            <endDate>2025-02-06</endDate>
        </period>
    </context>
    <unit id="usd">
        <measure>iso4217:USD</measure>
    </unit>
    <unit id="shares">
        <measure>shares</measure>
    </unit>
    <unit id="usdPerShare">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>shares</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="number">
        <measure>pure</measure>
    </unit>
    <unit id="security">
        <measure>slm:security</measure>
    </unit>
    <unit id="payment">
        <measure>slm:payment</measure>
    </unit>
    <unit id="counterparty">
        <measure>slm:counterparty</measure>
    </unit>
    <unit id="numberofcompensationplan">
        <measure>slm:numberOfCompensationPlan</measure>
    </unit>
    <dei:AmendmentFlag contextRef="c-1" id="f-38">false</dei:AmendmentFlag>
    <dei:DocumentFiscalYearFocus contextRef="c-1" id="f-39">2024</dei:DocumentFiscalYearFocus>
    <dei:DocumentFiscalPeriodFocus contextRef="c-1" id="f-40">FY</dei:DocumentFiscalPeriodFocus>
    <dei:EntityCentralIndexKey contextRef="c-1" id="f-41">0001032033</dei:EntityCentralIndexKey>
    <us-gaap:InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration contextRef="c-1" id="f-827">http://fasb.org/us-gaap/2024#DeferredIncomeTaxExpenseBenefit</us-gaap:InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfCashFlowsExtensibleEnumeration>
    <us-gaap:InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration contextRef="c-1" id="f-828">http://fasb.org/us-gaap/2024#IncomeTaxExpenseBenefit</us-gaap:InvestmentProgramProportionalAmortizationMethodElectedIncomeTaxCreditAndOtherIncomeTaxBenefitBeforeAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration>
    <us-gaap:InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration contextRef="c-1" id="f-829">http://fasb.org/us-gaap/2024#AccretionAmortizationOfDiscountsAndPremiumsInvestments</us-gaap:InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumeration>
    <us-gaap:InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration contextRef="c-1" id="f-830">http://fasb.org/us-gaap/2024#IncomeTaxExpenseBenefit</us-gaap:InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration>
    <us-gaap:InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration contextRef="c-7" id="f-834">http://fasb.org/us-gaap/2024#Investments</us-gaap:InvestmentProportionalAmortizationMethodElectedStatementOfFinancialPositionExtensibleEnumeration>
    <slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted contextRef="c-131" id="f-897">P1M</slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted>
    <slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration contextRef="c-133" id="f-908">P2Y</slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration>
    <slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted contextRef="c-131" id="f-1175">P1M</slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted>
    <us-gaap:ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration contextRef="c-9" id="f-2010">http://www.salliemae.com/20241231#AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets</us-gaap:ImpairmentOfIntangibleAssetFiniteLivedStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration>
    <us-gaap:DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration contextRef="c-10" id="f-2481">http://fasb.org/us-gaap/2024#GainLossOnDerivativeInstrumentsNetPretax</us-gaap:DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration>
    <us-gaap:DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration contextRef="c-9" id="f-2482">http://fasb.org/us-gaap/2024#GainLossOnDerivativeInstrumentsNetPretax</us-gaap:DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration>
    <us-gaap:DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration contextRef="c-1" id="f-2483">http://fasb.org/us-gaap/2024#GainLossOnDerivativeInstrumentsNetPretax</us-gaap:DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="c-10" id="f-2676">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
    <us-gaap:DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration contextRef="c-8" id="f-2695">http://fasb.org/us-gaap/2024#OtherAssets</us-gaap:DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration>
    <us-gaap:DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration contextRef="c-7" id="f-2696">http://fasb.org/us-gaap/2024#OtherAssets</us-gaap:DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration>
    <us-gaap:DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration contextRef="c-7" id="f-2713">http://fasb.org/us-gaap/2024#OtherLiabilities</us-gaap:DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration>
    <us-gaap:DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration contextRef="c-8" id="f-2714">http://fasb.org/us-gaap/2024#OtherLiabilities</us-gaap:DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration>
    <us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList contextRef="c-1" id="f-2744">http://fasb.org/us-gaap/2024#OtherComprehensiveIncomeLossBeforeTax</us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfOtherComprehensiveIncomeExtensibleList>
    <us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList contextRef="c-1" id="f-2781">http://fasb.org/us-gaap/2024#OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax</us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList>
    <us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList contextRef="c-440" id="f-2788">http://fasb.org/us-gaap/2024#InterestIncomeExpenseNet</us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList>
    <us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList contextRef="c-442" id="f-2791">http://fasb.org/us-gaap/2024#GainLossOnSalesOfMortgageBackedSecuritiesMBS</us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList>
    <us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList contextRef="c-443" id="f-2792">http://fasb.org/us-gaap/2024#GainLossOnSalesOfMortgageBackedSecuritiesMBS</us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList>
    <slm:VerticalRiskRetentionPercentage contextRef="c-1" decimals="2" id="f-2889" unitRef="number">0.05</slm:VerticalRiskRetentionPercentage>
    <slm:VerticalRiskRetentionPercentage contextRef="c-9" decimals="2" id="f-2890" unitRef="number">0.05</slm:VerticalRiskRetentionPercentage>
    <slm:CombinationOfSubsidiariesTaxYears contextRef="c-131" id="f-3084">P3Y</slm:CombinationOfSubsidiariesTaxYears>
    <slm:CombinationOfSubsidiariesTaxYears contextRef="c-132" id="f-3085">P4Y</slm:CombinationOfSubsidiariesTaxYears>
    <dei:DocumentType contextRef="c-1" id="f-1">10-K</dei:DocumentType>
    <dei:DocumentAnnualReport contextRef="c-1" id="f-2">true</dei:DocumentAnnualReport>
    <dei:DocumentPeriodEndDate contextRef="c-1" id="f-4">2024-12-31</dei:DocumentPeriodEndDate>
    <dei:CurrentFiscalYearEndDate contextRef="c-1" id="f-3">--12-31</dei:CurrentFiscalYearEndDate>
    <dei:DocumentTransitionReport contextRef="c-1" id="f-5">false</dei:DocumentTransitionReport>
    <dei:EntityFileNumber contextRef="c-1" id="f-6">001-13251</dei:EntityFileNumber>
    <dei:EntityRegistrantName contextRef="c-1" id="f-7">SLM Corp</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="c-1" id="f-8">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityTaxIdentificationNumber contextRef="c-1" id="f-9">52-2013874</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="c-1" id="f-10">300 Continental Drive</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="c-1" id="f-11">Newark,</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="c-1" id="f-12">DE</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="c-1" id="f-13">19713</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="c-1" id="f-14">302</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="c-1" id="f-15">451-0200</dei:LocalPhoneNumber>
    <dei:Security12bTitle contextRef="c-2" id="f-16">Common stock, par value $.20 per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c-2" id="f-17">SLM</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c-2" id="f-18">NASDAQ</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c-3" id="f-19">Floating Rate Non-Cumulative Preferred Stock, Series B, par value $.20 per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c-3" id="f-20">SLMBP</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c-3" id="f-21">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityWellKnownSeasonedIssuer contextRef="c-1" id="f-22">Yes</dei:EntityWellKnownSeasonedIssuer>
    <dei:EntityVoluntaryFilers contextRef="c-1" id="f-23">No</dei:EntityVoluntaryFilers>
    <dei:EntityCurrentReportingStatus contextRef="c-1" id="f-24">Yes</dei:EntityCurrentReportingStatus>
    <dei:EntityInteractiveDataCurrent contextRef="c-1" id="f-25">Yes</dei:EntityInteractiveDataCurrent>
    <dei:EntityFilerCategory contextRef="c-1" id="f-26">Large Accelerated Filer</dei:EntityFilerCategory>
    <dei:EntitySmallBusiness contextRef="c-1" id="f-27">false</dei:EntitySmallBusiness>
    <dei:EntityEmergingGrowthCompany contextRef="c-1" id="f-28">false</dei:EntityEmergingGrowthCompany>
    <dei:IcfrAuditorAttestationFlag contextRef="c-1" id="f-29">true</dei:IcfrAuditorAttestationFlag>
    <dei:DocumentFinStmtErrorCorrectionFlag contextRef="c-1" id="f-30">false</dei:DocumentFinStmtErrorCorrectionFlag>
    <dei:EntityShellCompany contextRef="c-1" id="f-31">false</dei:EntityShellCompany>
    <dei:EntityPublicFloat contextRef="c-4" decimals="-8" id="f-32" unitRef="usd">4500000000</dei:EntityPublicFloat>
    <dei:EntityCommonStockSharesOutstanding contextRef="c-5" decimals="INF" id="f-33" unitRef="shares">210423462</dei:EntityCommonStockSharesOutstanding>
    <dei:DocumentsIncorporatedByReferenceTextBlock contextRef="c-1" id="f-34">Portions of the definitive proxy statement on Schedule 14A relating to the Registrant&#x2019;s 2025 Annual Meeting of Stockholders are incorporated by reference into Parts II and III of this Annual Report on Form 10-K.</dei:DocumentsIncorporatedByReferenceTextBlock>
    <dei:AuditorName contextRef="c-1" id="f-35">KPMG LLP</dei:AuditorName>
    <dei:AuditorLocation contextRef="c-1" id="f-36">McLean, Virginia</dei:AuditorLocation>
    <dei:AuditorFirmId contextRef="c-1" id="f-37">185</dei:AuditorFirmId>
    <cyd:CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock contextRef="c-1" id="f-42">&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;We have developed and implemented a cybersecurity risk management program intended to protect the confidentiality, integrity, and availability of our critical systems and information. Our cybersecurity risk management program includes a cybersecurity incident response standard. &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:115%"&gt;We use the Cyber Risk Institute Profile (which is based on the National Institute of Standards and Technology Cybersecurity Framework), the Federal Financial Institutions Examination Council Information Technology Examination Handbook, and the Payment Card Industry Data Security Standards as guides to help us identify, assess, and manage cybersecurity risks relevant to our business and develop and implement our cybersecurity risk management program. This does not imply that we meet any particular technical standards, specifications, or requirements.&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:115%"&gt;Our cybersecurity risk management program is integrated with our overall enterprise risk management program, and shares common methodologies, reporting channels, and governance processes that apply across the enterprise risk management program to other legal, compliance, strategic, operational, and financial risk areas.&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:115%"&gt;Our cybersecurity risk management program includes the following key elements:&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="margin-top:3pt;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;risk assessments designed to help identify material cybersecurity risks to our critical systems, information, services, and our broader enterprise information technology (&#x201c;IT&#x201d;) environment; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;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;a team comprised of IT security, IT infrastructure, and IT compliance personnel principally responsible for directing (i) our cybersecurity risk assessment processes, (ii) our security processes, and (iii) our response to cybersecurity incidents;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;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 use of external cybersecurity service providers, where appropriate, to assess, test, or otherwise assist with aspects of our security processes;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;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;cybersecurity awareness training of employees with access to our IT systems; &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;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;a cybersecurity incident response standard and Crisis Management Policy that guide our response to cybersecurity incidents; and&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;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:115%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:115%;padding-left:14.5pt"&gt;a third-party risk identification and management process for service providers.&lt;/span&gt;&lt;/div&gt;We face certain ongoing risks from cybersecurity threats that, if realized, are reasonably likely to materially affect us, including our operations, business strategy, results of operations, and/or financial condition. See Item 1A. &#x201c;Risk Factors &#x2013; OPERATIONAL RISKS &#x2013; 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&#x201d; in this Form 10-K.</cyd:CybersecurityRiskManagementProcessesForAssessingIdentifyingAndManagingThreatsTextBlock>
    <cyd:CybersecurityRiskManagementProcessesIntegratedTextBlock contextRef="c-1" id="f-43">We have developed and implemented a cybersecurity risk management program intended to protect the confidentiality, integrity, and availability of our critical systems and information. Our cybersecurity risk management program includes a cybersecurity incident response standard.</cyd:CybersecurityRiskManagementProcessesIntegratedTextBlock>
    <cyd:CybersecurityRiskManagementProcessesIntegratedFlag contextRef="c-1" id="f-44">true</cyd:CybersecurityRiskManagementProcessesIntegratedFlag>
    <cyd:CybersecurityRiskManagementThirdPartyEngagedFlag contextRef="c-1" id="f-45">true</cyd:CybersecurityRiskManagementThirdPartyEngagedFlag>
    <cyd:CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantFlag contextRef="c-1" id="f-46">false</cyd:CybersecurityRiskMateriallyAffectedOrReasonablyLikelyToMateriallyAffectRegistrantFlag>
    <cyd:CybersecurityRiskProcessForInformingBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock contextRef="c-1" id="f-49">&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 Board of Directors considers cybersecurity risk as critical to the enterprise and delegates the cybersecurity risk oversight function to the Operational and Compliance Risk Committee of the Board. The Operational and Compliance Risk Committee of our Board of Directors oversees management&#x2019;s design, implementation, and enforcement of our cybersecurity risk management program. &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:115%"&gt;Our Chief Security Officer (&#x201c;CSO&#x201d;) reports to our Chief Operational Officer and President of the Bank and leads the Company&#x2019;s overall cybersecurity function.  Our CSO provides periodic updates on our cybersecurity risk management program to the management-level Operational and Compliance Risk Committee (&#x201c;OCRC&#x201d;) and Executive Committee (&#x201c;EC&#x201d;).  The Operational and Compliance Risk Committee of our Board of Directors also receives periodic reports from our CSO on our cybersecurity risks, including briefings on our cyber risk management program and cybersecurity incidents.&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:115%"&gt;Our CSO supervises efforts to prevent, detect, mitigate, and remediate cybersecurity risks and incidents through various means, which include: briefings from internal security personnel; threat intelligence and other &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:115%"&gt;information obtained from governmental, public, or private sources, including external cybersecurity service providers; and alerts and reports produced by security tools deployed in the IT environment.&lt;/span&gt;&lt;/div&gt;</cyd:CybersecurityRiskProcessForInformingBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock>
    <cyd:CybersecurityRiskBoardOfDirectorsOversightTextBlock contextRef="c-1" id="f-47">Our Board of Directors considers cybersecurity risk as critical to the enterprise and delegates the cybersecurity risk oversight function to the Operational and Compliance Risk Committee of the Board. The Operational and Compliance Risk Committee of our Board of Directors oversees management&#x2019;s design, implementation, and enforcement of our cybersecurity risk management program.</cyd:CybersecurityRiskBoardOfDirectorsOversightTextBlock>
    <cyd:CybersecurityRiskThirdPartyOversightAndIdentificationProcessesFlag contextRef="c-1" id="f-48">true</cyd:CybersecurityRiskThirdPartyOversightAndIdentificationProcessesFlag>
    <cyd:CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock contextRef="c-1" id="f-50">&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:115%"&gt;Our Chief Security Officer (&#x201c;CSO&#x201d;) reports to our Chief Operational Officer and President of the Bank and leads the Company&#x2019;s overall cybersecurity function.  Our CSO provides periodic updates on our cybersecurity risk management program to the management-level Operational and Compliance Risk Committee (&#x201c;OCRC&#x201d;) and Executive Committee (&#x201c;EC&#x201d;).  The Operational and Compliance Risk Committee of our Board of Directors also receives periodic reports from our CSO on our cybersecurity risks, including briefings on our cyber risk management program and cybersecurity incidents.&lt;/span&gt;&lt;/div&gt;</cyd:CybersecurityRiskProcessForInformingManagementOrCommitteesResponsibleTextBlock>
    <cyd:CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock contextRef="c-1" id="f-52">Our Chief Security Officer (&#x201c;CSO&#x201d;) reports to our Chief Operational Officer and President of the Bank and leads the Company&#x2019;s overall cybersecurity function.  Our CSO provides periodic updates on our cybersecurity risk management program to the management-level Operational and Compliance Risk Committee (&#x201c;OCRC&#x201d;) and Executive Committee (&#x201c;EC&#x201d;).</cyd:CybersecurityRiskBoardCommitteeOrSubcommitteeResponsibleForOversightTextBlock>
    <cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock contextRef="c-1" id="f-51">Our Chief Security Officer (&#x201c;CSO&#x201d;) reports to our Chief Operational Officer and President of the Bank and leads the Company&#x2019;s overall cybersecurity function.</cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleTextBlock>
    <cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleFlag contextRef="c-1" id="f-53">true</cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleFlag>
    <cyd:CybersecurityRiskRoleOfManagementTextBlock contextRef="c-1" id="f-54">Our CSO provides periodic updates on our cybersecurity risk management program to the management-level Operational and Compliance Risk Committee (&#x201c;OCRC&#x201d;) and Executive Committee (&#x201c;EC&#x201d;).  The Operational and Compliance Risk Committee of our Board of Directors also receives periodic reports from our CSO on our cybersecurity risks, including briefings on our cyber risk management program and cybersecurity incidents.</cyd:CybersecurityRiskRoleOfManagementTextBlock>
    <cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleReportToBoardFlag contextRef="c-1" id="f-55">true</cyd:CybersecurityRiskManagementPositionsOrCommitteesResponsibleReportToBoardFlag>
    <cyd:CybersecurityRiskManagementExpertiseOfManagementResponsibleTextBlock contextRef="c-1" id="f-56">Our CSO is responsible for assessing and managing our material risks from cybersecurity threats, has primary responsibility for leading our overall cybersecurity risk management program, and supervises both our internal cybersecurity personnel and our external cybersecurity service providers. Our CSO has significant executive experience in managing and leading IT and cybersecurity teams in both government and the private sector and has received industry recognition in the cybersecurity area.</cyd:CybersecurityRiskManagementExpertiseOfManagementResponsibleTextBlock>
    <ecd:NonRule10b51ArrAdoptedFlag contextRef="c-6" id="f-57">false</ecd:NonRule10b51ArrAdoptedFlag>
    <ecd:Rule10b51ArrAdoptedFlag contextRef="c-6" id="f-58">false</ecd:Rule10b51ArrAdoptedFlag>
    <ecd:Rule10b51ArrTrmntdFlag contextRef="c-6" id="f-59">false</ecd:Rule10b51ArrTrmntdFlag>
    <ecd:NonRule10b51ArrTrmntdFlag contextRef="c-6" id="f-60">false</ecd:NonRule10b51ArrTrmntdFlag>
    <ecd:InsiderTrdPoliciesProcAdoptedFlag contextRef="c-1" id="f-61">true</ecd:InsiderTrdPoliciesProcAdoptedFlag>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-7" decimals="-3" id="f-62" unitRef="usd">4700366000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-8" decimals="-3" id="f-63" unitRef="usd">4149838000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:TradingSecuritiesDebtAmortizedCost contextRef="c-7" decimals="-3" id="f-64" unitRef="usd">41715000</us-gaap:TradingSecuritiesDebtAmortizedCost>
    <us-gaap:TradingSecuritiesDebtAmortizedCost contextRef="c-8" decimals="-3" id="f-65" unitRef="usd">43412000</us-gaap:TradingSecuritiesDebtAmortizedCost>
    <us-gaap:TradingSecuritiesDebt contextRef="c-7" decimals="-3" id="f-66" unitRef="usd">53262000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:TradingSecuritiesDebt contextRef="c-8" decimals="-3" id="f-67" unitRef="usd">54481000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-7" decimals="-3" id="f-68" unitRef="usd">2042473000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-8" decimals="-3" id="f-69" unitRef="usd">2563984000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-7" decimals="-3" id="f-70" unitRef="usd">1933226000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-8" decimals="-3" id="f-71" unitRef="usd">2411622000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:OtherInvestments contextRef="c-7" decimals="-3" id="f-72" unitRef="usd">112377000</us-gaap:OtherInvestments>
    <us-gaap:OtherInvestments contextRef="c-8" decimals="-3" id="f-73" unitRef="usd">91567000</us-gaap:OtherInvestments>
    <us-gaap:Investments contextRef="c-7" decimals="-3" id="f-74" unitRef="usd">2098865000</us-gaap:Investments>
    <us-gaap:Investments contextRef="c-8" decimals="-3" id="f-75" unitRef="usd">2557670000</us-gaap:Investments>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-7" decimals="-3" id="f-76" unitRef="usd">1435920000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-8" decimals="-3" id="f-77" unitRef="usd">1339772000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-7" decimals="-3" id="f-78" unitRef="usd">20902158000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-8" decimals="-3" id="f-79" unitRef="usd">20306357000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:RestrictedCashAndInvestments contextRef="c-7" decimals="-3" id="f-80" unitRef="usd">173894000</us-gaap:RestrictedCashAndInvestments>
    <us-gaap:RestrictedCashAndInvestments contextRef="c-8" decimals="-3" id="f-81" unitRef="usd">149669000</us-gaap:RestrictedCashAndInvestments>
    <us-gaap:OtherInterestEarningAssets contextRef="c-7" decimals="-3" id="f-82" unitRef="usd">4880000</us-gaap:OtherInterestEarningAssets>
    <us-gaap:OtherInterestEarningAssets contextRef="c-8" decimals="-3" id="f-83" unitRef="usd">9229000</us-gaap:OtherInterestEarningAssets>
    <us-gaap:InterestReceivable contextRef="c-7" decimals="-3" id="f-84" unitRef="usd">1546590000</us-gaap:InterestReceivable>
    <us-gaap:InterestReceivable contextRef="c-8" decimals="-3" id="f-85" unitRef="usd">1379904000</us-gaap:InterestReceivable>
    <us-gaap:PropertyPlantAndEquipmentNet contextRef="c-7" decimals="-3" id="f-86" unitRef="usd">119354000</us-gaap:PropertyPlantAndEquipmentNet>
    <us-gaap:PropertyPlantAndEquipmentNet contextRef="c-8" decimals="-3" id="f-87" unitRef="usd">129501000</us-gaap:PropertyPlantAndEquipmentNet>
    <us-gaap:IntangibleAssetsNetIncludingGoodwill contextRef="c-7" decimals="-3" id="f-88" unitRef="usd">63532000</us-gaap:IntangibleAssetsNetIncludingGoodwill>
    <us-gaap:IntangibleAssetsNetIncludingGoodwill contextRef="c-8" decimals="-3" id="f-89" unitRef="usd">68711000</us-gaap:IntangibleAssetsNetIncludingGoodwill>
    <us-gaap:IncomeTaxReceivable contextRef="c-7" decimals="-3" id="f-90" unitRef="usd">425625000</us-gaap:IncomeTaxReceivable>
    <us-gaap:IncomeTaxReceivable contextRef="c-8" decimals="-3" id="f-91" unitRef="usd">366247000</us-gaap:IncomeTaxReceivable>
    <us-gaap:OtherAssets contextRef="c-7" decimals="-3" id="f-92" unitRef="usd">36846000</us-gaap:OtherAssets>
    <us-gaap:OtherAssets contextRef="c-8" decimals="-3" id="f-93" unitRef="usd">52342000</us-gaap:OtherAssets>
    <us-gaap:Assets contextRef="c-7" decimals="-3" id="f-94" unitRef="usd">30072110000</us-gaap:Assets>
    <us-gaap:Assets contextRef="c-8" decimals="-3" id="f-95" unitRef="usd">29169468000</us-gaap:Assets>
    <us-gaap:Deposits contextRef="c-7" decimals="-3" id="f-96" unitRef="usd">21068568000</us-gaap:Deposits>
    <us-gaap:Deposits contextRef="c-8" decimals="-3" id="f-97" unitRef="usd">21653188000</us-gaap:Deposits>
    <us-gaap:LongTermDebt contextRef="c-7" decimals="-3" id="f-98" unitRef="usd">6440345000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-8" decimals="-3" id="f-99" unitRef="usd">5227512000</us-gaap:LongTermDebt>
    <us-gaap:OtherLiabilities contextRef="c-7" decimals="-3" id="f-100" unitRef="usd">403277000</us-gaap:OtherLiabilities>
    <us-gaap:OtherLiabilities contextRef="c-8" decimals="-3" id="f-101" unitRef="usd">407971000</us-gaap:OtherLiabilities>
    <us-gaap:Liabilities contextRef="c-7" decimals="-3" id="f-102" unitRef="usd">27912190000</us-gaap:Liabilities>
    <us-gaap:Liabilities contextRef="c-8" decimals="-3" id="f-103" unitRef="usd">27288671000</us-gaap:Liabilities>
    <us-gaap:CommitmentsAndContingencies contextRef="c-7" id="f-104" unitRef="usd" xsi:nil="true"/>
    <us-gaap:CommitmentsAndContingencies contextRef="c-8" id="f-105" unitRef="usd" xsi:nil="true"/>
    <us-gaap:PreferredStockParOrStatedValuePerShare
      contextRef="c-8"
      decimals="INF"
      id="f-106"
      unitRef="usdPerShare">0.20</us-gaap:PreferredStockParOrStatedValuePerShare>
    <us-gaap:PreferredStockParOrStatedValuePerShare
      contextRef="c-7"
      decimals="INF"
      id="f-107"
      unitRef="usdPerShare">0.20</us-gaap:PreferredStockParOrStatedValuePerShare>
    <us-gaap:PreferredStockSharesAuthorized contextRef="c-8" decimals="-6" id="f-108" unitRef="shares">20000000</us-gaap:PreferredStockSharesAuthorized>
    <us-gaap:PreferredStockSharesAuthorized contextRef="c-7" decimals="-6" id="f-109" unitRef="shares">20000000</us-gaap:PreferredStockSharesAuthorized>
    <us-gaap:PreferredStockSharesOutstanding contextRef="c-7" decimals="-5" id="f-110" unitRef="shares">2500000</us-gaap:PreferredStockSharesOutstanding>
    <us-gaap:PreferredStockSharesOutstanding contextRef="c-8" decimals="-5" id="f-111" unitRef="shares">2500000</us-gaap:PreferredStockSharesOutstanding>
    <us-gaap:PreferredStockLiquidationPreference
      contextRef="c-8"
      decimals="INF"
      id="f-112"
      unitRef="usdPerShare">100</us-gaap:PreferredStockLiquidationPreference>
    <us-gaap:PreferredStockLiquidationPreference
      contextRef="c-7"
      decimals="INF"
      id="f-113"
      unitRef="usdPerShare">100</us-gaap:PreferredStockLiquidationPreference>
    <us-gaap:PreferredStockValueOutstanding contextRef="c-7" decimals="-3" id="f-114" unitRef="usd">251070000</us-gaap:PreferredStockValueOutstanding>
    <us-gaap:PreferredStockValueOutstanding contextRef="c-8" decimals="-3" id="f-115" unitRef="usd">251070000</us-gaap:PreferredStockValueOutstanding>
    <us-gaap:CommonStockParOrStatedValuePerShare
      contextRef="c-7"
      decimals="INF"
      id="f-116"
      unitRef="usdPerShare">0.20</us-gaap:CommonStockParOrStatedValuePerShare>
    <us-gaap:CommonStockParOrStatedValuePerShare
      contextRef="c-8"
      decimals="INF"
      id="f-117"
      unitRef="usdPerShare">0.20</us-gaap:CommonStockParOrStatedValuePerShare>
    <us-gaap:CommonStockSharesAuthorized contextRef="c-8" decimals="-6" id="f-118" unitRef="shares">1125000000</us-gaap:CommonStockSharesAuthorized>
    <us-gaap:CommonStockSharesAuthorized contextRef="c-7" decimals="-6" id="f-119" unitRef="shares">1125000000</us-gaap:CommonStockSharesAuthorized>
    <us-gaap:CommonStockSharesIssued contextRef="c-7" decimals="-5" id="f-120" unitRef="shares">440600000</us-gaap:CommonStockSharesIssued>
    <us-gaap:CommonStockSharesIssued contextRef="c-8" decimals="-5" id="f-121" unitRef="shares">438200000</us-gaap:CommonStockSharesIssued>
    <us-gaap:CommonStockValue contextRef="c-7" decimals="-3" id="f-122" unitRef="usd">88121000</us-gaap:CommonStockValue>
    <us-gaap:CommonStockValue contextRef="c-8" decimals="-3" id="f-123" unitRef="usd">87647000</us-gaap:CommonStockValue>
    <us-gaap:AdditionalPaidInCapital contextRef="c-7" decimals="-3" id="f-124" unitRef="usd">1193753000</us-gaap:AdditionalPaidInCapital>
    <us-gaap:AdditionalPaidInCapital contextRef="c-8" decimals="-3" id="f-125" unitRef="usd">1148689000</us-gaap:AdditionalPaidInCapital>
    <us-gaap:AociTaxAttributableToParent contextRef="c-7" decimals="-3" id="f-126" unitRef="usd">-21209000</us-gaap:AociTaxAttributableToParent>
    <us-gaap:AociTaxAttributableToParent contextRef="c-8" decimals="-3" id="f-127" unitRef="usd">-24176000</us-gaap:AociTaxAttributableToParent>
    <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax contextRef="c-7" decimals="-3" id="f-128" unitRef="usd">-65861000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax contextRef="c-8" decimals="-3" id="f-129" unitRef="usd">-75104000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c-7" decimals="-3" id="f-130" unitRef="usd">4114446000</us-gaap:RetainedEarningsAccumulatedDeficit>
    <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c-8" decimals="-3" id="f-131" unitRef="usd">3624859000</us-gaap:RetainedEarningsAccumulatedDeficit>
    <slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock contextRef="c-7" decimals="-3" id="f-132" unitRef="usd">5581529000</slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock>
    <slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock contextRef="c-8" decimals="-3" id="f-133" unitRef="usd">5037161000</slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock>
    <us-gaap:TreasuryStockCommonShares contextRef="c-7" decimals="-5" id="f-134" unitRef="shares">230200000</us-gaap:TreasuryStockCommonShares>
    <us-gaap:TreasuryStockCommonShares contextRef="c-8" decimals="-5" id="f-135" unitRef="shares">217900000</us-gaap:TreasuryStockCommonShares>
    <us-gaap:TreasuryStockCommonValue contextRef="c-7" decimals="-3" id="f-136" unitRef="usd">3421609000</us-gaap:TreasuryStockCommonValue>
    <us-gaap:TreasuryStockCommonValue contextRef="c-8" decimals="-3" id="f-137" unitRef="usd">3156364000</us-gaap:TreasuryStockCommonValue>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-7" decimals="-3" id="f-138" unitRef="usd">2159920000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-8" decimals="-3" id="f-139" unitRef="usd">1880797000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c-7" decimals="-3" id="f-140" unitRef="usd">30072110000</us-gaap:LiabilitiesAndStockholdersEquity>
    <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c-8" decimals="-3" id="f-141" unitRef="usd">29169468000</us-gaap:LiabilitiesAndStockholdersEquity>
    <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="c-1" decimals="-3" id="f-142" unitRef="usd">2314417000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
    <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="c-9" decimals="-3" id="f-143" unitRef="usd">2327743000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
    <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="c-10" decimals="-3" id="f-144" unitRef="usd">1914554000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
    <us-gaap:InterestIncomeDebtSecuritiesAvailableForSaleOperating contextRef="c-1" decimals="-3" id="f-145" unitRef="usd">61412000</us-gaap:InterestIncomeDebtSecuritiesAvailableForSaleOperating>
    <us-gaap:InterestIncomeDebtSecuritiesAvailableForSaleOperating contextRef="c-9" decimals="-3" id="f-146" unitRef="usd">50810000</us-gaap:InterestIncomeDebtSecuritiesAvailableForSaleOperating>
    <us-gaap:InterestIncomeDebtSecuritiesAvailableForSaleOperating contextRef="c-10" decimals="-3" id="f-147" unitRef="usd">35304000</us-gaap:InterestIncomeDebtSecuritiesAvailableForSaleOperating>
    <slm:CashAndInvestmentsInterestIncomeLoss contextRef="c-1" decimals="-3" id="f-148" unitRef="usd">243217000</slm:CashAndInvestmentsInterestIncomeLoss>
    <slm:CashAndInvestmentsInterestIncomeLoss contextRef="c-9" decimals="-3" id="f-149" unitRef="usd">213750000</slm:CashAndInvestmentsInterestIncomeLoss>
    <slm:CashAndInvestmentsInterestIncomeLoss contextRef="c-10" decimals="-3" id="f-150" unitRef="usd">81722000</slm:CashAndInvestmentsInterestIncomeLoss>
    <us-gaap:InterestAndDividendIncomeOperating contextRef="c-1" decimals="-3" id="f-151" unitRef="usd">2619046000</us-gaap:InterestAndDividendIncomeOperating>
    <us-gaap:InterestAndDividendIncomeOperating contextRef="c-9" decimals="-3" id="f-152" unitRef="usd">2592303000</us-gaap:InterestAndDividendIncomeOperating>
    <us-gaap:InterestAndDividendIncomeOperating contextRef="c-10" decimals="-3" id="f-153" unitRef="usd">2031580000</us-gaap:InterestAndDividendIncomeOperating>
    <us-gaap:InterestExpenseDeposits contextRef="c-1" decimals="-3" id="f-154" unitRef="usd">881456000</us-gaap:InterestExpenseDeposits>
    <us-gaap:InterestExpenseDeposits contextRef="c-9" decimals="-3" id="f-155" unitRef="usd">808065000</us-gaap:InterestExpenseDeposits>
    <us-gaap:InterestExpenseDeposits contextRef="c-10" decimals="-3" id="f-156" unitRef="usd">368914000</us-gaap:InterestExpenseDeposits>
    <us-gaap:InterestExpenseShortTermBorrowings contextRef="c-1" decimals="-3" id="f-157" unitRef="usd">13815000</us-gaap:InterestExpenseShortTermBorrowings>
    <us-gaap:InterestExpenseShortTermBorrowings contextRef="c-9" decimals="-3" id="f-158" unitRef="usd">13501000</us-gaap:InterestExpenseShortTermBorrowings>
    <us-gaap:InterestExpenseShortTermBorrowings contextRef="c-10" decimals="-3" id="f-159" unitRef="usd">11956000</us-gaap:InterestExpenseShortTermBorrowings>
    <us-gaap:InterestExpenseLongTermDebt contextRef="c-1" decimals="-3" id="f-160" unitRef="usd">242993000</us-gaap:InterestExpenseLongTermDebt>
    <us-gaap:InterestExpenseLongTermDebt contextRef="c-9" decimals="-3" id="f-161" unitRef="usd">208524000</us-gaap:InterestExpenseLongTermDebt>
    <us-gaap:InterestExpenseLongTermDebt contextRef="c-10" decimals="-3" id="f-162" unitRef="usd">161929000</us-gaap:InterestExpenseLongTermDebt>
    <us-gaap:InterestExpenseOperating contextRef="c-1" decimals="-3" id="f-163" unitRef="usd">1138264000</us-gaap:InterestExpenseOperating>
    <us-gaap:InterestExpenseOperating contextRef="c-9" decimals="-3" id="f-164" unitRef="usd">1030090000</us-gaap:InterestExpenseOperating>
    <us-gaap:InterestExpenseOperating contextRef="c-10" decimals="-3" id="f-165" unitRef="usd">542799000</us-gaap:InterestExpenseOperating>
    <us-gaap:InterestIncomeExpenseNet contextRef="c-1" decimals="-3" id="f-166" unitRef="usd">1480782000</us-gaap:InterestIncomeExpenseNet>
    <us-gaap:InterestIncomeExpenseNet contextRef="c-9" decimals="-3" id="f-167" unitRef="usd">1562213000</us-gaap:InterestIncomeExpenseNet>
    <us-gaap:InterestIncomeExpenseNet contextRef="c-10" decimals="-3" id="f-168" unitRef="usd">1488781000</us-gaap:InterestIncomeExpenseNet>
    <slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-1" decimals="-3" id="f-169" unitRef="usd">408515000</slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal>
    <slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-9" decimals="-3" id="f-170" unitRef="usd">345463000</slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal>
    <slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-10" decimals="-3" id="f-171" unitRef="usd">633453000</slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c-1" decimals="-3" id="f-172" unitRef="usd">1072267000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
    <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c-9" decimals="-3" id="f-173" unitRef="usd">1216750000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
    <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c-10" decimals="-3" id="f-174" unitRef="usd">855328000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
    <us-gaap:GainLossOnSalesOfLoansNet contextRef="c-1" decimals="-3" id="f-175" unitRef="usd">254928000</us-gaap:GainLossOnSalesOfLoansNet>
    <us-gaap:GainLossOnSalesOfLoansNet contextRef="c-9" decimals="-3" id="f-176" unitRef="usd">160290000</us-gaap:GainLossOnSalesOfLoansNet>
    <us-gaap:GainLossOnSalesOfLoansNet contextRef="c-10" decimals="-3" id="f-177" unitRef="usd">327750000</us-gaap:GainLossOnSalesOfLoansNet>
    <us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS contextRef="c-1" decimals="-3" id="f-178" unitRef="usd">467000</us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS>
    <us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS contextRef="c-9" decimals="-3" id="f-179" unitRef="usd">2678000</us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS>
    <us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS contextRef="c-10" decimals="-3" id="f-180" unitRef="usd">-60267000</us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS>
    <us-gaap:GainLossOnDerivativeInstrumentsNetPretax contextRef="c-1" decimals="-3" id="f-181" unitRef="usd">0</us-gaap:GainLossOnDerivativeInstrumentsNetPretax>
    <us-gaap:GainLossOnDerivativeInstrumentsNetPretax contextRef="c-9" decimals="-3" id="f-182" unitRef="usd">0</us-gaap:GainLossOnDerivativeInstrumentsNetPretax>
    <us-gaap:GainLossOnDerivativeInstrumentsNetPretax contextRef="c-10" decimals="-3" id="f-183" unitRef="usd">-5000</us-gaap:GainLossOnDerivativeInstrumentsNetPretax>
    <us-gaap:NoninterestIncomeOtherOperatingIncome contextRef="c-1" decimals="-3" id="f-184" unitRef="usd">112873000</us-gaap:NoninterestIncomeOtherOperatingIncome>
    <us-gaap:NoninterestIncomeOtherOperatingIncome contextRef="c-9" decimals="-3" id="f-185" unitRef="usd">84148000</us-gaap:NoninterestIncomeOtherOperatingIncome>
    <us-gaap:NoninterestIncomeOtherOperatingIncome contextRef="c-10" decimals="-3" id="f-186" unitRef="usd">67160000</us-gaap:NoninterestIncomeOtherOperatingIncome>
    <us-gaap:NoninterestIncome contextRef="c-1" decimals="-3" id="f-187" unitRef="usd">368268000</us-gaap:NoninterestIncome>
    <us-gaap:NoninterestIncome contextRef="c-9" decimals="-3" id="f-188" unitRef="usd">247116000</us-gaap:NoninterestIncome>
    <us-gaap:NoninterestIncome contextRef="c-10" decimals="-3" id="f-189" unitRef="usd">334638000</us-gaap:NoninterestIncome>
    <us-gaap:LaborAndRelatedExpense contextRef="c-1" decimals="-3" id="f-190" unitRef="usd">349387000</us-gaap:LaborAndRelatedExpense>
    <us-gaap:LaborAndRelatedExpense contextRef="c-9" decimals="-3" id="f-191" unitRef="usd">326554000</us-gaap:LaborAndRelatedExpense>
    <us-gaap:LaborAndRelatedExpense contextRef="c-10" decimals="-3" id="f-192" unitRef="usd">270354000</us-gaap:LaborAndRelatedExpense>
    <us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="c-1" decimals="-3" id="f-193" unitRef="usd">51606000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
    <us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="c-9" decimals="-3" id="f-194" unitRef="usd">45766000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
    <us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="c-10" decimals="-3" id="f-195" unitRef="usd">20939000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
    <us-gaap:OtherNoninterestExpense contextRef="c-1" decimals="-3" id="f-196" unitRef="usd">235577000</us-gaap:OtherNoninterestExpense>
    <us-gaap:OtherNoninterestExpense contextRef="c-9" decimals="-3" id="f-197" unitRef="usd">246886000</us-gaap:OtherNoninterestExpense>
    <us-gaap:OtherNoninterestExpense contextRef="c-10" decimals="-3" id="f-198" unitRef="usd">260169000</us-gaap:OtherNoninterestExpense>
    <slm:OperatingExpensesExcludingAmortizationOfIntangibleAssets contextRef="c-1" decimals="-3" id="f-199" unitRef="usd">636570000</slm:OperatingExpensesExcludingAmortizationOfIntangibleAssets>
    <slm:OperatingExpensesExcludingAmortizationOfIntangibleAssets contextRef="c-9" decimals="-3" id="f-200" unitRef="usd">619206000</slm:OperatingExpensesExcludingAmortizationOfIntangibleAssets>
    <slm:OperatingExpensesExcludingAmortizationOfIntangibleAssets contextRef="c-10" decimals="-3" id="f-201" unitRef="usd">551462000</slm:OperatingExpensesExcludingAmortizationOfIntangibleAssets>
    <slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets contextRef="c-1" decimals="-3" id="f-202" unitRef="usd">5329000</slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets>
    <slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets contextRef="c-9" decimals="-3" id="f-203" unitRef="usd">66364000</slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets>
    <slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets contextRef="c-10" decimals="-3" id="f-204" unitRef="usd">7779000</slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets>
    <us-gaap:NoninterestExpense contextRef="c-1" decimals="-3" id="f-205" unitRef="usd">641899000</us-gaap:NoninterestExpense>
    <us-gaap:NoninterestExpense contextRef="c-9" decimals="-3" id="f-206" unitRef="usd">685570000</us-gaap:NoninterestExpense>
    <us-gaap:NoninterestExpense contextRef="c-10" decimals="-3" id="f-207" unitRef="usd">559241000</us-gaap:NoninterestExpense>
    <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="c-1" decimals="-3" id="f-208" unitRef="usd">798636000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
    <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="c-9" decimals="-3" id="f-209" unitRef="usd">778296000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
    <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="c-10" decimals="-3" id="f-210" unitRef="usd">630725000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-1" decimals="-3" id="f-211" unitRef="usd">190311000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-9" decimals="-3" id="f-212" unitRef="usd">196905000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-10" decimals="-3" id="f-213" unitRef="usd">161711000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:ProfitLoss contextRef="c-1" decimals="-3" id="f-214" unitRef="usd">608325000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-9" decimals="-3" id="f-215" unitRef="usd">581391000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-10" decimals="-3" id="f-216" unitRef="usd">469014000</us-gaap:ProfitLoss>
    <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="c-1" decimals="-3" id="f-217" unitRef="usd">18296000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
    <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="c-9" decimals="-3" id="f-218" unitRef="usd">17705000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
    <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="c-10" decimals="-3" id="f-219" unitRef="usd">9029000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-1" decimals="-3" id="f-220" unitRef="usd">590029000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-9" decimals="-3" id="f-221" unitRef="usd">563686000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-10" decimals="-3" id="f-222" unitRef="usd">459985000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:EarningsPerShareBasic
      contextRef="c-1"
      decimals="2"
      id="f-223"
      unitRef="usdPerShare">2.73</us-gaap:EarningsPerShareBasic>
    <us-gaap:EarningsPerShareBasic
      contextRef="c-9"
      decimals="2"
      id="f-224"
      unitRef="usdPerShare">2.44</us-gaap:EarningsPerShareBasic>
    <us-gaap:EarningsPerShareBasic
      contextRef="c-10"
      decimals="2"
      id="f-225"
      unitRef="usdPerShare">1.78</us-gaap:EarningsPerShareBasic>
    <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="c-1" decimals="-3" id="f-226" unitRef="shares">216220000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
    <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="c-9" decimals="-3" id="f-227" unitRef="shares">231411000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
    <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="c-10" decimals="-3" id="f-228" unitRef="shares">258439000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
    <us-gaap:EarningsPerShareDiluted
      contextRef="c-1"
      decimals="2"
      id="f-229"
      unitRef="usdPerShare">2.68</us-gaap:EarningsPerShareDiluted>
    <us-gaap:EarningsPerShareDiluted
      contextRef="c-9"
      decimals="2"
      id="f-230"
      unitRef="usdPerShare">2.41</us-gaap:EarningsPerShareDiluted>
    <us-gaap:EarningsPerShareDiluted
      contextRef="c-10"
      decimals="2"
      id="f-231"
      unitRef="usdPerShare">1.76</us-gaap:EarningsPerShareDiluted>
    <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="c-1" decimals="-3" id="f-232" unitRef="shares">219934000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
    <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="c-9" decimals="-3" id="f-233" unitRef="shares">234063000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
    <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="c-10" decimals="-3" id="f-234" unitRef="shares">261503000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
    <us-gaap:CommonStockDividendsPerShareDeclared
      contextRef="c-1"
      decimals="2"
      id="f-235"
      unitRef="usdPerShare">0.46</us-gaap:CommonStockDividendsPerShareDeclared>
    <us-gaap:CommonStockDividendsPerShareDeclared
      contextRef="c-9"
      decimals="2"
      id="f-236"
      unitRef="usdPerShare">0.44</us-gaap:CommonStockDividendsPerShareDeclared>
    <us-gaap:CommonStockDividendsPerShareDeclared
      contextRef="c-10"
      decimals="2"
      id="f-237"
      unitRef="usdPerShare">0.44</us-gaap:CommonStockDividendsPerShareDeclared>
    <us-gaap:ProfitLoss contextRef="c-1" decimals="-3" id="f-238" unitRef="usd">608325000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-9" decimals="-3" id="f-239" unitRef="usd">581391000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-10" decimals="-3" id="f-240" unitRef="usd">469014000</us-gaap:ProfitLoss>
    <us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax contextRef="c-1" decimals="-3" id="f-241" unitRef="usd">42604000</us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax contextRef="c-9" decimals="-3" id="f-242" unitRef="usd">59205000</us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax contextRef="c-10" decimals="-3" id="f-243" unitRef="usd">-194157000</us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax contextRef="c-1" decimals="-3" id="f-244" unitRef="usd">-30394000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax contextRef="c-9" decimals="-3" id="f-245" unitRef="usd">-34457000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax contextRef="c-10" decimals="-3" id="f-246" unitRef="usd">93731000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax>
    <us-gaap:OtherComprehensiveIncomeLossBeforeTax contextRef="c-1" decimals="-3" id="f-247" unitRef="usd">12210000</us-gaap:OtherComprehensiveIncomeLossBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossBeforeTax contextRef="c-9" decimals="-3" id="f-248" unitRef="usd">24748000</us-gaap:OtherComprehensiveIncomeLossBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossBeforeTax contextRef="c-10" decimals="-3" id="f-249" unitRef="usd">-100426000</us-gaap:OtherComprehensiveIncomeLossBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossTax contextRef="c-1" decimals="-3" id="f-250" unitRef="usd">2967000</us-gaap:OtherComprehensiveIncomeLossTax>
    <us-gaap:OtherComprehensiveIncomeLossTax contextRef="c-9" decimals="-3" id="f-251" unitRef="usd">5982000</us-gaap:OtherComprehensiveIncomeLossTax>
    <us-gaap:OtherComprehensiveIncomeLossTax contextRef="c-10" decimals="-3" id="f-252" unitRef="usd">-24453000</us-gaap:OtherComprehensiveIncomeLossTax>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTax contextRef="c-1" decimals="-3" id="f-253" unitRef="usd">9243000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTax contextRef="c-9" decimals="-3" id="f-254" unitRef="usd">18766000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTax contextRef="c-10" decimals="-3" id="f-255" unitRef="usd">-75973000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c-1" decimals="-3" id="f-256" unitRef="usd">617568000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c-9" decimals="-3" id="f-257" unitRef="usd">600157000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c-10" decimals="-3" id="f-258" unitRef="usd">393041000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:SharesIssued
      contextRef="c-11"
      decimals="INF"
      id="f-259"
      unitRef="shares">2510696</us-gaap:SharesIssued>
    <us-gaap:SharesIssued
      contextRef="c-12"
      decimals="INF"
      id="f-260"
      unitRef="shares">432013372</us-gaap:SharesIssued>
    <us-gaap:TreasuryStockCommonShares
      contextRef="c-13"
      decimals="INF"
      id="f-261"
      unitRef="shares">153056639</us-gaap:TreasuryStockCommonShares>
    <us-gaap:CommonStockSharesOutstanding
      contextRef="c-12"
      decimals="INF"
      id="f-262"
      unitRef="shares">278956733</us-gaap:CommonStockSharesOutstanding>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-11" decimals="-3" id="f-263" unitRef="usd">251070000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-12" decimals="-3" id="f-264" unitRef="usd">86403000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-14" decimals="-3" id="f-265" unitRef="usd">1074384000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-15" decimals="-3" id="f-266" unitRef="usd">-17897000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-16" decimals="-3" id="f-267" unitRef="usd">2817134000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-13" decimals="-3" id="f-268" unitRef="usd">-2061383000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-17" decimals="-3" id="f-269" unitRef="usd">2149711000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:ProfitLoss contextRef="c-18" decimals="-3" id="f-270" unitRef="usd">469014000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-10" decimals="-3" id="f-271" unitRef="usd">469014000</us-gaap:ProfitLoss>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTax contextRef="c-19" decimals="-3" id="f-272" unitRef="usd">-75973000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTax contextRef="c-10" decimals="-3" id="f-273" unitRef="usd">-75973000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c-10" decimals="-3" id="f-274" unitRef="usd">393041000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:CommonStockDividendsPerShareDeclared
      contextRef="c-10"
      decimals="INF"
      id="f-275"
      unitRef="usdPerShare">0.44</us-gaap:CommonStockDividendsPerShareDeclared>
    <us-gaap:DividendsCommonStockCash contextRef="c-18" decimals="-3" id="f-276" unitRef="usd">112961000</us-gaap:DividendsCommonStockCash>
    <us-gaap:DividendsCommonStockCash contextRef="c-10" decimals="-3" id="f-277" unitRef="usd">112961000</us-gaap:DividendsCommonStockCash>
    <us-gaap:PreferredStockDividendRatePerDollarAmount
      contextRef="c-20"
      decimals="INF"
      id="f-278"
      unitRef="usdPerShare">3.60</us-gaap:PreferredStockDividendRatePerDollarAmount>
    <us-gaap:DividendsPreferredStockCash contextRef="c-21" decimals="-3" id="f-279" unitRef="usd">9029000</us-gaap:DividendsPreferredStockCash>
    <us-gaap:DividendsPreferredStockCash contextRef="c-20" decimals="-3" id="f-280" unitRef="usd">9029000</us-gaap:DividendsPreferredStockCash>
    <us-gaap:StockIssuedDuringPeriodSharesNewIssues
      contextRef="c-22"
      decimals="INF"
      id="f-281"
      unitRef="shares">3107768</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
    <us-gaap:StockIssuedDuringPeriodSharesNewIssues
      contextRef="c-22"
      decimals="INF"
      id="f-282"
      unitRef="shares">3107768</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-22" decimals="-3" id="f-283" unitRef="usd">622000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-23" decimals="-3" id="f-284" unitRef="usd">618000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-18" decimals="-3" id="f-285" unitRef="usd">-807000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-10" decimals="-3" id="f-286" unitRef="usd">433000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-23" decimals="-3" id="f-287" unitRef="usd">34070000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-18" decimals="-3" id="f-288" unitRef="usd">289000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-10" decimals="-3" id="f-289" unitRef="usd">34359000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:TreasuryStockSharesAcquired
      contextRef="c-24"
      decimals="INF"
      id="f-290"
      unitRef="shares">40253548</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockSharesAcquired
      contextRef="c-22"
      decimals="INF"
      id="f-291"
      unitRef="shares">40253548</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockValueAcquiredParValueMethod contextRef="c-24" decimals="-3" id="f-292" unitRef="usd">707742000</us-gaap:TreasuryStockValueAcquiredParValueMethod>
    <us-gaap:TreasuryStockValueAcquiredParValueMethod contextRef="c-10" decimals="-3" id="f-293" unitRef="usd">707742000</us-gaap:TreasuryStockValueAcquiredParValueMethod>
    <us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation
      contextRef="c-24"
      decimals="INF"
      id="f-294"
      unitRef="shares">1135509</us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation>
    <us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation
      contextRef="c-22"
      decimals="INF"
      id="f-295"
      unitRef="shares">1135509</us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation>
    <us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation contextRef="c-24" decimals="-3" id="f-296" unitRef="usd">20842000</us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation>
    <us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation contextRef="c-10" decimals="-3" id="f-297" unitRef="usd">20842000</us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation>
    <us-gaap:SharesIssued
      contextRef="c-25"
      decimals="INF"
      id="f-298"
      unitRef="shares">2510696</us-gaap:SharesIssued>
    <us-gaap:SharesIssued
      contextRef="c-26"
      decimals="INF"
      id="f-299"
      unitRef="shares">435121140</us-gaap:SharesIssued>
    <us-gaap:TreasuryStockCommonShares
      contextRef="c-27"
      decimals="INF"
      id="f-300"
      unitRef="shares">194445696</us-gaap:TreasuryStockCommonShares>
    <us-gaap:CommonStockSharesOutstanding
      contextRef="c-26"
      decimals="INF"
      id="f-301"
      unitRef="shares">240675444</us-gaap:CommonStockSharesOutstanding>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-25" decimals="-3" id="f-302" unitRef="usd">251070000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-26" decimals="-3" id="f-303" unitRef="usd">87025000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-28" decimals="-3" id="f-304" unitRef="usd">1109072000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-29" decimals="-3" id="f-305" unitRef="usd">-93870000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-30" decimals="-3" id="f-306" unitRef="usd">3163640000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-27" decimals="-3" id="f-307" unitRef="usd">-2789967000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-31" decimals="-3" id="f-308" unitRef="usd">1726970000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:SharesIssued
      contextRef="c-25"
      decimals="INF"
      id="f-309"
      unitRef="shares">2510696</us-gaap:SharesIssued>
    <us-gaap:SharesIssued
      contextRef="c-26"
      decimals="INF"
      id="f-310"
      unitRef="shares">435121140</us-gaap:SharesIssued>
    <us-gaap:TreasuryStockCommonShares
      contextRef="c-27"
      decimals="INF"
      id="f-311"
      unitRef="shares">194445696</us-gaap:TreasuryStockCommonShares>
    <us-gaap:CommonStockSharesOutstanding
      contextRef="c-26"
      decimals="INF"
      id="f-312"
      unitRef="shares">240675444</us-gaap:CommonStockSharesOutstanding>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-25" decimals="-3" id="f-313" unitRef="usd">251070000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-26" decimals="-3" id="f-314" unitRef="usd">87025000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-28" decimals="-3" id="f-315" unitRef="usd">1109072000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-29" decimals="-3" id="f-316" unitRef="usd">-93870000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-30" decimals="-3" id="f-317" unitRef="usd">3163640000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-27" decimals="-3" id="f-318" unitRef="usd">-2789967000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-31" decimals="-3" id="f-319" unitRef="usd">1726970000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:ProfitLoss contextRef="c-32" decimals="-3" id="f-320" unitRef="usd">581391000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-9" decimals="-3" id="f-321" unitRef="usd">581391000</us-gaap:ProfitLoss>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTax contextRef="c-33" decimals="-3" id="f-322" unitRef="usd">18766000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTax contextRef="c-9" decimals="-3" id="f-323" unitRef="usd">18766000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c-9" decimals="-3" id="f-324" unitRef="usd">600157000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:CommonStockDividendsPerShareDeclared
      contextRef="c-9"
      decimals="INF"
      id="f-325"
      unitRef="usdPerShare">0.44</us-gaap:CommonStockDividendsPerShareDeclared>
    <us-gaap:DividendsCommonStockCash contextRef="c-32" decimals="-3" id="f-326" unitRef="usd">101233000</us-gaap:DividendsCommonStockCash>
    <us-gaap:DividendsCommonStockCash contextRef="c-9" decimals="-3" id="f-327" unitRef="usd">101233000</us-gaap:DividendsCommonStockCash>
    <us-gaap:PreferredStockDividendRatePerDollarAmount
      contextRef="c-34"
      decimals="INF"
      id="f-328"
      unitRef="usdPerShare">7.05</us-gaap:PreferredStockDividendRatePerDollarAmount>
    <us-gaap:DividendsPreferredStockCash contextRef="c-35" decimals="-3" id="f-329" unitRef="usd">17705000</us-gaap:DividendsPreferredStockCash>
    <us-gaap:DividendsPreferredStockCash contextRef="c-34" decimals="-3" id="f-330" unitRef="usd">17705000</us-gaap:DividendsPreferredStockCash>
    <us-gaap:StockIssuedDuringPeriodSharesNewIssues
      contextRef="c-36"
      decimals="INF"
      id="f-331"
      unitRef="shares">3109276</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
    <us-gaap:StockIssuedDuringPeriodSharesNewIssues
      contextRef="c-36"
      decimals="INF"
      id="f-332"
      unitRef="shares">3109276</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-36" decimals="-3" id="f-333" unitRef="usd">622000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-37" decimals="-3" id="f-334" unitRef="usd">3237000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-32" decimals="-3" id="f-335" unitRef="usd">-1234000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-9" decimals="-3" id="f-336" unitRef="usd">2625000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-37" decimals="-3" id="f-337" unitRef="usd">36380000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-9" decimals="-3" id="f-338" unitRef="usd">36380000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:TreasuryStockSharesAcquired
      contextRef="c-38"
      decimals="INF"
      id="f-339"
      unitRef="shares">22341595</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockSharesAcquired
      contextRef="c-36"
      decimals="INF"
      id="f-340"
      unitRef="shares">22341595</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockValueAcquiredParValueMethod contextRef="c-38" decimals="-3" id="f-341" unitRef="usd">349397000</us-gaap:TreasuryStockValueAcquiredParValueMethod>
    <us-gaap:TreasuryStockValueAcquiredParValueMethod contextRef="c-9" decimals="-3" id="f-342" unitRef="usd">349397000</us-gaap:TreasuryStockValueAcquiredParValueMethod>
    <us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation
      contextRef="c-38"
      decimals="INF"
      id="f-343"
      unitRef="shares">1099241</us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation>
    <us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation
      contextRef="c-36"
      decimals="INF"
      id="f-344"
      unitRef="shares">1099241</us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation>
    <us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation contextRef="c-38" decimals="-3" id="f-345" unitRef="usd">17000000</us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation>
    <us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation contextRef="c-9" decimals="-3" id="f-346" unitRef="usd">17000000</us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation>
    <us-gaap:SharesIssued
      contextRef="c-39"
      decimals="INF"
      id="f-347"
      unitRef="shares">2510696</us-gaap:SharesIssued>
    <us-gaap:SharesIssued
      contextRef="c-40"
      decimals="INF"
      id="f-348"
      unitRef="shares">438230416</us-gaap:SharesIssued>
    <us-gaap:TreasuryStockCommonShares
      contextRef="c-41"
      decimals="INF"
      id="f-349"
      unitRef="shares">217886532</us-gaap:TreasuryStockCommonShares>
    <us-gaap:CommonStockSharesOutstanding
      contextRef="c-40"
      decimals="INF"
      id="f-350"
      unitRef="shares">220343884</us-gaap:CommonStockSharesOutstanding>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-39" decimals="-3" id="f-351" unitRef="usd">251070000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-40" decimals="-3" id="f-352" unitRef="usd">87647000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-42" decimals="-3" id="f-353" unitRef="usd">1148689000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-43" decimals="-3" id="f-354" unitRef="usd">-75104000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-44" decimals="-3" id="f-355" unitRef="usd">3624859000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-41" decimals="-3" id="f-356" unitRef="usd">-3156364000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-8" decimals="-3" id="f-357" unitRef="usd">1880797000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:SharesIssued
      contextRef="c-39"
      decimals="INF"
      id="f-358"
      unitRef="shares">2510696</us-gaap:SharesIssued>
    <us-gaap:SharesIssued
      contextRef="c-40"
      decimals="INF"
      id="f-359"
      unitRef="shares">438230416</us-gaap:SharesIssued>
    <us-gaap:TreasuryStockCommonShares
      contextRef="c-41"
      decimals="INF"
      id="f-360"
      unitRef="shares">217886532</us-gaap:TreasuryStockCommonShares>
    <us-gaap:CommonStockSharesOutstanding
      contextRef="c-40"
      decimals="INF"
      id="f-361"
      unitRef="shares">220343884</us-gaap:CommonStockSharesOutstanding>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-39" decimals="-3" id="f-362" unitRef="usd">251070000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-40" decimals="-3" id="f-363" unitRef="usd">87647000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-42" decimals="-3" id="f-364" unitRef="usd">1148689000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-43" decimals="-3" id="f-365" unitRef="usd">-75104000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-44" decimals="-3" id="f-366" unitRef="usd">3624859000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-41" decimals="-3" id="f-367" unitRef="usd">-3156364000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-8" decimals="-3" id="f-368" unitRef="usd">1880797000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:ProfitLoss contextRef="c-45" decimals="-3" id="f-369" unitRef="usd">608325000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-1" decimals="-3" id="f-370" unitRef="usd">608325000</us-gaap:ProfitLoss>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTax contextRef="c-46" decimals="-3" id="f-371" unitRef="usd">9243000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTax contextRef="c-1" decimals="-3" id="f-372" unitRef="usd">9243000</us-gaap:OtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c-1" decimals="-3" id="f-373" unitRef="usd">617568000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:CommonStockDividendsPerShareDeclared
      contextRef="c-1"
      decimals="INF"
      id="f-374"
      unitRef="usdPerShare">0.46</us-gaap:CommonStockDividendsPerShareDeclared>
    <us-gaap:DividendsCommonStockCash contextRef="c-45" decimals="-3" id="f-375" unitRef="usd">99172000</us-gaap:DividendsCommonStockCash>
    <us-gaap:DividendsCommonStockCash contextRef="c-1" decimals="-3" id="f-376" unitRef="usd">99172000</us-gaap:DividendsCommonStockCash>
    <us-gaap:PreferredStockDividendRatePerDollarAmount
      contextRef="c-47"
      decimals="INF"
      id="f-377"
      unitRef="usdPerShare">7.29</us-gaap:PreferredStockDividendRatePerDollarAmount>
    <us-gaap:DividendsPreferredStockCash contextRef="c-48" decimals="-3" id="f-378" unitRef="usd">18296000</us-gaap:DividendsPreferredStockCash>
    <us-gaap:DividendsPreferredStockCash contextRef="c-47" decimals="-3" id="f-379" unitRef="usd">18296000</us-gaap:DividendsPreferredStockCash>
    <us-gaap:StockIssuedDuringPeriodSharesNewIssues
      contextRef="c-49"
      decimals="INF"
      id="f-380"
      unitRef="shares">2374379</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
    <us-gaap:StockIssuedDuringPeriodSharesNewIssues
      contextRef="c-49"
      decimals="INF"
      id="f-381"
      unitRef="shares">2374379</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-49" decimals="-3" id="f-382" unitRef="usd">474000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-50" decimals="-3" id="f-383" unitRef="usd">5068000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-45" decimals="-3" id="f-384" unitRef="usd">-1270000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-1" decimals="-3" id="f-385" unitRef="usd">4272000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-50" decimals="-3" id="f-386" unitRef="usd">39996000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-45" decimals="-3" id="f-387" unitRef="usd">0</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-1" decimals="-3" id="f-388" unitRef="usd">39996000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:TreasuryStockSharesAcquired
      contextRef="c-51"
      decimals="INF"
      id="f-389"
      unitRef="shares">11586103</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockSharesAcquired
      contextRef="c-49"
      decimals="INF"
      id="f-390"
      unitRef="shares">11586103</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockValueAcquiredParValueMethod contextRef="c-51" decimals="-3" id="f-391" unitRef="usd">250108000</us-gaap:TreasuryStockValueAcquiredParValueMethod>
    <us-gaap:TreasuryStockValueAcquiredParValueMethod contextRef="c-1" decimals="-3" id="f-392" unitRef="usd">250108000</us-gaap:TreasuryStockValueAcquiredParValueMethod>
    <us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation
      contextRef="c-51"
      decimals="INF"
      id="f-393"
      unitRef="shares">749866</us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation>
    <us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation
      contextRef="c-49"
      decimals="INF"
      id="f-394"
      unitRef="shares">749866</us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation>
    <us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation contextRef="c-51" decimals="-3" id="f-395" unitRef="usd">15137000</us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation>
    <us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation contextRef="c-1" decimals="-3" id="f-396" unitRef="usd">15137000</us-gaap:AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation>
    <us-gaap:SharesIssued
      contextRef="c-52"
      decimals="INF"
      id="f-397"
      unitRef="shares">2510696</us-gaap:SharesIssued>
    <us-gaap:SharesIssued
      contextRef="c-53"
      decimals="INF"
      id="f-398"
      unitRef="shares">440604795</us-gaap:SharesIssued>
    <us-gaap:TreasuryStockCommonShares
      contextRef="c-54"
      decimals="INF"
      id="f-399"
      unitRef="shares">230222501</us-gaap:TreasuryStockCommonShares>
    <us-gaap:CommonStockSharesOutstanding
      contextRef="c-53"
      decimals="INF"
      id="f-400"
      unitRef="shares">210382294</us-gaap:CommonStockSharesOutstanding>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-52" decimals="-3" id="f-401" unitRef="usd">251070000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-53" decimals="-3" id="f-402" unitRef="usd">88121000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-55" decimals="-3" id="f-403" unitRef="usd">1193753000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-56" decimals="-3" id="f-404" unitRef="usd">-65861000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-57" decimals="-3" id="f-405" unitRef="usd">4114446000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-54" decimals="-3" id="f-406" unitRef="usd">-3421609000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-7" decimals="-3" id="f-407" unitRef="usd">2159920000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:ProfitLoss contextRef="c-1" decimals="-3" id="f-408" unitRef="usd">608325000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-9" decimals="-3" id="f-409" unitRef="usd">581391000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-10" decimals="-3" id="f-410" unitRef="usd">469014000</us-gaap:ProfitLoss>
    <slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-1" decimals="-3" id="f-411" unitRef="usd">408515000</slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal>
    <slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-9" decimals="-3" id="f-412" unitRef="usd">345463000</slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal>
    <slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-10" decimals="-3" id="f-413" unitRef="usd">633453000</slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="c-1" decimals="-3" id="f-414" unitRef="usd">-34327000</us-gaap:DeferredIncomeTaxExpenseBenefit>
    <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="c-9" decimals="-3" id="f-415" unitRef="usd">-23224000</us-gaap:DeferredIncomeTaxExpenseBenefit>
    <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="c-10" decimals="-3" id="f-416" unitRef="usd">-93670000</us-gaap:DeferredIncomeTaxExpenseBenefit>
    <slm:AmortizationofBrokeredDepositPlacement contextRef="c-1" decimals="-3" id="f-417" unitRef="usd">10529000</slm:AmortizationofBrokeredDepositPlacement>
    <slm:AmortizationofBrokeredDepositPlacement contextRef="c-9" decimals="-3" id="f-418" unitRef="usd">11681000</slm:AmortizationofBrokeredDepositPlacement>
    <slm:AmortizationofBrokeredDepositPlacement contextRef="c-10" decimals="-3" id="f-419" unitRef="usd">12904000</slm:AmortizationofBrokeredDepositPlacement>
    <slm:AmortizationOfABCPUpfrontLoanFees contextRef="c-1" decimals="-3" id="f-420" unitRef="usd">2359000</slm:AmortizationOfABCPUpfrontLoanFees>
    <slm:AmortizationOfABCPUpfrontLoanFees contextRef="c-9" decimals="-3" id="f-421" unitRef="usd">2869000</slm:AmortizationOfABCPUpfrontLoanFees>
    <slm:AmortizationOfABCPUpfrontLoanFees contextRef="c-10" decimals="-3" id="f-422" unitRef="usd">2634000</slm:AmortizationOfABCPUpfrontLoanFees>
    <us-gaap:AmortizationOfDeferredLoanOriginationFeesNet contextRef="c-1" decimals="-3" id="f-423" unitRef="usd">-12883000</us-gaap:AmortizationOfDeferredLoanOriginationFeesNet>
    <us-gaap:AmortizationOfDeferredLoanOriginationFeesNet contextRef="c-9" decimals="-3" id="f-424" unitRef="usd">-12583000</us-gaap:AmortizationOfDeferredLoanOriginationFeesNet>
    <us-gaap:AmortizationOfDeferredLoanOriginationFeesNet contextRef="c-10" decimals="-3" id="f-425" unitRef="usd">-14804000</us-gaap:AmortizationOfDeferredLoanOriginationFeesNet>
    <us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments contextRef="c-1" decimals="-3" id="f-426" unitRef="usd">1772000</us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments>
    <us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments contextRef="c-9" decimals="-3" id="f-427" unitRef="usd">2726000</us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments>
    <us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments contextRef="c-10" decimals="-3" id="f-428" unitRef="usd">-103000</us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments>
    <slm:InterestIncomeonTaxIndemnificationReceivable contextRef="c-1" decimals="-3" id="f-429" unitRef="usd">0</slm:InterestIncomeonTaxIndemnificationReceivable>
    <slm:InterestIncomeonTaxIndemnificationReceivable contextRef="c-9" decimals="-3" id="f-430" unitRef="usd">-2816000</slm:InterestIncomeonTaxIndemnificationReceivable>
    <slm:InterestIncomeonTaxIndemnificationReceivable contextRef="c-10" decimals="-3" id="f-431" unitRef="usd">-5231000</slm:InterestIncomeonTaxIndemnificationReceivable>
    <us-gaap:Depreciation contextRef="c-1" decimals="-3" id="f-432" unitRef="usd">17652000</us-gaap:Depreciation>
    <us-gaap:Depreciation contextRef="c-9" decimals="-3" id="f-433" unitRef="usd">17811000</us-gaap:Depreciation>
    <us-gaap:Depreciation contextRef="c-10" decimals="-3" id="f-434" unitRef="usd">17331000</us-gaap:Depreciation>
    <slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets contextRef="c-1" decimals="-3" id="f-435" unitRef="usd">5329000</slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets>
    <slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets contextRef="c-9" decimals="-3" id="f-436" unitRef="usd">66364000</slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets>
    <slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets contextRef="c-10" decimals="-3" id="f-437" unitRef="usd">7779000</slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets>
    <us-gaap:ShareBasedCompensation contextRef="c-1" decimals="-3" id="f-438" unitRef="usd">39996000</us-gaap:ShareBasedCompensation>
    <us-gaap:ShareBasedCompensation contextRef="c-9" decimals="-3" id="f-439" unitRef="usd">36380000</us-gaap:ShareBasedCompensation>
    <us-gaap:ShareBasedCompensation contextRef="c-10" decimals="-3" id="f-440" unitRef="usd">34461000</us-gaap:ShareBasedCompensation>
    <us-gaap:UnrealizedGainLossOnDerivatives contextRef="c-1" decimals="-3" id="f-441" unitRef="usd">-65000</us-gaap:UnrealizedGainLossOnDerivatives>
    <us-gaap:UnrealizedGainLossOnDerivatives contextRef="c-9" decimals="-3" id="f-442" unitRef="usd">341000</us-gaap:UnrealizedGainLossOnDerivatives>
    <us-gaap:UnrealizedGainLossOnDerivatives contextRef="c-10" decimals="-3" id="f-443" unitRef="usd">-269000</us-gaap:UnrealizedGainLossOnDerivatives>
    <us-gaap:GainLossOnSalesOfLoansNet contextRef="c-1" decimals="-3" id="f-444" unitRef="usd">254928000</us-gaap:GainLossOnSalesOfLoansNet>
    <us-gaap:GainLossOnSalesOfLoansNet contextRef="c-9" decimals="-3" id="f-445" unitRef="usd">160290000</us-gaap:GainLossOnSalesOfLoansNet>
    <us-gaap:GainLossOnSalesOfLoansNet contextRef="c-10" decimals="-3" id="f-446" unitRef="usd">327750000</us-gaap:GainLossOnSalesOfLoansNet>
    <us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS contextRef="c-1" decimals="-3" id="f-447" unitRef="usd">467000</us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS>
    <us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS contextRef="c-9" decimals="-3" id="f-448" unitRef="usd">2678000</us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS>
    <us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS contextRef="c-10" decimals="-3" id="f-449" unitRef="usd">-60267000</us-gaap:GainLossOnSalesOfMortgageBackedSecuritiesMBS>
    <us-gaap:AmortizationOfAcquisitionCosts contextRef="c-1" decimals="-3" id="f-450" unitRef="usd">0</us-gaap:AmortizationOfAcquisitionCosts>
    <us-gaap:AmortizationOfAcquisitionCosts contextRef="c-9" decimals="-3" id="f-451" unitRef="usd">952000</us-gaap:AmortizationOfAcquisitionCosts>
    <us-gaap:AmortizationOfAcquisitionCosts contextRef="c-10" decimals="-3" id="f-452" unitRef="usd">2603000</us-gaap:AmortizationOfAcquisitionCosts>
    <us-gaap:OtherNoncashIncomeExpense contextRef="c-1" decimals="-3" id="f-453" unitRef="usd">-12563000</us-gaap:OtherNoncashIncomeExpense>
    <us-gaap:OtherNoncashIncomeExpense contextRef="c-9" decimals="-3" id="f-454" unitRef="usd">-16212000</us-gaap:OtherNoncashIncomeExpense>
    <us-gaap:OtherNoncashIncomeExpense contextRef="c-10" decimals="-3" id="f-455" unitRef="usd">-14213000</us-gaap:OtherNoncashIncomeExpense>
    <us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet contextRef="c-1" decimals="-3" id="f-456" unitRef="usd">1110434000</us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>
    <us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet contextRef="c-9" decimals="-3" id="f-457" unitRef="usd">1054071000</us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>
    <us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet contextRef="c-10" decimals="-3" id="f-458" unitRef="usd">819958000</us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>
    <slm:PaymentsToAcquireTradingSecuritiesHeldForSale contextRef="c-1" decimals="-3" id="f-459" unitRef="usd">0</slm:PaymentsToAcquireTradingSecuritiesHeldForSale>
    <slm:PaymentsToAcquireTradingSecuritiesHeldForSale contextRef="c-9" decimals="-3" id="f-460" unitRef="usd">0</slm:PaymentsToAcquireTradingSecuritiesHeldForSale>
    <slm:PaymentsToAcquireTradingSecuritiesHeldForSale contextRef="c-10" decimals="-3" id="f-461" unitRef="usd">5117000</slm:PaymentsToAcquireTradingSecuritiesHeldForSale>
    <us-gaap:IncreaseDecreaseInEquitySecuritiesFvNi contextRef="c-1" decimals="-3" id="f-462" unitRef="usd">11336000</us-gaap:IncreaseDecreaseInEquitySecuritiesFvNi>
    <us-gaap:IncreaseDecreaseInEquitySecuritiesFvNi contextRef="c-9" decimals="-3" id="f-463" unitRef="usd">1256000</us-gaap:IncreaseDecreaseInEquitySecuritiesFvNi>
    <us-gaap:IncreaseDecreaseInEquitySecuritiesFvNi contextRef="c-10" decimals="-3" id="f-464" unitRef="usd">2050000</us-gaap:IncreaseDecreaseInEquitySecuritiesFvNi>
    <us-gaap:PaymentsForProceedsFromOtherInterestEarningAssets contextRef="c-1" decimals="-3" id="f-465" unitRef="usd">-4349000</us-gaap:PaymentsForProceedsFromOtherInterestEarningAssets>
    <us-gaap:PaymentsForProceedsFromOtherInterestEarningAssets contextRef="c-9" decimals="-3" id="f-466" unitRef="usd">-1933000</us-gaap:PaymentsForProceedsFromOtherInterestEarningAssets>
    <us-gaap:PaymentsForProceedsFromOtherInterestEarningAssets contextRef="c-10" decimals="-3" id="f-467" unitRef="usd">1507000</us-gaap:PaymentsForProceedsFromOtherInterestEarningAssets>
    <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c-1" decimals="-3" id="f-468" unitRef="usd">6531000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
    <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c-9" decimals="-3" id="f-469" unitRef="usd">38902000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
    <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c-10" decimals="-3" id="f-470" unitRef="usd">23472000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
    <us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable contextRef="c-1" decimals="-3" id="f-471" unitRef="usd">-20408000</us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable>
    <us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable contextRef="c-9" decimals="-3" id="f-472" unitRef="usd">36723000</us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable>
    <us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable contextRef="c-10" decimals="-3" id="f-473" unitRef="usd">-15063000</us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable>
    <us-gaap:IncreaseDecreaseInInterestPayableNet contextRef="c-1" decimals="-3" id="f-474" unitRef="usd">3423000</us-gaap:IncreaseDecreaseInInterestPayableNet>
    <us-gaap:IncreaseDecreaseInInterestPayableNet contextRef="c-9" decimals="-3" id="f-475" unitRef="usd">33480000</us-gaap:IncreaseDecreaseInInterestPayableNet>
    <us-gaap:IncreaseDecreaseInInterestPayableNet contextRef="c-10" decimals="-3" id="f-476" unitRef="usd">24986000</us-gaap:IncreaseDecreaseInInterestPayableNet>
    <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="c-1" decimals="-3" id="f-477" unitRef="usd">-15180000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
    <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="c-9" decimals="-3" id="f-478" unitRef="usd">-27807000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
    <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="c-10" decimals="-3" id="f-479" unitRef="usd">-6473000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
    <us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities contextRef="c-1" decimals="-3" id="f-480" unitRef="usd">-937720000</us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities>
    <us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities contextRef="c-9" decimals="-3" id="f-481" unitRef="usd">-726028000</us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities>
    <us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities contextRef="c-10" decimals="-3" id="f-482" unitRef="usd">-464022000</us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities>
    <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c-1" decimals="-3" id="f-483" unitRef="usd">-329395000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
    <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c-9" decimals="-3" id="f-484" unitRef="usd">-144637000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
    <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c-10" decimals="-3" id="f-485" unitRef="usd">4992000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
    <slm:StudentLoansacquiredandoriginated contextRef="c-1" decimals="-3" id="f-486" unitRef="usd">7064230000</slm:StudentLoansacquiredandoriginated>
    <slm:StudentLoansacquiredandoriginated contextRef="c-9" decimals="-3" id="f-487" unitRef="usd">6452199000</slm:StudentLoansacquiredandoriginated>
    <slm:StudentLoansacquiredandoriginated contextRef="c-10" decimals="-3" id="f-488" unitRef="usd">6081389000</slm:StudentLoansacquiredandoriginated>
    <slm:NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale contextRef="c-1" decimals="-3" id="f-489" unitRef="usd">4246602000</slm:NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale>
    <slm:NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale contextRef="c-9" decimals="-3" id="f-490" unitRef="usd">3198502000</slm:NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale>
    <slm:NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale contextRef="c-10" decimals="-3" id="f-491" unitRef="usd">3459527000</slm:NetProceedsFromLoansHeldForInvestmentAndLoansHeldForSale>
    <slm:ProceedsfromClaimpayments contextRef="c-1" decimals="-3" id="f-492" unitRef="usd">27579000</slm:ProceedsfromClaimpayments>
    <slm:ProceedsfromClaimpayments contextRef="c-9" decimals="-3" id="f-493" unitRef="usd">50145000</slm:ProceedsfromClaimpayments>
    <slm:ProceedsfromClaimpayments contextRef="c-10" decimals="-3" id="f-494" unitRef="usd">33197000</slm:ProceedsfromClaimpayments>
    <slm:NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale contextRef="c-1" decimals="-3" id="f-495" unitRef="usd">-2725473000</slm:NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale>
    <slm:NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale contextRef="c-9" decimals="-3" id="f-496" unitRef="usd">-3046064000</slm:NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale>
    <slm:NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale contextRef="c-10" decimals="-3" id="f-497" unitRef="usd">-3586825000</slm:NetDecreaseInLoansHeldForInvestmentAndLoansHeldForSale>
    <us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt contextRef="c-1" decimals="-3" id="f-498" unitRef="usd">91881000</us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt>
    <us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt contextRef="c-9" decimals="-3" id="f-499" unitRef="usd">105970000</us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt>
    <us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt contextRef="c-10" decimals="-3" id="f-500" unitRef="usd">753129000</us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt>
    <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities contextRef="c-1" decimals="-3" id="f-501" unitRef="usd">832450000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
    <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities contextRef="c-9" decimals="-3" id="f-502" unitRef="usd">265652000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
    <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities contextRef="c-10" decimals="-3" id="f-503" unitRef="usd">960015000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
    <us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates contextRef="c-1" decimals="-3" id="f-504" unitRef="usd">0</us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates>
    <us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates contextRef="c-9" decimals="-3" id="f-505" unitRef="usd">14654000</us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates>
    <us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates contextRef="c-10" decimals="-3" id="f-506" unitRef="usd">127654000</us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates>
    <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="c-1" decimals="-3" id="f-507" unitRef="usd">675993000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
    <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="c-9" decimals="-3" id="f-508" unitRef="usd">-12460000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
    <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="c-10" decimals="-3" id="f-509" unitRef="usd">1077392000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
    <slm:Cashpaidforbrokereddepositplacementfee contextRef="c-1" decimals="-3" id="f-510" unitRef="usd">7975000</slm:Cashpaidforbrokereddepositplacementfee>
    <slm:Cashpaidforbrokereddepositplacementfee contextRef="c-9" decimals="-3" id="f-511" unitRef="usd">7841000</slm:Cashpaidforbrokereddepositplacementfee>
    <slm:Cashpaidforbrokereddepositplacementfee contextRef="c-10" decimals="-3" id="f-512" unitRef="usd">11170000</slm:Cashpaidforbrokereddepositplacementfee>
    <slm:Netincreasedecreaseinbrokeredcertificatesofdeposit contextRef="c-1" decimals="-3" id="f-513" unitRef="usd">88444000</slm:Netincreasedecreaseinbrokeredcertificatesofdeposit>
    <slm:Netincreasedecreaseinbrokeredcertificatesofdeposit contextRef="c-9" decimals="-3" id="f-514" unitRef="usd">953412000</slm:Netincreasedecreaseinbrokeredcertificatesofdeposit>
    <slm:Netincreasedecreaseinbrokeredcertificatesofdeposit contextRef="c-10" decimals="-3" id="f-515" unitRef="usd">130109000</slm:Netincreasedecreaseinbrokeredcertificatesofdeposit>
    <slm:NetincreaseinMMDAdeposits contextRef="c-1" decimals="-3" id="f-516" unitRef="usd">-687108000</slm:NetincreaseinMMDAdeposits>
    <slm:NetincreaseinMMDAdeposits contextRef="c-9" decimals="-3" id="f-517" unitRef="usd">-770485000</slm:NetincreaseinMMDAdeposits>
    <slm:NetincreaseinMMDAdeposits contextRef="c-10" decimals="-3" id="f-518" unitRef="usd">570147000</slm:NetincreaseinMMDAdeposits>
    <us-gaap:PaymentsOfDebtIssuanceCosts contextRef="c-58" decimals="-3" id="f-519" unitRef="usd">0</us-gaap:PaymentsOfDebtIssuanceCosts>
    <us-gaap:PaymentsOfDebtIssuanceCosts contextRef="c-59" decimals="-3" id="f-520" unitRef="usd">15000</us-gaap:PaymentsOfDebtIssuanceCosts>
    <us-gaap:PaymentsOfDebtIssuanceCosts contextRef="c-60" decimals="-3" id="f-521" unitRef="usd">40000</us-gaap:PaymentsOfDebtIssuanceCosts>
    <slm:BorrowingsCollateralizedByLoansInTrustIssued contextRef="c-1" decimals="-3" id="f-522" unitRef="usd">2206704000</slm:BorrowingsCollateralizedByLoansInTrustIssued>
    <slm:BorrowingsCollateralizedByLoansInTrustIssued contextRef="c-9" decimals="-3" id="f-523" unitRef="usd">1135036000</slm:BorrowingsCollateralizedByLoansInTrustIssued>
    <slm:BorrowingsCollateralizedByLoansInTrustIssued contextRef="c-10" decimals="-3" id="f-524" unitRef="usd">572640000</slm:BorrowingsCollateralizedByLoansInTrustIssued>
    <slm:BorrowingsCollateralizedByLoansInTrustRepaid contextRef="c-1" decimals="-3" id="f-525" unitRef="usd">1004117000</slm:BorrowingsCollateralizedByLoansInTrustRepaid>
    <slm:BorrowingsCollateralizedByLoansInTrustRepaid contextRef="c-9" decimals="-3" id="f-526" unitRef="usd">1154269000</slm:BorrowingsCollateralizedByLoansInTrustRepaid>
    <slm:BorrowingsCollateralizedByLoansInTrustRepaid contextRef="c-10" decimals="-3" id="f-527" unitRef="usd">1278183000</slm:BorrowingsCollateralizedByLoansInTrustRepaid>
    <slm:NetIncreaseDecreaseinUpfrontLoanFees contextRef="c-1" decimals="-3" id="f-528" unitRef="usd">-2357000</slm:NetIncreaseDecreaseinUpfrontLoanFees>
    <slm:NetIncreaseDecreaseinUpfrontLoanFees contextRef="c-9" decimals="-3" id="f-529" unitRef="usd">-2868000</slm:NetIncreaseDecreaseinUpfrontLoanFees>
    <slm:NetIncreaseDecreaseinUpfrontLoanFees contextRef="c-10" decimals="-3" id="f-530" unitRef="usd">-2833000</slm:NetIncreaseDecreaseinUpfrontLoanFees>
    <us-gaap:PaymentsOfDebtIssuanceCosts contextRef="c-61" decimals="-3" id="f-531" unitRef="usd">0</us-gaap:PaymentsOfDebtIssuanceCosts>
    <us-gaap:PaymentsOfDebtIssuanceCosts contextRef="c-62" decimals="-3" id="f-532" unitRef="usd">0</us-gaap:PaymentsOfDebtIssuanceCosts>
    <us-gaap:PaymentsOfDebtIssuanceCosts contextRef="c-63" decimals="-3" id="f-533" unitRef="usd">375000</us-gaap:PaymentsOfDebtIssuanceCosts>
    <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock contextRef="c-1" decimals="-3" id="f-534" unitRef="usd">18296000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
    <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock contextRef="c-9" decimals="-3" id="f-535" unitRef="usd">17705000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
    <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock contextRef="c-10" decimals="-3" id="f-536" unitRef="usd">9029000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
    <us-gaap:PaymentsOfDividendsCommonStock contextRef="c-1" decimals="-3" id="f-537" unitRef="usd">99172000</us-gaap:PaymentsOfDividendsCommonStock>
    <us-gaap:PaymentsOfDividendsCommonStock contextRef="c-9" decimals="-3" id="f-538" unitRef="usd">101233000</us-gaap:PaymentsOfDividendsCommonStock>
    <us-gaap:PaymentsOfDividendsCommonStock contextRef="c-10" decimals="-3" id="f-539" unitRef="usd">112961000</us-gaap:PaymentsOfDividendsCommonStock>
    <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="c-1" decimals="-3" id="f-540" unitRef="usd">247968000</us-gaap:PaymentsForRepurchaseOfCommonStock>
    <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="c-9" decimals="-3" id="f-541" unitRef="usd">350264000</us-gaap:PaymentsForRepurchaseOfCommonStock>
    <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="c-10" decimals="-3" id="f-542" unitRef="usd">713197000</us-gaap:PaymentsForRepurchaseOfCommonStock>
    <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c-1" decimals="-3" id="f-543" unitRef="usd">228155000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
    <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c-9" decimals="-3" id="f-544" unitRef="usd">-316232000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
    <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c-10" decimals="-3" id="f-545" unitRef="usd">-854892000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="c-1" decimals="-3" id="f-546" unitRef="usd">574753000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="c-9" decimals="-3" id="f-547" unitRef="usd">-473329000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="c-10" decimals="-3" id="f-548" unitRef="usd">227492000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-8" decimals="-3" id="f-549" unitRef="usd">4299507000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-31" decimals="-3" id="f-550" unitRef="usd">4772836000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-17" decimals="-3" id="f-551" unitRef="usd">4545344000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-7" decimals="-3" id="f-552" unitRef="usd">4874260000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-8" decimals="-3" id="f-553" unitRef="usd">4299507000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-31" decimals="-3" id="f-554" unitRef="usd">4772836000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:InterestPaidNet contextRef="c-1" decimals="-3" id="f-555" unitRef="usd">1109084000</us-gaap:InterestPaidNet>
    <us-gaap:InterestPaidNet contextRef="c-9" decimals="-3" id="f-556" unitRef="usd">963260000</us-gaap:InterestPaidNet>
    <us-gaap:InterestPaidNet contextRef="c-10" decimals="-3" id="f-557" unitRef="usd">482974000</us-gaap:InterestPaidNet>
    <us-gaap:IncomeTaxesPaid contextRef="c-1" decimals="-3" id="f-558" unitRef="usd">243341000</us-gaap:IncomeTaxesPaid>
    <us-gaap:IncomeTaxesPaid contextRef="c-9" decimals="-3" id="f-559" unitRef="usd">191690000</us-gaap:IncomeTaxesPaid>
    <us-gaap:IncomeTaxesPaid contextRef="c-10" decimals="-3" id="f-560" unitRef="usd">272940000</us-gaap:IncomeTaxesPaid>
    <us-gaap:ProceedsFromIncomeTaxRefunds contextRef="c-1" decimals="-3" id="f-561" unitRef="usd">1395000</us-gaap:ProceedsFromIncomeTaxRefunds>
    <us-gaap:ProceedsFromIncomeTaxRefunds contextRef="c-9" decimals="-3" id="f-562" unitRef="usd">8201000</us-gaap:ProceedsFromIncomeTaxRefunds>
    <us-gaap:ProceedsFromIncomeTaxRefunds contextRef="c-10" decimals="-3" id="f-563" unitRef="usd">2043000</us-gaap:ProceedsFromIncomeTaxRefunds>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-7" decimals="-3" id="f-564" unitRef="usd">4700366000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-8" decimals="-3" id="f-565" unitRef="usd">4149838000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-31" decimals="-3" id="f-566" unitRef="usd">4616117000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:RestrictedCashAndInvestments contextRef="c-7" decimals="-3" id="f-567" unitRef="usd">173894000</us-gaap:RestrictedCashAndInvestments>
    <us-gaap:RestrictedCashAndInvestments contextRef="c-8" decimals="-3" id="f-568" unitRef="usd">149669000</us-gaap:RestrictedCashAndInvestments>
    <us-gaap:RestrictedCashAndInvestments contextRef="c-31" decimals="-3" id="f-569" unitRef="usd">156719000</us-gaap:RestrictedCashAndInvestments>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-7" decimals="-3" id="f-570" unitRef="usd">4874260000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-8" decimals="-3" id="f-571" unitRef="usd">4299507000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-31" decimals="-3" id="f-572" unitRef="usd">4772836000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:InterestCostsCapitalized contextRef="c-1" decimals="-3" id="f-573" unitRef="usd">632504000</us-gaap:InterestCostsCapitalized>
    <us-gaap:InterestCostsCapitalized contextRef="c-9" decimals="-3" id="f-574" unitRef="usd">632649000</us-gaap:InterestCostsCapitalized>
    <us-gaap:InterestCostsCapitalized contextRef="c-10" decimals="-3" id="f-575" unitRef="usd">589725000</us-gaap:InterestCostsCapitalized>
    <slm:TradingInvestmentReceivedInConsiderationForLoansSold contextRef="c-1" decimals="-3" id="f-576" unitRef="usd">5218000</slm:TradingInvestmentReceivedInConsiderationForLoansSold>
    <slm:TradingInvestmentReceivedInConsiderationForLoansSold contextRef="c-9" decimals="-3" id="f-577" unitRef="usd">5327000</slm:TradingInvestmentReceivedInConsiderationForLoansSold>
    <slm:TradingInvestmentReceivedInConsiderationForLoansSold contextRef="c-10" decimals="-3" id="f-578" unitRef="usd">16477000</slm:TradingInvestmentReceivedInConsiderationForLoansSold>
    <slm:AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold contextRef="c-1" decimals="-3" id="f-579" unitRef="usd">210371000</slm:AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold>
    <slm:AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold contextRef="c-9" decimals="-3" id="f-580" unitRef="usd">162256000</slm:AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold>
    <slm:AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold contextRef="c-10" decimals="-3" id="f-581" unitRef="usd">222663000</slm:AvailableForSaleInvestmentsReceivedInConsiderationForLoansSold>
    <us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock contextRef="c-1" id="f-582">&lt;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"&gt;Organization and Business &lt;/span&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;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 financial brand for higher education. &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;While the Sallie Mae name has existed for more than 50 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, consolidation loan, and business processing businesses. 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 documents executed in connection with the Spin-Off. 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;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 previously existing 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>
    <us-gaap:SignificantAccountingPoliciesTextBlock contextRef="c-1" id="f-583">Significant Accounting Policies &lt;div style="margin-top:9pt;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;Use of Estimates and Assumptions&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 financial reporting and accounting policies of SLM Corporation conform to generally accepted accounting principles in the United States of America (&#x201c;GAAP&#x201d;). 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:9pt;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:9pt;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: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;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:9pt;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: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 are 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 residual classes, which we classify as trading investments recorded at fair value with changes recorded through earnings.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;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: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 available-for-sale investments consist of mortgage-backed securities, Utah Housing Corporation bonds, U.S. government-sponsored enterprises and Treasury securities, and the vertical risk retention interests described above (other than residual classes). 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: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 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: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 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 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: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 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: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;Loans Held for Investment&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;Loans, consisting of Private Education Loans, 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;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loan Interest Income.&#x201d; Loans that are held for investment are reported net of an allowance for credit losses. During the third quarter of 2024, we transferred our FFELP Loan portfolio from loans held for investment to loans held for sale as we planned to sell the portfolio. During the fourth quarter of 2024, we sold our FFELP Loan portfolio to a third party. This transaction qualified for sale treatment and removed the balance of the loans from our balance sheet on the settlement date.&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;Loans 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;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 that 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 that loan.&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 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: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;Restricted Cash &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 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: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;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;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 method. 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: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;To estimate the future expected cash flows, we use statistical loan-level models that consider life of loan expectations for defaults, prepayments, recoveries, and any other qualitative 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: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 estimate future default rates used in our current expected credit losses at a loan level using historical loss experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable period. At the end of the reasonable and supportable forecast period, we immediately revert our forecasted economic factors to long-term historical averages. We estimate future prepayment speeds used in our current expected credit losses at a loan level using historical prepayment experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable 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-weight:400;line-height:120%"&gt;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. 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: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 future default rates and prepayment speeds in our current expected credit losses, we use a combination of expected economic scenarios coupled with our historical experience and adjust 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;We obtain forecasts for our loss model inputs from Moody&#x2019;s Analytics. Moody&#x2019;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 December 31, 2024, December 31, 2023, and December 31, 2022, we used the Baseline (50th percentile likelihood of occurring)/S1 (stronger near-term growth scenario - 10 percent likelihood of occurring)/S3 (unfavorable (or downside) scenario - 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: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 expect to 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;In addition to the above modeling approach, we also take certain qualitative factors into consideration when calculating the allowance for credit losses, which could result in management overlays (increases or decreases to the allowance for credit losses). These management overlays can encompass a broad array of factors not captured by model inputs, including, but not limited to, changes in lending policies and procedures, including changes in underwriting standards, changes in servicing policies and collection administration practices, including the loan modification program changes implemented in the fourth quarter of 2023, state law changes that could impact servicing and collection practices, charge-offs, recoveries not already included in the analysis, the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses, the performance of the model over time versus actual losses, and any other operational or regulatory changes that could affect our estimate of 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;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 &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;the estimate of the allowance for credit losses, the timing of when losses are recognized, and the related provision for credit losses in 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; 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;Of the model inputs outlined above, economic forecasts, weighting of economic forecasts, 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.&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 the fourth quarter of 2022, we changed our loss model to include forecasts of college graduate unemployment, retail sales, and median family income in determining the adequacy of the allowance for credit losses. Prior to this change, we included forecasts of college graduate unemployment and the Consumer Price Index in our loss forecasting models. &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 2023, we experienced slower prepayment rates due to the rising interest rate environment.  Historically, when rates rise, loan prepayments decline due to a reduction in consolidation activity of our borrowers to third party lenders, and when rates decline, loan prepayments rise due to an increase in consolidation activity of our borrowers to third party lenders. During 2023, our estimates of future prepayment speeds reflected the then current interest rate environment and future expectations of increased prepayment speeds in line with market expectations of a decline in interest rates based on the scenarios produced by Moody's Analytics described above. Slower prepayment speeds increase the allowance for credit losses because the loss rates applied in the future periods are applied to higher loan balances. In the second quarter of 2024, we implemented a loan-level future default rate model that includes current portfolio characteristics and forecasts of real gross domestic product and college graduate unemployment. &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 the second quarter of 2024, we also implemented a future prepayment speeds model to include forecasts of real gross domestic product, retail sales, the Secured Overnight Financing Rate (&#x201c;SOFR&#x201d;), and the U.S. 10-year treasury rate. These models reduce the reliance on certain qualitative overlays compared to the previous default rate and prepayment speeds models. Prior to these changes, our default rate and prepayment speeds models used forecasts of college graduate unemployment, retail sales, home price index, and median family income. Both the future default rate model and the future prepayment speeds model are used in determining the adequacy of the allowance for credit losses. The combined impact upon implementation of these model enhancements and the changes in the related qualitative overlays did not have a material impact on the overall level of our 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;Below we describe in further detail our policies and procedures for the allowance for credit losses as they relate to our Private Education Loan portfolio. During the third quarter of 2024, we reclassified our FFELP Loan portfolio to loans held for sale and subsequently sold the FFELP Loan portfolio to a third party during the fourth quarter of 2024. During the third quarter of 2022, we reclassified our Credit Card loan portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023. &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&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 &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;In the second quarter of 2023, we changed how we collect on defaulted loans. Previously, we used a mix of in-house collectors and sales to third parties. We continue to sell a segment of defaulted loans immediately after charge-off but no longer sell retained defaulted loans (that have been subject to internal collection attempts for six months) to third parties and instead continue our collection efforts using in-house collectors and third-party collectors. This improved our estimate of recovery rates for the year ended December 31, 2023. When we estimate the timing and amount of future recoveries on charged-off loans, we no longer include expectations of future sales on retained defaulted loans. We continue to monitor how we collect on defaulted loans and may modify the approach from time to time based on performance, industry conventions, and/or regulatory feedback.&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 December 31, 2022, 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 December 31, 2024 and 2023, 26 percent and 25 percent, respectively, 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 (forbearance) for certain borrowers requesting an extended grace period upon leaving school or experiencing temporary difficulty meeting payment obligations.&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 the metrics considered are the allowance coverage of net charge-offs ratio; the allowance as a percentage of ending total loans plus unfunded loan commitments and total accrued interest receivable; 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 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;Off-Balance Sheet Exposure for Contractual Loan Commitments &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 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 &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 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 and the allowance for credit losses described above consider both the collectability of principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. The allowance for uncollectible interest uses historical experience to estimate the uncollectible interest on loans for which payment in full of principal or interest is not expected.  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 &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;At September 30, 2022, we transferred our Credit Card portfolio to loans held for sale as we planned to sell our Credit Card portfolio.  At that time, we reversed $2.4&#160;million through the provisions for credit losses for the allowance related to these loans. We subsequently sold the Credit Card portfolio to a third party in May 2023. &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 FFELP 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-weight:400;line-height:120%"&gt;During the third quarter of 2024, we transferred our FFELP Loan portfolio to loans held for sale as we planned to sell our FFELP Loan portfolio. At that time, we wrote down this loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $8&#160;million. We subsequently sold the FFELP Loan portfolio to a third party in the fourth quarter of 2024.  &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;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, owners receive 97 percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, owners receive 98 percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, owners receive 100 percent reimbursement. Because owners 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 were 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;For the years ended December 31, 2023 and 2022, we used the gross loss approach when estimating the allowance for credit losses for the unguaranteed portion of our FFELP Loans. We maintained 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 used historical experience of customer default behavior. We applied the default rate projections, net of applicable risk sharing, to our FFELP Loans for the respective 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: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;Business Combinations &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 4, 2022, we completed the acquisition of the assets primarily used or held for use of Epic Research Education Services, LLC, which did business as Nitro College (&#x201c;Nitro&#x201d;). Nitro provided resources that helped students and families evaluate how to responsibly pay for college and manage their financial responsibilities after graduation. The addition of Nitro supports our mission of providing students with the confidence needed to successfully navigate the higher education journey. The acquisition of the Nitro assets, including its employees and intellectual property, expanded our digital marketing capabilities, reduced the cost to acquire customer accounts, and accelerated our progress to become a broader education solutions provider for students before, during, and immediately after college. In 2024, we completed the transition of the related Nitro branding to the Sallie and Sallie Mae brands and platforms. &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;On July 21, 2023, we completed the acquisition of several key assets of Scholly, Inc. (&#x201c;Scholly&#x201d;). Scholly was engaged in the business of operating as a scholarship publishing and servicing platform, comprised of websites and mobile application search products that offered custom recommendations for post-secondary scholarships for students, their families, and others as well as related services for scholarship providers. The addition of Scholly assets supports our mission of providing students with the confidence needed to successfully navigate the higher education journey.&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;These acquisitions were accounted for as business combinations using the acquisition method of accounting in accordance with the Accounting Standard Codification 805, &#x201c;Business Combinations,&#x201d; of the Financial Accounting Standards Board (&#x201c;FASB&#x201d;), whereby as of the respective acquisition date, the acquired tangible assets and liabilities were recorded at their estimated fair values. The identifiable intangible assets were recorded at fair values as determined by an independent appraiser. The final purchase price allocation for Nitro resulted in an excess purchase price over fair value of &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;net assets acquired, or goodwill, of $51&#160;million. The final purchase price allocation for Scholly resulted in an excess purchase price over fair value of net assets acquired, or goodwill, of $5&#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;The results of operations of Nitro and Scholly have been included in our consolidated financial statements since the respective acquisition dates. We have not disclosed the pro forma impact of these acquisitions to the results of operations for the years ended December 31, 2023 and 2022, as the pro forma impacts were deemed immaterial. Transaction costs associated with the Nitro acquisition were approximately $3&#160;million and were expensed as incurred within &#x201c;Other operating expenses&#x201d; in the consolidated statements of income for the year ended December 31, 2022. Transaction costs associated with the Scholly acquisition were approximately $1&#160;million and were expensed as incurred within &#x201c;Other operating expenses&#x201d; in the consolidated statements of income for the year ended December 31, 2023.&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;Identifiable intangible assets at the acquisition date of Nitro included definite life intangible assets with an aggregate fair value of approximately $75&#160;million, including trade name and trademarks, customer relationships, and developed technology. In the fourth quarter of 2023, we impaired our Nitro trade name and trademarks intangible asset. See Note 8, &#x201c;Goodwill and Acquired Intangible Assets&#x201d; in this Form 10-K for additional details.&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;Identifiable intangible assets at the acquisition date of Scholly included definite life intangible assets with an aggregate fair value of approximately $11&#160;million, including trade name and trademarks, developed technology, customer relationships, and partner relationships.&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;See &#x201c;&#x2014;Goodwill and Acquired Intangible Assets&#x201d; in this Note 2 and Note 8, &#x201c;Goodwill and Acquired Intangible Assets&#x201d; in this Form 10-K for additional details. &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;Goodwill and Acquired Intangible Assets&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: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;Acquisitions are accounted for under the acquisition method of accounting, which results in the Company allocating the purchase price to the fair value of the acquired assets, liabilities, and non-controlling interests, if any, with the remaining purchase price allocated to goodwill. &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;Goodwill is not amortized but is tested periodically for impairment. We test goodwill for impairment annually in the fourth quarter of the year, or more frequently if we believe that indicators of impairment exist. We complete a goodwill impairment analysis, which may be a qualitative or a quantitative analysis depending on the facts and circumstances associated with the reporting unit. In conjunction with a qualitative impairment analysis, we assess relevant qualitative factors to determine whether it is &#x201c;more-likely-than-not&#x201d; that the fair value of a reporting unit is less than its carrying amount. The &#x201c;more-likely-than-not&#x201d; threshold is defined as having a likelihood of more than 50 percent. If, based on first assessing impairment utilizing a qualitative approach, we determine it is &#x201c;more-likely-than not&#x201d; that the fair value of the reporting unit is less than its carrying amount, we will also complete a quantitative impairment analysis. In conjunction with a quantitative impairment analysis, we compare the fair value of the reporting unit to the reporting unit&#x2019;s carrying value, including goodwill. If the carrying value of the reporting unit exceeds the fair value, goodwill is impaired in an amount equal to the amount by which the carrying value exceeds the fair value of the reporting unit, but not to exceed the goodwill amount attributed to the reporting unit. &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;Acquired intangible assets include trade names and trademarks, customer relationships, developed technology, and partner relationships. Our acquired intangible assets have finite lives and are amortized over their estimated useful lives in proportion to their estimated economic benefit. We review our long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of such assets may not be recoverable.&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;See Note 8, &#x201c;Goodwill and Acquired Intangible Assets&#x201d; in this Form 10-K for additional details.  &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 generally 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="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 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: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;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: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 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: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 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 &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;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 paid the U.S. Department of Education (the &#x201c;DOE&#x201d;) an annual 105 basis point Consolidation Loan Rebate Fee on FFELP consolidation loans, which was 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;For loans not currently in full principal and interest repayment status or interest-only repayment status, we recognize the allowance for the portion of uncollectible interest representing amounts to be capitalized after separation from school and the expiration of the grace period to the provisions for credit losses and classify this allowance as part of our 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 allowance for the portion of uncollectible interest on loans making full interest payments estimates the additional uncollectible interest that is not captured in the allowance for credit losses and 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. However, if it is determined that an individual loan or pool of loans is high risk, they may be placed on nonaccrual status, which entails stopping the accrual of interest on those loans until such time that the borrower(s) have made a sufficient number of payments (typically six months) to return to accrual status. At December 31, 2024, we had an immaterial amount of loans in nonaccrual status. At December 31, 2023, we also had an immaterial amount of 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: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 expense is based upon contractual interest rates  and other fees, adjusted for the amortization of issuance costs, premiums, and discounts. We incur interest expense on interest-bearing deposits comprised of non-maturity savings deposits, brokered and retail CDs, brokered and retail MMDAs, as well as unsecured and secured financings. Our Private Education Loan multi-lender secured borrowing facility (the &#x201c;Secured Borrowing Facility&#x201d;) also incurs an unused facility fee on the amount of unfunded commitments. Interest expense is recognized when amounts are contractually due and is adjusted for net payments/receipts related to qualifying interest rate swap agreements designated as hedges of interest-bearing liabilities. &#160;Interest expense also includes the amortization of deferred gains and losses on closed qualifying hedge transactions.  Amortization of debt issuance costs, premiums, discounts, and terminated hedge-basis adjustments are recognized using the effective interest rate method. Refer to Note 9, &#x201c;Deposits,&#x201d; and Note 10, &#x201c;Borrowings&#x201d; in this Form 10-K 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: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 may participate and sell loans to third parties and affiliates. These sales may occur through whole loan sales or securitization transactions that qualify for sale 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: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: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;Included in other income are late fees on both Private Education Loans and FFELP Loans, which we recognize when the cash has been received, income for servicing private student loans for third parties, and changes to our tax indemnification receivable from Navient. Other income also included fees related to our Credit Card program. At &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;September 30, 2022, we transferred our Credit Card portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023.&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: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 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, the transaction does not meet the criteria for sale treatment and is accounted for as an on-balance sheet secured borrowing. If a securitization qualifies as a sale, we assess whether Sallie Mae is the primary beneficiary of the securitization trust and thus required to consolidate the 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. As there is not a bright-line test for determining significance, the assessment of who has the power to significantly direct the activities of the VIE, and who has the obligation to absorb losses or receive benefits material to the VIE, can be qualitative and judgmental in nature. If we are determined to be the primary beneficiary, then no gain or loss is recognized on the 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-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: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 2024 and 2023, 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: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 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. We may also be responsible for indemnities in other instances for such things as willful misfeasance or bad faith. &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 2024 and 2023, we also closed several loan sales and securitization transactions that were not consolidated on our balance sheet due to the transaction having met the criteria for sales treatment and Sallie Mae not being the primary beneficiary. In these transactions, we removed loans from our consolidated balance sheet and recognized any assets retained and liabilities assumed at fair value, and recorded 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 10, &#x201c;Borrowings &#x2014; Unconsolidated Funding Vehicles&#x201d; in this Form 10-K. &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: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 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 11, &#x201c;Derivative Financial Instruments&#x201d; in this Form 10-K), 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, 2024, $850 million notional of our derivative contracts were cleared on the CME and $71 million were cleared on the LCH. The derivative contracts cleared &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;through the CME and LCH represent 92.3 percent and 7.7 percent, respectively, of our total notional derivative contracts of $921 million at December&#160;31, 2024.&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, 2024 was $(22) million and $(1) 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 either fair value hedges or cash flow hedges. &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;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-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, 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: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 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 SOFR. 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: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 our liabilities began to use alternatives to LIBOR before LIBOR was no longer published, for cash flow hedges of forecasted LIBOR based payments, we 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 assess 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 would not be replaced for the remainder of the hedging relationship when assessing hedge effectiveness.&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: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 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 shorter of the vesting period of the stock-based grant or the employee&#x2019;s retirement eligible date. 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: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: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 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: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;&#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: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;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: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;Recently Adopted Accounting Pronouncements&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 November 2023, the FASB issued ASU No. 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. The ASU improves reportable segment disclosure requirements and requires enhanced disclosures about significant segment expenses. We adopted this amendment as of December 31, 2024, on a retrospective basis. See Note 22, &#x201c;Segment Reporting&#x201d; in this Form 10-K for additional details on the impact of adoption of the ASU. &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;Recently Issued Accounting Pronouncements&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 December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The ASU requires entities to disclose specific categories in the effective tax rate reconciliation and provide additional information for reconciling items where the effect of those reconciling items is equal to or greater than 5 percent of the amount computed by multiplying pretax income/loss by the applicable statutory income tax rate. Additionally, entities are required to disclose the year-to-date amount of income taxes paid (net of refunds received) disaggregated by jurisdiction. The standard is effective for fiscal years beginning after December 15, 2024. We do not expect the impact of this ASU to be material to our consolidated financial statements. &lt;/span&gt;&lt;/div&gt;In November 2024, the FASB issued ASU No. 2024-03, Income Statement-Reporting Comprehensive Income-Expense Disaggregation Disclosure (Subtopic 220-40): Disaggregation of Income Statement Expenses. The ASU is intended to provide more detailed information about specified categories of expenses (purchases of inventory, employee compensation, depreciation and amortization) included in certain expense captions presented on the consolidated statements of income. The guidance in this standard is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted. We are currently evaluating the impact of the ASU on our consolidated financial statements.</us-gaap:SignificantAccountingPoliciesTextBlock>
    <us-gaap:UseOfEstimates contextRef="c-1" id="f-584">&lt;div style="margin-top:9pt;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;Use of Estimates and Assumptions&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 financial reporting and accounting policies of SLM Corporation conform to generally accepted accounting principles in the United States of America (&#x201c;GAAP&#x201d;). 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;</us-gaap:UseOfEstimates>
    <us-gaap:ConsolidationPolicyTextBlock contextRef="c-1" id="f-585">&lt;div style="margin-top:9pt;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;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.</us-gaap:ConsolidationPolicyTextBlock>
    <us-gaap:CashAndCashEquivalentsPolicyTextBlock contextRef="c-1" id="f-586">&lt;div style="margin-top:9pt;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;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.</us-gaap:CashAndCashEquivalentsPolicyTextBlock>
    <us-gaap:InvestmentPolicyTextBlock contextRef="c-1" id="f-587">&lt;div style="margin-top:9pt;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: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 are 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 residual classes, which we classify as trading investments recorded at fair value with changes recorded through earnings.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;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: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 available-for-sale investments consist of mortgage-backed securities, Utah Housing Corporation bonds, U.S. government-sponsored enterprises and Treasury securities, and the vertical risk retention interests described above (other than residual classes). 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: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 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="c-1" decimals="2" id="f-588" unitRef="number">0.05</slm:VerticalRiskRetentionPercentage>
    <slm:VerticalRiskRetentionPercentage contextRef="c-1" decimals="2" id="f-589" unitRef="number">0.05</slm:VerticalRiskRetentionPercentage>
    <us-gaap:SecuritiesOwnedNotReadilyMarketablePolicy contextRef="c-1" id="f-590">&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 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 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;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.</us-gaap:SecuritiesOwnedNotReadilyMarketablePolicy>
    <us-gaap:FinanceLoansAndLeasesReceivablePolicy contextRef="c-1" id="f-591">&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;Loans Held for Investment&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;Loans, consisting of Private Education Loans, 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;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;&#x2014; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loan Interest Income.&#x201d; Loans that are held for investment are reported net of an allowance for credit losses. During the third quarter of 2024, we transferred our FFELP Loan portfolio from loans held for investment to loans held for sale as we planned to sell the portfolio. During the fourth quarter of 2024, we sold our FFELP Loan portfolio to a third party. This transaction qualified for sale treatment and removed the balance of the loans from our balance sheet on the settlement date.&lt;/span&gt;&lt;/div&gt;</us-gaap:FinanceLoansAndLeasesReceivablePolicy>
    <slm:LoansHeldForSalePolicyTextBlock contextRef="c-1" id="f-592">&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;Loans 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;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 that 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 that loan.&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 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="c-1" id="f-593">&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;Restricted Cash &lt;/span&gt;&lt;/div&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.</slm:RestrictedCashandInvestmentsPolicyTextBlock>
    <us-gaap:CreditLossFinancialInstrumentPolicyTextBlock contextRef="c-1" id="f-594">&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;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;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 method. 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: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;To estimate the future expected cash flows, we use statistical loan-level models that consider life of loan expectations for defaults, prepayments, recoveries, and any other qualitative 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: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 estimate future default rates used in our current expected credit losses at a loan level using historical loss experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable period. At the end of the reasonable and supportable forecast period, we immediately revert our forecasted economic factors to long-term historical averages. We estimate future prepayment speeds used in our current expected credit losses at a loan level using historical prepayment experience, current borrower characteristics, current conditions, and economic factors forecasted over a reasonable and supportable 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-weight:400;line-height:120%"&gt;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. 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: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 future default rates and prepayment speeds in our current expected credit losses, we use a combination of expected economic scenarios coupled with our historical experience and adjust 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;We obtain forecasts for our loss model inputs from Moody&#x2019;s Analytics. Moody&#x2019;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 December 31, 2024, December 31, 2023, and December 31, 2022, we used the Baseline (50th percentile likelihood of occurring)/S1 (stronger near-term growth scenario - 10 percent likelihood of occurring)/S3 (unfavorable (or downside) scenario - 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: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 expect to 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;In addition to the above modeling approach, we also take certain qualitative factors into consideration when calculating the allowance for credit losses, which could result in management overlays (increases or decreases to the allowance for credit losses). These management overlays can encompass a broad array of factors not captured by model inputs, including, but not limited to, changes in lending policies and procedures, including changes in underwriting standards, changes in servicing policies and collection administration practices, including the loan modification program changes implemented in the fourth quarter of 2023, state law changes that could impact servicing and collection practices, charge-offs, recoveries not already included in the analysis, the effect of other external factors such as legal and regulatory requirements on the level of estimated current expected credit losses, the performance of the model over time versus actual losses, and any other operational or regulatory changes that could affect our estimate of 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;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 &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;the estimate of the allowance for credit losses, the timing of when losses are recognized, and the related provision for credit losses in 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; 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;Of the model inputs outlined above, economic forecasts, weighting of economic forecasts, 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.&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 the fourth quarter of 2022, we changed our loss model to include forecasts of college graduate unemployment, retail sales, and median family income in determining the adequacy of the allowance for credit losses. Prior to this change, we included forecasts of college graduate unemployment and the Consumer Price Index in our loss forecasting models. &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 2023, we experienced slower prepayment rates due to the rising interest rate environment.  Historically, when rates rise, loan prepayments decline due to a reduction in consolidation activity of our borrowers to third party lenders, and when rates decline, loan prepayments rise due to an increase in consolidation activity of our borrowers to third party lenders. During 2023, our estimates of future prepayment speeds reflected the then current interest rate environment and future expectations of increased prepayment speeds in line with market expectations of a decline in interest rates based on the scenarios produced by Moody's Analytics described above. Slower prepayment speeds increase the allowance for credit losses because the loss rates applied in the future periods are applied to higher loan balances. In the second quarter of 2024, we implemented a loan-level future default rate model that includes current portfolio characteristics and forecasts of real gross domestic product and college graduate unemployment. &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 the second quarter of 2024, we also implemented a future prepayment speeds model to include forecasts of real gross domestic product, retail sales, the Secured Overnight Financing Rate (&#x201c;SOFR&#x201d;), and the U.S. 10-year treasury rate. These models reduce the reliance on certain qualitative overlays compared to the previous default rate and prepayment speeds models. Prior to these changes, our default rate and prepayment speeds models used forecasts of college graduate unemployment, retail sales, home price index, and median family income. Both the future default rate model and the future prepayment speeds model are used in determining the adequacy of the allowance for credit losses. The combined impact upon implementation of these model enhancements and the changes in the related qualitative overlays did not have a material impact on the overall level of our allowance for credit losses.&lt;/span&gt;&lt;/div&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 portfolio. During the third quarter of 2024, we reclassified our FFELP Loan portfolio to loans held for sale and subsequently sold the FFELP Loan portfolio to a third party during the fourth quarter of 2024. During the third quarter of 2022, we reclassified our Credit Card loan portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023.</us-gaap:CreditLossFinancialInstrumentPolicyTextBlock>
    <slm:AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock contextRef="c-1" id="f-595">&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&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 &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;In the second quarter of 2023, we changed how we collect on defaulted loans. Previously, we used a mix of in-house collectors and sales to third parties. We continue to sell a segment of defaulted loans immediately after charge-off but no longer sell retained defaulted loans (that have been subject to internal collection attempts for six months) to third parties and instead continue our collection efforts using in-house collectors and third-party collectors. This improved our estimate of recovery rates for the year ended December 31, 2023. When we estimate the timing and amount of future recoveries on charged-off loans, we no longer include expectations of future sales on retained defaulted loans. We continue to monitor how we collect on defaulted loans and may modify the approach from time to time based on performance, industry conventions, and/or regulatory feedback.&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 December 31, 2022, 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 December 31, 2024 and 2023, 26 percent and 25 percent, respectively, 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 (forbearance) for certain borrowers requesting an extended grace period upon leaving school or experiencing temporary difficulty meeting payment obligations.&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 the metrics considered are the allowance coverage of net charge-offs ratio; the allowance as a percentage of ending total loans plus unfunded loan commitments and total accrued interest receivable; 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 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;</slm:AllowanceForPrivateEducationLoanLossesPolicyPolicyTextBlock>
    <slm:PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment contextRef="c-7" decimals="2" id="f-596" unitRef="number">0.26</slm:PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment>
    <slm:PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment contextRef="c-8" decimals="2" id="f-597" unitRef="number">0.25</slm:PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment>
    <us-gaap:OffBalanceSheetCreditExposurePolicyPolicyTextBlock contextRef="c-1" id="f-598">&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 &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 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 &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 and the allowance for credit losses described above consider both the collectability of principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. The allowance for uncollectible interest uses historical experience to estimate the uncollectible interest on loans for which payment in full of principal or interest is not expected.  This amount is recorded as a reduction of interest income. Accrued interest receivable is separately disclosed on the face of the balance sheet.</us-gaap:OffBalanceSheetCreditExposurePolicyPolicyTextBlock>
    <slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest contextRef="c-1" decimals="0" id="f-599" unitRef="usd">25</slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest>
    <slm:AllowanceForCreditCardLoansPolicyTextBlock contextRef="c-1" id="f-600">&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 &lt;/span&gt;&lt;/div&gt;At September 30, 2022, we transferred our Credit Card portfolio to loans held for sale as we planned to sell our Credit Card portfolio.  At that time, we reversed $2.4&#160;million through the provisions for credit losses for the allowance related to these loans. We subsequently sold the Credit Card portfolio to a third party in May 2023.</slm:AllowanceForCreditCardLoansPolicyTextBlock>
    <us-gaap:FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal contextRef="c-64" decimals="-5" id="f-601" unitRef="usd">2400000</us-gaap:FinancingReceivableTransferToHeldForSaleAllowanceForCreditLossExpenseReversal>
    <slm:AllowanceForFFELPLoanLossesPolicyPolicyTextBlock contextRef="c-1" id="f-602">&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 FFELP 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-weight:400;line-height:120%"&gt;During the third quarter of 2024, we transferred our FFELP Loan portfolio to loans held for sale as we planned to sell our FFELP Loan portfolio. At that time, we wrote down this loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $8&#160;million. We subsequently sold the FFELP Loan portfolio to a third party in the fourth quarter of 2024.  &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;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, owners receive 97 percent reimbursement on all qualifying claims.  For loans disbursed after October 1, 1993, and before July 1, 2006, owners receive 98 percent reimbursement on all qualifying claims. For loans disbursed prior to October 1, 1993, owners receive 100 percent reimbursement. Because owners 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 were 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;For the years ended December 31, 2023 and 2022, we used the gross loss approach when estimating the allowance for credit losses for the unguaranteed portion of our FFELP Loans. We maintained 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 used historical experience of customer default behavior. We applied the default rate projections, net of applicable risk sharing, to our FFELP Loans for the respective 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;</slm:AllowanceForFFELPLoanLossesPolicyPolicyTextBlock>
    <us-gaap:GainLossOnSaleOfNotesReceivable contextRef="c-65" decimals="-6" id="f-603" unitRef="usd">-8000000</us-gaap:GainLossOnSaleOfNotesReceivable>
    <slm:PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo contextRef="c-7" decimals="2" id="f-604" unitRef="number">0.97</slm:PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo>
    <slm:PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne contextRef="c-7" decimals="2" id="f-605" unitRef="number">0.98</slm:PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne>
    <slm:PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree contextRef="c-7" decimals="2" id="f-606" unitRef="number">1</slm:PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree>
    <slm:PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure contextRef="c-7" decimals="2" id="f-607" unitRef="number">0.03</slm:PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure>
    <us-gaap:BusinessCombinationsPolicy contextRef="c-1" id="f-608">&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;Business Combinations &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 4, 2022, we completed the acquisition of the assets primarily used or held for use of Epic Research Education Services, LLC, which did business as Nitro College (&#x201c;Nitro&#x201d;). Nitro provided resources that helped students and families evaluate how to responsibly pay for college and manage their financial responsibilities after graduation. The addition of Nitro supports our mission of providing students with the confidence needed to successfully navigate the higher education journey. The acquisition of the Nitro assets, including its employees and intellectual property, expanded our digital marketing capabilities, reduced the cost to acquire customer accounts, and accelerated our progress to become a broader education solutions provider for students before, during, and immediately after college. In 2024, we completed the transition of the related Nitro branding to the Sallie and Sallie Mae brands and platforms. &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;On July 21, 2023, we completed the acquisition of several key assets of Scholly, Inc. (&#x201c;Scholly&#x201d;). Scholly was engaged in the business of operating as a scholarship publishing and servicing platform, comprised of websites and mobile application search products that offered custom recommendations for post-secondary scholarships for students, their families, and others as well as related services for scholarship providers. The addition of Scholly assets supports our mission of providing students with the confidence needed to successfully navigate the higher education journey.&lt;/span&gt;&lt;/div&gt;These acquisitions were accounted for as business combinations using the acquisition method of accounting in accordance with the Accounting Standard Codification 805, &#x201c;Business Combinations,&#x201d; of the Financial Accounting Standards Board (&#x201c;FASB&#x201d;), whereby as of the respective acquisition date, the acquired tangible assets and liabilities were recorded at their estimated fair values. The identifiable intangible assets were recorded at fair values as determined by an independent appraiser.&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 results of operations of Nitro and Scholly have been included in our consolidated financial statements since the respective acquisition dates. We have not disclosed the pro forma impact of these acquisitions to the results of operations for the years ended December 31, 2023 and 2022, as the pro forma impacts were deemed immaterial. Transaction costs associated with the Nitro acquisition were approximately $3&#160;million and were expensed as incurred within &#x201c;Other operating expenses&#x201d; in the consolidated statements of income for the year ended December 31, 2022. Transaction costs associated with the Scholly acquisition were approximately $1&#160;million and were expensed as incurred within &#x201c;Other operating expenses&#x201d; in the consolidated statements of income for the year ended December 31, 2023.&lt;/span&gt;&lt;/div&gt;</us-gaap:BusinessCombinationsPolicy>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet contextRef="c-66" decimals="-6" id="f-609" unitRef="usd">51000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet>
    <us-gaap:Goodwill contextRef="c-67" decimals="-6" id="f-610" unitRef="usd">5000000</us-gaap:Goodwill>
    <us-gaap:BusinessAcquisitionCostOfAcquiredEntityTransactionCosts contextRef="c-66" decimals="-6" id="f-611" unitRef="usd">3000000</us-gaap:BusinessAcquisitionCostOfAcquiredEntityTransactionCosts>
    <us-gaap:BusinessCombinationAcquisitionRelatedCosts contextRef="c-68" decimals="-6" id="f-612" unitRef="usd">1000000</us-gaap:BusinessCombinationAcquisitionRelatedCosts>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill contextRef="c-66" decimals="-6" id="f-613" unitRef="usd">75000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill>
    <us-gaap:FinitelivedIntangibleAssetsAcquired1 contextRef="c-69" decimals="-6" id="f-614" unitRef="usd">11000000</us-gaap:FinitelivedIntangibleAssetsAcquired1>
    <us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock contextRef="c-1" id="f-615">&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;Goodwill and Acquired Intangible Assets&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: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;Acquisitions are accounted for under the acquisition method of accounting, which results in the Company allocating the purchase price to the fair value of the acquired assets, liabilities, and non-controlling interests, if any, with the remaining purchase price allocated to goodwill. &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;Goodwill is not amortized but is tested periodically for impairment. We test goodwill for impairment annually in the fourth quarter of the year, or more frequently if we believe that indicators of impairment exist. We complete a goodwill impairment analysis, which may be a qualitative or a quantitative analysis depending on the facts and circumstances associated with the reporting unit. In conjunction with a qualitative impairment analysis, we assess relevant qualitative factors to determine whether it is &#x201c;more-likely-than-not&#x201d; that the fair value of a reporting unit is less than its carrying amount. The &#x201c;more-likely-than-not&#x201d; threshold is defined as having a likelihood of more than 50 percent. If, based on first assessing impairment utilizing a qualitative approach, we determine it is &#x201c;more-likely-than not&#x201d; that the fair value of the reporting unit is less than its carrying amount, we will also complete a quantitative impairment analysis. In conjunction with a quantitative impairment analysis, we compare the fair value of the reporting unit to the reporting unit&#x2019;s carrying value, including goodwill. If the carrying value of the reporting unit exceeds the fair value, goodwill is impaired in an amount equal to the amount by which the carrying value exceeds the fair value of the reporting unit, but not to exceed the goodwill amount attributed to the reporting unit. &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;Acquired intangible assets include trade names and trademarks, customer relationships, developed technology, and partner relationships. Our acquired intangible assets have finite lives and are amortized over their estimated useful lives in proportion to their estimated economic benefit. We review our long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of such assets may not be recoverable.&lt;/span&gt;&lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock>
    <slm:DepositsPolicyTextBlock contextRef="c-1" id="f-616">&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 generally 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 contextRef="c-1" id="f-617">P7D</slm:DepositsPeriodofNotificationforWithdrawal>
    <us-gaap:FairValueOfFinancialInstrumentsPolicy contextRef="c-1" id="f-618">&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="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 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: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;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: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 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="c-1" id="f-619">&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: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 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 &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;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 paid the U.S. Department of Education (the &#x201c;DOE&#x201d;) an annual 105 basis point Consolidation Loan Rebate Fee on FFELP consolidation loans, which was 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;For loans not currently in full principal and interest repayment status or interest-only repayment status, we recognize the allowance for the portion of uncollectible interest representing amounts to be capitalized after separation from school and the expiration of the grace period to the provisions for credit losses and classify this allowance as part of our 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 allowance for the portion of uncollectible interest on loans making full interest payments estimates the additional uncollectible interest that is not captured in the allowance for credit losses and 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. However, if it is determined that an individual loan or pool of loans is high risk, they may be placed on nonaccrual status, which entails stopping the accrual of interest on those loans until such time that the borrower(s) have made a sufficient number of payments (typically six months) to return to accrual status. At December 31, 2024, we had an immaterial amount of loans in nonaccrual status. At December 31, 2023, we also had an immaterial amount of 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 contextRef="c-7" decimals="INF" id="f-620" unitRef="number">0.0105</slm:ConstantPrepaymentFeeVariableRate>
    <slm:LoansinNonaccrualStatus contextRef="c-1" decimals="INF" id="f-621" unitRef="usd">0</slm:LoansinNonaccrualStatus>
    <slm:LoansinNonaccrualStatus contextRef="c-9" decimals="INF" id="f-622" unitRef="usd">0</slm:LoansinNonaccrualStatus>
    <us-gaap:InterestExpensePolicyTextBlock contextRef="c-1" id="f-623">&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;Interest expense is based upon contractual interest rates  and other fees, adjusted for the amortization of issuance costs, premiums, and discounts. We incur interest expense on interest-bearing deposits comprised of non-maturity savings deposits, brokered and retail CDs, brokered and retail MMDAs, as well as unsecured and secured financings. Our Private Education Loan multi-lender secured borrowing facility (the &#x201c;Secured Borrowing Facility&#x201d;) also incurs an unused facility fee on the amount of unfunded commitments. Interest expense is recognized when amounts are contractually due and is adjusted for net payments/receipts related to qualifying interest rate swap agreements designated as hedges of interest-bearing liabilities. &#160;Interest expense also includes the amortization of deferred gains and losses on closed qualifying hedge transactions.  Amortization of debt issuance costs, premiums, discounts, and terminated hedge-basis adjustments are recognized using the effective interest rate method.</us-gaap:InterestExpensePolicyTextBlock>
    <us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsSalesPolicy contextRef="c-1" id="f-624">&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;We may participate and sell loans to third parties and affiliates. These sales may occur through whole loan sales or securitization transactions that qualify for sale 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>
    <slm:OtherIncomePolicyPolicyTextBlock contextRef="c-1" id="f-625">&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: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;Included in other income are late fees on both Private Education Loans and FFELP Loans, which we recognize when the cash has been received, income for servicing private student loans for third parties, and changes to our tax indemnification receivable from Navient. Other income also included fees related to our Credit Card program. At &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;September 30, 2022, we transferred our Credit Card portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023.&lt;/span&gt;&lt;/div&gt;</slm:OtherIncomePolicyPolicyTextBlock>
    <us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy contextRef="c-1" id="f-626">&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: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 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, the transaction does not meet the criteria for sale treatment and is accounted for as an on-balance sheet secured borrowing. If a securitization qualifies as a sale, we assess whether Sallie Mae is the primary beneficiary of the securitization trust and thus required to consolidate the 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. As there is not a bright-line test for determining significance, the assessment of who has the power to significantly direct the activities of the VIE, and who has the obligation to absorb losses or receive benefits material to the VIE, can be qualitative and judgmental in nature. If we are determined to be the primary beneficiary, then no gain or loss is recognized on the 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-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: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 2024 and 2023, 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: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 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. We may also be responsible for indemnities in other instances for such things as willful misfeasance or bad faith. &lt;/span&gt;&lt;/div&gt;In 2024 and 2023, we also closed several loan sales and securitization transactions that were not consolidated on our balance sheet due to the transaction having met the criteria for sales treatment and Sallie Mae not being the primary beneficiary. In these transactions, we removed loans from our consolidated balance sheet and recognized any assets retained and liabilities assumed at fair value, and recorded 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 10, &#x201c;Borrowings &#x2014; Unconsolidated Funding Vehicles&#x201d; in this Form 10-K.</us-gaap:TransfersAndServicingOfFinancialAssetsTransfersOfFinancialAssetsPolicy>
    <slm:VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance contextRef="c-1" decimals="2" id="f-627" unitRef="number">0.10</slm:VariableInterestEntitiesOptiontoExerciseMaximumPercentageofAssetstoOriginalLoanBalance>
    <us-gaap:DerivativesPolicyTextBlock contextRef="c-1" id="f-628">&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: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 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 11, &#x201c;Derivative Financial Instruments&#x201d; in this Form 10-K), 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, 2024, $850 million notional of our derivative contracts were cleared on the CME and $71 million were cleared on the LCH. The derivative contracts cleared &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;through the CME and LCH represent 92.3 percent and 7.7 percent, respectively, of our total notional derivative contracts of $921 million at December&#160;31, 2024.&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, 2024 was $(22) million and $(1) 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 either fair value hedges or cash flow hedges. &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;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-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, 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: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 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 SOFR. 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: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 our liabilities began to use alternatives to LIBOR before LIBOR was no longer published, for cash flow hedges of forecasted LIBOR based payments, we 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 assess 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 would not be replaced for the remainder of the hedging relationship when assessing hedge effectiveness.&lt;/span&gt;&lt;/div&gt;</us-gaap:DerivativesPolicyTextBlock>
    <us-gaap:DerivativeNotionalAmount contextRef="c-70" decimals="-6" id="f-629" unitRef="usd">850000000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-71" decimals="-6" id="f-630" unitRef="usd">71000000</us-gaap:DerivativeNotionalAmount>
    <slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts contextRef="c-72" decimals="3" id="f-631" unitRef="number">0.923</slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts>
    <slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts contextRef="c-73" decimals="3" id="f-632" unitRef="number">0.077</slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts>
    <us-gaap:DerivativeNotionalAmount contextRef="c-7" decimals="-6" id="f-633" unitRef="usd">921000000</us-gaap:DerivativeNotionalAmount>
    <slm:AmountOfVariationMarginIncludedAsSettlement contextRef="c-72" decimals="-6" id="f-634" unitRef="usd">-22000000</slm:AmountOfVariationMarginIncludedAsSettlement>
    <slm:AmountOfVariationMarginIncludedAsSettlement contextRef="c-73" decimals="-6" id="f-635" unitRef="usd">-1000000</slm:AmountOfVariationMarginIncludedAsSettlement>
    <us-gaap:CompensationRelatedCostsPolicyTextBlock contextRef="c-1" id="f-636">&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;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 shorter of the vesting period of the stock-based grant or the employee&#x2019;s retirement eligible date. 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.</us-gaap:CompensationRelatedCostsPolicyTextBlock>
    <us-gaap:IncomeTaxPolicyTextBlock contextRef="c-1" id="f-637">&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: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 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: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;&#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: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;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;</us-gaap:IncomeTaxPolicyTextBlock>
    <us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock contextRef="c-1" id="f-638">&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;Recently Adopted Accounting Pronouncements&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 November 2023, the FASB issued ASU No. 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. The ASU improves reportable segment disclosure requirements and requires enhanced disclosures about significant segment expenses. We adopted this amendment as of December 31, 2024, on a retrospective basis. See Note 22, &#x201c;Segment Reporting&#x201d; in this Form 10-K for additional details on the impact of adoption of the ASU. &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;Recently Issued Accounting Pronouncements&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 December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The ASU requires entities to disclose specific categories in the effective tax rate reconciliation and provide additional information for reconciling items where the effect of those reconciling items is equal to or greater than 5 percent of the amount computed by multiplying pretax income/loss by the applicable statutory income tax rate. Additionally, entities are required to disclose the year-to-date amount of income taxes paid (net of refunds received) disaggregated by jurisdiction. The standard is effective for fiscal years beginning after December 15, 2024. We do not expect the impact of this ASU to be material to our consolidated financial statements. &lt;/span&gt;&lt;/div&gt;In November 2024, the FASB issued ASU No. 2024-03, Income Statement-Reporting Comprehensive Income-Expense Disaggregation Disclosure (Subtopic 220-40): Disaggregation of Income Statement Expenses. The ASU is intended to provide more detailed information about specified categories of expenses (purchases of inventory, employee compensation, depreciation and amortization) included in certain expense captions presented on the consolidated statements of income. The guidance in this standard is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted. We are currently evaluating the impact of the ASU on our consolidated financial statements.</us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock>
    <us-gaap:CashAndCashEquivalentsDisclosureTextBlock contextRef="c-1" id="f-639">Cash and Cash Equivalents&lt;div style="margin-top:5pt;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;As of December&#160;31, 2024, cash and cash equivalents include cash due from the FRB of $4.6 billion and cash due from depository institutions of $57 million. As of December&#160;31, 2023, cash and cash equivalents include cash due from the FRB of $4.1 billion and cash due from depository institutions of $41 million. As of December&#160;31, 2024 and 2023, we had no outstanding cash equivalents.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;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 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 2024 or 2023, resulting in no interest reported. As of December&#160;31, 2024 and 2023, no funds were on deposit with the FRB under this program.&lt;/span&gt;&lt;/div&gt;</us-gaap:CashAndCashEquivalentsDisclosureTextBlock>
    <slm:CashduefromFederalReserveBank contextRef="c-7" decimals="-8" id="f-640" unitRef="usd">4600000000</slm:CashduefromFederalReserveBank>
    <us-gaap:CashAndDueFromBanks contextRef="c-7" decimals="-6" id="f-641" unitRef="usd">57000000</us-gaap:CashAndDueFromBanks>
    <slm:CashduefromFederalReserveBank contextRef="c-8" decimals="-8" id="f-642" unitRef="usd">4100000000</slm:CashduefromFederalReserveBank>
    <us-gaap:CashAndDueFromBanks contextRef="c-8" decimals="-6" id="f-643" unitRef="usd">41000000</us-gaap:CashAndDueFromBanks>
    <us-gaap:CashEquivalentsAtCarryingValue contextRef="c-7" decimals="INF" id="f-644" unitRef="usd">0</us-gaap:CashEquivalentsAtCarryingValue>
    <us-gaap:CashEquivalentsAtCarryingValue contextRef="c-8" decimals="INF" id="f-645" unitRef="usd">0</us-gaap:CashEquivalentsAtCarryingValue>
    <slm:InterestincomefromTermDepositFacility contextRef="c-1" decimals="INF" id="f-646" unitRef="usd">0</slm:InterestincomefromTermDepositFacility>
    <slm:InterestincomefromTermDepositFacility contextRef="c-9" decimals="INF" id="f-647" unitRef="usd">0</slm:InterestincomefromTermDepositFacility>
    <us-gaap:CertificatesOfDepositAtCarryingValue contextRef="c-8" decimals="INF" id="f-648" unitRef="usd">0</us-gaap:CertificatesOfDepositAtCarryingValue>
    <us-gaap:CertificatesOfDepositAtCarryingValue contextRef="c-7" decimals="INF" id="f-649" unitRef="usd">0</us-gaap:CertificatesOfDepositAtCarryingValue>
    <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock contextRef="c-1" id="f-650">Investments&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;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 are 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 residual classes, which we classify as trading investments 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-weight:400;line-height:120%"&gt;At December 31, 2022, we had a $5&#160;million investment in a convertible debt security classified as a trading investment. In March 2023, this security, and the related accrued interest, was converted into equity securities classified as 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;At December 31, 2024 and 2023, we had $53&#160;million and $54 million, respectively, classified as trading investments. &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;Available-for-Sale Investments &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-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-align:center;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:80.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.059%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.056%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.573%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.668%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.494%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.668%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.015%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.274%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2024&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&gt;&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&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&gt;&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&gt;&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&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;516,358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(73,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;443,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,849&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(490)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;948,009&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(32,265)&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;915,744&#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&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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;575,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;8,633&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(12,095)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;571,795&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,042,473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(118,085)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,933,226&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&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, 2023&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&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&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&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&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;468,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(62,480)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;406,427&#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&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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(279)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,645,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(66,870)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,578,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;446,763&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(24,039)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;423,327&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,563,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,306&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(153,668)&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&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&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;2,411,622&#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&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;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:93.750%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.168%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&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&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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;2024:&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(2,723)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;137,585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(70,512)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;290,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(73,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;427,842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(490)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(490)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(32,265)&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;915,744&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(32,265)&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;915,744&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;11,579&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(12,021)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;182,215&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(12,095)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;193,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;(2,797)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;149,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(115,288)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,390,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(118,085)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,539,739&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2023:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(531)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;51,391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(61,949)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;300,318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(62,480)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;351,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(279)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;3,129&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(279)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;3,129&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(66,870)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,578,739&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(66,870)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,578,739&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(2,221)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;90,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(21,818)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;241,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(24,039)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;331,978&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(2,752)&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;142,116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(150,916)&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,123,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(153,668)&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&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&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;2,265,555&#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&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;At December&#160;31, 2024 and 2023, 236 of 278 and 213 of 248, 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 are met, the security&#x2019;s amortized cost basis is written down to fair value through net 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. 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, 2024, 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:41.944%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:45.257%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.734%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:2.873%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.736%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2024&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&gt;&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;2025&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;299,816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;298,648&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;549,175&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;520,793&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2027&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;99,018&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;96,303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2038&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;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;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&gt;&lt;/tr&gt;&lt;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;2039&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;551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2042&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;2,112&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,793&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2043&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;3,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2044&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;4,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;3,651&#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&gt;&lt;/tr&gt;&lt;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;2045&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;4,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2046&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;6,953&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5,965&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2047&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;6,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;5,781&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2048&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;1,702&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2049&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;14,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;12,842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2050&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;101,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;78,475&#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;/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;2051&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;144,694&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;111,058&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2052&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;58,268&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;50,497&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;297,695&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;294,197&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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;142,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;135,800&#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;/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;2055&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;71,611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;70,409&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2056&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;194,173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;197,363&#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&gt;&lt;/tr&gt;&lt;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;2058&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;39,379&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;40,355&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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;2,042,473&#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&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&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;1,933,226&#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&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 $610 million and $612 million par value of securities pledged to this borrowing facility at December&#160;31, 2024 and 2023, respectively, as discussed further in Note 10, &#x201c;Borrowings&#x201d; in this Form 10-K.&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;Other Investments&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;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;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, or when observable prices are not available, use market data of similar entities, in determining any changes in the value of the securities. In the third quarter of 2024, we funded a new investment in non-marketable securities of an issuer whose securities we have not previously purchased. In March 2023, our $5&#160;million investment in a convertible debt security, classified as a trading investment, and the related accrued interest were converted into equity securities and were reclassified to investments in non-marketable securities. In the fourth quarter of 2022, we determined that our investment in an issuer whose equity securities we purchased in the past was impaired. As such, we wrote down the value based upon an estimate of the value of these securities and recorded a loss of $60&#160;million in &#x201c;gains (losses) on securities, net&#x201d; in the consolidated statements of income in 2022. At December 31, 2024 and December 31, 2023, our total investment in non-marketable securities was $24&#160;million and $14&#160;million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;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;Low Income Housing Tax Credit 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-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. These investments generate a return mostly through realization of federal tax credits and tax benefits from net operating losses on the underlying properties. We recognized $13 million, $11 million, and $9&#160;million of &lt;span style="-sec-ix-hidden:f-827"&gt;&lt;span style="-sec-ix-hidden:f-828"&gt;tax credits and other tax benefits&lt;/span&gt;&lt;/span&gt; associated with investments in affordable housing projects within income tax expense for the years ended December 31, 2024, 2023, and 2022, respectively. The amount of amortization of such investments reported in &lt;span style="-sec-ix-hidden:f-829"&gt;&lt;span style="-sec-ix-hidden:f-830"&gt;income tax expense&lt;/span&gt;&lt;/span&gt; was $10 million, $9&#160;million, and $7 million for the years ended December 31, 2024, 2023, and 2022, respectively. Total &lt;span style="-sec-ix-hidden:f-834"&gt;carrying value of the LIHTC investments&lt;/span&gt; was $82 million at December 31, 2024 and $72 million at December 31, 2023. 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, 2024 and $30 million at December 31, 2023.&lt;/span&gt;&lt;/div&gt;</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
    <slm:VerticalRiskRetentionPercentage contextRef="c-1" decimals="2" id="f-651" unitRef="number">0.05</slm:VerticalRiskRetentionPercentage>
    <slm:VerticalRiskRetentionPercentage contextRef="c-1" decimals="2" id="f-652" unitRef="number">0.05</slm:VerticalRiskRetentionPercentage>
    <slm:PaymentsToAcquireTradingSecuritiesHeldForSale contextRef="c-10" decimals="-6" id="f-653" unitRef="usd">5000000</slm:PaymentsToAcquireTradingSecuritiesHeldForSale>
    <us-gaap:TradingSecuritiesDebt contextRef="c-7" decimals="-6" id="f-654" unitRef="usd">53000000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:TradingSecuritiesDebt contextRef="c-8" decimals="-6" id="f-655" unitRef="usd">54000000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock contextRef="c-1" id="f-656">&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-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-align:center;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:80.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.059%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.056%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.573%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.668%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.494%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.668%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.015%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.274%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2024&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&gt;&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&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&gt;&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&gt;&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&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;516,358&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(73,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;443,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,849&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(490)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;948,009&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(32,265)&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;915,744&#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&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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;575,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;8,633&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(12,095)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;571,795&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,042,473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(118,085)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,933,226&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&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, 2023&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&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&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&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&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;468,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;703&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(62,480)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;406,427&#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&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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,408&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(279)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,129&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,645,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(66,870)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,578,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Other securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;446,763&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(24,039)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;423,327&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,563,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,306&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(153,668)&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&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&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;2,411,622&#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&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;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;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;  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.</us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-74" decimals="-3" id="f-657" unitRef="usd">516358000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss contextRef="c-74" decimals="-3" id="f-658" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-74" decimals="-3" id="f-659" unitRef="usd">205000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-74" decimals="-3" id="f-660" unitRef="usd">73235000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-74" decimals="-3" id="f-661" unitRef="usd">443328000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-75" decimals="-3" id="f-662" unitRef="usd">2849000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss contextRef="c-75" decimals="-3" id="f-663" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-75" decimals="-3" id="f-664" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-75" decimals="-3" id="f-665" unitRef="usd">490000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-75" decimals="-3" id="f-666" unitRef="usd">2359000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-76" decimals="-3" id="f-667" unitRef="usd">948009000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss contextRef="c-76" decimals="-3" id="f-668" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-76" decimals="-3" id="f-669" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-76" decimals="-3" id="f-670" unitRef="usd">32265000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-76" decimals="-3" id="f-671" unitRef="usd">915744000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-77" decimals="-3" id="f-672" unitRef="usd">575257000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss contextRef="c-77" decimals="-3" id="f-673" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-77" decimals="-3" id="f-674" unitRef="usd">8633000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-77" decimals="-3" id="f-675" unitRef="usd">12095000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-77" decimals="-3" id="f-676" unitRef="usd">571795000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-7" decimals="-3" id="f-677" unitRef="usd">2042473000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss contextRef="c-7" decimals="-3" id="f-678" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-7" decimals="-3" id="f-679" unitRef="usd">8838000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-7" decimals="-3" id="f-680" unitRef="usd">118085000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-7" decimals="-3" id="f-681" unitRef="usd">1933226000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-78" decimals="-3" id="f-682" unitRef="usd">468204000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss contextRef="c-78" decimals="-3" id="f-683" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-78" decimals="-3" id="f-684" unitRef="usd">703000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-78" decimals="-3" id="f-685" unitRef="usd">62480000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-78" decimals="-3" id="f-686" unitRef="usd">406427000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-79" decimals="-3" id="f-687" unitRef="usd">3408000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss contextRef="c-79" decimals="-3" id="f-688" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-79" decimals="-3" id="f-689" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-79" decimals="-3" id="f-690" unitRef="usd">279000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-79" decimals="-3" id="f-691" unitRef="usd">3129000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-80" decimals="-3" id="f-692" unitRef="usd">1645609000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss contextRef="c-80" decimals="-3" id="f-693" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-80" decimals="-3" id="f-694" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-80" decimals="-3" id="f-695" unitRef="usd">66870000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-80" decimals="-3" id="f-696" unitRef="usd">1578739000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-81" decimals="-3" id="f-697" unitRef="usd">446763000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss contextRef="c-81" decimals="-3" id="f-698" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-81" decimals="-3" id="f-699" unitRef="usd">603000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-81" decimals="-3" id="f-700" unitRef="usd">24039000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-81" decimals="-3" id="f-701" unitRef="usd">423327000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-8" decimals="-3" id="f-702" unitRef="usd">2563984000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss contextRef="c-8" decimals="-3" id="f-703" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-8" decimals="-3" id="f-704" unitRef="usd">1306000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-8" decimals="-3" id="f-705" unitRef="usd">153668000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-8" decimals="-3" id="f-706" unitRef="usd">2411622000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock contextRef="c-1" id="f-707">&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:93.750%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.492%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.714%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.825%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.540%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.168%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&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&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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;2024:&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(2,723)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;137,585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(70,512)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;290,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(73,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;427,842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(490)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(490)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(32,265)&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;915,744&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(32,265)&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;915,744&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;11,579&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(12,021)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;182,215&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(12,095)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;193,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;(2,797)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;149,164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(115,288)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,390,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(118,085)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,539,739&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;2023:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Mortgage-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(531)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;51,391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(61,949)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;300,318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(62,480)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;351,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Utah Housing Corporation bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(279)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;3,129&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(279)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;3,129&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(66,870)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,578,739&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(66,870)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,578,739&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(2,221)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;90,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(21,818)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;241,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(24,039)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;331,978&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(2,752)&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;142,116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(150,916)&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,123,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(153,668)&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&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&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;2,265,555&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-82" decimals="-3" id="f-708" unitRef="usd">2723000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-82" decimals="-3" id="f-709" unitRef="usd">137585000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-82" decimals="-3" id="f-710" unitRef="usd">70512000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-82" decimals="-3" id="f-711" unitRef="usd">290257000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-82" decimals="-3" id="f-712" unitRef="usd">73235000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-82" decimals="-3" id="f-713" unitRef="usd">427842000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-83" decimals="-3" id="f-714" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-83" decimals="-3" id="f-715" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-83" decimals="-3" id="f-716" unitRef="usd">490000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-83" decimals="-3" id="f-717" unitRef="usd">2359000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-83" decimals="-3" id="f-718" unitRef="usd">490000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-83" decimals="-3" id="f-719" unitRef="usd">2359000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-84" decimals="-3" id="f-720" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-84" decimals="-3" id="f-721" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-84" decimals="-3" id="f-722" unitRef="usd">32265000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-84" decimals="-3" id="f-723" unitRef="usd">915744000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-84" decimals="-3" id="f-724" unitRef="usd">32265000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-84" decimals="-3" id="f-725" unitRef="usd">915744000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-85" decimals="-3" id="f-726" unitRef="usd">74000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-85" decimals="-3" id="f-727" unitRef="usd">11579000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-85" decimals="-3" id="f-728" unitRef="usd">12021000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-85" decimals="-3" id="f-729" unitRef="usd">182215000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-85" decimals="-3" id="f-730" unitRef="usd">12095000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-85" decimals="-3" id="f-731" unitRef="usd">193794000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-7" decimals="-3" id="f-732" unitRef="usd">2797000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-7" decimals="-3" id="f-733" unitRef="usd">149164000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-7" decimals="-3" id="f-734" unitRef="usd">115288000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-7" decimals="-3" id="f-735" unitRef="usd">1390575000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-7" decimals="-3" id="f-736" unitRef="usd">118085000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-7" decimals="-3" id="f-737" unitRef="usd">1539739000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-86" decimals="-3" id="f-738" unitRef="usd">531000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-86" decimals="-3" id="f-739" unitRef="usd">51391000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-86" decimals="-3" id="f-740" unitRef="usd">61949000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-86" decimals="-3" id="f-741" unitRef="usd">300318000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-86" decimals="-3" id="f-742" unitRef="usd">62480000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-86" decimals="-3" id="f-743" unitRef="usd">351709000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-87" decimals="-3" id="f-744" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-87" decimals="-3" id="f-745" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-87" decimals="-3" id="f-746" unitRef="usd">279000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-87" decimals="-3" id="f-747" unitRef="usd">3129000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-87" decimals="-3" id="f-748" unitRef="usd">279000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-87" decimals="-3" id="f-749" unitRef="usd">3129000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-88" decimals="-3" id="f-750" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-88" decimals="-3" id="f-751" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-88" decimals="-3" id="f-752" unitRef="usd">66870000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-88" decimals="-3" id="f-753" unitRef="usd">1578739000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-88" decimals="-3" id="f-754" unitRef="usd">66870000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-88" decimals="-3" id="f-755" unitRef="usd">1578739000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-89" decimals="-3" id="f-756" unitRef="usd">2221000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-89" decimals="-3" id="f-757" unitRef="usd">90725000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-89" decimals="-3" id="f-758" unitRef="usd">21818000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-89" decimals="-3" id="f-759" unitRef="usd">241253000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-89" decimals="-3" id="f-760" unitRef="usd">24039000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-89" decimals="-3" id="f-761" unitRef="usd">331978000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-8" decimals="-3" id="f-762" unitRef="usd">2752000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-8" decimals="-3" id="f-763" unitRef="usd">142116000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-8" decimals="-3" id="f-764" unitRef="usd">150916000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-8" decimals="-3" id="f-765" unitRef="usd">2123439000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-8" decimals="-3" id="f-766" unitRef="usd">153668000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-8" decimals="-3" id="f-767" unitRef="usd">2265555000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
      contextRef="c-7"
      decimals="INF"
      id="f-768"
      unitRef="security">236</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions>
    <slm:DebtSecuritiesAvailableForSaleNumberOfPositions
      contextRef="c-7"
      decimals="INF"
      id="f-769"
      unitRef="security">278</slm:DebtSecuritiesAvailableForSaleNumberOfPositions>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
      contextRef="c-8"
      decimals="INF"
      id="f-770"
      unitRef="security">213</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions>
    <slm:DebtSecuritiesAvailableForSaleNumberOfPositions
      contextRef="c-8"
      decimals="INF"
      id="f-771"
      unitRef="security">248</slm:DebtSecuritiesAvailableForSaleNumberOfPositions>
    <slm:VerticalRiskRetentionPercentage contextRef="c-1" decimals="INF" id="f-772" unitRef="number">0.05</slm:VerticalRiskRetentionPercentage>
    <us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock contextRef="c-1" id="f-773">&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, 2024, 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:41.944%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:45.257%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.734%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:2.873%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.736%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2024&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&gt;&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;2025&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;299,816&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;298,648&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;549,175&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;520,793&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2027&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;99,018&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;96,303&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2038&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;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;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&gt;&lt;/tr&gt;&lt;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;2039&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;551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2042&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;2,112&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,793&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2043&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;3,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,299&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2044&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;4,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;3,651&#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&gt;&lt;/tr&gt;&lt;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;2045&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;4,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2046&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;6,953&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5,965&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2047&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;6,704&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;5,781&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2048&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;1,702&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2049&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;14,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;12,842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2050&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;101,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;78,475&#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;/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;2051&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;144,694&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;111,058&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2052&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;58,268&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;50,497&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;297,695&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;294,197&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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;142,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;135,800&#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;/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;2055&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;71,611&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;70,409&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2056&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;194,173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;197,363&#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&gt;&lt;/tr&gt;&lt;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;2058&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;39,379&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;40,355&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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;2,042,473&#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&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&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;1,933,226&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-90" decimals="-3" id="f-774" unitRef="usd">299816000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-90" decimals="-3" id="f-775" unitRef="usd">298648000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-91" decimals="-3" id="f-776" unitRef="usd">549175000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-91" decimals="-3" id="f-777" unitRef="usd">520793000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-92" decimals="-3" id="f-778" unitRef="usd">99018000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-92" decimals="-3" id="f-779" unitRef="usd">96303000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-93" decimals="-3" id="f-780" unitRef="usd">66000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-93" decimals="-3" id="f-781" unitRef="usd">66000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-94" decimals="-3" id="f-782" unitRef="usd">551000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-94" decimals="-3" id="f-783" unitRef="usd">531000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-95" decimals="-3" id="f-784" unitRef="usd">2112000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-95" decimals="-3" id="f-785" unitRef="usd">1793000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-96" decimals="-3" id="f-786" unitRef="usd">3761000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-96" decimals="-3" id="f-787" unitRef="usd">3299000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-97" decimals="-3" id="f-788" unitRef="usd">4085000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-97" decimals="-3" id="f-789" unitRef="usd">3651000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-98" decimals="-3" id="f-790" unitRef="usd">4518000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-98" decimals="-3" id="f-791" unitRef="usd">3919000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-99" decimals="-3" id="f-792" unitRef="usd">6953000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-99" decimals="-3" id="f-793" unitRef="usd">5965000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-100" decimals="-3" id="f-794" unitRef="usd">6704000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-100" decimals="-3" id="f-795" unitRef="usd">5781000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-101" decimals="-3" id="f-796" unitRef="usd">1702000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-101" decimals="-3" id="f-797" unitRef="usd">1481000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-102" decimals="-3" id="f-798" unitRef="usd">14838000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-102" decimals="-3" id="f-799" unitRef="usd">12842000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-103" decimals="-3" id="f-800" unitRef="usd">101145000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-103" decimals="-3" id="f-801" unitRef="usd">78475000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-104" decimals="-3" id="f-802" unitRef="usd">144694000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-104" decimals="-3" id="f-803" unitRef="usd">111058000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-105" decimals="-3" id="f-804" unitRef="usd">58268000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-105" decimals="-3" id="f-805" unitRef="usd">50497000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-106" decimals="-3" id="f-806" unitRef="usd">297695000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-106" decimals="-3" id="f-807" unitRef="usd">294197000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-107" decimals="-3" id="f-808" unitRef="usd">142209000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-107" decimals="-3" id="f-809" unitRef="usd">135800000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-108" decimals="-3" id="f-810" unitRef="usd">71611000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-108" decimals="-3" id="f-811" unitRef="usd">70409000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-109" decimals="-3" id="f-812" unitRef="usd">194173000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-109" decimals="-3" id="f-813" unitRef="usd">197363000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-110" decimals="-3" id="f-814" unitRef="usd">39379000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-110" decimals="-3" id="f-815" unitRef="usd">40355000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c-7" decimals="-3" id="f-816" unitRef="usd">2042473000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-7" decimals="-3" id="f-817" unitRef="usd">1933226000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <slm:ParValueOfMortgageBackedSecuritiesPledgedToFRB contextRef="c-7" decimals="-6" id="f-818" unitRef="usd">610000000</slm:ParValueOfMortgageBackedSecuritiesPledgedToFRB>
    <slm:ParValueOfMortgageBackedSecuritiesPledgedToFRB contextRef="c-8" decimals="-6" id="f-819" unitRef="usd">612000000</slm:ParValueOfMortgageBackedSecuritiesPledgedToFRB>
    <us-gaap:OtherInvestmentNotReadilyMarketableFairValue contextRef="c-111" decimals="-6" id="f-820" unitRef="usd">5000000</us-gaap:OtherInvestmentNotReadilyMarketableFairValue>
    <slm:OtherInvestmentNotReadilyMarketableGainLoss contextRef="c-112" decimals="-6" id="f-821" unitRef="usd">-60000000</slm:OtherInvestmentNotReadilyMarketableGainLoss>
    <us-gaap:OtherInvestmentNotReadilyMarketableFairValue contextRef="c-7" decimals="-6" id="f-822" unitRef="usd">24000000</us-gaap:OtherInvestmentNotReadilyMarketableFairValue>
    <us-gaap:OtherInvestmentNotReadilyMarketableFairValue contextRef="c-8" decimals="-6" id="f-823" unitRef="usd">14000000</us-gaap:OtherInvestmentNotReadilyMarketableFairValue>
    <us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount contextRef="c-1" decimals="-6" id="f-824" unitRef="usd">13000000</us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount>
    <us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount contextRef="c-9" decimals="-6" id="f-825" unitRef="usd">11000000</us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount>
    <us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount contextRef="c-10" decimals="-6" id="f-826" unitRef="usd">9000000</us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount>
    <us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization contextRef="c-1" decimals="-6" id="f-831" unitRef="usd">10000000</us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization>
    <us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization contextRef="c-9" decimals="-6" id="f-832" unitRef="usd">9000000</us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization>
    <us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization contextRef="c-10" decimals="-6" id="f-833" unitRef="usd">7000000</us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization>
    <us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments contextRef="c-7" decimals="-6" id="f-835" unitRef="usd">82000000</us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments>
    <us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments contextRef="c-8" decimals="-6" id="f-836" unitRef="usd">72000000</us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments>
    <us-gaap:QualifiedAffordableHousingProjectInvestmentsCommitment contextRef="c-7" decimals="-6" id="f-837" unitRef="usd">30000000</us-gaap:QualifiedAffordableHousingProjectInvestmentsCommitment>
    <us-gaap:QualifiedAffordableHousingProjectInvestmentsCommitment contextRef="c-8" decimals="-6" id="f-838" unitRef="usd">30000000</us-gaap:QualifiedAffordableHousingProjectInvestmentsCommitment>
    <us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock contextRef="c-1" id="f-839">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 solely of Private Education Loans as of December 31, 2024. During the third quarter of 2024, we transferred our remaining FFELP Loan portfolio to loans held for sale and subsequently sold the FFELP Loan portfolio to an unaffiliated third party during the fourth quarter of 2024. We wrote down the FFELP Loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $8 million in 2024.  &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 use &#x201c;Credit Cards&#x201d; to refer to the suite of Credit Card loans that we previously held. At September 30, 2022, we transferred our Credit Card portfolio to loans held for sale and subsequently sold the Credit Card portfolio to a third party in May 2023. We recorded a loss of $4&#160;million on the sale of the Credit Card portfolio in 2023.&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 SOFR, the Secured Overnight Financing Rate. As of December&#160;31, 2024 and December 31, 2023, 23 percent and 33 percent, respectively, of all our Private Education Loans were indexed to 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;The following table summarizes our Private Education Loan sales to unaffiliated third parties for the periods presented.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&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&gt;&lt;td style="width:47.007%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.535%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.672%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.535%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.672%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.904%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.675%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;Years Ended December 31, &lt;br/&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2022&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;Loan principal&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&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;3,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Capitalized interest &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;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&gt;&lt;/tr&gt;&lt;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 sold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Gain on sale of loans, net&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;255&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;328&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;text-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 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 Note 10, &#x201c;Borrowings &#x2014; Unconsolidated Funding Vehicles&#x201d; in this Form 10-K.&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;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&gt;&lt;td style="width:57.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.911%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.911%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.679%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2023&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17,093,382&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;13,985,791&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Variable-rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;5,141,626&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;7,040,053&#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;/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 Private Education Loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;22,235,008&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;21,025,844&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;103,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;81,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Allowance for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(1,435,920)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(1,335,105)&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,902,158&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;19,772,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&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;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)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;537,401&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,330&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Allowance for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(4,667)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 FFELP Loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;534,064&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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;Loans held for investment, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,902,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;20,306,357&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:117pt;padding-right:94.5pt;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;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt; FFELP Loans were transferred to loans held for sale during the third quarter of 2024 and subsequently sold to a third party during the fourth quarter of 2024.   &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:117pt;padding-right:45pt;text-indent:-9pt"&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 estimated weighted average life of education loans in our portfolio was approximately 5.6 years and 5.0 years at December&#160;31, 2024 and 2023, 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 (net of unamortized premium/(discount)) 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="margin-top:6pt;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:87.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.201%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.069%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.757%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.058%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.439%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.582%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.439%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.590%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2022&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,121,545&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;21,039,701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;10.86&#160;&lt;/span&gt;&lt;/td&gt;&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&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;20,576,737&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;9.14&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;413,338&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;7.45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;574,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;7.19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;662,194&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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 #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,534,883&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,613,919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,238,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;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:112%"&gt;Over the course of the last few years, we have made significant changes to our credit administration practices, enhancing our loss mitigation programs through both our forbearance and loan modification offerings. We adjust the terms of loans for certain borrowers when we believe such changes will help our borrowers manage their student loan obligations and 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 or permanent interest rate reduction, a temporary or permanent interest rate reduction with a permanent extension of the loan term, and/or a short-term extended repayment or interest-only 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;Forbearance allows a borrower to not make scheduled payments for a specified period of time. Our forbearance policies and practices vary depending upon whether a borrower is current or delinquent at the time forbearance is requested, generally with stricter requirements for delinquent borrowers. 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;During the first six months following a borrower&#x2019;s grace period, the borrower may be eligible for extended grace forbearance, which provides temporary payment relief to give the borrower additional time to be in a position to make regular principal and interest 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:112%"&gt;Hardship forbearance may be granted in order to provide temporary payment relief to borrowers who are either current in their payments but demonstrate a need for relief, or who are delinquent in their payments but demonstrate an ability and willingness to repay their obligation.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;In these circumstances, a borrower&#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, for borrowers who were current when they entered forbearance, or those who were delinquent but met specific payment requirements curing their delinquency, the borrower will enter repayment status as current.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;In all instances, the borrowers are expected to begin making scheduled monthly payments at the end of their forbearance periods.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;This strategy is aimed at assisting borrowers while mitigating the risks of delinquency and default as well as encouraging resolution of delinquent loans.&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;Disaster forbearance is used to assist borrowers affected by material events, typically federally-declared disasters, including hurricanes, wildfires, floods, and pandemics. 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:112%"&gt;Currently, we generally grant forbearance in increments of &lt;span style="-sec-ix-hidden:f-897"&gt;one&lt;/span&gt; to two months at a time, for up to 12 months over the life of the loan, although extended grace forbearance is typically granted in one six-month increment and disaster forbearance and certain other limited instances 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 extended grace forbearances 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;For borrowers experiencing more severe hardship, following evaluation of their ability and willingness to repay, we currently use modification programs tailored to the financial condition of the individual borrower. Pursuant to our modification programs, we may reduce the contractual interest rate on a loan to a rate between 2 percent and 8 percent for a temporary period of &lt;span style="-sec-ix-hidden:f-908"&gt;two&lt;/span&gt; to four years, and in some instances may also permanently extend the final maturity of the loan. For borrowers experiencing the most severe financial conditions, we may permanently reduce the contractual interest rate on a loan to 2 percent for the remaining life of the loan and also permanently extend the final maturity of the loan.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:112%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;Following modification, borrowers who are delinquent but meet specific payment requirements curing their delinquency will be brought current. We currently limit the granting of a permanent extension of the final maturity date of a loan to once over the life of the loan, and the number of interest rate reductions to twice over the life of the loan. &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 continually 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, 2024 and 2023, we had $142 million and $151 million, respectively, of Private Education Loans held for investment that were more than 90 days delinquent and continue to accrue interest.  As of December 31, 2023, $45&#160;million of FFELP Loans held for investment were more than 90 days delinquent that continued to accrue interest. We sold the FFELP Loan portfolio to an unaffiliated third party during the fourth quarter of 2024. At December&#160;31, 2024 and December 31, 2023, we had an immaterial amount of 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: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;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, 2024 and 2023, we had $2.3 billion and $1.4 billion, respectively, of Private Education Loans pledged to this borrowing facility, as discussed further in Note 10, &#x201c;Borrowings&#x201d; in this Form 10-K. We did not have any FFELP Loans pledged at December 31, 2024 or 2023. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:8pt;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, 2024 and 2023, 43.8 percent and 43.5 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&gt;&lt;td style="width:43.636%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.679%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.087%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:1.907%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2023&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;California&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.2&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.1&#160;&lt;/span&gt;&lt;/td&gt;&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;New York&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;9.0&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;9.0&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.1&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;7.2&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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:#ffffff;padding:0 1pt"&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;6.6&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6.3&#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&gt;&lt;/tr&gt;&lt;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;New Jersey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Florida&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5.3&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5.3&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;43.8&#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&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;43.5&#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="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;</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
    <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs contextRef="c-113" decimals="-6" id="f-840" unitRef="usd">8000000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
    <us-gaap:GainLossOnSaleOfNotesReceivable contextRef="c-114" decimals="-6" id="f-841" unitRef="usd">-4000000</us-gaap:GainLossOnSaleOfNotesReceivable>
    <slm:PercentOfPrivateLoansIndexedToLIBOROrSOFR contextRef="c-7" decimals="2" id="f-842" unitRef="number">0.23</slm:PercentOfPrivateLoansIndexedToLIBOROrSOFR>
    <slm:PercentOfPrivateLoansIndexedToLIBOROrSOFR contextRef="c-8" decimals="2" id="f-843" unitRef="number">0.33</slm:PercentOfPrivateLoansIndexedToLIBOROrSOFR>
    <us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock contextRef="c-1" id="f-844">&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 our Private Education Loan sales to unaffiliated third parties for the periods presented.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:24.75pt"&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&gt;&lt;td style="width:47.007%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.535%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.672%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.535%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.672%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.904%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.675%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;Years Ended December 31, &lt;br/&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2022&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;Loan principal&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&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;3,418&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Capitalized interest &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;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&gt;&lt;/tr&gt;&lt;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 sold&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,692&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,153&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Gain on sale of loans, net&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;255&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;164&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;328&#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&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;Allowance for Credit Losses Metrics&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:11.25pt"&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 a summary of the activity in the allowance for loan losses and the allowance for unfunded loan commitments during the years ended December 31, 2024, 2023, and 2022.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&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="padding-left:22.5pt;padding-right:22.5pt;text-align:center;text-indent:-9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.750%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.253%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.503%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.136%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.503%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.503%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.138%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2024&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&gt;&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&gt;&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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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:8pt;font-weight:700;line-height:100%"&gt;Allowance for loan losses, beginning balance&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;1,335,105&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;1,339,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;Transfer from allowance for unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;311,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;311,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:8pt;font-weight:400;line-height:100%"&gt;Provisions:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Provision for current period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;4,010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;357,067&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;361,077&#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&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;Loan sale reduction to provision&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(235,955)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(235,955)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;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;(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&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;4,010&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;121,112&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;125,122&#160;&lt;/span&gt;&lt;/td&gt;&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;(380)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(376,840)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(377,220)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ededee;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;44,756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;44,756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(380)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(332,084)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;(332,464)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/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;Write-downs arising from transfer of loans to held for sale&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:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(8,297)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(8,297)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for loan losses, ending balance&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&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,435,920&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;1,435,920&#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&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for unfunded loan commitments, beginning balance&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;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;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;112,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;112,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;Provision&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)(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;283,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;283,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:8pt;font-weight:400;line-height:100%"&gt;Transfer to allowance for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(311,787)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(311,787)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for unfunded loan commitments, ending balance&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;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;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;84,568&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;84,568&#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&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:8pt;font-weight:700;line-height:100%"&gt;Total allowance for credit losses, ending balance&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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: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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,520,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;1,520,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;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;(5)&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&gt;&lt;td colspan="2" style="background-color:#ffffff;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:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;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:8pt;font-weight:400;line-height:100%"&gt;2.19&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Allowance for loan losses 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&gt;&lt;td colspan="2" style="background-color:#ededee;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;4.32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;5.83&#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;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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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: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&gt;&lt;td style="background-color:#ededee;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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;22,235,008&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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;(5)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;15,139,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&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;(5)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;16,106,751&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;2,311,660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Total accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;1,549,415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:22.5pt;padding-right:13.5pt;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 &#x201c;&#x2014; Provisions for Credit Losses&#x201d; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:22.5pt;padding-right:13.5pt;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;Represents fair value adjustments on loans transferred to held for sale. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:22.5pt;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;When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#x201c;Other Liabilities&#x201d; on the consolidated balance sheet. See &#x201c;&#x2014; Unfunded Loan Commitments&#x201d; in this Note 6 for further discussion.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:22.5pt;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;(4) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Includes incremental provision for new commitments and changes to provision for existing commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:22.5pt;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;(5) &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 (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:3pt;padding-left:36pt;padding-right:36pt;text-align:center;text-indent:-9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.138%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.834%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.600%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.498%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.481%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023&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&gt;&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&gt;&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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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:8pt;font-weight:700;line-height:100%"&gt;Allowance for loan losses, beginning balance&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;1,353,631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;1,357,075&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;Transfer from allowance for unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;320,237&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;320,237&#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;/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:8pt;font-weight:400;line-height:100%"&gt;Provisions:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Provision for current period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;2,224&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;240,347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;242,571&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;Loan sale reduction to provision&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(205,383)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(205,383)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;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;(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&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;2,224&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;34,964&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;37,188&#160;&lt;/span&gt;&lt;/td&gt;&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;(1,001)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(420,095)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(421,096)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ededee;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;46,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;46,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(1,001)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(373,727)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;(374,728)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:700;line-height:100%"&gt;Allowance for loan losses, ending balance&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;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;4,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;1,335,105&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;1,339,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for unfunded loan commitments, beginning balance&lt;/span&gt;&lt;span style="color:#144f82;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="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;124,924&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;124,924&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/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;Provision&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)(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;308,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;308,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;Transfer to allowance for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(320,237)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(320,237)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for unfunded loan commitments, ending balance&lt;/span&gt;&lt;span style="color:#144f82;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="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;112,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;112,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total allowance for credit losses, ending balance&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&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;4,667&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,448,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;1,452,734&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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: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;(4)&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&gt;&lt;td colspan="2" style="background-color:#ededee;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:8pt;font-weight:400;line-height:100%"&gt;0.23&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;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:8pt;font-weight:400;line-height:100%"&gt;2.44&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Allowance for loan losses 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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;4.66&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;3.57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;0.87&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;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;5.89&#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;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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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: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:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;537,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;21,025,844&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&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;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;433,225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;15,310,934&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;406,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;15,409,814&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;2,221,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Total accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;1,354,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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 &#x201c;&#x2014; Provisions for Credit Losses&#x201d; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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;When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#x201c;Other Liabilities&#x201d; on the consolidated balance sheet. See &#x201c;&#x2014; Unfunded Loan Commitments&#x201d; in this Note 6 for further discussion.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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;Includes incremental provision for new commitments and changes to provision for existing commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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;(4) &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 (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="padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-9pt"&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&gt;&lt;td style="width:45.748%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.504%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.364%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.366%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2022&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&gt;&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&gt;&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&gt;&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&lt;br/&gt;Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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:8pt;font-weight:700;line-height:100%"&gt;Allowance for loan losses, beginning balance&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,281&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;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;/td&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;Transfer from allowance for unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;344,310&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;344,310&#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&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;Provisions:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Provision for current period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;410,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;3,301&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;413,535&#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;/td&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;Loan sale reduction to provision&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(174,231)&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(174,231)&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&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;Loans transferred to held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(2,372)&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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(2,372)&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;/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 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;(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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;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;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;236,023&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;929&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;236,932&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(613)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(427,416)&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(3,215)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(431,244)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;Recoveries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;41,737&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;41,742&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 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;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(613)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(385,679)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(3,210)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(389,502)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for loan losses, ending balance&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&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;3,444&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,353,631&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,357,075&#160;&lt;/span&gt;&lt;/td&gt;&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&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for unfunded loan commitments, beginning balance&lt;/span&gt;&lt;span style="color:#144f82;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="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;72,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;72,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;Provision&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)(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;396,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;396,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:8pt;font-weight:400;line-height:100%"&gt;Transfer to allowance for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(344,310)&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(344,310)&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&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;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for unfunded loan commitments, ending balance&lt;/span&gt;&lt;span style="color:#144f82;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="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;124,924&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;124,924&#160;&lt;/span&gt;&lt;/td&gt;&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&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:8pt;font-weight:700;line-height:100%"&gt;Total allowance for credit losses, ending balance&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;1,478,555&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;1,481,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;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;(4)&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&gt;&lt;td colspan="2" style="background-color:#ffffff;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:8pt;font-weight:400;line-height:100%"&gt;0.12&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;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:8pt;font-weight:400;line-height:100%"&gt;2.55&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;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:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Allowance for loan losses 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&gt;&lt;td colspan="2" style="background-color:#ededee;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;5.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;3.51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;0.57&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;6.30&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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: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&gt;&lt;td style="background-color:#ededee;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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;609,050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;20,303,688&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;517,139&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15,103,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&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;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;453,915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;15,129,550&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,995,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Total accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;1,177,562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-right:3.6pt;text-indent:-9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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 &#x201c;&#x2014; Provisions for Credit Losses&#x201d; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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;When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#x201c;Other Liabilities&#x201d; on the consolidated balance sheet. See &#x201c;&#x2014; Unfunded Loan Commitments&#x201d; in this Note 6 for further discussion.&lt;/span&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;(&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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;Includes incremental provision for new commitments and changes to provision for existing commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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;(4) &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 (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:3pt;padding-right:3.6pt;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;Provisions for Credit Losses &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;Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;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:76.527%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.624%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.689%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.419%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.707%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.966%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;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;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:5pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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;Years Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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&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:8pt;font-weight:700;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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:8pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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:8pt;font-weight:700;line-height:100%"&gt;2022&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:8pt;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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:8pt;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&gt;&lt;td style="background-color:#ffffff;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;121,112&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34,964&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;236,023&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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:8pt;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&gt;&lt;td colspan="2" style="background-color:#ededee;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;283,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;308,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;396,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:8pt;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&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;404,505&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;343,239&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;632,544&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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;Other impacts to the provisions for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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:8pt;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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;4,010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;2,224&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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:8pt;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&gt;&lt;td colspan="2" style="background-color:#ededee;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;929&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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:8pt;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&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;4,010&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2,224&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;909&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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:8pt;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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;408,515&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;345,463&#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&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&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;633,453&#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&gt;&lt;/tr&gt;&lt;/table&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:502.50pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:119.50pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:54.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:63.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:49.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:66.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:54.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:66.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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="display:none"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;112,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,221,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;124,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,995,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;72,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,776,976&#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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;283,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;7,103,832&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;308,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6,602,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;396,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6,180,805&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;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:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(311,787)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(7,013,249)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(320,237)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(6,377,534)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(344,310)&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(5,961,973)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;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:#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;84,568&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,311,660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;112,962&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,221,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;124,924&#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&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&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;1,995,808&#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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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. Also includes incremental provision for new commitments and changes to provision for existing commitments.&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;</us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock>
    <slm:FinancingReceivableSalePrincipal contextRef="c-115" decimals="-3" id="f-845" unitRef="usd">3418000</slm:FinancingReceivableSalePrincipal>
    <slm:FinancingReceivableSalePrincipal contextRef="c-116" decimals="-3" id="f-846" unitRef="usd">2927000</slm:FinancingReceivableSalePrincipal>
    <slm:FinancingReceivableSalePrincipal contextRef="c-117" decimals="-3" id="f-847" unitRef="usd">3126000</slm:FinancingReceivableSalePrincipal>
    <slm:FinancingReceivableSaleCapitalizedInterest contextRef="c-115" decimals="-3" id="f-848" unitRef="usd">274000</slm:FinancingReceivableSaleCapitalizedInterest>
    <slm:FinancingReceivableSaleCapitalizedInterest contextRef="c-116" decimals="-3" id="f-849" unitRef="usd">226000</slm:FinancingReceivableSaleCapitalizedInterest>
    <slm:FinancingReceivableSaleCapitalizedInterest contextRef="c-117" decimals="-3" id="f-850" unitRef="usd">217000</slm:FinancingReceivableSaleCapitalizedInterest>
    <us-gaap:FinancingReceivableSale contextRef="c-115" decimals="-3" id="f-851" unitRef="usd">3692000</us-gaap:FinancingReceivableSale>
    <us-gaap:FinancingReceivableSale contextRef="c-116" decimals="-3" id="f-852" unitRef="usd">3153000</us-gaap:FinancingReceivableSale>
    <us-gaap:FinancingReceivableSale contextRef="c-117" decimals="-3" id="f-853" unitRef="usd">3343000</us-gaap:FinancingReceivableSale>
    <us-gaap:GainLossOnSalesOfLoansNet contextRef="c-115" decimals="-3" id="f-854" unitRef="usd">255000</us-gaap:GainLossOnSalesOfLoansNet>
    <us-gaap:GainLossOnSalesOfLoansNet contextRef="c-116" decimals="-3" id="f-855" unitRef="usd">164000</us-gaap:GainLossOnSalesOfLoansNet>
    <us-gaap:GainLossOnSalesOfLoansNet contextRef="c-117" decimals="-3" id="f-856" unitRef="usd">328000</us-gaap:GainLossOnSalesOfLoansNet>
    <us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock contextRef="c-1" id="f-857">&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 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&gt;&lt;td style="width:57.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.911%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.911%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.679%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2023&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;17,093,382&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;13,985,791&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Variable-rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;5,141,626&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;7,040,053&#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;/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 Private Education Loans, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;22,235,008&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;21,025,844&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;103,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;81,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Allowance for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(1,435,920)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(1,335,105)&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,902,158&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;19,772,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&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;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)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;537,401&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,330&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Allowance for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(4,667)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 FFELP Loans, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;534,064&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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;Loans held for investment, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;20,902,158&#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&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&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;20,306,357&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:117pt;padding-right:94.5pt;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;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt; FFELP Loans were transferred to loans held for sale during the third quarter of 2024 and subsequently sold to a third party during the fourth quarter of 2024.   &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:117pt;padding-right:45pt;text-indent:-9pt"&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 estimated weighted average life of education loans in our portfolio was approximately 5.6 years and 5.0 years at December&#160;31, 2024 and 2023, 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 (net of unamortized premium/(discount)) 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="margin-top:6pt;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:87.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.201%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.069%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.757%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.058%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.439%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.582%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.439%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.593%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.590%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2022&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&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;21,121,545&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;10.81&#160;&lt;/span&gt;&lt;/td&gt;&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,039,701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;20,576,737&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;9.14&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;413,338&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;7.45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;574,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;7.19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;662,194&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 portfolio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,534,883&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,613,919&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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 #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,238,931&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-118" decimals="-3" id="f-858" unitRef="usd">17093382000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-119" decimals="-3" id="f-859" unitRef="usd">13985791000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-120" decimals="-3" id="f-860" unitRef="usd">5141626000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-121" decimals="-3" id="f-861" unitRef="usd">7040053000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-122" decimals="-3" id="f-862" unitRef="usd">22235008000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-123" decimals="-3" id="f-863" unitRef="usd">21025844000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums contextRef="c-122" decimals="-3" id="f-864" unitRef="usd">103070000</us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums>
    <us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums contextRef="c-123" decimals="-3" id="f-865" unitRef="usd">81554000</us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-122" decimals="-3" id="f-866" unitRef="usd">1435920000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-123" decimals="-3" id="f-867" unitRef="usd">1335105000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-122" decimals="-3" id="f-868" unitRef="usd">20902158000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-123" decimals="-3" id="f-869" unitRef="usd">19772293000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-124" decimals="-3" id="f-870" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-125" decimals="-3" id="f-871" unitRef="usd">537401000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums contextRef="c-124" decimals="-3" id="f-872" unitRef="usd">0</us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums>
    <us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums contextRef="c-125" decimals="-3" id="f-873" unitRef="usd">1330000</us-gaap:UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-124" decimals="-3" id="f-874" unitRef="usd">0</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-125" decimals="-3" id="f-875" unitRef="usd">4667000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-124" decimals="-3" id="f-876" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-125" decimals="-3" id="f-877" unitRef="usd">534064000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-7" decimals="-3" id="f-878" unitRef="usd">20902158000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-8" decimals="-3" id="f-879" unitRef="usd">20306357000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <slm:EstimatedWeightedAverageLifeOfStudentLoans contextRef="c-1" id="f-880">P5Y7M6D</slm:EstimatedWeightedAverageLifeOfStudentLoans>
    <slm:EstimatedWeightedAverageLifeOfStudentLoans contextRef="c-9" id="f-881">P5Y</slm:EstimatedWeightedAverageLifeOfStudentLoans>
    <slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance contextRef="c-126" decimals="-3" id="f-882" unitRef="usd">21121545000</slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance>
    <slm:WeightedAverageInterestRateonLoans contextRef="c-126" decimals="4" id="f-883" unitRef="number">0.1081</slm:WeightedAverageInterestRateonLoans>
    <slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance contextRef="c-127" decimals="-3" id="f-884" unitRef="usd">21039701000</slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance>
    <slm:WeightedAverageInterestRateonLoans contextRef="c-127" decimals="4" id="f-885" unitRef="number">0.1086</slm:WeightedAverageInterestRateonLoans>
    <slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance contextRef="c-128" decimals="-3" id="f-886" unitRef="usd">20576737000</slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance>
    <slm:WeightedAverageInterestRateonLoans contextRef="c-128" decimals="4" id="f-887" unitRef="number">0.0914</slm:WeightedAverageInterestRateonLoans>
    <slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance contextRef="c-113" decimals="-3" id="f-888" unitRef="usd">413338000</slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance>
    <slm:WeightedAverageInterestRateonLoans contextRef="c-113" decimals="4" id="f-889" unitRef="number">0.0745</slm:WeightedAverageInterestRateonLoans>
    <slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance contextRef="c-129" decimals="-3" id="f-890" unitRef="usd">574218000</slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance>
    <slm:WeightedAverageInterestRateonLoans contextRef="c-129" decimals="4" id="f-891" unitRef="number">0.0719</slm:WeightedAverageInterestRateonLoans>
    <slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance contextRef="c-130" decimals="-3" id="f-892" unitRef="usd">662194000</slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance>
    <slm:WeightedAverageInterestRateonLoans contextRef="c-130" decimals="4" id="f-893" unitRef="number">0.0462</slm:WeightedAverageInterestRateonLoans>
    <slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance contextRef="c-1" decimals="-3" id="f-894" unitRef="usd">21534883000</slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance>
    <slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance contextRef="c-9" decimals="-3" id="f-895" unitRef="usd">21613919000</slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance>
    <slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance contextRef="c-10" decimals="-3" id="f-896" unitRef="usd">21238931000</slm:FinancingReceivableBeforeAllowanceForCreditLossAverageBalance>
    <slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted contextRef="c-132" id="f-898">P2M</slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted>
    <slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan contextRef="c-1" id="f-899">P12M</slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan>
    <slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan contextRef="c-1" id="f-900">P12M</slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan>
    <slm:FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants contextRef="c-1" id="f-901">P12M</slm:FinancingReceivablePeriodOfPositivePaymentPerformanceRequiredBetweenForbearanceGrants>
    <slm:FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants
      contextRef="c-1"
      decimals="INF"
      id="f-902"
      unitRef="payment">12</slm:FinancingReceivableNumberOfPaymentsRequiredBetweenForbearanceGrants>
    <slm:FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1 contextRef="c-1" id="f-903">P12M</slm:FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption1>
    <slm:FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2 contextRef="c-1" id="f-904">P5Y</slm:FinancingReceivableNumberOfInterestOnlyRepaymentAlternativesAvailableToDelinquentBorrowersPeriodOption2>
    <slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan contextRef="c-1" id="f-905">P12M</slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan>
    <slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus contextRef="c-133" decimals="3" id="f-906" unitRef="number">0.02</slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus>
    <slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus contextRef="c-134" decimals="3" id="f-907" unitRef="number">0.08</slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatus>
    <slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration contextRef="c-134" id="f-909">P4Y</slm:FinancingReceivableTemporaryInterestRateReductionFinancialDifficultyStatusDuration>
    <slm:InterestRateReductionPercentage contextRef="c-1" decimals="2" id="f-910" unitRef="number">0.02</slm:InterestRateReductionPercentage>
    <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing contextRef="c-122" decimals="-6" id="f-911" unitRef="usd">142000000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
    <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing contextRef="c-123" decimals="-6" id="f-912" unitRef="usd">151000000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
    <slm:PeriodofLoansPastDueThatHaveAccruedInterest contextRef="c-9" id="f-913">P90D</slm:PeriodofLoansPastDueThatHaveAccruedInterest>
    <slm:PeriodofLoansPastDueThatHaveAccruedInterest contextRef="c-1" id="f-914">P90D</slm:PeriodofLoansPastDueThatHaveAccruedInterest>
    <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing contextRef="c-125" decimals="-6" id="f-915" unitRef="usd">45000000</us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing>
    <slm:PeriodofLoansPastDueThatHaveAccruedInterest contextRef="c-9" id="f-916">P90D</slm:PeriodofLoansPastDueThatHaveAccruedInterest>
    <slm:PeriodofLoansPastDueThatHaveAccruedInterest contextRef="c-1" id="f-917">P90D</slm:PeriodofLoansPastDueThatHaveAccruedInterest>
    <slm:LoansinNonaccrualStatus contextRef="c-1" decimals="INF" id="f-918" unitRef="usd">0</slm:LoansinNonaccrualStatus>
    <slm:LoansinNonaccrualStatus contextRef="c-9" decimals="INF" id="f-919" unitRef="usd">0</slm:LoansinNonaccrualStatus>
    <slm:LoanspledgedtoBorrowerinCustody contextRef="c-122" decimals="-8" id="f-920" unitRef="usd">2300000000</slm:LoanspledgedtoBorrowerinCustody>
    <slm:LoanspledgedtoBorrowerinCustody contextRef="c-123" decimals="-8" id="f-921" unitRef="usd">1400000000</slm:LoanspledgedtoBorrowerinCustody>
    <slm:LoansheldforinvestmentbyRegionTableTextBlock contextRef="c-1" id="f-922">&lt;div style="margin-top:8pt;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, 2024 and 2023, 43.8 percent and 43.5 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&gt;&lt;td style="width:43.636%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.679%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.087%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:1.907%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:24.091%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2023&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;California&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.2&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.1&#160;&lt;/span&gt;&lt;/td&gt;&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;New York&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;9.0&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;9.0&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.1&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;7.2&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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:#ffffff;padding:0 1pt"&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;6.6&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6.3&#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&gt;&lt;/tr&gt;&lt;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;New Jersey&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Florida&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5.3&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5.3&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;43.8&#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&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;43.5&#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;</slm:LoansheldforinvestmentbyRegionTableTextBlock>
    <slm:PercentageofLoansconcentratedinmajorstates contextRef="c-7" decimals="3" id="f-923" unitRef="number">0.438</slm:PercentageofLoansconcentratedinmajorstates>
    <slm:PercentageofLoansconcentratedinmajorstates contextRef="c-8" decimals="3" id="f-924" unitRef="number">0.435</slm:PercentageofLoansconcentratedinmajorstates>
    <slm:PercentageofLoansheldinstate contextRef="c-135" decimals="3" id="f-925" unitRef="number">0.102</slm:PercentageofLoansheldinstate>
    <slm:PercentageofLoansheldinstate contextRef="c-136" decimals="3" id="f-926" unitRef="number">0.101</slm:PercentageofLoansheldinstate>
    <slm:PercentageofLoansheldinstate contextRef="c-137" decimals="3" id="f-927" unitRef="number">0.090</slm:PercentageofLoansheldinstate>
    <slm:PercentageofLoansheldinstate contextRef="c-138" decimals="3" id="f-928" unitRef="number">0.090</slm:PercentageofLoansheldinstate>
    <slm:PercentageofLoansheldinstate contextRef="c-139" decimals="3" id="f-929" unitRef="number">0.071</slm:PercentageofLoansheldinstate>
    <slm:PercentageofLoansheldinstate contextRef="c-140" decimals="3" id="f-930" unitRef="number">0.072</slm:PercentageofLoansheldinstate>
    <slm:PercentageofLoansheldinstate contextRef="c-141" decimals="3" id="f-931" unitRef="number">0.066</slm:PercentageofLoansheldinstate>
    <slm:PercentageofLoansheldinstate contextRef="c-142" decimals="3" id="f-932" unitRef="number">0.063</slm:PercentageofLoansheldinstate>
    <slm:PercentageofLoansheldinstate contextRef="c-143" decimals="3" id="f-933" unitRef="number">0.056</slm:PercentageofLoansheldinstate>
    <slm:PercentageofLoansheldinstate contextRef="c-144" decimals="3" id="f-934" unitRef="number">0.056</slm:PercentageofLoansheldinstate>
    <slm:PercentageofLoansheldinstate contextRef="c-145" decimals="3" id="f-935" unitRef="number">0.053</slm:PercentageofLoansheldinstate>
    <slm:PercentageofLoansheldinstate contextRef="c-146" decimals="3" id="f-936" unitRef="number">0.053</slm:PercentageofLoansheldinstate>
    <slm:PercentageofLoansconcentratedinmajorstates contextRef="c-7" decimals="3" id="f-937" unitRef="number">0.438</slm:PercentageofLoansconcentratedinmajorstates>
    <slm:PercentageofLoansconcentratedinmajorstates contextRef="c-8" decimals="3" id="f-938" unitRef="number">0.435</slm:PercentageofLoansconcentratedinmajorstates>
    <slm:PercentageofAggregateOutstandingLoansHeldForInvestment contextRef="c-1" decimals="2" id="f-939" unitRef="number">0.05</slm:PercentageofAggregateOutstandingLoansHeldForInvestment>
    <us-gaap:AllowanceForCreditLossesTextBlock contextRef="c-1" id="f-940">Allowance for Credit Losses and 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;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. &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 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. The allowance is recorded in &#x201c;Other Liabilities&#x201d; on the consolidated balance sheet. When the loan is funded, we transfer that liability to the allowance for loan 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;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 allowance for credit losses considers the collectability of both principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. See &#x201c;&#x2014; Accrued Interest Receivable&#x201d; in this Note 6 for further discussion.  &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 years ended December 31, 2024, 2023, and 2022, the allowance for loan losses, ending total loans, and accrued interest balances were all collectively evaluated for impairment, none of the balances were individually evaluated for impairment. &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;See Note 2, &#x201c;Significant Accounting Policies &#x2014; Allowance for Credit Losses&#x201d; for a more detailed discussion on our allowance for credit losses accounting policies. &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;Allowance for Credit Losses Metrics&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;text-indent:11.25pt"&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 a summary of the activity in the allowance for loan losses and the allowance for unfunded loan commitments during the years ended December 31, 2024, 2023, and 2022.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&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="padding-left:22.5pt;padding-right:22.5pt;text-align:center;text-indent:-9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.750%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.253%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.503%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.136%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.503%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.503%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.138%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2024&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&gt;&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&gt;&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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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:8pt;font-weight:700;line-height:100%"&gt;Allowance for loan losses, beginning balance&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;4,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,335,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;1,339,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;Transfer from allowance for unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;311,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;311,787&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:8pt;font-weight:400;line-height:100%"&gt;Provisions:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Provision for current period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;4,010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;357,067&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;361,077&#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&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;Loan sale reduction to provision&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(235,955)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(235,955)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;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;(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&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;4,010&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;121,112&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;125,122&#160;&lt;/span&gt;&lt;/td&gt;&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;(380)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(376,840)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(377,220)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ededee;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;44,756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;44,756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(380)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(332,084)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;(332,464)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/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;Write-downs arising from transfer of loans to held for sale&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:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(8,297)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(8,297)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for loan losses, ending balance&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&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,435,920&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;1,435,920&#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&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for unfunded loan commitments, beginning balance&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;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;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;112,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;112,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;Provision&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)(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;283,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;283,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:8pt;font-weight:400;line-height:100%"&gt;Transfer to allowance for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(311,787)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(311,787)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for unfunded loan commitments, ending balance&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:700;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;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;84,568&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;84,568&#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&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:8pt;font-weight:700;line-height:100%"&gt;Total allowance for credit losses, ending balance&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;1,520,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;1,520,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;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;(5)&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&gt;&lt;td colspan="2" style="background-color:#ffffff;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:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;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:8pt;font-weight:400;line-height:100%"&gt;2.19&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Allowance for loan losses 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&gt;&lt;td colspan="2" style="background-color:#ededee;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;4.32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;5.83&#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;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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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: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&gt;&lt;td style="background-color:#ededee;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22,235,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15,139,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(5)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16,106,751&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,311,660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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;1,549,415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:9pt;text-indent:-9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:22.5pt;padding-right:13.5pt;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 &#x201c;&#x2014; Provisions for Credit Losses&#x201d; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:22.5pt;padding-right:13.5pt;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;Represents fair value adjustments on loans transferred to held for sale. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:22.5pt;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;When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#x201c;Other Liabilities&#x201d; on the consolidated balance sheet. See &#x201c;&#x2014; Unfunded Loan Commitments&#x201d; in this Note 6 for further discussion.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:22.5pt;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;(4) &lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;Includes incremental provision for new commitments and changes to provision for existing commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:22.5pt;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;(5) &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 (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:3pt;padding-left:36pt;padding-right:36pt;text-align:center;text-indent:-9pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.138%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.834%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.600%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.498%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.481%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023&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&gt;&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&gt;&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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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:8pt;font-weight:700;line-height:100%"&gt;Allowance for loan losses, beginning balance&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;3,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,353,631&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;1,357,075&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;Transfer from allowance for unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;320,237&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;320,237&#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;/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:8pt;font-weight:400;line-height:100%"&gt;Provisions:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Provision for current period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;2,224&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;240,347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;242,571&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;Loan sale reduction to provision&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(205,383)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(205,383)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;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;(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&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;2,224&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;34,964&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;37,188&#160;&lt;/span&gt;&lt;/td&gt;&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;(1,001)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(420,095)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(421,096)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ededee;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;46,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;46,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;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;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(1,001)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(373,727)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;(374,728)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:700;line-height:100%"&gt;Allowance for loan losses, ending balance&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;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;4,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;1,335,105&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;1,339,772&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for unfunded loan commitments, beginning balance&lt;/span&gt;&lt;span style="color:#144f82;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="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;124,924&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;124,924&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/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;Provision&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)(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;308,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;308,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;Transfer to allowance for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(320,237)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;(320,237)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for unfunded loan commitments, ending balance&lt;/span&gt;&lt;span style="color:#144f82;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="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;112,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:400;line-height:100%"&gt;112,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total allowance for credit losses, ending balance&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,667&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;1,448,067&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;1,452,734&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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: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;(4)&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&gt;&lt;td colspan="2" style="background-color:#ededee;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:8pt;font-weight:400;line-height:100%"&gt;0.23&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;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:8pt;font-weight:400;line-height:100%"&gt;2.44&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Allowance for loan losses 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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;4.66&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;3.57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;0.87&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;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;5.89&#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;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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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: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:#ffffff;padding:0 1pt"&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: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;537,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,025,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Average loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;433,225&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15,310,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;406,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15,409,814&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,221,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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;1,354,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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 &#x201c;&#x2014; Provisions for Credit Losses&#x201d; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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;When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#x201c;Other Liabilities&#x201d; on the consolidated balance sheet. See &#x201c;&#x2014; Unfunded Loan Commitments&#x201d; in this Note 6 for further discussion.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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;Includes incremental provision for new commitments and changes to provision for existing commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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;(4) &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 (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="padding-left:27pt;padding-right:27pt;text-align:center;text-indent:-9pt"&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&gt;&lt;td style="width:45.748%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.504%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.226%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.364%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.366%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2022&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&gt;&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&gt;&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&gt;&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&lt;br/&gt;Cards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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:8pt;font-weight:700;line-height:100%"&gt;Allowance for loan losses, beginning balance&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,158,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;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;/td&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;Transfer from allowance for unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;344,310&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;344,310&#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&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;Provisions:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Provision for current period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;410,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;3,301&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;413,535&#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;/td&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;Loan sale reduction to provision&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(174,231)&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(174,231)&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&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;Loans transferred to held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(2,372)&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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(2,372)&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;/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 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;(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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;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;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;236,023&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;929&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;236,932&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(613)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(427,416)&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(3,215)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(431,244)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;Recoveries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;41,737&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;41,742&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 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;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(613)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(385,679)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(3,210)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(389,502)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for loan losses, ending balance&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&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;3,444&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,353,631&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,357,075&#160;&lt;/span&gt;&lt;/td&gt;&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&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for unfunded loan commitments, beginning balance&lt;/span&gt;&lt;span style="color:#144f82;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="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;72,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;72,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;Provision&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)(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;396,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;396,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:8pt;font-weight:400;line-height:100%"&gt;Transfer to allowance for loan losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(344,310)&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(344,310)&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&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;div&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Allowance for unfunded loan commitments, ending balance&lt;/span&gt;&lt;span style="color:#144f82;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="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;124,924&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;124,924&#160;&lt;/span&gt;&lt;/td&gt;&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&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:8pt;font-weight:700;line-height:100%"&gt;Total allowance for credit losses, ending balance&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;3,444&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,478,555&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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: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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/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:8pt;font-weight:400;line-height:100%"&gt;1,481,999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;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;(4)&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&gt;&lt;td colspan="2" style="background-color:#ffffff;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:8pt;font-weight:400;line-height:100%"&gt;0.12&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;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:8pt;font-weight:400;line-height:100%"&gt;2.55&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;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:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#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;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;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Allowance for loan losses 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&gt;&lt;td colspan="2" style="background-color:#ededee;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;5.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;3.51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Total allowance for credit losses as a percentage of the ending total loan balance, plus unfunded loan commitments and total accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;0.57&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;6.30&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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: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&gt;&lt;td style="background-color:#ededee;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;609,050&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20,303,688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;517,139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;15,103,123&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ending loans in repayment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;453,915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15,129,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;Unfunded loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;1,995,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total accrued interest receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,177,562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-right:3.6pt;text-indent:-9pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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 &#x201c;&#x2014; Provisions for Credit Losses&#x201d; below in this Note 6 for a reconciliation of the provisions for credit losses reported in the consolidated statements of income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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;When a new loan commitment is made, we record an allowance to cover lifetime expected credit losses on the unfunded commitments, which is recorded in &#x201c;Other Liabilities&#x201d; on the consolidated balance sheet. See &#x201c;&#x2014; Unfunded Loan Commitments&#x201d; in this Note 6 for further discussion.&lt;/span&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;(&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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;Includes incremental provision for new commitments and changes to provision for existing commitments.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:3pt;padding-left:31.5pt;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;(4) &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 (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:3pt;padding-right:3.6pt;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;Provisions for Credit Losses &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;Below is a reconciliation of the provisions for credit losses reported in the consolidated statements of income.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;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:76.527%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.624%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.070%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.689%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.419%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.707%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.966%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;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;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:5pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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;Years Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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&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:8pt;font-weight:700;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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:8pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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:8pt;font-weight:700;line-height:100%"&gt;2022&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:8pt;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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:8pt;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&gt;&lt;td style="background-color:#ffffff;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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;121,112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;34,964&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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;236,023&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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:8pt;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&gt;&lt;td colspan="2" style="background-color:#ededee;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;283,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;308,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;396,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:8pt;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&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;404,505&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;343,239&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;632,544&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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;Other impacts to the provisions for credit losses:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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:8pt;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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;4,010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;2,224&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;(20)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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:8pt;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&gt;&lt;td colspan="2" style="background-color:#ededee;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;929&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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:8pt;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&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;4,010&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2,224&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;909&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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:8pt;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&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;408,515&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;345,463&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;633,453&#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&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: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 provision for credit losses for the year ended December 31, 2024 was $409&#160;million, compared with $345&#160;million in the year-ago period. During 2024, the provision for credit losses was primarily affected by new loan commitments, net of expired commitments, and changes in recovery rates, which were partially offset by $236&#160;million in negative provisions recorded as a result of the approximately $3.69&#160;billion in Private Education Loan sales during 2024, an improved economic outlook, and changes in 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-weight:400;line-height:120%"&gt;In 2023, the provision for credit losses was primarily affected by new loan commitments, net of expired commitments, slower prepayment rates, management overlays, and changes in economic outlook, which were partially offset by $205&#160;million in negative provisions recorded as a result of the approximately $3.15&#160;billion in Private Education Loan sales during 2023 and an increase in recovery rates (as the result of a change in our defaulted loan recovery process). &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 2022, the provision for credit losses was primarily affected by new loan commitments made during the period, slower than expected prepayment rates, and additional management overlays, which were partially offset by negative provisions recorded related to approximately $3.34&#160;billion in Private Education Loans sold in 2022 and the adoption of a new loss model that included a reduction in the long-term estimate of losses after the reasonable and supportable period. Management overlays increased in 2022 due to several factors, including additional provisions arising from our expectation of higher future losses related to the previously announced credit administration practices changes we implemented in 2021, &#x201c;gap year&#x201d; loans, a shortage and lack of tenured collections staff, and other operational challenges we experienced in 2022.  &#x201c;Gap year&#x201d; loans refer to loans to borrowers who took a &#x201c;gap year&#x201d; during the COVID-19 pandemic and entered full principal and interest repayment status starting in late 2021 and early 2022. Losses on those &#x201c;gap year&#x201d; loans were higher than expected and contributed to the higher provision expense recorded in 2022 to cover the higher-than-expected losses.  &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:400;line-height:120%"&gt;Private Education Loans Allowance for Credit Losses - Forecast Assumptions &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;See Note 2, &#x201c;Significant Accounting Policies &#x2014; Allowance for Credit Losses&#x201d; for a more detailed discussion on the forecast assumptions used in calculating the allowance for credit losses. &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:400;line-height:120%"&gt;Loan Modifications to Borrowers Experiencing Financial Difficulty&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 allowance for credit losses incorporates an estimate of lifetime expected credit losses and is recorded on each asset upon asset origination or acquisition. The starting point for the estimate of the allowance for credit losses is historical information, which includes losses from modifications of receivables whose borrowers are experiencing financial difficulty. We use a discounted cash flow model to determine the allowance for credit losses. An assessment of whether a borrower is experiencing financial difficulty is made on the date of a modification.&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 effect of most modifications of loans made to borrowers who are experiencing financial difficulty is already included in the allowance for credit losses because of the measurement methodologies used to estimate the allowance. The forecast of expected future cash flows is updated as the loan modifications occur.&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, we deem loans greater than 90 days past due as 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 did not deem FFELP Loans as nonperforming from a credit risk perspective at any point in their life cycle prior to claim payment and continued 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;For additional information, see Note 2, &#x201c;Significant Accounting Policies &#x2014;Allowance for Credit Losses&#x201d; in this Form 10-K. &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;Under our current forbearance practices, temporary forbearance of payments is generally granted in &lt;span style="-sec-ix-hidden:f-1175"&gt;one&lt;/span&gt;-to-two month increments, for up to 12 months over the life of the loan, with 12 months of positive payment performance by a borrower required between grants (meaning the borrower must make payment in a cumulative amount equivalent to 12 monthly required payments under the loan). During the first six months following a borrower&#x2019;s grace period, the borrower may be eligible for extended grace forbearance in one six-month increment (which would also count towards the 12-month forbearance cap). See Note 5, &#x201c;Loans Held for Investment &#x2014; Certain Collection Tools - Private Education Loans&#x201d; in this Form 10-K. In the first quarter of 2022, we adopted ASU No. 2022-02. Under this ASU, if the debt has been previously restructured, an entity must consider the cumulative effect of past restructurings made within the 12-month period before the current restructuring when determining whether a delay in payment resulting from the current restructuring is insignificant. Due to our current forbearance practices, including the limitations on forbearances offered to borrowers, we do not believe the granting of forbearances will exceed the significance threshold and, therefore, we do not consider the forbearances as loan modifications. &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 offer certain administrative forbearances (e.g., death and disability, bankruptcy, military service, disaster forbearance, and in school assistance) that are required by law (such as by the Servicemembers Civil Relief Act), are considered separate from our active loss mitigation programs, or do not exceed the significance threshold and therefore are not considered to be loan modifications requiring disclosure under ASU No. 2022-02. In addition, we may offer on a limited basis term extensions or rate reductions or a combination of both to borrowers to reduce consolidation activities. For purposes of this disclosure, we do not consider them modifications of loans to borrowers experiencing financial difficulty and they therefore are not included in the tables 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;For additional information on our forbearance and modification programs, see Note 5, &#x201c;Loans Held for Investment &#x2014;Certain Collection Tools &#x2014; Private Education Loans&#x201d; in this Form 10-K. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt;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;As part of the additional modification programs that were launched in the fourth quarter of 2023, we also offered for a short period of time a permanent term extension with no interest rate reduction program. This program ended in the fourth quarter of 2023. The amortized cost of this program totaled $7.3&#160;million as of December 31, 2024, representing 0.03 percent of the total Private Education Loan portfolio. This program added a weighted average of 6.7 years to the life of loans in the program. As of December 31, 2024, $6.0 million of these loans were in a current or deferred status, $0.6 million of these loans were 30-59 days past due, $0.4 million of these loans were 60-89 days past due, and $0.3 million of these loans were 90 days or greater past due. As of December 31, 2024, the defaulted amount and amortized cost basis of loans that received a permanent term extension and no interest rate reduction and defaulted during the year ended December 31, 2024 and were modified for borrowers experiencing financial difficulty during the twelve months prior to default were $2.5 million and $2.0 million, respectively. Additionally, loans that received a permanent term extension with no interest rate reduction in the fourth quarter of 2023 that were both modified and subsequently charged-off during the twelve months ended December 31, 2024 are not included in the amortized cost basis and had an amortized cost basis of $0.6 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt;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 show the amortized cost basis at the end of the respective reporting periods of the loans to borrowers experiencing financial difficulty that were modified during the period, disaggregated by class of financing receivable and type of modification. When we approve a Private Education Loan at the beginning of an academic year, we do not always disburse the full amount of the loan at the time of 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 consider borrowers to be in financial difficulty after they have exited school and have difficulty making their scheduled principal and interest payments. The increase in loan modifications during the year ended December 31, 2024 compared to the year-ago period is primarily due to additional modification programs implemented in the fourth quarter of 2023 and subsequent refinements to those programs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt;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;       &lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:83.472%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.177%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.207%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.207%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.297%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.207%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Loan Modifications Made to Borrowers Experiencing Financial Difficulty&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:7pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2024&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Combination - Interest Rate Reduction and Term Extension&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Loan Type:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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 Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;% of Total Class of Financing Receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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 Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;% of Total Class of Financing Receivable&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&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;31,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;0.13&#160;&lt;/span&gt;&lt;/td&gt;&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,003,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;31,966&#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&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&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;0.13&#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&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;1,003,089&#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&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&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;4.20&#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="margin-bottom:12pt;margin-top:6pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt;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:83.472%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.177%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.207%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.207%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.297%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.207%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Loan Modifications Made to Borrowers Experiencing Financial Difficulty&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:7pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Combination - Interest Rate Reduction and Term Extension&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Loan Type:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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 Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;% of Total Class of Financing Receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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 Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;% of Total Class of Financing Receivable&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&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;48,637&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;0.22&#160;&lt;/span&gt;&lt;/td&gt;&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;331,889&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;48,637&#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&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&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;0.22&#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&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;331,889&#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&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&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;1.48&#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;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;The following tables describe the financial effect of the modifications made to loans whose borrowers are experiencing financial difficulty: &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 style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.527%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.000%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.558%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.634%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.558%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.572%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.558%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.120%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="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;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="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;Combination - Interest Rate &lt;br/&gt;Reduction and Term Extension&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Loan Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Financial Effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Loan Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Financial Effect&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;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;Reduced average contractual rate from 13.22% to 3.79%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;Added a weighted average 9.23 years to the life of loans&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:100%"&gt;Reduced average contractual rate from 12.71% to 3.66%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.527%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.000%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.558%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.634%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.558%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.572%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.558%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.120%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="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;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="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;Combination - Interest Rate &lt;br/&gt;Reduction and Term Extension&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Loan Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Financial Effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Loan Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Financial Effect&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;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;Reduced average contractual rate from 13.37% to 4.00%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;Added a weighted average 10.20 years to the life of loans&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:100%"&gt;Reduced average contractual rate from 12.92% to 4.00%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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="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;Private Education Loans are charged off at the end of the month in which they reach 120 days delinquent or otherwise when the loans are classified as a loss by us or our regulator. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount. See Note 2, &#x201c;Significant Accounting Policies &#x2014; Allowance for Credit Losses &#x2014; Allowance for Private Education Loan Losses&#x201d; and &#x201c;Significant Accounting Policies &#x2014; Allowance for Credit Losses &#x2014;  Allowance for FFELP Loan Losses&#x201d; in this Form 10-K for a more detailed discussion.&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 the periods presented, the following table presents the defaulted amount and period-end amortized cost basis, by modification category, of loans that defaulted during the period and were modified for borrowers experiencing financial difficulty during the 12 months preceding default. Solely for the purpose of the below table, starting in the quarter ended December 31, 2024, we changed our definition of payment default to be two missed consecutive post-modification payment obligations. As such, as reflected for the year ended December 31, 2024 below, defaulted amount represents the principal amount of modified loans at the time the borrower missed two consecutive post-modification payment obligations during the period. Previously, as reflected for the year ended December 31, 2023 in the table below, defaulted amount represented the principal amount of modified loans at the time they became 60 days or more past due in the relevant period. Loans that were both modified and subsequently charged-off during the twelve months ended December 31, 2024 are not included in the period-end amortized cost basis and had an amortized cost basis of $40.4 million at the time of charge-off. The increase in loan modifications during the year ended December 31, 2024 compared to the year-ago period is primarily due to the additional modification programs implemented in the fourth quarter of 2023 and subsequent refinements to those programs. The following two tables do not include loans that received a permanent term extension with no interest rate reduction during the fourth quarter of 2023, which are described earlier in this Note 6.&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:82.638%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.824%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.866%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.866%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.866%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.976%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.870%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023 &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:7pt;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&gt;&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;Defaulted Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Period-end Amortized Cost Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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;Defaulted Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Period-end Amortized Cost Basis&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;Loan Type:&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;6,460&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;4,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,174&#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&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;Combination - Interest Rate Reduction and Term Extension&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;143,300&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;114,307&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;26,341&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;24,798&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;149,760&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;118,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;30,862&#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&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&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;28,972&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;We closely monitor performance of the loans to borrowers experiencing financial difficulty that are modified to understand the effectiveness of the modification efforts. The following table depicts the performance of loans that have been modified during the respective reporting periods (the twelve months ended December 31, 2024 and 2023, respectively).&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:81.805%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:41.514%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.686%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.349%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.275%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.648%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.349%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.279%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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:8pt;font-weight:700;line-height:100%"&gt;Twelve Months Ended&lt;br/&gt;December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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:8pt;font-weight:700;line-height:100%"&gt;Twelve Months Ended&lt;br/&gt;December 31, 2023&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:7pt;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&gt;&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;Balance&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:#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="padding:0 1pt"&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;Balance&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:#000000;font-family:'Arial',sans-serif;font-size:8pt;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;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:9pt;font-weight:700;line-height:100%"&gt;Payment Status (Amortized Cost Basis)&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)&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;:&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loan modifications in 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;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;33,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6,843&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Loan modifications in repayment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;div style="padding-left:6pt"&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;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)(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;826,007&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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:#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;334,967&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;90&#160;&lt;/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="padding-left:6pt"&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;(3)(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;77,446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17,205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&#160;&lt;/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;div style="padding-left:6pt"&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;(3)(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;43,484&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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: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="padding-left:6pt"&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;(3)(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;54,473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;13,822&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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;Total loan modifications in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,001,410&#160;&lt;/span&gt;&lt;/td&gt;&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&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&#160;&lt;/span&gt;&lt;/td&gt;&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&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;373,683&#160;&lt;/span&gt;&lt;/td&gt;&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&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&#160;&lt;/span&gt;&lt;/td&gt;&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:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Private Education Loan modifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,035,055&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;380,526&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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:72pt;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;Loans that were both modified and subsequently charged-off during the twelve months ended December 31, 2024 and 2023 are excluded from the table and had an amortized cost basis of $40.4&#160;million and $8.4&#160;million, respectively. Additionally, loans that received a permanent term extension with no interest rate reduction during the fourth quarter of 2023 are excluded from the table.&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: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;Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make full principal and interest payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation). Deferment also includes loans that have entered a forbearance after the loan modification was granted.&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:7pt;font-weight:400;line-height:120%"&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:9.45pt"&gt;Represents loans in repayment, which include 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:7pt;font-weight:400;line-height:120%"&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:9.45pt"&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: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;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 approval/first disbursement, stratified by key credit quality indicators. &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:92.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.969%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.550%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.659%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.059%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.052%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.560%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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;As of December 31, 2024 &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&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Year of Origination Approval&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&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&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;2023&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&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;2022&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&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&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&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;2019 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&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&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Cosigners:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;With cosigner&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;4,519,952&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,707,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,741,871&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,759,261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,151,751&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,642,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;19,522,539&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&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;504,640&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;613,825&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;443,376&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;310,175&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;222,245&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;618,208&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,712,469&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;/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;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,024,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,321,510&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,185,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,069,436&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,373,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,260,227&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;22,235,008&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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;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 Approval&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;293,025&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;394,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;261,589&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;155,661&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;94,355&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;475,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,674,778&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;8&#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&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;615,617&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;753,548&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;449,214&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;285,181&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;197,205&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;898,535&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;3,199,300&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;14&#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&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&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;1,525,547&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,641,641&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;998,834&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;660,373&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;451,695&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,782,121&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;7,060,211&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;32&#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&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&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;2,590,403&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,531,359&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,475,610&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;968,221&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;630,741&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,104,385&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;10,300,719&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;46&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,024,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,321,510&#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:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,185,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,069,436&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,373,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,260,227&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;22,235,008&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;453,705&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;666,049&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;467,562&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;301,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;194,124&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;831,053&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,913,860&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;13&#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&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;633,749&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;710,546&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;409,808&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;248,325&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;138,730&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;578,639&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,719,797&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;/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;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,485,771&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,512,643&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;879,450&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;563,941&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;362,715&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,398,737&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;6,203,257&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;28&#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&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&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;2,451,367&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,432,272&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,428,427&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;955,803&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;678,427&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,451,798&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;10,398,094&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;47&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,024,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,321,510&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,185,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,069,436&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,373,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,260,227&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;22,235,008&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1-12 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,860,113&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;774,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;499,812&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;280,154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;159,762&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;324,506&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,898,818&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,729,334&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;372,496&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;191,989&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;122,938&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;340,556&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;3,757,313&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;/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;25-36 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,564,157&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;254,068&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;110,952&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;429,127&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,358,304&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;11&#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&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&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;987,977&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;170,051&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;451,494&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,609,522&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;7&#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&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;625,916&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;3,262,308&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;3,888,224&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;17&#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&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&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;2,164,479&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,817,705&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;748,782&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;355,248&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;184,377&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;452,236&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;5,722,827&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;26&#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&gt;&lt;/tr&gt;&lt;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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,024,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,321,510&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,185,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,069,436&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,373,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,260,227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;22,235,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2024 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&gt;&lt;td style="background-color:#ededee;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;(1,826)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(29,094)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(68,454)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(53,697)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(37,318)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(186,451)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(376,840)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2024 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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;6,487&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;3,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;26,350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;44,756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2024 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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,709)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(26,903)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(61,967)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(47,926)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(33,478)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(160,101)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;(332,084)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;Total accrued interest by origination approval vintage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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;195,291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;484,531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;325,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;197,504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;106,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;239,562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,549,415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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 2024.&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, 2024 through December 31, 2024.&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;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="51" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&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:92.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.969%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.550%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.659%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.059%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.052%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.560%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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;As of December 31, 2023 &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&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Year of Origination Approval&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2023&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&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;2022&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&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&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&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&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 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&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&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Cosigners:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;With cosigner&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,903,676&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,428,163&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,516,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,535,308&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,378,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,529,768&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;18,291,994&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;87&#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&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;586,443&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;660,576&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;421,042&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;283,781&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;253,601&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;528,407&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,733,850&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;13&#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&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&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;4,490,119&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,088,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,937,422&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,819,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,632,300&#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:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,058,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;21,025,844&#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:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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;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 Approval&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;328,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;395,526&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;208,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;118,935&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;137,494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;451,613&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,640,463&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;8&#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&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;635,642&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;704,642&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;400,744&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;254,762&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;257,840&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;868,777&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;3,122,407&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;/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;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,383,779&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,586,783&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;934,033&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;590,401&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;545,333&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,709,299&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;6,749,628&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;32&#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&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&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;2,142,499&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,401,788&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,393,949&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;854,991&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;691,633&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,028,486&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;9,513,346&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;/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;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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;4,490,119&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,088,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,937,422&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,819,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,632,300&#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:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,058,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;21,025,844&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;495,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;638,381&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;379,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;217,956&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;214,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;791,875&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,738,066&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;13&#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&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;616,684&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;672,777&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;365,674&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;193,462&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;176,963&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;564,245&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,589,805&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;/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;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,347,094&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,477,310&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;836,747&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;498,414&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;445,244&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,361,073&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;5,965,882&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;28&#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&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&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;2,030,890&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,300,271&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,355,263&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;909,257&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;795,428&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,340,982&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;9,732,091&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;47&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-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&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;4,490,119&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,088,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,937,422&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,819,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,632,300&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,058,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;21,025,844&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1-12 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,514,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;740,450&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;440,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;245,631&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;208,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;332,608&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;4,482,002&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;21&#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&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,675,956&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;303,045&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;167,532&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;165,577&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;384,760&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;3,696,870&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;18&#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&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,524,834&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;195,091&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;129,571&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;456,448&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,305,944&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;11&#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&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&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;902,938&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;208,521&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;446,350&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,557,809&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;7&#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&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;116&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;706,097&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,985,015&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;3,691,228&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;18&#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&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&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;1,976,040&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,672,333&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;669,250&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;307,781&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;213,593&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;452,994&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;5,291,991&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;/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;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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;4,490,119&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,088,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,937,422&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,819,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,632,300&#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:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,058,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;21,025,844&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2023 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&gt;&lt;td style="background-color:#ededee;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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,812)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(31,032)&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(70,331)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(49,624)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(50,585)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(216,711)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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;(420,095)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2023 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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;6,496&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,923&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;27,175&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;46,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2023 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&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;(1,640)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(28,690)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(63,835)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(44,701)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(45,325)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(189,536)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(373,727)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Total accrued interest by origination approval vintage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;177,959&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;408,800&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;269,978&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;152,094&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;116,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;229,116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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;1,354,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="51" style="padding:2px 1pt;text-align:left;vertical-align:middle"&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 2023.&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, 2023 through December 31, 2023.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&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 approval/first disbursement. 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). &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;text-indent:22.5pt"&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&gt;&lt;td style="width:25.062%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.202%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.202%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.202%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.056%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.056%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.638%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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 Approval 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, 2024&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:7pt;font-weight:700;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:700;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&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&gt;&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 and Prior&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ededee;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;2,164,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,817,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;748,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;355,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;184,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;452,236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,722,827&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;124,728&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;87,961&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;52,686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;31,575&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;88,496&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;405,430&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Loans in repayment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,820,940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;3,312,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,259,455&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,590,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,107,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,422,021&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;15,513,333&#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;/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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13,533&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;36,441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;45,543&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;35,245&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;27,302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;152,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;310,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;15,239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;23,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;18,365&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;10,921&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;68,878&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;140,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,683&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;14,481&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;20,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;17,080&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;12,632&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;75,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;141,935&#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&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&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;2,840,129&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;3,379,077&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2,348,504&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,661,502&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,158,044&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;4,719,495&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;16,106,751&#160;&lt;/span&gt;&lt;/td&gt;&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&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,024,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,321,510&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;3,185,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,069,436&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,373,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,260,227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;22,235,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;47,659&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;25,599&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;10,788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;6,142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,057&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;8,825&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;103,070&#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&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&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;5,072,251&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,347,109&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,196,035&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,075,578&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,378,053&#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:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,269,052&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;22,338,078&#160;&lt;/span&gt;&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&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(258,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(326,207)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(234,532)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(150,324)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(90,600)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(376,022)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(1,435,920)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,814,016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,020,902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,961,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,925,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,287,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,893,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;20,902,158&#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&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;56.5&#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;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;63.5&#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;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;73.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;80.3&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;84.3&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;89.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.7&#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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.0&#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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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:#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.4&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6.3&#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;span style="color:#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.6&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.6&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.1&#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: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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.8&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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="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&gt;&lt;td style="width:24.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.808%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.718%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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 Approval 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, 2023 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:7pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:700;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&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&gt;&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&gt;&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 and Prior&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ededee;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;1,976,040&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,672,333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;669,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;307,781&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;213,593&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;452,994&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,291,991&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,265&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;93,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;58,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;35,450&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;31,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;85,989&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;324,039&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,469,817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;3,254,534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,131,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,416,069&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,323,825&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,213,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;14,809,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;17,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;34,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;37,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;28,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;31,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;149,926&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;298,751&#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&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;17,227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;20,077&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;16,614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;15,482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;75,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;151,017&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;16,939&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;21,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;15,155&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;16,150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;79,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;150,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&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;2,494,814&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;3,323,327&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2,209,734&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,475,858&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,386,889&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;4,519,192&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;15,409,814&#160;&lt;/span&gt;&lt;/td&gt;&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&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,490,119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,088,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,937,422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,819,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,632,300&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,058,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;21,025,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;35,616&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;18,556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;9,465&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,809&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;3,556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;8,552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;81,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Total Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,525,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,107,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,946,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,824,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,635,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,066,727&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;21,107,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(269,642)&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(335,090)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(194,104)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(118,755)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(100,111)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(317,403)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(1,335,105)&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,256,093&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,772,205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,752,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,706,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,535,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,749,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;19,772,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;55.6&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;65.3&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;75.2&#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;span style="color:#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;81.1&#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: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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;85.0&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;89.3&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;73.3&#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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.0&#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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.6&#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;span style="color:#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.5&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6.8&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.9&#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: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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.6&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.2&#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;span style="color:#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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;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:95.416%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.818%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.215%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.215%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.215%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.215%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.215%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.215%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.808%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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 Approval 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, 2022 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:7pt;font-weight:700;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&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&gt;&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&gt;&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&gt;&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 and Prior&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ededee;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;1,827,649&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,433,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;578,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;380,639&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;219,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;455,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,895,053&#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;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,046&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;64,360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;38,613&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;37,802&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;30,583&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;91,681&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;279,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,411,441&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,991,839&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,907,574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,683,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,301,809&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,262,698&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;14,559,347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;14,164&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;30,740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;30,877&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;35,213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;31,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;144,948&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;287,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;15,056&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;14,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;18,201&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;16,697&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;77,595&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;147,505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,710&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;11,842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;14,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;16,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;16,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;74,040&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;135,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&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;2,432,838&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;3,049,477&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,967,756&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,754,219&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,365,979&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;4,559,281&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;15,129,550&#160;&lt;/span&gt;&lt;/td&gt;&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&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,276,533&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,547,159&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,584,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,172,660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,615,842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,106,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;20,303,688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;26,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;15,933&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;9,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,496&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;3,575&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;8,876&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;69,656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Total Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,303,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,563,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,593,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,178,156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,619,417&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,115,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;20,373,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(304,943)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(323,506)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(181,915)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(141,424)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(101,023)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(300,820)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(1,353,631)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,998,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,239,586&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,411,769&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,036,732&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,518,394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,814,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;19,019,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;56.9&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;67.1&#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: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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;76.1&#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: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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;80.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;84.5&#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;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;89.3&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;74.5&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.1&#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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6.5&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.2&#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;span style="color:#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.0&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.8&#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;/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-right:18pt"&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 or 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 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 credit losses considers the collectibility of both principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. See Note 2, &#x201c;Significant Accounting Policies &#x2014; Allowance for Credit Losses &#x2014; Uncollectible Interest&#x201d; in this Form 10-K for additional information. &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&gt;&lt;td style="width:40.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.321%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.321%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.322%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&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&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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&gt;&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&gt;&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 or 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&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&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;Uncollectible&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&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:15pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,549,415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;12,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,354,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;8,373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;9,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;padding-left:126pt;padding-right:108pt;text-indent:-13.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(1)  At December 31, 2024 and 2023, $164&#160;million and $151&#160;million, respectively, of accrued interest receivable was not expected to be capitalized and $1.4&#160;billion and $1.2&#160;billion of accrued interest receivable was expected to be capitalized. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:4.5pt;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;Unfunded Loan Commitments &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 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; Off-Balance Sheet Exposure for Contractual Loan Commitments&#x201d; in this Form 10-K 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, 2024, we had $2.3 billion of outstanding contractual loan commitments that we expect to fund during the remainder of the 2024/2025 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:502.50pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:119.50pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:54.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:63.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:49.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:66.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:54.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:66.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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="display:none"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;112,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,221,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;124,924&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,995,808&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;72,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,776,976&#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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;283,393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;7,103,832&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;308,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6,602,803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;396,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6,180,805&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;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:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(311,787)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(7,013,249)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(320,237)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(6,377,534)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(344,310)&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(5,961,973)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;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:#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;84,568&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,311,660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;112,962&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,221,077&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;124,924&#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&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&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;1,995,808&#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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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. Also includes incremental provision for new commitments and changes to provision for existing commitments.&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. &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;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:AllowanceForCreditLossesTextBlock>
    <slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest contextRef="c-1" decimals="0" id="f-941" unitRef="usd">25</slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-147" decimals="-3" id="f-942" unitRef="usd">4667000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-148" decimals="-3" id="f-943" unitRef="usd">1335105000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-8" decimals="-3" id="f-944" unitRef="usd">1339772000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments contextRef="c-149" decimals="-3" id="f-945" unitRef="usd">0</slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments>
    <slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments contextRef="c-150" decimals="-3" id="f-946" unitRef="usd">311787000</slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments>
    <slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments contextRef="c-1" decimals="-3" id="f-947" unitRef="usd">311787000</slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-149" decimals="-3" id="f-948" unitRef="usd">4010000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-150" decimals="-3" id="f-949" unitRef="usd">357067000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-1" decimals="-3" id="f-950" unitRef="usd">361077000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold contextRef="c-149" decimals="-3" id="f-951" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold contextRef="c-150" decimals="-3" id="f-952" unitRef="usd">235955000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold contextRef="c-1" decimals="-3" id="f-953" unitRef="usd">235955000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery contextRef="c-149" decimals="-3" id="f-954" unitRef="usd">4010000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery contextRef="c-150" decimals="-3" id="f-955" unitRef="usd">121112000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery contextRef="c-1" decimals="-3" id="f-956" unitRef="usd">125122000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-149" decimals="-3" id="f-957" unitRef="usd">380000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-150" decimals="-3" id="f-958" unitRef="usd">376840000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-1" decimals="-3" id="f-959" unitRef="usd">377220000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-149" decimals="-3" id="f-960" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-150" decimals="-3" id="f-961" unitRef="usd">44756000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-1" decimals="-3" id="f-962" unitRef="usd">44756000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery contextRef="c-149" decimals="-3" id="f-963" unitRef="usd">380000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery contextRef="c-150" decimals="-3" id="f-964" unitRef="usd">332084000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery contextRef="c-1" decimals="-3" id="f-965" unitRef="usd">332464000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale contextRef="c-149" decimals="-3" id="f-966" unitRef="usd">8297000</us-gaap:FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale>
    <us-gaap:FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale contextRef="c-150" decimals="-3" id="f-967" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale>
    <us-gaap:FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale contextRef="c-1" decimals="-3" id="f-968" unitRef="usd">8297000</us-gaap:FinancingReceivableExcludingAccruedInterestReclassificationToHeldForSale>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-151" decimals="-3" id="f-969" unitRef="usd">0</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-152" decimals="-3" id="f-970" unitRef="usd">1435920000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-7" decimals="-3" id="f-971" unitRef="usd">1435920000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-147" decimals="-3" id="f-972" unitRef="usd">0</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-148" decimals="-3" id="f-973" unitRef="usd">112962000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-8" decimals="-3" id="f-974" unitRef="usd">112962000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-149" decimals="-3" id="f-975" unitRef="usd">0</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-150" decimals="-3" id="f-976" unitRef="usd">283393000</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-1" decimals="-3" id="f-977" unitRef="usd">283393000</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-149" decimals="-3" id="f-978" unitRef="usd">0</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-150" decimals="-3" id="f-979" unitRef="usd">311787000</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-1" decimals="-3" id="f-980" unitRef="usd">311787000</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-151" decimals="-3" id="f-981" unitRef="usd">0</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-152" decimals="-3" id="f-982" unitRef="usd">84568000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-7" decimals="-3" id="f-983" unitRef="usd">84568000</us-gaap:OffBalanceSheetCreditLossLiability>
    <slm:AllowanceForCreditLossExcludingAccruedInterest contextRef="c-151" decimals="-3" id="f-984" unitRef="usd">0</slm:AllowanceForCreditLossExcludingAccruedInterest>
    <slm:AllowanceForCreditLossExcludingAccruedInterest contextRef="c-152" decimals="-3" id="f-985" unitRef="usd">1520488000</slm:AllowanceForCreditLossExcludingAccruedInterest>
    <slm:AllowanceForCreditLossExcludingAccruedInterest contextRef="c-7" decimals="-3" id="f-986" unitRef="usd">1520488000</slm:AllowanceForCreditLossExcludingAccruedInterest>
    <slm:ChargeOffsAsPercentageOfAverageLoansInRepayment contextRef="c-149" decimals="4" id="f-987" unitRef="number">0</slm:ChargeOffsAsPercentageOfAverageLoansInRepayment>
    <slm:ChargeOffsAsPercentageOfAverageLoansInRepayment contextRef="c-150" decimals="4" id="f-988" unitRef="number">0.0219</slm:ChargeOffsAsPercentageOfAverageLoansInRepayment>
    <slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs contextRef="c-149" decimals="2" id="f-989" unitRef="number">0</slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs>
    <slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs contextRef="c-150" decimals="2" id="f-990" unitRef="number">4.32</slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs>
    <slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest contextRef="c-149" decimals="4" id="f-991" unitRef="number">0</slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest>
    <slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest contextRef="c-150" decimals="4" id="f-992" unitRef="number">0.0583</slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest>
    <slm:AllowanceCoverageOfChargeOffsEndingLoans contextRef="c-151" decimals="-3" id="f-993" unitRef="usd">0</slm:AllowanceCoverageOfChargeOffsEndingLoans>
    <slm:AllowanceCoverageOfChargeOffsEndingLoans contextRef="c-152" decimals="-3" id="f-994" unitRef="usd">22235008000</slm:AllowanceCoverageOfChargeOffsEndingLoans>
    <slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment contextRef="c-149" decimals="-3" id="f-995" unitRef="usd">0</slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment>
    <slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment contextRef="c-150" decimals="-3" id="f-996" unitRef="usd">15139184000</slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment>
    <slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment contextRef="c-151" decimals="-3" id="f-997" unitRef="usd">0</slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment>
    <slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment contextRef="c-152" decimals="-3" id="f-998" unitRef="usd">16106751000</slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-151" decimals="-3" id="f-999" unitRef="usd">0</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-152" decimals="-3" id="f-1000" unitRef="usd">2311660000</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:InterestReceivable contextRef="c-151" decimals="-3" id="f-1001" unitRef="usd">0</us-gaap:InterestReceivable>
    <us-gaap:InterestReceivable contextRef="c-152" decimals="-3" id="f-1002" unitRef="usd">1549415000</us-gaap:InterestReceivable>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-153" decimals="-3" id="f-1003" unitRef="usd">3444000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-154" decimals="-3" id="f-1004" unitRef="usd">1353631000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-31" decimals="-3" id="f-1005" unitRef="usd">1357075000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments contextRef="c-155" decimals="-3" id="f-1006" unitRef="usd">0</slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments>
    <slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments contextRef="c-156" decimals="-3" id="f-1007" unitRef="usd">320237000</slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments>
    <slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments contextRef="c-9" decimals="-3" id="f-1008" unitRef="usd">320237000</slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-155" decimals="-3" id="f-1009" unitRef="usd">2224000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-156" decimals="-3" id="f-1010" unitRef="usd">240347000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-9" decimals="-3" id="f-1011" unitRef="usd">242571000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold contextRef="c-155" decimals="-3" id="f-1012" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold contextRef="c-156" decimals="-3" id="f-1013" unitRef="usd">205383000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold contextRef="c-9" decimals="-3" id="f-1014" unitRef="usd">205383000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery contextRef="c-155" decimals="-3" id="f-1015" unitRef="usd">2224000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery contextRef="c-156" decimals="-3" id="f-1016" unitRef="usd">34964000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery contextRef="c-9" decimals="-3" id="f-1017" unitRef="usd">37188000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-155" decimals="-3" id="f-1018" unitRef="usd">1001000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-156" decimals="-3" id="f-1019" unitRef="usd">420095000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-9" decimals="-3" id="f-1020" unitRef="usd">421096000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-155" decimals="-3" id="f-1021" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-156" decimals="-3" id="f-1022" unitRef="usd">46368000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-9" decimals="-3" id="f-1023" unitRef="usd">46368000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery contextRef="c-155" decimals="-3" id="f-1024" unitRef="usd">1001000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery contextRef="c-156" decimals="-3" id="f-1025" unitRef="usd">373727000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery contextRef="c-9" decimals="-3" id="f-1026" unitRef="usd">374728000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-147" decimals="-3" id="f-1027" unitRef="usd">4667000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-148" decimals="-3" id="f-1028" unitRef="usd">1335105000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-8" decimals="-3" id="f-1029" unitRef="usd">1339772000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-153" decimals="-3" id="f-1030" unitRef="usd">0</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-154" decimals="-3" id="f-1031" unitRef="usd">124924000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-31" decimals="-3" id="f-1032" unitRef="usd">124924000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-155" decimals="-3" id="f-1033" unitRef="usd">0</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-156" decimals="-3" id="f-1034" unitRef="usd">308275000</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-9" decimals="-3" id="f-1035" unitRef="usd">308275000</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-155" decimals="-3" id="f-1036" unitRef="usd">0</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-156" decimals="-3" id="f-1037" unitRef="usd">320237000</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-9" decimals="-3" id="f-1038" unitRef="usd">320237000</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-147" decimals="-3" id="f-1039" unitRef="usd">0</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-148" decimals="-3" id="f-1040" unitRef="usd">112962000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-8" decimals="-3" id="f-1041" unitRef="usd">112962000</us-gaap:OffBalanceSheetCreditLossLiability>
    <slm:AllowanceForCreditLossExcludingAccruedInterest contextRef="c-147" decimals="-3" id="f-1042" unitRef="usd">4667000</slm:AllowanceForCreditLossExcludingAccruedInterest>
    <slm:AllowanceForCreditLossExcludingAccruedInterest contextRef="c-148" decimals="-3" id="f-1043" unitRef="usd">1448067000</slm:AllowanceForCreditLossExcludingAccruedInterest>
    <slm:AllowanceForCreditLossExcludingAccruedInterest contextRef="c-8" decimals="-3" id="f-1044" unitRef="usd">1452734000</slm:AllowanceForCreditLossExcludingAccruedInterest>
    <slm:ChargeOffsAsPercentageOfAverageLoansInRepayment
      contextRef="c-155"
      decimals="4"
      id="f-1045"
      unitRef="number">0.0023</slm:ChargeOffsAsPercentageOfAverageLoansInRepayment>
    <slm:ChargeOffsAsPercentageOfAverageLoansInRepayment
      contextRef="c-156"
      decimals="4"
      id="f-1046"
      unitRef="number">0.0244</slm:ChargeOffsAsPercentageOfAverageLoansInRepayment>
    <slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs
      contextRef="c-155"
      decimals="2"
      id="f-1047"
      unitRef="number">4.66</slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs>
    <slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs
      contextRef="c-156"
      decimals="2"
      id="f-1048"
      unitRef="number">3.57</slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs>
    <slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest
      contextRef="c-155"
      decimals="4"
      id="f-1049"
      unitRef="number">0.0087</slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest>
    <slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest
      contextRef="c-156"
      decimals="4"
      id="f-1050"
      unitRef="number">0.0589</slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest>
    <slm:AllowanceCoverageOfChargeOffsEndingLoans contextRef="c-147" decimals="-3" id="f-1051" unitRef="usd">537401000</slm:AllowanceCoverageOfChargeOffsEndingLoans>
    <slm:AllowanceCoverageOfChargeOffsEndingLoans contextRef="c-148" decimals="-3" id="f-1052" unitRef="usd">21025844000</slm:AllowanceCoverageOfChargeOffsEndingLoans>
    <slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment contextRef="c-155" decimals="-3" id="f-1053" unitRef="usd">433225000</slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment>
    <slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment contextRef="c-156" decimals="-3" id="f-1054" unitRef="usd">15310934000</slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment>
    <slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment contextRef="c-147" decimals="-3" id="f-1055" unitRef="usd">406568000</slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment>
    <slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment contextRef="c-148" decimals="-3" id="f-1056" unitRef="usd">15409814000</slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-147" decimals="-3" id="f-1057" unitRef="usd">0</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-148" decimals="-3" id="f-1058" unitRef="usd">2221077000</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:InterestReceivable contextRef="c-147" decimals="-3" id="f-1059" unitRef="usd">0</us-gaap:InterestReceivable>
    <us-gaap:InterestReceivable contextRef="c-148" decimals="-3" id="f-1060" unitRef="usd">1354565000</us-gaap:InterestReceivable>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-157" decimals="-3" id="f-1061" unitRef="usd">4077000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-158" decimals="-3" id="f-1062" unitRef="usd">1158977000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-159" decimals="-3" id="f-1063" unitRef="usd">2281000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-17" decimals="-3" id="f-1064" unitRef="usd">1165335000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments contextRef="c-160" decimals="-3" id="f-1065" unitRef="usd">0</slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments>
    <slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments contextRef="c-161" decimals="-3" id="f-1066" unitRef="usd">344310000</slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments>
    <slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments contextRef="c-162" decimals="-3" id="f-1067" unitRef="usd">0</slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments>
    <slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments contextRef="c-10" decimals="-3" id="f-1068" unitRef="usd">344310000</slm:OffBalanceSheetCreditLossLiabilityTransferFromUnfundedCommitments>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-160" decimals="-3" id="f-1069" unitRef="usd">-20000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-161" decimals="-3" id="f-1070" unitRef="usd">410254000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-162" decimals="-3" id="f-1071" unitRef="usd">3301000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-10" decimals="-3" id="f-1072" unitRef="usd">413535000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold contextRef="c-160" decimals="-3" id="f-1073" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold contextRef="c-161" decimals="-3" id="f-1074" unitRef="usd">174231000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold contextRef="c-162" decimals="-3" id="f-1075" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold contextRef="c-10" decimals="-3" id="f-1076" unitRef="usd">174231000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold>
    <us-gaap:FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal contextRef="c-160" decimals="-3" id="f-1077" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal contextRef="c-161" decimals="-3" id="f-1078" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal contextRef="c-162" decimals="-3" id="f-1079" unitRef="usd">2372000</us-gaap:FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal contextRef="c-10" decimals="-3" id="f-1080" unitRef="usd">2372000</us-gaap:FinancingReceivableExcludingAccruedInterestTransferToHeldForSaleAllowanceForCreditLossExpenseReversal>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery contextRef="c-160" decimals="-3" id="f-1081" unitRef="usd">-20000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery contextRef="c-161" decimals="-3" id="f-1082" unitRef="usd">236023000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery contextRef="c-162" decimals="-3" id="f-1083" unitRef="usd">929000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery contextRef="c-10" decimals="-3" id="f-1084" unitRef="usd">236932000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestPeriodIncreaseDecreaseBeforeWriteOffRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-160" decimals="-3" id="f-1085" unitRef="usd">613000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-161" decimals="-3" id="f-1086" unitRef="usd">427416000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-162" decimals="-3" id="f-1087" unitRef="usd">3215000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-10" decimals="-3" id="f-1088" unitRef="usd">431244000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-160" decimals="-3" id="f-1089" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-161" decimals="-3" id="f-1090" unitRef="usd">41737000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-162" decimals="-3" id="f-1091" unitRef="usd">5000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-10" decimals="-3" id="f-1092" unitRef="usd">41742000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery contextRef="c-160" decimals="-3" id="f-1093" unitRef="usd">613000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery contextRef="c-161" decimals="-3" id="f-1094" unitRef="usd">385679000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery contextRef="c-162" decimals="-3" id="f-1095" unitRef="usd">3210000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery contextRef="c-10" decimals="-3" id="f-1096" unitRef="usd">389502000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-153" decimals="-3" id="f-1097" unitRef="usd">3444000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-154" decimals="-3" id="f-1098" unitRef="usd">1353631000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-163" decimals="-3" id="f-1099" unitRef="usd">0</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-31" decimals="-3" id="f-1100" unitRef="usd">1357075000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-157" decimals="-3" id="f-1101" unitRef="usd">0</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-158" decimals="-3" id="f-1102" unitRef="usd">72713000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-159" decimals="-3" id="f-1103" unitRef="usd">0</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-17" decimals="-3" id="f-1104" unitRef="usd">72713000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-160" decimals="-3" id="f-1105" unitRef="usd">0</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-161" decimals="-3" id="f-1106" unitRef="usd">396521000</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-162" decimals="-3" id="f-1107" unitRef="usd">0</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-10" decimals="-3" id="f-1108" unitRef="usd">396521000</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-160" decimals="-3" id="f-1109" unitRef="usd">0</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-161" decimals="-3" id="f-1110" unitRef="usd">344310000</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-162" decimals="-3" id="f-1111" unitRef="usd">0</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-10" decimals="-3" id="f-1112" unitRef="usd">344310000</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-153" decimals="-3" id="f-1113" unitRef="usd">0</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-154" decimals="-3" id="f-1114" unitRef="usd">124924000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-163" decimals="-3" id="f-1115" unitRef="usd">0</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-31" decimals="-3" id="f-1116" unitRef="usd">124924000</us-gaap:OffBalanceSheetCreditLossLiability>
    <slm:AllowanceForCreditLossExcludingAccruedInterest contextRef="c-153" decimals="-3" id="f-1117" unitRef="usd">3444000</slm:AllowanceForCreditLossExcludingAccruedInterest>
    <slm:AllowanceForCreditLossExcludingAccruedInterest contextRef="c-154" decimals="-3" id="f-1118" unitRef="usd">1478555000</slm:AllowanceForCreditLossExcludingAccruedInterest>
    <slm:AllowanceForCreditLossExcludingAccruedInterest contextRef="c-163" decimals="-3" id="f-1119" unitRef="usd">0</slm:AllowanceForCreditLossExcludingAccruedInterest>
    <slm:AllowanceForCreditLossExcludingAccruedInterest contextRef="c-31" decimals="-3" id="f-1120" unitRef="usd">1481999000</slm:AllowanceForCreditLossExcludingAccruedInterest>
    <slm:ChargeOffsAsPercentageOfAverageLoansInRepayment
      contextRef="c-160"
      decimals="4"
      id="f-1121"
      unitRef="number">0.0012</slm:ChargeOffsAsPercentageOfAverageLoansInRepayment>
    <slm:ChargeOffsAsPercentageOfAverageLoansInRepayment
      contextRef="c-161"
      decimals="4"
      id="f-1122"
      unitRef="number">0.0255</slm:ChargeOffsAsPercentageOfAverageLoansInRepayment>
    <slm:ChargeOffsAsPercentageOfAverageLoansInRepayment
      contextRef="c-162"
      decimals="4"
      id="f-1123"
      unitRef="number">0</slm:ChargeOffsAsPercentageOfAverageLoansInRepayment>
    <slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs
      contextRef="c-160"
      decimals="2"
      id="f-1124"
      unitRef="number">5.62</slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs>
    <slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs
      contextRef="c-161"
      decimals="2"
      id="f-1125"
      unitRef="number">3.51</slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs>
    <slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs
      contextRef="c-162"
      decimals="2"
      id="f-1126"
      unitRef="number">0</slm:AnnualizedAllowanceOnPrivateEducationLoanCoverageOfChargeOffs>
    <slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest
      contextRef="c-160"
      decimals="4"
      id="f-1127"
      unitRef="number">0.0057</slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest>
    <slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest
      contextRef="c-161"
      decimals="4"
      id="f-1128"
      unitRef="number">0.0630</slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest>
    <slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest
      contextRef="c-162"
      decimals="4"
      id="f-1129"
      unitRef="number">0</slm:AllowanceAsPercentageOfEndingLoanBalanceAndAccruedInterest>
    <slm:AllowanceCoverageOfChargeOffsEndingLoans contextRef="c-153" decimals="-3" id="f-1130" unitRef="usd">609050000</slm:AllowanceCoverageOfChargeOffsEndingLoans>
    <slm:AllowanceCoverageOfChargeOffsEndingLoans contextRef="c-154" decimals="-3" id="f-1131" unitRef="usd">20303688000</slm:AllowanceCoverageOfChargeOffsEndingLoans>
    <slm:AllowanceCoverageOfChargeOffsEndingLoans contextRef="c-163" decimals="-3" id="f-1132" unitRef="usd">0</slm:AllowanceCoverageOfChargeOffsEndingLoans>
    <slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment contextRef="c-160" decimals="-3" id="f-1133" unitRef="usd">517139000</slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment>
    <slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment contextRef="c-161" decimals="-3" id="f-1134" unitRef="usd">15103123000</slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment>
    <slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment contextRef="c-162" decimals="-3" id="f-1135" unitRef="usd">0</slm:AllowanceCoverageOfChargeOffsAverageLoansInRepayment>
    <slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment contextRef="c-153" decimals="-3" id="f-1136" unitRef="usd">453915000</slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment>
    <slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment contextRef="c-154" decimals="-3" id="f-1137" unitRef="usd">15129550000</slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment>
    <slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment contextRef="c-163" decimals="-3" id="f-1138" unitRef="usd">0</slm:AllowanceCoverageOfChargeOffsEndingLoansInRepayment>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-153" decimals="-3" id="f-1139" unitRef="usd">0</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-154" decimals="-3" id="f-1140" unitRef="usd">1995808000</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-163" decimals="-3" id="f-1141" unitRef="usd">0</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:InterestReceivable contextRef="c-153" decimals="-3" id="f-1142" unitRef="usd">0</us-gaap:InterestReceivable>
    <us-gaap:InterestReceivable contextRef="c-154" decimals="-3" id="f-1143" unitRef="usd">1177562000</us-gaap:InterestReceivable>
    <us-gaap:InterestReceivable contextRef="c-163" decimals="-3" id="f-1144" unitRef="usd">0</us-gaap:InterestReceivable>
    <slm:FinancingReceivableCreditLossExpenseReversalNewCommitments contextRef="c-150" decimals="-3" id="f-1145" unitRef="usd">121112000</slm:FinancingReceivableCreditLossExpenseReversalNewCommitments>
    <slm:FinancingReceivableCreditLossExpenseReversalNewCommitments contextRef="c-156" decimals="-3" id="f-1146" unitRef="usd">34964000</slm:FinancingReceivableCreditLossExpenseReversalNewCommitments>
    <slm:FinancingReceivableCreditLossExpenseReversalNewCommitments contextRef="c-161" decimals="-3" id="f-1147" unitRef="usd">236023000</slm:FinancingReceivableCreditLossExpenseReversalNewCommitments>
    <slm:FinancingReceivableCreditLossExpenseReversalExistingCommitments contextRef="c-150" decimals="-3" id="f-1148" unitRef="usd">283393000</slm:FinancingReceivableCreditLossExpenseReversalExistingCommitments>
    <slm:FinancingReceivableCreditLossExpenseReversalExistingCommitments contextRef="c-156" decimals="-3" id="f-1149" unitRef="usd">308275000</slm:FinancingReceivableCreditLossExpenseReversalExistingCommitments>
    <slm:FinancingReceivableCreditLossExpenseReversalExistingCommitments contextRef="c-161" decimals="-3" id="f-1150" unitRef="usd">396521000</slm:FinancingReceivableCreditLossExpenseReversalExistingCommitments>
    <slm:FinancingReceivableCreditLossExpenseReversalCommitments contextRef="c-150" decimals="-3" id="f-1151" unitRef="usd">404505000</slm:FinancingReceivableCreditLossExpenseReversalCommitments>
    <slm:FinancingReceivableCreditLossExpenseReversalCommitments contextRef="c-156" decimals="-3" id="f-1152" unitRef="usd">343239000</slm:FinancingReceivableCreditLossExpenseReversalCommitments>
    <slm:FinancingReceivableCreditLossExpenseReversalCommitments contextRef="c-161" decimals="-3" id="f-1153" unitRef="usd">632544000</slm:FinancingReceivableCreditLossExpenseReversalCommitments>
    <slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts contextRef="c-149" decimals="-3" id="f-1154" unitRef="usd">4010000</slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts>
    <slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts contextRef="c-155" decimals="-3" id="f-1155" unitRef="usd">2224000</slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts>
    <slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts contextRef="c-160" decimals="-3" id="f-1156" unitRef="usd">-20000</slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts>
    <slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts contextRef="c-164" decimals="-3" id="f-1157" unitRef="usd">0</slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts>
    <slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts contextRef="c-114" decimals="-3" id="f-1158" unitRef="usd">0</slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts>
    <slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts contextRef="c-162" decimals="-3" id="f-1159" unitRef="usd">929000</slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts>
    <slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts contextRef="c-1" decimals="-3" id="f-1160" unitRef="usd">4010000</slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts>
    <slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts contextRef="c-9" decimals="-3" id="f-1161" unitRef="usd">2224000</slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts>
    <slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts contextRef="c-10" decimals="-3" id="f-1162" unitRef="usd">909000</slm:FinancingReceivableCreditLossExpenseReversalOtherImpacts>
    <slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-1" decimals="-3" id="f-1163" unitRef="usd">408515000</slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal>
    <slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-9" decimals="-3" id="f-1164" unitRef="usd">345463000</slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal>
    <slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-10" decimals="-3" id="f-1165" unitRef="usd">633453000</slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestCreditLossExpenseReversal>
    <slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal contextRef="c-1" decimals="-6" id="f-1166" unitRef="usd">409000000</slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal>
    <slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal contextRef="c-9" decimals="-6" id="f-1167" unitRef="usd">345000000</slm:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold contextRef="c-150" decimals="-6" id="f-1168" unitRef="usd">236000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold>
    <slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold contextRef="c-150" decimals="-7" id="f-1169" unitRef="usd">3690000000</slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold contextRef="c-156" decimals="-6" id="f-1170" unitRef="usd">205000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossLoanSold>
    <slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold contextRef="c-156" decimals="-7" id="f-1171" unitRef="usd">3150000000</slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold>
    <slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold contextRef="c-161" decimals="-7" id="f-1172" unitRef="usd">3340000000</slm:FinancingReceivableAndOffBalanceSheetExcludingAccruedInterestBeforeAllowanceForCreditLossLoanSold>
    <slm:CriteriaForLoansToBeConsideredAsNonperforming contextRef="c-1" id="f-1173">P90D</slm:CriteriaForLoansToBeConsideredAsNonperforming>
    <slm:TierOneofGovernmentGuarantee contextRef="c-7" decimals="2" id="f-1174" unitRef="number">0.97</slm:TierOneofGovernmentGuarantee>
    <slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted contextRef="c-132" id="f-1176">P2M</slm:FinancingReceivableIncrementsInWhichForbearanceIsGranted>
    <slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan contextRef="c-1" id="f-1177">P12M</slm:FinancingReceivableMonthLimitOnForbearanceGrantedLifeOfLoan>
    <slm:FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants
      contextRef="c-1"
      decimals="INF"
      id="f-1178"
      unitRef="payment">12</slm:FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants>
    <slm:FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants
      contextRef="c-1"
      decimals="INF"
      id="f-1179"
      unitRef="payment">12</slm:FinancingReceivableNumberOfMonthlyPaymentsRequiredBetweenForbearanceGrants>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated contextRef="c-165" decimals="-5" id="f-1180" unitRef="usd">7300000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent
      contextRef="c-166"
      decimals="4"
      id="f-1181"
      unitRef="number">0.0003</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent>
    <us-gaap:FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification contextRef="c-166" id="f-1182">P6Y8M12D</us-gaap:FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated contextRef="c-167" decimals="-5" id="f-1183" unitRef="usd">6000000.0</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated contextRef="c-168" decimals="-5" id="f-1184" unitRef="usd">600000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated contextRef="c-169" decimals="-5" id="f-1185" unitRef="usd">400000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated contextRef="c-170" decimals="-5" id="f-1186" unitRef="usd">300000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated>
    <us-gaap:FinancingReceivableModificationsRecordedInvestment contextRef="c-165" decimals="-5" id="f-1187" unitRef="usd">2500000</us-gaap:FinancingReceivableModificationsRecordedInvestment>
    <us-gaap:FinancingReceivableModificationsRecordedInvestment contextRef="c-171" decimals="-5" id="f-1188" unitRef="usd">2000000.0</us-gaap:FinancingReceivableModificationsRecordedInvestment>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-166" decimals="-5" id="f-1189" unitRef="usd">600000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <slm:FinancingReceivablesAmortizedCostBasisTableTextBlock contextRef="c-1" id="f-1190">&lt;div style="margin-bottom:12pt;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 show the amortized cost basis at the end of the respective reporting periods of the loans to borrowers experiencing financial difficulty that were modified during the period, disaggregated by class of financing receivable and type of modification. When we approve a Private Education Loan at the beginning of an academic year, we do not always disburse the full amount of the loan at the time of 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 consider borrowers to be in financial difficulty after they have exited school and have difficulty making their scheduled principal and interest payments. The increase in loan modifications during the year ended December 31, 2024 compared to the year-ago period is primarily due to additional modification programs implemented in the fourth quarter of 2023 and subsequent refinements to those programs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt;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;       &lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:83.472%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.177%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.207%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.207%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.297%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.207%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Loan Modifications Made to Borrowers Experiencing Financial Difficulty&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:7pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2024&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Combination - Interest Rate Reduction and Term Extension&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Loan Type:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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 Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;% of Total Class of Financing Receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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 Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;% of Total Class of Financing Receivable&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&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;31,966&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;0.13&#160;&lt;/span&gt;&lt;/td&gt;&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,003,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;31,966&#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&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&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;0.13&#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&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;1,003,089&#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&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&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;4.20&#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="margin-bottom:12pt;margin-top:6pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:12pt;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:83.472%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.177%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.207%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.207%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.297%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.207%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.212%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Loan Modifications Made to Borrowers Experiencing Financial Difficulty&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:7pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Combination - Interest Rate Reduction and Term Extension&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Loan Type:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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 Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;% of Total Class of Financing Receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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 Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;% of Total Class of Financing Receivable&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&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;48,637&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;0.22&#160;&lt;/span&gt;&lt;/td&gt;&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;331,889&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1.48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;48,637&#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&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&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;0.22&#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&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;331,889&#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&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&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;1.48&#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;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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;The following tables describe the financial effect of the modifications made to loans whose borrowers are experiencing financial difficulty: &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 style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.527%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.000%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.558%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.634%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.558%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.572%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.558%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.120%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="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;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="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;Combination - Interest Rate &lt;br/&gt;Reduction and Term Extension&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Loan Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Financial Effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Loan Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Financial Effect&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;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;Reduced average contractual rate from 13.22% to 3.79%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;Added a weighted average 9.23 years to the life of loans&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:100%"&gt;Reduced average contractual rate from 12.71% to 3.66%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.527%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.000%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.558%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.634%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.558%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.572%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.558%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.120%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="9" style="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;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="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;Combination - Interest Rate &lt;br/&gt;Reduction and Term Extension&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Loan Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Financial Effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Loan Type&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Financial Effect&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;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;Reduced average contractual rate from 13.37% to 4.00%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;Added a weighted average 10.20 years to the life of loans&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:100%"&gt;Reduced average contractual rate from 12.92% to 4.00%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</slm:FinancingReceivablesAmortizedCostBasisTableTextBlock>
    <slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost contextRef="c-172" decimals="-3" id="f-1191" unitRef="usd">31966000</slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost>
    <slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage
      contextRef="c-172"
      decimals="4"
      id="f-1192"
      unitRef="number">0.0013</slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage>
    <slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost contextRef="c-173" decimals="-3" id="f-1193" unitRef="usd">1003089000</slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost>
    <slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage
      contextRef="c-173"
      decimals="4"
      id="f-1194"
      unitRef="number">0.0420</slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage>
    <slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost contextRef="c-174" decimals="-3" id="f-1195" unitRef="usd">31966000</slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost>
    <slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage
      contextRef="c-174"
      decimals="4"
      id="f-1196"
      unitRef="number">0.0013</slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage>
    <slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost contextRef="c-175" decimals="-3" id="f-1197" unitRef="usd">1003089000</slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost>
    <slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage
      contextRef="c-175"
      decimals="4"
      id="f-1198"
      unitRef="number">0.0420</slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage>
    <slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost contextRef="c-176" decimals="-3" id="f-1199" unitRef="usd">48637000</slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost>
    <slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage
      contextRef="c-176"
      decimals="4"
      id="f-1200"
      unitRef="number">0.0022</slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage>
    <slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost contextRef="c-177" decimals="-3" id="f-1201" unitRef="usd">331889000</slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost>
    <slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage
      contextRef="c-177"
      decimals="4"
      id="f-1202"
      unitRef="number">0.0148</slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage>
    <slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost contextRef="c-178" decimals="-3" id="f-1203" unitRef="usd">48637000</slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost>
    <slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage
      contextRef="c-178"
      decimals="4"
      id="f-1204"
      unitRef="number">0.0022</slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage>
    <slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost contextRef="c-179" decimals="-3" id="f-1205" unitRef="usd">331889000</slm:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossesLoanModificationsAmortizedCost>
    <slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage
      contextRef="c-179"
      decimals="4"
      id="f-1206"
      unitRef="number">0.0148</slm:LoanModificationsMadeToBorrowersExperiencingFinancialDifficultyPercentage>
    <slm:FinancingReceivableChangeInContractualRate
      contextRef="c-180"
      decimals="4"
      id="f-1207"
      unitRef="number">0.1322</slm:FinancingReceivableChangeInContractualRate>
    <slm:FinancingReceivableChangeInContractualRate
      contextRef="c-181"
      decimals="4"
      id="f-1208"
      unitRef="number">0.0379</slm:FinancingReceivableChangeInContractualRate>
    <slm:WeightedAverageLifeOfLoans contextRef="c-173" id="f-1209">P9Y2M23D</slm:WeightedAverageLifeOfLoans>
    <slm:FinancingReceivableChangeInContractualRate
      contextRef="c-182"
      decimals="4"
      id="f-1210"
      unitRef="number">0.1271</slm:FinancingReceivableChangeInContractualRate>
    <slm:FinancingReceivableChangeInContractualRate
      contextRef="c-183"
      decimals="4"
      id="f-1211"
      unitRef="number">0.0366</slm:FinancingReceivableChangeInContractualRate>
    <slm:FinancingReceivableChangeInContractualRate
      contextRef="c-184"
      decimals="4"
      id="f-1212"
      unitRef="number">0.1337</slm:FinancingReceivableChangeInContractualRate>
    <slm:FinancingReceivableChangeInContractualRate
      contextRef="c-185"
      decimals="4"
      id="f-1213"
      unitRef="number">0.0400</slm:FinancingReceivableChangeInContractualRate>
    <slm:WeightedAverageLifeOfLoans contextRef="c-177" id="f-1214">P10Y2M12D</slm:WeightedAverageLifeOfLoans>
    <slm:FinancingReceivableChangeInContractualRate
      contextRef="c-186"
      decimals="4"
      id="f-1215"
      unitRef="number">0.1292</slm:FinancingReceivableChangeInContractualRate>
    <slm:FinancingReceivableChangeInContractualRate
      contextRef="c-187"
      decimals="4"
      id="f-1216"
      unitRef="number">0.0400</slm:FinancingReceivableChangeInContractualRate>
    <slm:ThresholdPeriodPastDueForWriteOffOfFinancingReceivable contextRef="c-150" id="f-1217">P120D</slm:ThresholdPeriodPastDueForWriteOffOfFinancingReceivable>
    <slm:FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount contextRef="c-150" decimals="-5" id="f-1218" unitRef="usd">40400000</slm:FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount>
    <us-gaap:FinancingReceivableModifiedSubsequentDefaultTableTextBlock contextRef="c-1" id="f-1219">The following two tables do not include loans that received a permanent term extension with no interest rate reduction during the fourth quarter of 2023, which are described earlier in this Note 6.&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:82.638%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.824%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.866%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.866%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.144%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.866%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.976%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.870%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023 &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:7pt;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&gt;&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;Defaulted Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Period-end Amortized Cost Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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;Defaulted Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Period-end Amortized Cost Basis&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;Loan Type:&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;6,460&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;4,521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,174&#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&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;Combination - Interest Rate Reduction and Term Extension&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;143,300&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;114,307&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;26,341&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;24,798&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;149,760&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;118,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;30,862&#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&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&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;28,972&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FinancingReceivableModifiedSubsequentDefaultTableTextBlock>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-188" decimals="-3" id="f-1220" unitRef="usd">6460000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 contextRef="c-188" decimals="-3" id="f-1221" unitRef="usd">4621000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-189" decimals="-3" id="f-1222" unitRef="usd">4521000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 contextRef="c-189" decimals="-3" id="f-1223" unitRef="usd">4174000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-190" decimals="-3" id="f-1224" unitRef="usd">143300000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 contextRef="c-190" decimals="-3" id="f-1225" unitRef="usd">114307000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-191" decimals="-3" id="f-1226" unitRef="usd">26341000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 contextRef="c-191" decimals="-3" id="f-1227" unitRef="usd">24798000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-192" decimals="-3" id="f-1228" unitRef="usd">149760000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 contextRef="c-192" decimals="-3" id="f-1229" unitRef="usd">118928000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-193" decimals="-3" id="f-1230" unitRef="usd">30862000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1 contextRef="c-193" decimals="-3" id="f-1231" unitRef="usd">28972000</us-gaap:FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1>
    <us-gaap:PastDueFinancingReceivablesTableTextBlock contextRef="c-1" id="f-1232">The following table depicts the performance of loans that have been modified during the respective reporting periods (the twelve months ended December 31, 2024 and 2023, respectively).&lt;div style="margin-top:6pt;text-indent:24.75pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:81.805%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:41.514%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.686%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.349%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.275%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.648%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.349%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.279%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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:8pt;font-weight:700;line-height:100%"&gt;Twelve Months Ended&lt;br/&gt;December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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:8pt;font-weight:700;line-height:100%"&gt;Twelve Months Ended&lt;br/&gt;December 31, 2023&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:7pt;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&gt;&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;Balance&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:#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="padding:0 1pt"&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;Balance&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:#000000;font-family:'Arial',sans-serif;font-size:8pt;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;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:9pt;font-weight:700;line-height:100%"&gt;Payment Status (Amortized Cost Basis)&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)&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;:&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Loan modifications in 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;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;33,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6,843&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Loan modifications in repayment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;div style="padding-left:6pt"&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;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)(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;826,007&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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:#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;334,967&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;90&#160;&lt;/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="padding-left:6pt"&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;(3)(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;77,446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17,205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&#160;&lt;/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;div style="padding-left:6pt"&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;(3)(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;43,484&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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: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="padding-left:6pt"&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;(3)(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;54,473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;13,822&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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;Total loan modifications in repayment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,001,410&#160;&lt;/span&gt;&lt;/td&gt;&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&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&#160;&lt;/span&gt;&lt;/td&gt;&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&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;373,683&#160;&lt;/span&gt;&lt;/td&gt;&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&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&#160;&lt;/span&gt;&lt;/td&gt;&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:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Private Education Loan modifications&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,035,055&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;380,526&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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:72pt;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;Loans that were both modified and subsequently charged-off during the twelve months ended December 31, 2024 and 2023 are excluded from the table and had an amortized cost basis of $40.4&#160;million and $8.4&#160;million, respectively. Additionally, loans that received a permanent term extension with no interest rate reduction during the fourth quarter of 2023 are excluded from the table.&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: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;Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make full principal and interest payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation). Deferment also includes loans that have entered a forbearance after the loan modification was granted.&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:7pt;font-weight:400;line-height:120%"&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:9.45pt"&gt;Represents loans in repayment, which include 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:7pt;font-weight:400;line-height:120%"&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:9.45pt"&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: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 approval/first disbursement. 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). &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;text-indent:22.5pt"&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&gt;&lt;td style="width:25.062%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.202%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.202%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.202%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.056%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.056%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.638%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.962%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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 Approval 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, 2024&lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:7pt;font-weight:700;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:700;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&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&gt;&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 and Prior&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ededee;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;2,164,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,817,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;748,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;355,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;184,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;452,236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,722,827&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,984&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;124,728&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;87,961&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;52,686&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;31,575&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;88,496&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;405,430&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Loans in repayment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,820,940&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;3,312,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,259,455&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,590,812&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,107,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,422,021&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;15,513,333&#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;/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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;13,533&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;36,441&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;45,543&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;35,245&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;27,302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;152,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;310,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;15,239&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;23,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;18,365&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;10,921&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;68,878&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;140,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,683&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;14,481&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;20,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;17,080&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;12,632&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;75,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;141,935&#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&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&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;2,840,129&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;3,379,077&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2,348,504&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,661,502&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,158,044&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;4,719,495&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;16,106,751&#160;&lt;/span&gt;&lt;/td&gt;&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&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,024,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,321,510&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;3,185,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,069,436&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,373,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,260,227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;22,235,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;47,659&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;25,599&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;10,788&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;6,142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,057&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;8,825&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;103,070&#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&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&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;5,072,251&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,347,109&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,196,035&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,075,578&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,378,053&#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:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,269,052&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;22,338,078&#160;&lt;/span&gt;&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&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(258,235)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(326,207)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(234,532)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(150,324)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(90,600)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(376,022)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(1,435,920)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,814,016&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,020,902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,961,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,925,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,287,453&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,893,030&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;20,902,158&#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&gt;&lt;/tr&gt;&lt;tr style="height:6pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;56.5&#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;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;63.5&#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;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;73.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;80.3&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;84.3&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;89.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.7&#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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.0&#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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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:#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.4&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6.3&#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;span style="color:#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.6&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.6&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.1&#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: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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.8&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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="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&gt;&lt;td style="width:24.836%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.808%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.121%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.718%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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 Approval 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, 2023 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:7pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:700;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&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&gt;&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&gt;&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 and Prior&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ededee;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;1,976,040&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,672,333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;669,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;307,781&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;213,593&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;452,994&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,291,991&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;19,265&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;93,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;58,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;35,450&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;31,818&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;85,989&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;324,039&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,469,817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;3,254,534&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,131,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,416,069&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,323,825&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,213,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;14,809,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;17,599&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;34,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;37,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;28,020&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;31,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;149,926&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;298,751&#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&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;17,227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;20,077&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;16,614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;15,482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;75,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;151,017&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;16,939&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;21,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;15,155&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;16,150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;79,383&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;150,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&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;2,494,814&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;3,323,327&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2,209,734&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,475,858&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,386,889&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;4,519,192&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;15,409,814&#160;&lt;/span&gt;&lt;/td&gt;&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&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,490,119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,088,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,937,422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,819,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,632,300&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,058,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;21,025,844&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;35,616&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;18,556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;9,465&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,809&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;3,556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;8,552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;81,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Total Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,525,735&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,107,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,946,887&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,824,898&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,635,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,066,727&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;21,107,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(269,642)&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(335,090)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(194,104)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(118,755)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(100,111)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(317,403)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(1,335,105)&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,256,093&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,772,205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,752,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,706,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,535,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,749,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;19,772,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;55.6&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;65.3&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;75.2&#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;span style="color:#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;81.1&#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: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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;85.0&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;89.3&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;73.3&#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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.0&#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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.6&#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;span style="color:#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4.5&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6.8&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.9&#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: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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.6&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.2&#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;span style="color:#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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;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:95.416%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.100%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.818%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.215%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.215%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.215%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.215%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.215%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.215%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.964%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.808%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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 Approval 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, 2022 &lt;br/&gt;(dollars in thousands)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:7pt;font-weight:700;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&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&gt;&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&gt;&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&gt;&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 and Prior&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ededee;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;1,827,649&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,433,322&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;578,253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;380,639&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;219,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;455,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,895,053&#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;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;16,046&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;64,360&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;38,613&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;37,802&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;30,583&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;91,681&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;279,085&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,411,441&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,991,839&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,907,574&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,683,986&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,301,809&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,262,698&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;14,559,347&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;14,164&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;30,740&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;30,877&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;35,213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;31,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;144,948&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;287,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;15,056&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;14,433&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;18,201&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;16,697&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;77,595&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;147,505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,710&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;11,842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;14,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;16,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;16,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;74,040&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;135,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&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;2,432,838&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;3,049,477&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,967,756&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,754,219&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,365,979&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;4,559,281&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;15,129,550&#160;&lt;/span&gt;&lt;/td&gt;&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&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,276,533&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,547,159&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,584,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,172,660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,615,842&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,106,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;20,303,688&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;26,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;15,933&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;9,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,496&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;3,575&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;8,876&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;69,656&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Total Private Education Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,303,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,563,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,593,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,178,156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;1,619,417&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,115,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;20,373,344&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(304,943)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(323,506)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(181,915)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(141,424)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(101,023)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(300,820)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;(1,353,631)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,998,304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,239,586&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,411,769&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,036,732&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,518,394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,814,928&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;19,019,713&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;56.9&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;67.1&#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: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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;76.1&#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: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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;80.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;84.5&#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;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;89.3&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;74.5&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3.1&#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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;6.5&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;0.7&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.2&#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;span style="color:#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2.0&#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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1.8&#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;/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;</us-gaap:PastDueFinancingReceivablesTableTextBlock>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-194" decimals="-3" id="f-1233" unitRef="usd">33645000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-195" decimals="-3" id="f-1234" unitRef="usd">6843000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-196" decimals="-3" id="f-1235" unitRef="usd">826007000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent
      contextRef="c-196"
      decimals="2"
      id="f-1236"
      unitRef="number">0.83</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-197" decimals="-3" id="f-1237" unitRef="usd">334967000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent
      contextRef="c-197"
      decimals="2"
      id="f-1238"
      unitRef="number">0.90</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-198" decimals="-3" id="f-1239" unitRef="usd">77446000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent
      contextRef="c-198"
      decimals="2"
      id="f-1240"
      unitRef="number">0.08</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-199" decimals="-3" id="f-1241" unitRef="usd">17205000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent
      contextRef="c-199"
      decimals="2"
      id="f-1242"
      unitRef="number">0.04</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-200" decimals="-3" id="f-1243" unitRef="usd">43484000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent
      contextRef="c-200"
      decimals="2"
      id="f-1244"
      unitRef="number">0.04</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-201" decimals="-3" id="f-1245" unitRef="usd">7689000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent
      contextRef="c-201"
      decimals="2"
      id="f-1246"
      unitRef="number">0.02</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-202" decimals="-3" id="f-1247" unitRef="usd">54473000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent
      contextRef="c-202"
      decimals="2"
      id="f-1248"
      unitRef="number">0.05</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-203" decimals="-3" id="f-1249" unitRef="usd">13822000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent
      contextRef="c-203"
      decimals="2"
      id="f-1250"
      unitRef="number">0.04</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-1" decimals="-3" id="f-1251" unitRef="usd">1001410000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent
      contextRef="c-1"
      decimals="INF"
      id="f-1252"
      unitRef="number">1</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-9" decimals="-3" id="f-1253" unitRef="usd">373683000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent
      contextRef="c-9"
      decimals="INF"
      id="f-1254"
      unitRef="number">1</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesPercent>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-150" decimals="-3" id="f-1255" unitRef="usd">1035055000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-156" decimals="-3" id="f-1256" unitRef="usd">380526000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <slm:FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount contextRef="c-1" decimals="-5" id="f-1257" unitRef="usd">40400000</slm:FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount>
    <slm:FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount contextRef="c-9" decimals="-5" id="f-1258" unitRef="usd">8400000</slm:FinancingReceivableModifiedInPeriodSubsequentlyChargedOffAmount>
    <us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock contextRef="c-1" id="f-1259">The following tables highlight the gross principal balance of our Private Education Loan portfolio (held for investment), by year of origination approval/first disbursement, stratified by key credit quality indicators. &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:92.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.969%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.550%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.659%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.059%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.052%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.560%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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;As of December 31, 2024 &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&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Year of Origination Approval&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&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&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;2023&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&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;2022&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&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&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&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;2019 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&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&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Cosigners:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;With cosigner&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;4,519,952&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,707,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,741,871&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,759,261&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,151,751&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;4,642,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;19,522,539&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&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;504,640&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;613,825&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;443,376&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;310,175&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;222,245&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;618,208&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,712,469&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;/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;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,024,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,321,510&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,185,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,069,436&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,373,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,260,227&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;22,235,008&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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;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 Approval&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;293,025&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;394,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;261,589&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;155,661&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;94,355&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;475,186&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,674,778&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;8&#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&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;615,617&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;753,548&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;449,214&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;285,181&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;197,205&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;898,535&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;3,199,300&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;14&#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&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&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;1,525,547&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,641,641&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;998,834&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;660,373&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;451,695&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,782,121&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;7,060,211&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;32&#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&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&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;2,590,403&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,531,359&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,475,610&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;968,221&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;630,741&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,104,385&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;10,300,719&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;46&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,024,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,321,510&#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:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,185,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,069,436&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,373,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,260,227&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;22,235,008&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;453,705&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;666,049&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;467,562&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;301,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;194,124&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;831,053&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,913,860&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;13&#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&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;633,749&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;710,546&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;409,808&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;248,325&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;138,730&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;578,639&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,719,797&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;/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;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,485,771&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,512,643&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;879,450&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;563,941&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;362,715&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,398,737&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;6,203,257&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;28&#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&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&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;2,451,367&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,432,272&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,428,427&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;955,803&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;678,427&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,451,798&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;10,398,094&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;47&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,024,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,321,510&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,185,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,069,436&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,373,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,260,227&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;22,235,008&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1-12 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,860,113&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;774,471&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;499,812&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;280,154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;159,762&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;324,506&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,898,818&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,729,334&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;372,496&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;191,989&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;122,938&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;340,556&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;3,757,313&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;/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;25-36 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,564,157&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;254,068&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;110,952&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;429,127&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,358,304&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;11&#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&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&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;987,977&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;170,051&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;451,494&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,609,522&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;7&#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&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;625,916&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;3,262,308&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;3,888,224&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;17&#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&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&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;2,164,479&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,817,705&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;748,782&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;355,248&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;184,377&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;452,236&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;5,722,827&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;26&#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&gt;&lt;/tr&gt;&lt;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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,024,592&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,321,510&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,185,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,069,436&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,373,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;5,260,227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;22,235,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2024 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&gt;&lt;td style="background-color:#ededee;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;(1,826)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(29,094)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(68,454)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(53,697)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(37,318)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(186,451)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(376,840)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2024 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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;117&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;6,487&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;3,840&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;26,350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;44,756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2024 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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,709)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(26,903)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(61,967)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(47,926)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(33,478)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(160,101)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;(332,084)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;Total accrued interest by origination approval vintage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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;195,291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;484,531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;325,962&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;197,504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;106,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;239,562&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,549,415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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 2024.&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, 2024 through December 31, 2024.&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;/td&gt;&lt;/tr&gt;&lt;tr style="height:26pt"&gt;&lt;td colspan="51" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&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:92.500%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.969%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.550%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.659%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.851%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.059%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.052%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.560%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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;As of December 31, 2023 &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&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Year of Origination Approval&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2023&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&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;2022&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&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&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&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&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 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&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&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Cosigners:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;With cosigner&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;3,903,676&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,428,163&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,516,380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,535,308&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,378,699&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;4,529,768&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;18,291,994&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;87&#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&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;586,443&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;660,576&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;421,042&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;283,781&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;253,601&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;528,407&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,733,850&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;13&#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&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&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;4,490,119&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,088,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,937,422&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,819,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,632,300&#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:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,058,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;21,025,844&#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:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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;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 Approval&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;328,199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;395,526&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;208,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;118,935&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;137,494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;451,613&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,640,463&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;8&#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&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;635,642&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;704,642&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;400,744&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;254,762&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;257,840&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;868,777&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;3,122,407&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;/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;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,383,779&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,586,783&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;934,033&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;590,401&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;545,333&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,709,299&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;6,749,628&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;32&#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&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&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;2,142,499&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,401,788&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,393,949&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;854,991&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;691,633&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,028,486&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;9,513,346&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;/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;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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;4,490,119&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,088,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,937,422&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,819,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,632,300&#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:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,058,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;21,025,844&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;Less than 670&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;495,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;638,381&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;379,738&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;217,956&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;214,665&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;791,875&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,738,066&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;13&#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&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;616,684&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;672,777&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;365,674&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;193,462&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;176,963&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;564,245&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,589,805&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;/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;700-749&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,347,094&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,477,310&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;836,747&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;498,414&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;445,244&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,361,073&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;5,965,882&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;28&#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&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&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;2,030,890&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,300,271&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,355,263&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;909,257&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;795,428&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,340,982&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;9,732,091&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;47&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-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&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;4,490,119&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,088,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,937,422&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,819,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,632,300&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,058,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;21,025,844&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1-12 payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2,514,079&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;740,450&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;440,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;245,631&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;208,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;332,608&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;4,482,002&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;21&#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&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,675,956&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;303,045&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;167,532&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;165,577&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;384,760&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;3,696,870&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;18&#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&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;1,524,834&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;195,091&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;129,571&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;456,448&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,305,944&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;11&#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&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&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;902,938&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;208,521&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;446,350&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,557,809&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;7&#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&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;116&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;706,097&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;2,985,015&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;3,691,228&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;18&#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&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&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;1,976,040&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;1,672,333&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;669,250&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;307,781&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;213,593&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;452,994&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;5,291,991&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;/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;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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;4,490,119&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,088,739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;2,937,422&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;1,819,089&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;1,632,300&#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:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;5,058,175&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;21,025,844&#160;&lt;/span&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2023 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&gt;&lt;td style="background-color:#ededee;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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(1,812)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(31,032)&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(70,331)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(49,624)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(50,585)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(216,711)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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;(420,095)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2023 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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;2,342&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;6,496&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;4,923&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;5,260&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;27,175&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;46,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;2023 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&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;(1,640)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(28,690)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(63,835)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(44,701)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(45,325)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;(189,536)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;(373,727)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Total accrued interest by origination approval vintage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;177,959&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;408,800&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;269,978&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;152,094&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:7pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;116,618&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:100%"&gt;$&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;229,116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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: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;1,354,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="51" style="padding:2px 1pt;text-align:left;vertical-align:middle"&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 2023.&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, 2023 through December 31, 2023.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-204" decimals="-3" id="f-1260" unitRef="usd">4519952000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-204" decimals="-3" id="f-1261" unitRef="usd">4707685000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-204" decimals="-3" id="f-1262" unitRef="usd">2741871000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-204" decimals="-3" id="f-1263" unitRef="usd">1759261000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-204" decimals="-3" id="f-1264" unitRef="usd">1151751000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-204" decimals="-3" id="f-1265" unitRef="usd">4642019000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-204" decimals="-3" id="f-1266" unitRef="usd">19522539000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PercentOfPrivateLoans
      contextRef="c-204"
      decimals="2"
      id="f-1267"
      unitRef="number">0.88</slm:PercentOfPrivateLoans>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-205" decimals="-3" id="f-1268" unitRef="usd">504640000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-205" decimals="-3" id="f-1269" unitRef="usd">613825000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-205" decimals="-3" id="f-1270" unitRef="usd">443376000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-205" decimals="-3" id="f-1271" unitRef="usd">310175000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-205" decimals="-3" id="f-1272" unitRef="usd">222245000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-205" decimals="-3" id="f-1273" unitRef="usd">618208000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-205" decimals="-3" id="f-1274" unitRef="usd">2712469000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PercentOfPrivateLoans
      contextRef="c-205"
      decimals="2"
      id="f-1275"
      unitRef="number">0.12</slm:PercentOfPrivateLoans>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-206" decimals="-3" id="f-1276" unitRef="usd">5024592000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-206" decimals="-3" id="f-1277" unitRef="usd">5321510000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-206" decimals="-3" id="f-1278" unitRef="usd">3185247000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-206" decimals="-3" id="f-1279" unitRef="usd">2069436000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-206" decimals="-3" id="f-1280" unitRef="usd">1373996000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-206" decimals="-3" id="f-1281" unitRef="usd">5260227000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-206" decimals="-3" id="f-1282" unitRef="usd">22235008000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansGrossPercentage
      contextRef="c-206"
      decimals="INF"
      id="f-1283"
      unitRef="number">1</slm:PrivateEducationLoansGrossPercentage>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-207" decimals="-3" id="f-1284" unitRef="usd">293025000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-207" decimals="-3" id="f-1285" unitRef="usd">394962000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-207" decimals="-3" id="f-1286" unitRef="usd">261589000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-207" decimals="-3" id="f-1287" unitRef="usd">155661000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-207" decimals="-3" id="f-1288" unitRef="usd">94355000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-207" decimals="-3" id="f-1289" unitRef="usd">475186000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-207" decimals="-3" id="f-1290" unitRef="usd">1674778000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-207"
      decimals="2"
      id="f-1291"
      unitRef="number">0.08</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-208" decimals="-3" id="f-1292" unitRef="usd">615617000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-208" decimals="-3" id="f-1293" unitRef="usd">753548000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-208" decimals="-3" id="f-1294" unitRef="usd">449214000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-208" decimals="-3" id="f-1295" unitRef="usd">285181000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-208" decimals="-3" id="f-1296" unitRef="usd">197205000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-208" decimals="-3" id="f-1297" unitRef="usd">898535000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-208" decimals="-3" id="f-1298" unitRef="usd">3199300000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-208"
      decimals="2"
      id="f-1299"
      unitRef="number">0.14</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-209" decimals="-3" id="f-1300" unitRef="usd">1525547000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-209" decimals="-3" id="f-1301" unitRef="usd">1641641000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-209" decimals="-3" id="f-1302" unitRef="usd">998834000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-209" decimals="-3" id="f-1303" unitRef="usd">660373000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-209" decimals="-3" id="f-1304" unitRef="usd">451695000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-209" decimals="-3" id="f-1305" unitRef="usd">1782121000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-209" decimals="-3" id="f-1306" unitRef="usd">7060211000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-209"
      decimals="2"
      id="f-1307"
      unitRef="number">0.32</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-210" decimals="-3" id="f-1308" unitRef="usd">2590403000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-210" decimals="-3" id="f-1309" unitRef="usd">2531359000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-210" decimals="-3" id="f-1310" unitRef="usd">1475610000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-210" decimals="-3" id="f-1311" unitRef="usd">968221000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-210" decimals="-3" id="f-1312" unitRef="usd">630741000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-210" decimals="-3" id="f-1313" unitRef="usd">2104385000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-210" decimals="-3" id="f-1314" unitRef="usd">10300719000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-210"
      decimals="2"
      id="f-1315"
      unitRef="number">0.46</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-211" decimals="-3" id="f-1316" unitRef="usd">5024592000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-211" decimals="-3" id="f-1317" unitRef="usd">5321510000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-211" decimals="-3" id="f-1318" unitRef="usd">3185247000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-211" decimals="-3" id="f-1319" unitRef="usd">2069436000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-211" decimals="-3" id="f-1320" unitRef="usd">1373996000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-211" decimals="-3" id="f-1321" unitRef="usd">5260227000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-211" decimals="-3" id="f-1322" unitRef="usd">22235008000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansGrossPercentage
      contextRef="c-211"
      decimals="INF"
      id="f-1323"
      unitRef="number">1</slm:PrivateEducationLoansGrossPercentage>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-212" decimals="-3" id="f-1324" unitRef="usd">453705000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-212" decimals="-3" id="f-1325" unitRef="usd">666049000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-212" decimals="-3" id="f-1326" unitRef="usd">467562000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-212" decimals="-3" id="f-1327" unitRef="usd">301367000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-212" decimals="-3" id="f-1328" unitRef="usd">194124000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-212" decimals="-3" id="f-1329" unitRef="usd">831053000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-212" decimals="-3" id="f-1330" unitRef="usd">2913860000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-212"
      decimals="2"
      id="f-1331"
      unitRef="number">0.13</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-213" decimals="-3" id="f-1332" unitRef="usd">633749000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-213" decimals="-3" id="f-1333" unitRef="usd">710546000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-213" decimals="-3" id="f-1334" unitRef="usd">409808000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-213" decimals="-3" id="f-1335" unitRef="usd">248325000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-213" decimals="-3" id="f-1336" unitRef="usd">138730000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-213" decimals="-3" id="f-1337" unitRef="usd">578639000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-213" decimals="-3" id="f-1338" unitRef="usd">2719797000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-213"
      decimals="2"
      id="f-1339"
      unitRef="number">0.12</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-214" decimals="-3" id="f-1340" unitRef="usd">1485771000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-214" decimals="-3" id="f-1341" unitRef="usd">1512643000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-214" decimals="-3" id="f-1342" unitRef="usd">879450000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-214" decimals="-3" id="f-1343" unitRef="usd">563941000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-214" decimals="-3" id="f-1344" unitRef="usd">362715000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-214" decimals="-3" id="f-1345" unitRef="usd">1398737000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-214" decimals="-3" id="f-1346" unitRef="usd">6203257000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-214"
      decimals="2"
      id="f-1347"
      unitRef="number">0.28</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-215" decimals="-3" id="f-1348" unitRef="usd">2451367000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-215" decimals="-3" id="f-1349" unitRef="usd">2432272000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-215" decimals="-3" id="f-1350" unitRef="usd">1428427000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-215" decimals="-3" id="f-1351" unitRef="usd">955803000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-215" decimals="-3" id="f-1352" unitRef="usd">678427000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-215" decimals="-3" id="f-1353" unitRef="usd">2451798000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-215" decimals="-3" id="f-1354" unitRef="usd">10398094000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-215"
      decimals="2"
      id="f-1355"
      unitRef="number">0.47</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-216" decimals="-3" id="f-1356" unitRef="usd">5024592000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-216" decimals="-3" id="f-1357" unitRef="usd">5321510000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-216" decimals="-3" id="f-1358" unitRef="usd">3185247000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-216" decimals="-3" id="f-1359" unitRef="usd">2069436000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-216" decimals="-3" id="f-1360" unitRef="usd">1373996000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-216" decimals="-3" id="f-1361" unitRef="usd">5260227000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-216" decimals="-3" id="f-1362" unitRef="usd">22235008000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansGrossPercentage
      contextRef="c-216"
      decimals="INF"
      id="f-1363"
      unitRef="number">1</slm:PrivateEducationLoansGrossPercentage>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-217" decimals="-3" id="f-1364" unitRef="usd">2860113000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-217" decimals="-3" id="f-1365" unitRef="usd">774471000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-217" decimals="-3" id="f-1366" unitRef="usd">499812000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-217" decimals="-3" id="f-1367" unitRef="usd">280154000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-217" decimals="-3" id="f-1368" unitRef="usd">159762000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-217" decimals="-3" id="f-1369" unitRef="usd">324506000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-217" decimals="-3" id="f-1370" unitRef="usd">4898818000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent
      contextRef="c-217"
      decimals="2"
      id="f-1371"
      unitRef="number">0.22</slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-218" decimals="-3" id="f-1372" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-218" decimals="-3" id="f-1373" unitRef="usd">2729334000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-218" decimals="-3" id="f-1374" unitRef="usd">372496000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-218" decimals="-3" id="f-1375" unitRef="usd">191989000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-218" decimals="-3" id="f-1376" unitRef="usd">122938000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-218" decimals="-3" id="f-1377" unitRef="usd">340556000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-218" decimals="-3" id="f-1378" unitRef="usd">3757313000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent
      contextRef="c-218"
      decimals="2"
      id="f-1379"
      unitRef="number">0.17</slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-219" decimals="-3" id="f-1380" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-219" decimals="-3" id="f-1381" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-219" decimals="-3" id="f-1382" unitRef="usd">1564157000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-219" decimals="-3" id="f-1383" unitRef="usd">254068000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-219" decimals="-3" id="f-1384" unitRef="usd">110952000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-219" decimals="-3" id="f-1385" unitRef="usd">429127000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-219" decimals="-3" id="f-1386" unitRef="usd">2358304000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent
      contextRef="c-219"
      decimals="2"
      id="f-1387"
      unitRef="number">0.11</slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-220" decimals="-3" id="f-1388" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-220" decimals="-3" id="f-1389" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-220" decimals="-3" id="f-1390" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-220" decimals="-3" id="f-1391" unitRef="usd">987977000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-220" decimals="-3" id="f-1392" unitRef="usd">170051000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-220" decimals="-3" id="f-1393" unitRef="usd">451494000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-220" decimals="-3" id="f-1394" unitRef="usd">1609522000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent
      contextRef="c-220"
      decimals="2"
      id="f-1395"
      unitRef="number">0.07</slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-221" decimals="-3" id="f-1396" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-221" decimals="-3" id="f-1397" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-221" decimals="-3" id="f-1398" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-221" decimals="-3" id="f-1399" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-221" decimals="-3" id="f-1400" unitRef="usd">625916000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-221" decimals="-3" id="f-1401" unitRef="usd">3262308000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-221" decimals="-3" id="f-1402" unitRef="usd">3888224000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent
      contextRef="c-221"
      decimals="2"
      id="f-1403"
      unitRef="number">0.17</slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-222" decimals="-3" id="f-1404" unitRef="usd">2164479000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-222" decimals="-3" id="f-1405" unitRef="usd">1817705000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-222" decimals="-3" id="f-1406" unitRef="usd">748782000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-222" decimals="-3" id="f-1407" unitRef="usd">355248000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-222" decimals="-3" id="f-1408" unitRef="usd">184377000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-222" decimals="-3" id="f-1409" unitRef="usd">452236000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-222" decimals="-3" id="f-1410" unitRef="usd">5722827000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent
      contextRef="c-222"
      decimals="2"
      id="f-1411"
      unitRef="number">0.26</slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-223" decimals="-3" id="f-1412" unitRef="usd">5024592000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-223" decimals="-3" id="f-1413" unitRef="usd">5321510000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-223" decimals="-3" id="f-1414" unitRef="usd">3185247000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-223" decimals="-3" id="f-1415" unitRef="usd">2069436000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-223" decimals="-3" id="f-1416" unitRef="usd">1373996000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-223" decimals="-3" id="f-1417" unitRef="usd">5260227000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-223" decimals="-3" id="f-1418" unitRef="usd">22235008000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansGrossPercentage
      contextRef="c-223"
      decimals="INF"
      id="f-1419"
      unitRef="number">1</slm:PrivateEducationLoansGrossPercentage>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear contextRef="c-224" decimals="-3" id="f-1420" unitRef="usd">1826000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-224" decimals="-3" id="f-1421" unitRef="usd">29094000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear contextRef="c-224" decimals="-3" id="f-1422" unitRef="usd">68454000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-224" decimals="-3" id="f-1423" unitRef="usd">53697000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-224" decimals="-3" id="f-1424" unitRef="usd">37318000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-224" decimals="-3" id="f-1425" unitRef="usd">186451000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-224" decimals="-3" id="f-1426" unitRef="usd">376840000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear contextRef="c-224" decimals="-3" id="f-1427" unitRef="usd">117000</slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-224" decimals="-3" id="f-1428" unitRef="usd">2191000</slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-224" decimals="-3" id="f-1429" unitRef="usd">6487000</slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-224" decimals="-3" id="f-1430" unitRef="usd">5771000</slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-224" decimals="-3" id="f-1431" unitRef="usd">3840000</slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear contextRef="c-224" decimals="-3" id="f-1432" unitRef="usd">26350000</slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-224" decimals="-3" id="f-1433" unitRef="usd">44756000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear contextRef="c-224" decimals="-3" id="f-1434" unitRef="usd">1709000</slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-224" decimals="-3" id="f-1435" unitRef="usd">26903000</slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-224" decimals="-3" id="f-1436" unitRef="usd">61967000</slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-224" decimals="-3" id="f-1437" unitRef="usd">47926000</slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-224" decimals="-3" id="f-1438" unitRef="usd">33478000</slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear contextRef="c-224" decimals="-3" id="f-1439" unitRef="usd">160101000</slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery contextRef="c-224" decimals="-3" id="f-1440" unitRef="usd">332084000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery>
    <slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1441" unitRef="usd">195291000</slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1442" unitRef="usd">484531000</slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1443" unitRef="usd">325962000</slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1444" unitRef="usd">197504000</slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1445" unitRef="usd">106565000</slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1446" unitRef="usd">239562000</slm:FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss contextRef="c-225" decimals="-3" id="f-1447" unitRef="usd">1549415000</slm:FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-226" decimals="-3" id="f-1448" unitRef="usd">3903676000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-226" decimals="-3" id="f-1449" unitRef="usd">4428163000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-226" decimals="-3" id="f-1450" unitRef="usd">2516380000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-226" decimals="-3" id="f-1451" unitRef="usd">1535308000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-226" decimals="-3" id="f-1452" unitRef="usd">1378699000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-226" decimals="-3" id="f-1453" unitRef="usd">4529768000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-226" decimals="-3" id="f-1454" unitRef="usd">18291994000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PercentOfPrivateLoans
      contextRef="c-226"
      decimals="2"
      id="f-1455"
      unitRef="number">0.87</slm:PercentOfPrivateLoans>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-227" decimals="-3" id="f-1456" unitRef="usd">586443000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-227" decimals="-3" id="f-1457" unitRef="usd">660576000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-227" decimals="-3" id="f-1458" unitRef="usd">421042000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-227" decimals="-3" id="f-1459" unitRef="usd">283781000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-227" decimals="-3" id="f-1460" unitRef="usd">253601000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-227" decimals="-3" id="f-1461" unitRef="usd">528407000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-227" decimals="-3" id="f-1462" unitRef="usd">2733850000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PercentOfPrivateLoans
      contextRef="c-227"
      decimals="2"
      id="f-1463"
      unitRef="number">0.13</slm:PercentOfPrivateLoans>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-228" decimals="-3" id="f-1464" unitRef="usd">4490119000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-228" decimals="-3" id="f-1465" unitRef="usd">5088739000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-228" decimals="-3" id="f-1466" unitRef="usd">2937422000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-228" decimals="-3" id="f-1467" unitRef="usd">1819089000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-228" decimals="-3" id="f-1468" unitRef="usd">1632300000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-228" decimals="-3" id="f-1469" unitRef="usd">5058175000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-228" decimals="-3" id="f-1470" unitRef="usd">21025844000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansGrossPercentage
      contextRef="c-228"
      decimals="INF"
      id="f-1471"
      unitRef="number">1</slm:PrivateEducationLoansGrossPercentage>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-229" decimals="-3" id="f-1472" unitRef="usd">328199000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-229" decimals="-3" id="f-1473" unitRef="usd">395526000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-229" decimals="-3" id="f-1474" unitRef="usd">208696000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-229" decimals="-3" id="f-1475" unitRef="usd">118935000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-229" decimals="-3" id="f-1476" unitRef="usd">137494000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-229" decimals="-3" id="f-1477" unitRef="usd">451613000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-229" decimals="-3" id="f-1478" unitRef="usd">1640463000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-229"
      decimals="2"
      id="f-1479"
      unitRef="number">0.08</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-230" decimals="-3" id="f-1480" unitRef="usd">635642000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-230" decimals="-3" id="f-1481" unitRef="usd">704642000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-230" decimals="-3" id="f-1482" unitRef="usd">400744000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-230" decimals="-3" id="f-1483" unitRef="usd">254762000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-230" decimals="-3" id="f-1484" unitRef="usd">257840000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-230" decimals="-3" id="f-1485" unitRef="usd">868777000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-230" decimals="-3" id="f-1486" unitRef="usd">3122407000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-230"
      decimals="2"
      id="f-1487"
      unitRef="number">0.15</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-231" decimals="-3" id="f-1488" unitRef="usd">1383779000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-231" decimals="-3" id="f-1489" unitRef="usd">1586783000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-231" decimals="-3" id="f-1490" unitRef="usd">934033000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-231" decimals="-3" id="f-1491" unitRef="usd">590401000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-231" decimals="-3" id="f-1492" unitRef="usd">545333000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-231" decimals="-3" id="f-1493" unitRef="usd">1709299000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-231" decimals="-3" id="f-1494" unitRef="usd">6749628000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-231"
      decimals="2"
      id="f-1495"
      unitRef="number">0.32</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-232" decimals="-3" id="f-1496" unitRef="usd">2142499000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-232" decimals="-3" id="f-1497" unitRef="usd">2401788000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-232" decimals="-3" id="f-1498" unitRef="usd">1393949000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-232" decimals="-3" id="f-1499" unitRef="usd">854991000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-232" decimals="-3" id="f-1500" unitRef="usd">691633000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-232" decimals="-3" id="f-1501" unitRef="usd">2028486000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-232" decimals="-3" id="f-1502" unitRef="usd">9513346000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-232"
      decimals="2"
      id="f-1503"
      unitRef="number">0.45</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-233" decimals="-3" id="f-1504" unitRef="usd">4490119000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-233" decimals="-3" id="f-1505" unitRef="usd">5088739000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-233" decimals="-3" id="f-1506" unitRef="usd">2937422000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-233" decimals="-3" id="f-1507" unitRef="usd">1819089000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-233" decimals="-3" id="f-1508" unitRef="usd">1632300000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-233" decimals="-3" id="f-1509" unitRef="usd">5058175000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-233" decimals="-3" id="f-1510" unitRef="usd">21025844000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansGrossPercentage
      contextRef="c-233"
      decimals="INF"
      id="f-1511"
      unitRef="number">1</slm:PrivateEducationLoansGrossPercentage>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-234" decimals="-3" id="f-1512" unitRef="usd">495451000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-234" decimals="-3" id="f-1513" unitRef="usd">638381000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-234" decimals="-3" id="f-1514" unitRef="usd">379738000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-234" decimals="-3" id="f-1515" unitRef="usd">217956000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-234" decimals="-3" id="f-1516" unitRef="usd">214665000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-234" decimals="-3" id="f-1517" unitRef="usd">791875000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-234" decimals="-3" id="f-1518" unitRef="usd">2738066000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-234"
      decimals="2"
      id="f-1519"
      unitRef="number">0.13</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-235" decimals="-3" id="f-1520" unitRef="usd">616684000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-235" decimals="-3" id="f-1521" unitRef="usd">672777000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-235" decimals="-3" id="f-1522" unitRef="usd">365674000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-235" decimals="-3" id="f-1523" unitRef="usd">193462000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-235" decimals="-3" id="f-1524" unitRef="usd">176963000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-235" decimals="-3" id="f-1525" unitRef="usd">564245000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-235" decimals="-3" id="f-1526" unitRef="usd">2589805000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-235"
      decimals="2"
      id="f-1527"
      unitRef="number">0.12</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-236" decimals="-3" id="f-1528" unitRef="usd">1347094000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-236" decimals="-3" id="f-1529" unitRef="usd">1477310000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-236" decimals="-3" id="f-1530" unitRef="usd">836747000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-236" decimals="-3" id="f-1531" unitRef="usd">498414000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-236" decimals="-3" id="f-1532" unitRef="usd">445244000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-236" decimals="-3" id="f-1533" unitRef="usd">1361073000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-236" decimals="-3" id="f-1534" unitRef="usd">5965882000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-236"
      decimals="2"
      id="f-1535"
      unitRef="number">0.28</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-237" decimals="-3" id="f-1536" unitRef="usd">2030890000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-237" decimals="-3" id="f-1537" unitRef="usd">2300271000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-237" decimals="-3" id="f-1538" unitRef="usd">1355263000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-237" decimals="-3" id="f-1539" unitRef="usd">909257000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-237" decimals="-3" id="f-1540" unitRef="usd">795428000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-237" decimals="-3" id="f-1541" unitRef="usd">2340982000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-237" decimals="-3" id="f-1542" unitRef="usd">9732091000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansAtOrigination
      contextRef="c-237"
      decimals="2"
      id="f-1543"
      unitRef="number">0.47</slm:PrivateEducationLoansAtOrigination>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-238" decimals="-3" id="f-1544" unitRef="usd">4490119000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-238" decimals="-3" id="f-1545" unitRef="usd">5088739000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-238" decimals="-3" id="f-1546" unitRef="usd">2937422000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-238" decimals="-3" id="f-1547" unitRef="usd">1819089000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-238" decimals="-3" id="f-1548" unitRef="usd">1632300000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-238" decimals="-3" id="f-1549" unitRef="usd">5058175000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-238" decimals="-3" id="f-1550" unitRef="usd">21025844000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansGrossPercentage
      contextRef="c-238"
      decimals="INF"
      id="f-1551"
      unitRef="number">1</slm:PrivateEducationLoansGrossPercentage>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-239" decimals="-3" id="f-1552" unitRef="usd">2514079000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-239" decimals="-3" id="f-1553" unitRef="usd">740450000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-239" decimals="-3" id="f-1554" unitRef="usd">440293000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-239" decimals="-3" id="f-1555" unitRef="usd">245631000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-239" decimals="-3" id="f-1556" unitRef="usd">208941000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-239" decimals="-3" id="f-1557" unitRef="usd">332608000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-239" decimals="-3" id="f-1558" unitRef="usd">4482002000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent
      contextRef="c-239"
      decimals="2"
      id="f-1559"
      unitRef="number">0.21</slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-240" decimals="-3" id="f-1560" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-240" decimals="-3" id="f-1561" unitRef="usd">2675956000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-240" decimals="-3" id="f-1562" unitRef="usd">303045000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-240" decimals="-3" id="f-1563" unitRef="usd">167532000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-240" decimals="-3" id="f-1564" unitRef="usd">165577000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-240" decimals="-3" id="f-1565" unitRef="usd">384760000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-240" decimals="-3" id="f-1566" unitRef="usd">3696870000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent
      contextRef="c-240"
      decimals="2"
      id="f-1567"
      unitRef="number">0.18</slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-241" decimals="-3" id="f-1568" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-241" decimals="-3" id="f-1569" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-241" decimals="-3" id="f-1570" unitRef="usd">1524834000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-241" decimals="-3" id="f-1571" unitRef="usd">195091000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-241" decimals="-3" id="f-1572" unitRef="usd">129571000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-241" decimals="-3" id="f-1573" unitRef="usd">456448000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-241" decimals="-3" id="f-1574" unitRef="usd">2305944000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent
      contextRef="c-241"
      decimals="2"
      id="f-1575"
      unitRef="number">0.11</slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-242" decimals="-3" id="f-1576" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-242" decimals="-3" id="f-1577" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-242" decimals="-3" id="f-1578" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-242" decimals="-3" id="f-1579" unitRef="usd">902938000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-242" decimals="-3" id="f-1580" unitRef="usd">208521000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-242" decimals="-3" id="f-1581" unitRef="usd">446350000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-242" decimals="-3" id="f-1582" unitRef="usd">1557809000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent
      contextRef="c-242"
      decimals="2"
      id="f-1583"
      unitRef="number">0.07</slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-243" decimals="-3" id="f-1584" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-243" decimals="-3" id="f-1585" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-243" decimals="-3" id="f-1586" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-243" decimals="-3" id="f-1587" unitRef="usd">116000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-243" decimals="-3" id="f-1588" unitRef="usd">706097000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-243" decimals="-3" id="f-1589" unitRef="usd">2985015000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-243" decimals="-3" id="f-1590" unitRef="usd">3691228000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent
      contextRef="c-243"
      decimals="2"
      id="f-1591"
      unitRef="number">0.18</slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-244" decimals="-3" id="f-1592" unitRef="usd">1976040000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-244" decimals="-3" id="f-1593" unitRef="usd">1672333000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-244" decimals="-3" id="f-1594" unitRef="usd">669250000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-244" decimals="-3" id="f-1595" unitRef="usd">307781000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-244" decimals="-3" id="f-1596" unitRef="usd">213593000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-244" decimals="-3" id="f-1597" unitRef="usd">452994000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-244" decimals="-3" id="f-1598" unitRef="usd">5291991000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent
      contextRef="c-244"
      decimals="2"
      id="f-1599"
      unitRef="number">0.25</slm:SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-245" decimals="-3" id="f-1600" unitRef="usd">4490119000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-245" decimals="-3" id="f-1601" unitRef="usd">5088739000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-245" decimals="-3" id="f-1602" unitRef="usd">2937422000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-245" decimals="-3" id="f-1603" unitRef="usd">1819089000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-245" decimals="-3" id="f-1604" unitRef="usd">1632300000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-245" decimals="-3" id="f-1605" unitRef="usd">5058175000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-245" decimals="-3" id="f-1606" unitRef="usd">21025844000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:PrivateEducationLoansGrossPercentage
      contextRef="c-245"
      decimals="INF"
      id="f-1607"
      unitRef="number">1</slm:PrivateEducationLoansGrossPercentage>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear contextRef="c-246" decimals="-3" id="f-1608" unitRef="usd">1812000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-246" decimals="-3" id="f-1609" unitRef="usd">31032000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear contextRef="c-246" decimals="-3" id="f-1610" unitRef="usd">70331000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedTwoYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-246" decimals="-3" id="f-1611" unitRef="usd">49624000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-246" decimals="-3" id="f-1612" unitRef="usd">50585000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-246" decimals="-3" id="f-1613" unitRef="usd">216711000</slm:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestWriteoffOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-246" decimals="-3" id="f-1614" unitRef="usd">420095000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear contextRef="c-246" decimals="-3" id="f-1615" unitRef="usd">172000</slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-246" decimals="-3" id="f-1616" unitRef="usd">2342000</slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-246" decimals="-3" id="f-1617" unitRef="usd">6496000</slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-246" decimals="-3" id="f-1618" unitRef="usd">4923000</slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-246" decimals="-3" id="f-1619" unitRef="usd">5260000</slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear contextRef="c-246" decimals="-3" id="f-1620" unitRef="usd">27175000</slm:FinancingReceivableAllowanceForCreditLossRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-246" decimals="-3" id="f-1621" unitRef="usd">46368000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear contextRef="c-246" decimals="-3" id="f-1622" unitRef="usd">1640000</slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-246" decimals="-3" id="f-1623" unitRef="usd">28690000</slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-246" decimals="-3" id="f-1624" unitRef="usd">63835000</slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-246" decimals="-3" id="f-1625" unitRef="usd">44701000</slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-246" decimals="-3" id="f-1626" unitRef="usd">45325000</slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear contextRef="c-246" decimals="-3" id="f-1627" unitRef="usd">189536000</slm:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecoveryOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery contextRef="c-246" decimals="-3" id="f-1628" unitRef="usd">373727000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery>
    <slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1629" unitRef="usd">177959000</slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1630" unitRef="usd">408800000</slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1631" unitRef="usd">269978000</slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedTwoYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1632" unitRef="usd">152094000</slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1633" unitRef="usd">116618000</slm:FinancingReceivableAccruedInterestOriginationVintageOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1634" unitRef="usd">229116000</slm:FinancingReceivableAccruedInterestOriginationInterestOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <slm:FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss contextRef="c-247" decimals="-3" id="f-1635" unitRef="usd">1354565000</slm:FinancingReceivableAccruedInterestOriginationVintageBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-248" decimals="-3" id="f-1636" unitRef="usd">2164479000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-248" decimals="-3" id="f-1637" unitRef="usd">1817705000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-248" decimals="-3" id="f-1638" unitRef="usd">748782000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-248" decimals="-3" id="f-1639" unitRef="usd">355248000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-248" decimals="-3" id="f-1640" unitRef="usd">184377000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-248" decimals="-3" id="f-1641" unitRef="usd">452236000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-248" decimals="-3" id="f-1642" unitRef="usd">5722827000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear contextRef="c-249" decimals="-3" id="f-1643" unitRef="usd">19984000</slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-249" decimals="-3" id="f-1644" unitRef="usd">124728000</slm:FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-249" decimals="-3" id="f-1645" unitRef="usd">87961000</slm:FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-249" decimals="-3" id="f-1646" unitRef="usd">52686000</slm:FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-249" decimals="-3" id="f-1647" unitRef="usd">31575000</slm:FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear contextRef="c-249" decimals="-3" id="f-1648" unitRef="usd">88496000</slm:FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss contextRef="c-249" decimals="-3" id="f-1649" unitRef="usd">405430000</slm:FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-250" decimals="-3" id="f-1650" unitRef="usd">2820940000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-250" decimals="-3" id="f-1651" unitRef="usd">3312916000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-250" decimals="-3" id="f-1652" unitRef="usd">2259455000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-250" decimals="-3" id="f-1653" unitRef="usd">1590812000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-250" decimals="-3" id="f-1654" unitRef="usd">1107189000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-250" decimals="-3" id="f-1655" unitRef="usd">4422021000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-250" decimals="-3" id="f-1656" unitRef="usd">15513333000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-251" decimals="-3" id="f-1657" unitRef="usd">13533000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-251" decimals="-3" id="f-1658" unitRef="usd">36441000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-251" decimals="-3" id="f-1659" unitRef="usd">45543000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-251" decimals="-3" id="f-1660" unitRef="usd">35245000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-251" decimals="-3" id="f-1661" unitRef="usd">27302000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-251" decimals="-3" id="f-1662" unitRef="usd">152684000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-251" decimals="-3" id="f-1663" unitRef="usd">310748000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-252" decimals="-3" id="f-1664" unitRef="usd">3973000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-252" decimals="-3" id="f-1665" unitRef="usd">15239000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-252" decimals="-3" id="f-1666" unitRef="usd">23359000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-252" decimals="-3" id="f-1667" unitRef="usd">18365000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-252" decimals="-3" id="f-1668" unitRef="usd">10921000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-252" decimals="-3" id="f-1669" unitRef="usd">68878000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-252" decimals="-3" id="f-1670" unitRef="usd">140735000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-253" decimals="-3" id="f-1671" unitRef="usd">1683000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-253" decimals="-3" id="f-1672" unitRef="usd">14481000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-253" decimals="-3" id="f-1673" unitRef="usd">20147000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-253" decimals="-3" id="f-1674" unitRef="usd">17080000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-253" decimals="-3" id="f-1675" unitRef="usd">12632000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-253" decimals="-3" id="f-1676" unitRef="usd">75912000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-253" decimals="-3" id="f-1677" unitRef="usd">141935000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:LoansInRepaymentOriginatedInCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1678" unitRef="usd">2840129000</slm:LoansInRepaymentOriginatedInCurrentFiscalYear>
    <slm:LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1679" unitRef="usd">3379077000</slm:LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1680" unitRef="usd">2348504000</slm:LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1681" unitRef="usd">1661502000</slm:LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1682" unitRef="usd">1158044000</slm:LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1683" unitRef="usd">4719495000</slm:LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear>
    <slm:LoansInRepaymentBeforeAllowanceForCreditLoss contextRef="c-225" decimals="-3" id="f-1684" unitRef="usd">16106751000</slm:LoansInRepaymentBeforeAllowanceForCreditLoss>
    <slm:LoansGrossOriginatedInCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1685" unitRef="usd">5024592000</slm:LoansGrossOriginatedInCurrentFiscalYear>
    <slm:LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1686" unitRef="usd">5321510000</slm:LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1687" unitRef="usd">3185247000</slm:LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear>
    <slm:LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1688" unitRef="usd">2069436000</slm:LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:LoansGrossOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1689" unitRef="usd">1373996000</slm:LoansGrossOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1690" unitRef="usd">5260227000</slm:LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear>
    <slm:LoansGrossBeforeAllowanceForCreditLoss contextRef="c-225" decimals="-3" id="f-1691" unitRef="usd">22235008000</slm:LoansGrossBeforeAllowanceForCreditLoss>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1692" unitRef="usd">47659000</slm:NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1693" unitRef="usd">25599000</slm:NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1694" unitRef="usd">10788000</slm:NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1695" unitRef="usd">6142000</slm:NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1696" unitRef="usd">4057000</slm:NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1697" unitRef="usd">8825000</slm:NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss contextRef="c-225" decimals="-3" id="f-1698" unitRef="usd">103070000</slm:NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss>
    <slm:LoansOriginatedInCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1699" unitRef="usd">5072251000</slm:LoansOriginatedInCurrentFiscalYear>
    <slm:LoansOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1700" unitRef="usd">5347109000</slm:LoansOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1701" unitRef="usd">3196035000</slm:LoansOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:LoansOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1702" unitRef="usd">2075578000</slm:LoansOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:LoansOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1703" unitRef="usd">1378053000</slm:LoansOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1704" unitRef="usd">5269052000</slm:LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <slm:LoansBeforeAllowanceForCreditLoss contextRef="c-225" decimals="-3" id="f-1705" unitRef="usd">22338078000</slm:LoansBeforeAllowanceForCreditLoss>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1706" unitRef="usd">258235000</slm:FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1707" unitRef="usd">326207000</slm:FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1708" unitRef="usd">234532000</slm:FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1709" unitRef="usd">150324000</slm:FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1710" unitRef="usd">90600000</slm:FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1711" unitRef="usd">376022000</slm:FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-225" decimals="-3" id="f-1712" unitRef="usd">1435920000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1713" unitRef="usd">4814016000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-225" decimals="-3" id="f-1714" unitRef="usd">5020902000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1715" unitRef="usd">2961503000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1716" unitRef="usd">1925254000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1717" unitRef="usd">1287453000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear contextRef="c-225" decimals="-3" id="f-1718" unitRef="usd">4893030000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-225" decimals="-3" id="f-1719" unitRef="usd">20902158000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear contextRef="c-7" decimals="3" id="f-1720" unitRef="number">0.565</slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-7" decimals="3" id="f-1721" unitRef="number">0.635</slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear contextRef="c-7" decimals="3" id="f-1722" unitRef="number">0.737</slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-7" decimals="3" id="f-1723" unitRef="number">0.803</slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-7" decimals="3" id="f-1724" unitRef="number">0.843</slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-7" decimals="3" id="f-1725" unitRef="number">0.897</slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss contextRef="c-7" decimals="3" id="f-1726" unitRef="number">0.724</slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear contextRef="c-7" decimals="3" id="f-1727" unitRef="number">0.007</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-7" decimals="3" id="f-1728" unitRef="number">0.020</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-7" decimals="3" id="f-1729" unitRef="number">0.038</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-7" decimals="3" id="f-1730" unitRef="number">0.043</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-7" decimals="3" id="f-1731" unitRef="number">0.044</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear contextRef="c-7" decimals="3" id="f-1732" unitRef="number">0.063</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepayment contextRef="c-7" decimals="3" id="f-1733" unitRef="number">0.037</slm:DelinquenciesAsPercentageOfLoansInRepayment>
    <slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance contextRef="c-7" decimals="3" id="f-1734" unitRef="number">0.007</slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-7" decimals="3" id="f-1735" unitRef="number">0.036</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-7" decimals="3" id="f-1736" unitRef="number">0.036</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-7" decimals="3" id="f-1737" unitRef="number">0.031</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-7" decimals="3" id="f-1738" unitRef="number">0.027</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear contextRef="c-7" decimals="3" id="f-1739" unitRef="number">0.018</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance contextRef="c-7" decimals="3" id="f-1740" unitRef="number">0.025</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-254" decimals="-3" id="f-1741" unitRef="usd">1976040000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-254" decimals="-3" id="f-1742" unitRef="usd">1672333000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-254" decimals="-3" id="f-1743" unitRef="usd">669250000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-254" decimals="-3" id="f-1744" unitRef="usd">307781000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-254" decimals="-3" id="f-1745" unitRef="usd">213593000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-254" decimals="-3" id="f-1746" unitRef="usd">452994000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-254" decimals="-3" id="f-1747" unitRef="usd">5291991000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear contextRef="c-255" decimals="-3" id="f-1748" unitRef="usd">19265000</slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-255" decimals="-3" id="f-1749" unitRef="usd">93079000</slm:FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-255" decimals="-3" id="f-1750" unitRef="usd">58438000</slm:FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-255" decimals="-3" id="f-1751" unitRef="usd">35450000</slm:FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-255" decimals="-3" id="f-1752" unitRef="usd">31818000</slm:FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear contextRef="c-255" decimals="-3" id="f-1753" unitRef="usd">85989000</slm:FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss contextRef="c-255" decimals="-3" id="f-1754" unitRef="usd">324039000</slm:FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-256" decimals="-3" id="f-1755" unitRef="usd">2469817000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-256" decimals="-3" id="f-1756" unitRef="usd">3254534000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-256" decimals="-3" id="f-1757" unitRef="usd">2131040000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-256" decimals="-3" id="f-1758" unitRef="usd">1416069000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-256" decimals="-3" id="f-1759" unitRef="usd">1323825000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-256" decimals="-3" id="f-1760" unitRef="usd">4213986000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-256" decimals="-3" id="f-1761" unitRef="usd">14809271000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-257" decimals="-3" id="f-1762" unitRef="usd">17599000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-257" decimals="-3" id="f-1763" unitRef="usd">34627000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-257" decimals="-3" id="f-1764" unitRef="usd">37147000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-257" decimals="-3" id="f-1765" unitRef="usd">28020000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-257" decimals="-3" id="f-1766" unitRef="usd">31432000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-257" decimals="-3" id="f-1767" unitRef="usd">149926000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-257" decimals="-3" id="f-1768" unitRef="usd">298751000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-258" decimals="-3" id="f-1769" unitRef="usd">5720000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-258" decimals="-3" id="f-1770" unitRef="usd">17227000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-258" decimals="-3" id="f-1771" unitRef="usd">20077000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-258" decimals="-3" id="f-1772" unitRef="usd">16614000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-258" decimals="-3" id="f-1773" unitRef="usd">15482000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-258" decimals="-3" id="f-1774" unitRef="usd">75897000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-258" decimals="-3" id="f-1775" unitRef="usd">151017000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-259" decimals="-3" id="f-1776" unitRef="usd">1678000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-259" decimals="-3" id="f-1777" unitRef="usd">16939000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-259" decimals="-3" id="f-1778" unitRef="usd">21470000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-259" decimals="-3" id="f-1779" unitRef="usd">15155000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-259" decimals="-3" id="f-1780" unitRef="usd">16150000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-259" decimals="-3" id="f-1781" unitRef="usd">79383000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-259" decimals="-3" id="f-1782" unitRef="usd">150775000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:LoansInRepaymentOriginatedInCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1783" unitRef="usd">2494814000</slm:LoansInRepaymentOriginatedInCurrentFiscalYear>
    <slm:LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1784" unitRef="usd">3323327000</slm:LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1785" unitRef="usd">2209734000</slm:LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1786" unitRef="usd">1475858000</slm:LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1787" unitRef="usd">1386889000</slm:LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1788" unitRef="usd">4519192000</slm:LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear>
    <slm:LoansInRepaymentBeforeAllowanceForCreditLoss contextRef="c-247" decimals="-3" id="f-1789" unitRef="usd">15409814000</slm:LoansInRepaymentBeforeAllowanceForCreditLoss>
    <slm:LoansGrossOriginatedInCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1790" unitRef="usd">4490119000</slm:LoansGrossOriginatedInCurrentFiscalYear>
    <slm:LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1791" unitRef="usd">5088739000</slm:LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1792" unitRef="usd">2937422000</slm:LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear>
    <slm:LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1793" unitRef="usd">1819089000</slm:LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:LoansGrossOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1794" unitRef="usd">1632300000</slm:LoansGrossOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1795" unitRef="usd">5058175000</slm:LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear>
    <slm:LoansGrossBeforeAllowanceForCreditLoss contextRef="c-247" decimals="-3" id="f-1796" unitRef="usd">21025844000</slm:LoansGrossBeforeAllowanceForCreditLoss>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1797" unitRef="usd">35616000</slm:NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1798" unitRef="usd">18556000</slm:NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1799" unitRef="usd">9465000</slm:NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1800" unitRef="usd">5809000</slm:NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1801" unitRef="usd">3556000</slm:NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1802" unitRef="usd">8552000</slm:NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss contextRef="c-247" decimals="-3" id="f-1803" unitRef="usd">81554000</slm:NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss>
    <slm:LoansOriginatedInCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1804" unitRef="usd">4525735000</slm:LoansOriginatedInCurrentFiscalYear>
    <slm:LoansOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1805" unitRef="usd">5107295000</slm:LoansOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1806" unitRef="usd">2946887000</slm:LoansOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:LoansOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1807" unitRef="usd">1824898000</slm:LoansOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:LoansOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1808" unitRef="usd">1635856000</slm:LoansOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1809" unitRef="usd">5066727000</slm:LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <slm:LoansBeforeAllowanceForCreditLoss contextRef="c-247" decimals="-3" id="f-1810" unitRef="usd">21107398000</slm:LoansBeforeAllowanceForCreditLoss>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1811" unitRef="usd">269642000</slm:FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1812" unitRef="usd">335090000</slm:FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1813" unitRef="usd">194104000</slm:FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1814" unitRef="usd">118755000</slm:FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1815" unitRef="usd">100111000</slm:FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1816" unitRef="usd">317403000</slm:FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-247" decimals="-3" id="f-1817" unitRef="usd">1335105000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1818" unitRef="usd">4256093000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-247" decimals="-3" id="f-1819" unitRef="usd">4772205000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1820" unitRef="usd">2752783000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1821" unitRef="usd">1706143000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1822" unitRef="usd">1535745000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear contextRef="c-247" decimals="-3" id="f-1823" unitRef="usd">4749324000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-247" decimals="-3" id="f-1824" unitRef="usd">19772293000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear contextRef="c-8" decimals="3" id="f-1825" unitRef="number">0.556</slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-8" decimals="3" id="f-1826" unitRef="number">0.653</slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear contextRef="c-8" decimals="3" id="f-1827" unitRef="number">0.752</slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-8" decimals="3" id="f-1828" unitRef="number">0.811</slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-8" decimals="3" id="f-1829" unitRef="number">0.850</slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-8" decimals="3" id="f-1830" unitRef="number">0.893</slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss contextRef="c-8" decimals="3" id="f-1831" unitRef="number">0.733</slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear contextRef="c-8" decimals="3" id="f-1832" unitRef="number">0.010</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-8" decimals="3" id="f-1833" unitRef="number">0.021</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-8" decimals="3" id="f-1834" unitRef="number">0.036</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-8" decimals="3" id="f-1835" unitRef="number">0.041</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-8" decimals="3" id="f-1836" unitRef="number">0.045</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear contextRef="c-8" decimals="3" id="f-1837" unitRef="number">0.068</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepayment contextRef="c-8" decimals="3" id="f-1838" unitRef="number">0.039</slm:DelinquenciesAsPercentageOfLoansInRepayment>
    <slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance contextRef="c-8" decimals="3" id="f-1839" unitRef="number">0.008</slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-8" decimals="3" id="f-1840" unitRef="number">0.027</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-8" decimals="3" id="f-1841" unitRef="number">0.026</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-8" decimals="3" id="f-1842" unitRef="number">0.023</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-8" decimals="3" id="f-1843" unitRef="number">0.022</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear contextRef="c-8" decimals="3" id="f-1844" unitRef="number">0.019</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance contextRef="c-8" decimals="3" id="f-1845" unitRef="number">0.021</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-260" decimals="-3" id="f-1846" unitRef="usd">1827649000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-260" decimals="-3" id="f-1847" unitRef="usd">1433322000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-260" decimals="-3" id="f-1848" unitRef="usd">578253000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-260" decimals="-3" id="f-1849" unitRef="usd">380639000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-260" decimals="-3" id="f-1850" unitRef="usd">219280000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-260" decimals="-3" id="f-1851" unitRef="usd">455910000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-260" decimals="-3" id="f-1852" unitRef="usd">4895053000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear contextRef="c-261" decimals="-3" id="f-1853" unitRef="usd">16046000</slm:FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-261" decimals="-3" id="f-1854" unitRef="usd">64360000</slm:FinancingReceivableLoansInForbearanceYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-261" decimals="-3" id="f-1855" unitRef="usd">38613000</slm:FinancingReceivableLoansInForbearanceYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-261" decimals="-3" id="f-1856" unitRef="usd">37802000</slm:FinancingReceivableLoansInForbearanceYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-261" decimals="-3" id="f-1857" unitRef="usd">30583000</slm:FinancingReceivableLoansInForbearanceYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear contextRef="c-261" decimals="-3" id="f-1858" unitRef="usd">91681000</slm:FinancingReceivableLoansInForbearanceYearSixOriginatedMoreThanSixYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss contextRef="c-261" decimals="-3" id="f-1859" unitRef="usd">279085000</slm:FinancingReceivableLoansInForbearanceBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-262" decimals="-3" id="f-1860" unitRef="usd">2411441000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-262" decimals="-3" id="f-1861" unitRef="usd">2991839000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-262" decimals="-3" id="f-1862" unitRef="usd">1907574000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-262" decimals="-3" id="f-1863" unitRef="usd">1683986000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-262" decimals="-3" id="f-1864" unitRef="usd">1301809000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-262" decimals="-3" id="f-1865" unitRef="usd">4262698000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-262" decimals="-3" id="f-1866" unitRef="usd">14559347000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-263" decimals="-3" id="f-1867" unitRef="usd">14164000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-263" decimals="-3" id="f-1868" unitRef="usd">30740000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-263" decimals="-3" id="f-1869" unitRef="usd">30877000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-263" decimals="-3" id="f-1870" unitRef="usd">35213000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-263" decimals="-3" id="f-1871" unitRef="usd">31366000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-263" decimals="-3" id="f-1872" unitRef="usd">144948000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-263" decimals="-3" id="f-1873" unitRef="usd">287308000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-264" decimals="-3" id="f-1874" unitRef="usd">5523000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-264" decimals="-3" id="f-1875" unitRef="usd">15056000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-264" decimals="-3" id="f-1876" unitRef="usd">14433000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-264" decimals="-3" id="f-1877" unitRef="usd">18201000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-264" decimals="-3" id="f-1878" unitRef="usd">16697000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-264" decimals="-3" id="f-1879" unitRef="usd">77595000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-264" decimals="-3" id="f-1880" unitRef="usd">147505000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-265" decimals="-3" id="f-1881" unitRef="usd">1710000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-265" decimals="-3" id="f-1882" unitRef="usd">11842000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-265" decimals="-3" id="f-1883" unitRef="usd">14872000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-265" decimals="-3" id="f-1884" unitRef="usd">16819000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-265" decimals="-3" id="f-1885" unitRef="usd">16107000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-265" decimals="-3" id="f-1886" unitRef="usd">74040000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-265" decimals="-3" id="f-1887" unitRef="usd">135390000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <slm:LoansInRepaymentOriginatedInCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1888" unitRef="usd">2432838000</slm:LoansInRepaymentOriginatedInCurrentFiscalYear>
    <slm:LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1889" unitRef="usd">3049477000</slm:LoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1890" unitRef="usd">1967756000</slm:LoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1891" unitRef="usd">1754219000</slm:LoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1892" unitRef="usd">1365979000</slm:LoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1893" unitRef="usd">4559281000</slm:LoansInRepaymentOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear>
    <slm:LoansInRepaymentBeforeAllowanceForCreditLoss contextRef="c-266" decimals="-3" id="f-1894" unitRef="usd">15129550000</slm:LoansInRepaymentBeforeAllowanceForCreditLoss>
    <slm:LoansGrossOriginatedInCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1895" unitRef="usd">4276533000</slm:LoansGrossOriginatedInCurrentFiscalYear>
    <slm:LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1896" unitRef="usd">4547159000</slm:LoansGrossOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1897" unitRef="usd">2584622000</slm:LoansGrossOriginatedTwoYearsBeforeLatestFiscalYear>
    <slm:LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1898" unitRef="usd">2172660000</slm:LoansGrossOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:LoansGrossOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1899" unitRef="usd">1615842000</slm:LoansGrossOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1900" unitRef="usd">5106872000</slm:LoansGrossOriginatedFiveYearsBeforeLatestFiscalYear>
    <slm:LoansGrossBeforeAllowanceForCreditLoss contextRef="c-266" decimals="-3" id="f-1901" unitRef="usd">20303688000</slm:LoansGrossBeforeAllowanceForCreditLoss>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1902" unitRef="usd">26714000</slm:NetUnamortizedPremiumOrDiscountOriginatedInCurrentFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1903" unitRef="usd">15933000</slm:NetUnamortizedPremiumOrDiscountOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1904" unitRef="usd">9062000</slm:NetUnamortizedPremiumOrDiscountOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1905" unitRef="usd">5496000</slm:NetUnamortizedPremiumOrDiscountOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1906" unitRef="usd">3575000</slm:NetUnamortizedPremiumOrDiscountOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1907" unitRef="usd">8876000</slm:NetUnamortizedPremiumOrDiscountOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <slm:NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss contextRef="c-266" decimals="-3" id="f-1908" unitRef="usd">69656000</slm:NetUnamortizedPremiumOrDiscountBeforeAllowanceForCreditLoss>
    <slm:LoansOriginatedInCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1909" unitRef="usd">4303247000</slm:LoansOriginatedInCurrentFiscalYear>
    <slm:LoansOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1910" unitRef="usd">4563092000</slm:LoansOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1911" unitRef="usd">2593684000</slm:LoansOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:LoansOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1912" unitRef="usd">2178156000</slm:LoansOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:LoansOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1913" unitRef="usd">1619417000</slm:LoansOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1914" unitRef="usd">5115748000</slm:LoansOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <slm:LoansBeforeAllowanceForCreditLoss contextRef="c-266" decimals="-3" id="f-1915" unitRef="usd">20373344000</slm:LoansBeforeAllowanceForCreditLoss>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1916" unitRef="usd">304943000</slm:FinancingReceivableAllowanceForCreditLossOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1917" unitRef="usd">323506000</slm:FinancingReceivableAllowanceForCreditLossOriginatedFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1918" unitRef="usd">181915000</slm:FinancingReceivableAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1919" unitRef="usd">141424000</slm:FinancingReceivableAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1920" unitRef="usd">101023000</slm:FinancingReceivableAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1921" unitRef="usd">300820000</slm:FinancingReceivableAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-266" decimals="-3" id="f-1922" unitRef="usd">1353631000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1923" unitRef="usd">3998304000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInCurrentFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-266" decimals="-3" id="f-1924" unitRef="usd">4239586000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1925" unitRef="usd">2411769000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1926" unitRef="usd">2036732000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1927" unitRef="usd">1518394000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear contextRef="c-266" decimals="-3" id="f-1928" unitRef="usd">4814928000</slm:FinancingReceivableAfterAllowanceForCreditLossOriginatedFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-266" decimals="-3" id="f-1929" unitRef="usd">19019713000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear contextRef="c-31" decimals="3" id="f-1930" unitRef="number">0.569</slm:PercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-31" decimals="3" id="f-1931" unitRef="number">0.671</slm:PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear contextRef="c-31" decimals="3" id="f-1932" unitRef="number">0.761</slm:PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear contextRef="c-31" decimals="3" id="f-1933" unitRef="number">0.807</slm:PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear contextRef="c-31" decimals="3" id="f-1934" unitRef="number">0.845</slm:PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear contextRef="c-31" decimals="3" id="f-1935" unitRef="number">0.893</slm:PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear>
    <slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss contextRef="c-31" decimals="3" id="f-1936" unitRef="number">0.745</slm:PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear contextRef="c-31" decimals="3" id="f-1937" unitRef="number">0.009</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-31" decimals="3" id="f-1938" unitRef="number">0.019</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-31" decimals="3" id="f-1939" unitRef="number">0.031</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-31" decimals="3" id="f-1940" unitRef="number">0.040</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-31" decimals="3" id="f-1941" unitRef="number">0.047</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear contextRef="c-31" decimals="3" id="f-1942" unitRef="number">0.065</slm:DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear>
    <slm:DelinquenciesAsPercentageOfLoansInRepayment contextRef="c-31" decimals="3" id="f-1943" unitRef="number">0.038</slm:DelinquenciesAsPercentageOfLoansInRepayment>
    <slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance contextRef="c-31" decimals="3" id="f-1944" unitRef="number">0.007</slm:LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear contextRef="c-31" decimals="3" id="f-1945" unitRef="number">0.021</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-31" decimals="3" id="f-1946" unitRef="number">0.019</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-31" decimals="3" id="f-1947" unitRef="number">0.021</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-31" decimals="3" id="f-1948" unitRef="number">0.022</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear contextRef="c-31" decimals="3" id="f-1949" unitRef="number">0.020</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFiveOrMoreYearsBeforeCurrentFiscalYear>
    <slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance contextRef="c-31" decimals="3" id="f-1950" unitRef="number">0.018</slm:LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance>
    <slm:AccruedInterestReceivableTableTextBlock contextRef="c-1" id="f-1951">&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 or 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 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 credit losses considers the collectibility of both principal and accrued interest. The allowance for uncollectible interest estimates the additional uncollectible interest that is not captured in the allowance for credit losses. See Note 2, &#x201c;Significant Accounting Policies &#x2014; Allowance for Credit Losses &#x2014; Uncollectible Interest&#x201d; in this Form 10-K for additional information. &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&gt;&lt;td style="width:40.048%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.321%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.321%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.322%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&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&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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&gt;&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&gt;&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 or 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&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&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;Uncollectible&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&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:15pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,549,415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;12,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,354,565&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;8,373&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;9,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;(1)  At December 31, 2024 and 2023, $164&#160;million and $151&#160;million, respectively, of accrued interest receivable was not expected to be capitalized and $1.4&#160;billion and $1.2&#160;billion of accrued interest receivable was expected to be capitalized.</slm:AccruedInterestReceivableTableTextBlock>
    <slm:PeriodofLoansPastDueThatHaveAccruedInterest contextRef="c-1" id="f-1952">P90D</slm:PeriodofLoansPastDueThatHaveAccruedInterest>
    <slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest contextRef="c-1" decimals="0" id="f-1953" unitRef="usd">25</slm:FixedPayLoanMonthlyPaymentAmountBelowMonthlyAccruedInterest>
    <slm:AccruedInterestReceivableOnPrivateEducationLoans contextRef="c-7" decimals="-3" id="f-1954" unitRef="usd">1549415000</slm:AccruedInterestReceivableOnPrivateEducationLoans>
    <slm:GreaterThanNinetyDaysPastDueAccruedInterestReceivable contextRef="c-7" decimals="-3" id="f-1955" unitRef="usd">6420000</slm:GreaterThanNinetyDaysPastDueAccruedInterestReceivable>
    <slm:AllowanceForUncollectibleAccruedInterest contextRef="c-7" decimals="-3" id="f-1956" unitRef="usd">12366000</slm:AllowanceForUncollectibleAccruedInterest>
    <slm:AccruedInterestReceivableOnPrivateEducationLoans contextRef="c-8" decimals="-3" id="f-1957" unitRef="usd">1354565000</slm:AccruedInterestReceivableOnPrivateEducationLoans>
    <slm:GreaterThanNinetyDaysPastDueAccruedInterestReceivable contextRef="c-8" decimals="-3" id="f-1958" unitRef="usd">8373000</slm:GreaterThanNinetyDaysPastDueAccruedInterestReceivable>
    <slm:AllowanceForUncollectibleAccruedInterest contextRef="c-8" decimals="-3" id="f-1959" unitRef="usd">9897000</slm:AllowanceForUncollectibleAccruedInterest>
    <slm:AccruedInterestReceivableNotExpectedToBeCapitalized contextRef="c-7" decimals="-6" id="f-1960" unitRef="usd">164000000</slm:AccruedInterestReceivableNotExpectedToBeCapitalized>
    <slm:AccruedInterestReceivableNotExpectedToBeCapitalized contextRef="c-8" decimals="-6" id="f-1961" unitRef="usd">151000000</slm:AccruedInterestReceivableNotExpectedToBeCapitalized>
    <slm:AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses contextRef="c-7" decimals="-6" id="f-1962" unitRef="usd">1400000000</slm:AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses>
    <slm:AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses contextRef="c-8" decimals="-6" id="f-1963" unitRef="usd">1200000000</slm:AccruedInterestReceivableExpectedToBeCapitalizedReservedAllowanceForCreditLosses>
    <us-gaap:ContractualObligation contextRef="c-7" decimals="-8" id="f-1964" unitRef="usd">2300000000</us-gaap:ContractualObligation>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-8" decimals="-3" id="f-1965" unitRef="usd">112962000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-8" decimals="-3" id="f-1966" unitRef="usd">2221077000</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-31" decimals="-3" id="f-1967" unitRef="usd">124924000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-31" decimals="-3" id="f-1968" unitRef="usd">1995808000</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-17" decimals="-3" id="f-1969" unitRef="usd">72713000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-17" decimals="-3" id="f-1970" unitRef="usd">1776976000</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-1" decimals="-3" id="f-1971" unitRef="usd">283393000</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments contextRef="c-1" decimals="-3" id="f-1972" unitRef="usd">7103832000</slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-9" decimals="-3" id="f-1973" unitRef="usd">308275000</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments contextRef="c-9" decimals="-3" id="f-1974" unitRef="usd">6602803000</slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments>
    <us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal contextRef="c-10" decimals="-3" id="f-1975" unitRef="usd">396521000</us-gaap:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal>
    <slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments contextRef="c-10" decimals="-3" id="f-1976" unitRef="usd">6180805000</slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityAdditionalCommitments>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-1" decimals="-3" id="f-1977" unitRef="usd">311787000</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded contextRef="c-1" decimals="-3" id="f-1978" unitRef="usd">7013249000</slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-9" decimals="-3" id="f-1979" unitRef="usd">320237000</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded contextRef="c-9" decimals="-3" id="f-1980" unitRef="usd">6377534000</slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded>
    <slm:OffBalanceSheetCreditLossLiabilityWriteoff contextRef="c-10" decimals="-3" id="f-1981" unitRef="usd">344310000</slm:OffBalanceSheetCreditLossLiabilityWriteoff>
    <slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded contextRef="c-10" decimals="-3" id="f-1982" unitRef="usd">5961973000</slm:FairValueDisclosureOffBalanceSheetRisksAmountLiabilityCommitmentsFunded>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-7" decimals="-3" id="f-1983" unitRef="usd">84568000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-7" decimals="-3" id="f-1984" unitRef="usd">2311660000</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-8" decimals="-3" id="f-1985" unitRef="usd">112962000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-8" decimals="-3" id="f-1986" unitRef="usd">2221077000</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-31" decimals="-3" id="f-1987" unitRef="usd">124924000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability contextRef="c-31" decimals="-3" id="f-1988" unitRef="usd">1995808000</us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability>
    <us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="c-1" id="f-1989">Premises and Equipment, net &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 is a summary of our premises and equipment.&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:54.027%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:1.984%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.666%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.627%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.668%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;124,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;122,301&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Furniture, fixtures, and equipment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;35,519&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;34,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Software&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;115,132&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;106,422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Premises and equipment, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;287,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;275,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Accumulated depreciation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(168,221)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(145,646)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Premises and equipment, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;119,354&#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&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&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;129,501&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&#160;&#160;&#160;&#160;Depreciation expense for premises and equipment was $18 million, $18 million, and $17 million for the years ended December 31, 2024, 2023, and 2022, respectively.</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
    <us-gaap:PropertyPlantAndEquipmentTextBlock contextRef="c-1" id="f-1990">The following is a summary of our premises and equipment.&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:54.027%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:1.984%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.666%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.627%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.668%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;124,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;122,301&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Furniture, fixtures, and equipment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;35,519&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;34,068&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Software&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;115,132&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;106,422&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Premises and equipment, gross&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;287,575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;275,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Accumulated depreciation&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(168,221)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(145,646)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Premises and equipment, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;119,354&#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&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&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;129,501&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
    <us-gaap:PropertyPlantAndEquipmentGross contextRef="c-267" decimals="-3" id="f-1991" unitRef="usd">12356000</us-gaap:PropertyPlantAndEquipmentGross>
    <us-gaap:PropertyPlantAndEquipmentGross contextRef="c-268" decimals="-3" id="f-1992" unitRef="usd">12356000</us-gaap:PropertyPlantAndEquipmentGross>
    <us-gaap:PropertyPlantAndEquipmentGross contextRef="c-269" decimals="-3" id="f-1993" unitRef="usd">124568000</us-gaap:PropertyPlantAndEquipmentGross>
    <us-gaap:PropertyPlantAndEquipmentGross contextRef="c-270" decimals="-3" id="f-1994" unitRef="usd">122301000</us-gaap:PropertyPlantAndEquipmentGross>
    <us-gaap:PropertyPlantAndEquipmentGross contextRef="c-271" decimals="-3" id="f-1995" unitRef="usd">35519000</us-gaap:PropertyPlantAndEquipmentGross>
    <us-gaap:PropertyPlantAndEquipmentGross contextRef="c-272" decimals="-3" id="f-1996" unitRef="usd">34068000</us-gaap:PropertyPlantAndEquipmentGross>
    <us-gaap:PropertyPlantAndEquipmentGross contextRef="c-273" decimals="-3" id="f-1997" unitRef="usd">115132000</us-gaap:PropertyPlantAndEquipmentGross>
    <us-gaap:PropertyPlantAndEquipmentGross contextRef="c-274" decimals="-3" id="f-1998" unitRef="usd">106422000</us-gaap:PropertyPlantAndEquipmentGross>
    <us-gaap:PropertyPlantAndEquipmentGross contextRef="c-7" decimals="-3" id="f-1999" unitRef="usd">287575000</us-gaap:PropertyPlantAndEquipmentGross>
    <us-gaap:PropertyPlantAndEquipmentGross contextRef="c-8" decimals="-3" id="f-2000" unitRef="usd">275147000</us-gaap:PropertyPlantAndEquipmentGross>
    <us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="c-7" decimals="-3" id="f-2001" unitRef="usd">168221000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
    <us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment contextRef="c-8" decimals="-3" id="f-2002" unitRef="usd">145646000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
    <us-gaap:PropertyPlantAndEquipmentNet contextRef="c-7" decimals="-3" id="f-2003" unitRef="usd">119354000</us-gaap:PropertyPlantAndEquipmentNet>
    <us-gaap:PropertyPlantAndEquipmentNet contextRef="c-8" decimals="-3" id="f-2004" unitRef="usd">129501000</us-gaap:PropertyPlantAndEquipmentNet>
    <us-gaap:Depreciation contextRef="c-1" decimals="-6" id="f-2005" unitRef="usd">18000000</us-gaap:Depreciation>
    <us-gaap:Depreciation contextRef="c-9" decimals="-6" id="f-2006" unitRef="usd">18000000</us-gaap:Depreciation>
    <us-gaap:Depreciation contextRef="c-10" decimals="-6" id="f-2007" unitRef="usd">17000000</us-gaap:Depreciation>
    <us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock contextRef="c-1" id="f-2008">Goodwill and Acquired Intangible Assets &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;Goodwill&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 recorded as goodwill the excess of the purchase price over the estimated fair values of identifiable assets and liabilities acquired as part of the Nitro acquisition in the first quarter of 2022 and the Scholly acquisition in the third quarter of 2023. At December 31, 2024, we had $56&#160;million in total goodwill. See Note 2, &#x201c;Significant Accounting Policies &#x2014; Business Combinations&#x201d; in this Form 10-K for additional details on our acquisitions of Nitro and Scholly.&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;Goodwill is not amortized but is tested periodically for impairment. We test goodwill for impairment annually in the fourth quarter of the year, or more frequently if we believe that indicators of impairment exist. As a part of the 2024 annual impairment testing, we conducted a quantitative impairment test of goodwill associated with our education services business. We utilized the income approach to estimate the fair value of the reporting unit. The income approach measures the value of the reporting unit&#x2019;s future economic benefit determined by its discounted cash flows derived from our reporting unit&#x2019;s internal forecast. Based on the quantitative analysis, we determined that the fair value of the reporting unit exceeded its carrying value. Thus, no impairment charges were recorded during the year ended December 31, 2024.&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;Acquired Intangible Assets&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 intangible assets include acquired trade name and trademarks, customer relationships, developed technology, and partner relationships. We review our long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of such assets may not be recoverable. &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 fourth quarter of 2023, we determined that it was more likely than not that the Nitro trade name and trademark assets would not be used as originally intended due to changes in business strategy and, therefore, no longer held value. As a result, the Company performed an impairment review and wrote down the Nitro trade name and trademark to zero, which resulted in the recognition of a &lt;span style="-sec-ix-hidden:f-2010"&gt;non-cash pre-tax impairment loss&lt;/span&gt; of $56&#160;million. That impairment loss was recorded to acquired intangible assets impairment and amortization expense.&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 fourth quarter of 2024, we determined that it was more likely than not that the Scholly partner relationships  asset no longer held value. As a result, the Company performed an impairment review and wrote down the Scholly partner relationships asset to zero, which resulted in the recognition of a non-cash pre-tax impairment loss of less than $1&#160;million. That impairment loss was recorded to acquired intangible assets impairment and amortization expense.&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;Acquired intangible assets include the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;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:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.894%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.329%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.894%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.878%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.894%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.026%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.298%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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:#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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2023&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&gt;&lt;td colspan="3" style="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:8pt;font-weight:700;line-height:100%"&gt;Useful Life&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:8pt;font-weight:700;line-height:100%"&gt;(in years)&lt;/span&gt;&lt;span style="color:#144f82;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&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Cost Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Accumulated Amortization&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Cost Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Accumulated Amortization&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Net&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 style="padding-left:0.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Trade name and trademarks&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="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;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;4.0&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&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;6,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(2,139)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(629)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;5,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;div style="padding-left:0.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Customer relationships&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&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;4.6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;8,920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(6,465)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,455&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;8,920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(4,013)&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4,907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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="padding-left:0.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Developed technology&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:#ededee;padding:0 1pt"&gt;&lt;/td&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;3.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,590&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(1,661)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;929&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,590&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(908)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,682&#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&gt;&lt;/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:0.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Partner relationships&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&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;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(122)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 1.75pt;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;Sallie.com domain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;4.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;/tr&gt;&lt;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 acquired intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;17,700&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(10,271)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;7,429&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(5,672)&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&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&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;12,608&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt;padding-left:9pt;padding-right:9pt;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:8pt;font-weight:400;line-height:120%"&gt;The weighted average useful life of acquired intangible assets related to the Nitro acquisition is 4.6 years and the weighted average useful life of the acquired intangible assets related to the Scholly acquisition is 4.0 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt;padding-left:9pt;padding-right:9pt;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; Trade name and trademarks, customer relationships, and developed technology at December 31, 2024 include $4&#160;million, $1&#160;million, and $1&#160;million, respectively, related to the Scholly acquisition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:9pt;padding-right:9pt;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;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt; In 2023, we fully impaired the Nitro trade name and trademarks asset for $56&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:3pt;padding-left:9pt;padding-right:9pt;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;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt; In 2024, we fully impaired the Scholly partner relationships asset for less than $1&#160;million. &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 recorded amortization of acquired intangible assets totaling approximately $5&#160;million and $10&#160;million in the years ended December 31, 2024 and 2023, respectively. We will continue to amortize our intangible assets with definite useful lives over their remaining estimated useful lives. We estimate amortization expense associated with these intangible assets will be approximately $4&#160;million, $3&#160;million, and $1&#160;million in 2025, 2026, and 2027.&lt;/span&gt;&lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock>
    <us-gaap:Goodwill contextRef="c-7" decimals="-6" id="f-2009" unitRef="usd">56000000</us-gaap:Goodwill>
    <us-gaap:ImpairmentOfIntangibleAssetsFinitelived contextRef="c-275" decimals="-6" id="f-2011" unitRef="usd">56000000</us-gaap:ImpairmentOfIntangibleAssetsFinitelived>
    <us-gaap:ImpairmentOfIntangibleAssetsFinitelived contextRef="c-276" decimals="-6" id="f-2012" unitRef="usd">1000000</us-gaap:ImpairmentOfIntangibleAssetsFinitelived>
    <us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock contextRef="c-1" id="f-2013">&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;Acquired intangible assets include the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;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:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.894%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.329%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.894%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.878%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.894%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.990%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.026%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.298%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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:#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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2023&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&gt;&lt;td colspan="3" style="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:8pt;font-weight:700;line-height:100%"&gt;Useful Life&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:8pt;font-weight:700;line-height:100%"&gt;(in years)&lt;/span&gt;&lt;span style="color:#144f82;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&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Cost Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Accumulated Amortization&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Cost Basis&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Accumulated Amortization&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Net&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 style="padding-left:0.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Trade name and trademarks&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="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;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;4.0&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&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;6,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(2,139)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(629)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;5,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;div style="padding-left:0.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Customer relationships&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&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;4.6&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;8,920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(6,465)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,455&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;8,920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(4,013)&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4,907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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="padding-left:0.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Developed technology&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:#ededee;padding:0 1pt"&gt;&lt;/td&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;3.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,590&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(1,661)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;929&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,590&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(908)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,682&#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&gt;&lt;/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:0.75pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Partner relationships&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&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;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;730&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(122)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt 2px 1.75pt;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;Sallie.com domain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;4.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;150&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;/tr&gt;&lt;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 acquired intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;17,700&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(10,271)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;7,429&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,280&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(5,672)&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&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&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;12,608&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:9pt;padding-left:9pt;padding-right:9pt;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:8pt;font-weight:400;line-height:120%"&gt;The weighted average useful life of acquired intangible assets related to the Nitro acquisition is 4.6 years and the weighted average useful life of the acquired intangible assets related to the Scholly acquisition is 4.0 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;margin-top:6pt;padding-left:9pt;padding-right:9pt;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; Trade name and trademarks, customer relationships, and developed technology at December 31, 2024 include $4&#160;million, $1&#160;million, and $1&#160;million, respectively, related to the Scholly acquisition.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:3pt;padding-left:9pt;padding-right:9pt;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;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt; In 2023, we fully impaired the Nitro trade name and trademarks asset for $56&#160;million.&lt;/span&gt;&lt;/div&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; In 2024, we fully impaired the Scholly partner relationships asset for less than $1&#160;million.</us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock>
    <us-gaap:FiniteLivedIntangibleAssetUsefulLife contextRef="c-277" id="f-2014">P4Y</us-gaap:FiniteLivedIntangibleAssetUsefulLife>
    <us-gaap:FiniteLivedIntangibleAssetsGross contextRef="c-277" decimals="-3" id="f-2015" unitRef="usd">6040000</us-gaap:FiniteLivedIntangibleAssetsGross>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-277" decimals="-3" id="f-2016" unitRef="usd">2139000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-277" decimals="-3" id="f-2017" unitRef="usd">3901000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetsGross contextRef="c-278" decimals="-3" id="f-2018" unitRef="usd">6040000</us-gaap:FiniteLivedIntangibleAssetsGross>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-278" decimals="-3" id="f-2019" unitRef="usd">629000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-278" decimals="-3" id="f-2020" unitRef="usd">5411000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetUsefulLife contextRef="c-279" id="f-2021">P4Y7M6D</us-gaap:FiniteLivedIntangibleAssetUsefulLife>
    <us-gaap:FiniteLivedIntangibleAssetsGross contextRef="c-279" decimals="-3" id="f-2022" unitRef="usd">8920000</us-gaap:FiniteLivedIntangibleAssetsGross>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-279" decimals="-3" id="f-2023" unitRef="usd">6465000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-279" decimals="-3" id="f-2024" unitRef="usd">2455000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetsGross contextRef="c-280" decimals="-3" id="f-2025" unitRef="usd">8920000</us-gaap:FiniteLivedIntangibleAssetsGross>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-280" decimals="-3" id="f-2026" unitRef="usd">4013000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-280" decimals="-3" id="f-2027" unitRef="usd">4907000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetUsefulLife contextRef="c-281" id="f-2028">P3Y6M</us-gaap:FiniteLivedIntangibleAssetUsefulLife>
    <us-gaap:FiniteLivedIntangibleAssetsGross contextRef="c-281" decimals="-3" id="f-2029" unitRef="usd">2590000</us-gaap:FiniteLivedIntangibleAssetsGross>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-281" decimals="-3" id="f-2030" unitRef="usd">1661000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-281" decimals="-3" id="f-2031" unitRef="usd">929000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetsGross contextRef="c-282" decimals="-3" id="f-2032" unitRef="usd">2590000</us-gaap:FiniteLivedIntangibleAssetsGross>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-282" decimals="-3" id="f-2033" unitRef="usd">908000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-282" decimals="-3" id="f-2034" unitRef="usd">1682000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetsGross contextRef="c-283" decimals="-3" id="f-2035" unitRef="usd">0</us-gaap:FiniteLivedIntangibleAssetsGross>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-283" decimals="-3" id="f-2036" unitRef="usd">0</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-283" decimals="-3" id="f-2037" unitRef="usd">0</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetsGross contextRef="c-284" decimals="-3" id="f-2038" unitRef="usd">730000</us-gaap:FiniteLivedIntangibleAssetsGross>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-284" decimals="-3" id="f-2039" unitRef="usd">122000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-284" decimals="-3" id="f-2040" unitRef="usd">608000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetUsefulLife contextRef="c-285" id="f-2041">P4Y</us-gaap:FiniteLivedIntangibleAssetUsefulLife>
    <us-gaap:FiniteLivedIntangibleAssetsGross contextRef="c-285" decimals="-3" id="f-2042" unitRef="usd">150000</us-gaap:FiniteLivedIntangibleAssetsGross>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-285" decimals="-3" id="f-2043" unitRef="usd">6000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-285" decimals="-3" id="f-2044" unitRef="usd">144000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetsGross contextRef="c-286" decimals="-3" id="f-2045" unitRef="usd">0</us-gaap:FiniteLivedIntangibleAssetsGross>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-286" decimals="-3" id="f-2046" unitRef="usd">0</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-286" decimals="-3" id="f-2047" unitRef="usd">0</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetsGross contextRef="c-7" decimals="-3" id="f-2048" unitRef="usd">17700000</us-gaap:FiniteLivedIntangibleAssetsGross>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-7" decimals="-3" id="f-2049" unitRef="usd">10271000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-7" decimals="-3" id="f-2050" unitRef="usd">7429000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetsGross contextRef="c-8" decimals="-3" id="f-2051" unitRef="usd">18280000</us-gaap:FiniteLivedIntangibleAssetsGross>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-8" decimals="-3" id="f-2052" unitRef="usd">5672000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-8" decimals="-3" id="f-2053" unitRef="usd">12608000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife contextRef="c-287" id="f-2054">P4Y7M6D</us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife>
    <us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife contextRef="c-288" id="f-2055">P4Y</us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-289" decimals="-6" id="f-2056" unitRef="usd">4000000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-290" decimals="-6" id="f-2057" unitRef="usd">1000000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-291" decimals="-6" id="f-2058" unitRef="usd">1000000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:ImpairmentOfIntangibleAssetsFinitelived contextRef="c-292" decimals="-6" id="f-2059" unitRef="usd">56000000</us-gaap:ImpairmentOfIntangibleAssetsFinitelived>
    <us-gaap:ImpairmentOfIntangibleAssetsFinitelived contextRef="c-276" decimals="-6" id="f-2060" unitRef="usd">1000000</us-gaap:ImpairmentOfIntangibleAssetsFinitelived>
    <us-gaap:AmortizationOfIntangibleAssets contextRef="c-1" decimals="-6" id="f-2061" unitRef="usd">5000000</us-gaap:AmortizationOfIntangibleAssets>
    <us-gaap:AmortizationOfIntangibleAssets contextRef="c-9" decimals="-6" id="f-2062" unitRef="usd">10000000</us-gaap:AmortizationOfIntangibleAssets>
    <us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths contextRef="c-7" decimals="-6" id="f-2063" unitRef="usd">4000000</us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths>
    <us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo contextRef="c-7" decimals="-6" id="f-2064" unitRef="usd">3000000</us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo>
    <us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearThree contextRef="c-7" decimals="-6" id="f-2065" unitRef="usd">1000000</us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearThree>
    <us-gaap:DepositLiabilitiesDisclosuresTextBlock contextRef="c-1" id="f-2066">Deposits&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 summarizes total deposits at December 31, 2024 and 2023.&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&gt;&lt;td style="width:59.863%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.004%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.213%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.004%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.216%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&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&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;21,066,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;21,651,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Deposits - non-interest-bearing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,816&#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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,531&#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;/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 deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;21,068,568&#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&gt;&lt;td colspan="3" style="display:none"&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&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;21,653,188&#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&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 $21.1 billion were comprised of $9.5 billion in brokered deposits and $11.6 billion in retail and other deposits at December 31, 2024, compared with total deposits of $21.7 billion, which were comprised of $10.3 billion in brokered deposits and $11.4 billion in retail and other deposits, at December 31, 2023.&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, 2024 and 2023 consisted of retail and brokered non-maturity savings deposits, retail and brokered non-maturity MMDAs, and retail and brokered CDs. Interest-bearing deposits also include deposits from Educational 529 and Health Savings plans that diversify our funding sources and that we consider to be core. These and other large omnibus accounts, aggregating the deposits of many individual depositors, represented $7.0&#160;billion of our deposit total as of December 31, 2024, compared with $7.6 billion at December 31, 2023. The omnibus accounts are structured in such a way that entitles the individual depositor pass-through deposit insurance (subject to FDIC rules and limitations), and the majority of these deposits have contractual minimum balances and maturity terms.&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 $11 million, $12 million, and $13 million in the years ended December 31, 2024, 2023, and 2022, respectively. Fees paid to third-party brokers related to brokered CDs were $8 million, $8 million, and $13 million during the years ended December 31, 2024, 2023, and 2022, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;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, 2024 and 2023 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:76.111%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.586%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.077%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.498%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.712%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.712%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.498%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.712%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.954%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&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&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&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&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&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Money market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;9,582,290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4.27&#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: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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;10,258,292&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4.85&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;944,034&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;945,000&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4.35&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,540,428&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4.20&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,448,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3.69&#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;/td&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&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;21,066,752&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;21,651,657&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&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&gt;&lt;td style="width:57.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.078%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.337%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.078%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.340%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2023&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&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;6,569,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;3,937,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,074,849&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4,112,902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;986,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,881,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;189,421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;327,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;720,005&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;188,802&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;After five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,540,428&#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&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&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;10,448,365&#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&gt;&lt;/tr&gt;&lt;/table&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, 2024 and 2023, there were $567 million and $478 million, respectively, of deposits exceeding FDIC insurance limits. Accrued interest on deposits was $92 million and $91 million at December 31, 2024 and 2023, respectively.&lt;/span&gt;&lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
    <slm:ScheduleofDepositsTableTextBlock contextRef="c-1" id="f-2067">&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 summarizes total deposits at December 31, 2024 and 2023.&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&gt;&lt;td style="width:59.863%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.004%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.213%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.004%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.216%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&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&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;21,066,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;21,651,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Deposits - non-interest-bearing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,816&#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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,531&#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;/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 deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;21,068,568&#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&gt;&lt;td colspan="3" style="display:none"&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&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;21,653,188&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</slm:ScheduleofDepositsTableTextBlock>
    <us-gaap:InterestBearingDepositLiabilities contextRef="c-7" decimals="-3" id="f-2068" unitRef="usd">21066752000</us-gaap:InterestBearingDepositLiabilities>
    <us-gaap:InterestBearingDepositLiabilities contextRef="c-8" decimals="-3" id="f-2069" unitRef="usd">21651657000</us-gaap:InterestBearingDepositLiabilities>
    <us-gaap:NoninterestBearingDepositLiabilities contextRef="c-7" decimals="-3" id="f-2070" unitRef="usd">1816000</us-gaap:NoninterestBearingDepositLiabilities>
    <us-gaap:NoninterestBearingDepositLiabilities contextRef="c-8" decimals="-3" id="f-2071" unitRef="usd">1531000</us-gaap:NoninterestBearingDepositLiabilities>
    <us-gaap:Deposits contextRef="c-7" decimals="-3" id="f-2072" unitRef="usd">21068568000</us-gaap:Deposits>
    <us-gaap:Deposits contextRef="c-8" decimals="-3" id="f-2073" unitRef="usd">21653188000</us-gaap:Deposits>
    <us-gaap:Deposits contextRef="c-7" decimals="-8" id="f-2074" unitRef="usd">21100000000</us-gaap:Deposits>
    <slm:BrokeredDeposits contextRef="c-7" decimals="-8" id="f-2075" unitRef="usd">9500000000</slm:BrokeredDeposits>
    <slm:RetailandOtherDeposits contextRef="c-7" decimals="-8" id="f-2076" unitRef="usd">11600000000</slm:RetailandOtherDeposits>
    <us-gaap:Deposits contextRef="c-8" decimals="-8" id="f-2077" unitRef="usd">21700000000</us-gaap:Deposits>
    <slm:BrokeredDeposits contextRef="c-8" decimals="-8" id="f-2078" unitRef="usd">10300000000</slm:BrokeredDeposits>
    <slm:RetailandOtherDeposits contextRef="c-8" decimals="-8" id="f-2079" unitRef="usd">11400000000</slm:RetailandOtherDeposits>
    <slm:StableInterestbearingDepositsTotal contextRef="c-7" decimals="-8" id="f-2080" unitRef="usd">7000000000</slm:StableInterestbearingDepositsTotal>
    <slm:StableInterestbearingDepositsTotal contextRef="c-8" decimals="-8" id="f-2081" unitRef="usd">7600000000</slm:StableInterestbearingDepositsTotal>
    <slm:BrokeredDepositPlacementFee contextRef="c-1" decimals="-6" id="f-2082" unitRef="usd">11000000</slm:BrokeredDepositPlacementFee>
    <slm:BrokeredDepositPlacementFee contextRef="c-9" decimals="-6" id="f-2083" unitRef="usd">12000000</slm:BrokeredDepositPlacementFee>
    <slm:BrokeredDepositPlacementFee contextRef="c-10" decimals="-6" id="f-2084" unitRef="usd">13000000</slm:BrokeredDepositPlacementFee>
    <slm:ThirdPartyBrokerFeesPaid contextRef="c-1" decimals="-6" id="f-2085" unitRef="usd">8000000</slm:ThirdPartyBrokerFeesPaid>
    <slm:ThirdPartyBrokerFeesPaid contextRef="c-9" decimals="-6" id="f-2086" unitRef="usd">8000000</slm:ThirdPartyBrokerFeesPaid>
    <slm:ThirdPartyBrokerFeesPaid contextRef="c-10" decimals="-6" id="f-2087" unitRef="usd">13000000</slm:ThirdPartyBrokerFeesPaid>
    <slm:InterestBearingDepositsTableTextBlock contextRef="c-1" id="f-2088">&lt;div style="margin-top:12pt;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, 2024 and 2023 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:76.111%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.586%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.077%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.498%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.712%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.712%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.498%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.712%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.954%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&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&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&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&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&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Money market&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;9,582,290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4.27&#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: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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;10,258,292&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4.85&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;944,034&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;945,000&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4.35&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,540,428&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4.20&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,448,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3.69&#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;/td&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&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;21,066,752&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;21,651,657&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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>
    <us-gaap:InterestBearingDomesticDepositMoneyMarket contextRef="c-7" decimals="-3" id="f-2089" unitRef="usd">9582290000</us-gaap:InterestBearingDomesticDepositMoneyMarket>
    <us-gaap:WeightedAverageRateDomesticDepositMoneyMarket contextRef="c-7" decimals="4" id="f-2090" unitRef="number">0.0427</us-gaap:WeightedAverageRateDomesticDepositMoneyMarket>
    <us-gaap:InterestBearingDomesticDepositMoneyMarket contextRef="c-8" decimals="-3" id="f-2091" unitRef="usd">10258292000</us-gaap:InterestBearingDomesticDepositMoneyMarket>
    <us-gaap:WeightedAverageRateDomesticDepositMoneyMarket contextRef="c-8" decimals="4" id="f-2092" unitRef="number">0.0485</us-gaap:WeightedAverageRateDomesticDepositMoneyMarket>
    <us-gaap:InterestBearingDomesticDepositSavings contextRef="c-7" decimals="-3" id="f-2093" unitRef="usd">944034000</us-gaap:InterestBearingDomesticDepositSavings>
    <us-gaap:WeightedAverageRateDomesticDepositSavings contextRef="c-7" decimals="4" id="f-2094" unitRef="number">0.0402</us-gaap:WeightedAverageRateDomesticDepositSavings>
    <us-gaap:InterestBearingDomesticDepositSavings contextRef="c-8" decimals="-3" id="f-2095" unitRef="usd">945000000</us-gaap:InterestBearingDomesticDepositSavings>
    <us-gaap:WeightedAverageRateDomesticDepositSavings contextRef="c-8" decimals="4" id="f-2096" unitRef="number">0.0435</us-gaap:WeightedAverageRateDomesticDepositSavings>
    <us-gaap:InterestBearingDomesticDepositTimeDeposits contextRef="c-7" decimals="-3" id="f-2097" unitRef="usd">10540428000</us-gaap:InterestBearingDomesticDepositTimeDeposits>
    <us-gaap:WeightedAverageRateDomesticDepositTimeDeposits contextRef="c-7" decimals="4" id="f-2098" unitRef="number">0.0420</us-gaap:WeightedAverageRateDomesticDepositTimeDeposits>
    <us-gaap:InterestBearingDomesticDepositTimeDeposits contextRef="c-8" decimals="-3" id="f-2099" unitRef="usd">10448365000</us-gaap:InterestBearingDomesticDepositTimeDeposits>
    <us-gaap:WeightedAverageRateDomesticDepositTimeDeposits contextRef="c-8" decimals="4" id="f-2100" unitRef="number">0.0369</us-gaap:WeightedAverageRateDomesticDepositTimeDeposits>
    <us-gaap:InterestBearingDepositLiabilities contextRef="c-7" decimals="-3" id="f-2101" unitRef="usd">21066752000</us-gaap:InterestBearingDepositLiabilities>
    <us-gaap:InterestBearingDepositLiabilities contextRef="c-8" decimals="-3" id="f-2102" unitRef="usd">21651657000</us-gaap:InterestBearingDepositLiabilities>
    <slm:ScheduleofMaturitiesofTimeDepositsTableTextBlock contextRef="c-1" id="f-2103">&lt;div&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&gt;&lt;td style="width:57.467%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.078%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.337%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.078%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.340%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:#5078a1;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;2023&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&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;6,569,872&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;3,937,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,074,849&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4,112,902&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;986,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,881,371&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;189,421&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;327,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;720,005&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;188,802&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;After five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,540,428&#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&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&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;10,448,365&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</slm:ScheduleofMaturitiesofTimeDepositsTableTextBlock>
    <us-gaap:TimeDepositMaturitiesYearOne contextRef="c-7" decimals="-3" id="f-2104" unitRef="usd">6569872000</us-gaap:TimeDepositMaturitiesYearOne>
    <us-gaap:TimeDepositMaturitiesYearOne contextRef="c-8" decimals="-3" id="f-2105" unitRef="usd">3937766000</us-gaap:TimeDepositMaturitiesYearOne>
    <us-gaap:TimeDepositMaturitiesYearTwo contextRef="c-7" decimals="-3" id="f-2106" unitRef="usd">2074849000</us-gaap:TimeDepositMaturitiesYearTwo>
    <us-gaap:TimeDepositMaturitiesYearTwo contextRef="c-8" decimals="-3" id="f-2107" unitRef="usd">4112902000</us-gaap:TimeDepositMaturitiesYearTwo>
    <us-gaap:TimeDepositMaturitiesYearThree contextRef="c-7" decimals="-3" id="f-2108" unitRef="usd">986262000</us-gaap:TimeDepositMaturitiesYearThree>
    <us-gaap:TimeDepositMaturitiesYearThree contextRef="c-8" decimals="-3" id="f-2109" unitRef="usd">1881371000</us-gaap:TimeDepositMaturitiesYearThree>
    <us-gaap:TimeDepositMaturitiesYearFour contextRef="c-7" decimals="-3" id="f-2110" unitRef="usd">189421000</us-gaap:TimeDepositMaturitiesYearFour>
    <us-gaap:TimeDepositMaturitiesYearFour contextRef="c-8" decimals="-3" id="f-2111" unitRef="usd">327295000</us-gaap:TimeDepositMaturitiesYearFour>
    <us-gaap:TimeDepositMaturitiesYearFive contextRef="c-7" decimals="-3" id="f-2112" unitRef="usd">720005000</us-gaap:TimeDepositMaturitiesYearFive>
    <us-gaap:TimeDepositMaturitiesYearFive contextRef="c-8" decimals="-3" id="f-2113" unitRef="usd">188802000</us-gaap:TimeDepositMaturitiesYearFive>
    <us-gaap:TimeDepositMaturitiesAfterYearFive contextRef="c-7" decimals="-3" id="f-2114" unitRef="usd">19000</us-gaap:TimeDepositMaturitiesAfterYearFive>
    <us-gaap:TimeDepositMaturitiesAfterYearFive contextRef="c-8" decimals="-3" id="f-2115" unitRef="usd">229000</us-gaap:TimeDepositMaturitiesAfterYearFive>
    <us-gaap:TimeDeposits contextRef="c-7" decimals="-3" id="f-2116" unitRef="usd">10540428000</us-gaap:TimeDeposits>
    <us-gaap:TimeDeposits contextRef="c-8" decimals="-3" id="f-2117" unitRef="usd">10448365000</us-gaap:TimeDeposits>
    <us-gaap:CashUninsuredAmount contextRef="c-7" decimals="-6" id="f-2118" unitRef="usd">567000000</us-gaap:CashUninsuredAmount>
    <us-gaap:CashUninsuredAmount contextRef="c-8" decimals="-6" id="f-2119" unitRef="usd">478000000</us-gaap:CashUninsuredAmount>
    <us-gaap:InterestPayableCurrent contextRef="c-7" decimals="-6" id="f-2120" unitRef="usd">92000000</us-gaap:InterestPayableCurrent>
    <us-gaap:InterestPayableCurrent contextRef="c-8" decimals="-6" id="f-2121" unitRef="usd">91000000</us-gaap:InterestPayableCurrent>
    <us-gaap:DebtDisclosureTextBlock contextRef="c-1" id="f-2122">Borrowings &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:112%"&gt;Outstanding borrowings consist of unsecured debt and secured borrowings issued through our term asset-backed securities (&#x201c;ABS&#x201d;) 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, 2024 and 2023. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:10.5pt;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&gt;&lt;td style="width:26.946%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.472%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.060%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.206%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.060%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.206%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.506%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2023&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Unsecured debt (fixed-rate)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;995,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;995,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;992,200&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;992,200&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;995,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;995,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;992,200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;992,200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Secured borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Fixed-rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,617,743&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,617,743&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,585,254&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,585,254&#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;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;827,182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;827,182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;650,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;650,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Secured Borrowing Facility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,440,345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;6,440,345&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,227,512&#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&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&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;5,227,512&#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&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: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;Secured Financings&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 June 14, 2024, we amended our $2 billion maximum Secured Borrowing Facility to extend the maturity. We hold 100 percent of the residual interest in the Secured Borrowing Facility trust.&#160;The amendment extended the revolving period, during which we may borrow, repay, and reborrow funds, until June 13, 2025.&#160;The scheduled amortization period, during which amounts outstanding under the Secured Borrowing Facility must be repaid, ends on June 13, 2026 (or earlier, if certain material adverse events occur). The one-year revolving period plus the one-year amortization period results in a contractual maturity that is two years from the date of inception or renewal; 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. For the years ended December 31, 2024 and December 31, 2023, there were no outstanding short-term borrowings 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;With the Secured Borrowing Facility, we incur financing costs on the unused borrowing capacity and on any outstanding advances. The non-use fee is based upon the Facility&#x2019;s maximum borrowing limit of $2&#160;billion, for both 2024 and 2023, and is applied to the unfunded balance. The Facility non-use fee was 55 basis points in both 2024 and 2023. &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;Long-term Borrowings&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-weight:400;line-height:115%"&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 2056.&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&gt;&lt;td style="width:25.365%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.676%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.543%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.676%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.476%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Year Ended&lt;br/&gt;December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Year Ended&lt;br/&gt;December 31, 2023&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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;Long-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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Floating-rate borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;827,182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5.71&#160;&lt;/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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;724,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;650,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6.51&#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;span style="color:#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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;715,409&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Fixed-rate borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;5,613,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4.09&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,864,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,577,454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3.52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,605,806&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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:#ffffff;padding:0 1pt"&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;6,440,345&#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&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&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;4.30&#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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,589,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,227,512&#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&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&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;3.89&#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&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;5,321,215&#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&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;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December&#160;31, 2024, the maturities of our brokered CDs 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:63.750%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.368%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.889%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.496%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.889%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.675%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.889%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.333%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2024&lt;br/&gt;(dollars in thousands)&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;Brokered CDs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Unsecured&lt;br/&gt;Debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;Secured Borrowings&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&gt;&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="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2025&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;2,763,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;498,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;823,843&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4,086,141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2026&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;1,824,607&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;496,523&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;840,927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,162,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2027&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;783,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;823,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,606,381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2028&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;146,282&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;642,798&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;789,080&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2029&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;683,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;568,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,252,527&#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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2030 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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,764,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,764,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;6,201,099&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;995,420&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;5,464,567&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;12,661,086&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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;(241)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(241)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:#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;6,200,858&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;995,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,464,567&#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&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&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;12,660,845&#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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:126pt;padding-right:108pt;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 secured borrowings as long-term based on the contractual maturity dates ranging from 2032 to 2056. However, the actual maturity of our secured borrowings depends on the prepayment speeds of the underlying collateralized loans. To disclose how we expect this debt to pay down over time, the maturities for our secured borrowings are based on the projected bond principal paydowns using the current estimated loan prepayment speeds.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:18pt;text-indent:-4.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;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:115%"&gt;Unsecured Financing Transactions&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:112%"&gt;On October 29, 2020, we issued $500&#160;million of 4.20 percent unsecured Senior Notes due October 29, 2025. At December 31, 2024, the outstanding balance was $499&#160;million. This unsecured borrowing remained classified as long-term as of December 31, 2024 in accordance with our ability and intent to refinance the debt on a long-term basis. On February 18, 2025, we redeemed these Senior Notes with proceeds from $500 million of 6.50 percent unsecured Senior Notes issued on January 31, 2025 and due January 31, 2030. See Note 23, &#x201c;Subsequent Events&#x201d; in this Form 10-K for additional information.&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 $500&#160;million of  3.125 percent unsecured Senior Notes due November 2, 2026, at a price of 99.43 percent. At December 31, 2024, the outstanding balance was $496&#160;million.&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 Financing Transactions&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 summarizes our term funding collateralized by pools of Private Education Loans in the long-term ABS market issued in 2023 and 2024 in which we retained 100 percent of the residual class certificates. &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;               &lt;/span&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&gt;&lt;td style="width:19.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.520%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.191%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.520%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.706%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.520%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.706%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.376%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.706%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.520%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.317%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.520%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:700;line-height:100%"&gt;SMB Private Education Loan Trust&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Date Closed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;Loans Transferred to the Trust&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&gt;&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;Notes&lt;br/&gt;Issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Gross&lt;br/&gt;Proceeds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(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&gt;&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 of Class A and Class B Notes&lt;br/&gt;(in years)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:left;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-A ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;March 15, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;644,573&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;579,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;571,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;SOFR plus 1.53%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;5.06&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2023-C ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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 16, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;647,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;568,000&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;567,881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;SOFR plus 1.69%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;4.93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,292,507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,147,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,139,791&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:left;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-C ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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 15, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;733,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;668,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;667,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;SOFR plus 1.19%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;5.36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2024-E ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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 14, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;944,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;868,000&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;867,743&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;SOFR plus 1.42%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;5.17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:left;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-F ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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 6, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;732,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;680,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;679,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;SOFR plus 1.08%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;5.09&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,410,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;2,216,000&#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&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&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;2,215,612&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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="padding-left:56.25pt;padding-right:54pt;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 transfer of such loans did not qualify for sale treatment and thus remain on our consolidated balance sheet.  At December 31, 2024, the following Private Education Loan amounts remain encumbered related to these transactions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:20.25pt;padding-right:54pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:61.944%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:41.725%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.921%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.837%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.921%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.837%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.921%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.838%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;SMB Private Education Loan Trust&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Loan Principal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Capitalized &lt;br/&gt;Interest&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Total Loans&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;2023-A ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;484,551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;32,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;517,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2023-C ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;516,507&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;35,287&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;551,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,001,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;68,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,069,201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2024-C ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;646,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;52,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;699,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2024-E ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;841,355&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;69,238&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;910,593&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;2024-F ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;662,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;55,131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;717,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&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 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,150,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;177,337&#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&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&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;2,327,603&#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&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: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;Represents SOFR equivalent cost of funds for variable and fixed-rate bonds, excluding issuance costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:20.25pt;padding-right:54pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;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:115%"&gt;Pre-2023 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 2023, we executed a total of $10.38 billion in ABS transactions that were accounted for as secured financings. At December 31, 2024, $3.74 billion of our Private Education Loans, including $3.63 billion of principal and $107 million in capitalized interest, were encumbered as a result of these 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&gt;&lt;td style="width:18.231%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.398%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.526%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.526%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.526%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.526%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.526%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.946%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.526%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.519%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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, 2024&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&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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&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 Net 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&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&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&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&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&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&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, Net&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,786,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;173,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;418,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;7,378,987&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,444,925&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;6,786,390&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;173,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;418,803&#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&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&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;7,379,085&#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&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&gt;&lt;td style="width:18.175%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.394%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.479%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.524%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.479%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.814%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.479%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.524%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.479%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.524%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.479%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.524%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.914%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.524%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.488%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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, 2023&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&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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&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 Net 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&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&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&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&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&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&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, Net&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,539,964&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;149,412&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;303,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,993,029&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;4,235,312&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,539,964&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;149,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;303,753&#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&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&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;5,993,129&#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&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, net primarily represents accrued interest receivable and payable.&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;Unconsolidated Funding Vehicles&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. 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 to meet risk retention requirements. We were not required to consolidate these entities because the fees we receive as the servicer/administrator are commensurate with our responsibility, so the fees are not considered a variable interest. Additionally, the five percent vertical interest we maintain does not absorb more than an insignificant amount of the VIE&#x2019;s expected losses, nor do we receive more than an insignificant amount of the VIE&#x2019;s expected residual returns. We classified those vertical risk retention interests related to the securitization transactions listed below as available-for-sale investments, except for the interest in the residual class, which we classified as trading investments recorded at fair value with changes recorded through earnings. The following summarizes our Private Education Loan ABS transactions closed in 2023 and 2024 where the respective VIEs were not consolidated.&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;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.186%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.841%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.251%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.536%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.112%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.474%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;SMB Private Education Loan Trust&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;Date Closed&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;Loans Transferred to the Trust by Third-Party Seller&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;Date Third-Party Seller Previously Purchased Loans from the Bank&lt;/span&gt;&lt;/td&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;Additional Loans the Bank Transferred to the Trust&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:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gain on Sale for Additional Loans Transferred by Bank&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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:9pt;font-weight:400;line-height:100%"&gt;2023-B ABS transaction&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:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;May 24, 2023&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,988,277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;May 3, 2023&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;104,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2023-D ABS transaction&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:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;November 7, 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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;995,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;October 13, 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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;52,572&#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&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:9pt;font-weight:400;line-height:100%"&gt;1,570&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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:9pt;font-weight:400;line-height:100%"&gt;2024-A ABS transaction&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:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;March 13, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,988,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;February 1, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;104,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2024-R1 ABS transaction&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:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;April 9, 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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;68,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;n/a&lt;/span&gt;&lt;/td&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: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:top"&gt;&lt;/td&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: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:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;2024-B ABS transaction&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:#dbdbdb;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;April 11, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;191,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;March&#160;6, 2020 and&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:100%"&gt;&#160;&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:100%"&gt;November&#160;17, 2021&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2024-D ABS transaction&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:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;June 28, 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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,494,953&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;May 23, 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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;78,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,051&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&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: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 transfer of such additional loans qualified for sale treatment and removed these loans from our balance sheet on the settlement date of the transaction.&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: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;Sallie Mae Bank sponsored the transaction and is the servicer and administrator.&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: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;An unaffiliated third party sold to the Trust approximately $69 million of Private Education Loan residual flows from our 2020-PTA and 2020-PTB transactions through a re-securitization. Sallie Mae Bank sponsored the 2024-R1 transaction and is the administrator of the Trust.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;padding-left:20.25pt;padding-right:54pt;text-indent:24.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;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;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&gt;&lt;td style="width:23.487%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.120%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.616%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.780%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.285%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.966%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:2.035%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.626%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.285%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.626%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.615%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.298%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2023&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&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&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&gt;&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&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&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&gt;&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&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;571,795&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;625,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;423,327&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;477,808&#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&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: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; 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: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; Vertical risk retention interest classified as trading investment. &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;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, 2023. 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, 2024 and 2023.&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 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, 2024 and December 31, 2023, the value of our pledged collateral at the FRB totaled $2.2 billion and $1.6 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, 2024 and 2023.&lt;/span&gt;&lt;/div&gt;</us-gaap:DebtDisclosureTextBlock>
    <us-gaap:ScheduleOfDebtTableTextBlock contextRef="c-1" id="f-2123">The following table summarizes our secured borrowings at December 31, 2024 and 2023. &lt;div style="margin-top:10.5pt;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&gt;&lt;td style="width:26.946%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.472%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.060%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.206%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.060%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.206%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.506%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2023&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Unsecured debt (fixed-rate)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;995,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;995,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;992,200&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;992,200&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;995,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;995,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;992,200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;992,200&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Secured borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Fixed-rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,617,743&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,617,743&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,585,254&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,585,254&#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;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;827,182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;827,182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;650,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;650,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Secured Borrowing Facility&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,440,345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;6,440,345&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,227,512&#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&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&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;5,227,512&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDebtTableTextBlock>
    <us-gaap:ShortTermBorrowings contextRef="c-293" decimals="-3" id="f-2124" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-293" decimals="-3" id="f-2125" unitRef="usd">995420000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-293" decimals="-3" id="f-2126" unitRef="usd">995420000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-294" decimals="-3" id="f-2127" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-294" decimals="-3" id="f-2128" unitRef="usd">992200000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-294" decimals="-3" id="f-2129" unitRef="usd">992200000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-293" decimals="-3" id="f-2130" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-293" decimals="-3" id="f-2131" unitRef="usd">995420000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-293" decimals="-3" id="f-2132" unitRef="usd">995420000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-294" decimals="-3" id="f-2133" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-294" decimals="-3" id="f-2134" unitRef="usd">992200000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-294" decimals="-3" id="f-2135" unitRef="usd">992200000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-295" decimals="-3" id="f-2136" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-295" decimals="-3" id="f-2137" unitRef="usd">4617743000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-295" decimals="-3" id="f-2138" unitRef="usd">4617743000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-296" decimals="-3" id="f-2139" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-296" decimals="-3" id="f-2140" unitRef="usd">3585254000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-296" decimals="-3" id="f-2141" unitRef="usd">3585254000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-297" decimals="-3" id="f-2142" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-297" decimals="-3" id="f-2143" unitRef="usd">827182000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-297" decimals="-3" id="f-2144" unitRef="usd">827182000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-298" decimals="-3" id="f-2145" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-298" decimals="-3" id="f-2146" unitRef="usd">650058000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-298" decimals="-3" id="f-2147" unitRef="usd">650058000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-299" decimals="-3" id="f-2148" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-299" decimals="-3" id="f-2149" unitRef="usd">5444925000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-299" decimals="-3" id="f-2150" unitRef="usd">5444925000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-300" decimals="-3" id="f-2151" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-300" decimals="-3" id="f-2152" unitRef="usd">4235312000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-300" decimals="-3" id="f-2153" unitRef="usd">4235312000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-301" decimals="-3" id="f-2154" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-301" decimals="-3" id="f-2155" unitRef="usd">0</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-301" decimals="-3" id="f-2156" unitRef="usd">0</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-302" decimals="-3" id="f-2157" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-302" decimals="-3" id="f-2158" unitRef="usd">0</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-302" decimals="-3" id="f-2159" unitRef="usd">0</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-303" decimals="-3" id="f-2160" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-303" decimals="-3" id="f-2161" unitRef="usd">5444925000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-303" decimals="-3" id="f-2162" unitRef="usd">5444925000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-304" decimals="-3" id="f-2163" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-304" decimals="-3" id="f-2164" unitRef="usd">4235312000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-304" decimals="-3" id="f-2165" unitRef="usd">4235312000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-7" decimals="-3" id="f-2166" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-7" decimals="-3" id="f-2167" unitRef="usd">6440345000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-7" decimals="-3" id="f-2168" unitRef="usd">6440345000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:ShortTermBorrowings contextRef="c-8" decimals="-3" id="f-2169" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-8" decimals="-3" id="f-2170" unitRef="usd">5227512000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-8" decimals="-3" id="f-2171" unitRef="usd">5227512000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="c-305" decimals="INF" id="f-2172" unitRef="usd">2000000000</us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>
    <slm:ResidualInterestPercentageOfFacilityTrust
      contextRef="c-305"
      decimals="INF"
      id="f-2173"
      unitRef="number">1</slm:ResidualInterestPercentageOfFacilityTrust>
    <us-gaap:LineOfCreditFacilityExpirationPeriod contextRef="c-306" id="f-2174">P2Y</us-gaap:LineOfCreditFacilityExpirationPeriod>
    <us-gaap:LinesOfCreditCurrent contextRef="c-307" decimals="-6" id="f-2175" unitRef="usd">0</us-gaap:LinesOfCreditCurrent>
    <us-gaap:LinesOfCreditCurrent contextRef="c-308" decimals="-6" id="f-2176" unitRef="usd">0</us-gaap:LinesOfCreditCurrent>
    <us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="c-309" decimals="INF" id="f-2177" unitRef="usd">2000000000</us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>
    <us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="c-310" decimals="INF" id="f-2178" unitRef="usd">2000000000</us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>
    <us-gaap:LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage
      contextRef="c-311"
      decimals="INF"
      id="f-2179"
      unitRef="number">0.0055</us-gaap:LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage>
    <us-gaap:LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage
      contextRef="c-312"
      decimals="INF"
      id="f-2180"
      unitRef="number">0.0055</us-gaap:LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage>
    <us-gaap:ScheduleOfDebtInstrumentsTextBlock contextRef="c-1" id="f-2181">&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-weight:400;line-height:115%"&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 2056.&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&gt;&lt;td style="width:25.365%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.676%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.543%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.468%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.676%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.592%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.476%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Year Ended&lt;br/&gt;December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Year Ended&lt;br/&gt;December 31, 2023&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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;Long-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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Floating-rate borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;827,182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5.71&#160;&lt;/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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;724,761&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;650,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6.51&#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;span style="color:#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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;715,409&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Fixed-rate borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;5,613,163&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4.09&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,864,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,577,454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3.52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,605,806&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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:#ffffff;padding:0 1pt"&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;6,440,345&#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&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&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;4.30&#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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,589,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,227,512&#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&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&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;3.89&#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&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;5,321,215&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDebtInstrumentsTextBlock>
    <us-gaap:LongTermDebt contextRef="c-313" decimals="-3" id="f-2182" unitRef="usd">827182000</us-gaap:LongTermDebt>
    <us-gaap:LongtermDebtWeightedAverageInterestRate
      contextRef="c-313"
      decimals="4"
      id="f-2183"
      unitRef="number">0.0571</us-gaap:LongtermDebtWeightedAverageInterestRate>
    <slm:LongTermDebtWeightedAverageOutstandingBalance contextRef="c-314" decimals="-3" id="f-2184" unitRef="usd">724761000</slm:LongTermDebtWeightedAverageOutstandingBalance>
    <us-gaap:LongTermDebt contextRef="c-315" decimals="-3" id="f-2185" unitRef="usd">650058000</us-gaap:LongTermDebt>
    <us-gaap:LongtermDebtWeightedAverageInterestRate
      contextRef="c-315"
      decimals="4"
      id="f-2186"
      unitRef="number">0.0651</us-gaap:LongtermDebtWeightedAverageInterestRate>
    <slm:LongTermDebtWeightedAverageOutstandingBalance contextRef="c-316" decimals="-3" id="f-2187" unitRef="usd">715409000</slm:LongTermDebtWeightedAverageOutstandingBalance>
    <us-gaap:LongTermDebt contextRef="c-317" decimals="-3" id="f-2188" unitRef="usd">5613163000</us-gaap:LongTermDebt>
    <us-gaap:LongtermDebtWeightedAverageInterestRate
      contextRef="c-317"
      decimals="4"
      id="f-2189"
      unitRef="number">0.0409</us-gaap:LongtermDebtWeightedAverageInterestRate>
    <slm:LongTermDebtWeightedAverageOutstandingBalance contextRef="c-318" decimals="-3" id="f-2190" unitRef="usd">4864359000</slm:LongTermDebtWeightedAverageOutstandingBalance>
    <us-gaap:LongTermDebt contextRef="c-319" decimals="-3" id="f-2191" unitRef="usd">4577454000</us-gaap:LongTermDebt>
    <us-gaap:LongtermDebtWeightedAverageInterestRate
      contextRef="c-319"
      decimals="4"
      id="f-2192"
      unitRef="number">0.0352</us-gaap:LongtermDebtWeightedAverageInterestRate>
    <slm:LongTermDebtWeightedAverageOutstandingBalance contextRef="c-320" decimals="-3" id="f-2193" unitRef="usd">4605806000</slm:LongTermDebtWeightedAverageOutstandingBalance>
    <us-gaap:LongTermDebt contextRef="c-7" decimals="-3" id="f-2194" unitRef="usd">6440345000</us-gaap:LongTermDebt>
    <us-gaap:LongtermDebtWeightedAverageInterestRate contextRef="c-7" decimals="4" id="f-2195" unitRef="number">0.0430</us-gaap:LongtermDebtWeightedAverageInterestRate>
    <slm:LongTermDebtWeightedAverageOutstandingBalance contextRef="c-1" decimals="-3" id="f-2196" unitRef="usd">5589120000</slm:LongTermDebtWeightedAverageOutstandingBalance>
    <us-gaap:LongTermDebt contextRef="c-8" decimals="-3" id="f-2197" unitRef="usd">5227512000</us-gaap:LongTermDebt>
    <us-gaap:LongtermDebtWeightedAverageInterestRate contextRef="c-8" decimals="4" id="f-2198" unitRef="number">0.0389</us-gaap:LongtermDebtWeightedAverageInterestRate>
    <slm:LongTermDebtWeightedAverageOutstandingBalance contextRef="c-9" decimals="-3" id="f-2199" unitRef="usd">5321215000</slm:LongTermDebtWeightedAverageOutstandingBalance>
    <us-gaap:ScheduleOfMaturitiesOfLongTermDebtTableTextBlock contextRef="c-1" id="f-2200">&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, 2024, the maturities of our brokered CDs and borrowings are summarized below. &lt;/span&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:63.750%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.368%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.889%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.496%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.889%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.675%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.889%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.333%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:700;line-height:100%"&gt;As of December 31, 2024&lt;br/&gt;(dollars in thousands)&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;Brokered CDs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Unsecured&lt;br/&gt;Debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;Secured Borrowings&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&gt;&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="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2025&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;2,763,401&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;498,897&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;823,843&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4,086,141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2026&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;1,824,607&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;496,523&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;840,927&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,162,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2027&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;783,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;823,320&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,606,381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2028&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;146,282&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;642,798&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;789,080&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2029&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;683,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;568,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,252,527&#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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2030 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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,764,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,764,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;6,201,099&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;995,420&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;5,464,567&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;12,661,086&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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;(241)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(241)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:#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;6,200,858&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;995,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,464,567&#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&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&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;12,660,845&#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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:126pt;padding-right:108pt;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 secured borrowings as long-term based on the contractual maturity dates ranging from 2032 to 2056. However, the actual maturity of our secured borrowings depends on the prepayment speeds of the underlying collateralized loans. To disclose how we expect this debt to pay down over time, the maturities for our secured borrowings are based on the projected bond principal paydowns using the current estimated loan prepayment speeds.&lt;/span&gt;&lt;/div&gt;</us-gaap:ScheduleOfMaturitiesOfLongTermDebtTableTextBlock>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths contextRef="c-321" decimals="-3" id="f-2201" unitRef="usd">2763401000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths contextRef="c-293" decimals="-3" id="f-2202" unitRef="usd">498897000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths contextRef="c-322" decimals="-3" id="f-2203" unitRef="usd">823843000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths contextRef="c-7" decimals="-3" id="f-2204" unitRef="usd">4086141000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo contextRef="c-321" decimals="-3" id="f-2205" unitRef="usd">1824607000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo contextRef="c-293" decimals="-3" id="f-2206" unitRef="usd">496523000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo contextRef="c-322" decimals="-3" id="f-2207" unitRef="usd">840927000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo contextRef="c-7" decimals="-3" id="f-2208" unitRef="usd">3162057000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree contextRef="c-321" decimals="-3" id="f-2209" unitRef="usd">783061000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree contextRef="c-293" decimals="-3" id="f-2210" unitRef="usd">0</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree contextRef="c-322" decimals="-3" id="f-2211" unitRef="usd">823320000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree contextRef="c-7" decimals="-3" id="f-2212" unitRef="usd">1606381000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour contextRef="c-321" decimals="-3" id="f-2213" unitRef="usd">146282000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour contextRef="c-293" decimals="-3" id="f-2214" unitRef="usd">0</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour contextRef="c-322" decimals="-3" id="f-2215" unitRef="usd">642798000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour contextRef="c-7" decimals="-3" id="f-2216" unitRef="usd">789080000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive contextRef="c-321" decimals="-3" id="f-2217" unitRef="usd">683748000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive contextRef="c-293" decimals="-3" id="f-2218" unitRef="usd">0</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive contextRef="c-322" decimals="-3" id="f-2219" unitRef="usd">568779000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive contextRef="c-7" decimals="-3" id="f-2220" unitRef="usd">1252527000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive contextRef="c-321" decimals="-3" id="f-2221" unitRef="usd">0</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive contextRef="c-293" decimals="-3" id="f-2222" unitRef="usd">0</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive contextRef="c-322" decimals="-3" id="f-2223" unitRef="usd">1764900000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive>
    <us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive contextRef="c-7" decimals="-3" id="f-2224" unitRef="usd">1764900000</us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive>
    <slm:DebtInstrumentFaceAmountMaturityToCallDate contextRef="c-321" decimals="-3" id="f-2225" unitRef="usd">6201099000</slm:DebtInstrumentFaceAmountMaturityToCallDate>
    <slm:DebtInstrumentFaceAmountMaturityToCallDate contextRef="c-293" decimals="-3" id="f-2226" unitRef="usd">995420000</slm:DebtInstrumentFaceAmountMaturityToCallDate>
    <slm:DebtInstrumentFaceAmountMaturityToCallDate contextRef="c-322" decimals="-3" id="f-2227" unitRef="usd">5464567000</slm:DebtInstrumentFaceAmountMaturityToCallDate>
    <slm:DebtInstrumentFaceAmountMaturityToCallDate contextRef="c-7" decimals="-3" id="f-2228" unitRef="usd">12661086000</slm:DebtInstrumentFaceAmountMaturityToCallDate>
    <slm:HedgeAccountingAdjustment contextRef="c-321" decimals="-3" id="f-2229" unitRef="usd">-241000</slm:HedgeAccountingAdjustment>
    <slm:HedgeAccountingAdjustment contextRef="c-293" decimals="-3" id="f-2230" unitRef="usd">0</slm:HedgeAccountingAdjustment>
    <slm:HedgeAccountingAdjustment contextRef="c-322" decimals="-3" id="f-2231" unitRef="usd">0</slm:HedgeAccountingAdjustment>
    <slm:HedgeAccountingAdjustment contextRef="c-7" decimals="-3" id="f-2232" unitRef="usd">-241000</slm:HedgeAccountingAdjustment>
    <slm:DebtInstrumentFaceAmountAfterAdjustments contextRef="c-321" decimals="-3" id="f-2233" unitRef="usd">6200858000</slm:DebtInstrumentFaceAmountAfterAdjustments>
    <slm:DebtInstrumentFaceAmountAfterAdjustments contextRef="c-293" decimals="-3" id="f-2234" unitRef="usd">995420000</slm:DebtInstrumentFaceAmountAfterAdjustments>
    <slm:DebtInstrumentFaceAmountAfterAdjustments contextRef="c-322" decimals="-3" id="f-2235" unitRef="usd">5464567000</slm:DebtInstrumentFaceAmountAfterAdjustments>
    <slm:DebtInstrumentFaceAmountAfterAdjustments contextRef="c-7" decimals="-3" id="f-2236" unitRef="usd">12660845000</slm:DebtInstrumentFaceAmountAfterAdjustments>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-323" decimals="INF" id="f-2237" unitRef="usd">500000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-323"
      decimals="INF"
      id="f-2238"
      unitRef="number">0.042</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-324" decimals="INF" id="f-2239" unitRef="usd">499000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-325" decimals="-6" id="f-2240" unitRef="usd">500000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-325"
      decimals="5"
      id="f-2241"
      unitRef="number">0.065</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-326" decimals="INF" id="f-2242" unitRef="usd">500000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-326"
      decimals="INF"
      id="f-2243"
      unitRef="number">0.03125</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <slm:DebtInstrumentIssuancePricePercentage
      contextRef="c-327"
      decimals="4"
      id="f-2244"
      unitRef="number">0.9943</slm:DebtInstrumentIssuancePricePercentage>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-328" decimals="INF" id="f-2245" unitRef="usd">496000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:ScheduleOfSecuritiesFinancingTransactionsTextBlock contextRef="c-1" id="f-2246">&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 Financing Transactions&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 summarizes our term funding collateralized by pools of Private Education Loans in the long-term ABS market issued in 2023 and 2024 in which we retained 100 percent of the residual class certificates. &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;               &lt;/span&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&gt;&lt;td style="width:19.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.520%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.191%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.520%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.706%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.520%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.706%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.376%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.706%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.520%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.317%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.520%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:8pt;font-weight:700;line-height:100%"&gt;SMB Private Education Loan Trust&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Date Closed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;Loans Transferred to the Trust&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&gt;&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;Notes&lt;br/&gt;Issued&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Gross&lt;br/&gt;Proceeds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(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&gt;&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 of Class A and Class B Notes&lt;br/&gt;(in years)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:left;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-A ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;March 15, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;644,573&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;579,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;571,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;SOFR plus 1.53%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;5.06&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2023-C ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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 16, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;647,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;568,000&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;567,881&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;SOFR plus 1.69%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;4.93&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,292,507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,147,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,139,791&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:left;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-C ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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 15, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;733,644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;668,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;667,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;SOFR plus 1.19%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;5.36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;2024-E ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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 14, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;944,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;868,000&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;867,743&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;SOFR plus 1.42%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;5.17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:left;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-F ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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 6, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;732,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;680,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;679,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;SOFR plus 1.08%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;5.09&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Total 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,410,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;2,216,000&#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&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&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;2,215,612&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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="padding-left:56.25pt;padding-right:54pt;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 transfer of such loans did not qualify for sale treatment and thus remain on our consolidated balance sheet.  At December 31, 2024, the following Private Education Loan amounts remain encumbered related to these transactions:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:20.25pt;padding-right:54pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:61.944%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:41.725%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.921%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.837%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.921%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.837%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.921%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.838%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;SMB Private Education Loan Trust&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Loan Principal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Capitalized &lt;br/&gt;Interest&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Total Loans&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;2023-A ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;484,551&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;32,856&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;517,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2023-C ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;516,507&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;35,287&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;551,794&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,001,058&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;68,143&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,069,201&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2024-C ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;646,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;52,968&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;699,518&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;2024-E ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;841,355&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;69,238&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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:9pt;font-weight:400;line-height:100%"&gt;910,593&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;2024-F ABS Transaction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;662,361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;55,131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;717,492&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&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 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,150,266&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;177,337&#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&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&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;2,327,603&#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&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: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;Represents SOFR equivalent cost of funds for variable and fixed-rate bonds, excluding issuance costs.&lt;/span&gt;&lt;/div&gt; The following summarizes our Private Education Loan ABS transactions closed in 2023 and 2024 where the respective VIEs were not consolidated.&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.186%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.841%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.251%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.536%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.112%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.474%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;SMB Private Education Loan Trust&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;Date Closed&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;Loans Transferred to the Trust by Third-Party Seller&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;Date Third-Party Seller Previously Purchased Loans from the Bank&lt;/span&gt;&lt;/td&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;Additional Loans the Bank Transferred to the Trust&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:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#134f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Gain on Sale for Additional Loans Transferred by Bank&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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:9pt;font-weight:400;line-height:100%"&gt;2023-B ABS transaction&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:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;May 24, 2023&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,988,277&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;May 3, 2023&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;104,743&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2023-D ABS transaction&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:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;November 7, 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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;995,184&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;October 13, 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:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;52,572&#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&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:9pt;font-weight:400;line-height:100%"&gt;1,570&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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:9pt;font-weight:400;line-height:100%"&gt;2024-A ABS transaction&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:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;March 13, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,988,248&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;February 1, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;104,748&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2024-R1 ABS transaction&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:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;April 9, 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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;68,896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;n/a&lt;/span&gt;&lt;/td&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: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:top"&gt;&lt;/td&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: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:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;2024-B ABS transaction&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:#dbdbdb;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;April 11, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;191,445&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#dbdbdb;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;March&#160;6, 2020 and&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:100%"&gt;&#160;&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:100%"&gt;November&#160;17, 2021&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#dbdbdb;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;div&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2024-D ABS transaction&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:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;June 28, 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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,494,953&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;May 23, 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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;78,782&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',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:middle"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,051&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&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: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 transfer of such additional loans qualified for sale treatment and removed these loans from our balance sheet on the settlement date of the transaction.&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: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;Sallie Mae Bank sponsored the transaction and is the servicer and administrator.&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: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;An unaffiliated third party sold to the Trust approximately $69 million of Private Education Loan residual flows from our 2020-PTA and 2020-PTB transactions through a re-securitization. Sallie Mae Bank sponsored the 2024-R1 transaction and is the administrator of the Trust.&lt;/span&gt;&lt;/div&gt;</us-gaap:ScheduleOfSecuritiesFinancingTransactionsTextBlock>
    <slm:DebtInstrumentLoansTransferred contextRef="c-329" decimals="-3" id="f-2247" unitRef="usd">644573000</slm:DebtInstrumentLoansTransferred>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-329" decimals="-3" id="f-2248" unitRef="usd">579000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:ProceedsFromIssuanceOfDebt contextRef="c-330" decimals="-3" id="f-2249" unitRef="usd">571910000</us-gaap:ProceedsFromIssuanceOfDebt>
    <us-gaap:DerivativeBasisSpreadOnVariableRate
      contextRef="c-329"
      decimals="4"
      id="f-2250"
      unitRef="number">0.0153</us-gaap:DerivativeBasisSpreadOnVariableRate>
    <slm:DebtInstrumentWeightedAverageLife contextRef="c-331" id="f-2251">P5Y21D</slm:DebtInstrumentWeightedAverageLife>
    <slm:DebtInstrumentLoansTransferred contextRef="c-332" decimals="-3" id="f-2252" unitRef="usd">647934000</slm:DebtInstrumentLoansTransferred>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-332" decimals="-3" id="f-2253" unitRef="usd">568000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:ProceedsFromIssuanceOfDebt contextRef="c-333" decimals="-3" id="f-2254" unitRef="usd">567881000</us-gaap:ProceedsFromIssuanceOfDebt>
    <us-gaap:DerivativeBasisSpreadOnVariableRate
      contextRef="c-332"
      decimals="4"
      id="f-2255"
      unitRef="number">0.0169</us-gaap:DerivativeBasisSpreadOnVariableRate>
    <slm:DebtInstrumentWeightedAverageLife contextRef="c-334" id="f-2256">P4Y11M4D</slm:DebtInstrumentWeightedAverageLife>
    <slm:DebtInstrumentLoansTransferred contextRef="c-8" decimals="-3" id="f-2257" unitRef="usd">1292507000</slm:DebtInstrumentLoansTransferred>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-8" decimals="-3" id="f-2258" unitRef="usd">1147000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:ProceedsFromIssuanceOfDebt contextRef="c-9" decimals="-3" id="f-2259" unitRef="usd">1139791000</us-gaap:ProceedsFromIssuanceOfDebt>
    <slm:DebtInstrumentLoansTransferred contextRef="c-335" decimals="-3" id="f-2260" unitRef="usd">733644000</slm:DebtInstrumentLoansTransferred>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-335" decimals="-3" id="f-2261" unitRef="usd">668000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:ProceedsFromIssuanceOfDebt contextRef="c-336" decimals="-3" id="f-2262" unitRef="usd">667888000</us-gaap:ProceedsFromIssuanceOfDebt>
    <us-gaap:DerivativeBasisSpreadOnVariableRate
      contextRef="c-335"
      decimals="4"
      id="f-2263"
      unitRef="number">0.0119</us-gaap:DerivativeBasisSpreadOnVariableRate>
    <slm:DebtInstrumentWeightedAverageLife contextRef="c-337" id="f-2264">P5Y4M9D</slm:DebtInstrumentWeightedAverageLife>
    <slm:DebtInstrumentLoansTransferred contextRef="c-338" decimals="-3" id="f-2265" unitRef="usd">944645000</slm:DebtInstrumentLoansTransferred>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-338" decimals="-3" id="f-2266" unitRef="usd">868000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:ProceedsFromIssuanceOfDebt contextRef="c-339" decimals="-3" id="f-2267" unitRef="usd">867743000</us-gaap:ProceedsFromIssuanceOfDebt>
    <us-gaap:DerivativeBasisSpreadOnVariableRate
      contextRef="c-338"
      decimals="4"
      id="f-2268"
      unitRef="number">0.0142</us-gaap:DerivativeBasisSpreadOnVariableRate>
    <slm:DebtInstrumentWeightedAverageLife contextRef="c-340" id="f-2269">P5Y2M1D</slm:DebtInstrumentWeightedAverageLife>
    <slm:DebtInstrumentLoansTransferred contextRef="c-341" decimals="-3" id="f-2270" unitRef="usd">732445000</slm:DebtInstrumentLoansTransferred>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-341" decimals="-3" id="f-2271" unitRef="usd">680000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:ProceedsFromIssuanceOfDebt contextRef="c-342" decimals="-3" id="f-2272" unitRef="usd">679981000</us-gaap:ProceedsFromIssuanceOfDebt>
    <us-gaap:DerivativeBasisSpreadOnVariableRate
      contextRef="c-341"
      decimals="4"
      id="f-2273"
      unitRef="number">0.0108</us-gaap:DerivativeBasisSpreadOnVariableRate>
    <slm:DebtInstrumentWeightedAverageLife contextRef="c-343" id="f-2274">P5Y1M2D</slm:DebtInstrumentWeightedAverageLife>
    <slm:DebtInstrumentLoansTransferred contextRef="c-7" decimals="-3" id="f-2275" unitRef="usd">2410734000</slm:DebtInstrumentLoansTransferred>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-7" decimals="-3" id="f-2276" unitRef="usd">2216000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:ProceedsFromIssuanceOfDebt contextRef="c-1" decimals="-3" id="f-2277" unitRef="usd">2215612000</us-gaap:ProceedsFromIssuanceOfDebt>
    <slm:LoansPledgedAsCollateralPrincipalAmount contextRef="c-344" decimals="-3" id="f-2278" unitRef="usd">484551000</slm:LoansPledgedAsCollateralPrincipalAmount>
    <slm:LoansPledgedAsCollateralCapitalizedInterest contextRef="c-344" decimals="-3" id="f-2279" unitRef="usd">32856000</slm:LoansPledgedAsCollateralCapitalizedInterest>
    <us-gaap:NotesReceivableGross contextRef="c-344" decimals="-3" id="f-2280" unitRef="usd">517407000</us-gaap:NotesReceivableGross>
    <slm:LoansPledgedAsCollateralPrincipalAmount contextRef="c-345" decimals="-3" id="f-2281" unitRef="usd">516507000</slm:LoansPledgedAsCollateralPrincipalAmount>
    <slm:LoansPledgedAsCollateralCapitalizedInterest contextRef="c-345" decimals="-3" id="f-2282" unitRef="usd">35287000</slm:LoansPledgedAsCollateralCapitalizedInterest>
    <us-gaap:NotesReceivableGross contextRef="c-345" decimals="-3" id="f-2283" unitRef="usd">551794000</us-gaap:NotesReceivableGross>
    <slm:LoansPledgedAsCollateralPrincipalAmount contextRef="c-8" decimals="-3" id="f-2284" unitRef="usd">1001058000</slm:LoansPledgedAsCollateralPrincipalAmount>
    <slm:LoansPledgedAsCollateralCapitalizedInterest contextRef="c-8" decimals="-3" id="f-2285" unitRef="usd">68143000</slm:LoansPledgedAsCollateralCapitalizedInterest>
    <us-gaap:NotesReceivableGross contextRef="c-8" decimals="-3" id="f-2286" unitRef="usd">1069201000</us-gaap:NotesReceivableGross>
    <slm:LoansPledgedAsCollateralPrincipalAmount contextRef="c-346" decimals="-3" id="f-2287" unitRef="usd">646550000</slm:LoansPledgedAsCollateralPrincipalAmount>
    <slm:LoansPledgedAsCollateralCapitalizedInterest contextRef="c-346" decimals="-3" id="f-2288" unitRef="usd">52968000</slm:LoansPledgedAsCollateralCapitalizedInterest>
    <us-gaap:NotesReceivableGross contextRef="c-346" decimals="-3" id="f-2289" unitRef="usd">699518000</us-gaap:NotesReceivableGross>
    <slm:LoansPledgedAsCollateralPrincipalAmount contextRef="c-347" decimals="-3" id="f-2290" unitRef="usd">841355000</slm:LoansPledgedAsCollateralPrincipalAmount>
    <slm:LoansPledgedAsCollateralCapitalizedInterest contextRef="c-347" decimals="-3" id="f-2291" unitRef="usd">69238000</slm:LoansPledgedAsCollateralCapitalizedInterest>
    <us-gaap:NotesReceivableGross contextRef="c-347" decimals="-3" id="f-2292" unitRef="usd">910593000</us-gaap:NotesReceivableGross>
    <slm:LoansPledgedAsCollateralPrincipalAmount contextRef="c-348" decimals="-3" id="f-2293" unitRef="usd">662361000</slm:LoansPledgedAsCollateralPrincipalAmount>
    <slm:LoansPledgedAsCollateralCapitalizedInterest contextRef="c-348" decimals="-3" id="f-2294" unitRef="usd">55131000</slm:LoansPledgedAsCollateralCapitalizedInterest>
    <us-gaap:NotesReceivableGross contextRef="c-348" decimals="-3" id="f-2295" unitRef="usd">717492000</us-gaap:NotesReceivableGross>
    <slm:LoansPledgedAsCollateralPrincipalAmount contextRef="c-7" decimals="-3" id="f-2296" unitRef="usd">2150266000</slm:LoansPledgedAsCollateralPrincipalAmount>
    <slm:LoansPledgedAsCollateralCapitalizedInterest contextRef="c-7" decimals="-3" id="f-2297" unitRef="usd">177337000</slm:LoansPledgedAsCollateralCapitalizedInterest>
    <us-gaap:NotesReceivableGross contextRef="c-7" decimals="-3" id="f-2298" unitRef="usd">2327603000</us-gaap:NotesReceivableGross>
    <us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization contextRef="c-349" decimals="-7" id="f-2299" unitRef="usd">10380000000</us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization>
    <us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization contextRef="c-350" decimals="-7" id="f-2300" unitRef="usd">3740000000</us-gaap:PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization>
    <slm:LoansPledgedAsCollateralPrincipalAmount contextRef="c-350" decimals="-7" id="f-2301" unitRef="usd">3630000000</slm:LoansPledgedAsCollateralPrincipalAmount>
    <slm:LoansPledgedAsCollateralCapitalizedInterest contextRef="c-350" decimals="-6" id="f-2302" unitRef="usd">107000000</slm:LoansPledgedAsCollateralCapitalizedInterest>
    <us-gaap:ScheduleOfVariableInterestEntitiesTextBlock contextRef="c-1" id="f-2303">&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;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&gt;&lt;td style="width:18.231%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.398%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.526%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.526%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.526%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.526%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.526%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.946%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.526%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.519%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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, 2024&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&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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&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 Net 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&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&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&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&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&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&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, Net&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6,786,390&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;173,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;418,705&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;7,378,987&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,444,925&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,444,925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;6,786,390&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;173,892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;418,803&#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&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&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;7,379,085&#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&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&gt;&lt;td style="width:18.175%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.394%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.479%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.524%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.479%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.814%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.479%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.524%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.479%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.524%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.479%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.524%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.914%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.524%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.488%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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, 2023&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&gt;&lt;td colspan="39" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:20pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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&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 Net 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&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&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&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&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&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&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, Net&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5,539,964&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;149,412&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;303,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,993,029&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;4,235,312&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4,235,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;5,539,964&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;149,412&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;303,753&#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&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&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;5,993,129&#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&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, net primarily represents accrued interest receivable and payable.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom:6pt;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;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&gt;&lt;td style="width:23.487%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.120%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.616%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.780%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.285%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.966%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:2.035%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.626%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.285%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.626%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.615%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.298%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2023&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&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&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&gt;&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&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&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&gt;&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&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;571,795&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;625,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;423,327&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;477,808&#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&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: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; Vertical risk retention interest classified as available-for-sale investment.&lt;/span&gt;&lt;/div&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; Vertical risk retention interest classified as trading investment.</us-gaap:ScheduleOfVariableInterestEntitiesTextBlock>
    <us-gaap:ShortTermBorrowings contextRef="c-351" decimals="-3" id="f-2304" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-351" decimals="-3" id="f-2305" unitRef="usd">5444925000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-351" decimals="-3" id="f-2306" unitRef="usd">5444925000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans contextRef="c-351" decimals="-3" id="f-2307" unitRef="usd">6786390000</slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans>
    <us-gaap:RestrictedCashAndInvestments contextRef="c-351" decimals="-3" id="f-2308" unitRef="usd">173892000</us-gaap:RestrictedCashAndInvestments>
    <us-gaap:OtherAssets contextRef="c-351" decimals="-3" id="f-2309" unitRef="usd">418705000</us-gaap:OtherAssets>
    <us-gaap:Assets contextRef="c-351" decimals="-3" id="f-2310" unitRef="usd">7378987000</us-gaap:Assets>
    <us-gaap:ShortTermBorrowings contextRef="c-352" decimals="-3" id="f-2311" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-352" decimals="-3" id="f-2312" unitRef="usd">0</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-352" decimals="-3" id="f-2313" unitRef="usd">0</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans contextRef="c-352" decimals="-3" id="f-2314" unitRef="usd">0</slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans>
    <us-gaap:RestrictedCashAndInvestments contextRef="c-352" decimals="-3" id="f-2315" unitRef="usd">0</us-gaap:RestrictedCashAndInvestments>
    <us-gaap:OtherAssets contextRef="c-352" decimals="-3" id="f-2316" unitRef="usd">98000</us-gaap:OtherAssets>
    <us-gaap:Assets contextRef="c-352" decimals="-3" id="f-2317" unitRef="usd">98000</us-gaap:Assets>
    <us-gaap:ShortTermBorrowings contextRef="c-353" decimals="-3" id="f-2318" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-353" decimals="-3" id="f-2319" unitRef="usd">5444925000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-353" decimals="-3" id="f-2320" unitRef="usd">5444925000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans contextRef="c-353" decimals="-3" id="f-2321" unitRef="usd">6786390000</slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans>
    <us-gaap:RestrictedCashAndInvestments contextRef="c-353" decimals="-3" id="f-2322" unitRef="usd">173892000</us-gaap:RestrictedCashAndInvestments>
    <us-gaap:OtherAssets contextRef="c-353" decimals="-3" id="f-2323" unitRef="usd">418803000</us-gaap:OtherAssets>
    <us-gaap:Assets contextRef="c-353" decimals="-3" id="f-2324" unitRef="usd">7379085000</us-gaap:Assets>
    <us-gaap:ShortTermBorrowings contextRef="c-354" decimals="-3" id="f-2325" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-354" decimals="-3" id="f-2326" unitRef="usd">4235312000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-354" decimals="-3" id="f-2327" unitRef="usd">4235312000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans contextRef="c-354" decimals="-3" id="f-2328" unitRef="usd">5539964000</slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans>
    <us-gaap:RestrictedCashAndInvestments contextRef="c-354" decimals="-3" id="f-2329" unitRef="usd">149412000</us-gaap:RestrictedCashAndInvestments>
    <us-gaap:OtherAssets contextRef="c-354" decimals="-3" id="f-2330" unitRef="usd">303653000</us-gaap:OtherAssets>
    <us-gaap:Assets contextRef="c-354" decimals="-3" id="f-2331" unitRef="usd">5993029000</us-gaap:Assets>
    <us-gaap:ShortTermBorrowings contextRef="c-355" decimals="-3" id="f-2332" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-355" decimals="-3" id="f-2333" unitRef="usd">0</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-355" decimals="-3" id="f-2334" unitRef="usd">0</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans contextRef="c-355" decimals="-3" id="f-2335" unitRef="usd">0</slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans>
    <us-gaap:RestrictedCashAndInvestments contextRef="c-355" decimals="-3" id="f-2336" unitRef="usd">0</us-gaap:RestrictedCashAndInvestments>
    <us-gaap:OtherAssets contextRef="c-355" decimals="-3" id="f-2337" unitRef="usd">100000</us-gaap:OtherAssets>
    <us-gaap:Assets contextRef="c-355" decimals="-3" id="f-2338" unitRef="usd">100000</us-gaap:Assets>
    <us-gaap:ShortTermBorrowings contextRef="c-356" decimals="-3" id="f-2339" unitRef="usd">0</us-gaap:ShortTermBorrowings>
    <us-gaap:LongTermDebt contextRef="c-356" decimals="-3" id="f-2340" unitRef="usd">4235312000</us-gaap:LongTermDebt>
    <us-gaap:DebtLongtermAndShorttermCombinedAmount contextRef="c-356" decimals="-3" id="f-2341" unitRef="usd">4235312000</us-gaap:DebtLongtermAndShorttermCombinedAmount>
    <slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans contextRef="c-356" decimals="-3" id="f-2342" unitRef="usd">5539964000</slm:CarryingAmountOfAssetsSecuringDebtOutstandingLoans>
    <us-gaap:RestrictedCashAndInvestments contextRef="c-356" decimals="-3" id="f-2343" unitRef="usd">149412000</us-gaap:RestrictedCashAndInvestments>
    <us-gaap:OtherAssets contextRef="c-356" decimals="-3" id="f-2344" unitRef="usd">303753000</us-gaap:OtherAssets>
    <us-gaap:Assets contextRef="c-356" decimals="-3" id="f-2345" unitRef="usd">5993129000</us-gaap:Assets>
    <slm:VerticalRiskRetentionPercentage contextRef="c-1" decimals="2" id="f-2346" unitRef="number">0.05</slm:VerticalRiskRetentionPercentage>
    <slm:VerticalRiskRetentionPercentage contextRef="c-1" decimals="2" id="f-2347" unitRef="number">0.05</slm:VerticalRiskRetentionPercentage>
    <us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt contextRef="c-357" decimals="-3" id="f-2348" unitRef="usd">1988277000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt>
    <slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale contextRef="c-357" decimals="-3" id="f-2349" unitRef="usd">104743000</slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale>
    <us-gaap:DebtSecuritiesAvailableForSaleRealizedGain contextRef="c-357" decimals="-3" id="f-2350" unitRef="usd">5391000</us-gaap:DebtSecuritiesAvailableForSaleRealizedGain>
    <us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt contextRef="c-358" decimals="-3" id="f-2351" unitRef="usd">995184000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt>
    <slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale contextRef="c-358" decimals="-3" id="f-2352" unitRef="usd">52572000</slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale>
    <us-gaap:DebtSecuritiesAvailableForSaleRealizedGain contextRef="c-358" decimals="-3" id="f-2353" unitRef="usd">1570000</us-gaap:DebtSecuritiesAvailableForSaleRealizedGain>
    <us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt contextRef="c-359" decimals="-3" id="f-2354" unitRef="usd">1988248000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt>
    <slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale contextRef="c-359" decimals="-3" id="f-2355" unitRef="usd">104748000</slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale>
    <us-gaap:DebtSecuritiesAvailableForSaleRealizedGain contextRef="c-359" decimals="-3" id="f-2356" unitRef="usd">6685000</us-gaap:DebtSecuritiesAvailableForSaleRealizedGain>
    <us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt contextRef="c-360" decimals="-3" id="f-2357" unitRef="usd">68896000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt>
    <slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale contextRef="c-360" decimals="-3" id="f-2358" unitRef="usd">0</slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale>
    <us-gaap:DebtSecuritiesAvailableForSaleRealizedGain contextRef="c-360" decimals="-3" id="f-2359" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleRealizedGain>
    <us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt contextRef="c-361" decimals="-3" id="f-2360" unitRef="usd">191445000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt>
    <slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale contextRef="c-361" decimals="-3" id="f-2361" unitRef="usd">10132000</slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale>
    <us-gaap:DebtSecuritiesAvailableForSaleRealizedGain contextRef="c-361" decimals="-3" id="f-2362" unitRef="usd">35000</us-gaap:DebtSecuritiesAvailableForSaleRealizedGain>
    <us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt contextRef="c-362" decimals="-3" id="f-2363" unitRef="usd">1494953000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt>
    <slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale contextRef="c-362" decimals="-3" id="f-2364" unitRef="usd">78782000</slm:AdditionalProceedsFromSaleOfDebtSecuritiesAvailableForSale>
    <us-gaap:DebtSecuritiesAvailableForSaleRealizedGain contextRef="c-362" decimals="-3" id="f-2365" unitRef="usd">6051000</us-gaap:DebtSecuritiesAvailableForSaleRealizedGain>
    <us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt contextRef="c-360" decimals="-6" id="f-2366" unitRef="usd">69000000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-363" decimals="-3" id="f-2367" unitRef="usd">571795000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:TradingSecurities contextRef="c-363" decimals="-3" id="f-2368" unitRef="usd">53262000</us-gaap:TradingSecurities>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-363" decimals="-3" id="f-2369" unitRef="usd">625057000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-364" decimals="-3" id="f-2370" unitRef="usd">423327000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:TradingSecurities contextRef="c-364" decimals="-3" id="f-2371" unitRef="usd">54481000</us-gaap:TradingSecurities>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-364" decimals="-3" id="f-2372" unitRef="usd">477808000</us-gaap:OffBalanceSheetCreditLossLiability>
    <slm:UncommittedFederalFunds contextRef="c-8" decimals="-6" id="f-2373" unitRef="usd">125000000</slm:UncommittedFederalFunds>
    <slm:Lendablevalueofcollateral contextRef="c-7" decimals="-8" id="f-2374" unitRef="usd">2200000000</slm:Lendablevalueofcollateral>
    <slm:Lendablevalueofcollateral contextRef="c-8" decimals="-8" id="f-2375" unitRef="usd">1600000000</slm:Lendablevalueofcollateral>
    <us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock contextRef="c-1" id="f-2376">Derivative Financial Instruments&lt;div style="margin-top:9pt;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: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 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, 2024, $850 million notional of our derivative contracts were cleared on the CME and $71 million were cleared on the LCH. The derivative contracts cleared through the CME and LCH represent 92.3 percent&#160;and 7.7 percent, respectively, of our total notional derivative contracts of $921 million at December 31, 2024.&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, 2024 was $(22) million and $(1) 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 to the counterparty 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, 2024 and 2023, we had a net positive exposure (derivative gain/loss positions to us, less collateral held by us and plus collateral posted with counterparties) related to derivatives of $5 million and $9&#160;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 either fair value hedges or cash flow 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: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, 2024 and 2023, and their impact on earnings and other comprehensive income for the years ended December&#160;31, 2024, 2023, and 2022. &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:700;line-height:120%"&gt;    Impact of Derivatives on the Consolidated Balance Sheets&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:96.944%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.948%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.349%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.946%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.507%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&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&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&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&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&gt;&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&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&gt;&lt;td style="background-color:#ffffff;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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&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:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;(339)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8.5pt;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:8.5pt;font-weight:400;line-height:100%"&gt;(19)&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&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&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:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(339)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&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:8.5pt;font-weight:400;line-height:100%"&gt;(21)&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&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&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:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&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:8.5pt;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&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&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:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&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:8.5pt;font-weight:400;line-height:100%"&gt;(40)&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&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&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:8.5pt;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:8.5pt;font-weight:400;line-height:100%"&gt;(370)&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&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&gt;&lt;td style="width:36.374%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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&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&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&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&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&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;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;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:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;4,879&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;9,228&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;/tr&gt;&lt;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&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;4,879&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;9,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&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;(40)&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&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&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;(370)&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&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;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&gt;&lt;td style="width:13.692%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.367%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.811%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.811%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.959%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.959%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.811%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.219%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.967%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Cash Flow&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td style="background-color:#ededee;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;639,097&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,203,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;281,520&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;702,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;920,617&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,906,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Net total notional&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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:8pt;font-weight:400;line-height:100%"&gt;639,097&#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&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,203,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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:8pt;font-weight:400;line-height:100%"&gt;281,520&#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&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;702,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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:8pt;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&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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:8pt;font-weight:400;line-height:100%"&gt;920,617&#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&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&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:8pt;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:8pt;font-weight:400;line-height:100%"&gt;1,906,092&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&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, 2024 and 2023, 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&gt;&lt;td style="width:38.211%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.849%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.849%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.973%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.849%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.854%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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&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&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(279,908)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(689,137)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;1,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;12,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td style="width:47.274%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.285%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.769%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.756%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.387%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.756%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.773%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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%;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;(15,278)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(26,054)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;16,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(11,490)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(18,350)&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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;82,043&#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;/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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;18,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(82,063)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(15,214)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(25,917)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;16,288&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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:#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Interest rate swaps:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;41,221&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;41,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;47,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;3,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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%;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;Interest rate swaps:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(248)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(248)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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;&lt;span style="-sec-ix-hidden:f-2481"&gt;&lt;span style="-sec-ix-hidden:f-2482"&gt;&lt;span style="-sec-ix-hidden:f-2483"&gt;Total&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;26,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;21,893&#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&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&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;19,698&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;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&gt;&lt;td style="width:55.139%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.906%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.352%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.028%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&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;10,827&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,353&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;97,389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;41,221&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;47,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;3,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(30,394)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(34,457)&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&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&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;93,731&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;text-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 $21 million will be reclassified as a decrease to interest expense. &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;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, 2024, 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, 2024 and 2023, respectively. Collateral held is recorded in &#x201c;Other Liabilities&#x201d; on the consolidated balance sheets. Cash collateral pledged by us related to derivative exposure between us and our derivatives counterparties was $5 million&#160;and $9 million at December 31, 2024 and 2023, 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
      contextRef="c-7"
      decimals="INF"
      id="f-2377"
      unitRef="counterparty">2</slm:NumberOfCounterparties>
    <us-gaap:DerivativeNotionalAmount contextRef="c-70" decimals="-6" id="f-2378" unitRef="usd">850000000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-71" decimals="-6" id="f-2379" unitRef="usd">71000000</us-gaap:DerivativeNotionalAmount>
    <slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts contextRef="c-72" decimals="3" id="f-2380" unitRef="number">0.923</slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts>
    <slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts contextRef="c-73" decimals="3" id="f-2381" unitRef="number">0.077</slm:DerivativeInstrumentPercentofTotalNotionalDerivativeContracts>
    <us-gaap:DerivativeNotionalAmount contextRef="c-7" decimals="-6" id="f-2382" unitRef="usd">921000000</us-gaap:DerivativeNotionalAmount>
    <slm:AmountOfVariationMarginIncludedAsSettlement contextRef="c-72" decimals="-6" id="f-2383" unitRef="usd">-22000000</slm:AmountOfVariationMarginIncludedAsSettlement>
    <slm:AmountOfVariationMarginIncludedAsSettlement contextRef="c-73" decimals="-6" id="f-2384" unitRef="usd">-1000000</slm:AmountOfVariationMarginIncludedAsSettlement>
    <us-gaap:DerivativeFairValueAmountOffsetAgainstCollateralNet contextRef="c-7" decimals="-6" id="f-2385" unitRef="usd">5000000</us-gaap:DerivativeFairValueAmountOffsetAgainstCollateralNet>
    <us-gaap:DerivativeFairValueAmountOffsetAgainstCollateralNet contextRef="c-8" decimals="-6" id="f-2386" unitRef="usd">9000000</us-gaap:DerivativeFairValueAmountOffsetAgainstCollateralNet>
    <us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock contextRef="c-1" id="f-2387">&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, 2024 and 2023, and their impact on earnings and other comprehensive income for the years ended December&#160;31, 2024, 2023, and 2022. &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:700;line-height:120%"&gt;    Impact of Derivatives on the Consolidated Balance Sheets&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:96.944%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.948%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.349%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.946%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.495%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.507%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&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&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&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&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&gt;&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&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&gt;&lt;td style="background-color:#ffffff;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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&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:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;(19)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;(339)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8.5pt;font-weight:400;line-height:100%"&gt;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8.5pt;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:8.5pt;font-weight:400;line-height:100%"&gt;(19)&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&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&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:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(339)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&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:8.5pt;font-weight:400;line-height:100%"&gt;(21)&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&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&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:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&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:8.5pt;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&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&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:8.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:100%"&gt;$&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:8.5pt;font-weight:400;line-height:100%"&gt;(40)&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&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&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:8.5pt;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:8.5pt;font-weight:400;line-height:100%"&gt;(370)&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&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&gt;&lt;td style="width:36.374%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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&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&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&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&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&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;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;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:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;4,879&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;9,228&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;/tr&gt;&lt;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&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;4,879&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;9,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&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;(40)&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&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&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;(370)&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&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;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;   Cash collateral pledged excludes amounts that represent legal settlement of the derivative contracts.</us-gaap:ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock>
    <us-gaap:DerivativeAssets contextRef="c-365" decimals="-3" id="f-2388" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-366" decimals="-3" id="f-2389" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-367" decimals="-3" id="f-2390" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-368" decimals="-3" id="f-2391" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-369" decimals="-3" id="f-2392" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-370" decimals="-3" id="f-2393" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-371" decimals="-3" id="f-2394" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-372" decimals="-3" id="f-2395" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeLiabilities contextRef="c-365" decimals="-3" id="f-2396" unitRef="usd">19000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-366" decimals="-3" id="f-2397" unitRef="usd">339000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-367" decimals="-3" id="f-2398" unitRef="usd">21000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-368" decimals="-3" id="f-2399" unitRef="usd">31000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-369" decimals="-3" id="f-2400" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-370" decimals="-3" id="f-2401" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-371" decimals="-3" id="f-2402" unitRef="usd">40000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-372" decimals="-3" id="f-2403" unitRef="usd">370000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet contextRef="c-373" decimals="-3" id="f-2404" unitRef="usd">-19000</us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet>
    <us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet contextRef="c-374" decimals="-3" id="f-2405" unitRef="usd">-339000</us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet>
    <us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet contextRef="c-375" decimals="-3" id="f-2406" unitRef="usd">-21000</us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet>
    <us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet contextRef="c-376" decimals="-3" id="f-2407" unitRef="usd">-31000</us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet>
    <us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet contextRef="c-377" decimals="-3" id="f-2408" unitRef="usd">0</us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet>
    <us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet contextRef="c-378" decimals="-3" id="f-2409" unitRef="usd">0</us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet>
    <us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet contextRef="c-7" decimals="-3" id="f-2410" unitRef="usd">-40000</us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet>
    <us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet contextRef="c-8" decimals="-3" id="f-2411" unitRef="usd">-370000</us-gaap:DerivativeAssetsLiabilitiesAtFairValueNet>
    <us-gaap:OffsettingLiabilitiesTableTextBlock contextRef="c-1" id="f-2413">&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;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&gt;&lt;td style="width:36.374%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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&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&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&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&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&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;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;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:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;4,879&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;9,228&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;/tr&gt;&lt;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&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;4,879&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;9,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&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;(40)&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&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&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;(370)&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&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;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;   Cash collateral pledged excludes amounts that represent legal settlement of the derivative contracts.</us-gaap:OffsettingLiabilitiesTableTextBlock>
    <us-gaap:OffsettingAssetsTableTextBlock contextRef="c-1" id="f-2412">&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;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&gt;&lt;td style="width:36.374%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.802%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.531%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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&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&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&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&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&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;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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: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;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;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:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;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;4,879&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:7.5pt;font-weight:400;line-height:100%"&gt;9,228&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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: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&gt;&lt;/tr&gt;&lt;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&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;4,879&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;9,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7.5pt;font-weight:400;line-height:100%"&gt;$&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;(40)&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&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&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;(370)&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&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;span style="color:#000000;font-family:'Arial',sans-serif;font-size:7pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;   Cash collateral pledged excludes amounts that represent legal settlement of the derivative contracts.</us-gaap:OffsettingAssetsTableTextBlock>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-7" decimals="-3" id="f-2414" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-8" decimals="-3" id="f-2415" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-7" decimals="-3" id="f-2416" unitRef="usd">40000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-8" decimals="-3" id="f-2417" unitRef="usd">370000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeAssetFairValueGrossLiability contextRef="c-7" decimals="-3" id="f-2418" unitRef="usd">0</us-gaap:DerivativeAssetFairValueGrossLiability>
    <us-gaap:DerivativeAssetFairValueGrossLiability contextRef="c-8" decimals="-3" id="f-2419" unitRef="usd">0</us-gaap:DerivativeAssetFairValueGrossLiability>
    <us-gaap:DerivativeLiabilityFairValueGrossAsset contextRef="c-7" decimals="-3" id="f-2420" unitRef="usd">0</us-gaap:DerivativeLiabilityFairValueGrossAsset>
    <us-gaap:DerivativeLiabilityFairValueGrossAsset contextRef="c-8" decimals="-3" id="f-2421" unitRef="usd">0</us-gaap:DerivativeLiabilityFairValueGrossAsset>
    <us-gaap:DerivativeAssets contextRef="c-7" decimals="-3" id="f-2422" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-8" decimals="-3" id="f-2423" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeLiabilities contextRef="c-7" decimals="-3" id="f-2424" unitRef="usd">40000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-8" decimals="-3" id="f-2425" unitRef="usd">370000</us-gaap:DerivativeLiabilities>
    <slm:DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset contextRef="c-7" decimals="-3" id="f-2426" unitRef="usd">4879000</slm:DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset>
    <slm:DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset contextRef="c-8" decimals="-3" id="f-2427" unitRef="usd">9228000</slm:DerivativeAssetSubjectToMasterNettingArrangementCollateralObligationToReturnCashNotOffset>
    <us-gaap:DerivativeCollateralRightToReclaimCash contextRef="c-7" decimals="-3" id="f-2428" unitRef="usd">0</us-gaap:DerivativeCollateralRightToReclaimCash>
    <us-gaap:DerivativeCollateralRightToReclaimCash contextRef="c-8" decimals="-3" id="f-2429" unitRef="usd">0</us-gaap:DerivativeCollateralRightToReclaimCash>
    <us-gaap:DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral contextRef="c-7" decimals="-3" id="f-2430" unitRef="usd">4879000</us-gaap:DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral>
    <us-gaap:DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral contextRef="c-8" decimals="-3" id="f-2431" unitRef="usd">9228000</us-gaap:DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral>
    <us-gaap:DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral contextRef="c-7" decimals="-3" id="f-2432" unitRef="usd">40000</us-gaap:DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral>
    <us-gaap:DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral contextRef="c-8" decimals="-3" id="f-2433" unitRef="usd">370000</us-gaap:DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral>
    <us-gaap:ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock contextRef="c-1" id="f-2434">&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&gt;&lt;td style="width:13.692%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.131%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.367%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.811%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.811%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.959%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.959%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.811%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.219%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.539%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.967%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Cash Flow&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Trading&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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: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&gt;&lt;td style="background-color:#ededee;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;639,097&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,203,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;281,520&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;702,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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;920,617&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,906,092&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Net total notional&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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:8pt;font-weight:400;line-height:100%"&gt;639,097&#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&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,203,783&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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:8pt;font-weight:400;line-height:100%"&gt;281,520&#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&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;702,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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:8pt;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&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&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:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&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:8pt;font-weight:400;line-height:100%"&gt;920,617&#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&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&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:8pt;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:8pt;font-weight:400;line-height:100%"&gt;1,906,092&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfNotionalAmountsOfOutstandingDerivativePositionsTableTextBlock>
    <us-gaap:DerivativeNotionalAmount contextRef="c-365" decimals="-3" id="f-2435" unitRef="usd">639097000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-366" decimals="-3" id="f-2436" unitRef="usd">1203783000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-367" decimals="-3" id="f-2437" unitRef="usd">281520000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-368" decimals="-3" id="f-2438" unitRef="usd">702309000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-369" decimals="-3" id="f-2439" unitRef="usd">0</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-370" decimals="-3" id="f-2440" unitRef="usd">0</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-371" decimals="-3" id="f-2441" unitRef="usd">920617000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-372" decimals="-3" id="f-2442" unitRef="usd">1906092000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-373" decimals="-3" id="f-2443" unitRef="usd">639097000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-374" decimals="-3" id="f-2444" unitRef="usd">1203783000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-375" decimals="-3" id="f-2445" unitRef="usd">281520000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-376" decimals="-3" id="f-2446" unitRef="usd">702309000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-377" decimals="-3" id="f-2447" unitRef="usd">0</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-378" decimals="-3" id="f-2448" unitRef="usd">0</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-7" decimals="-3" id="f-2449" unitRef="usd">920617000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-8" decimals="-3" id="f-2450" unitRef="usd">1906092000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock contextRef="c-1" id="f-2451">&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, 2024 and 2023, 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&gt;&lt;td style="width:38.211%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.849%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.849%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.973%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.849%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.854%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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&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&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&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;2023&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(279,908)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(689,137)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;1,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;12,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock>
    <us-gaap:HedgedLiabilityFairValueHedge contextRef="c-379" decimals="-3" id="f-2452" unitRef="usd">279908000</us-gaap:HedgedLiabilityFairValueHedge>
    <us-gaap:HedgedLiabilityFairValueHedge contextRef="c-380" decimals="-3" id="f-2453" unitRef="usd">689137000</us-gaap:HedgedLiabilityFairValueHedge>
    <us-gaap:HedgedAssetFairValueHedgeCumulativeIncreaseDecrease contextRef="c-379" decimals="-3" id="f-2454" unitRef="usd">1420000</us-gaap:HedgedAssetFairValueHedgeCumulativeIncreaseDecrease>
    <us-gaap:HedgedAssetFairValueHedgeCumulativeIncreaseDecrease contextRef="c-380" decimals="-3" id="f-2455" unitRef="usd">12910000</us-gaap:HedgedAssetFairValueHedgeCumulativeIncreaseDecrease>
    <us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock contextRef="c-1" id="f-2456">Impact of Derivatives on the Consolidated Statements of Income&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&gt;&lt;td style="width:47.274%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.285%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.769%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.756%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.387%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.756%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.773%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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%;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;(15,278)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(26,054)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;16,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(11,490)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(18,350)&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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;82,043&#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;/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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;18,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(82,063)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(15,214)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(25,917)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;16,288&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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:#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Interest rate swaps:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;41,221&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;47,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Total &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;41,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;47,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;3,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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%;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;Interest rate swaps:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(248)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(248)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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;&lt;span style="-sec-ix-hidden:f-2481"&gt;&lt;span style="-sec-ix-hidden:f-2482"&gt;&lt;span style="-sec-ix-hidden:f-2483"&gt;Total&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;26,007&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;21,893&#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&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&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;19,698&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock>
    <us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings contextRef="c-381" decimals="-3" id="f-2457" unitRef="usd">-15278000</us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings>
    <us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings contextRef="c-382" decimals="-3" id="f-2458" unitRef="usd">-26054000</us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings>
    <us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings contextRef="c-383" decimals="-3" id="f-2459" unitRef="usd">16308000</us-gaap:GainLossOnFairValueHedgesRecognizedInEarnings>
    <us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1 contextRef="c-381" decimals="-3" id="f-2460" unitRef="usd">-11490000</us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1>
    <us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1 contextRef="c-382" decimals="-3" id="f-2461" unitRef="usd">-18350000</us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1>
    <us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1 contextRef="c-383" decimals="-3" id="f-2462" unitRef="usd">82043000</us-gaap:ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1>
    <us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1 contextRef="c-381" decimals="-3" id="f-2463" unitRef="usd">11554000</us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1>
    <us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1 contextRef="c-382" decimals="-3" id="f-2464" unitRef="usd">18487000</us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1>
    <us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1 contextRef="c-383" decimals="-3" id="f-2465" unitRef="usd">-82063000</us-gaap:ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1>
    <us-gaap:DerivativeGainLossOnDerivativeNet contextRef="c-381" decimals="-3" id="f-2466" unitRef="usd">-15214000</us-gaap:DerivativeGainLossOnDerivativeNet>
    <us-gaap:DerivativeGainLossOnDerivativeNet contextRef="c-382" decimals="-3" id="f-2467" unitRef="usd">-25917000</us-gaap:DerivativeGainLossOnDerivativeNet>
    <us-gaap:DerivativeGainLossOnDerivativeNet contextRef="c-383" decimals="-3" id="f-2468" unitRef="usd">16288000</us-gaap:DerivativeGainLossOnDerivativeNet>
    <us-gaap:InterestExpense contextRef="c-384" decimals="-3" id="f-2469" unitRef="usd">41221000</us-gaap:InterestExpense>
    <us-gaap:InterestExpense contextRef="c-385" decimals="-3" id="f-2470" unitRef="usd">47810000</us-gaap:InterestExpense>
    <us-gaap:InterestExpense contextRef="c-386" decimals="-3" id="f-2471" unitRef="usd">3658000</us-gaap:InterestExpense>
    <us-gaap:InterestExpense contextRef="c-384" decimals="-3" id="f-2472" unitRef="usd">41221000</us-gaap:InterestExpense>
    <us-gaap:InterestExpense contextRef="c-385" decimals="-3" id="f-2473" unitRef="usd">47810000</us-gaap:InterestExpense>
    <us-gaap:InterestExpense contextRef="c-386" decimals="-3" id="f-2474" unitRef="usd">3658000</us-gaap:InterestExpense>
    <slm:DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings contextRef="c-387" decimals="-3" id="f-2475" unitRef="usd">0</slm:DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings>
    <slm:DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings contextRef="c-388" decimals="-3" id="f-2476" unitRef="usd">0</slm:DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings>
    <slm:DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings contextRef="c-389" decimals="-3" id="f-2477" unitRef="usd">-248000</slm:DerivativeInstrumentsIncreaseDecreaseInFairValueOfFutureInterestPaymentsRecordedInEarnings>
    <us-gaap:DerivativeGainLossOnDerivativeNet contextRef="c-387" decimals="-3" id="f-2478" unitRef="usd">0</us-gaap:DerivativeGainLossOnDerivativeNet>
    <us-gaap:DerivativeGainLossOnDerivativeNet contextRef="c-388" decimals="-3" id="f-2479" unitRef="usd">0</us-gaap:DerivativeGainLossOnDerivativeNet>
    <us-gaap:DerivativeGainLossOnDerivativeNet contextRef="c-389" decimals="-3" id="f-2480" unitRef="usd">-248000</us-gaap:DerivativeGainLossOnDerivativeNet>
    <us-gaap:DerivativeGainLossOnDerivativeNet contextRef="c-1" decimals="-3" id="f-2484" unitRef="usd">26007000</us-gaap:DerivativeGainLossOnDerivativeNet>
    <us-gaap:DerivativeGainLossOnDerivativeNet contextRef="c-9" decimals="-3" id="f-2485" unitRef="usd">21893000</us-gaap:DerivativeGainLossOnDerivativeNet>
    <us-gaap:DerivativeGainLossOnDerivativeNet contextRef="c-10" decimals="-3" id="f-2486" unitRef="usd">19698000</us-gaap:DerivativeGainLossOnDerivativeNet>
    <us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock contextRef="c-1" id="f-2487">Impact of Derivatives on the Statements of Changes in Stockholders&#x2019; Equity&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&gt;&lt;td style="width:55.139%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.906%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.352%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.028%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&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;10,827&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;13,353&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;97,389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;41,221&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;47,810&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;3,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(30,394)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(34,457)&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&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&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;93,731&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax contextRef="c-1" decimals="-3" id="f-2488" unitRef="usd">10827000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax contextRef="c-9" decimals="-3" id="f-2489" unitRef="usd">13353000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax contextRef="c-10" decimals="-3" id="f-2490" unitRef="usd">97389000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax contextRef="c-1" decimals="-3" id="f-2491" unitRef="usd">41221000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax contextRef="c-9" decimals="-3" id="f-2492" unitRef="usd">47810000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax contextRef="c-10" decimals="-3" id="f-2493" unitRef="usd">3658000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax>
    <slm:ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit contextRef="c-1" decimals="-3" id="f-2494" unitRef="usd">-30394000</slm:ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit>
    <slm:ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit contextRef="c-9" decimals="-3" id="f-2495" unitRef="usd">-34457000</slm:ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit>
    <slm:ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit contextRef="c-10" decimals="-3" id="f-2496" unitRef="usd">93731000</slm:ChangeInOtherComprehensiveIncomeLossForUnrealizedGainsLossesOnDerivativesBeforeIncomeTaxExpenseBenefit>
    <us-gaap:CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths contextRef="c-1" decimals="-6" id="f-2497" unitRef="usd">-21000000</us-gaap:CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths>
    <slm:DerivativeCashCollateralHeldRelativetoDerivativeExposureNet contextRef="c-7" decimals="INF" id="f-2498" unitRef="usd">0</slm:DerivativeCashCollateralHeldRelativetoDerivativeExposureNet>
    <slm:DerivativeCashCollateralHeldRelativetoDerivativeExposureNet contextRef="c-8" decimals="INF" id="f-2499" unitRef="usd">0</slm:DerivativeCashCollateralHeldRelativetoDerivativeExposureNet>
    <us-gaap:DerivativeAssetCollateralObligationToReturnCashOffset contextRef="c-7" decimals="-6" id="f-2500" unitRef="usd">5000000</us-gaap:DerivativeAssetCollateralObligationToReturnCashOffset>
    <us-gaap:DerivativeAssetCollateralObligationToReturnCashOffset contextRef="c-8" decimals="-6" id="f-2501" unitRef="usd">9000000</us-gaap:DerivativeAssetCollateralObligationToReturnCashOffset>
    <us-gaap:StockholdersEquityNoteDisclosureTextBlock contextRef="c-1" id="f-2502">Stockholders&#x2019; Equity&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;Preferred Stock &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&#160;31, 2024, we had 2.5 million&#160;shares of Floating-Rate Non-Cumulative Preferred Stock, Series B (the &#x201c;Series B Preferred Stock&#x201d;) 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 were entitled to receive quarterly dividends based on 3-month LIBOR plus 170 basis points per annum in arrears, until the transition to SOFR in the third quarter of 2023. The first dividends on our Series B Preferred Stock that were based on a SOFR rate were declared dividends paid on December 15, 2023, which were based on the adjusted 3-month CME Term SOFR plus 170 basis points per annum in arrears, where the adjusted 3-month CME Term SOFR includes the LIBOR Benchmark Replacement Adjustment of 26.161 basis points. 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:6pt;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, 2024, 210 million shares were issued and outstanding and 33 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:6pt;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, 2024, we paid a total common stock dividend of $0.46 per common share. In both the years ended December 31, 2023 and 2022, we paid a total common stock dividend of $0.44 per common share. 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;In January 2020, we announced a share repurchase program of up to $600 million of common stock. This program expired in January 2022. In January 2021, we announced an additional share repurchase program of up to $1.25&#160;billion of common stock (the &#x201c;2021 Share Repurchase Program&#x201d;) that expired in January 2023. In October 2021, our Board of Directors approved a $250&#160;million increase in the amount of common stock that could be repurchased under the 2021 Share Repurchase Program, resulting in a total authorization of $1.5&#160;billion of common stock. In January 2022, we announced a share repurchase program of up to $1.25&#160;billion of common stock that expired in January 2024.&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:112%"&gt;In January 2024, we announced a new share repurchase program of up to $650&#160;million of common stock (the &#x201c;2024 Share Repurchase Program&#x201d;). The program expires in February 2026. We had $402 million of capacity remaining under the 2024 Share Repurchase Program at December 31, 2024. &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;Under the above share repurchase programs, repurchases could occur from time to time and through a variety of methods, including open market repurchases, repurchases effected through Rule 10b5-1 trading plans, negotiated block purchases, accelerated share repurchase programs, tender offers, or other similar transactions. The timing and volume of any repurchases are subject to market conditions, and there can be no guarantee that the Company will repurchase up to the limit of the 2024 Share Repurchase 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-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:6pt;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 years ended December 31, 2024, 2023, and 2022, we repurchased 12&#160;million, 22&#160;million, and 40&#160;million shares, respectively, of our common stock at a total cost of $250&#160;million, $349&#160;million, and $708&#160;million, respectively, under Rule 10b5-1 trading plans authorized under our share repurchase programs. &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 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&gt;&lt;td style="width:54.514%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.707%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.378%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.707%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.080%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2022&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)&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,586,103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;22,341,595&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;40,253,548&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;21.59&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;15.64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;17.58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&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;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;749,866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,099,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,135,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20.19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;15.46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;18.36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&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;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,374,379&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,109,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,107,768&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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. There was $402 million of capacity remaining under the 2024 Share Repurchase Program at December 31, 2024. &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;(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; &#160;&#160;&#160;&#160; Average purchase price per share includes purchase commission costs and excise taxes. &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;(3)&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;Comprised of shares withheld from stock option exercises and the vesting of restricted stock, restricted stock units, performance stock units, and dividend equivalent units for employees&#x2019; tax withholding obligations and shares tendered by employees to satisfy option exercise costs. &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;(4)&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 issued under our various compensation and benefit plans. &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&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:9pt;padding-left:78.75pt;padding-right:36pt;text-indent:-15.75pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:1pt;font-weight:400;line-height:120%"&gt;&#160;&lt;/span&gt;&lt;/div&gt;The closing price of our common stock on the NASDAQ Global Select Market on December&#160;31, 2024 was $27.58.</us-gaap:StockholdersEquityNoteDisclosureTextBlock>
    <us-gaap:PreferredStockSharesOutstanding
      contextRef="c-390"
      decimals="-5"
      id="f-2503"
      unitRef="shares">2500000</us-gaap:PreferredStockSharesOutstanding>
    <us-gaap:PreferredStockDividendRatePercentage
      contextRef="c-391"
      decimals="4"
      id="f-2504"
      unitRef="number">0.0170</us-gaap:PreferredStockDividendRatePercentage>
    <us-gaap:PreferredStockDividendRatePercentage
      contextRef="c-392"
      decimals="4"
      id="f-2505"
      unitRef="number">0.0170</us-gaap:PreferredStockDividendRatePercentage>
    <us-gaap:PreferredStockDividendRatePercentage
      contextRef="c-393"
      decimals="7"
      id="f-2506"
      unitRef="number">0.0026161</us-gaap:PreferredStockDividendRatePercentage>
    <us-gaap:PreferredStockLiquidationPreference
      contextRef="c-390"
      decimals="0"
      id="f-2507"
      unitRef="usdPerShare">100</us-gaap:PreferredStockLiquidationPreference>
    <us-gaap:CommonStockSharesAuthorized
      contextRef="c-394"
      decimals="-6"
      id="f-2508"
      unitRef="shares">1125000000</us-gaap:CommonStockSharesAuthorized>
    <us-gaap:CommonStockParOrStatedValuePerShare
      contextRef="c-394"
      decimals="2"
      id="f-2509"
      unitRef="usdPerShare">0.20</us-gaap:CommonStockParOrStatedValuePerShare>
    <us-gaap:CommonStockSharesIssued
      contextRef="c-394"
      decimals="-6"
      id="f-2510"
      unitRef="shares">210000000</us-gaap:CommonStockSharesIssued>
    <us-gaap:CommonStockSharesOutstanding
      contextRef="c-394"
      decimals="-6"
      id="f-2511"
      unitRef="shares">210000000</us-gaap:CommonStockSharesOutstanding>
    <slm:CommonSharesUnissuedButEncumbered
      contextRef="c-394"
      decimals="-6"
      id="f-2512"
      unitRef="shares">33000000</slm:CommonSharesUnissuedButEncumbered>
    <us-gaap:CommonStockDividendsPerShareCashPaid
      contextRef="c-1"
      decimals="2"
      id="f-2513"
      unitRef="usdPerShare">0.46</us-gaap:CommonStockDividendsPerShareCashPaid>
    <us-gaap:CommonStockDividendsPerShareCashPaid
      contextRef="c-9"
      decimals="2"
      id="f-2514"
      unitRef="usdPerShare">0.44</us-gaap:CommonStockDividendsPerShareCashPaid>
    <us-gaap:CommonStockDividendsPerShareCashPaid
      contextRef="c-10"
      decimals="2"
      id="f-2515"
      unitRef="usdPerShare">0.44</us-gaap:CommonStockDividendsPerShareCashPaid>
    <srt:StockRepurchaseProgramAuthorizedAmount1 contextRef="c-395" decimals="-6" id="f-2516" unitRef="usd">600000000</srt:StockRepurchaseProgramAuthorizedAmount1>
    <srt:StockRepurchaseProgramAuthorizedAmount1 contextRef="c-396" decimals="-7" id="f-2517" unitRef="usd">1250000000</srt:StockRepurchaseProgramAuthorizedAmount1>
    <slm:StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased contextRef="c-397" decimals="-6" id="f-2518" unitRef="usd">250000000</slm:StockRepurchaseProgramNumberOfAdditionalSharesAuthorizedToBeRepurchased>
    <srt:StockRepurchaseProgramAuthorizedAmount1 contextRef="c-398" decimals="-8" id="f-2519" unitRef="usd">1500000000</srt:StockRepurchaseProgramAuthorizedAmount1>
    <srt:StockRepurchaseProgramAuthorizedAmount1 contextRef="c-399" decimals="-7" id="f-2520" unitRef="usd">1250000000</srt:StockRepurchaseProgramAuthorizedAmount1>
    <srt:StockRepurchaseProgramAuthorizedAmount1 contextRef="c-400" decimals="-6" id="f-2521" unitRef="usd">650000000</srt:StockRepurchaseProgramAuthorizedAmount1>
    <us-gaap:StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1 contextRef="c-401" decimals="-6" id="f-2522" unitRef="usd">402000000</us-gaap:StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1>
    <us-gaap:TreasuryStockSharesAcquired
      contextRef="c-402"
      decimals="-6"
      id="f-2523"
      unitRef="shares">12000000</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockSharesAcquired
      contextRef="c-403"
      decimals="-6"
      id="f-2524"
      unitRef="shares">22000000</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockSharesAcquired
      contextRef="c-404"
      decimals="-6"
      id="f-2525"
      unitRef="shares">40000000</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockValueAcquiredCostMethod contextRef="c-402" decimals="-6" id="f-2526" unitRef="usd">250000000</us-gaap:TreasuryStockValueAcquiredCostMethod>
    <us-gaap:TreasuryStockValueAcquiredCostMethod contextRef="c-403" decimals="-6" id="f-2527" unitRef="usd">349000000</us-gaap:TreasuryStockValueAcquiredCostMethod>
    <us-gaap:TreasuryStockValueAcquiredCostMethod contextRef="c-404" decimals="-6" id="f-2528" unitRef="usd">708000000</us-gaap:TreasuryStockValueAcquiredCostMethod>
    <us-gaap:ScheduleOfTreasuryStockByClassTextBlock contextRef="c-1" id="f-2529">&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 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&gt;&lt;td style="width:54.514%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.707%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.378%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.707%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.080%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.937%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;2022&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)&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,586,103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;22,341,595&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;40,253,548&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;21.59&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;15.64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;17.58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&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;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;749,866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,099,241&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,135,509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20.19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;15.46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;18.36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&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;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,374,379&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,109,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,107,768&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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. There was $402 million of capacity remaining under the 2024 Share Repurchase Program at December 31, 2024. &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;(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; &#160;&#160;&#160;&#160; Average purchase price per share includes purchase commission costs and excise taxes. &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;(3)&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;Comprised of shares withheld from stock option exercises and the vesting of restricted stock, restricted stock units, performance stock units, and dividend equivalent units for employees&#x2019; tax withholding obligations and shares tendered by employees to satisfy option exercise costs. &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;(4)&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;Common shares issued under our various compensation and benefit plans.</us-gaap:ScheduleOfTreasuryStockByClassTextBlock>
    <us-gaap:TreasuryStockSharesAcquired
      contextRef="c-1"
      decimals="INF"
      id="f-2530"
      unitRef="shares">11586103</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockSharesAcquired
      contextRef="c-9"
      decimals="INF"
      id="f-2531"
      unitRef="shares">22341595</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockSharesAcquired
      contextRef="c-10"
      decimals="INF"
      id="f-2532"
      unitRef="shares">40253548</us-gaap:TreasuryStockSharesAcquired>
    <slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts
      contextRef="c-1"
      decimals="2"
      id="f-2533"
      unitRef="usdPerShare">21.59</slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts>
    <slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts
      contextRef="c-9"
      decimals="2"
      id="f-2534"
      unitRef="usdPerShare">15.64</slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts>
    <slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts
      contextRef="c-10"
      decimals="2"
      id="f-2535"
      unitRef="usdPerShare">17.58</slm:TreasuryStockAcquiredAverageCostPerShareIncludingCommissionCosts>
    <us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation
      contextRef="c-1"
      decimals="INF"
      id="f-2536"
      unitRef="shares">749866</us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation>
    <us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation
      contextRef="c-9"
      decimals="INF"
      id="f-2537"
      unitRef="shares">1099241</us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation>
    <us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation
      contextRef="c-10"
      decimals="INF"
      id="f-2538"
      unitRef="shares">1135509</us-gaap:SharesPaidForTaxWithholdingForShareBasedCompensation>
    <us-gaap:TreasuryStockAcquiredAverageCostPerShare
      contextRef="c-1"
      decimals="2"
      id="f-2539"
      unitRef="usdPerShare">20.19</us-gaap:TreasuryStockAcquiredAverageCostPerShare>
    <us-gaap:TreasuryStockAcquiredAverageCostPerShare
      contextRef="c-9"
      decimals="2"
      id="f-2540"
      unitRef="usdPerShare">15.46</us-gaap:TreasuryStockAcquiredAverageCostPerShare>
    <us-gaap:TreasuryStockAcquiredAverageCostPerShare
      contextRef="c-10"
      decimals="2"
      id="f-2541"
      unitRef="usdPerShare">18.36</us-gaap:TreasuryStockAcquiredAverageCostPerShare>
    <us-gaap:StockIssuedDuringPeriodSharesNewIssues
      contextRef="c-1"
      decimals="INF"
      id="f-2542"
      unitRef="shares">2374379</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
    <us-gaap:StockIssuedDuringPeriodSharesNewIssues
      contextRef="c-9"
      decimals="INF"
      id="f-2543"
      unitRef="shares">3109276</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
    <us-gaap:StockIssuedDuringPeriodSharesNewIssues
      contextRef="c-10"
      decimals="INF"
      id="f-2544"
      unitRef="shares">3107768</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
    <us-gaap:StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1 contextRef="c-401" decimals="-6" id="f-2545" unitRef="usd">402000000</us-gaap:StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1>
    <us-gaap:SharePrice
      contextRef="c-394"
      decimals="2"
      id="f-2546"
      unitRef="usdPerShare">27.58</us-gaap:SharePrice>
    <us-gaap:EarningsPerShareTextBlock contextRef="c-1" id="f-2547">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:93.055%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.546%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.989%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.546%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.482%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.546%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.633%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;Years ended December 31, (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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;608,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;581,391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;469,014&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;17,705&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;9,029&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;590,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;563,686&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;459,985&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;216,220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;231,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;258,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Effect of dilutive securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;3,064&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;219,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;234,063&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;261,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;2.73&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;1.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;2.41&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"&gt;&lt;/td&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;1.76&#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&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, 2024, 2023, and 2022, securities covering approximately less than 1 million shares, 1 million shares, and 1 million 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="c-1" id="f-2548">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:93.055%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.258%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.546%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.989%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.546%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.482%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.546%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.633%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:8pt;font-weight:700;line-height:100%"&gt;Years ended December 31, (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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;608,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;581,391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;469,014&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;17,705&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;9,029&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;590,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;563,686&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;459,985&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;216,220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;231,411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;258,439&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Effect of dilutive securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,714&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,652&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;3,064&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;219,934&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;234,063&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;261,503&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;2.73&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;1.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&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;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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;2.41&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;padding:0 1pt"&gt;&lt;/td&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;1.76&#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&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, 2024, 2023, and 2022, securities covering approximately less than 1 million shares, 1 million shares, and 1 million shares, respectively, were outstanding but not included in the computation of diluted earnings per share because they were anti-dilutive.</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
    <us-gaap:NetIncomeLoss contextRef="c-1" decimals="-3" id="f-2549" unitRef="usd">608325000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-9" decimals="-3" id="f-2550" unitRef="usd">581391000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-10" decimals="-3" id="f-2551" unitRef="usd">469014000</us-gaap:NetIncomeLoss>
    <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="c-1" decimals="-3" id="f-2552" unitRef="usd">18296000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
    <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="c-9" decimals="-3" id="f-2553" unitRef="usd">17705000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
    <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="c-10" decimals="-3" id="f-2554" unitRef="usd">9029000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-1" decimals="-3" id="f-2555" unitRef="usd">590029000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="c-1" decimals="-3" id="f-2556" unitRef="usd">590029000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-9" decimals="-3" id="f-2557" unitRef="usd">563686000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="c-9" decimals="-3" id="f-2558" unitRef="usd">563686000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="c-10" decimals="-3" id="f-2559" unitRef="usd">459985000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-10" decimals="-3" id="f-2560" unitRef="usd">459985000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="c-1" decimals="-3" id="f-2561" unitRef="shares">216220000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
    <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="c-9" decimals="-3" id="f-2562" unitRef="shares">231411000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
    <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic
      contextRef="c-10"
      decimals="-3"
      id="f-2563"
      unitRef="shares">258439000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
    <us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements contextRef="c-1" decimals="-3" id="f-2564" unitRef="shares">3714000</us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements>
    <us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements contextRef="c-9" decimals="-3" id="f-2565" unitRef="shares">2652000</us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements>
    <us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
      contextRef="c-10"
      decimals="-3"
      id="f-2566"
      unitRef="shares">3064000</us-gaap:IncrementalCommonSharesAttributableToShareBasedPaymentArrangements>
    <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="c-1" decimals="-3" id="f-2567" unitRef="shares">219934000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
    <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="c-9" decimals="-3" id="f-2568" unitRef="shares">234063000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
    <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding
      contextRef="c-10"
      decimals="-3"
      id="f-2569"
      unitRef="shares">261503000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
    <us-gaap:EarningsPerShareBasic
      contextRef="c-1"
      decimals="2"
      id="f-2570"
      unitRef="usdPerShare">2.73</us-gaap:EarningsPerShareBasic>
    <us-gaap:EarningsPerShareBasic
      contextRef="c-9"
      decimals="2"
      id="f-2571"
      unitRef="usdPerShare">2.44</us-gaap:EarningsPerShareBasic>
    <us-gaap:EarningsPerShareBasic
      contextRef="c-10"
      decimals="2"
      id="f-2572"
      unitRef="usdPerShare">1.78</us-gaap:EarningsPerShareBasic>
    <us-gaap:EarningsPerShareDiluted
      contextRef="c-1"
      decimals="2"
      id="f-2573"
      unitRef="usdPerShare">2.68</us-gaap:EarningsPerShareDiluted>
    <us-gaap:EarningsPerShareDiluted
      contextRef="c-9"
      decimals="2"
      id="f-2574"
      unitRef="usdPerShare">2.41</us-gaap:EarningsPerShareDiluted>
    <us-gaap:EarningsPerShareDiluted
      contextRef="c-10"
      decimals="2"
      id="f-2575"
      unitRef="usdPerShare">1.76</us-gaap:EarningsPerShareDiluted>
    <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="c-1" decimals="-6" id="f-2576" unitRef="shares">1000000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
    <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="c-9" decimals="-6" id="f-2577" unitRef="shares">1000000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
    <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
      contextRef="c-10"
      decimals="-6"
      id="f-2578"
      unitRef="shares">1000000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
    <us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="c-1" id="f-2579">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, 2024, 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, 2024, 14&#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, 2024 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, 2024, 2023, and 2022 was $40 million, $36 million, and $34 million, respectively. As of December&#160;31, 2024, there was $23 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 1.5 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 86,536 time-vested options granted in the year ended December 31, 2022. The options were granted to team members of an acquisition that took place in the first half of the year in 2022. The exercise price of the options is equal to 100 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 a Black-Scholes option 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 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, 2023 and 2024.&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;The following table summarizes stock option activity for the year ended December&#160;31, 2024.&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&gt;&lt;td style="width:42.945%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.022%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.745%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.565%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.745%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.565%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.745%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.568%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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&gt;&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&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, 2023&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;1,066,197&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;17.59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&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;(65,668)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;17.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&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, 2024&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;1,000,529&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17.59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.2 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;9,997&#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;/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;Exercisable at December&#160;31, 2024&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;933,223&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.1 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;9,267&#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&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, 2024 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, 2024.&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 the options exercised was $0.3 million for the year ended December 31, 2024. No options were exercised in the years ended December 31, 2023 and 2022.&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;Cash of $1 million was received from option exercises for the year ended December 31, 2024. The actual tax benefit realized for the tax deductions from option exercises totaled less than $1 million for the year ended December 31, 2024.&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, 2024. &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&gt;&lt;td style="width:56.179%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.663%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.665%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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, 2023&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;83,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;16.47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;77,759&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;20.51&#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;/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&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;(83,479)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;16.47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;(7,069)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;20.51&#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;/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&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, 2024&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;70,690&#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&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&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;20.51&#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&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, 2024, 2023, and 2022 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, 2024, there was $0.7 million of unrecognized compensation cost related to restricted stock, which is expected to be recognized over a weighted average period of 0.5 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. The fair value of each PSU grant was estimated on the date of grant using the Monte Carlo simulation-pricing model.&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, 2024.&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&gt;&lt;td style="width:56.683%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.979%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.420%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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, 2023&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;4,346,994&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;16.39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;2,061,763&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;20.22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&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;(1,932,557)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;16.39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;(38,019)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;18.25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&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, 2024&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;4,438,181&#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&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&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;18.16&#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&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, 2024, 2023, and 2022 was $32 million, $35&#160;million, and $34 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, 2024, there was $22 million of unrecognized compensation cost related to RSUs/PSUs, which is expected to be recognized over a weighted average period of 1.5 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;&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;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:79.444%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.674%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.674%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.112%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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;4.56&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.31&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.02&#160;&lt;/span&gt;&lt;/td&gt;&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;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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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;1.99&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.73&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.78&#160;&lt;/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&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&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;/tr&gt;&lt;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 fair value of stock purchase rights&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;5.07&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;4.17&#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;/td&gt;&lt;/tr&gt;&lt;/table&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 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. &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 fair values were amortized to compensation cost on a straight-line basis over a one-year vesting period. As of December&#160;31, 2024, there was less than $1 million of unrecognized compensation cost related to the ESPP, which is expected to be recognized by July 2025.&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;During the years ended December 31, 2023 and 2024, plan participants purchased approximately 195,000 shares and 227,000 shares, respectively, of our common stock. No shares were purchased for the year ended December 31, 2022, as our stock price on July 31, 2022 was less than the offering price for the ESPP plan.&lt;/span&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
    <slm:NumberofCompensationPlans
      contextRef="c-1"
      decimals="INF"
      id="f-2580"
      unitRef="numberofcompensationplan">1</slm:NumberofCompensationPlans>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized
      contextRef="c-405"
      decimals="-6"
      id="f-2581"
      unitRef="shares">14000000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized
      contextRef="c-406"
      decimals="-6"
      id="f-2582"
      unitRef="shares">14000000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>
    <us-gaap:ShareBasedCompensation contextRef="c-1" decimals="-6" id="f-2583" unitRef="usd">40000000</us-gaap:ShareBasedCompensation>
    <us-gaap:ShareBasedCompensation contextRef="c-9" decimals="-6" id="f-2584" unitRef="usd">36000000</us-gaap:ShareBasedCompensation>
    <us-gaap:ShareBasedCompensation contextRef="c-10" decimals="-6" id="f-2585" unitRef="usd">34000000</us-gaap:ShareBasedCompensation>
    <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized contextRef="c-7" decimals="-6" id="f-2586" unitRef="usd">23000000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized>
    <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="c-1" id="f-2587">P1Y6M</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
      contextRef="c-10"
      decimals="INF"
      id="f-2588"
      unitRef="shares">86536</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>
    <slm:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent contextRef="c-10" decimals="2" id="f-2589" unitRef="number">1</slm:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePriceMultiplierPercent>
    <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage contextRef="c-10" decimals="2" id="f-2590" unitRef="number">1</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage>
    <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod contextRef="c-10" id="f-2591">P10Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
      contextRef="c-9"
      decimals="INF"
      id="f-2592"
      unitRef="shares">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>
    <us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock contextRef="c-1" id="f-2593">The following table summarizes stock option activity for the year ended December&#160;31, 2024.&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&gt;&lt;td style="width:42.945%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.022%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.745%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.565%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.745%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.565%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.745%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.568%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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&gt;&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&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, 2023&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;1,066,197&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;17.59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&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;(65,668)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;17.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&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, 2024&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;1,000,529&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17.59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.2 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;9,997&#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;/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;Exercisable at December&#160;31, 2024&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;933,223&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;17.65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;6.1 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;9,267&#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&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, 2024 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, 2024.&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 the options exercised was $0.3 million for the year ended December 31, 2024. No options were exercised in the years ended December 31, 2023 and 2022.&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;Cash of $1 million was received from option exercises for the year ended December 31, 2024. The actual tax benefit realized for the tax deductions from option exercises totaled less than $1 million for the year ended December 31, 2024.&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>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber contextRef="c-8" decimals="0" id="f-2594" unitRef="shares">1066197</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
      contextRef="c-8"
      decimals="2"
      id="f-2595"
      unitRef="usdPerShare">17.59</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod contextRef="c-1" decimals="0" id="f-2596" unitRef="shares">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod>
    <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
      contextRef="c-1"
      decimals="2"
      id="f-2597"
      unitRef="usdPerShare">0</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice>
    <us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised contextRef="c-1" decimals="0" id="f-2598" unitRef="shares">65668</us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised>
    <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
      contextRef="c-1"
      decimals="2"
      id="f-2599"
      unitRef="usdPerShare">17.65</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod contextRef="c-1" decimals="0" id="f-2600" unitRef="shares">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod>
    <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
      contextRef="c-1"
      decimals="2"
      id="f-2601"
      unitRef="usdPerShare">0</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber contextRef="c-7" decimals="0" id="f-2602" unitRef="shares">1000529</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
      contextRef="c-7"
      decimals="2"
      id="f-2603"
      unitRef="usdPerShare">17.59</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice>
    <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2 contextRef="c-1" id="f-2604">P6Y2M12D</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue contextRef="c-7" decimals="-3" id="f-2605" unitRef="usd">9997000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber contextRef="c-7" decimals="0" id="f-2606" unitRef="shares">933223</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice
      contextRef="c-7"
      decimals="2"
      id="f-2607"
      unitRef="usdPerShare">17.65</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
    <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1 contextRef="c-1" id="f-2608">P6Y1M6D</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1>
    <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1 contextRef="c-7" decimals="-3" id="f-2609" unitRef="usd">9267000</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="c-1" decimals="INF" id="f-2610" unitRef="usd">300000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="c-9" decimals="INF" id="f-2611" unitRef="usd">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="c-10" decimals="INF" id="f-2612" unitRef="usd">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>
    <us-gaap:ProceedsFromStockOptionsExercised contextRef="c-1" decimals="-6" id="f-2613" unitRef="usd">1000000</us-gaap:ProceedsFromStockOptionsExercised>
    <us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions contextRef="c-1" decimals="-6" id="f-2614" unitRef="usd">1000000</us-gaap:EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="c-407" id="f-2615">P1Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
    <us-gaap:ScheduleOfNonvestedShareActivityTableTextBlock contextRef="c-1" id="f-2616">&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, 2024. &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&gt;&lt;td style="width:56.179%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.663%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.993%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.665%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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, 2023&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;83,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;16.47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;77,759&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;20.51&#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;/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&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;(83,479)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;16.47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;(7,069)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;20.51&#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;/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&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, 2024&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;70,690&#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&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&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;20.51&#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&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, 2024, 2023, and 2022 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, 2024, there was $0.7 million of unrecognized compensation cost related to restricted stock, which is expected to be recognized over a weighted average period of 0.5 years.&lt;/span&gt;&lt;/div&gt;</us-gaap:ScheduleOfNonvestedShareActivityTableTextBlock>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
      contextRef="c-408"
      decimals="0"
      id="f-2617"
      unitRef="shares">83479</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
      contextRef="c-408"
      decimals="2"
      id="f-2618"
      unitRef="usdPerShare">16.47</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod
      contextRef="c-407"
      decimals="0"
      id="f-2619"
      unitRef="shares">77759</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-407"
      decimals="2"
      id="f-2620"
      unitRef="usdPerShare">20.51</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod
      contextRef="c-407"
      decimals="0"
      id="f-2621"
      unitRef="shares">83479</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-407"
      decimals="2"
      id="f-2622"
      unitRef="usdPerShare">16.47</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod
      contextRef="c-407"
      decimals="0"
      id="f-2623"
      unitRef="shares">7069</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod>
    <slm:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-407"
      decimals="2"
      id="f-2624"
      unitRef="usdPerShare">20.51</slm:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
      contextRef="c-409"
      decimals="0"
      id="f-2625"
      unitRef="shares">70690</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
      contextRef="c-409"
      decimals="2"
      id="f-2626"
      unitRef="usdPerShare">20.51</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue contextRef="c-407" decimals="-6" id="f-2627" unitRef="usd">1000000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue contextRef="c-410" decimals="-6" id="f-2628" unitRef="usd">1000000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue contextRef="c-411" decimals="-6" id="f-2629" unitRef="usd">1000000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue>
    <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized contextRef="c-409" decimals="-5" id="f-2630" unitRef="usd">700000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized>
    <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="c-407" id="f-2631">P0Y6M</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="c-412" id="f-2632">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="c-413" id="f-2633">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
    <slm:ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock contextRef="c-1" id="f-2634">&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, 2024.&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&gt;&lt;td style="width:56.683%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.418%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.979%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.420%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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, 2023&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;4,346,994&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;16.39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;2,061,763&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;20.22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&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;(1,932,557)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;16.39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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;(38,019)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;18.25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&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, 2024&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;4,438,181&#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&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&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;18.16&#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&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, 2024, 2023, and 2022 was $32 million, $35&#160;million, and $34 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, 2024, there was $22 million of unrecognized compensation cost related to RSUs/PSUs, which is expected to be recognized over a weighted average period of 1.5 years.&lt;/span&gt;&lt;/div&gt;</slm:ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
      contextRef="c-414"
      decimals="0"
      id="f-2635"
      unitRef="shares">4346994</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
      contextRef="c-414"
      decimals="2"
      id="f-2636"
      unitRef="usdPerShare">16.39</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod
      contextRef="c-415"
      decimals="0"
      id="f-2637"
      unitRef="shares">2061763</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-415"
      decimals="2"
      id="f-2638"
      unitRef="usdPerShare">20.22</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod
      contextRef="c-415"
      decimals="0"
      id="f-2639"
      unitRef="shares">1932557</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-415"
      decimals="2"
      id="f-2640"
      unitRef="usdPerShare">16.39</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod
      contextRef="c-415"
      decimals="0"
      id="f-2641"
      unitRef="shares">38019</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod>
    <slm:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-415"
      decimals="2"
      id="f-2642"
      unitRef="usdPerShare">18.25</slm:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsCanceledForfeitedInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
      contextRef="c-416"
      decimals="0"
      id="f-2643"
      unitRef="shares">4438181</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
      contextRef="c-416"
      decimals="2"
      id="f-2644"
      unitRef="usdPerShare">18.16</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
    <slm:FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock contextRef="c-415" decimals="-6" id="f-2645" unitRef="usd">32000000</slm:FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock>
    <slm:FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock contextRef="c-417" decimals="-6" id="f-2646" unitRef="usd">35000000</slm:FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock>
    <slm:FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock contextRef="c-418" decimals="-6" id="f-2647" unitRef="usd">34000000</slm:FairValueOfRestrictedStockUnitsThatVestedAndConvertedToCommonStock>
    <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized contextRef="c-416" decimals="-6" id="f-2648" unitRef="usd">22000000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized>
    <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="c-415" id="f-2649">P1Y6M</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
    <slm:OfferingPeriodOfEmployeeStockPurchasePlan contextRef="c-1" id="f-2650">P12M</slm:OfferingPeriodOfEmployeeStockPurchasePlan>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate
      contextRef="c-419"
      decimals="2"
      id="f-2651"
      unitRef="number">0.15</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardDiscountFromMarketPriceOfferingDate>
    <slm:MaximumContributionAmountPerEmployeeToEspp contextRef="c-1" decimals="0" id="f-2652" unitRef="usd">7500</slm:MaximumContributionAmountPerEmployeeToEspp>
    <us-gaap:ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock contextRef="c-1" id="f-2653">&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:79.444%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:51.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.674%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.109%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.674%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.112%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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;4.56&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;5.31&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3.02&#160;&lt;/span&gt;&lt;/td&gt;&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;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: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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/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;1.99&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.73&#160;&lt;/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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.78&#160;&lt;/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&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&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;/tr&gt;&lt;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 fair value of stock purchase rights&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;5.07&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;4.14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;4.17&#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;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfShareBasedPaymentAwardEmployeeStockPurchasePlanValuationAssumptionsTableTextBlock>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
      contextRef="c-419"
      decimals="4"
      id="f-2654"
      unitRef="number">0.0456</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
      contextRef="c-420"
      decimals="4"
      id="f-2655"
      unitRef="number">0.0531</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
      contextRef="c-421"
      decimals="4"
      id="f-2656"
      unitRef="number">0.0302</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
      contextRef="c-419"
      decimals="2"
      id="f-2657"
      unitRef="number">0.27</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
      contextRef="c-420"
      decimals="2"
      id="f-2658"
      unitRef="number">0.38</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
      contextRef="c-421"
      decimals="2"
      id="f-2659"
      unitRef="number">0.39</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
      contextRef="c-419"
      decimals="4"
      id="f-2660"
      unitRef="number">0.0199</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
      contextRef="c-420"
      decimals="4"
      id="f-2661"
      unitRef="number">0.0273</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
      contextRef="c-421"
      decimals="4"
      id="f-2662"
      unitRef="number">0.0278</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate>
    <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1 contextRef="c-419" id="f-2663">P1Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1>
    <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1 contextRef="c-420" id="f-2664">P1Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1>
    <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1 contextRef="c-421" id="f-2665">P1Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-419"
      decimals="2"
      id="f-2666"
      unitRef="usdPerShare">5.07</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-420"
      decimals="2"
      id="f-2667"
      unitRef="usdPerShare">4.14</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-421"
      decimals="2"
      id="f-2668"
      unitRef="usdPerShare">4.17</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1 contextRef="c-419" id="f-2669">P1Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1>
    <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized contextRef="c-406" decimals="-6" id="f-2670" unitRef="usd">1000000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward
      contextRef="c-420"
      decimals="-3"
      id="f-2671"
      unitRef="shares">195000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward
      contextRef="c-420"
      decimals="-3"
      id="f-2672"
      unitRef="shares">195000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward
      contextRef="c-420"
      decimals="-3"
      id="f-2673"
      unitRef="shares">195000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward
      contextRef="c-419"
      decimals="-3"
      id="f-2674"
      unitRef="shares">227000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward
      contextRef="c-421"
      decimals="0"
      id="f-2675"
      unitRef="shares">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward>
    <us-gaap:FairValueDisclosuresTextBlock contextRef="c-1" id="f-2677">Fair Value Measurements&lt;div style="margin-bottom: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;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="margin-bottom: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;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. 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; in this Form 10-K. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-bottom: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;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:95.972%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.884%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.280%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.004%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.280%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.004%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.472%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2023&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Trading investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;54,481&#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&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,930,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,933,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,411,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,411,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;&lt;span style="-sec-ix-hidden:f-2695"&gt;&lt;span style="-sec-ix-hidden:f-2696"&gt;Derivative instruments&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;1,930,537&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;55,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;1,986,488&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;2,411,622&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;2,466,103&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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:#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;&lt;span style="-sec-ix-hidden:f-2713"&gt;&lt;span style="-sec-ix-hidden:f-2714"&gt;Derivative instruments&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(40)&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(40)&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(370)&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(370)&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&gt;&lt;/tr&gt;&lt;/table&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 change in balance sheet carrying value associated with level 3 financial instruments carried at 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&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;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:97.777%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.246%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.417%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.422%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.417%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.368%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" 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:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" 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:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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:8.5pt;font-weight:700;line-height:100%"&gt;Investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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:8.5pt;font-weight:700;line-height:100%"&gt;Investments&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: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="padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;Available For Sale - &lt;br/&gt;Debt Securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;Trading - Residual Interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;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&gt;&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:8.5pt;font-weight:700;line-height:100%"&gt;Available For Sale -&lt;br/&gt;Debt Securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;Trading - Residual Interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;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:#ededed;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;Balance, beginning of period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;50,786&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;50,786&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 gains/(losses):&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededed;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:9pt;font-weight:400;line-height:100%"&gt;Included in earnings (or changes in net assets)&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:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;498&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;&lt;span style="-sec-ix-hidden:f-2744"&gt;Included in other comprehensive income&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededed;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;Settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,697)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;974&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;974&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Transfers into level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededed;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;Transfers out of level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Balance, end of period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;53,262&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;55,951&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;54,481&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&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;Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededed;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="-sec-ix-hidden:f-2781"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Change in unrealized gains (losses) for the period included in earnings (or changes in net assets) for assets held at the end of the reporting period&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;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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="padding-left:40.5pt;padding-right:22.5pt;text-indent:-13.5pt"&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;Included in earnings (or changes in net assets) is comprised of the amounts recorded in the specified line item in the consolidated statements of income:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:22.5pt;text-indent:-13.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:54.444%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:43.797%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.175%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.178%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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;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&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" 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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" 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;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededed;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:8pt;font-weight:400;line-height:100%"&gt;&lt;span style="-sec-ix-hidden:f-2788"&gt;Interest Income - Investments&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt 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:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:8pt;font-weight:400;line-height:100%"&gt;&lt;span style="-sec-ix-hidden:f-2791"&gt;&lt;span style="-sec-ix-hidden:f-2792"&gt;Gains (losses) on securities, net&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;2,721&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededed;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;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;498&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;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;2,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:22.5pt;text-indent:-13.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.75pt;padding-right:22.5pt;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)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;    Recorded in "gains (losses) on securities, net" in the consolidated statements of income.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:78.75pt;padding-right:63pt;text-indent:-15.75pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:126pt;padding-right:72pt;text-indent:-18pt"&gt;&lt;span&gt;&lt;br/&gt;&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 presents the significant unobservable inputs used in the recurring valuations of the level 3 financial instruments detailed above. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:36pt"&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:534.75pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:110.50pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:67.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:4.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:91.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:132.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:105.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&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: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;As of December 31, 2024&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&gt;&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:8.5pt;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&gt;&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:8.5pt;font-weight:700;line-height:100%"&gt;Valuation Technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;Unobservable Input&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;Range (Average)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&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;Debt Securities&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&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;2,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;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;Discounted cash flow&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;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;Constant Prepayment 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&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 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;6.9%-11.0% (8.3%) &lt;/span&gt;&lt;/div&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;Probability of default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;4.0%-17.0% (11.5%) &lt;/span&gt;&lt;/div&gt;&lt;/td&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;Residual Interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Discounted cash flow&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Constant Prepayment Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;6.9%-11.0% (8.3%) &lt;/span&gt;&lt;/div&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;Probability of default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;4.0%-17.0% (11.5%) &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&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;Total&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&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;55,951&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;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 significant inputs detailed in the above table would be expected to have the following impacts to the valuations: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:36pt;text-indent:-9pt"&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:5.5pt"&gt;A decrease in CPR would result in a longer weighted average life of the trust, resulting in a decrease to the valuation due to the delay in residual cash flows with the increased term. The opposite is true for an increase in the CPR.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:36pt;text-indent:-9pt"&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:5.5pt"&gt;A decrease in the probability of defaults means increased principal receipts, resulting in an increase to the valuation due to the increase in residual cash flow. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:36pt;text-indent:-9pt"&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:5.5pt"&gt;Conversely, an increase in the probability of defaults means decreased principal receipts, resulting in a decrease to the valuation due to the decrease in residual cash flow.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-indent:9pt"&gt;&lt;span&gt;&lt;br/&gt;&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 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:96.111%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.316%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.316%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.316%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.316%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.454%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2023&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;24,110,381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;20,902,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,208,223&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;22,229,045&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,772,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;2,456,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;542,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;534,064&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;8,711&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,700,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,700,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,149,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,149,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,933,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,933,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,411,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,411,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,663,474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,546,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;116,884&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,448,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,379,904&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;68,862&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Derivative instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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:#ffffff;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;32,460,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;29,135,602&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,325,107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;30,836,527&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;28,302,202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;2,534,325&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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;Interest-bearing liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Money-market and savings accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,503,731&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;10,526,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;11,134,883&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,203,292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;68,409&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Certificates of deposit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,593,666&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,540,428&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(53,238)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,380,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,448,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;67,681&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Long-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6,323,384&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6,440,345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;116,961&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4,873,690&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5,227,512&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;353,822&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;108,488&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;108,488&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;105,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;105,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;/tr&gt;&lt;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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;27,529,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;27,615,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;86,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;26,494,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;26,984,605&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;489,912&#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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,411,423&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,024,237&#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&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;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: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;Investments classified as trading are carried at fair value in the consolidated financial statements. Investments in residual class interests are valued using observable inputs in the cash flow modeling where available, but many significant inputs are unobservable. Residual interests are not exchange traded nor do they have quoted market prices, as they are unique and do not actively trade. 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. The fair value of most of our non-residual vertical risk retention investments is estimated using pricing indications obtained from the investment bankers who participate in the asset-backed securities market. As such, these &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-weight:400;line-height:120%"&gt;are level 2 valuations. Where we are unable to obtain pricing indications for our non-residual vertical risk retention investments, we classify them as level 3 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&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;During the third quarter of 2024, we transferred our FFELP Loan portfolio to loans held for sale as we planned to sell our FFELP Loan portfolio. At that time, we wrote down this loan portfolio to its estimated fair value through an adjustment to the allowance for credit losses of $8&#160;million. We subsequently sold the FFELP Loan portfolio to a third party during the fourth quarter of 2024. &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, 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;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 secured borrowings is estimated using pricing indications obtained from the investment bankers who participate in the asset-backed securities market. The fair value of our long-term unsecured borrowings is sourced from a third-party pricing service.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;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 SOFR 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 (SOFR). 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="c-1" id="f-2678">&lt;div style="margin-bottom: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;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:95.972%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:19.884%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.280%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.004%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.280%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.464%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.004%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.523%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.472%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2023&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Trading investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;54,481&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;54,481&#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&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,930,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,933,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,411,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,411,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;&lt;span style="-sec-ix-hidden:f-2695"&gt;&lt;span style="-sec-ix-hidden:f-2696"&gt;Derivative instruments&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,930,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;55,951&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,986,488&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,411,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;54,481&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2,466,103&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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:#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;&lt;span style="-sec-ix-hidden:f-2713"&gt;&lt;span style="-sec-ix-hidden:f-2714"&gt;Derivative instruments&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;&#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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(40)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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&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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(370)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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&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&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;(370)&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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock>
    <us-gaap:TradingSecuritiesDebt contextRef="c-422" decimals="-3" id="f-2679" unitRef="usd">0</us-gaap:TradingSecuritiesDebt>
    <us-gaap:TradingSecuritiesDebt contextRef="c-423" decimals="-3" id="f-2680" unitRef="usd">0</us-gaap:TradingSecuritiesDebt>
    <us-gaap:TradingSecuritiesDebt contextRef="c-424" decimals="-3" id="f-2681" unitRef="usd">53262000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:TradingSecuritiesDebt contextRef="c-425" decimals="-3" id="f-2682" unitRef="usd">53262000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:TradingSecuritiesDebt contextRef="c-426" decimals="-3" id="f-2683" unitRef="usd">0</us-gaap:TradingSecuritiesDebt>
    <us-gaap:TradingSecuritiesDebt contextRef="c-427" decimals="-3" id="f-2684" unitRef="usd">0</us-gaap:TradingSecuritiesDebt>
    <us-gaap:TradingSecuritiesDebt contextRef="c-428" decimals="-3" id="f-2685" unitRef="usd">54481000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:TradingSecuritiesDebt contextRef="c-429" decimals="-3" id="f-2686" unitRef="usd">54481000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-422" decimals="-3" id="f-2687" unitRef="usd">0</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-423" decimals="-3" id="f-2688" unitRef="usd">1930537000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-424" decimals="-3" id="f-2689" unitRef="usd">2689000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-425" decimals="-3" id="f-2690" unitRef="usd">1933226000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-426" decimals="-3" id="f-2691" unitRef="usd">0</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-427" decimals="-3" id="f-2692" unitRef="usd">2411622000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-428" decimals="-3" id="f-2693" unitRef="usd">0</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-429" decimals="-3" id="f-2694" unitRef="usd">2411622000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:DerivativeAssets contextRef="c-422" decimals="-3" id="f-2697" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-423" decimals="-3" id="f-2698" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-424" decimals="-3" id="f-2699" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-425" decimals="-3" id="f-2700" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-426" decimals="-3" id="f-2701" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-427" decimals="-3" id="f-2702" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-428" decimals="-3" id="f-2703" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-429" decimals="-3" id="f-2704" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-422" decimals="-3" id="f-2705" unitRef="usd">0</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-423" decimals="-3" id="f-2706" unitRef="usd">1930537000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-424" decimals="-3" id="f-2707" unitRef="usd">55951000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-425" decimals="-3" id="f-2708" unitRef="usd">1986488000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-426" decimals="-3" id="f-2709" unitRef="usd">0</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-427" decimals="-3" id="f-2710" unitRef="usd">2411622000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-428" decimals="-3" id="f-2711" unitRef="usd">54481000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-429" decimals="-3" id="f-2712" unitRef="usd">2466103000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:DerivativeLiabilities contextRef="c-422" decimals="-3" id="f-2715" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-423" decimals="-3" id="f-2716" unitRef="usd">40000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-424" decimals="-3" id="f-2717" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-425" decimals="-3" id="f-2718" unitRef="usd">40000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-426" decimals="-3" id="f-2719" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-427" decimals="-3" id="f-2720" unitRef="usd">370000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-428" decimals="-3" id="f-2721" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-429" decimals="-3" id="f-2722" unitRef="usd">370000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-422" decimals="-3" id="f-2723" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-423" decimals="-3" id="f-2724" unitRef="usd">40000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-424" decimals="-3" id="f-2725" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-425" decimals="-3" id="f-2726" unitRef="usd">40000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-426" decimals="-3" id="f-2727" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-427" decimals="-3" id="f-2728" unitRef="usd">370000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-428" decimals="-3" id="f-2729" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-429" decimals="-3" id="f-2730" unitRef="usd">370000</us-gaap:DerivativeLiabilities>
    <us-gaap:FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock contextRef="c-1" id="f-2731">&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 change in balance sheet carrying value associated with level 3 financial instruments carried at 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&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;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:97.777%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.246%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.417%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.422%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.127%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.510%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.417%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.368%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" 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:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" 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:#144f82;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:700;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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:8.5pt;font-weight:700;line-height:100%"&gt;Investments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&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:8.5pt;font-weight:700;line-height:100%"&gt;Investments&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: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="padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;Available For Sale - &lt;br/&gt;Debt Securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;Trading - Residual Interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;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&gt;&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:8.5pt;font-weight:700;line-height:100%"&gt;Available For Sale -&lt;br/&gt;Debt Securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;Trading - Residual Interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;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:#ededed;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;Balance, beginning of period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;50,786&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;50,786&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 gains/(losses):&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededed;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:9pt;font-weight:400;line-height:100%"&gt;Included in earnings (or changes in net assets)&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:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;498&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;&lt;span style="-sec-ix-hidden:f-2744"&gt;Included in other comprehensive income&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededed;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;Settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,697)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;892&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;974&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;974&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Transfers into level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededed;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;Transfers out of level 3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Balance, end of period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,689&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;55,951&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;54,481&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;54,481&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr style="height:9pt"&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:3pt double #000;padding:0 1pt"&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;Change in unrealized gains (losses) for the period included in other comprehensive income for assets held at the end of the reporting period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededed;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="-sec-ix-hidden:f-2781"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Change in unrealized gains (losses) for the period included in earnings (or changes in net assets) for assets held at the end of the reporting period&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:5.85pt;font-weight:400;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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="padding-left:40.5pt;padding-right:22.5pt;text-indent:-13.5pt"&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;Included in earnings (or changes in net assets) is comprised of the amounts recorded in the specified line item in the consolidated statements of income:&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:22.5pt;text-indent:-13.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;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:54.444%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:43.797%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.175%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.075%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.178%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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;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&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" 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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" 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;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededed;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:8pt;font-weight:400;line-height:100%"&gt;&lt;span style="-sec-ix-hidden:f-2788"&gt;Interest Income - Investments&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;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:#ededed;border-top:1pt 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;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-top:1pt solid #000;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:#ededed;border-top:1pt 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:#ededed;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:8pt;font-weight:400;line-height:100%"&gt;&lt;span style="-sec-ix-hidden:f-2791"&gt;&lt;span style="-sec-ix-hidden:f-2792"&gt;Gains (losses) on securities, net&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;478&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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:8pt;font-weight:400;line-height:100%"&gt;2,721&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededed;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;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;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:#ededed;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;498&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;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:#ededed;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;2,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededed;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:40.5pt;padding-right:22.5pt;text-indent:-13.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.75pt;padding-right:22.5pt;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)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;    Recorded in "gains (losses) on securities, net" in the consolidated statements of income.&lt;/span&gt;&lt;/div&gt;</us-gaap:FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-430" decimals="-3" id="f-2732" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-431" decimals="-3" id="f-2733" unitRef="usd">54481000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-8" decimals="-3" id="f-2734" unitRef="usd">54481000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-432" decimals="-3" id="f-2735" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-433" decimals="-3" id="f-2736" unitRef="usd">50786000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-31" decimals="-3" id="f-2737" unitRef="usd">50786000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-434" decimals="-3" id="f-2738" unitRef="usd">20000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-435" decimals="-3" id="f-2739" unitRef="usd">478000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-1" decimals="-3" id="f-2740" unitRef="usd">498000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-436" decimals="-3" id="f-2741" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-437" decimals="-3" id="f-2742" unitRef="usd">2721000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-9" decimals="-3" id="f-2743" unitRef="usd">2721000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss contextRef="c-434" decimals="-3" id="f-2745" unitRef="usd">80000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss contextRef="c-435" decimals="-3" id="f-2746" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss contextRef="c-1" decimals="-3" id="f-2747" unitRef="usd">80000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss contextRef="c-436" decimals="-3" id="f-2748" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss contextRef="c-437" decimals="-3" id="f-2749" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss contextRef="c-9" decimals="-3" id="f-2750" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements contextRef="c-434" decimals="-3" id="f-2751" unitRef="usd">2589000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements contextRef="c-435" decimals="-3" id="f-2752" unitRef="usd">-1697000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements contextRef="c-1" decimals="-3" id="f-2753" unitRef="usd">892000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements contextRef="c-436" decimals="-3" id="f-2754" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements contextRef="c-437" decimals="-3" id="f-2755" unitRef="usd">974000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements contextRef="c-9" decimals="-3" id="f-2756" unitRef="usd">974000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3 contextRef="c-434" decimals="-3" id="f-2757" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3 contextRef="c-435" decimals="-3" id="f-2758" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3 contextRef="c-1" decimals="-3" id="f-2759" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3 contextRef="c-436" decimals="-3" id="f-2760" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3 contextRef="c-437" decimals="-3" id="f-2761" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3 contextRef="c-9" decimals="-3" id="f-2762" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3 contextRef="c-434" decimals="-3" id="f-2763" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3 contextRef="c-435" decimals="-3" id="f-2764" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3 contextRef="c-1" decimals="-3" id="f-2765" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3 contextRef="c-436" decimals="-3" id="f-2766" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3 contextRef="c-437" decimals="-3" id="f-2767" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3 contextRef="c-9" decimals="-3" id="f-2768" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-438" decimals="-3" id="f-2769" unitRef="usd">2689000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-439" decimals="-3" id="f-2770" unitRef="usd">53262000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-7" decimals="-3" id="f-2771" unitRef="usd">55951000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-430" decimals="-3" id="f-2772" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-431" decimals="-3" id="f-2773" unitRef="usd">54481000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-8" decimals="-3" id="f-2774" unitRef="usd">54481000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci contextRef="c-434" decimals="-3" id="f-2775" unitRef="usd">80000</us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci>
    <us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci contextRef="c-435" decimals="-3" id="f-2776" unitRef="usd">0</us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci>
    <us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci contextRef="c-1" decimals="-3" id="f-2777" unitRef="usd">80000</us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci>
    <us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci contextRef="c-436" decimals="-3" id="f-2778" unitRef="usd">0</us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci>
    <us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci contextRef="c-437" decimals="-3" id="f-2779" unitRef="usd">0</us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci>
    <us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci contextRef="c-9" decimals="-3" id="f-2780" unitRef="usd">0</us-gaap:FairValueAssetRecurringBasisStillHeldUnrealizedGainLossOci>
    <us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss contextRef="c-434" decimals="-3" id="f-2782" unitRef="usd">0</us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss>
    <us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss contextRef="c-435" decimals="-3" id="f-2783" unitRef="usd">478000</us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss>
    <us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss contextRef="c-1" decimals="-3" id="f-2784" unitRef="usd">478000</us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss>
    <us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss contextRef="c-436" decimals="-3" id="f-2785" unitRef="usd">0</us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss>
    <us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss contextRef="c-437" decimals="-3" id="f-2786" unitRef="usd">2721000</us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss>
    <us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss contextRef="c-9" decimals="-3" id="f-2787" unitRef="usd">2721000</us-gaap:FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-440" decimals="-3" id="f-2789" unitRef="usd">20000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-441" decimals="-3" id="f-2790" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-443" decimals="-3" id="f-2793" unitRef="usd">478000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-442" decimals="-3" id="f-2794" unitRef="usd">2721000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-1" decimals="-3" id="f-2795" unitRef="usd">498000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-9" decimals="-3" id="f-2796" unitRef="usd">2721000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock contextRef="c-1" id="f-2797">&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 presents the significant unobservable inputs used in the recurring valuations of the level 3 financial instruments detailed above. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:36pt"&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:534.75pt"&gt;&lt;tr&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:110.50pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:67.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:4.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:91.00pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:132.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.75pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&gt;&lt;/td&gt;&lt;td style="width:105.25pt"&gt;&lt;/td&gt;&lt;td style="width:1.0pt"&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: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;As of December 31, 2024&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&gt;&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:8.5pt;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&gt;&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:8.5pt;font-weight:700;line-height:100%"&gt;Valuation Technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;Unobservable Input&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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:8.5pt;font-weight:700;line-height:100%"&gt;Range (Average)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&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;Debt Securities&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&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;2,689&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;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;Discounted cash flow&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;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;Constant Prepayment 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&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 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;6.9%-11.0% (8.3%) &lt;/span&gt;&lt;/div&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;Probability of default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;4.0%-17.0% (11.5%) &lt;/span&gt;&lt;/div&gt;&lt;/td&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;Residual Interests&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Discounted cash flow&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;Constant Prepayment Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;6.9%-11.0% (8.3%) &lt;/span&gt;&lt;/div&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;Probability of default&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;4.0%-17.0% (11.5%) &lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&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;Total&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&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;55,951&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock>
    <us-gaap:AvailableForSaleSecuritiesDebtSecurities contextRef="c-444" decimals="-3" id="f-2798" unitRef="usd">2689000</us-gaap:AvailableForSaleSecuritiesDebtSecurities>
    <us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput
      contextRef="c-445"
      decimals="3"
      id="f-2799"
      unitRef="number">0.069</us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput>
    <us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput
      contextRef="c-446"
      decimals="3"
      id="f-2800"
      unitRef="number">0.110</us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput>
    <us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput
      contextRef="c-447"
      decimals="4"
      id="f-2801"
      unitRef="number">0.083</us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput>
    <us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput
      contextRef="c-448"
      decimals="3"
      id="f-2802"
      unitRef="number">0.040</us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput>
    <us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput
      contextRef="c-449"
      decimals="3"
      id="f-2803"
      unitRef="number">0.170</us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput>
    <us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput
      contextRef="c-450"
      decimals="4"
      id="f-2804"
      unitRef="number">0.115</us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput>
    <us-gaap:TradingSecuritiesDebt contextRef="c-444" decimals="-3" id="f-2805" unitRef="usd">53262000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:DebtSecuritiesTradingMeasurementInput
      contextRef="c-445"
      decimals="3"
      id="f-2806"
      unitRef="number">0.069</us-gaap:DebtSecuritiesTradingMeasurementInput>
    <us-gaap:DebtSecuritiesTradingMeasurementInput
      contextRef="c-446"
      decimals="3"
      id="f-2807"
      unitRef="number">0.110</us-gaap:DebtSecuritiesTradingMeasurementInput>
    <us-gaap:DebtSecuritiesTradingMeasurementInput
      contextRef="c-447"
      decimals="4"
      id="f-2808"
      unitRef="number">0.083</us-gaap:DebtSecuritiesTradingMeasurementInput>
    <us-gaap:DebtSecuritiesTradingMeasurementInput
      contextRef="c-448"
      decimals="3"
      id="f-2809"
      unitRef="number">0.040</us-gaap:DebtSecuritiesTradingMeasurementInput>
    <us-gaap:DebtSecuritiesTradingMeasurementInput
      contextRef="c-449"
      decimals="3"
      id="f-2810"
      unitRef="number">0.170</us-gaap:DebtSecuritiesTradingMeasurementInput>
    <us-gaap:DebtSecuritiesTradingMeasurementInput
      contextRef="c-450"
      decimals="4"
      id="f-2811"
      unitRef="number">0.115</us-gaap:DebtSecuritiesTradingMeasurementInput>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-444" decimals="-3" id="f-2812" unitRef="usd">55951000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:FairValueByBalanceSheetGroupingTextBlock contextRef="c-1" id="f-2813">&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 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:96.111%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:27.801%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.316%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.316%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.316%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.316%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.522%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.454%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&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&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2023&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;24,110,381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,902,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,208,223&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,229,045&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;19,772,293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,456,752&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;542,775&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;534,064&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;8,711&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,700,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,700,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,149,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,149,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;53,262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;54,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,933,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,933,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,411,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,411,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,663,474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,546,590&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;116,884&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,448,766&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,379,904&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;68,862&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Derivative instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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:#ffffff;padding:0 1pt"&gt;&lt;/td&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;32,460,709&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;29,135,602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,325,107&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;30,836,527&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;28,302,202&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2,534,325&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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;Interest-bearing liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Money-market and savings accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;10,503,731&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10,526,324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;22,593&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;11,134,883&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;11,203,292&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;68,409&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Certificates of deposit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,593,666&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,540,428&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(53,238)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,380,684&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,448,365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;67,681&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Long-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6,323,384&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6,440,345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;116,961&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4,873,690&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5,227,512&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;353,822&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;108,488&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;108,488&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;105,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;105,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;370&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;/tr&gt;&lt;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&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;27,529,309&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;27,615,625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;86,316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;26,494,693&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;26,984,605&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;489,912&#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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;3,411,423&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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;3,024,237&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FairValueByBalanceSheetGroupingTextBlock>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-451" decimals="-3" id="f-2814" unitRef="usd">24110381000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-452" decimals="-3" id="f-2815" unitRef="usd">20902158000</us-gaap:LoansReceivableFairValueDisclosure>
    <slm:LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue contextRef="c-453" decimals="-3" id="f-2816" unitRef="usd">3208223000</slm:LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-454" decimals="-3" id="f-2817" unitRef="usd">22229045000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-455" decimals="-3" id="f-2818" unitRef="usd">19772293000</us-gaap:LoansReceivableFairValueDisclosure>
    <slm:LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue contextRef="c-456" decimals="-3" id="f-2819" unitRef="usd">2456752000</slm:LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-457" decimals="-3" id="f-2820" unitRef="usd">0</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-458" decimals="-3" id="f-2821" unitRef="usd">0</us-gaap:LoansReceivableFairValueDisclosure>
    <slm:LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue contextRef="c-459" decimals="-3" id="f-2822" unitRef="usd">0</slm:LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-460" decimals="-3" id="f-2823" unitRef="usd">542775000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-461" decimals="-3" id="f-2824" unitRef="usd">534064000</us-gaap:LoansReceivableFairValueDisclosure>
    <slm:LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue contextRef="c-462" decimals="-3" id="f-2825" unitRef="usd">8711000</slm:LoansReceivableFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-463" decimals="-3" id="f-2826" unitRef="usd">4700366000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-464" decimals="-3" id="f-2827" unitRef="usd">4700366000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-465" decimals="-3" id="f-2828" unitRef="usd">4149838000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-466" decimals="-3" id="f-2829" unitRef="usd">4149838000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <us-gaap:TradingSecuritiesDebt contextRef="c-463" decimals="-3" id="f-2830" unitRef="usd">53262000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:TradingSecuritiesDebt contextRef="c-464" decimals="-3" id="f-2831" unitRef="usd">53262000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:TradingSecuritiesDebt contextRef="c-465" decimals="-3" id="f-2832" unitRef="usd">54481000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:TradingSecuritiesDebt contextRef="c-466" decimals="-3" id="f-2833" unitRef="usd">54481000</us-gaap:TradingSecuritiesDebt>
    <us-gaap:InvestmentsFairValueDisclosure contextRef="c-463" decimals="-3" id="f-2834" unitRef="usd">1933226000</us-gaap:InvestmentsFairValueDisclosure>
    <us-gaap:InvestmentsFairValueDisclosure contextRef="c-464" decimals="-3" id="f-2835" unitRef="usd">1933226000</us-gaap:InvestmentsFairValueDisclosure>
    <us-gaap:InvestmentsFairValueDisclosure contextRef="c-465" decimals="-3" id="f-2836" unitRef="usd">2411622000</us-gaap:InvestmentsFairValueDisclosure>
    <us-gaap:InvestmentsFairValueDisclosure contextRef="c-466" decimals="-3" id="f-2837" unitRef="usd">2411622000</us-gaap:InvestmentsFairValueDisclosure>
    <slm:AccruedInterestReceivableFairValueDisclosure contextRef="c-463" decimals="-3" id="f-2838" unitRef="usd">1663474000</slm:AccruedInterestReceivableFairValueDisclosure>
    <slm:AccruedInterestReceivableFairValueDisclosure contextRef="c-464" decimals="-3" id="f-2839" unitRef="usd">1546590000</slm:AccruedInterestReceivableFairValueDisclosure>
    <slm:AccruedInterestReceivableFairValueDisclosureDifference contextRef="c-7" decimals="-3" id="f-2840" unitRef="usd">116884000</slm:AccruedInterestReceivableFairValueDisclosureDifference>
    <slm:AccruedInterestReceivableFairValueDisclosure contextRef="c-465" decimals="-3" id="f-2841" unitRef="usd">1448766000</slm:AccruedInterestReceivableFairValueDisclosure>
    <slm:AccruedInterestReceivableFairValueDisclosure contextRef="c-466" decimals="-3" id="f-2842" unitRef="usd">1379904000</slm:AccruedInterestReceivableFairValueDisclosure>
    <slm:AccruedInterestReceivableFairValueDisclosureDifference contextRef="c-8" decimals="-3" id="f-2843" unitRef="usd">68862000</slm:AccruedInterestReceivableFairValueDisclosureDifference>
    <us-gaap:DerivativeAssets contextRef="c-463" decimals="-3" id="f-2844" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-464" decimals="-3" id="f-2845" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-465" decimals="-3" id="f-2846" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-466" decimals="-3" id="f-2847" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-463" decimals="-3" id="f-2848" unitRef="usd">32460709000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-464" decimals="-3" id="f-2849" unitRef="usd">29135602000</us-gaap:AssetsFairValueDisclosure>
    <slm:AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue contextRef="c-7" decimals="-3" id="f-2850" unitRef="usd">3325107000</slm:AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-465" decimals="-3" id="f-2851" unitRef="usd">30836527000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-466" decimals="-3" id="f-2852" unitRef="usd">28302202000</us-gaap:AssetsFairValueDisclosure>
    <slm:AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue contextRef="c-8" decimals="-3" id="f-2853" unitRef="usd">2534325000</slm:AssetsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-467" decimals="-3" id="f-2854" unitRef="usd">10503731000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-468" decimals="-3" id="f-2855" unitRef="usd">10526324000</us-gaap:DepositsFairValueDisclosure>
    <slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue contextRef="c-469" decimals="-3" id="f-2856" unitRef="usd">22593000</slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-470" decimals="-3" id="f-2857" unitRef="usd">11134883000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-471" decimals="-3" id="f-2858" unitRef="usd">11203292000</us-gaap:DepositsFairValueDisclosure>
    <slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue contextRef="c-472" decimals="-3" id="f-2859" unitRef="usd">68409000</slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-473" decimals="-3" id="f-2860" unitRef="usd">10593666000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-474" decimals="-3" id="f-2861" unitRef="usd">10540428000</us-gaap:DepositsFairValueDisclosure>
    <slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue contextRef="c-475" decimals="-3" id="f-2862" unitRef="usd">-53238000</slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-476" decimals="-3" id="f-2863" unitRef="usd">10380684000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-477" decimals="-3" id="f-2864" unitRef="usd">10448365000</us-gaap:DepositsFairValueDisclosure>
    <slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue contextRef="c-478" decimals="-3" id="f-2865" unitRef="usd">67681000</slm:DepositsFairValueDisclosureDifferenceBetweenCarryingValueAndFairValue>
    <us-gaap:LongTermDebtFairValue contextRef="c-463" decimals="-3" id="f-2866" unitRef="usd">6323384000</us-gaap:LongTermDebtFairValue>
    <us-gaap:LongTermDebtFairValue contextRef="c-464" decimals="-3" id="f-2867" unitRef="usd">6440345000</us-gaap:LongTermDebtFairValue>
    <slm:LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue contextRef="c-7" decimals="-3" id="f-2868" unitRef="usd">116961000</slm:LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue>
    <us-gaap:LongTermDebtFairValue contextRef="c-465" decimals="-3" id="f-2869" unitRef="usd">4873690000</us-gaap:LongTermDebtFairValue>
    <us-gaap:LongTermDebtFairValue contextRef="c-466" decimals="-3" id="f-2870" unitRef="usd">5227512000</us-gaap:LongTermDebtFairValue>
    <slm:LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue contextRef="c-8" decimals="-3" id="f-2871" unitRef="usd">353822000</slm:LongTermDebtFairValueDifferenceBetweenCarryingValueAndFairValue>
    <us-gaap:AccruedLiabilitiesFairValueDisclosure contextRef="c-463" decimals="-3" id="f-2872" unitRef="usd">108488000</us-gaap:AccruedLiabilitiesFairValueDisclosure>
    <us-gaap:AccruedLiabilitiesFairValueDisclosure contextRef="c-464" decimals="-3" id="f-2873" unitRef="usd">108488000</us-gaap:AccruedLiabilitiesFairValueDisclosure>
    <us-gaap:AccruedLiabilitiesFairValueDisclosure contextRef="c-465" decimals="-3" id="f-2874" unitRef="usd">105066000</us-gaap:AccruedLiabilitiesFairValueDisclosure>
    <us-gaap:AccruedLiabilitiesFairValueDisclosure contextRef="c-466" decimals="-3" id="f-2875" unitRef="usd">105066000</us-gaap:AccruedLiabilitiesFairValueDisclosure>
    <us-gaap:DerivativeLiabilities contextRef="c-463" decimals="-3" id="f-2876" unitRef="usd">40000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-464" decimals="-3" id="f-2877" unitRef="usd">40000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-465" decimals="-3" id="f-2878" unitRef="usd">370000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-466" decimals="-3" id="f-2879" unitRef="usd">370000</us-gaap:DerivativeLiabilities>
    <us-gaap:FinancialLiabilitiesFairValueDisclosure contextRef="c-463" decimals="-3" id="f-2880" unitRef="usd">27529309000</us-gaap:FinancialLiabilitiesFairValueDisclosure>
    <us-gaap:FinancialLiabilitiesFairValueDisclosure contextRef="c-464" decimals="-3" id="f-2881" unitRef="usd">27615625000</us-gaap:FinancialLiabilitiesFairValueDisclosure>
    <slm:FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue contextRef="c-7" decimals="-3" id="f-2882" unitRef="usd">86316000</slm:FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue>
    <us-gaap:FinancialLiabilitiesFairValueDisclosure contextRef="c-465" decimals="-3" id="f-2883" unitRef="usd">26494693000</us-gaap:FinancialLiabilitiesFairValueDisclosure>
    <us-gaap:FinancialLiabilitiesFairValueDisclosure contextRef="c-466" decimals="-3" id="f-2884" unitRef="usd">26984605000</us-gaap:FinancialLiabilitiesFairValueDisclosure>
    <slm:FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue contextRef="c-8" decimals="-3" id="f-2885" unitRef="usd">489912000</slm:FinancialLiabilitiesFairValueDisclosureDifferenceBetweenCarryingValueandFairValue>
    <slm:ExcessOfNetAssetFairValueOverCarryingValue contextRef="c-7" decimals="-3" id="f-2886" unitRef="usd">3411423000</slm:ExcessOfNetAssetFairValueOverCarryingValue>
    <slm:ExcessOfNetAssetFairValueOverCarryingValue contextRef="c-8" decimals="-3" id="f-2887" unitRef="usd">3024237000</slm:ExcessOfNetAssetFairValueOverCarryingValue>
    <us-gaap:GainLossOnSaleOfNotesReceivable contextRef="c-65" decimals="-6" id="f-2888" unitRef="usd">-8000000</us-gaap:GainLossOnSaleOfNotesReceivable>
    <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="c-1" id="f-2891">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="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;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="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;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="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;In July 2023, the federal banking agencies proposed a rule to implement significant changes to the U.S. Basel III regulatory capital requirements. The proposed changes to the regulatory capital requirements generally would amend or introduce approaches and methodologies that would apply to banking organizations with total consolidated assets of $100&#160;billion or more or to banking organizations with significant trading activity. The proposed rule therefore would not affect the Bank&#x2019;s capital requirements or the calculation of its capital ratios. &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;Under regulations issued by the FDIC and other federal banking agencies, banking organizations that adopted&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, could 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 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. On each of January 1 of 2022, 2023 and 2024, 25 percent of the adjusted transition amounts was phased in for regulatory capital purposes. On January 1, 2025, the remaining 25 percent of the adjusted transition amounts was phased in for regulatory capital purposes, with the phased-in amounts included in regulatory capital at the beginning of the 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="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:115%"&gt;At December 31, 2024, the adjusted transition amounts that were deferred and are being phased in for regulatory capital purposes are as follows: &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:97.916%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.332%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.792%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.509%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.509%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.509%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.509%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.509%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.799%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Adjusted Transition Amounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Phase-In &lt;br/&gt;Amounts for the Year Ended&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Phase-In &lt;br/&gt;Amounts for the Year Ended&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Phase-In &lt;br/&gt;Amounts for the Year Ended&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Remaining Adjusted Transition Amounts to be Phased-In&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&gt;&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;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&gt;&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;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Retained earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;836,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(209,088)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(209,088)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(209,088)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;209,087&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Allowance for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,038,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(259,536)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(259,536)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(259,536)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;259,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Liability for unfunded commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;104,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(26,094)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(26,094)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(26,095)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;26,094&#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&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;Deferred tax asset&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;306,171&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(76,542)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(76,542)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(76,543)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;76,544&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&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 Bank&#x2019;s required and actual regulatory capital amounts and ratios, including applicable capital conservation buffers, under U.S. Basel III are shown in the following table. The following capital amounts and ratios are based upon the Bank&#x2019;s average assets and risk-weighted assets, as indicated. The Bank has elected to exclude accumulated other comprehensive income related to both available-for-sale investments and swap valuations from Common Equity Tier 1 Capital. At December 31, 2024 and December 31, 2023, the unrealized loss on available-for-sale investments included in other comprehensive income totaled $83&#160;million and $115&#160;million, net of tax of $27&#160;million and $37&#160;million, respectively. The capital ratios would remain above the well capitalized thresholds, including applicable capital conservation buffers, if the unrealized loss became fully recognized into capital.&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;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&gt;&lt;td style="width:46.849%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.588%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.149%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.101%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:2.843%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.991%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:2.054%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&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&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&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&gt;&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;div&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, 2024&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;(3)&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;2,957,067&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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:#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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,827,318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;2,957,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,218,886&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,294,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;12.6&#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;span style="color:#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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,740,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Average Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;2,957,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;9.7&#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: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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;1,213,505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;div&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, 2023&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;(3)&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;3,019,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;12.3&#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;span style="color:#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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,719,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,019,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;12.3&#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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,088,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,334,140&#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;/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;13.6&#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;span style="color:#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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,579,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Average Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,019,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;10.2&#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;span style="color:#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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;1,184,213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-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="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"&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;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;        &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:63pt;padding-right:54pt;text-indent:-13.5pt"&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:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline"&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:63pt;padding-right:54pt;text-indent:-13.5pt"&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;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline"&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 style="padding-left:63pt;padding-right:54pt;text-indent:-13.5pt"&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;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline"&gt;For both December 31, 2024 and 2023, the actual amounts and the actual ratios include the respective adjusted transition amounts discussed above that were phased in at the beginning of 2024 and 2023. &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;Bank Dividends&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt"&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 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 Company &lt;/span&gt;&lt;/div&gt;relies on dividends from the Bank, as necessary, to enable the Company to pay any declared dividends and other payments and consummate share repurchases, as described herein. The Bank declared $570&#160;million, $550 million, and $700&#160;million in dividends to the Company for the years ended December 31, 2024, 2023, and 2022, respectively, with the proceeds primarily used to fund 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>
    <slm:PeriodOfDefermentForAdoptionOfNewAccountingPronouncements contextRef="c-479" id="f-2892">P2Y</slm:PeriodOfDefermentForAdoptionOfNewAccountingPronouncements>
    <slm:AdoptionOfNewAccountingPronouncementsPercentDeferred
      contextRef="c-480"
      decimals="INF"
      id="f-2893"
      unitRef="number">0.25</slm:AdoptionOfNewAccountingPronouncementsPercentDeferred>
    <slm:PeriodOfDefermentForAdoptionOfNewAccountingPronouncements contextRef="c-479" id="f-2894">P2Y</slm:PeriodOfDefermentForAdoptionOfNewAccountingPronouncements>
    <slm:AdoptionOfNewAccountingPronouncementsPercentDeferred
      contextRef="c-480"
      decimals="INF"
      id="f-2895"
      unitRef="number">0.25</slm:AdoptionOfNewAccountingPronouncementsPercentDeferred>
    <slm:AdoptionOfNewAccountingPronouncementsPercentDeferred
      contextRef="c-480"
      decimals="INF"
      id="f-2896"
      unitRef="number">0.25</slm:AdoptionOfNewAccountingPronouncementsPercentDeferred>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-480" decimals="-8" id="f-2897" unitRef="usd">1100000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-480" decimals="-6" id="f-2898" unitRef="usd">116000000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="c-480" decimals="-6" id="f-2899" unitRef="usd">306000000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
    <us-gaap:FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod contextRef="c-479" decimals="-6" id="f-2900" unitRef="usd">953000000</us-gaap:FinancingReceivableAllowanceForCreditLossesEffectOfChangeInMethod>
    <us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="c-1" id="f-2901">&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:115%"&gt;At December 31, 2024, the adjusted transition amounts that were deferred and are being phased in for regulatory capital purposes are as follows: &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:97.916%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.332%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.792%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.509%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.509%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.509%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.509%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.644%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.509%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.799%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Adjusted Transition Amounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Phase-In &lt;br/&gt;Amounts for the Year Ended&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Phase-In &lt;br/&gt;Amounts for the Year Ended&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Phase-In &lt;br/&gt;Amounts for the Year Ended&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Remaining Adjusted Transition Amounts to be Phased-In&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&gt;&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;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&gt;&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;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;December 31, 2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:14pt"&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;Retained earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;836,351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(209,088)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;(209,088)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(209,088)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;209,087&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Allowance for credit losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,038,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(259,536)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(259,536)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(259,536)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;259,537&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Liability for unfunded commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;104,377&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(26,094)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(26,094)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(26,095)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;26,094&#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&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;Deferred tax asset&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;306,171&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(76,542)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(76,542)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(76,543)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;76,544&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;The following capital amounts and ratios are based upon the Bank&#x2019;s average assets and risk-weighted assets, as indicated. The Bank has elected to exclude accumulated other comprehensive income related to both available-for-sale investments and swap valuations from Common Equity Tier 1 Capital. At December 31, 2024 and December 31, 2023, the unrealized loss on available-for-sale investments included in other comprehensive income totaled $83&#160;million and $115&#160;million, net of tax of $27&#160;million and $37&#160;million, respectively. The capital ratios would remain above the well capitalized thresholds, including applicable capital conservation buffers, if the unrealized loss became fully recognized into capital.&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&gt;&lt;td style="width:46.849%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.588%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.149%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.101%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:2.843%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.991%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:2.054%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&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&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&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&gt;&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;div&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, 2024&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;(3)&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;2,957,067&#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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;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:#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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,827,318&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;2,957,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,218,886&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,294,663&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;12.6&#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;span style="color:#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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,740,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Average Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;2,957,067&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;9.7&#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: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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;1,213,505&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;div&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, 2023&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;(3)&lt;/span&gt;&lt;span style="color:#144f82;font-family:'Arial',sans-serif;font-size:9pt;font-weight:700;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;3,019,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;12.3&#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;span style="color:#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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,719,621&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,019,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;12.3&#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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,088,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;8.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Total Capital (to Risk-Weighted Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,334,140&#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;/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;13.6&#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;span style="color:#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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,579,432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;&amp;gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;10.5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ededee;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;Tier 1 Capital (to Average Assets)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;3,019,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;10.2&#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;span style="color:#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&gt;&lt;td style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;1,184,213&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-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="padding-left:49.5pt;padding-right:54pt;text-indent:-9pt"&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;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;        &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:63pt;padding-right:54pt;text-indent:-13.5pt"&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:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline"&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:63pt;padding-right:54pt;text-indent:-13.5pt"&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;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;padding-left:5.57pt;position:relative;top:-3.5pt;vertical-align:baseline"&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;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;(3)&lt;/span&gt;For both December 31, 2024 and 2023, the actual amounts and the actual ratios include the respective adjusted transition amounts discussed above that were phased in at the beginning of 2024 and 2023.</us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
    <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c-481" decimals="-3" id="f-2902" unitRef="usd">836351000</us-gaap:RetainedEarningsAccumulatedDeficit>
    <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c-482" decimals="-3" id="f-2903" unitRef="usd">-209088000</us-gaap:RetainedEarningsAccumulatedDeficit>
    <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c-483" decimals="-3" id="f-2904" unitRef="usd">-209088000</us-gaap:RetainedEarningsAccumulatedDeficit>
    <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c-484" decimals="-3" id="f-2905" unitRef="usd">-209088000</us-gaap:RetainedEarningsAccumulatedDeficit>
    <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c-485" decimals="-3" id="f-2906" unitRef="usd">209087000</us-gaap:RetainedEarningsAccumulatedDeficit>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-481" decimals="-3" id="f-2907" unitRef="usd">1038145000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-482" decimals="-3" id="f-2908" unitRef="usd">-259536000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-483" decimals="-3" id="f-2909" unitRef="usd">-259536000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-484" decimals="-3" id="f-2910" unitRef="usd">-259536000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-485" decimals="-3" id="f-2911" unitRef="usd">259537000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-481" decimals="-3" id="f-2912" unitRef="usd">104377000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-482" decimals="-3" id="f-2913" unitRef="usd">-26094000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-483" decimals="-3" id="f-2914" unitRef="usd">-26094000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-484" decimals="-3" id="f-2915" unitRef="usd">-26095000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:OffBalanceSheetCreditLossLiability contextRef="c-485" decimals="-3" id="f-2916" unitRef="usd">26094000</us-gaap:OffBalanceSheetCreditLossLiability>
    <us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="c-481" decimals="-3" id="f-2917" unitRef="usd">306171000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
    <us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="c-482" decimals="-3" id="f-2918" unitRef="usd">-76542000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
    <us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="c-483" decimals="-3" id="f-2919" unitRef="usd">-76542000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
    <us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="c-484" decimals="-3" id="f-2920" unitRef="usd">-76543000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
    <us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="c-485" decimals="-3" id="f-2921" unitRef="usd">76544000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedGainLoss contextRef="c-1" decimals="-6" id="f-2922" unitRef="usd">-83000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedGainLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedGainLoss contextRef="c-9" decimals="-6" id="f-2923" unitRef="usd">-115000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedGainLoss>
    <us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax contextRef="c-1" decimals="-6" id="f-2924" unitRef="usd">-27000000</us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax>
    <us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax contextRef="c-9" decimals="-6" id="f-2925" unitRef="usd">-37000000</us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax>
    <slm:CommonEquityTierOneRiskBasedCapital contextRef="c-7" decimals="-3" id="f-2926" unitRef="usd">2957067000</slm:CommonEquityTierOneRiskBasedCapital>
    <slm:TierOneCommonEquityCapitaltoRiskWeightedAssets contextRef="c-7" decimals="3" id="f-2927" unitRef="number">0.113</slm:TierOneCommonEquityCapitaltoRiskWeightedAssets>
    <slm:TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized contextRef="c-7" decimals="-3" id="f-2928" unitRef="usd">1827318000</slm:TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized>
    <slm:TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets contextRef="c-7" decimals="3" id="f-2929" unitRef="number">0.070</slm:TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets>
    <us-gaap:TierOneRiskBasedCapital contextRef="c-7" decimals="-3" id="f-2930" unitRef="usd">2957067000</us-gaap:TierOneRiskBasedCapital>
    <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets contextRef="c-7" decimals="3" id="f-2931" unitRef="number">0.113</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
    <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized contextRef="c-7" decimals="-3" id="f-2932" unitRef="usd">2218886000</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized>
    <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets contextRef="c-7" decimals="3" id="f-2933" unitRef="number">0.085</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
    <us-gaap:Capital contextRef="c-7" decimals="-3" id="f-2934" unitRef="usd">3294663000</us-gaap:Capital>
    <us-gaap:CapitalToRiskWeightedAssets contextRef="c-7" decimals="3" id="f-2935" unitRef="number">0.126</us-gaap:CapitalToRiskWeightedAssets>
    <us-gaap:CapitalRequiredToBeWellCapitalized contextRef="c-7" decimals="-3" id="f-2936" unitRef="usd">2740976000</us-gaap:CapitalRequiredToBeWellCapitalized>
    <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets contextRef="c-7" decimals="3" id="f-2937" unitRef="number">0.105</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
    <us-gaap:TierOneLeverageCapital contextRef="c-7" decimals="-3" id="f-2938" unitRef="usd">2957067000</us-gaap:TierOneLeverageCapital>
    <us-gaap:TierOneLeverageCapitalToAverageAssets contextRef="c-7" decimals="3" id="f-2939" unitRef="number">0.097</us-gaap:TierOneLeverageCapitalToAverageAssets>
    <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized contextRef="c-7" decimals="-3" id="f-2940" unitRef="usd">1213505000</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized>
    <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets contextRef="c-7" decimals="3" id="f-2941" unitRef="number">0.040</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets>
    <slm:CommonEquityTierOneRiskBasedCapital contextRef="c-8" decimals="-3" id="f-2942" unitRef="usd">3019973000</slm:CommonEquityTierOneRiskBasedCapital>
    <slm:TierOneCommonEquityCapitaltoRiskWeightedAssets contextRef="c-8" decimals="3" id="f-2943" unitRef="number">0.123</slm:TierOneCommonEquityCapitaltoRiskWeightedAssets>
    <slm:TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized contextRef="c-8" decimals="-3" id="f-2944" unitRef="usd">1719621000</slm:TierOneRiskBasedCapitalforCommonEquityRequiredtobeCapitalized>
    <slm:TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets contextRef="c-8" decimals="3" id="f-2945" unitRef="number">0.070</slm:TierOneCommonEquityCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets>
    <us-gaap:TierOneRiskBasedCapital contextRef="c-8" decimals="-3" id="f-2946" unitRef="usd">3019973000</us-gaap:TierOneRiskBasedCapital>
    <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets contextRef="c-8" decimals="3" id="f-2947" unitRef="number">0.123</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
    <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized contextRef="c-8" decimals="-3" id="f-2948" unitRef="usd">2088111000</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized>
    <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets contextRef="c-8" decimals="3" id="f-2949" unitRef="number">0.085</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
    <us-gaap:Capital contextRef="c-8" decimals="-3" id="f-2950" unitRef="usd">3334140000</us-gaap:Capital>
    <us-gaap:CapitalToRiskWeightedAssets contextRef="c-8" decimals="3" id="f-2951" unitRef="number">0.136</us-gaap:CapitalToRiskWeightedAssets>
    <us-gaap:CapitalRequiredToBeWellCapitalized contextRef="c-8" decimals="-3" id="f-2952" unitRef="usd">2579432000</us-gaap:CapitalRequiredToBeWellCapitalized>
    <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets contextRef="c-8" decimals="3" id="f-2953" unitRef="number">0.105</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
    <us-gaap:TierOneLeverageCapital contextRef="c-8" decimals="-3" id="f-2954" unitRef="usd">3019973000</us-gaap:TierOneLeverageCapital>
    <us-gaap:TierOneLeverageCapitalToAverageAssets contextRef="c-8" decimals="3" id="f-2955" unitRef="number">0.102</us-gaap:TierOneLeverageCapitalToAverageAssets>
    <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized contextRef="c-8" decimals="-3" id="f-2956" unitRef="usd">1184213000</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized>
    <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets contextRef="c-8" decimals="3" id="f-2957" unitRef="number">0.040</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets>
    <us-gaap:Dividends contextRef="c-1" decimals="-6" id="f-2958" unitRef="usd">570000000</us-gaap:Dividends>
    <us-gaap:Dividends contextRef="c-9" decimals="-6" id="f-2959" unitRef="usd">550000000</us-gaap:Dividends>
    <us-gaap:Dividends contextRef="c-10" decimals="-6" id="f-2960" unitRef="usd">700000000</us-gaap:Dividends>
    <us-gaap:CompensationAndEmployeeBenefitPlansTextBlock contextRef="c-1" id="f-2961">Defined Contribution Plans&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 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, 2024, 2023, and 2022, we contributed $10 million, $8 million, and $7 million, respectively, to this plan.&lt;/span&gt;&lt;/div&gt;</us-gaap:CompensationAndEmployeeBenefitPlansTextBlock>
    <us-gaap:DefinedContributionPlanEmployerMatchingContributionPercent
      contextRef="c-486"
      decimals="INF"
      id="f-2962"
      unitRef="number">1</us-gaap:DefinedContributionPlanEmployerMatchingContributionPercent>
    <slm:Type1ofDefinedContributionPlan
      contextRef="c-486"
      decimals="2"
      id="f-2963"
      unitRef="number">0.05</slm:Type1ofDefinedContributionPlan>
    <us-gaap:DefinedContributionPlanEmployerDiscretionaryContributionAmount contextRef="c-486" decimals="-6" id="f-2964" unitRef="usd">10000000</us-gaap:DefinedContributionPlanEmployerDiscretionaryContributionAmount>
    <us-gaap:DefinedContributionPlanEmployerDiscretionaryContributionAmount contextRef="c-487" decimals="-6" id="f-2965" unitRef="usd">8000000</us-gaap:DefinedContributionPlanEmployerDiscretionaryContributionAmount>
    <us-gaap:DefinedContributionPlanEmployerDiscretionaryContributionAmount contextRef="c-488" decimals="-6" id="f-2966" unitRef="usd">7000000</us-gaap:DefinedContributionPlanEmployerDiscretionaryContributionAmount>
    <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="c-1" id="f-2967">Commitments, Contingencies, and Guarantees&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:400;line-height:120%"&gt;Commitments&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 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 that we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by us. At December 31, 2024, we had $2.3 billion of outstanding contractual loan commitments which we expect to fund during the remainder of the 2024/2025 academic year. At December 31, 2024, we had an $85 million reserve recorded in &#x201c;Other Liabilities&#x201d; to cover lifetime expected credit losses on the unfunded commitments. See Note 2,&#x201c;Significant Accounting Policies &#x2014; Allowance for Credit Losses &#x2014; Off-Balance Sheet Exposure for Contractual Loan Commitments&#x201d; and Note 6, &#x201c;Allowance for Credit Losses and Unfunded Loan Commitments &#x2014; Unfunded Loan Commitments&#x201d; in this Form 10-K for additional information.&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;Contingencies&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 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: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;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: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 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;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
    <us-gaap:ContractualObligation contextRef="c-7" decimals="-8" id="f-2968" unitRef="usd">2300000000</us-gaap:ContractualObligation>
    <slm:OtherLiabilitiesReserve contextRef="c-7" decimals="-6" id="f-2969" unitRef="usd">85000000</slm:OtherLiabilitiesReserve>
    <us-gaap:IncomeTaxDisclosureTextBlock contextRef="c-1" id="f-2970">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&gt;&lt;td style="width:44.142%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.793%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.793%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.795%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.3&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4.1&#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&gt;&lt;/tr&gt;&lt;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 credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(2.0)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(1.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(1.5)&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;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Other, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2.5&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1.8&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2.0&#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&gt;&lt;/tr&gt;&lt;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&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;23.8&#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&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;25.3&#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;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&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;25.6&#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:14pt;text-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 business tax credits and the impact of state taxes, net of federal benefit, for the years ended December 31, 2024, 2023, and 2022.&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-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&gt;&lt;td style="width:44.286%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:2.478%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.284%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.741%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.284%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.741%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.286%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;181,132&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;175,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;205,954&#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&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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;43,506&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;44,152&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;49,427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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 current provision (benefit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;224,638&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;220,129&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;255,381&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(19,032)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(20,687)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(75,978)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;State&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(15,295)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(2,537)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(17,692)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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 deferred provision (benefit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;(34,327)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(23,224)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(93,670)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;190,311&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;196,905&#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&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&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;161,711&#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&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&gt;&lt;td style="width:60.069%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.261%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.062%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.843%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.065%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Loan reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;376,029&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;354,412&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;24,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,841&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;16,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Unrecorded tax benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;12,008&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;11,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Research and development costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;38,119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;26,519&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Stock-based compensation plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;12,885&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,847&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Acquired intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;16,394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;14,536&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;498,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;459,807&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;15,908&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,708&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;8,533&#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&gt;&lt;/tr&gt;&lt;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;Federal deferred for state receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,908&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,171&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;402&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 deferred tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;32,891&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;26,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;465,379&#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&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&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;433,581&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;text-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 $234 million and $223 million as of December 31, 2024 and 2023, respectively. The Company has recorded a valuation allowance against these net operating losses of $234&#160;million and $223&#160;million, respectively. Also included in operating loss carryovers is a capital loss of $23&#160;million and $18&#160;million as of December 31, 2024 and 2023, 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 are more likely than not to expire prior to being realized. Included in net unrealized losses is a valuation allowance of $5&#160;million and $4&#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-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, net unrealized losses 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, 2024, the state net operating loss carryforwards will begin to expire in 2029 and the capital losses will begin to expire 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&gt;&lt;td style="width:56.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.097%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.565%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.565%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&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;68,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;79,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;75,328&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6,049&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,890)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(250)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(1,327)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,711&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;11,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(18,349)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(10,089)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(4,666)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Reductions related to the lapse of statute of limitations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(3,927)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(4,819)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(7,050)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Unrecognized tax benefits at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;48,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;68,123&#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&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&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;79,366&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;text-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, 2024, the gross unrecognized tax benefits are $48 million. Included in the $48 million are $39&#160;million of unrecognized tax benefits that, if recognized, would favorably impact the effective tax rate.&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, 2024, 2023, and 2022, the total amount of income tax-related accrued interest and penalties, net of related benefit, recognized in the consolidated balance sheets was $11 million, $8 million, and $8 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, 2024, 2023, and 2022, the total amount of income tax-related accrued interest, net of related tax benefit, recognized in the consolidated statements of income was $3 million, $2 million, and $(2)&#160;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 2020 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:f-3084"&gt;three&lt;/span&gt; to &lt;span style="-sec-ix-hidden:f-3085"&gt;four&lt;/span&gt; prior years). 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 $11 million during the next 12 months due to the expiration of statutes of limitations. The reduction in the uncertain tax position reserve would be reflected as a tax benefit.</us-gaap:IncomeTaxDisclosureTextBlock>
    <us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock contextRef="c-1" id="f-2971">&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&gt;&lt;td style="width:44.142%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.793%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.793%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.159%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.795%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;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&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2.3&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;4.1&#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&gt;&lt;/tr&gt;&lt;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 credits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(2.0)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(1.3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(1.5)&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;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Other, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2.5&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1.8&#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;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2.0&#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&gt;&lt;/tr&gt;&lt;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&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;23.8&#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&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;25.3&#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;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&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;25.6&#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;</us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
    <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="c-1" decimals="2" id="f-2972" unitRef="number">0.210</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
    <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="c-9" decimals="2" id="f-2973" unitRef="number">0.210</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
    <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="c-10" decimals="2" id="f-2974" unitRef="number">0.210</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
    <us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes contextRef="c-1" decimals="3" id="f-2975" unitRef="number">0.023</us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes>
    <us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes contextRef="c-9" decimals="3" id="f-2976" unitRef="number">0.038</us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes>
    <us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes contextRef="c-10" decimals="3" id="f-2977" unitRef="number">0.041</us-gaap:EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes>
    <us-gaap:EffectiveIncomeTaxRateReconciliationTaxCredits contextRef="c-1" decimals="3" id="f-2978" unitRef="number">0.020</us-gaap:EffectiveIncomeTaxRateReconciliationTaxCredits>
    <us-gaap:EffectiveIncomeTaxRateReconciliationTaxCredits contextRef="c-9" decimals="3" id="f-2979" unitRef="number">0.013</us-gaap:EffectiveIncomeTaxRateReconciliationTaxCredits>
    <us-gaap:EffectiveIncomeTaxRateReconciliationTaxCredits contextRef="c-10" decimals="3" id="f-2980" unitRef="number">0.015</us-gaap:EffectiveIncomeTaxRateReconciliationTaxCredits>
    <us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments contextRef="c-1" decimals="3" id="f-2981" unitRef="number">0.025</us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments>
    <us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments contextRef="c-9" decimals="3" id="f-2982" unitRef="number">0.018</us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments>
    <us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments contextRef="c-10" decimals="3" id="f-2983" unitRef="number">0.020</us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments>
    <us-gaap:EffectiveIncomeTaxRateContinuingOperations contextRef="c-1" decimals="3" id="f-2984" unitRef="number">0.238</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
    <us-gaap:EffectiveIncomeTaxRateContinuingOperations contextRef="c-9" decimals="3" id="f-2985" unitRef="number">0.253</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
    <us-gaap:EffectiveIncomeTaxRateContinuingOperations contextRef="c-10" decimals="3" id="f-2986" unitRef="number">0.256</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
    <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="c-10" decimals="2" id="f-2987" unitRef="number">0.21</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
    <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="c-1" decimals="2" id="f-2988" unitRef="number">0.21</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
    <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate contextRef="c-9" decimals="2" id="f-2989" unitRef="number">0.21</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
    <us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock contextRef="c-1" id="f-2990">&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-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&gt;&lt;td style="width:44.286%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:2.478%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.284%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.741%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.284%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.741%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.286%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',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;181,132&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;175,977&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;205,954&#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&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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;43,506&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;44,152&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;49,427&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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 current provision (benefit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;224,638&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;220,129&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;255,381&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(19,032)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(20,687)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(75,978)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;State&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(15,295)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(2,537)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(17,692)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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 deferred provision (benefit)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;(34,327)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(23,224)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(93,670)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;190,311&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;196,905&#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&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&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;161,711&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock>
    <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="c-1" decimals="-3" id="f-2991" unitRef="usd">181132000</us-gaap:CurrentFederalTaxExpenseBenefit>
    <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="c-9" decimals="-3" id="f-2992" unitRef="usd">175977000</us-gaap:CurrentFederalTaxExpenseBenefit>
    <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="c-10" decimals="-3" id="f-2993" unitRef="usd">205954000</us-gaap:CurrentFederalTaxExpenseBenefit>
    <us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="c-1" decimals="-3" id="f-2994" unitRef="usd">43506000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
    <us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="c-9" decimals="-3" id="f-2995" unitRef="usd">44152000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
    <us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="c-10" decimals="-3" id="f-2996" unitRef="usd">49427000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
    <us-gaap:CurrentIncomeTaxExpenseBenefit contextRef="c-1" decimals="-3" id="f-2997" unitRef="usd">224638000</us-gaap:CurrentIncomeTaxExpenseBenefit>
    <us-gaap:CurrentIncomeTaxExpenseBenefit contextRef="c-9" decimals="-3" id="f-2998" unitRef="usd">220129000</us-gaap:CurrentIncomeTaxExpenseBenefit>
    <us-gaap:CurrentIncomeTaxExpenseBenefit contextRef="c-10" decimals="-3" id="f-2999" unitRef="usd">255381000</us-gaap:CurrentIncomeTaxExpenseBenefit>
    <us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="c-1" decimals="-3" id="f-3000" unitRef="usd">-19032000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
    <us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="c-9" decimals="-3" id="f-3001" unitRef="usd">-20687000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
    <us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="c-10" decimals="-3" id="f-3002" unitRef="usd">-75978000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
    <us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="c-1" decimals="-3" id="f-3003" unitRef="usd">-15295000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
    <us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="c-9" decimals="-3" id="f-3004" unitRef="usd">-2537000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
    <us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="c-10" decimals="-3" id="f-3005" unitRef="usd">-17692000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
    <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="c-1" decimals="-3" id="f-3006" unitRef="usd">-34327000</us-gaap:DeferredIncomeTaxExpenseBenefit>
    <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="c-9" decimals="-3" id="f-3007" unitRef="usd">-23224000</us-gaap:DeferredIncomeTaxExpenseBenefit>
    <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="c-10" decimals="-3" id="f-3008" unitRef="usd">-93670000</us-gaap:DeferredIncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-1" decimals="-3" id="f-3009" unitRef="usd">190311000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-9" decimals="-3" id="f-3010" unitRef="usd">196905000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-10" decimals="-3" id="f-3011" unitRef="usd">161711000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock contextRef="c-1" id="f-3012">&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&gt;&lt;td style="width:60.069%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.261%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.062%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.843%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.065%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Loan reserves&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;376,029&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;354,412&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;21,209&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;24,176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;19,841&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;16,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Unrecorded tax benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;12,008&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;11,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Research and development costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;38,119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;26,519&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Stock-based compensation plans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;12,885&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;10,847&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Acquired intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;16,394&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;14,536&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,785&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;498,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;459,807&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;15,908&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;7,708&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;8,533&#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&gt;&lt;/tr&gt;&lt;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;Federal deferred for state receivable&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,908&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,171&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;402&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 deferred tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;32,891&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;26,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;465,379&#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&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&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;433,581&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
    <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses contextRef="c-7" decimals="-3" id="f-3013" unitRef="usd">376029000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
    <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses contextRef="c-8" decimals="-3" id="f-3014" unitRef="usd">354412000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
    <us-gaap:DeferredTaxAssetsUnrealizedLossesOnTradingSecurities contextRef="c-7" decimals="-3" id="f-3015" unitRef="usd">21209000</us-gaap:DeferredTaxAssetsUnrealizedLossesOnTradingSecurities>
    <us-gaap:DeferredTaxAssetsUnrealizedLossesOnTradingSecurities contextRef="c-8" decimals="-3" id="f-3016" unitRef="usd">24176000</us-gaap:DeferredTaxAssetsUnrealizedLossesOnTradingSecurities>
    <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities contextRef="c-7" decimals="-3" id="f-3017" unitRef="usd">19841000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities>
    <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities contextRef="c-8" decimals="-3" id="f-3018" unitRef="usd">16297000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities>
    <slm:DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits contextRef="c-7" decimals="-3" id="f-3019" unitRef="usd">12008000</slm:DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits>
    <slm:DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits contextRef="c-8" decimals="-3" id="f-3020" unitRef="usd">11568000</slm:DeferredTaxAssetsTaxDeferredExpensesReservesandAccrualsUnrecordedTaxBenefits>
    <us-gaap:DeferredTaxAssetsInProcessResearchAndDevelopment contextRef="c-7" decimals="-3" id="f-3021" unitRef="usd">38119000</us-gaap:DeferredTaxAssetsInProcessResearchAndDevelopment>
    <us-gaap:DeferredTaxAssetsInProcessResearchAndDevelopment contextRef="c-8" decimals="-3" id="f-3022" unitRef="usd">26519000</us-gaap:DeferredTaxAssetsInProcessResearchAndDevelopment>
    <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost contextRef="c-7" decimals="-3" id="f-3023" unitRef="usd">12885000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost>
    <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost contextRef="c-8" decimals="-3" id="f-3024" unitRef="usd">10847000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost>
    <us-gaap:DeferredTaxAssetsGoodwillAndIntangibleAssets contextRef="c-7" decimals="-3" id="f-3025" unitRef="usd">16394000</us-gaap:DeferredTaxAssetsGoodwillAndIntangibleAssets>
    <us-gaap:DeferredTaxAssetsGoodwillAndIntangibleAssets contextRef="c-8" decimals="-3" id="f-3026" unitRef="usd">14536000</us-gaap:DeferredTaxAssetsGoodwillAndIntangibleAssets>
    <us-gaap:DeferredTaxAssetsOperatingLossCarryforwards contextRef="c-7" decimals="-3" id="f-3027" unitRef="usd">0</us-gaap:DeferredTaxAssetsOperatingLossCarryforwards>
    <us-gaap:DeferredTaxAssetsOperatingLossCarryforwards contextRef="c-8" decimals="-3" id="f-3028" unitRef="usd">26000</us-gaap:DeferredTaxAssetsOperatingLossCarryforwards>
    <slm:DeferredTaxAssetsOtherIncludingValuationAllowance contextRef="c-7" decimals="-3" id="f-3029" unitRef="usd">1785000</slm:DeferredTaxAssetsOtherIncludingValuationAllowance>
    <slm:DeferredTaxAssetsOtherIncludingValuationAllowance contextRef="c-8" decimals="-3" id="f-3030" unitRef="usd">1426000</slm:DeferredTaxAssetsOtherIncludingValuationAllowance>
    <us-gaap:DeferredTaxAssetsNet contextRef="c-7" decimals="-3" id="f-3031" unitRef="usd">498270000</us-gaap:DeferredTaxAssetsNet>
    <us-gaap:DeferredTaxAssetsNet contextRef="c-8" decimals="-3" id="f-3032" unitRef="usd">459807000</us-gaap:DeferredTaxAssetsNet>
    <slm:DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet contextRef="c-7" decimals="-3" id="f-3033" unitRef="usd">22873000</slm:DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet>
    <slm:DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet contextRef="c-8" decimals="-3" id="f-3034" unitRef="usd">15908000</slm:DeferredTaxLiabilitiesStudentLoanPremiumsandDiscountsNet>
    <us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment contextRef="c-7" decimals="-3" id="f-3035" unitRef="usd">7708000</us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment>
    <us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment contextRef="c-8" decimals="-3" id="f-3036" unitRef="usd">8533000</us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment>
    <slm:DeferredTaxLiabilitiesFederalDeferredforStateReceivable contextRef="c-7" decimals="-3" id="f-3037" unitRef="usd">1908000</slm:DeferredTaxLiabilitiesFederalDeferredforStateReceivable>
    <slm:DeferredTaxLiabilitiesFederalDeferredforStateReceivable contextRef="c-8" decimals="-3" id="f-3038" unitRef="usd">1171000</slm:DeferredTaxLiabilitiesFederalDeferredforStateReceivable>
    <us-gaap:DeferredTaxLiabilitiesOther contextRef="c-7" decimals="-3" id="f-3039" unitRef="usd">402000</us-gaap:DeferredTaxLiabilitiesOther>
    <us-gaap:DeferredTaxLiabilitiesOther contextRef="c-8" decimals="-3" id="f-3040" unitRef="usd">614000</us-gaap:DeferredTaxLiabilitiesOther>
    <us-gaap:DeferredIncomeTaxLiabilities contextRef="c-7" decimals="-3" id="f-3041" unitRef="usd">32891000</us-gaap:DeferredIncomeTaxLiabilities>
    <us-gaap:DeferredIncomeTaxLiabilities contextRef="c-8" decimals="-3" id="f-3042" unitRef="usd">26226000</us-gaap:DeferredIncomeTaxLiabilities>
    <us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="c-7" decimals="-3" id="f-3043" unitRef="usd">465379000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
    <us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="c-8" decimals="-3" id="f-3044" unitRef="usd">433581000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
    <us-gaap:OperatingLossCarryforwardsValuationAllowance contextRef="c-7" decimals="-6" id="f-3045" unitRef="usd">234000000</us-gaap:OperatingLossCarryforwardsValuationAllowance>
    <us-gaap:OperatingLossCarryforwardsValuationAllowance contextRef="c-8" decimals="-6" id="f-3046" unitRef="usd">223000000</us-gaap:OperatingLossCarryforwardsValuationAllowance>
    <us-gaap:ValuationAllowanceDeferredTaxAssetChangeInAmount contextRef="c-1" decimals="-6" id="f-3047" unitRef="usd">234000000</us-gaap:ValuationAllowanceDeferredTaxAssetChangeInAmount>
    <us-gaap:ValuationAllowanceDeferredTaxAssetChangeInAmount contextRef="c-9" decimals="-6" id="f-3048" unitRef="usd">223000000</us-gaap:ValuationAllowanceDeferredTaxAssetChangeInAmount>
    <slm:OperatingLossCarryforwardsCapitalLoss contextRef="c-7" decimals="-6" id="f-3049" unitRef="usd">23000000</slm:OperatingLossCarryforwardsCapitalLoss>
    <slm:OperatingLossCarryforwardsCapitalLoss contextRef="c-8" decimals="-6" id="f-3050" unitRef="usd">18000000</slm:OperatingLossCarryforwardsCapitalLoss>
    <slm:CapitalLossValuationAllowance contextRef="c-7" decimals="-6" id="f-3051" unitRef="usd">5000000</slm:CapitalLossValuationAllowance>
    <slm:CapitalLossValuationAllowance contextRef="c-8" decimals="-6" id="f-3052" unitRef="usd">4000000</slm:CapitalLossValuationAllowance>
    <us-gaap:ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock contextRef="c-1" id="f-3053">&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&gt;&lt;td style="width:56.480%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.097%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.565%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.763%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.565%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&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;68,123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;79,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;75,328&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;1,204&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;6,049&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(1,890)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(250)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(1,327)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;3,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,711&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;11,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(18,349)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(10,089)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(4,666)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Reductions related to the lapse of statute of limitations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(3,927)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(4,819)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(7,050)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Unrecognized tax benefits at end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;48,407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;68,123&#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&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&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;79,366&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfUnrecognizedTaxBenefitsRollForwardTableTextBlock>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-8" decimals="-3" id="f-3054" unitRef="usd">68123000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-31" decimals="-3" id="f-3055" unitRef="usd">79366000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-17" decimals="-3" id="f-3056" unitRef="usd">75328000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions contextRef="c-1" decimals="-3" id="f-3057" unitRef="usd">1232000</us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions contextRef="c-9" decimals="-3" id="f-3058" unitRef="usd">1204000</us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions contextRef="c-10" decimals="-3" id="f-3059" unitRef="usd">6049000</us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions contextRef="c-1" decimals="-3" id="f-3060" unitRef="usd">1890000</us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions contextRef="c-9" decimals="-3" id="f-3061" unitRef="usd">250000</us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions contextRef="c-10" decimals="-3" id="f-3062" unitRef="usd">1327000</us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions contextRef="c-1" decimals="-3" id="f-3063" unitRef="usd">3218000</us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions contextRef="c-9" decimals="-3" id="f-3064" unitRef="usd">2711000</us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions contextRef="c-10" decimals="-3" id="f-3065" unitRef="usd">11032000</us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities contextRef="c-1" decimals="-3" id="f-3066" unitRef="usd">18349000</us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities>
    <us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities contextRef="c-9" decimals="-3" id="f-3067" unitRef="usd">10089000</us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities>
    <us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities contextRef="c-10" decimals="-3" id="f-3068" unitRef="usd">4666000</us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities>
    <us-gaap:UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations contextRef="c-1" decimals="-3" id="f-3069" unitRef="usd">3927000</us-gaap:UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations>
    <us-gaap:UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations contextRef="c-9" decimals="-3" id="f-3070" unitRef="usd">4819000</us-gaap:UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations>
    <us-gaap:UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations contextRef="c-10" decimals="-3" id="f-3071" unitRef="usd">7050000</us-gaap:UnrecognizedTaxBenefitsReductionsResultingFromLapseOfApplicableStatuteOfLimitations>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-7" decimals="-3" id="f-3072" unitRef="usd">48407000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-8" decimals="-3" id="f-3073" unitRef="usd">68123000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-31" decimals="-3" id="f-3074" unitRef="usd">79366000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-7" decimals="-6" id="f-3075" unitRef="usd">48000000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-7" decimals="-6" id="f-3076" unitRef="usd">48000000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate contextRef="c-7" decimals="-6" id="f-3077" unitRef="usd">39000000</us-gaap:UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate>
    <us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued contextRef="c-7" decimals="-6" id="f-3078" unitRef="usd">11000000</us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued>
    <us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued contextRef="c-8" decimals="-6" id="f-3079" unitRef="usd">8000000</us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued>
    <us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued contextRef="c-31" decimals="-6" id="f-3080" unitRef="usd">8000000</us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued>
    <us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense contextRef="c-1" decimals="-6" id="f-3081" unitRef="usd">3000000</us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense>
    <us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense contextRef="c-9" decimals="-6" id="f-3082" unitRef="usd">2000000</us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense>
    <us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense contextRef="c-10" decimals="-6" id="f-3083" unitRef="usd">-2000000</us-gaap:UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense>
    <us-gaap:DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible contextRef="c-7" decimals="-6" id="f-3086" unitRef="usd">11000000</us-gaap:DecreaseInUnrecognizedTaxBenefitsIsReasonablyPossible>
    <us-gaap:ConcentrationRiskDisclosureTextBlock contextRef="c-1" id="f-3087">Concentrations of Risk &lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt; &lt;/span&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 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 a number of risks, including, but not limited 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;&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 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. &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 Associated with Deposit Products&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 ability to achieve our business goals, including funding our Private Education Loans, is heavily reliant on our ability to obtain deposits. We expect to compete for deposits based primarily on a combination of reputation, rate, and availability  of information about our deposit products. Our competitors, many of whom have greater financial resources or lower costs than we do, may be more effective in attracting new deposits and retaining existing deposits such as by offering more competitive rates, dedicating more resources for advertising, or engaging in more effective forms of marketing. &lt;/span&gt;&lt;/div&gt;At December 31, 2024, our brokered deposits represented 45 percent of our total deposits. Brokered deposits may be more price sensitive than other types of deposits and may become less available if alternative investments offer higher returns. In addition, our ability to maintain existing balances of all deposit types or obtain additional deposits of any type 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, general economic conditions, including high unemployment and decreased savings rates, and adverse developments in the financial services industry generally. 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.</us-gaap:ConcentrationRiskDisclosureTextBlock>
    <slm:BrokeredDepositPercent contextRef="c-7" decimals="2" id="f-3088" unitRef="number">0.45</slm:BrokeredDepositPercent>
    <us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock contextRef="c-1" id="f-3089">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:81.250%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:69.156%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.575%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.577%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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;Parent Only Condensed Balance Sheets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;At December 31, (dollars in thousands, except share and per share amounts)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;391,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;237,857&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,773,211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,628,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Due from subsidiaries, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;43,556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;63,679&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;3,210,413&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2,932,644&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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:#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Long-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;995,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;992,200&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;26,701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;32,633&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;32,946&#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&gt;&lt;/tr&gt;&lt;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 liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,050,493&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;1,051,847&#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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&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;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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="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:#ededee;padding:0 1pt"&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;251,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;251,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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: 440.6 million and 438.2 million shares issued, respectively&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;88,121&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;87,647&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Additional paid-in capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,193,753&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,148,689&#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&gt;&lt;/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;Accumulated other comprehensive loss (net of tax benefit of $(21,209) and $(24,176), respectively)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(65,861)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(75,104)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Retained earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,114,446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,624,859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 SLM Corporation stockholders&#x2019; equity before treasury stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;5,581,529&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;5,037,161&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/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;Less: Common stock held in treasury at cost: 230.2 million and 217.9 million shares, respectively&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(3,421,609)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(3,156,364)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,159,920&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,880,797&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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 liabilities and equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,210,413&#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&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&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;2,932,644&#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&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: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:74.027%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.931%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.113%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.113%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.113%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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;Parent Only Condensed Statements of Income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&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;11,660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;4,084&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;39,855&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;39,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;39,860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Net interest loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(28,195)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(30,516)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(35,776)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Non-interest income (loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(2,701)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(5,117)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Non-interest expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;62,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;61,958&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;55,466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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:#ededee;padding:0 1pt"&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;(90,777)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(95,175)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(96,359)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Income tax benefit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(7,117)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(6,942)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(10,351)&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&gt;&lt;/tr&gt;&lt;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;Equity in net income from 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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;691,985&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;669,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;555,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;608,325&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;581,391&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;469,014&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;17,705&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;9,029&#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&gt;&lt;/tr&gt;&lt;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 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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;590,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;563,686&#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&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&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;459,985&#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&gt;&lt;/tr&gt;&lt;/table&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:85.555%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.936%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.936%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.936%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.889%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;608,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;581,391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;469,014&#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&gt;&lt;/tr&gt;&lt;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 provided by operating activities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;Undistributed earnings of subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(691,985)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(669,624)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(555,022)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;569,500&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;550,000&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;699,500&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,816&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5,231&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,647&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Amortization of discount on unsecured borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;573&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;571&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;571&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Acquisition related costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,603&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;(Increase) 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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;27,350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;35,654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(9,179)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,123&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;36,864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;5,124&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(14,265)&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(13,422)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(20,533)&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,261)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(8,713)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(101)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,053&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(3,442)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(1,836)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;(89,265)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(56,498)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;120,296&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;519,060&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;524,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;589,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;Purchase of subsidiary, net of cash acquired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(14,654)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(127,654)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Net cash used in investing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(14,654)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(127,654)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(375)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Common stock dividends paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(99,172)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(101,233)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(112,961)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Preferred stock dividends paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(18,296)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(17,705)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(9,029)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Common stock repurchased&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(247,968)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(350,264)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(713,197)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Net cash used in financing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;(365,436)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(469,202)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(835,562)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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 increase (decrease) in cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;153,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;41,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(373,906)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Cash and cash equivalents at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;237,857&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;196,820&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;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&gt;&lt;/tr&gt;&lt;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 end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;391,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;237,857&#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&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&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;196,820&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
    <srt:ScheduleOfCondensedBalanceSheetTableTextBlock contextRef="c-1" id="f-3090">&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:81.250%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:69.156%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.575%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.577%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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;Parent Only Condensed Balance Sheets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:#144f82;font-family:'Arial',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;At December 31, (dollars in thousands, except share and per share amounts)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;391,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;237,857&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,773,211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,628,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Due from subsidiaries, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;43,556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;63,679&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,270&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;3,210,413&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;2,932,644&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:3pt double #000;padding:0 1pt"&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:#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Long-term borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;995,420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;992,200&#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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;22,440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;26,701&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;32,633&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;32,946&#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&gt;&lt;/tr&gt;&lt;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 liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,050,493&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;1,051,847&#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&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&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;Equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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="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:#ededee;padding:0 1pt"&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;251,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;251,070&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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: 440.6 million and 438.2 million shares issued, respectively&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;88,121&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;87,647&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Additional paid-in capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,193,753&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;1,148,689&#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&gt;&lt;/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;Accumulated other comprehensive loss (net of tax benefit of $(21,209) and $(24,176), respectively)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(65,861)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(75,104)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Retained earnings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;4,114,446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,624,859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 SLM Corporation stockholders&#x2019; equity before treasury stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;5,581,529&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;5,037,161&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/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;Less: Common stock held in treasury at cost: 230.2 million and 217.9 million shares, respectively&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(3,421,609)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(3,156,364)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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:#ffffff;padding:0 1pt"&gt;&lt;/td&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;2,159,920&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;1,880,797&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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 liabilities and equity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;3,210,413&#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&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&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;2,932,644&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</srt:ScheduleOfCondensedBalanceSheetTableTextBlock>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-489" decimals="-3" id="f-3091" unitRef="usd">391481000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-490" decimals="-3" id="f-3092" unitRef="usd">237857000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <slm:InvestmentinSubsidiary contextRef="c-489" decimals="-3" id="f-3093" unitRef="usd">2773211000</slm:InvestmentinSubsidiary>
    <slm:InvestmentinSubsidiary contextRef="c-490" decimals="-3" id="f-3094" unitRef="usd">2628838000</slm:InvestmentinSubsidiary>
    <slm:DuefromSubsidiaresNet contextRef="c-489" decimals="-3" id="f-3095" unitRef="usd">43556000</slm:DuefromSubsidiaresNet>
    <slm:DuefromSubsidiaresNet contextRef="c-490" decimals="-3" id="f-3096" unitRef="usd">63679000</slm:DuefromSubsidiaresNet>
    <us-gaap:OtherAssets contextRef="c-489" decimals="-3" id="f-3097" unitRef="usd">2165000</us-gaap:OtherAssets>
    <us-gaap:OtherAssets contextRef="c-490" decimals="-3" id="f-3098" unitRef="usd">2270000</us-gaap:OtherAssets>
    <us-gaap:Assets contextRef="c-489" decimals="-3" id="f-3099" unitRef="usd">3210413000</us-gaap:Assets>
    <us-gaap:Assets contextRef="c-490" decimals="-3" id="f-3100" unitRef="usd">2932644000</us-gaap:Assets>
    <us-gaap:LongTermDebt contextRef="c-489" decimals="-3" id="f-3101" unitRef="usd">995420000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-490" decimals="-3" id="f-3102" unitRef="usd">992200000</us-gaap:LongTermDebt>
    <us-gaap:TaxesPayableCurrentAndNoncurrent contextRef="c-489" decimals="-3" id="f-3103" unitRef="usd">22440000</us-gaap:TaxesPayableCurrentAndNoncurrent>
    <us-gaap:TaxesPayableCurrentAndNoncurrent contextRef="c-490" decimals="-3" id="f-3104" unitRef="usd">26701000</us-gaap:TaxesPayableCurrentAndNoncurrent>
    <us-gaap:OtherLiabilities contextRef="c-489" decimals="-3" id="f-3105" unitRef="usd">32633000</us-gaap:OtherLiabilities>
    <us-gaap:OtherLiabilities contextRef="c-490" decimals="-3" id="f-3106" unitRef="usd">32946000</us-gaap:OtherLiabilities>
    <us-gaap:Liabilities contextRef="c-489" decimals="-3" id="f-3107" unitRef="usd">1050493000</us-gaap:Liabilities>
    <us-gaap:Liabilities contextRef="c-490" decimals="-3" id="f-3108" unitRef="usd">1051847000</us-gaap:Liabilities>
    <us-gaap:PreferredStockParOrStatedValuePerShare
      contextRef="c-489"
      decimals="2"
      id="f-3109"
      unitRef="usdPerShare">0.20</us-gaap:PreferredStockParOrStatedValuePerShare>
    <us-gaap:PreferredStockParOrStatedValuePerShare
      contextRef="c-490"
      decimals="2"
      id="f-3110"
      unitRef="usdPerShare">0.20</us-gaap:PreferredStockParOrStatedValuePerShare>
    <us-gaap:PreferredStockSharesAuthorized
      contextRef="c-489"
      decimals="-6"
      id="f-3111"
      unitRef="shares">20000000</us-gaap:PreferredStockSharesAuthorized>
    <us-gaap:PreferredStockSharesAuthorized
      contextRef="c-490"
      decimals="-6"
      id="f-3112"
      unitRef="shares">20000000</us-gaap:PreferredStockSharesAuthorized>
    <us-gaap:PreferredStockSharesIssued
      contextRef="c-491"
      decimals="-5"
      id="f-3113"
      unitRef="shares">2500000</us-gaap:PreferredStockSharesIssued>
    <us-gaap:PreferredStockSharesIssued
      contextRef="c-492"
      decimals="-5"
      id="f-3114"
      unitRef="shares">2500000</us-gaap:PreferredStockSharesIssued>
    <us-gaap:PreferredStockLiquidationPreference
      contextRef="c-491"
      decimals="INF"
      id="f-3115"
      unitRef="usdPerShare">100</us-gaap:PreferredStockLiquidationPreference>
    <us-gaap:PreferredStockLiquidationPreference
      contextRef="c-492"
      decimals="INF"
      id="f-3116"
      unitRef="usdPerShare">100</us-gaap:PreferredStockLiquidationPreference>
    <us-gaap:PreferredStockValue contextRef="c-491" decimals="-3" id="f-3117" unitRef="usd">251070000</us-gaap:PreferredStockValue>
    <us-gaap:PreferredStockValue contextRef="c-492" decimals="-3" id="f-3118" unitRef="usd">251070000</us-gaap:PreferredStockValue>
    <us-gaap:CommonStockParOrStatedValuePerShare
      contextRef="c-489"
      decimals="2"
      id="f-3119"
      unitRef="usdPerShare">0.20</us-gaap:CommonStockParOrStatedValuePerShare>
    <us-gaap:CommonStockParOrStatedValuePerShare
      contextRef="c-490"
      decimals="2"
      id="f-3120"
      unitRef="usdPerShare">0.20</us-gaap:CommonStockParOrStatedValuePerShare>
    <us-gaap:CommonStockSharesAuthorized
      contextRef="c-489"
      decimals="-6"
      id="f-3121"
      unitRef="shares">1125000000</us-gaap:CommonStockSharesAuthorized>
    <us-gaap:CommonStockSharesAuthorized
      contextRef="c-490"
      decimals="-6"
      id="f-3122"
      unitRef="shares">1125000000</us-gaap:CommonStockSharesAuthorized>
    <us-gaap:CommonStockSharesIssued
      contextRef="c-489"
      decimals="-5"
      id="f-3123"
      unitRef="shares">440600000</us-gaap:CommonStockSharesIssued>
    <us-gaap:CommonStockSharesIssued
      contextRef="c-490"
      decimals="-5"
      id="f-3124"
      unitRef="shares">438200000</us-gaap:CommonStockSharesIssued>
    <us-gaap:CommonStockValue contextRef="c-489" decimals="-3" id="f-3125" unitRef="usd">88121000</us-gaap:CommonStockValue>
    <us-gaap:CommonStockValue contextRef="c-490" decimals="-3" id="f-3126" unitRef="usd">87647000</us-gaap:CommonStockValue>
    <us-gaap:AdditionalPaidInCapital contextRef="c-489" decimals="-3" id="f-3127" unitRef="usd">1193753000</us-gaap:AdditionalPaidInCapital>
    <us-gaap:AdditionalPaidInCapital contextRef="c-490" decimals="-3" id="f-3128" unitRef="usd">1148689000</us-gaap:AdditionalPaidInCapital>
    <us-gaap:AociTaxAttributableToParent contextRef="c-489" decimals="-3" id="f-3129" unitRef="usd">-21209000</us-gaap:AociTaxAttributableToParent>
    <us-gaap:AociTaxAttributableToParent contextRef="c-490" decimals="-3" id="f-3130" unitRef="usd">24176000</us-gaap:AociTaxAttributableToParent>
    <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax contextRef="c-489" decimals="-3" id="f-3131" unitRef="usd">-65861000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax contextRef="c-490" decimals="-3" id="f-3132" unitRef="usd">-75104000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c-489" decimals="-3" id="f-3133" unitRef="usd">4114446000</us-gaap:RetainedEarningsAccumulatedDeficit>
    <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c-490" decimals="-3" id="f-3134" unitRef="usd">3624859000</us-gaap:RetainedEarningsAccumulatedDeficit>
    <slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock contextRef="c-489" decimals="-3" id="f-3135" unitRef="usd">5581529000</slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock>
    <slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock contextRef="c-490" decimals="-3" id="f-3136" unitRef="usd">5037161000</slm:StockholdersEquityAttributabletoParentExcludingTreasuryStock>
    <us-gaap:TreasuryStockCommonShares
      contextRef="c-489"
      decimals="-5"
      id="f-3137"
      unitRef="shares">230200000</us-gaap:TreasuryStockCommonShares>
    <us-gaap:TreasuryStockCommonShares
      contextRef="c-490"
      decimals="-5"
      id="f-3138"
      unitRef="shares">217900000</us-gaap:TreasuryStockCommonShares>
    <us-gaap:TreasuryStockCommonValue contextRef="c-489" decimals="-3" id="f-3139" unitRef="usd">3421609000</us-gaap:TreasuryStockCommonValue>
    <us-gaap:TreasuryStockCommonValue contextRef="c-490" decimals="-3" id="f-3140" unitRef="usd">3156364000</us-gaap:TreasuryStockCommonValue>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-489" decimals="-3" id="f-3141" unitRef="usd">2159920000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="c-490" decimals="-3" id="f-3142" unitRef="usd">1880797000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
    <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c-489" decimals="-3" id="f-3143" unitRef="usd">3210413000</us-gaap:LiabilitiesAndStockholdersEquity>
    <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c-490" decimals="-3" id="f-3144" unitRef="usd">2932644000</us-gaap:LiabilitiesAndStockholdersEquity>
    <srt:ScheduleOfCondensedIncomeStatementTableTextBlock contextRef="c-1" id="f-3145">&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:74.027%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.931%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.113%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.113%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.909%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.113%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.912%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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;Parent Only Condensed Statements of Income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&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;11,660&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;9,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;4,084&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;39,855&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;39,850&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;39,860&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Net interest loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(28,195)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(30,516)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(35,776)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;Non-interest income (loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(2,701)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(5,117)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Non-interest expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;62,696&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;61,958&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;55,466&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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:#ededee;padding:0 1pt"&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;(90,777)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(95,175)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(96,359)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Income tax benefit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(7,117)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(6,942)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(10,351)&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&gt;&lt;/tr&gt;&lt;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;Equity in net income from 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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;691,985&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;669,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;555,022&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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:#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&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;608,325&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;581,391&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;469,014&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;18,296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;17,705&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;9,029&#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&gt;&lt;/tr&gt;&lt;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 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&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;590,029&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;563,686&#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&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&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;459,985&#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&gt;&lt;/tr&gt;&lt;/table&gt;</srt:ScheduleOfCondensedIncomeStatementTableTextBlock>
    <us-gaap:InterestAndDividendIncomeOperating contextRef="c-493" decimals="-3" id="f-3146" unitRef="usd">11660000</us-gaap:InterestAndDividendIncomeOperating>
    <us-gaap:InterestAndDividendIncomeOperating contextRef="c-494" decimals="-3" id="f-3147" unitRef="usd">9334000</us-gaap:InterestAndDividendIncomeOperating>
    <us-gaap:InterestAndDividendIncomeOperating contextRef="c-495" decimals="-3" id="f-3148" unitRef="usd">4084000</us-gaap:InterestAndDividendIncomeOperating>
    <us-gaap:InterestExpenseOperating contextRef="c-493" decimals="-3" id="f-3149" unitRef="usd">39855000</us-gaap:InterestExpenseOperating>
    <us-gaap:InterestExpenseOperating contextRef="c-494" decimals="-3" id="f-3150" unitRef="usd">39850000</us-gaap:InterestExpenseOperating>
    <us-gaap:InterestExpenseOperating contextRef="c-495" decimals="-3" id="f-3151" unitRef="usd">39860000</us-gaap:InterestExpenseOperating>
    <us-gaap:InterestIncomeExpenseNet contextRef="c-493" decimals="-3" id="f-3152" unitRef="usd">-28195000</us-gaap:InterestIncomeExpenseNet>
    <us-gaap:InterestIncomeExpenseNet contextRef="c-494" decimals="-3" id="f-3153" unitRef="usd">-30516000</us-gaap:InterestIncomeExpenseNet>
    <us-gaap:InterestIncomeExpenseNet contextRef="c-495" decimals="-3" id="f-3154" unitRef="usd">-35776000</us-gaap:InterestIncomeExpenseNet>
    <slm:NonInterestIncomeLoss contextRef="c-493" decimals="-3" id="f-3155" unitRef="usd">114000</slm:NonInterestIncomeLoss>
    <slm:NonInterestIncomeLoss contextRef="c-494" decimals="-3" id="f-3156" unitRef="usd">-2701000</slm:NonInterestIncomeLoss>
    <slm:NonInterestIncomeLoss contextRef="c-495" decimals="-3" id="f-3157" unitRef="usd">-5117000</slm:NonInterestIncomeLoss>
    <us-gaap:NoninterestExpense contextRef="c-493" decimals="-3" id="f-3158" unitRef="usd">62696000</us-gaap:NoninterestExpense>
    <us-gaap:NoninterestExpense contextRef="c-494" decimals="-3" id="f-3159" unitRef="usd">61958000</us-gaap:NoninterestExpense>
    <us-gaap:NoninterestExpense contextRef="c-495" decimals="-3" id="f-3160" unitRef="usd">55466000</us-gaap:NoninterestExpense>
    <slm:IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes contextRef="c-493" decimals="-3" id="f-3161" unitRef="usd">-90777000</slm:IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes>
    <slm:IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes contextRef="c-494" decimals="-3" id="f-3162" unitRef="usd">-95175000</slm:IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes>
    <slm:IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes contextRef="c-495" decimals="-3" id="f-3163" unitRef="usd">-96359000</slm:IncomeLossFromContinuingOperationsBeforeIncomelossFromSubsidiariesandIncomeTaxes>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-493" decimals="-3" id="f-3164" unitRef="usd">-7117000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-494" decimals="-3" id="f-3165" unitRef="usd">-6942000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-495" decimals="-3" id="f-3166" unitRef="usd">-10351000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeLossFromSubsidiariesNetOfTax contextRef="c-493" decimals="-3" id="f-3167" unitRef="usd">691985000</us-gaap:IncomeLossFromSubsidiariesNetOfTax>
    <us-gaap:IncomeLossFromSubsidiariesNetOfTax contextRef="c-494" decimals="-3" id="f-3168" unitRef="usd">669624000</us-gaap:IncomeLossFromSubsidiariesNetOfTax>
    <us-gaap:IncomeLossFromSubsidiariesNetOfTax contextRef="c-495" decimals="-3" id="f-3169" unitRef="usd">555022000</us-gaap:IncomeLossFromSubsidiariesNetOfTax>
    <us-gaap:ProfitLoss contextRef="c-493" decimals="-3" id="f-3170" unitRef="usd">608325000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-494" decimals="-3" id="f-3171" unitRef="usd">581391000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-495" decimals="-3" id="f-3172" unitRef="usd">469014000</us-gaap:ProfitLoss>
    <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="c-493" decimals="-3" id="f-3173" unitRef="usd">18296000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
    <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="c-494" decimals="-3" id="f-3174" unitRef="usd">17705000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
    <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="c-495" decimals="-3" id="f-3175" unitRef="usd">9029000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-493" decimals="-3" id="f-3176" unitRef="usd">590029000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-494" decimals="-3" id="f-3177" unitRef="usd">563686000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-495" decimals="-3" id="f-3178" unitRef="usd">459985000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <srt:ScheduleOfCondensedCashFlowStatementTableTextBlock contextRef="c-1" id="f-3179">&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:85.555%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.529%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.936%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.936%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.887%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.936%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.889%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&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:#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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;Net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;608,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;581,391&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;469,014&#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&gt;&lt;/tr&gt;&lt;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 provided by operating activities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;Undistributed earnings of subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(691,985)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(669,624)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(555,022)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;569,500&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;550,000&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;699,500&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;2,816&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5,231&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,647&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,651&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Amortization of discount on unsecured borrowings&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;573&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;571&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;571&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Acquisition related costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;952&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;2,603&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;(Increase) 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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;27,350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;35,654&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(9,179)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;20,123&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;36,864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;5,124&#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&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(14,265)&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(13,422)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(20,533)&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;(4,261)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(8,713)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(101)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;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&gt;&lt;td colspan="2" style="background-color:#ededee;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,053&#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;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(3,442)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(1,836)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;(89,265)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(56,498)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;120,296&#160;&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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&gt;&lt;td colspan="2" style="background-color:#ededee;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;519,060&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;524,893&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;589,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;Purchase of subsidiary, net of cash acquired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(14,654)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(127,654)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Net cash used in investing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;&#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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(14,654)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(127,654)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&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;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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;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&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(375)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&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;Common stock dividends paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(99,172)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(101,233)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(112,961)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Preferred stock dividends paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(18,296)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(17,705)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;(9,029)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Common stock repurchased&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(247,968)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(350,264)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;(713,197)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Net cash used in financing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&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;(365,436)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(469,202)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;(835,562)&lt;/span&gt;&lt;/td&gt;&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&gt;&lt;/tr&gt;&lt;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 increase (decrease) in cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;153,624&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;41,037&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;(373,906)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Cash and cash equivalents at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;237,857&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;196,820&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;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&gt;&lt;/tr&gt;&lt;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 end of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;391,481&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;237,857&#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&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&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;196,820&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</srt:ScheduleOfCondensedCashFlowStatementTableTextBlock>
    <us-gaap:ProfitLoss contextRef="c-493" decimals="-3" id="f-3180" unitRef="usd">608325000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-494" decimals="-3" id="f-3181" unitRef="usd">581391000</us-gaap:ProfitLoss>
    <us-gaap:ProfitLoss contextRef="c-495" decimals="-3" id="f-3182" unitRef="usd">469014000</us-gaap:ProfitLoss>
    <slm:Undistributedearningsofsubsidiaries contextRef="c-493" decimals="-3" id="f-3183" unitRef="usd">691985000</slm:Undistributedearningsofsubsidiaries>
    <slm:Undistributedearningsofsubsidiaries contextRef="c-494" decimals="-3" id="f-3184" unitRef="usd">669624000</slm:Undistributedearningsofsubsidiaries>
    <slm:Undistributedearningsofsubsidiaries contextRef="c-495" decimals="-3" id="f-3185" unitRef="usd">555022000</slm:Undistributedearningsofsubsidiaries>
    <us-gaap:ProceedsFromDividendsReceived contextRef="c-493" decimals="-3" id="f-3186" unitRef="usd">569500000</us-gaap:ProceedsFromDividendsReceived>
    <us-gaap:ProceedsFromDividendsReceived contextRef="c-494" decimals="-3" id="f-3187" unitRef="usd">550000000</us-gaap:ProceedsFromDividendsReceived>
    <us-gaap:ProceedsFromDividendsReceived contextRef="c-495" decimals="-3" id="f-3188" unitRef="usd">699500000</us-gaap:ProceedsFromDividendsReceived>
    <slm:InterestIncomeonTaxIndemnificationReceivable contextRef="c-493" decimals="-3" id="f-3189" unitRef="usd">0</slm:InterestIncomeonTaxIndemnificationReceivable>
    <slm:InterestIncomeonTaxIndemnificationReceivable contextRef="c-494" decimals="-3" id="f-3190" unitRef="usd">-2816000</slm:InterestIncomeonTaxIndemnificationReceivable>
    <slm:InterestIncomeonTaxIndemnificationReceivable contextRef="c-495" decimals="-3" id="f-3191" unitRef="usd">-5231000</slm:InterestIncomeonTaxIndemnificationReceivable>
    <slm:AmortizationOfABCPUpfrontLoanFees contextRef="c-493" decimals="-3" id="f-3192" unitRef="usd">2647000</slm:AmortizationOfABCPUpfrontLoanFees>
    <slm:AmortizationOfABCPUpfrontLoanFees contextRef="c-494" decimals="-3" id="f-3193" unitRef="usd">2643000</slm:AmortizationOfABCPUpfrontLoanFees>
    <slm:AmortizationOfABCPUpfrontLoanFees contextRef="c-495" decimals="-3" id="f-3194" unitRef="usd">2651000</slm:AmortizationOfABCPUpfrontLoanFees>
    <us-gaap:AmortizationOfDebtDiscountPremium contextRef="c-1" decimals="-3" id="f-3195" unitRef="usd">573000</us-gaap:AmortizationOfDebtDiscountPremium>
    <us-gaap:AmortizationOfDebtDiscountPremium contextRef="c-9" decimals="-3" id="f-3196" unitRef="usd">571000</us-gaap:AmortizationOfDebtDiscountPremium>
    <us-gaap:AmortizationOfDebtDiscountPremium contextRef="c-10" decimals="-3" id="f-3197" unitRef="usd">571000</us-gaap:AmortizationOfDebtDiscountPremium>
    <us-gaap:BusinessCombinationAcquisitionRelatedCosts contextRef="c-1" decimals="-3" id="f-3198" unitRef="usd">0</us-gaap:BusinessCombinationAcquisitionRelatedCosts>
    <us-gaap:BusinessCombinationAcquisitionRelatedCosts contextRef="c-9" decimals="-3" id="f-3199" unitRef="usd">952000</us-gaap:BusinessCombinationAcquisitionRelatedCosts>
    <us-gaap:BusinessCombinationAcquisitionRelatedCosts contextRef="c-10" decimals="-3" id="f-3200" unitRef="usd">2603000</us-gaap:BusinessCombinationAcquisitionRelatedCosts>
    <slm:DecreaseIncreaseInInvestmentsInSubsidiariesNet contextRef="c-493" decimals="-3" id="f-3201" unitRef="usd">27350000</slm:DecreaseIncreaseInInvestmentsInSubsidiariesNet>
    <slm:DecreaseIncreaseInInvestmentsInSubsidiariesNet contextRef="c-494" decimals="-3" id="f-3202" unitRef="usd">35654000</slm:DecreaseIncreaseInInvestmentsInSubsidiariesNet>
    <slm:DecreaseIncreaseInInvestmentsInSubsidiariesNet contextRef="c-495" decimals="-3" id="f-3203" unitRef="usd">-9179000</slm:DecreaseIncreaseInInvestmentsInSubsidiariesNet>
    <slm:IncreaseDecreaseinDuefromSubsidiariesNet contextRef="c-493" decimals="-3" id="f-3204" unitRef="usd">-20123000</slm:IncreaseDecreaseinDuefromSubsidiariesNet>
    <slm:IncreaseDecreaseinDuefromSubsidiariesNet contextRef="c-494" decimals="-3" id="f-3205" unitRef="usd">-36864000</slm:IncreaseDecreaseinDuefromSubsidiariesNet>
    <slm:IncreaseDecreaseinDuefromSubsidiariesNet contextRef="c-495" decimals="-3" id="f-3206" unitRef="usd">-5124000</slm:IncreaseDecreaseinDuefromSubsidiariesNet>
    <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c-493" decimals="-3" id="f-3207" unitRef="usd">14265000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
    <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c-494" decimals="-3" id="f-3208" unitRef="usd">13422000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
    <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c-495" decimals="-3" id="f-3209" unitRef="usd">20533000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
    <slm:IncreaseDecreaseinincometaxpayabletorelatedparty contextRef="c-493" decimals="-3" id="f-3210" unitRef="usd">-4261000</slm:IncreaseDecreaseinincometaxpayabletorelatedparty>
    <slm:IncreaseDecreaseinincometaxpayabletorelatedparty contextRef="c-494" decimals="-3" id="f-3211" unitRef="usd">490000</slm:IncreaseDecreaseinincometaxpayabletorelatedparty>
    <slm:IncreaseDecreaseinincometaxpayabletorelatedparty contextRef="c-495" decimals="-3" id="f-3212" unitRef="usd">-8713000</slm:IncreaseDecreaseinincometaxpayabletorelatedparty>
    <us-gaap:IncreaseDecreaseInDueToRelatedParties contextRef="c-493" decimals="-3" id="f-3213" unitRef="usd">0</us-gaap:IncreaseDecreaseInDueToRelatedParties>
    <us-gaap:IncreaseDecreaseInDueToRelatedParties contextRef="c-494" decimals="-3" id="f-3214" unitRef="usd">0</us-gaap:IncreaseDecreaseInDueToRelatedParties>
    <us-gaap:IncreaseDecreaseInDueToRelatedParties contextRef="c-495" decimals="-3" id="f-3215" unitRef="usd">-101000</us-gaap:IncreaseDecreaseInDueToRelatedParties>
    <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="c-493" decimals="-3" id="f-3216" unitRef="usd">1053000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
    <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="c-494" decimals="-3" id="f-3217" unitRef="usd">-3442000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
    <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="c-495" decimals="-3" id="f-3218" unitRef="usd">-1836000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
    <us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities contextRef="c-493" decimals="-3" id="f-3219" unitRef="usd">-89265000</us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities>
    <us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities contextRef="c-494" decimals="-3" id="f-3220" unitRef="usd">-56498000</us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities>
    <us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities contextRef="c-495" decimals="-3" id="f-3221" unitRef="usd">120296000</us-gaap:AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities>
    <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c-493" decimals="-3" id="f-3222" unitRef="usd">519060000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
    <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c-494" decimals="-3" id="f-3223" unitRef="usd">524893000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
    <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c-495" decimals="-3" id="f-3224" unitRef="usd">589310000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
    <us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates contextRef="c-1" decimals="-3" id="f-3225" unitRef="usd">0</us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates>
    <us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates contextRef="c-9" decimals="-3" id="f-3226" unitRef="usd">14654000</us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates>
    <us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates contextRef="c-10" decimals="-3" id="f-3227" unitRef="usd">127654000</us-gaap:PaymentsToAcquireInterestInSubsidiariesAndAffiliates>
    <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="c-493" decimals="-3" id="f-3228" unitRef="usd">0</us-gaap:NetCashProvidedByUsedInInvestingActivities>
    <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="c-494" decimals="-3" id="f-3229" unitRef="usd">-14654000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
    <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="c-495" decimals="-3" id="f-3230" unitRef="usd">-127654000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
    <us-gaap:PaymentsOfDebtIssuanceCosts contextRef="c-493" decimals="-3" id="f-3231" unitRef="usd">0</us-gaap:PaymentsOfDebtIssuanceCosts>
    <us-gaap:PaymentsOfDebtIssuanceCosts contextRef="c-494" decimals="-3" id="f-3232" unitRef="usd">0</us-gaap:PaymentsOfDebtIssuanceCosts>
    <us-gaap:PaymentsOfDebtIssuanceCosts contextRef="c-495" decimals="-3" id="f-3233" unitRef="usd">375000</us-gaap:PaymentsOfDebtIssuanceCosts>
    <us-gaap:PaymentsOfDividendsCommonStock contextRef="c-493" decimals="-3" id="f-3234" unitRef="usd">99172000</us-gaap:PaymentsOfDividendsCommonStock>
    <us-gaap:PaymentsOfDividendsCommonStock contextRef="c-494" decimals="-3" id="f-3235" unitRef="usd">101233000</us-gaap:PaymentsOfDividendsCommonStock>
    <us-gaap:PaymentsOfDividendsCommonStock contextRef="c-495" decimals="-3" id="f-3236" unitRef="usd">112961000</us-gaap:PaymentsOfDividendsCommonStock>
    <us-gaap:PaymentsOfDividends contextRef="c-493" decimals="-3" id="f-3237" unitRef="usd">18296000</us-gaap:PaymentsOfDividends>
    <us-gaap:PaymentsOfDividends contextRef="c-494" decimals="-3" id="f-3238" unitRef="usd">17705000</us-gaap:PaymentsOfDividends>
    <us-gaap:PaymentsOfDividends contextRef="c-495" decimals="-3" id="f-3239" unitRef="usd">9029000</us-gaap:PaymentsOfDividends>
    <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="c-493" decimals="-3" id="f-3240" unitRef="usd">247968000</us-gaap:PaymentsForRepurchaseOfCommonStock>
    <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="c-494" decimals="-3" id="f-3241" unitRef="usd">350264000</us-gaap:PaymentsForRepurchaseOfCommonStock>
    <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="c-495" decimals="-3" id="f-3242" unitRef="usd">713197000</us-gaap:PaymentsForRepurchaseOfCommonStock>
    <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c-493" decimals="-3" id="f-3243" unitRef="usd">-365436000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
    <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c-494" decimals="-3" id="f-3244" unitRef="usd">-469202000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
    <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c-495" decimals="-3" id="f-3245" unitRef="usd">-835562000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="c-493" decimals="-3" id="f-3246" unitRef="usd">153624000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="c-494" decimals="-3" id="f-3247" unitRef="usd">41037000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="c-495" decimals="-3" id="f-3248" unitRef="usd">-373906000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-490" decimals="-3" id="f-3249" unitRef="usd">237857000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-496" decimals="-3" id="f-3250" unitRef="usd">196820000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-497" decimals="-3" id="f-3251" unitRef="usd">570726000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-489" decimals="-3" id="f-3252" unitRef="usd">391481000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-490" decimals="-3" id="f-3253" unitRef="usd">237857000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-496" decimals="-3" id="f-3254" unitRef="usd">196820000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:SegmentReportingDisclosureTextBlock contextRef="c-1" id="f-3255">Segment Reporting&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 Company is managed as a single line of business with a single reportable segment originating and servicing high-quality Private Education Loans and providing other education-related services to customers. Our consolidated financial results are regularly reviewed by the Company&#x2019;s Chief Executive Officer (the &#x201c;CEO&#x201d;) to allocate resources and evaluate financial 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;The CEO evaluates the performance of the Company and decides how to allocate resources based on net income and total consolidated assets. The CEO uses net income to assess financial performance and to decide whether to re-invest profits into the Company or to return capital to shareholders in the form of dividends or the repurchase of common stock. Net income is also used to compare budget versus actual results, and the budget versus actual analysis is part of the segment financial performance review. &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 illustrates the significant expense categories and amounts regularly provided to the CEO.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.166%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.890%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.451%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.890%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.451%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.890%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.454%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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;Non-interest expenses:&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;Compensation and benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;349,387&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;326,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;270,354&#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&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;Professional fees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;129,472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;145,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;164,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;Technology expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;57,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;54,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;48,561&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;FDIC assessment fees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;51,606&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;45,766&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;20,939&#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&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;Other operating expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;48,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;46,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;47,382&#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;/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;Total operating expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;636,570&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;619,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;551,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Acquired intangible assets impairment and amortization expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5,329&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;66,364&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;7,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 non-interest expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;641,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;685,570&#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&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&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;559,241&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:SegmentReportingDisclosureTextBlock>
    <us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock contextRef="c-1" id="f-3256">&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 illustrates the significant expense categories and amounts regularly provided to the CEO.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.166%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.974%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.890%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.451%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.890%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.451%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.890%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.454%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&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: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&gt;&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;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&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;2022&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;Non-interest expenses:&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&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&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;Compensation and benefits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;349,387&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;326,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;270,354&#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&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;Professional fees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;129,472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;145,062&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;164,226&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;Technology expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;57,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;54,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;48,561&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&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;FDIC assessment fees&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;51,606&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;45,766&#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&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;20,939&#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&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;Other operating expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;48,674&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;46,882&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;47,382&#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;/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;Total operating expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;636,570&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;619,206&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-top:1pt solid #000;padding:0 1pt"&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;551,462&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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;Acquired intangible assets impairment and amortization expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;5,329&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;66,364&#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&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&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;7,779&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&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 non-interest expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;padding:0 1pt"&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;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;641,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ededee;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&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;685,570&#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&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&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;559,241&#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&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock>
    <us-gaap:LaborAndRelatedExpense contextRef="c-498" decimals="-3" id="f-3257" unitRef="usd">349387000</us-gaap:LaborAndRelatedExpense>
    <us-gaap:LaborAndRelatedExpense contextRef="c-499" decimals="-3" id="f-3258" unitRef="usd">326554000</us-gaap:LaborAndRelatedExpense>
    <us-gaap:LaborAndRelatedExpense contextRef="c-500" decimals="-3" id="f-3259" unitRef="usd">270354000</us-gaap:LaborAndRelatedExpense>
    <us-gaap:ProfessionalFees contextRef="c-498" decimals="-3" id="f-3260" unitRef="usd">129472000</us-gaap:ProfessionalFees>
    <us-gaap:ProfessionalFees contextRef="c-499" decimals="-3" id="f-3261" unitRef="usd">145062000</us-gaap:ProfessionalFees>
    <us-gaap:ProfessionalFees contextRef="c-500" decimals="-3" id="f-3262" unitRef="usd">164226000</us-gaap:ProfessionalFees>
    <us-gaap:InformationTechnologyAndDataProcessing contextRef="c-498" decimals="-3" id="f-3263" unitRef="usd">57431000</us-gaap:InformationTechnologyAndDataProcessing>
    <us-gaap:InformationTechnologyAndDataProcessing contextRef="c-499" decimals="-3" id="f-3264" unitRef="usd">54942000</us-gaap:InformationTechnologyAndDataProcessing>
    <us-gaap:InformationTechnologyAndDataProcessing contextRef="c-500" decimals="-3" id="f-3265" unitRef="usd">48561000</us-gaap:InformationTechnologyAndDataProcessing>
    <us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="c-498" decimals="-3" id="f-3266" unitRef="usd">51606000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
    <us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="c-499" decimals="-3" id="f-3267" unitRef="usd">45766000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
    <us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="c-500" decimals="-3" id="f-3268" unitRef="usd">20939000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
    <us-gaap:OtherExpenses contextRef="c-498" decimals="-3" id="f-3269" unitRef="usd">48674000</us-gaap:OtherExpenses>
    <us-gaap:OtherExpenses contextRef="c-499" decimals="-3" id="f-3270" unitRef="usd">46882000</us-gaap:OtherExpenses>
    <us-gaap:OtherExpenses contextRef="c-500" decimals="-3" id="f-3271" unitRef="usd">47382000</us-gaap:OtherExpenses>
    <us-gaap:OperatingExpenses contextRef="c-498" decimals="-3" id="f-3272" unitRef="usd">636570000</us-gaap:OperatingExpenses>
    <us-gaap:OperatingExpenses contextRef="c-499" decimals="-3" id="f-3273" unitRef="usd">619206000</us-gaap:OperatingExpenses>
    <us-gaap:OperatingExpenses contextRef="c-500" decimals="-3" id="f-3274" unitRef="usd">551462000</us-gaap:OperatingExpenses>
    <slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets contextRef="c-498" decimals="-3" id="f-3275" unitRef="usd">5329000</slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets>
    <slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets contextRef="c-499" decimals="-3" id="f-3276" unitRef="usd">66364000</slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets>
    <slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets contextRef="c-500" decimals="-3" id="f-3277" unitRef="usd">7779000</slm:AmortizationOfAcquiredIntangibleAssetsIncludingImpairmentOfIntangibleAssets>
    <us-gaap:NoninterestExpense contextRef="c-498" decimals="-3" id="f-3278" unitRef="usd">641899000</us-gaap:NoninterestExpense>
    <us-gaap:NoninterestExpense contextRef="c-499" decimals="-3" id="f-3279" unitRef="usd">685570000</us-gaap:NoninterestExpense>
    <us-gaap:NoninterestExpense contextRef="c-500" decimals="-3" id="f-3280" unitRef="usd">559241000</us-gaap:NoninterestExpense>
    <us-gaap:SubsequentEventsTextBlock contextRef="c-1" id="f-3281">Subsequent Events&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:400;line-height:120%"&gt;Unsecured Debt&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;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;On January 31, 2025, we issued $500 million of 6.50 percent unsecured Senior Notes due January 31, 2030.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;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;On February 18, 2025, we redeemed $500 million of the 4.20 percent unsecured Senior Notes due October 29, 2025. The Senior Notes were redeemed at 100 percent of their principal amount, plus the accrued and unpaid interest thereon through the redemption date. As a result of the redemption, we will recognize a loss of approximately $1 million on the transaction in the first-quarter 2025 consolidated statements of income. &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;2025 Loan Sales&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:5pt;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;On February 6, 2025, we sold approximately $2.0&#160;billion of our Private Education Loans, including $1.8&#160;billion in principal, $163&#160;million in capitalized interest and $10&#160;million in accrued interest, to an unaffiliated third party. The gain on sale of loans sold expressed as a percentage was in the high single-digits and will be recognized in the first-quarter 2025 consolidated statements of income. The transaction qualified for sale treatment and removed the balance of the loans from our balance sheet on the settlement date. We will continue to service these loans pursuant to the terms of the applicable transaction documents.&lt;/span&gt;&lt;/div&gt;</us-gaap:SubsequentEventsTextBlock>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-325" decimals="-6" id="f-3282" unitRef="usd">500000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-325"
      decimals="5"
      id="f-3283"
      unitRef="number">0.065</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:RepaymentsOfLongTermDebt contextRef="c-501" decimals="-6" id="f-3284" unitRef="usd">500000000</us-gaap:RepaymentsOfLongTermDebt>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-502"
      decimals="5"
      id="f-3285"
      unitRef="number">0.042</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:DebtInstrumentRedemptionPricePercentage
      contextRef="c-501"
      decimals="5"
      id="f-3286"
      unitRef="number">1</us-gaap:DebtInstrumentRedemptionPricePercentage>
    <us-gaap:GainsLossesOnExtinguishmentOfDebt contextRef="c-501" decimals="-6" id="f-3287" unitRef="usd">-1000000</us-gaap:GainsLossesOnExtinguishmentOfDebt>
    <us-gaap:FinancingReceivableSale contextRef="c-503" decimals="-8" id="f-3288" unitRef="usd">2000000000</us-gaap:FinancingReceivableSale>
    <slm:FinancingReceivableSalePrincipal contextRef="c-503" decimals="-8" id="f-3289" unitRef="usd">1800000000</slm:FinancingReceivableSalePrincipal>
    <slm:FinancingReceivableSaleCapitalizedInterest contextRef="c-503" decimals="-6" id="f-3290" unitRef="usd">163000000</slm:FinancingReceivableSaleCapitalizedInterest>
    <slm:FinancingReceivableSaleAccruedInterest contextRef="c-503" decimals="-6" id="f-3291" unitRef="usd">10000000</slm:FinancingReceivableSaleAccruedInterest>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
